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 Flex 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 Flex 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 Flex is not included in the combinations due to the earning structure and not knowing what categories are offered in advance and should always be part of your card combination since it has no annual fee.

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 as well as provide high earnings on Chase Ultimate Rewards Portal and drugstore purchases.

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 that does not mind losing 1 point per $1 on travel purchases. Just note that the 50% boost the Sapphire Reserve offers makes a big difference if you plan on redeeming points through the Chase Ultimate Rewards Portal. W

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 good 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 Flex Card), you'll want to pair an Ultimate Rewards Card with the Chase Freedom Unlimited or the Chase Ink Business Unlimited. While both cards offer 1.5% on non-category purchases, remember that the Chase Freedom Unlimited earns bonus points on drugstore and Chase Ultimate Rewards Portal purchases.

  • 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.

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.
Compare A Card
Edit Card Options
Compare Cards
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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