If you’re looking to supercharge your credit card rewards game, the Chase Trifecta is the most powerful combination of cards you can choose. This strategy involves stacking three credit cards from the Chase Ultimate Rewards program to earn maximum points across various categories like travel, dining, and everyday spending. Whether you’re a seasoned rewards traveller or someone who simply wants to maximize your cashback potential, the Chase Trifecta can offer you the best value. Let’s dive into why this is one of the most effective and popular strategies among savvy credit card enthusiasts.
What is the Chase Trifecta?
The Chase Trifecta refers to using three specific Chase credit cards to combine and maximize rewards points. These cards are:
- Chase Sapphire Preferred® Card (or Chase Sapphire Reserve® for higher rewards)
- Chase Freedom Unlimited®
- Chase Freedom Flex®
Together, these three cards allow you to earn points in a variety of categories, and you can combine them in the Chase Ultimate Rewards® Program for incredible flexibility when redeeming points for travel, cashback, or gift cards.
Why Choose the Chase Trifecta?
Maximized Point Earnings
The Chase Trifecta allows you to earn the most points possible from different spending categories. Here’s why:
- Chase Sapphire Preferred® or Reserve® earns 2x points on travel and dining.
- Chase Freedom Flex® earns 5x points on rotating quarterly categories like groceries, gas, and select restaurants.
- Chase Freedom Unlimited® earns 1.5x points on every purchase, making it perfect for all non-bonus category purchases.
When used strategically, these cards can accumulate a significant number of points across various categories, allowing you to earn up to 5x points on everyday purchases.
How Does the Chase Trifecta Work?
Here’s how you can make the most of this powerful trio:
1. Use Chase Sapphire Preferred® (or Reserve) for Travel and Dining
The Chase Sapphire Preferred® Card is your go-to card for dining out, travelling, and booking things like flights and hotels. You get 2x points on dining and travel-related purchases. If you’re willing to invest a little more, you can opt for the Chase Sapphire Reserve® for 3x points on travel and dining.
2. Use Chase Freedom Flex® for Rotating Categories
The Chase Freedom Flex® is a card that rewards you with 5x points on rotating categories every quarter, like grocery stores, gas stations, and streaming services. Make sure you’re aware of which categories are available each quarter to maximize rewards.
3. Use Chase Freedom Unlimited® for Everything Else
For all other purchases that don’t fall into the bonus categories, the Chase Freedom Unlimited® is perfect. It gives you a consistent 1.5x points on every purchase.
When you combine the rewards from these three cards, you can maximize your earnings and keep accumulating points effortlessly. Plus, all your points are funnelled into the Chase Ultimate Rewards® portal, where you can redeem them for travel, cash back, or even transfer them to airline or hotel partners for even more value.
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Benefits of the Chase Trifecta
1. High Earning Potential
By combining the Sapphire Preferred, Freedom Flex, and Freedom Unlimited, you’ll be able to rack up points much faster than using a single card alone. You earn 5x points on categories like rotating 5% cashback categories, 2x points on travel and dining, and 1.5x points on everything else.
2. Ultimate Rewards Flexibility
Points earned through these cards are stored in the Chase Ultimate Rewards account, giving you tons of ways to redeem them. You can transfer points to over 13 airline and hotel partners at a 1:1 rate, allowing you to book flights or hotel stays at a fraction of the cost.
3. Access to Travel Perks
The Chase Sapphire Preferred® and Chase Sapphire Reserve® offer top-notch travel benefits like access to airport lounges, primary rental car insurance, and trip protection. These cards can save you money and enhance your travel experience.
4. No Annual Fee for the Freedom Cards
While the Chase Sapphire Preferred® does have an annual fee ($95), both the Chase Freedom Flex® and Chase Freedom Unlimited® have no annual fees, making it an affordable option for most users.
How to Apply for the Chase Trifecta
To get started with the Chase Trifecta, you’ll need to apply for all three cards. You can apply for these cards separately or in tandem, but be aware that Chase has a 5/24 rule: If you’ve opened five or more credit cards in the last 24 months across all banks, you may not be approved for these cards. So, make sure to check your credit card history before applying.
Is the Chase Trifecta Worth It?
The Chase Trifecta is an outstanding strategy if you’re looking to earn valuable rewards and are willing to manage multiple cards. It offers high earning potential in key categories, flexibility in redemption, and great travel benefits. Plus, with no annual fee on two of the three cards, it’s easy to see why this strategy is so popular.
However, the Chase Trifecta requires commitment and organization to maximize its potential. You’ll need to track your quarterly bonus categories, stay on top of spending limits, and understand how to redeem your points best.
Key Takeaways
- The Chase Trifecta involves using three Chase cards: Chase Sapphire Preferred, Chase Freedom Flex, and Chase Freedom Unlimited to maximize rewards.
- You can earn up to 5x points in rotating categories and 2x points on travel and dining.
- The points you accumulate are managed through Chase Ultimate Rewards, which offers flexible redemptions.
- Using all three cards strategically can significantly enhance your rewards earning potential, especially for travel and dining.
By leveraging the Chase Trifecta, you’re set to optimize your spending, earn valuable rewards, and enjoy incredible flexibility when redeeming your points. It’s a strategy that can benefit anyone ready to take their rewards game to the next level.
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FAQ
Q: How many points do I earn with the Chase Trifecta?
You can earn up to 5x points on rotating categories, 2x points on travel and dining with the Sapphire Preferred, and 1.5x points on everything else with the Freedom Unlimited.
Q: Do I need all three cards to use the Chase Trifecta?
Yes, to fully maximize rewards across various categories, you need all three cards: Sapphire Preferred/Reserve, Freedom Flex, and Freedom Unlimited.
Q: What are the fees for the Chase Trifecta cards?
- Sapphire Preferred: $95 annual fee
- Freedom Flex and Freedom Unlimited: No annual fees
