Since we began masking the world of factors and miles right here at TPG, there’s been a development: Airways and resorts have persistently devalued their packages and elevated the variety of factors and miles wanted for flights and award stays.
Nonetheless, one product household that bank card consultants stay loyal to 12 months after 12 months is Chase. There are two predominant explanation why: Chase Final Rewards factors are extremely versatile and useful, and Chase affords a really pairable lineup that means that you can maximize each your incomes and redemption methods.
Whereas all Chase playing cards have stand-alone worth, combining three complementary ones can unlock a ton of worth throughout spending classes. There are greater than three playing cards you possibly can create the trifecta from, however the typical setup that maximizes rewards contains the Chase Sapphire Reserve® (see charges and costs), the Chase Freedom Limitless® (see charges and costs) and the Ink Enterprise Most well-liked® Credit score Card (see charges and costs).
Let’s stroll by these playing cards and the way they work collectively to create an important bank card technique.
What’s the Chase Trifecta?
The Chase Trifecta is a pairing of three of Chase’s rewards-earning bank cards. By combining these playing cards, you possibly can maximize your earnings by spending. These playing cards all complement one another and make sure you earn not less than 1.5 factors on each buy.
Regardless of a few of these playing cards incomes money again, you possibly can convert money again to factors since your trifecta choices at all times embody an Final Rewards-earning card. To maximise the worth of your rewards, it would be best to convert all of your rewards to Final Rewards factors, as TPG’s Could 2025 valuations peg the worth of these factors at 2.05 cents apiece.
What playing cards are within the Chase Trifecta?
The Chase Trifecta consists of three playing cards. Your choices embody:
It is essential to notice that you could additionally pair a Sapphire card with two Freedom playing cards in case you do not qualify for or need an Ink enterprise card.
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Let’s dive into the main points of the preferred choices to your Chase Trifecta.
Chase Sapphire Reserve
Annual price: $550.
Welcome supply: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. This welcome supply is value $1,230 primarily based on TPG’s Could 2025 valuations.
Incomes charges:
- 10 factors per greenback spent on resorts and automotive leases booked by Chase Journey℠*
- 10 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors
- 5 factors per greenback spent on flights booked by Chase Journey*
- 5 factors per greenback spent on Lyft purchases (by Sept. 30, 2027)
- 3 factors per greenback spent on all different journey*
- 3 factors per greenback spent on eating (together with takeout and supply)
- 1 level per greenback spent on all different purchases
*Bonus factors on journey are earned after the primary $300 is spent on journey yearly.
This card’s hefty $550 annual price is offset by its $300 annual journey credit score, successfully making the annual price $250 per 12 months. A number of TPG staffers love this credit score. You may additionally get a Precedence Move Choose membership and entry to Chase’s rising community of Sapphire lounges, plus as much as $120 in assertion credit to your software price to World Entry, TSA PreCheck or Nexus and different perks resembling complete journey protections and concierge service.
With the Chase Sapphire Reserve, you possibly can redeem your factors for 50% extra worth by Chase Journey (redeem at 1.5 cents per level somewhat than the usual 1 cent per level). For max worth, you possibly can switch your factors to one among 11 airline and three resort companions. With its flexibility and incomes energy, the Sapphire Reserve headlines Chase’s robust choice of playing cards and is a superb addition to any points-chaser’s pockets.
To study extra, take a look at our full evaluation of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked
Annual price: $95.
Welcome supply: Earn 100,000 factors after spending $5,000 on purchases within the first three months from account opening. This supply ends Could 15 at 9 a.m. EDT and is value $2,050 primarily based on TPG’s Could 2025 valuations.
Incomes charges:
- 5 factors per greenback spent on all journey bought by Chase Journey
- 5 factors per greenback spent on Lyft purchases (by Sept. 30, 2027)
- 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of 25,000 factors
- 3 factors per greenback spent on eating (together with takeout and supply)
- 3 factors per greenback spent on choose streaming providers
- 3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback spent on all different journey
- 1 level per greenback spent on all different purchases
If you need a decrease annual price, you can go for the Sapphire Most well-liked, because it’s one of many finest starter journey rewards playing cards. The Sapphire Most well-liked even has extra bonus-earning classes than the Sapphire Reserve.
You may obtain a lot of the journey protections and insurances which might be on the Sapphire Reserve, like major rental automotive insurance coverage and journey cancellation insurance coverage (an usually underrated however helpful profit), however at decrease ranges of protection.
To study extra, take a look at our full evaluation of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked Card
Chase Freedom Limitless
Annual price: $0.
Welcome supply: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Incomes charges:
- 5% again on journey booked by Chase Journey
- 3% again on eating (together with takeout and supply) and drugstores
- 2% again on Lyft purchases (by Sept. 30, 2027)
- 1.5% again on all different purchases
To spherical out your trifecta, you can choose the Freedom Limitless. This card is a wonderful selection for anybody who needs a catchall card for purchases that do not fall into bonus-earning classes with different playing cards.
As a result of you possibly can switch your rewards into an Final Rewards account, the rewards earned with the Chase Freedom Limitless are value 2.05 cents every (in accordance with TPG’s Could 2025 valuations) in case you hyperlink the cardboard to an Final Rewards-earning card.
To study extra, take a look at our full evaluation of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual price: $0.
Welcome supply: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Incomes charges:
- 5% again on journey booked by Chase Journey
- 5% again on rotating quarterly classes (on as much as $1,500 of mixed spending per quarter, then 1% thereafter; activation required)
- 3% again on eating (together with takeout and supply) and drugstores
- 2% on Lyft (by Sept. 30, 2027)
- 1% on all different purchases
As an alternative of the Freedom Limitless, you can go for the Freedom Flex, which earns 5% money again on rotating quarterly classes (on as much as $1,500 of mixed spending every quarter) and 1% money again on all different purchases. The quarterly classes are usually very simple to make use of; the present ones are Amazon and choose streaming providers.
To study extra, take a look at our full evaluation of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Ink Enterprise Most well-liked Credit score Card
Annual price: $95.
Welcome supply: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. This supply is value $1,845 primarily based on TPG’s Could 2025 valuations.
Incomes charge:
- 3 factors per greenback spent on journey, delivery, web, cable, telephone providers and promoting purchases made with social media websites and serps (on as much as $150,000 in mixed spending every account anniversary 12 months, then 1 level per greenback)
- 1 level per greenback spent on all different purchases
Together with major rental automotive insurance coverage on automobiles rented for enterprise functions, the Ink Most well-liked additionally affords cellphone safety. With this safety, your card will substitute your cellphone if it is stolen or broken (as much as 3 times per 12 months) with only a $100 deductible, so long as you pay your month-to-month cellphone invoice along with your card.
You possibly can even shield your workers’ cellphones if their service traces are included on the identical invoice. Simply observe that the restrict is $1,000 per declare and $3,000 or three claims per 12-month interval.
To study extra, take a look at our full evaluation of the Ink Enterprise Most well-liked.
Apply right here: Ink Enterprise Most well-liked Credit score Card
How does a Chase Trifecta work?
Chase has a versatile bank card lineup, and primarily based in your spending habits, it would make sense to exchange one of many playing cards listed above with one other Chase card. Every of those playing cards covers a definite spending space and affords distinctive perks as a part of a well-rounded bank card technique.
Use your Sapphire Reserve or Sapphire Most well-liked for journey and eating purchases, the Ink Enterprise Most well-liked for any enterprise bills and the Freedom Limitless or Freedom Flex for purchases that will not earn bonus rewards along with your different playing cards. This is only one iteration of the Chase Trifecta that you could go together with.
If one of many playing cards does not fit your way of life, you possibly can swap it out for one which does.
All the rewards you earn with the trifecta might be pooled, permitting you to switch them to one among Chase’s journey companions or redeem them for 1.5 or 1.25 cents every by Chase Journey.
When reserving economy-class award flights with airways or award stays with resorts that are not Chase switch companions, you will doubtless get essentially the most worth by making the most of the redemption bonus in Chase Journey.
Nonetheless, in case you’re reserving a premium-cabin award flight or redeeming nights at one among Chase’s resort companions, you may wish to switch your factors. Simply ensure you’re evaluating each choices so that you simply’re getting the most effective worth out of your Final Rewards factors and never lacking out on any unique switch bonuses.
Which Chase Trifecta ought to I choose?
When selecting a Chase Trifecta, there are lots of concerns it’s important to consider, together with how a lot you wish to spend on annual charges, your journey habits, your spending habits and whether or not you might be eligible for a enterprise card.
Chase Sapphire Most well-liked vs. Chase Sapphire Reserve
Rookies who’re cautious of the $550 annual price on the Sapphire Reserve can substitute it with the Chase Sapphire Most well-liked. Together with a decrease annual price of simply $95, the Sapphire Most well-liked comes with the same incomes construction to the Sapphire Reserve.
The Sapphire Most well-liked solely comes with a 25% redemption bonus and does not have lounge entry. Nonetheless, you will additionally take pleasure in a $50 annual assertion credit score for resorts booked by Chase Journey, plus a 10% factors bonus in your anniversary primarily based in your earlier 12 months’s spending.
When you do not journey sufficient to totally benefit from the Chase Sapphire Reserve, the Sapphire Most well-liked is a stable alternative possibility.
Associated: Chase Sapphire Most well-liked vs. Sapphire Reserve: Must you go mid-tier or premium?
Chase Freedom Flex vs. Chase Freedom Limitless
If you have already got the Capital One Enterprise Rewards Credit score Card or the Citi Double Money® Card (see charges and costs) — each of which earn at a better charge on nonbonus spending — it would make extra sense so that you can have the Chase Freedom Flex as a substitute of the Chase Freedom Limitless.
However, if you do not have a card that earns greater than 1 level per greenback spent or 1% again in your nonbonus spending, the Freedom Limitless could also be a better option than the Freedom Flex.
Associated: Chase Freedom Flex vs. Chase Freedom Limitless comparability: Rotating classes or flat money again?
Not eligible for an Ink card? No drawback
It’s also possible to create a Chase Trifecta with out an Ink Enterprise card. Since Chase does not prohibit you to solely having one Freedom card, you possibly can carry the Freedom Flex and the Freedom Limitless.
With this setup, you’d use your Sapphire card to your Lyft (by Sept. 30, 2027), journey and eating purchases, the Freedom Flex for five% money again on rotating quarterly classes and the Freedom Limitless for the rest that does not fall into these bonus classes.
That is additionally some of the cost-effective trifectas in case you go for the Sapphire Most well-liked as a substitute of the Sapphire Reserve, because the mixed annual charges can be simply $95.
Different Ink Enterprise choices
The Ink Enterprise Most well-liked is the commonest choose for the Chase Trifecta, but it surely is not the one possibility you might have.
You might additionally go for one other Ink Enterprise card with no annual price, just like the Ink Enterprise Money® Credit score Card (see charges and costs) or the Ink Enterprise Limitless® Credit score Card (see charges and costs). These playing cards earn money again, however the money again might be transformed into Final Rewards factors when you have an Final Rewards-earning card.
The Ink Enterprise Money earns 5% money again on the primary $25,000 you make in mixed purchases every account anniversary 12 months at workplace provide shops and on web, cable and telephone providers.
You may additionally earn 2% money again on the primary $25,000 you make in mixed purchases at gasoline stations and eating places every account anniversary 12 months and 1% money again on all different purchases. The Ink Enterprise Money is an effective possibility for these with excessive spending in business-related bonus classes.
The Ink Enterprise Limitless earns 5% whole money again on Lyft purchases (by Sept. 30, 2027) and 1.5% limitless money again on all different purchases.
When you do not spend a lot within the bonus classes on the Ink Enterprise Most well-liked or Ink Enterprise Money, you can go for the Ink Enterprise Limitless for a catchall enterprise card to finish your trifecta.
Each playing cards have comparable journey protections to these supplied by the Ink Enterprise Most well-liked. Nonetheless, the Ink Enterprise Most well-liked is the one card that gives cellphone safety, so in case your telephone tends to slide out of your hand usually, this can be one thing to contemplate.
Associated: Chase Ink Enterprise Limitless vs. Ink Enterprise Money: Battle of the cash-back enterprise playing cards
Different trifecta card choices
You possibly can create different card trifectas with different card issuers like American Categorical, Citi and Wells Fargo.
American Categorical
When you favor American Categorical and the flexibility to earn Membership Rewards factors, you can construct the Amex Trifecta with The Platinum Card® from American Categorical ($695 annual price; see charges and costs), the American Categorical® Gold Card ($325 annual price; see charges and costs) and The Blue Enterprise® Plus Credit score Card from American Categorical (no annual price; see charges and costs).
With this trifecta, you’d earn not less than 2 factors per greenback spent on all purchases you make. That is essentially the most profitable incomes trifecta, as you possibly can earn:
- 5 factors per greenback spent on airfare when booked immediately with airways or American Categorical Journey with the Amex Platinum (on as much as $500,000 of spending every calendar 12 months, then 1 level per greenback)
- 4 factors per greenback spent on eating at eating places worldwide (on as much as $50,000 per calendar 12 months, then 1 level per greenback) and at U.S. supermarkets (on as much as $25,000 per calendar 12 months, then 1 level per greenback) with the Amex Gold
- 2 factors per greenback spent on all purchases (on as much as $50,000 per calendar 12 months, then 1 level per greenback) with The Blue Enterprise Plus
This setup is the most costly, with mixed annual charges of over $1,000, however the playing cards present quite a few assertion credit that may absolutely offset the annual charges if absolutely utilized. Enrollment is required for choose advantages, and phrases apply. Amex factors are value 2 cents apiece primarily based on TPG’s Could 2025 valuations.
Associated: The ability of the Amex Trifecta: Platinum, Gold and Blue Enterprise Plus
Citi
When you favor Citi, you possibly can construct a formidable trifecta. The Citi Strata Premier℠ Card ($95 annual price; see charges and costs), the Citi Double Money (no annual price) and the Citi Customized Money® Card (no annual price) make up the Citi Trifecta.
The data for the Citi Customized Money has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
With this trifecta, you possibly can earn:
- 10 factors per greenback spent on resorts, automotive leases and points of interest booked by cititravel.com with the Strata Premier
- 5% money again on the primary $500 of purchases in your high spending class with the Customized Money
- 3 factors per greenback spent on air journey, resort (when not booked by cititravel.com), gasoline station, electrical car charging station, grocery store and restaurant (together with takeout) purchases, with no caps or annual limits, with the Strata Premier
- 2% money again (1% once you purchase and 1% once you pay) with the Double Money
Any money again you earn might be transformed into Citi ThankYou Rewards factors that you could switch to one among Citi’s 21 switch companions. Citi factors are value 1.8 cents apiece primarily based on TPG’s Could 2025 valuations. This setup additionally prices simply $95 in mixed annual charges.
Wells Fargo
Lastly, you can go for the Wells Fargo trifecta. It contains the Wells Fargo Autograph Journey℠ Card ($95 annual price; see charges and costs), the Wells Fargo Lively Money® Card (no annual price; see charges and costs) and the Wells Fargo Attune℠ Card (no annual price).
The data for the Wells Fargo Attune has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
You may earn:
- 5 factors per greenback spent on resorts with the Autograph Journey
- 4 factors per greenback spent on airways with the Autograph Journey
- 4% money rewards on self-care, choose sports activities, recreation and leisure purchases, plus impactful purchases like EV charging, public transit and choose thrift shops with the Attune
- 3 factors per greenback spent on eating places and different eligible journey with the Autograph Journey
- 2% money rewards on purchases with the Lively Money
Money again might be transformed into factors that may be transferred to companions. The one draw back with Wells Fargo is that it has the fewest variety of switch companions, with simply eight companions. Its factors are additionally well worth the least (1.6 cents apiece) out of the issuers we have coated primarily based on TPG’s Could 2025 valuations. This setup will value you simply $95 in mixed annual charges.
Backside line
The final word objective is to maximise each greenback you spend by placing your purchases on the correct bank cards. Getting worth out of factors and miles is not unique to frequent flyers; you simply must be good about the way you spend your cash.
Do not forget that all the above playing cards are topic to Chase’s 5/24 rule. When you do not at present have these playing cards in your pockets, you will wish to be strategic about once you apply for them versus different playing cards to ensure you will not be denied as a consequence of too many account openings throughout the previous two years.
For extra particulars on how one can enhance your approval odds, take a look at our information to bank card software guidelines and restrictions.
Associated: Higher collectively: The final word information to the most effective bank card mixtures
For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Gold, click on right here.
For charges and costs of the Blue Enterprise Plus, click on right here.
