The Perfect Chase Card Trifecta
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EDITORIAL DISCLOSURE:
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
💳 The perfect TRIFECTA of credit cards exists...and I'm breaking down why this trio of cards is so powerful and all the perks you’ll want in your wallet!
With these three cards, you can earn hundreds of thousands of points with just two $95 annual fees. 🤯 It's almost too good to be true.
The cards
All three of these cards come from Chase bank and it’s a mix of business and personal cards. But don’t let the thought of business cards scare you away! Check out this article for tips on who is eligible and how to apply for these game👏🏻changing👏🏻 credit cards.
Let’s go over the most important card first…the one we often refer to on social media as “the best card for beginners.”
Chase Sapphire Preferred® Card
This card is where the magic happens. This personal credit card comes with a $95 annual fee and some basic perks like a $50 hotel credit when booking in the Chase Travel℠portal and 3x on dining. Like all the cards I recommend, you’ll also earn a welcome offer when opening this card for tens of thousands of valuable, flexible points.
Having this card also means that you’ll hold the key 🔑 to unlock the ability to transfer these points out to transfer partners (which is where you get HUGE value for your points).
Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card
👋🏼Say “hello” to my two favorite business credit cards. These cards are loved for so many reasons…but the best reason of all??
$0 annual fee. ZERO DOLLARS! 🎉
Which means that you can open one of these cards, earn tens of thousands of points for the welcome offer, and not pay a penny to hold the card. I don’t think it gets much better than that.
*As of December 2025, Chase now has restrictions on the welcome offers for these cards which means that you can only earn the welcome offer on one no annual fee Ink credit card.
Now, these cards are technically cash back cards, meaning if you only hold these cards, you would earn cash back rewards for your spending. BUT, when you combine these rewards with your Chase Sapphire Preferred® Card, you can then convert these into Ultimate Rewards and transfer them out to transfer partners!
Chase Ink Business Preferred® Credit Card
The third card in this trio is another way to unlock the ability to transfer your Ultimate Rewards® out to transfer partners.
The Chase Ink Business Preferred® also comes with a $95 annual fee, and we have seen this card with elevated offers up to 100,000 points! So watching for those elevated offers can be a key part of your strategy to get the most bang for your buck. 🤑
The process
I typically recommend starting with the Chase Sapphire Preferred first, then move on to open either one of the no annual fee business credit cards next. Then finally open the Ink Preferred.
*I would consider elevated offers when choosing which card to open first because that can change up the order in which you open these cards.
🔥Hot tip: you can also have your player 2 open these cards and combine all of your points into on Chase account. That way you can easily pool your points for bigger redemptions!
After opening all three cards, you will have well over 200,000 flexible points and you’re only paying $190 out of pocket.
And there you have it…the powerhouse trio you never knew you needed. 👌🏼💳
EDITORIAL DISCLOSURE: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
