Chase Trifecta Point 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

You will want to be well aware of the Chase 5/24 rule before you start applying for any kind of reward cards with Chase (or other banks for that matter). 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 Chase Ultimate Rewards and cash back credit cards listed on this page falls under the Chase 5/24 rule along with other Chase credit cards such as:

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.

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 since it has no annual fee.

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: 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.

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 2-Card 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

All of these credit card combinations are great for making sure you earn no less than 1.5 Ultimate Rewards Points per $1 spent on non-category/miscellenous purchases. Again, don't forget to add the no annual fee Chase Freedom card to these combos if you can!

Comparison Calculator
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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:
$0
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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