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Outside of collecting big signup bonuses, earning the maximum number of points for every purchase should be the goal for points and miles enthusiasts. However, with so many credit cards available — each with different earning rates and benefits — it’s easy to overcomplicate the process. But if you have the right Chase credit card combination, you can keep it simple and stack valuable rewards quickly.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
Here are some of the best Chase credit card combinations to help grow your Ultimate Rewards balance in a flash.
Page Contents
How to Build the Best Chase Credit Card Combination
Chase currently offers three cards that earn Ultimate Rewards directly on all eligible purchases:
- Chase Sapphire Reserve® (Rates & Fees)
- Chase Sapphire Preferred® Card (Rates & Fees)
- Ink Business Preferred® Credit Card
In addition, the following cards earn cash back, which you can combine with your Ultimate Rewards balance if you have one of the cards above. And, best of all, none of these cards have an annual fee:
- Chase Freedom Unlimited® (Rates & Fees)
- Chase Freedom Flex℠
- Ink Business Cash® Credit Card (Rates & Fees)
- Ink Business Unlimited® Credit Card (Rates & Fees)
Choosing a few of these cards to maximize point-earning rates on your purchases is an easy way to quickly earn Ultimate Rewards points. However, you must hold either the Sapphire Reserve, Sapphire Preferred, or Ink Preferred to earn Ultimate Rewards that you can redeem with Chase's transfer partners. Otherwise, you will earn cash back instead of points, which you can only redeem less valuable ways.
The Best 2-Card Chase Credit Card Combination
If you desire a simple rewards strategy to minimize the number of cards in your wallet, we recommend combining the Sapphire Reserve with the Freedom Unlimited.
Even before new cardmember offers and temporary promotions, the Freedom Unlimited‘s base earning rate is 5% on travel purchased through Chase Travel℠, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases, making it one of the most rewarding cards available for everyday spending.
By comparison, the Sapphire Reserve offers 4x points on eligible travel and 3x points on dining, has an annual $300 travel credit, elevated redemption rate of up to 2¢ per point when booking through the Chase Travel℠ Portal, complimentary access to Chase Sapphire Lounges, credit to reimburse your application fee for Global Entry or TSA PreCheck, and charges no foreign transaction fees.
With this two-card pairing, you have access to outstanding travel benefits and the ability to transfer points to partners — while only needing two cards in your wallet. The Sapphire Reserve has an annual fee of $795, while the Freedom Unlimited has no annual fee.
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
Maximizing your earnings
Make sure to use your Sapphire Reserve for dining and eligible travel purchases to earn 3x and 4x points per $1 spent (or up to 8x if booking travel in Chase's portal). Utilize your Freedom Unlimited for drugstore purchases (3x) and all other purchases (minimum 1.5x). Then, you can combine the rewards online to have all Ultimate Rewards points rather than a mix of points and cash back.
Keep in mind that you'll want to use your Sapphire Reserve for any foreign transactions as the Freedom Unlimited has foreign transaction fees.
Note: If you’re new to earning points and miles or don’t think you’ll take full advantage of the travel benefits associated with the Sapphire Reserve, you can replace it with the Sapphire Preferred, which comes with a lower annual fee of $95. The Sapphire Preferred earns 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
The Best 3-Card Chase Credit Card Combination
By adding the Freedom Flex to go with the Sapphire Reserve and Freedom Unlimited, you can take advantage of rotating quarterly 5% category bonuses. These elevated earning rates apply to the first $1,500 in combined eligible purchases each quarter — making this one of the best Chase credit card combinations out there if you want to earn a lot of points.
Better yet, the Freedom Flex has no annual fee, so it won't cost you anything to add this card to your wallet.
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
Maximizing your earnings
Use your Freedom Flex on purchases covered by a quarterly category bonus (5x), your Sapphire Reserve for dining (3x) and travel (4x–8x, depending on what and where you book), and your Freedom Unlimited for drugstore purchases (3x) as well as all other purchases (1.5x).
The Best 4- or 5-Card Chase Credit Card Combination
To take advantage of a four- or five-card strategy, you’ll need to add a Chase Ink-branded business card to your rewards arsenal. And you can round out your Chase credit card combination with one (or multiple) of the products below:
- The Ink Preferred earns 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year, in addition to offering cell phone insurance covering up to $1,000 per claim. You'll have to pay your credit card bill with this card in order to use this benefit. This card also has access to transfer partners, while the cards below don't (unless you have an eligible card to pair it with).
- The Ink Cash earns 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year. Points earned on Ink Cash can be transferred to the Ink Preferred, Sapphire Reserve, or Sapphire Preferred for transfer partner redemptions.
- The Ink Unlimited earns a flat 1.5% (1.5x points) on all purchases. There's no limit on the amount of cashback or points you can earn.
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn unlimited 1.5% cash back on every purchase made for your business
While Chase also offers the Ink Business Premier® Credit Card , its cash-back earnings cannot be transferred into Ultimate Rewards.
Which Ink-branded card should you add to your Chase combination?
Our pick for the best Ultimate Rewards credit card combo is the premium Sapphire Reserve with these no-annual-fee cards: Freedom Unlimited, Freedom Flex, and Ink Cash.
Taking the combo above and adding the Ink Cash adds earnings of up to 5x at office supply stores. You'll also earn 5x on internet, cable, and phone bills. Plus, you'll earn up to 2x back at gas stations.
Maximizing your earnings
Take the logic from our previous examples and apply it to the 5x and 2x earning categories associated with the Ink Cash, as well as with the 3x earning categories on the Ink Preferred. Doing so will determine which Chase business card will earn you more points from your spending habits.
Use the table below to see which Chase card earns the highest number of points in common spending categories:
| Spending Category | Chase Card To Use | Point Earning Rate |
|---|---|---|
| Travel (purchased outside of Chase) | Sapphire Reserve | 4x |
| Dining | Sapphire Reserve / Sapphire Preferred | 3x |
| Travel (purchased via Chase) | Freedom Unlimited | 5x |
| Drugstores | Freedom Unlimited | 3x |
| All other purchases | Freedom Unlimited | 1.5x |
| Quarterly spending categories | Freedom Flex | 5x |
| Online grocery purchases | Sapphire Preferred | 3x |
| Streaming services | Sapphire Preferred | 3x |
| Office supply stores | Ink Cash | 5x |
| Internet, cable, and phone bills | Ink Cash | 5x |
| Gas stations | Ink Cash | 2x |
| Shipping | Ink Preferred | 3x |
| Advertising | Ink Preferred | 3x |
Related: 22 Different Ways To Redeem Ultimate Rewards
Be Aware of Chase's Application Restrictions
Before submitting an application for any Chase card (personal or business), you should note that there are application restrictions at play that can determine your eligibility:
- 5/24: If you’ve opened five or more new credit cards in the previous 24 months (across any card issuer), it's unlikely that you'll be approved for any Chase credit cards. While applications for Chase business cards are also subject to the 5/24 rule, the 5/24 rule does not count opening a Chase business card as one of the five cards opened in the last 24 months. If you plan on utilizing Chase cards to earn points and miles, we strongly recommend picking up all the Ultimate Rewards earning cards you can while under the 5/24 limit.
- 2/30: Chase typically won't approve you for more than two cards in 30 days, and there is a maximum approval of one business card in a 30-day period. This information isn't published anywhere. It's crowdsourced and based on the information we've gathered, along with information provided by our readers.
- Sapphire-branded cards: Chase prevents applicants who currently hold a Sapphire-branded card or have received a bonus for one in the previous 48 months from applying for another card within the namesake family of cards.
Check out our post on understanding credit card application rules and restrictions to learn more.
Final Thoughts
Sign-up bonuses should just be one part of your overall credit card strategy to earn rewards. By utilizing the combinations detailed above, you can continue to grow your balances on everyday spending. Then, when it's time to redeem, check out our posts on the best ways to use those points. We hope this post helped you find the best Chase credit card combination for your wallet.
Have a favorite Ultimate Rewards earning combo? We’d love to hear about it in the comments below.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), and Ink Business Unlimited® Credit Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Has there been a change in your “Chase Card To Use” table since it was posted in 2023? thanks
No changes to the table since publishing in August 2023. However, now that you’ve flagged this, we’re adding this post to our content review process.
I can confirm that Chase will approve you for two cards in the same week, if you stagger it. I applied for the Sapphire Preferred on Tuesday, then the Freedom Unlimited on Sunday, and got approved for both on Monday (it wasn’t an instant approval, because they had to call me and verify my identity prior to giving the cards because I have active fraud alerts due to the Equifax data breach). I have been strategically gunning for the Chase quartet, and will get the Ink Cash and the Freedom in 6 months, once I’m out of 5/24.
After that, the only card I’m still going to *Chase* is the World of Hyatt card, and then it’s on to the next objective.
I have an Amex Platinum for which the annual fee just hit. Reading this blog, I’m now wondering if I should get a CSR instead of renewing. Or combining it with an United Mileage Plus Explorer card to free up additional Saver award inventory as mentioned in another blog.
The main thing I’m going to miss if I do this are the Amex Centurion Lounges.
Depends a lot on your redemption plans and how you like to travel. We hold a Platinum Business Card for the lounge access and the elite status benefits it awards us. With two young kids and no longer traveling full-time, we don’t travel enough to earn status organically, so the lounge access and elite status benefits come in handy the few times a year we travel internationally. It’s not a card we put a lot of spend on as other cards have much better bonus categories that fit our spending patterns, but we hold it for the perks. You need to weigh up the cost of holding the card vs. how much value you get from the card benefits.
trying to decide if I want to renew my reserve…. without the bonus, tough decision
Great article! Thanks for all the tips!
I have an old Chase Sapphire card from 2005. I believe it’s pre-Reserve, etc. I have two questions. First, is there any way to know if I would be approved for a Sapphire Reserve if I have good credit with only one new card opened in last two years? Secondly, if so, will my current points be transferable to a Sapphire Reserve or do I need to open one of the other new cards mentioned above?
There is no way to 100% know. That said, based on the information you’ve provided, with a solid credit score (700+) and income, I think you stand a good chance. Yes, your points can be combined.
Thank you much!
I have the CSR and a small business Chase Ink. If I could pick up one or two more cards right now, should I get the Chase Fredom/Freedom Unlimited or go to the Ink Preferred
It all depends on how you spend. I’d probably get either an Ink Unlimited or a Freedom Unlimited and an Ink Cash.
Had decided to use this strategy a few days ago. I have the CFU for 5x, the CIC for 5x internet cable and phone then the CFU for 1.5 all other. Still trying to decide which Sapphire though. Any ideas?
And would be nice to have something better than 1.5 for groceries.
I currently have the CSR, and the Marriott Premier Plus. Is there any reason to keep my Amex SPG card now that Marriott has taken over? By the way, we are very disappointed in what Marriott has done to the SPG program! Yes they trippled your existing SPG points, but also raised the number of points required by 3.30%.
Free night on the card each year?
The CSR, Freedom, and Unlimited card combination can’t be beat. UR still has the best domestic travel partners and best value.
Is it possible to PC the Slate card to a Freedom Unlimited? Right now the Slate is just gathering dust, and the FU would certainly be more useful.
Conversions are done on a case by case basis.
If I have the Chase Ink Business Plus, should I switch to the Ink Business Preferred? Will I get the 80K bonus?
*should* will depend on how you use the card. You won’t get any bonus for doing a product change. You’d need to apply and be approved for a new account.
Thanks for the info, great strategies!
Building up on the UR 5 card strategy.
I’m 4/24 as of 2/13/18. I will be 3/24 on 2/16/18 and 2/24 on 3/16/18. I have a SW personal and a SW business card. I applied for and was approved for both SW cards in October 2017. I want get to 5/24 in the next few months. Thinking CSR, Ink. I’m asking for suggestions, both personal and business Chase cards, to apply for. It seem that I read somewhere that if planned properly a person can actually get to 6/24. Maybe applying for 2 cards on the same day after I reach 4/24? All suggestions are greatly appreciated.
You can’t get to 6/24 with Chase. Full details on 5/24 are here: https://awardwallet.com/credit-cards/chase-5-24-rule/
Ok. Thanks. I though that I read somewhere that if a person is 4/24 and applied simultaneously using different browsers, it was possible to approved for both applications.
This is definitely a great credit card strategy.
I still need to pick up a Freedom Unlimited. Hoping for a preapproval.
I love the UR rewards. Great to see it’s still in the top!
Thanks for these strategies. That 5/24 rule is tough one to overcome.
Glad I read this. I am going to try the three card Chase strategy. I hope the Chase Reserve card will offer one of there 100,000 mile bonus signup again soon. Thanks!
I would not hold your breath on the Sapphire Reserve 100,000-point bonus. I would go as far to say that I don’t think it will ever come back.
I converted an old card to the Freedom, so I have two Freedoms, so I can spend $3K per quarter in bonus categories, which helps accumulate points even faster.
Another nice thing about the CSR is how broad the “travel” merchant classification is; ride-sharing, airbnb, tolls etc. all count, so it’s fairly easy to get your money’s worth out of the travel credit.
thanks for the amazingly super advice!
Great article. I especially like the 3 Card strategy. Thanks for the information.
omg! This post has made the light bulb finally go off in my head!!! yes I can now see why to have the Freedom unlimited, freedom and sapphire preferred cards..I see why I should have the reserve but cannot just wrap around the AF. But genius! But with the three cards I may just drive my husband insane with all the charges across multi cards. Any suggestions for his sanity? lol!
It is so hard to keep within the 5/24 rules to get Chase cards. There are so many opportunities that one doesn’t wish to pass on and wait two years.
Wow. Lots of points to be had!
Great research and portfolio. I need to rebalance my cards for maximum effect.
UR may be the best currency out there at the moment!
There are definitely lots of ways you can play this. While UR are awesome, I’m still a little weary of putting all my eggs in the same basket!
The CSR and two freedom cards has served me really, really well. I use the amex EDP heavily as well.
Some people think I’m nuts…but those points have been racking up!
I like the 2 card and 3 card strategies
Thanks. I’m waiting for my 5/24 time to expire so I can move forwards.
Very helpful advice thx
Great strategies, thanks for consolidating all this information. Makes it much easier to understand, and really helpful for leading newbies like me in the right direction to maximize rewards!
It always amazes me that a great number of people don’t even realise that they can earn so many benefits just by paying for products and services with a credit card.
Mr and UR and I’m good to go.
Do you think the Chase Freedom Unlimited will waive its FX fees? Would love to see this feature.
Doubtful.
I am allergic to paying annual fees so this would only work for me the first year if they have no annual fee for the first year.
You should take some allergy medication. Some cards with fees are worth every penny!
Couldn’t agree more Howie, especially when you consider that after making use of the annual travel credit, the maximum net AF on the CSR is only $150. For the myriad of benefits the card offers, that one is a no-brainer.
The 300 dollar travel credit can be triggered twice in your first year. Or rather, you can trigger it in the beginning of the first month of your 2nd year whereas the annual fee doesn’t trigger until the END of that 13th month statement.
Which means if you time it right you’re straight up getting $600 of travel credit for the $450 annual fee, and that doesn’t even count the points bonus and other benefits.
You may want to check your data on this point. I believe Chase closed this loophole. I believe you now get the $300 every card year, not calendar year. The card still makes sense if you are going to use the travel portal. 1.5 bonus on value through this portal. If you have no plans after year 1 to use the features of the card, you can always product change at the end of the first year to a CF or CFU (which carry no annual fees) and then product change back to the CSR when you wish to use the benefits. You will then pay the annual fee, but would get a new $300 travel credit and all other values as well.
Great post! Thanks for sharing.
This is a pretty solid combo. Thanks for the info.
UR points are really great. Wish I’d discovered them sooner!
This is a great strategy but it requires lot of work for little money .
I agree. I don’t like to work this hard. I think I’ll stick to the Citicards 2% cash back for now.
The biggest non category rewards are on Bank of America’s Travel Rewards and Preferred Rewards cards , if you keep a balance with Bank Of America, including Merrill Lynch. If you have $100,000, your 1.5% is increased by 75% to 2.625%,, redeemable as cash (among options). An easy and cheap way to maintain the balance needed to get the bonus is open a Merrill Edge discount online brokerage account, including an IRA.
Great article! I wish I had something like this when I was first starting out in miles and points. I look forward to future articles about the other flexible points programs.
It’s funny I haven’t used the Freedom Unlimited at all for several months now… yes it’s 2.25% if I redeem it through the CSR portal, but at this point I’d rather just put it in a 2% cashback card.
Meanwhile, let’s say you put 4000 dollars on everyday spend. If you put it on a Freedom Unlimited, that gets you 6000 points.
If at least 500 of those 4000 dollars each month falls on a Chase Freedom bonus category (or 125 dollars/quarter), you are better off using the Chase Freedom over the Freedom Unlimited. At 5% for gas this quarter, I think most commuters can hit that just this quarter.
Of course the correct answer is to have both the Freedom and the Freedom Unlimited (in addition to your premium card).
great strategy when not opening new cards!
I got the CSR first, followed by the CFU and CF as soon as I hit the minimum spend for the bonus. Should hit the CF bonus minimum this week. Next up will be the Ink Cash, and then before the wife and I travel to Europe for our honeymoon, the Ink Preferred, so that I can take advantage of its zero forex fees while piling on the minimum spend.
I dont think I travel enough to need the multiple cards.
I also have the Chase Sapphire Reserve and the Chase Freedom. I have been holding off on the Freedom Unlimited as I hope a big sign up bonus offer will be placed into the marketplace by our good friends at Chase.
Strategies are unique to each person’s spend patterns, needs, and value. Always great to discuss and weigh the options.
Definitely helps to pick up the UR cards before going over 5/24
I have the CSR and the Chase Freedom, I would like to get the Freedom Unlimited too, however I am under the 5/24 rule.
The great thing is that despite all our different needs/goals/desires, there’s almost certainly a credit card strategy that works best for all of us individually.
Nice! I’ve been looking to optimize my card situation — would love to start following this model.
Many of these cards do not provide good value.
Really? Which do you think do not provide a good value?
good advice, but maybe add the Fidelity 2% cash back card and the PFCU 5% rebate on gasoline card?
You could always add a flat 2% cash back for any strategy, but if you’re solely focused on redeeming for hotels/flights/cars, this’ll always do you for at least 2.25%. As for PFCU it is a solid product for gas
I have that same gas card and love using it!
great advice, I’ve been following this pretty much for a year and love how many ultimate rewards ive been able to rack up!
The wife & I employ a 4-card strategy. I hold the CSR, Freedom Unlimited (converted from CSP), and Ink Cash (converted from Ink Plus), while she also hods the CSR, and the Freedom (converted from CSP). This basically covers all the bases for us, ensuring we’re doing better than 1 point per $1 on essentially every dollar we spend through our Chase cards, and more often than not, 3-5 points per $1.