The Ultimate Chase Ultimate Rewards Triple Card Combo 0

Credit cards

No man is an Island as the saying goes, and the same is true for credit cards. While many cards like the Chase Sapphire Preferred Card are awesome as a standalone product, developing a strategy combining the strengths of several cards you end up with the whole being much greater than the sum of the parts. The ideal double Chase Ultimate Rewards Combo is the Chase Sapphire Reserve Card and the Chase Freedom Card, while if you are small business owner, then you can throw the Ink Business Preferred Credit Card into the mix for the ultimate Chase Ultimate Rewards Triple credit card Combination.

Ultimate Rewards Flexibility

Of the big strengths of Chase Ultimate Rewards is the ability to combine points earned form various cards into one account. This is beside the great redemption options through the Chase travel portal and the ability to transfer points to travel partners. Ultimate Rewards points earned from the following consumer cards can be combined:

  • Chase Sapphire Reserve Card
  • Chase Sapphire Preferred Card
  • Chase Freedom Card
  • Chase Freedom Unlimited℠

If you are a small business owner and hold one of Chase’s business cards, you can also combine points earned form your business spending with those earned from your normal spending.  Ultimate Rewards points earned from the following consumer cards can also be combined:

  • Ink Business Preferred℠ Credit Card
  • Ink Business Cash℠ Credit Card
  • Ink Business Unlimited℠

If you are wondering how you can combine points from Chase Freedom Card and the Chase Freedom Unlimited℠ cards into one Ultimate Rewards points account (since they earn Cashback, not points). The answer is pretty simple; Chase lets you turn cashback from these cards into Ultimate Rewards points if you hold the Chase Sapphire Reserve Card. cashback converts to points at a ratio of 1 point per cent, so for each dollar of cashback your convert you would earn 100 Ultimate Rewards points.

Card Overviews

Chase Sapphire Reserve Card


  • 50,000 Chase Ultimate Rewards points after spending $4,000 in the first three months of card membership
  • A $300 annual travel credit to cover travel purchases made with your card
  • Earn 3X points on travel after earning your $300 travel credit
  • Earn 3X points for dining at restaurants
  • Earn 1X on all other purchases
  • Airport lounge access with Priority Pass Select membership
  • $100 statement credit towards Global Entry or TSA Pre✓
  • 0% foreign transaction fees
  • Industry-leading insurance benefits

Read our comprehensive review of the Chase Sapphire Reserve® Card

Chase Freedom Card


  • $150 bonus, after spending $500 in the first 3 months of card membership
  • $0 annual fee
  • Earn 5% cash back each quarter in purchases at specific bonus categories; cashback is limited to the first $1,500 of purchases
  • Earn unlimited 1% cashback on all other purchases
  • Convert the cashback you earn into Chase Ultimate Rewards (requires holding a fee-paying Chase Ultimate Rewards cards)
  • 0% APR for the first 15 months of card membership
  • After 15 months a variable APR between 74% and 25.49%

Bonus categories vary by year although in 2018 categories included telephone service, grocery stores, gas stations, Chase Pay, Mobile Wallet payment, Lyft, Wholesale Clubs, and more.

Read our comprehensive review of The Chase Freedom Card 

Ink Business Preferred℠ Credit Card


  • 3X points per dollar (on your first $150,000) on common business expenses
  • 25 percent more in travel redemption when booking through Chase Ultimate Rewards
  • 1:1 point transfer with a variety of travel partners
  • No foreign transaction fees
  • Travel and purchase coverage (including trip insurance, cell phone protection, roadside dispatch and more)
  • Additional employee cards can be added to your account at no extra cost
  • Up to 100,000 bonus points earning potential for referrals
  • A $95 annual fee

Read our comprehensive review of The Ink Business Preferred℠ Credit Card

Bare Bones Math

In the first year, the numbers are very attractive; we assume that you meet the minimum spending requirements to hit your bonuses and nothing else. Although in reality, you would probably spend more on your card

Chase Freedom – Earns 45,000 Points

Spend $6,000 on rotating quarterly categories, this triggers your $150 sign up bonus and earns you a further $300 in cash back.

Ink Business Preferred– Earns 85,000 points

Assuming you spend $5,000 on non-bonus category spend, you would earn 5,000 points plus trigger the 80,000 bonus points.

Chase Sapphire Reserve – Earns 54,000 points

Again we assume that you spend the $4,000 needed to trigger the minimum bonus, on non-bonus categories. This yields 4,000 points for the spend in addition to the 50,000-point bonus.

remember combining your points into your Chase Sapphire Reserve account can yield tremendous value when exchanging points through the Chase travel portal, and hold the Chase Sapphire Reserve you can redeem your points for 1.5 cents apiece. In the first year alone, your points are worth a staggering $2,760. This is tremendous value compared to the annual fees of $545 ($450 + $95 + $0).


Pretty Picture going Forward

Going forward the situation looks excellent, putting $150,000 of common business expenses on your Ink Business Preferred Card will net you 450,000 points. Putting $3,000 of dinning (the average American spent $3,008 on dining out in 2015) on your Chase Sapphire Reserve will yield 9,000 points, and maximizing your 5% bonus category every year (5% cash back on $6,000 of spending) would yield 30,000 points from your Chase Freedom.

Credit cards
Credit and debit cards may be a good place to start to try and get your money back

At a bare minimum this works out at 489,000 points, bear in mind you will probably earn more points form other spending including 3X points for travel spending on your Chase Sapphire Reserve. redeeming your points with chase at 1.5 cents apiece gives you a yearly value of $7,335, which is simply outstanding.

Final Thoughts

While each the Chase Sapphire Reserve Card, Ink Business Preferred, and Chase Freedom Card are very solid credit cards, and arguably the Chase Sapphire Reserve is one of the best premium cards on the market, they are best when working together. As any coach will say teamwork will always beat individual effort and the same is true for Chase Ultimate Rewards points earning cards. What is your favorite combination of Chase Ultimate Rewards cards?

Leave a Reply

Your email address will not be published. Required fields are marked *