Airways and inns repeatedly devalue their applications and improve the variety of factors and miles wanted for flights and award stays — that is nothing new.
Nevertheless, bank card specialists frequently stay loyal to Chase for 2 important causes: Excessive-value Chase Final Rewards factors are versatile, and Chase presents 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 consists of the Chase Sapphire Reserve® (see charges and charges), the Chase Freedom Limitless® (see charges and charges) and the Ink Enterprise Most popular® Credit score Card (see charges and charges).
This is how these playing cards 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 that make it easier to 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 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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Notice that you would be able to additionally pair a Sapphire card with two Freedom playing cards if you happen to do not qualify for or desire a enterprise card.
Chase Sapphire Reserve
Annual price: $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) based mostly on TPG’s August 2025 valuations.
Notice that the promotional credit score is legitimate for one-time use solely. In case 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 inns booked instantly, plus 3 factors per greenback spent on eating (together with takeout and supply).
Its hefty $795 annual price 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 Go Choose membership and entry to Chase’s rising community of Sapphire lounges, greater than make up for the steep annual price.
You possibly can switch your factors to one in every of 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 be taught extra, try our full assessment of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most popular Card
Annual price: $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 based mostly on TPG’s August 2025 valuations.
In order for you a Chase product with a considerably decrease annual price, go for the Sapphire Most popular. It is probably the greatest starter journey rewards playing cards and has a number of bonus-earning classes.
You may obtain a lot of the journey protections and insurances which might be on the Sapphire Reserve, like major rental automobile insurance coverage and journey cancellation insurance coverage (an usually underrated however helpful profit), however at decrease ranges of protection.
To be taught extra, try our full assessment of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card
Chase Sapphire Reserve for Enterprise
Annual price: $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 based mostly 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 price. Nevertheless, that price will 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 Go lounges and a collection of buy and journey protections.
To be taught extra, try our full assessment of the Chase Sapphire Reserve for Enterprise.
Apply right here: Chase Sapphire Reserve for Enterprise
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.
For the second a part of the trifecta, you may select the Freedom Limitless. This card is a wonderful alternative for anybody who needs a catchall card for purchases that do not fall into bonus-earning classes with different playing cards, because it earns not less than 1.5% again on all purchases.
To be taught extra, try our full assessment of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual price: $0.
Welcome supply: Earn $200 after spending $500 on eligible purchases throughout the first three months of account opening.
With the Freedom Flex, you may 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 sometimes very straightforward to make use of and have beforehand included electrical automobile charging stations, Instacart and dwell leisure.
To be taught extra, try our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Ink Enterprise Most popular 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 price $1,845 based mostly on TPG’s August 2025 valuations.
To spherical out the trifecta, you may want an Ink Enterprise card.
With the Ink Enterprise Most popular, you may earn 3 factors per greenback spent on journey, transport, web, cable, telephone providers and promoting purchases made with social media websites and engines like google (on as much as $150,000 in mixed spending every account anniversary 12 months, then 1 level per greenback).
Together with major rental automobile insurance coverage on vehicles rented for enterprise functions, the Ink Enterprise Most popular additionally presents cellphone safety. It will change your cellphone if it is stolen or broken (as much as thrice 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 defend your workers’ cellphones if their service traces are included on the identical invoice. Simply be aware 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, try our full assessment 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 keen to pay in annual charges, your basic journey and spending habits and whether or not you’re eligible for a enterprise card.
Based mostly on these components, 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 presents 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
Rookies who’re cautious of the $795 annual price 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 would not supply lounge entry. Nevertheless, you may take pleasure in a $50 annual assertion credit score for inns booked via Chase Journey, plus a ten% factors bonus in your anniversary based mostly in your earlier 12 months’s spending.
Lastly, you may skip the non-public Sapphire playing cards and go along with the Chase Sapphire Reserve for Enterprise.
No matter which Sapphire card you choose, you may 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 charges) — each of which earn at a better price on nonbonus spending — it’d make extra sense so that you can have the Chase Freedom Flex as a substitute of the Chase Freedom Limitless 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 better option 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?
In case you go for the Chase Sapphire Most popular as your important Sapphire card, you should still desire 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, you could 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 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 desire a decrease annual price, you need to go for an Ink Enterprise card.
Not eligible for an Ink card? No downside
You can even create a Chase Trifecta with out an Ink Enterprise card. Since Chase would not limit you to solely having one Freedom card, you possibly can 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 some of the cost-effective trifectas if you happen to go for the Sapphire Most popular, because the mixed annual charges can 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, inns and flights booked instantly and earn not less than 1.5 factors per greenback spent.
Different Ink Enterprise choices
The Ink Enterprise Most popular is the commonest choose 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 Enterprise Money® Credit score Card (see charges and charges) or the Ink Enterprise Limitless® Credit score Card (see charges and charges).
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. The Ink Enterprise Money is an effective 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 important catchall card for individuals 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 telephone 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
Backside line
The last word aim of constructing a Chase Trifecta is to maximise each greenback you spend by placing your purchases on the suitable 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, try our information to bank card software guidelines and restrictions.
Associated: Higher collectively: The last word information to the most effective bank card combos
