Chase Trifecta Calculators
Calculate how many Ultimate Rewards Points you can earn with different Chase Trifectas & combos. Compare results side by side and find the best combination.
Ultimate Rewards Points can be very valuable for those who travel. They can be redeemed directly through the Chase Travel Portal for 1.25-1.5 cents in value or be transferred to Chase's airline and hotel partners to obtain as high as 2 cents or more in value.
When it comes to earning Ultimate Rewards Points, you have a total of seven card options. First, you'll need to own at least one of the three Ultimate Rewards Points earning cards. Those cards are:
If you own at least one Ultimate Rewards Credit Card, you'll have the ability to convert cash back earned with Chase into Ultimate Rewards Points. That opens up an additional four cards you can use to earn points with which are:
This page will allow you to enter your spend and switch between several different trifectas and 2-card combos. You'll be able to compare different combinations side by side one another.
Do note that the Chase Freedom is not part of any Chase Card combination listed on this page due to the fact that the card has rotating categories and the fact that the categories for the year aren't known in advance. The Chase Freedom card has no annual fee and I highly recommend making this card part of your combination.
Before you dive head first into Chase's credit cards, you must first learn about Chase's 5/24 rule. If you have opened more than 5 new credit card accounts within the last 24 months (2 years), you will more than likely not be approved for a Chase credit card. This includes personal Chase cards as well as personal cards opened at other banks. All cards on this page falls under the Chase 5/24 rule along with other Chase credit cards:
If you're not sure of how many new accounts you've opened, you can sign up for a free Credit Karma account. It will show you how many new accounts you've opened and you can use that to see if you fall under the 5/24 rule.
Ultimate Rewards Cards
There are a total of three available Ultimate Rewards Credit Cards. You'll need to have at least one or more of these cards in order to have the ability to convert Chase cash back into Ultimate Rewards Points.
Chase Sapphire Reserve
The Chase Sapphire Reserve is the luxury/premium card in the bunch and has an annual fee of $550 per year. While the fee is on the high side, the card comes with $300 in annual travel credits that are good towards any travel purchase. That brings the true annual fee of this card down to $250 per year.
The Chase Sapphire Reserve earns 3 Ultimate Rewards Points per $1 on both travel and dining purchases and points earned with this card are easily redeemable towards travel for 1.5 cents each through the Chase Travel Portal thanks the 50% point boost the card grants. Due to Chase's partnership with Lyft, the Reserve also offers 10 Ultimate Rewards Points per $1 spent on Lyft making it the best credit card for Lyft spend hands down.
Tons of other benefits are stacked into this card which includes:
- $100 Global Entry/TSA PreCheck Credit
- Priority Pass Select
- Lyft Pink Membership
- DoorDash Credits & Benefits
- Luxury Hotel and Resort Collection
- Superb Travel Protection/Coverage
- Superb Purchase Protection/Coverage
Chase Sapphire Preferred
The Chase Sapphire Preferred is a big step down from the Sapphire Reserve. The card has a $0 fee the first year, and then will cost you $95 per year the second year then onward.
The Chase Sapphire Preferred earns 2 Ultimate Rewards Points per $1 spent on both travel and dining. The card also earns 5 Ultimate Rewards Points per $1 on Lyft purchases which is in line with all of the other Chase Cards outside of the Reserve. Points can be redeemed for 1.25 cents each through the Chase Travel Portal due to the card's 25% boost to point value on portal redemptions.
The Chase Sapphire Preferred offers great travel and purchase protection/coverage.
Chase Ink Business Preferred
The Chase Ink Business Preferred is the only business card that directly earns Ultimate Rewards Points. The annual fee is $95 annually and it's one of the best business cards on the market in terms of earning valuable rewards points.
The Chase Ink Business Preferred earns 3 Ultimate Rewards Points per $1 on travel, shipping, internet, phone, cable, and advertisement purchases along with 5 Ultimate Rewards Points per $1 on Lyft spend due to the Chase-Lyft partnership. Since this card earns 3x on travel, it's great alternative to the Chase Sapphire Reserve if you don't need the 3x on dining the Reserve offers.
Like the Sapphire Preferred, the Ink Business Preferred offers a 25% boost to points redeemed on the Chase Travel Portal which gives you an easy redemption value of 1.25 cents per point.
Cash Back Cards
Chase has four cash back credit cards. Cash back earned with Chase can be turned into Ultimate Rewards Points as long as you have one of the three Ultimate Rewards credit cards listed up above. Rewards transfer at the rate of 1 cent for 1 Ultimate Rewards Point.
The Chase Freedom is a 5% cash back rotating category card. This means that every three months the categories on the card will change. The Chase Freedom has no annual fee and I highly recommend picking up this card regardless of what combination of Chase credit cards you end up going with. Earning 5% cash back would be equal to earning 5x Ultimate Rewards Points.
Chase Freedom Unlimited
The Chase Freedom Unlimited is a flat rate 1.5% cash back credit card. This means you'll earn 1.5% cash back on all purchases. This card and the Chase Ink Business Unlimited Card are the best credit card for miscellaneous purchases since all other Chase cards will earn either 1% or 1x on non-category purchases.
Chase Ink Business Cash
The Chase Ink Business Cash is one of the best cash back business credit cards on the market. It earns a whopping 5% cash back on office supply store, cable, internet, phone, and Lyft spend. The Ink Business Cash also earns 2% cash back on gas station and restaurant spend. This is equal to 5x and 2x if you convert the earned cash back into Ultimate Rewards Points.
The Chase Ink Business Cash Card is a great alternative to the Chase Ink Business Preferred if you want to earn a higher rate on cable, internet, and phone purchases.
Chase Ink Business Unlimited
The Chase Ink Business Unlimited Card is a flat rate 1.5% cash back credit card. It is basically the business version of the Chase Freedom Unlimited. It's a great card for miscellaneous purchases as you'll earn 1.5%/1.5x versus earning 1%/1x with other Chase credit cards.
Trifectas & Combos
All of the combinations listed below are featured in the calculator. Remember that the Chase Freedom is not included in the combinations due to the earning structure and not knowing what categories are offered in advance. The Chase Freedom should always be part of your card combination.
Do note that the Chase Freedom Unlimited and Chase Ink Business Unlimited are basically the same card and can be swapped out for each other. Business cards do not count towards Chase's 5/24 rule so if you're high on the new-accounts side of the fence, the Ink Business Unlimited will be the better option.
Chase Trifecta 1
Cards: Chase Sapphire Reserve, Chase Ink Business Preferred, & Chase Freedom Unlimited
This is one of the most common combinations. It gives you the travel luxuries of the Chase Sapphire Reserve while providing a great return on internet, phone, and cable. If you spend in other business categories such as shipping and advertising, you'll benefit as well. The Chase Freedom Unlimited is used to catch all non-category purchases not covered by the Sapphire Reserve and the Ink Business Preferred.
Chase Trifecta 2
Cards: Chase Sapphire Reserve, Chase Ink Business Cash, & Chase Freedom Unlimited
The is another one of the most common combinations. This combo swaps the Ink Business Preferred for the Ink Business Cash. This gives you a higher earning of 5% cash back on cable, internet, and phone spend while also providing the very nice bonus category of office supply stores (think 5% cash back/points on gift cards). This combo also takes out the redundancy of the travel category.
Chase Trifecta 3
Cards: Chase Sapphire Preferred, Chase Ink Business Preferred, & Chase Freedom Unlimited
This combination swaps out the Sapphire Reserve for the Sapphire Preferred in Trifecta 1. This is a great combo for those who don't want all the bells and whistles of the Sapphire Reserve Card. Do note that the extra point the Reserve earns on travel and dining purchases along with the 50% boost in points will usually put the Chase Sapphire Reserve above the Sapphire Preferred. It does not take much spend on the Reserve to beat the Preferred.
Chase Trifecta 4
Cards: Chase Sapphire Preferred, Chase Ink Business Cash, & Chase Freedom Unlimited
This combo features the Chase Ink Business Cash instead of the Chase Ink Business Preferred. This is a great combination for those who don't mind the lower earnings on travel and dining, but really want to earn 5x on the Chase Ink Business Cash categories. If you're looking to maximize your spend at Office Supply Stores and don't need/want the Sapphire Reserve, this is a great trifecta to have.
If you're only looking to pair two Chase Cards together (three if you count the Chase Freedom Card), you'll want to pair an Ultimate Rewards Card with the Chase Freedom Unlimited or the Chase Ink Business Unlimited.
- Combo 1: Chase Sapphire Reserve + Freedom/Business Unlimited
- Combo 2: Chase Sapphire Preferred + Freedom/Business Unlimited
- Combo 3: Chase Ink Business Preferred + Freedom/Business Unlimited
You can use this rewards comparison 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 cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.
All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.
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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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