What is Chase Trifecta? Credit Card with Double Rewards!

If you’re someone who loves earning travel rewards, cashback, or just squeezing the most value from every dollar you spend, you may have heard of the Chase Trifecta. 

But what is Chase Trifecta, and why is it considered a powerful tool in the world of credit card rewards? Let’s break it down and explore how it works, what cards are involved, and how much value you can truly unlock.

What is Chase Trifecta?

In short, the Chase Trifecta is a strategic combination of three specific Chase credit cards designed to maximize your points earning and boost redemption value, especially when it comes to travel. 

The Chase Trifecta combines three Chase credit cards that earn Chase Ultimate Rewards points. These points are the core of the strategy because they are flexible, you can transfer them between cards and redeem them for travel, gift cards, or even cashback.

The trifecta generally includes:

1. A card with rotating or fixed high bonus categories.

2. A card that gives at least 1.5% back on all purchases.

3. A premium card that boosts redemption value when booking travel.

This setup not only allows you to earn more points per dollar spent, but also lets you redeem those points for more value, especially on travel purchases made through the Chase portal.

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The Ideal Chase Trifecta 

While there are several possible combinations, the most popular and effective Chase Trifecta includes:

This setup allows you to earn multiple times the rewards you'd get using just one card, and lets you redeem them at up to 1.5x value.

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Earn with the Chase Trifecta

Let’s take a look at a real-world example based on typical annual spending and reward rates of the Chase Trifecta, as shown in the table below:

With 29,000 Ultimate Rewards points, here’s what you could get:

- $290 in cash

- $362.50 in travel value (with Sapphire Preferred at 1.25x)

- $435 in travel value (with Sapphire Reserve at 1.5x)

That’s an effective reward rate of up to 15% on certain spending categories, far more than the average 1.5% you’d get from using just one credit card.

Conclusion

If you're serious about travel rewards and want to double (or triple) your return on spending, the Chase Trifecta is one of the best strategies available. By using the right combination of cards, you can:

1. Earn more points on your everyday purchases.

2. Redeem those points for more value.

3. Build a flexible, high-reward credit card ecosystem.

Sure, there are annual fees to consider, especially on the Sapphire Reserve, but the benefits and rewards can easily outweigh the cost for frequent travelers or smart spenders.

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FAQ

What is Chase Trifecta?

The Chase Trifecta is a strategy that involves using three Chase credit cards to maximize earning and redemption of Ultimate Rewards points.

Which cards are in the Chase Trifecta?

The most common trio includes Chase Freedom Flex, Chase Freedom Unlimited, and Chase Sapphire Reserve.

Can I combine points from multiple Chase cards?

Yes. You can transfer and combine points between your own cards and even with household members.

Do I have to pay annual fees for all three cards?

No. Only the Sapphire Reserve has a high annual fee ($550). The Freedom cards have no annual fee.

How do I get the most value from my points?

Transfer all your points to the Chase Sapphire Reserve and redeem through the Chase travel portal for 1.5x value.

Is the Chase Trifecta good for beginners?

Yes, especially if you travel often or want to get the most out of your credit card spending. The Freedom cards are easy to manage and offer great value even on their own.