also contributed to this story July 12, 2026 • 12 min read Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. One of the easiest ways to earn more Chase Ultimate Rewards points is by pairing three complementary Chase cards — a strategy commonly known as the Chase Trifecta.
By using different cards for different spending categories and combining your rewards into a single Ultimate Rewards balance, you can earn more points on everyday purchases and redeem them for high-value travel.
The strategy is even more compelling right now thanks to elevated welcome offers on several Chase cards, including the Chase Sapphire Preferred® Card (see rates and fees ), Chase Sapphire Reserve for Business℠ (see rates and fees ) and select Ink Business cards .
While there are several ways to build a Chase Trifecta, the right combination depends on your travel and spending habits and whether you're eligible for a business credit card .
Limited-time offer on the Chase Sapphire Preferred : Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Here's how the strategy works — and how to choose the best three-card setup for you.
The Chase Trifecta is a combination of three of Chase's rewards-earning credit cards that help you maximize your earnings through spending.
Despite some of these cards earning cash back, you can convert cash back to points because all of these trifecta options include an Ultimate Rewards points-earning card.
To maximize the value of your rewards, we recommend converting all your rewards to Ultimate Rewards points, as TPG's July 2026 valuations peg them at 2.05 cents apiece.
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The Chase Trifecta generally consists of three cards:
Note that you can also pair a Sapphire card with two Freedom cards if you don't qualify for or want a business card.
Welcome offer : Earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
This welcome offer is worth $2,050 based on TPG's valuations.
This card earns 4 points per dollar spent on flights and hotels booked directly, plus 3 points per dollar spent on dining (including takeout and delivery).
Its hefty $795 annual fee is offset by its $300 annual travel credit and up to $500 in annual The Edit hotel credits (up to $250 per transaction; when booking a two-night minimum stay). Other credits and perks, like a Priority Pass Select membership and access to Chase's growing network of Sapphire lounges , more than make up for the steep annual fee.
You can transfer you…