Airways and resorts commonly devalue their applications and improve the variety of factors and miles wanted for flights and award stays — that is nothing new.
Nevertheless, bank card consultants frequently stay loyal to Chase for 2 most important causes: Excessive-value Chase Final Rewards factors are versatile, and Chase gives a pairable card 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 a 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 popular® Credit score Card (see charges and costs).
Here is how these playing cards work collectively to create an excellent bank card technique.
What’s the Chase Trifecta?
The Chase Trifecta is a pairing of three of Chase’s rewards-earning bank cards that assist you maximize your earnings via spending.
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 embrace an Final Rewards-earning card.
To maximise the worth of your rewards, we suggest changing all of 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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Observe that you may additionally pair a Sapphire card with two Freedom playing cards if you happen to do not qualify for or need a enterprise card.
Chase Sapphire Reserve
Annual charge: $795.
Welcome supply: Earn 100,000 bonus factors and a $500 Chase Journey℠ promo credit score after spending $5,000 on purchases within the first three months from account opening. This welcome supply is price as much as $2,550 (together with the assertion credit score) primarily based on TPG’s August 2025 valuations.
Observe that the promotional credit score is legitimate for one-time use solely. Should you apply it to a transaction lower than $500, you’ll forfeit the remaining stability.
This card earns 4 factors per greenback spent on flights and resorts booked immediately, plus 3 factors per greenback spent on eating (together with takeout and supply).
Its hefty $795 annual charge is offset by its $300 annual journey credit score 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 Precedence Cross Choose membership and entry to Chase’s rising community of Sapphire lounges, greater than make up for the steep annual charge.
You may switch your factors to one in all Chase’s 14 companions for max worth. The Sapphire Reserve’s flexibility and incomes energy make it a wonderful journey companion and on a regular basis earner.
To be taught extra, take a look at our full evaluation of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most popular Card
Annual charge: $95.
Welcome supply: Earn 75,000 factors after spending $5,000 on purchases within the first three months from account opening. This supply is price $1,538 primarily based on TPG’s August 2025 valuations.
In order for you a Chase product with a considerably decrease annual charge, go for the Sapphire Most popular. It is among the best starter journey rewards playing cards and has a number of bonus-earning classes.
You may obtain many of the journey protections and insurances which are on the Sapphire Reserve, like major rental automotive insurance coverage and journey cancellation insurance coverage (an typically underrated however helpful profit), however at decrease ranges of protection.
To be taught extra, take a look at our full evaluation of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card
Chase Sapphire Reserve for Enterprise
Annual charge: $795.
Welcome supply: Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. This supply is price $4,100 primarily based on TPG’s August valuations.
The Chase Sapphire Reserve for Enterprise is the issuer’s first premium enterprise card. Like its private counterpart, the Sapphire Reserve, it carries a $795 annual charge. Nevertheless, that charge could be offset by the laundry listing of perks and over $2,000 yearly in assertion credit.
You may additionally obtain lounge entry by way of Sapphire and Precedence Cross lounges and a collection of buy and journey protections.
To be taught extra, take a look at our full evaluation of the Chase Sapphire Reserve for Enterprise.
Apply right here: Chase Sapphire Reserve for Enterprise
Chase Freedom Limitless
Annual charge: $0.
Welcome supply: 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 can select the Freedom Limitless. This card is a wonderful alternative for anybody who desires 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 be taught extra, take a look at our full evaluation of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual charge: $0.
Welcome supply: Earn $200 after spending $500 on eligible purchases inside the first three months of account opening.
With the Freedom Flex, you will earn 5% again on rotating quarterly classes (on as much as $1,500 of mixed spending per quarter, then 1% thereafter; activation required).
These quarterly classes are usually very simple to make use of and have beforehand included electrical automobile charging stations, Instacart and stay leisure.
To be taught extra, take a look at our full evaluation of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Ink Enterprise Most popular Credit score Card
Annual charge: $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 price $1,845 primarily based on TPG’s August 2025 valuations.
To spherical out the trifecta, you will want an Ink Enterprise card.
With the Ink Enterprise Most popular, you will earn 3 factors per greenback spent on journey, delivery, web, cable, cellphone providers and promoting purchases made with social media websites and search engines like google (on as much as $150,000 in mixed spending every account anniversary yr, then 1 level per greenback).
Together with major rental automotive insurance coverage on vehicles rented for enterprise functions, the Ink Enterprise Most popular additionally gives cellphone safety. It will exchange your cellphone if it is stolen or broken (as much as thrice per yr) with only a $100 deductible, so long as you pay your month-to-month cellphone invoice along with your card.
You may even defend your staff’ cellphones if their service traces are included on the identical invoice. Simply notice that the restrict is $1,000 per declare and a complete of $3,000 (or three claims) per 12-month interval.
To be taught extra, take a look at our full evaluation of the Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular Credit score Card
How does a Chase Trifecta work?
When selecting a Chase Trifecta, think about what you are prepared to pay in annual charges, your normal journey and spending habits and whether or not you might be eligible for a enterprise card.
Based mostly on these elements, 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 gives distinctive perks as a part of a well-rounded bank card technique.
Chase Sapphire Most popular vs. Chase Sapphire Reserve vs. Chase Sapphire Reserve for Enterprise
Newcomers who’re cautious of the $795 annual charge on the Sapphire Reserve can exchange it with the Chase Sapphire Most popular.
The Sapphire Most popular incorporates a decrease redemption bonus with Factors Increase and would not supply lounge entry. Nevertheless, you will get pleasure from a $50 annual assertion credit score for resorts booked via Chase Journey, plus a ten% factors bonus in your anniversary primarily based in your earlier yr’s spending.
Lastly, you can skip the private Sapphire playing cards and go together with the Chase Sapphire Reserve for Enterprise.
No matter which Sapphire card you choose, you will have entry to Chase’s switch companions.
Associated: Chase Sapphire Most popular vs. Sapphire Reserve: Do you have to 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 the next charge on nonbonus spending — it would make extra sense so that you can have the Chase Freedom Flex as an alternative of the Chase Freedom Limitless for the rotating quarterly classes.
Then again, 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 Limitless comparability: Rotating classes or flat money again?
Ink Enterprise card or Sapphire Reserve for Enterprise?
Should you go for the Chase Sapphire Most popular as your most important Sapphire card, you should still need a premium journey card with advantages like lounge entry and assertion credit. The Chase Sapphire Reserve for Enterprise can fill that hole.
Moreover, in case you have excessive promoting spending, it’s possible you’ll wish 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 Enterprise Most popular‘s promoting bonus class is capped at $150,000 in mixed annual spending.
Nevertheless, if you happen to do not want lounge entry or premium perks, have excessive promoting spending or need a decrease annual charge, it is best to go for an Ink Enterprise card.
Not eligible for an Ink card? No drawback
You too can create a Chase Trifecta with out an Ink Enterprise card. Since Chase would 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 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 cost-effective trifectas if you happen to go for the Sapphire Most popular, because the mixed annual charges could be simply $95.
In the meantime, you can maintain each the Chase Sapphire Reserve and the Sapphire Most popular, plus the Freedom Limitless. Whereas that is an costly setup, with mixed annual charges costing $890, you’d cowl all bonus spending classes, particularly with journey, resorts and flights booked immediately and earn no less than 1.5 factors per greenback spent.
Different Ink Enterprise choices
The Ink Enterprise Most popular is the commonest decide for the Chase Trifecta, nevertheless it is not the one choice.
You could possibly additionally go for a no-annual-fee Ink Enterprise card, 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).
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 cellphone 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 excellent catchall card for many who do not spend a lot on bonus classes.
Nevertheless, the Ink Enterprise Most popular is the one card that gives cellphone safety, so if you happen to drop your cellphone typically, this can be one thing to contemplate.
Associated: Chase Ink Enterprise Limitless vs. Ink Enterprise Money: Battle of the cash-back enterprise playing 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 personal model of the trifecta, think about Chase’s 5/24 rule and the way a lot time you are allotting between Chase functions.
For extra particulars on easy methods to improve your approval odds, take a look at our information to bank card software guidelines and restrictions.
Associated: Higher collectively: The last word information to the very best bank card combos
