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The Chase Sapphire Reserve eluded me for more than a year, thanks to the 5/24 rule that pretty much prevents you from getting approved for a Chase card if you’ve opened five or more accounts in the last 24 months. However, once I was eligible for approval, I finally had what I believe to be the perfect quartet of Chase cards to help me get the most out of the Ultimate Rewards program.

Today I want to go through this magical combination to demonstrate just how lucrative it can be.

Here are four great Chase credit cards to use together in 2019:

It’s worth pointing out that these three cards are all technically billed as cash-back cards. While they are rewarding in their own right, they take on exceptional value when they’re paired with a full-fledged Ultimate Rewards credit card like the Sapphire Reserve or the Chase Sapphire Preferred Card. This is because the program lets you combine points across your accounts, allowing you to convert your cash-back points to fully transferable Ultimate Rewards points. That’s one of the main reasons this quartet of cards is so powerful.

That being said, this collection of cards may not be the right choice for everyone. TPG himself has written about his perfect Chase trifecta before, while contributor Ethan Steinberg has covered his perfect Amex trifecta and contributor Katie Genter proposed a trio of cash-back, no-annual-fee cards. It all depends on where you typically spend your money on a regular basis, how you want to redeem the points and miles you earn, and how you value the various perks provided on top travel rewards credit cards. As always, be sure to evaluate your own spending habits and redemption goals to select cards that fit your individual situation.

So how do these four cards help me maximize the Ultimate Rewards program? Here’s a rundown of my major categories of expenses:

Dining – Chase Sapphire Reserve

My wife and I love to eat out, and the Sapphire Reserve offers 3x points on these purchases. Based on TPG’s valuations, that’s a fantastic return of 6%. I’ve also found that Chase tends to be quite broad in how it defines restaurant purchases. I’ve even had bars (that serve no food) and my local private yacht club post as restaurant transactions, so this is a fantastic way to boost your earnings across a variety of merchants. In a typical month, I’d guess that we spend roughly $1,000 on dining out, which translates to $12,000 per year. This means that I’ll take home 36,000 Ultimate Rewards points during a typical year, worth $720.

Travel – Chase Sapphire Reserve

Another category that offers triple points on the Sapphire Reserve is travel, and this is also defined broadly by Chase. Here’s the official definition from the issuer’s Reward Category FAQs:

“Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.”

As you can see, this includes the typical purchases that fall under travel with most cards, like airlines, hotels and car rentals. However, it also includes tolls, paid parking and even Airbnb.

Travel is another category where my wife and I spend a decent amount of money every month, roughly $750 by my recent estimate. This translates to 27,000 points over the course of the year, worth $540.

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Telecommunications and Office Supplies – Ink Business Cash Credit Card

One of the most lucrative small business credit cards is the Ink Cash. It’s my go-to card for my monthly phone, internet and cable bills in my home office as well as purchases at office supply stores. All of these will earn 5x points on up to $25,000 in combined purchases each year. As mentioned above, the points you earn on this card are technically just redeemable for cash back, but when I transfer them to my Sapphire Reserve, they immediately become transferable to partners like Hyatt and United. As a result, I’m getting a fantastic return of 10% on these purchases.

I’ll typically spend about $400 per month on telecommunications and about $250 per month at office supply stores. This boosts my Ultimate Rewards balances by another 39,000 points each year, worth $780.

Non-Bonus Spending – Chase Freedom Unlimited

Another lucrative card from Chase is the Freedom Unlimited, which offers 3% cash back on up to $20,000 in spend your first year. After that, you’ll get uncapped 1.5% cash back on all purchases. The Freedom Unlimited is a great option for purchases that don’t fall into the typical bonus categories offered by other cards. If you can pair this card with a premium card like the Sapphire Reserve, you’re getting a 6% return on non-bonus spending for the first $20,000 in spend your first year and then a 3% return after that — for me, non-bonus spending includes my monthly utility bill, aftercare charges for my daughter’s school and my monthly Crossfit membership.

I put about $1,000 per month on this card. Since I’ve had my card for years, I can’t take advantage of the first year offer—but if I could, my monthly spending would net me 36,000 Ultimate Rewards points my first year, worth $720. Instead, my monthly spending nets me 18,000 Ultimate Rewards points every year, worth $360.

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Rotating Bonus Categories – Chase Freedom

The final card in my quartet is the Chase Freedom, a no annual fee card that offers 5x earning rates at merchants that rotate each quarter. Here’s what has been announced so far for the 2019 calendar:

In each quarter, you earn 5x points on the first $1,500 in eligible purchases in these categories, and I generally max out every one (before shifting my spending back to other, more rewarding options). This translates to 7,500 points per quarter or 30,000 points per year, worth $600.

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

It All Adds Up

Given the above spending habits, how much value do I get from these four cards? If you add up my earnings, I’m taking home roughly 150,000 Ultimate Rewards points every year. This haul is worth $3,000, and with a yearly spending of $46,800, that equates to an incredible return of 6.4%. Even when you take out the $150 effective annual fee that I’m paying on the Sapphire Reserve, it’s still 6.1%, and even that doesn’t factor in the additional perks on the Sapphire Reserve card like Priority Pass membership and primary car rental coverage. It also excludes any bonuses earned from the Ultimate Rewards shopping portal, a simple yet effective strategy for boosting your earnings even higher.

That being said, I don’t put every dollar I spend on one of these four cards. There are a couple of others that offer an even better return on purchases with certain merchants or categories:

Bottom Line

Everyone has their own thoughts on what makes up the best set of travel rewards credit cards, and you may not want to deal with the hassle of tracking multiple cards to be used in different scenarios.

However, to really make the most of your everyday purchases, it’s important to evaluate your portfolio of cards and identify the best combination to maximize your earning rates. By carrying the Chase Sapphire Reserve, Chase Freedom, Chase Freedom Unlimited and Ink Business Cash Credit Card, I firmly believe that I have the perfect combination of Ultimate Rewards credit cards in my wallet. Hopefully this post has shown you just how lucrative this quartet of cards can be!

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More Things to Know
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro APR on Purchases
0% Intro APR on Purchases for 15 months
Regular APR
17.24% - 25.99% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater
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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.