Airways and accommodations usually devalue their applications and enhance the variety of factors and miles wanted for flights and award stays — that is nothing new.
Nonetheless, bank card specialists frequently stay loyal to Chase for 2 most important causes: Excessive-value Chase Final Rewards factors are versatile, and Chase affords a pairable card lineup that permits you to 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 may 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 Card} (see charges and costs).
This is how these playing cards work collectively to create a fantastic bank card technique.
What’s the Chase Trifecta?
The Chase Trifecta is a pairing of three of Chase’s rewards-earning bank cards that show you how to maximize your earnings by means of spending.
Regardless of a few of these playing cards incomes money again, you may 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, 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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Be aware you could additionally pair a Sapphire card with two Freedom playing cards when you do not qualify for or need a enterprise card.
Chase Sapphire Reserve
Annual payment: $795.
Welcome provide: 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 provide is value as much as $2,550 (together with the assertion credit score) primarily based on TPG’s August 2025 valuations.
Be aware 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 steadiness.
This card earns 4 factors per greenback spent on flights and accommodations booked immediately, plus 3 factors per greenback spent on eating (together with takeout and supply).
Its hefty $795 annual payment 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 payment.
You may switch your factors to one among Chase’s 14 companions for optimum worth. The Sapphire Reserve’s flexibility and incomes energy make it a wonderful journey companion and on a regular basis earner.
To study extra, try our full evaluation of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most popular Card
Annual payment: $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 would like a Chase product with a considerably decrease annual payment, go for the Sapphire Most popular. It is among the finest starter journey rewards playing cards and has a number of bonus-earning classes.
You may 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 typically underrated however helpful profit), however at decrease ranges of protection.
To study extra, try our full evaluation of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card
Chase Sapphire Reserve for Enterprise
Annual payment: $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 enterprise card. Like its private counterpart, the Sapphire Reserve, it carries a $795 annual payment. Nonetheless, that payment may be offset by the laundry checklist 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 study extra, try our full evaluation of the Chase Sapphire Reserve for Enterprise.
Apply right here: Chase Sapphire Reserve for Enterprise
Chase Freedom Limitless
Annual payment: $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 superb 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 at the very least 1.5% again on all purchases.
To study extra, try our full evaluation of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual payment: $0.
Welcome provide: 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 straightforward to make use of and have beforehand included electrical car charging stations, Instacart and stay leisure.
To study extra, try our full evaluation of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Ink Enterprise Most popular {Credit Card}
Annual payment: $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 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 serps (on as much as $150,000 in mixed spending every account anniversary 12 months, then 1 level per greenback).
Together with main rental automotive insurance coverage on automobiles rented for enterprise functions, the Ink Enterprise Most popular additionally affords cellphone safety. This can change 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 together with your card.
You may even shield your workers’ cellphones if their service strains are included on the identical invoice. Simply observe 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 evaluation of the Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular {Credit Card}
How does a Chase Trifecta work?
When selecting a Chase Trifecta, think about what you are keen to pay in annual charges, your basic journey and spending habits and whether or not you might be eligible for a enterprise card.
Based mostly on these elements, it’d make sense to switch one of many enterprise playing cards listed above with one other Chase product. Every of those playing cards covers a definite spending space and affords 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
Inexperienced persons who’re cautious of the $795 annual payment on the Sapphire Reserve can change it with the Chase Sapphire Most popular.
The Sapphire Most popular incorporates a decrease redemption bonus with Factors Enhance and does not provide lounge entry. Nonetheless, you will get pleasure from a $50 annual assertion credit score for accommodations booked by means of Chase Journey, plus a ten% factors bonus in your anniversary primarily based in your earlier 12 months’s spending.
Lastly, you may skip the private Sapphire playing cards and go along 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 Card} or the Citi Double Money® Card (see charges and costs) — each of which earn at the next fee on nonbonus spending — it’d 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.
Alternatively, 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, when you’ve got excessive promoting spending, chances are 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.
Nonetheless, when you do not want lounge entry or premium perks, have excessive promoting spending or need a decrease annual payment, you need to go for an Ink Enterprise card.
Not eligible for an Ink card? No downside
It’s also possible to create a Chase Trifecta with out an Ink Enterprise card. Since Chase does not limit you to solely having one Freedom card, you may carry the Freedom Flex and the Freedom Limitless.
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 anything that does not fall into these bonus classes.
That is additionally probably the most cost-effective trifectas when you go for the Sapphire Most popular, because the mixed annual charges could be simply $95.
In the meantime, you may 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’ll cowl all bonus spending classes, particularly with journey, accommodations and flights booked immediately and earn at the very least 1.5 factors per greenback spent.
Different Ink Enterprise choices
The Ink Enterprise Most popular is the most typical decide for the Chase Trifecta, however it is not the one possibility.
You possibly can additionally go for a no-annual-fee Ink Enterprise card, just like the Ink Enterprise Money® {Credit Card} (see charges and costs) or the Ink Enterprise Limitless® {Credit 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 12 months at workplace provide shops and on web, cable and cellphone providers. The Ink Enterprise Money is an efficient possibility 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 a fantastic catchall card for individuals who do not spend a lot on bonus classes.
Nonetheless, the Ink Enterprise Most popular is the one card that gives cellphone safety, so when you drop your cellphone typically, this can be one thing to think about.
Associated: Chase Ink Enterprise Limitless vs. Ink Enterprise Money: Battle of the cash-back enterprise playing cards
Backside line
The last word aim 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 purposes.
For extra particulars on tips on how to enhance your approval odds, try our information to bank card utility guidelines and restrictions.
Associated: Higher collectively: The last word information to the most effective bank card mixtures
