Chase Trifecta & Combo Ultimate Rewards Points Calculators

Chase Trifecta Calculators

Compare Chase Credit Card Combinations

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.

Chase 5/24

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
priority pass
Priority Pass is pretty costly by itself, so having it as a cardholder can save some money.

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.

Chase Freedom

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.

Benefit: All Chase Cards offer primary car rental insurance which can save you hundreds per year.

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.

Chase Combos

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

Rewards and Card Value Comparison Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Change Cards
Compare A Card
Compare Cards
These cards are part of the same family.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-03-10
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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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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