What is the Chase Trifecta?

The Chase Trifecta is a strategy where you hold three Chase credit cards — typically the Sapphire Preferred®, Freedom Unlimited®, and Freedom Flex℠ — to maximize Ultimate Rewards points across different spending categories.

Why is the Sapphire Preferred essential for the Trifecta?

The Sapphire Preferred is the only card among the three that allows you to transfer points to travel partners. While Freedom cards technically earn cashback, combining them with a Sapphire Preferred unlocks full Ultimate Rewards functionality.

How do the Freedom cards complement the Sapphire Preferred?

Freedom Unlimited earns 1.5 points on non-bonused spend, while Freedom Flex offers 5x points on quarterly rotating categories. This complements the Sapphire Preferred’s focus on travel and dining.

Can I substitute one of the cards in the Trifecta?

Yes. You can swap the Sapphire Preferred for the more premium Sapphire Reserve® if you want added perks like lounge access and a $300 travel credit. You can also add Ink Business cards if you're a small business owner.

Do Chase cards have application restrictions?

Yes. Chase is known for its 5/24 rule — you may be denied if you’ve opened five or more credit cards in the past 24 months. Be sure to check your status before applying.

What are the main benefits of using the Trifecta strategy?

Using all three cards together helps you earn more points on everyday spending categories like dining, travel, groceries, drugstores, and rotating 5x bonus categories. You also gain access to valuable travel redemptions via transfer partners.