Many of the other websites and blogs include a popular Chase business card in the Chase Trifecta, however an effective Chase Trifecta can be created without it.
In our Beginner’s Guide, we said the most important part of earning points and miles for the everyday person is through your credit cards.
If you own a business, by all means, take advantage of the many business cards out there. They come with great bonuses and unique spending categories. However, for most people, especially if you’re just getting into this, business cards aren’t yet in the mix.
The Chase Trifecta is said to include the Chase Sapphire, Freedom Unlimited and Business Ink Preferred. With the absence of the Business Ink Preferred, a very practical and obtainable Chase Trifecta could include a Chase Sapphire, Freedom Unlimited and Freedom card. All of these cards are on our list of best credit cards for each bonus category.
While the Chase Freedom and Freedom Unlimited are typically cash-back cards, when paired with a Sapphire Preferred or Sapphire Reserve, the cash-back can be converted into Chase Ultimate Rewards.
The non-business card Chase Trifecta
The goal of the Chase Trifecta is to use a set of credit cards to earn the same time of transferable point.
For the sake of this article, let’s use the Sapphire Reserve, Freedom and Freedom Unlimited.
The spending will breakdown the following ways:
The Chase Sapphire Reserve rewards 3x on all restaurant and travel purchases along with many other perks.
The Chase Freedom will be 5x on different categories – this past year, that included:
Q1: Gas Stations, Internet/Phone/Cable, Chase/Google/Apple/Samsung Pay
Q2: Grocery Stores, PayPal, Chase Pay
Q3: Gas Stations, Lyft, Walgreens
Q4: Department Stores, Chase Pay, Wholesale Clubs
And for every other purchase, the Chase Sapphire Unlimited will yield 1.5x.
When using the Chase Trifecta, you won’t get anything less than 1.5 points per purchase.
Current Sign-up Bonuses
The other great thing about this Chase Trifecta is that only one card carries an annual fee. The Chase Sapphire Reserve ($450) or the Chase Sapphire Preferred ($95), but both the Freedom and Freedom Unlimited have no annual fee.
Currently, the Sapphire Preferred and Sapphire Reserve have a sign-up bonus of 50,000 points after spending $4,000 in three months. The Chase Freedom card is running a $150 promotion (equivalent of 15,000 points) after spending only $500 in three months. And the Freedom Unlimited currently has a $200 bonus after also spending $500 in three months.
You do need to be aware of the Chase 5/24 rule because these cards are affected. If you’ve gotten five new credit cards in the previous 24 months, you will not be approved for any of these cards.
Because Chase Ultimate Rewards are some of the most valuable points out there, you’re getting great value.
Remember, you can transfer to one of 13 transfer partners that Chase has or redeem on the Chase Travel Portal for 1.5 cents per dollar (or 1.25 if you have the Chase Sapphire Preferred).