Airways and accommodations regularly devalue their applications and improve the variety of factors and miles wanted for flights and award stays — that is nothing new.
Nonetheless, bank card specialists regularly stay loyal to Chase for 2 foremost causes: Excessive-value Chase Ultimate Rewards factors are versatile, and Chase provides a pairable card lineup that permits you to maximize each your incomes and redemption methods.
Whereas all Chase 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 a trifecta from, however the typical setup that maximizes rewards contains the Chase Sapphire Reserve® (see rates and fees), the Chase Freedom Unlimited® (see rates and fees) and the Ink Business Preferred® Credit Card (see rates and fees).
Here is how these playing cards work collectively to create an incredible bank card technique.
What’s the Chase Trifecta?
The Chase Trifecta is a pairing of three of Chase’s rewards-earning bank cards that allow you to maximize your earnings by way of spending.
Regardless of a few of these playing cards incomes money again, you possibly can convert cash back to points since your trifecta choices all the time embrace an Final Rewards-earning card.
To maximise the worth of your rewards, we advocate converting all your rewards to Final Rewards factors, as TPG’s August 2025 valuations peg them at 2.05 cents apiece.
What playing cards are within the Chase Trifecta?
The Chase Trifecta usually consists of three playing cards:
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Notice that you may additionally pair a Sapphire card with two Freedom playing cards in the event you do not qualify for or desire a enterprise card.
Chase Sapphire Reserve
Annual charge: $795.
Welcome provide: Earn 100,000 bonus factors and a $500 Chase Travel℠ promo credit score after spending $5,000 on purchases within the first three months from account opening. This welcome provide is value as much as $2,550 (together with the assertion credit score) primarily based on TPG’s August 2025 valuations.
Notice that the promotional credit score is legitimate for one-time use solely. In the event you apply it to a transaction lower than $500, you’ll forfeit the remaining steadiness.
This card earns 4 factors per greenback spent on flights and accommodations booked straight, plus 3 factors per greenback spent on eating (together with takeout and supply).
Its hefty $795 annual charge is offset by its $300 annual travel credit and as much as $500 annual The Edit credit score ($250 biannually) when reserving a two-night minimal keep. Different credit and perks, like a Priority Pass Select membership and entry to Chase’s rising community of Sapphire lounges, greater than make up for the steep annual charge.
You’ll be able to switch your factors to considered one of Chase’s 14 partners for maximum value. The Sapphire Reserve’s flexibility and incomes energy make it a superb journey companion and on a regular basis earner.
To study extra, try our full review of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Annual charge: $95.
Welcome provide: Earn 75,000 factors after spending $5,000 on purchases within the first three months from account opening. This provide is value $1,538 primarily based on TPG’s August 2025 valuations.
If you’d like a Chase product with a considerably decrease annual charge, go for the Sapphire Most well-liked. It is one of many best starter travel rewards cards and has a number of bonus-earning classes.
You will obtain many of the journey protections and insurances which can be on the Sapphire Reserve, like main rental automotive insurance coverage and journey cancellation insurance coverage (an usually underrated however useful benefit), however at decrease ranges of protection.
To study extra, try our full review of the Chase Sapphire Preferred.
Apply right here: Chase Sapphire Preferred Card
Chase Sapphire Reserve for Enterprise
Annual charge: $795.
Welcome provide: Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. This provide is value $4,100 primarily based on TPG’s August valuations.
The Chase Sapphire Reserve for Enterprise is the issuer’s first premium business card. Like its private counterpart, the Sapphire Reserve, it carries a $795 annual charge. Nonetheless, that charge might be offset by the laundry checklist of perks and over $2,000 yearly in assertion credit.
You will additionally obtain lounge entry by way of Sapphire and Precedence Cross lounges and a collection of buy and journey protections.
To study extra, try our full review of the Chase Sapphire Reserve for Business.
Apply right here: Chase Sapphire Reserve for Business
Chase Freedom Limitless
Annual charge: $0.
Welcome provide: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
For the second a part of the trifecta, you may select 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, because it earns no less than 1.5% again on all purchases.
To study extra, try our full review of the Chase Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Chase Freedom Flex
Annual charge: $0.
Welcome provide: Earn $200 after spending $500 on eligible purchases inside the first three months of account opening.
With the Freedom Flex, you may earn 5% again on rotating quarterly categories (on as much as $1,500 of mixed spending per quarter, then 1% thereafter; activation required).
These quarterly classes are sometimes very straightforward to make use of and have beforehand included electrical automobile charging stations, Instacart and dwell leisure.
To study extra, try our full review of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Ink Enterprise Most well-liked Credit score Card
Annual charge: $95.
Welcome provide: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. This provide is value $1,845 primarily based on TPG’s August 2025 valuations.
To spherical out the trifecta, you may want an Ink Business card.
With the Ink Enterprise Most well-liked, you may earn 3 factors per greenback spent on journey, transport, 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 yr, then 1 level per greenback).
Together with main rental automotive insurance coverage on automobiles rented for enterprise functions, the Ink Enterprise Most well-liked additionally provides cellphone protection. It will change your cellphone if it is stolen or broken (as much as 3 times per yr) with only a $100 deductible, so long as you pay your month-to-month cellphone invoice along with your card.
You’ll be able to even defend your workers’ cellphones if their service traces are included on the identical invoice. Simply word that the restrict is $1,000 per declare and a complete of $3,000 (or three claims) per 12-month interval.
To study extra, try our full review of the Ink Business Preferred.
Apply right here: Ink Business Preferred Credit Card
How does a Chase Trifecta work?
When selecting a Chase Trifecta, think about what you are prepared to pay in annual charges, your common journey and spending habits and whether or not you’re eligible for a business card.
Based mostly on these components, it would make sense to interchange one of many enterprise playing cards listed above with one other Chase product. Every of those playing cards covers a definite spending space and provides distinctive perks as a part of a well-rounded credit card strategy.
Chase Sapphire Most well-liked vs. Chase Sapphire Reserve vs. Chase Sapphire Reserve for Enterprise
Newcomers who’re cautious of the $795 annual charge on the Sapphire Reserve can change it with the Chase Sapphire Preferred.
The Sapphire Most well-liked encompasses a decrease redemption bonus with Points Boost and does not provide lounge access. Nonetheless, you may get pleasure from a $50 annual statement credit for accommodations booked by way of Chase Journey, plus a 10% points bonus in your anniversary primarily based in your earlier yr’s spending.
Lastly, you may skip the non-public Sapphire playing cards and go together with the Chase Sapphire Reserve for Business.
No matter which Sapphire card you choose, you may have entry to Chase’s switch companions.
Associated: Chase Sapphire Preferred vs. Sapphire Reserve: Should you go mid-tier or premium?
Chase Freedom Flex vs. Chase Freedom Limitless
If you have already got the Capital One Venture Rewards Credit Card or the Citi Double Cash® Card (see rates and fees) — 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 Unlimited for the rotating quarterly classes.
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 more sensible choice than the Freedom Flex.
Associated: Chase Freedom Flex vs. Chase Freedom Unlimited comparison: Rotating categories or flat cash back?
Ink Enterprise card or Sapphire Reserve for Enterprise?
In the event you go for the Chase Sapphire Preferred as your foremost Sapphire card, you should still desire a premium journey card with advantages like lounge entry and assertion credit. The Chase Sapphire Reserve for Business can fill that gap.
Moreover, if in case you have excessive promoting spending, you might need to go for the Sapphire Reserve for Enterprise, because it earns an uncapped 3 factors per greenback spent on social media and search engine promoting, whereas the Ink Business Preferred‘s promoting bonus class is capped at $150,000 in mixed annual spending.
Nonetheless, in the event you do not want lounge entry or premium perks, have excessive promoting spending or desire a decrease annual charge, you must go for an Ink Enterprise card.
Not eligible for an Ink card? No drawback
You may as well create a Chase Trifecta with out an Ink Enterprise card. Since Chase does not limit you to solely having one Freedom card, you possibly can carry the Freedom Flex and the Freedom Unlimited.
With this setup, you’ll use your Sapphire card for 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 one of the crucial cost-effective trifectas in the event you go for the Sapphire Preferred, because the mixed annual charges could be simply $95.
In the meantime, you may hold both the Chase Sapphire Reserve and the Sapphire Most well-liked, plus the Freedom Limitless. Whereas that is an costly setup, with mixed annual charges costing $890, you’ll cowl all bonus spending classes, particularly with journey, accommodations and flights booked straight and earn no less than 1.5 factors per greenback spent.
Different Ink Enterprise choices
The Ink Business Preferred is the commonest decide for the Chase Trifecta, but it surely is not the one choice.
You might additionally go for a no-annual-fee Ink Enterprise card, just like the Ink Business Cash® Credit Card (see rates and fees) or the Ink Business Unlimited® Credit Card (see rates and fees).
The Ink Enterprise Money earns 5% money again on the primary $25,000 you make in mixed purchases every account anniversary yr at workplace provide shops and on web, cable and telephone providers. The Ink Enterprise Money is an efficient choice for these with excessive spending in business-related bonus classes.
The Ink Enterprise Limitless earns 1.5% limitless money again on all purchases, making it an incredible catchall card for many who do not spend a lot on bonus classes.
Nonetheless, the Ink Enterprise Most well-liked is the one card that gives cellphone safety, so in the event you drop your telephone usually, this can be one thing to think about.
Associated: Chase Ink Business Unlimited vs. Ink Business Cash: Battle of the cash-back business cards
Backside line
The last word objective of constructing a Chase Trifecta is to maximise each greenback you spend by placing your purchases on the appropriate bank cards. When constructing your individual model of the trifecta, think about Chase’s 5/24 rule and the way a lot time you are allotting between Chase purposes.
For extra particulars on tips on how to improve your approval odds, try our guide to credit card application rules and restrictions.
Associated: Better together: The ultimate guide to the best credit card combinations