American Express Membership Rewards Points or Chase Ultimate Rewards Points? It can be a tough decision since both rewards programs offer so much in terms of perks, benefits, and rewards. Depending on your style of travel or your everyday spend, one program will typically be better than the other, but there are times that both programs can fit the bill. The calculator on this page will allow you compare different combinations of AMEX Membership Rewards Cards and Chase Ultimate Rewards Cards to find the best combo, trifecta, quadfecta, or any other -fecta for your wallet.

You can use the Credit Card Comparison Tool if you want to mix the family of cards together or insert other credit cards into the equation.

Popular Chase Trifecta Combinations

Listed below are some of the more popular 3-card combinations of Chase Ultimate Rewards and Chase Cash Back credit cards.

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.

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.

Popular AMEX Trifecta Combinations

Listed below are some of the recommended AMEX Trifectas for those trying to maximize their points.

AMEX Trifecta 1

Cards: AMEX Platinum Card, AMEX Gold Card, Blue Business Plus

This is one of the original combinations for those who want luxury travel perks offered by the AMEX Platinum Card while also wanting to earn lots of points on everyday spend across dining and supermarket with the AMEX Gold Card. The Blue Business Plus backs up the AMEX Gold Card by offering 2x on all other purchases (on up to $50,000 per year).

AMEX Trifecta 2

Cards: AMEX Platinum Card, AMEX Green Card, Everyday Preferred

If you're not one for picking up the Blue Business Plus Card from the previous trifecta, this trifecta may fit more of the bill. The Platinum Card will supply you with the luxury travel perks while the Everday Preferred will offer a great return on supermarket, gas, and non-category purchases when you reach the 30 transactions per statement goal. The AMEX Green can be added if you want to add the 3x bonus categories of travel, transit, and dining to the mix.

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.
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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.
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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.
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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.
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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.
Sign Up For Free | Rakuten Review
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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