Chase credit cards are often considered some of the best credit cards available. Chase credit cards provide some of the best rewards, cash back, sign up bonuses and purchase protections available in the credit card game. Chase cards are often the first credit cards opened not only for their incredible benefits but also because of Chase’s 5/24 rule. Chase’s 5/24 is the bank will not approve any credit cards for you if you’ve opened 5 or more new cards in the last 24 months. Due to this rule is can be best to prioritize Chase creditt cards early on.
This article will go over the “Chase Trifecta” – three of Chase’s best credit cards that when paired together can be a powerful rewards earning combination. Spoiler there’s also a bonus fourth card at the end.
1. Chase Freedom Unlimited
The Freedom Unlimited Card is a simple no annual fee cash back credit card. Currently the card is offering a $200 sign up bonus after spending $500 in the first 3 months. This card will be the catch all and eating out card in the Chase Trifecta set up. The sign up bonus is paid out in the form of 20,000 Chase Ultimate Rewards Points. The card offers:
- 5% on travel purchased through the Chase Ultimate Rewards Portal
- 3% back on dining out and restaurants
- 3% back on drugstore purchases
- 1.5% back on all other purchases
The recommended credit score to be approved for this card is Good – Excellent (690-850).
The card is part of the Visa Signature network which offers:
- Zero liability protection
- Extended warranty protection
- Purchase protection
- Trip cancellation/interruption insurance
- Car rental collision damage wavier
All cash back is earned in the form of Chase Ultimate Rewards points that can redeemed 1:1 for cash or used for travel purchases. If you’re looking for a simple do it all card the Chase Freedom Unlimited is one of the best with 1.5% back on all purchases and 3% back on dining out.
Sign up for Chase Freedom Unlimited Card here
2. Chase Freedom Flex
The Freedom Flex Card is a rotating quarterly category no annual fee cash back credit card. The cards earns 5% back on the current quarters categories that changes every 3 months. Currently the card is offering a $200 sign up bonus after spending $500 in the first 3 months. This card will be the 5% rotating quarterly category card in the Chase Trifecta set up.The sign up bonus is paid out in the form of 20,000 Chase Ultimate Rewards Points. The card offers:
- 5% on travel purchased through the Chase Ultimate Rewards Portal
- 5% back on rotating quarterly categories
- 3% back on dining out and restaurants
- 3% back on drugstore purchases
- 1% back on all other purchases
The recommended credit score to be approved for this card is Good – Excellent (690-850).
Below is the quarterly category calendar for 2022. Purchases made in these categories during the 3 month period would earn 5% cash back (up to the first $1500 of purchases in the category).
The card is part of the Visa Signature network which offers:
- Zero liability protection
- Extended warranty protection
- Purchase protection
- Trip cancellation/interruption insurance
- Car rental collision damage wavier
All cash back is earned in the form of Chase Ultimate Rewards points that can redeemed 1:1 for cash or used for travel purchases. If you’re looking for a rotator quarterly category card the Chase Freedom Flex is one of the best with 5% back on quarter categories and 1% back on all other purchases.
Sign up for Chase Freedom Flex Card here
3. Chase Sapphire Preferred Card
The Sapphire Preferred Card is an entry level travel card from Chase Bank that offers a well rounded variety of rewards. Currently the card is offering a sign up bonus of 60,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. Now the Sapphire Preferred card is the secret sauce in the Chase setup. The Sapphire Preferred card allows you to transfer your Chase Ultimate Rewards points to Chase’s travel partners which is where the real credit card points value can be found. The other two cards don’t allow this and only have cash back options for Chase Ultimate Rewards points redemption. This card will be the travel, transit and transit portal card in the Chase Trifecta set up. The sign up bonus is worth $600 cash back or $750 when used for travel. The card offers:
- 5% back on travel booked through the Chase Travel Portal
- 3% back on dining out and restaurants
- 2% back on travel and transit
- 1% back on all other purchases
- Annual $50 hotel credit
The recommended credit score to be approved for this card is Good – Excellent (690-850).
The card is part of the Visa Signature network which offers:
- Extended warranty protection
- Purchase protection
- Trip cancellation/interruption insurance
- Car rental collision damage wavier
- Baggage delay insurance
- Trip delay insurance
The card does have a $95 annual fee but is well worth it with the sign up bonus, annual $50 hotel credit and broad range of rewards and purchase/travel protections. All cash back is earned in the form of Chase Ultimate Rewards points that can redeemed 1:1 for cash or redeemed at a 1:1.25 value when used for travel purchases in the Chase Travel Portal. If you’re just getting started in credit cards and are looking for one card to do it all this could be the one. If an annual fee isn’t something you want to pay the next card on the list might be a better fit.
Sign up for the Chase Sapphire Preferred Card here
4. Bonus – Chase Amazon Prime Credit Card
The Chase Amazon Prime Credit Card is the bonus card in the Chase Trifecta. This no annual fee Chase card is a must pick up for any Amazon Prime member as the card earns 5% cash back on all Amazon purchases. Currently the card is offering a $100 Amazon gift card instantly upon approval. The card offers:
- 5% cash back on all Amazon purchases
- 2% cash back at gas stations, restaurants and local transit
- 1% cash back on all other purchases
The recommended credit score to be approved for this card is Good – Excellent (690-850).
Sign up for Chase Amazon Prime Card here