Calculate the cash value of the Chase Trifecta (Sapphire Reserve, Ink Preferred, Freedom Unlimited) based on monthly/yearly spend, benefits, and fees.
Ultimate Rewards Points can be very valuable for those who travel. This is why finding the perfect combination of Chase point earning cards is essential. To build a Trifecta, you will need at least one Ultimate Rewards Point earning card. Having one Chase point earning card allows you to convert cash back earned with Chase into Ultimate Rewards Points at the rate of 1 cent for 1 point. Between the three point earning cards, the Chase Sapphire Reserve is the best choice thanks to the 50% point boost, 3x category earnings, travel/purchase coverage, and elite travel benefits. Next, you will want to have a card that earns a great return on miscellenous purchases which is going to be the Chase Freedom Unlimited or Chase Ink Business Unlimited cards in which both earn 1.5% back on all purchases. Then it's up to you on what the third card will be. This will usually be between the Chase Ink Business Preferred or the Chase Ink Business Cash depending on your spend across the bonus categories featured on both cards. I'd also recommend picking up the Chase Freedom Card due to the quarterly rotating 5% categories. This page will specifically cover the Chase Sapphire Reserve, Chase Ink Business Preferred, and Chase Freedom Unlimited trifecta. If you have a different Trifecta in mind outside of this one, jump over to the Credit Card Comparison Tool and compare any group of cards together to find the best for you!
Ultimate Rewards Points Value
Ultimate Rewards Points can easily be redeemed for 1.25 or 1.5 cents on the Chase Travel Portal depending on which Ultimate Rewards Point earning card you have. Those who choose to transfer their points to airline and hotel partners will have a chance to get significantly more value. Redemptions with Chase outside of the Chase Travel Portal will have a value of 1 cent and lower. You can jump to the Ultimate Rewards Points Calculator to calculate the cash value of any amount of points based on the redemption and calculate the transfer of points to Chase Travel Partners.
This Chase Trifecta builds up a total of eight bonus categories. The categories featured on the Chase Ink Business Preferred has a combined purchase cap of $150,000 on the 3x bonus. The Chase Sapphire Reserve and Chase Freedom Unlimited has no bonus caps. There is no limit to the amount of Ultimate Rewards Points you can earn with any of these cards overall.
Starting January 12, 2020. Lyft is the newest category to be added to Chase credit cards. The Chase Sapphire Reserve earns a whopping 10 Ultimate Rewards Points per $1 spent on Lyft purchases while the remaining cards all earn either 5x Ultimate Rewards or 5% cash back. If you use Lyft, this is a superb return and if you don't... well.. this category will mean nothing at all to you. Regardless, it's a nice addition to most of the cards as the ability to earn more points is always welcomed.
Both the Chase Sapphire Reserve and Chase Ink Business Preferred earns 3 Ultimate Rewards Points per $1 spent on travel. Since the Ink Preferred has a cap on its travel category, the Chase Sapphire Reserve will be the card you will want to use. The Chase Sapphire Reserve also has the best trip/purchase coverage making it the go-to card for travel purchase. In terms of the category itself, Chase considers the following to be travel:
- Hotels, Motels, Timeshares
- Car Rental Agencies, Taxis, Buses, Trains, Limousines
- Cruise Lines
- Travel Agencies, Travel Sites
- Ferries, Toll Bridges, Highways
- Parking Lots, Garages
- Anything else related to travel
The Chase Sapphire Reserve could be swapped out for the Chase Sapphire Preferred, but this would reduce the "easy" value of Ultimate Rewards Points from 1.5 cents each to 1.25 cents each. If you plan on transferring points to partners or redeeming points for non-travel, the Sapphire Preferred would work fine the first year. After that, the value of the Chase Sapphire Preferred card drops heavily once the annual fee kicks in so it's a possibility that you would be better off charging travel to the Ink Business Preferred and avoiding the Sapphire Preferred altogether.
Card Comparison Calculator: Chase Sapphire Reserve vs Preferred
The Chase Sapphire Reserve card earns 3 Ultimate Rewards Points per $1 spent on dining. This is best choice for consistently earning a great return on food. The fact that this card has no international transaction fee makes it superb for international travel. I'd also recommend picking up the Chase Freedom card which sometimes features dining as one of it's rotating quarterly categories earning you 5x points on the first $1,500 in dining for that quarter.
Again, this card could be swapped out for the Sapphire Preferred, but more than likely it will not be worth it.
The Chase Ink Business Preferred card earns 3 Ultimate Rewards Points per $1 spent on shipping. This includes USPS, FedEx, UPS and other businesses categorized as shipping. The Ink Business Preferred is the only point earning card that offers this category, so anyone that dabbles in shipping will want to aim for this card.
The Chase Ink Business Preferred card earns 3 Ultimate Rewards Points per $1 spent on advertisment. Chase considers shipping as merchants that specialize in mailing packages, hauling freight, and transporting goods or documents. That includes shipping merchants such as:
- Couriers such as FedEx, UPS, and USPS
- Postal and Freight Shipping Companies
- Express Shipping Services
- Mailbox Stores
3x Internet, Cable, Phone Services
Internet, cable, and phone services is seen on many Chase cards. Those choosing to go with the Chase Ink Business Preferred will earn 3 Ultimate Rewards Points per $1 spending across these categories. If you're looking for more points (of course you are!), you can swap out the Ink Preferred with the Ink Business Cash and earn 5% cash back on the same three categories. This will give you a total of 5 points per $1 spent and would be the better choice if you don't dab in the business categories of shipping or advertisement.
All miscelleanous purchases not covered by the Chase Sapphire Reserve and Ink Business Preferred, should be placed on the Chase Freedom Unlimited. The Freedom Unlimited earns 1.5% cash back on all purchases which will be equal to earning 1.5 points per $1. This is better than the 1 point earning that you would get with other Chase credit cards.
Perks and Benefits
Chase Sapphire Reserve
The Chase Sapphire Reserve features a $300 annual travel credit and $100 Global Entry/TSA PreCheck Credit. In addition to those credits, cardholders will receive Priority Pass access, hotel benefits through the Luxury Hotel and Resort Collection, and a 50% boost to the value of Ultimate Rewards Points when used for travel through the Chase Ultimate Rewards Portal. Since the Chase Sapphire Reserve is a Visa Infinite Card, you will also receive primary rental car insurance, trip cancellation and delay coverage, and lost luggage reimbursement. These are key perks for travelers (especially business traveler) who wants some extra peace of mind knowing they're protected from unforeseen circumstances.
Chase Business Preferred Ink
The Chase Business Preferred Ink Card features cellular telephone protection. This offers up to $600 in protection with a $100 deductible.
Chase Freedom Unlimited
The Chase Freedom Unlimited is a cash back earning card. The Chase Freedom points you receive on this card can be redeemed for the standard 1.5% cash back, but the value comes into play when you use them as Ultimate Rewards Points. This card has that ability when you own the Chase Sapphire Reserve, Chase Sapphire Preferred, or Ink Business Preferred credit card. This makes the Chase Freedom Points you earn with the Chase Freedom Unlimited more valuable since they can now be redeemed for 1.25 to 1.5 cents each or be transferred to airline partners for even more value.
Sign Up Bonus
The Chase Sapphire Reserve has a standard sign up bonus of around 50,000 Ultimate Rewards Points, the Ink Business Preferred has a sign up bonus of 80,000 Ultimate Rewards Points, and the Chase Freedom Unlimited has a $150 sign up bonus which can be redeemed as 15,000 Ultimate Rewards Points. This is a total of 145,000 Ultimate Rewards Points worth around $2,175 (1.5 cents each) if used on the Chase Travel Portal or as much as $2,900+ (2 cents each) if transferred to airline and hotel partners.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Chase Trifecta will cost you a total of $545 per year to maintain due to the $450 fee of the Chase Sapphire Reserve and $95 fee of the Ink Business Preferred. Those who want to bring down the cost of the annual fees can opt for the Chase Ink Business Cash Card in lieu of the Ink Business Preferred and save $95.
Authorized User Fee
The Chase Sapphire Reserve charges $75 for each additional Reserve Card. The Ink and Freedom Unlimited does not charge for additional users.
Foreign Transaction Fee
The Freedom Unlimited has a foreign transaction fee of 3% making it a terrible choice for international purchases. Both the Chase Sapphire Reserve and Chase Business Ink Preferred cards do not have foreign transaction fees meaning you can easily rake up points on international purchases and travel. You can sub out the Chase Freedom Unlimited for the Ink Business Unlimited which earns 1.5% on all purchases and has no international transaction fee.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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