This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

If you enjoy earning travel rewards points, Chase Ultimate Rewards is one of the top options. With the right Chase credit card combo, you can pool your points together for some great perks. You can even make the rewards points earned from no annual fee credit cards worth more too. There’s no magic involved (although it might seem like a magic trick) to maximize your personal or business credit card spending. You only have to use Chase credit cards that earn Ultimate Rewards points.

Chase Credit Card Combo for Personal Spending

For frequent travelers, your top option will be owning the Chase Sapphire Reserve® and the Chase Freedom Unlimited®.

The Sapphire Reserve earns 3x points on dining purchases. You can also earn 3X points on travel immediately after earning your $300 travel credit ($300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year).

All non-bonus spending should be put on the Freedom Unlimited. Cardholders earn unlimited:

  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 1.5% cash back on all other purchases

There is no annual fee with the Chase Freedom Unlimited.

Also, new Chase Freedom Unlimited® cardholders can earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.

When you redeem your points for award travel, transfer your Freedom Unlimited points to your Sapphire Reserve account. Doing so makes each point worth more and/or eligible for 1:1 point transfers to any Ultimate Rewards travel partner.

The Sapphire Reserve’s 50% travel redemption bonus is possibly the top travel rewards redemption rate in the industry, but the real value can be in the 1:1 point transfers. By transferring your Ultimate Rewards points, they can easily be worth at least 2 cents each. That’s double the value of most credit card rewards points. It’s also why you can’t go wrong with any Chase credit card combo.

In addition to the flexible point redemption options, the Chase Sapphire Reserve also gives you the opportunity to enjoy these travel benefits:

  • $300 flexible travel credit
  • Global Entry/TSA PreCheck application fee reimbursement
  • Priority Pass Select airport lounge membership
  • Primary rental car collision damage waiver protection

Alternate Personal Chase Rewards Cards

If you don’t benefit from the lavish Sapphire Reserve travel benefits, you should definitely own the Chase Sapphire Preferred instead. The Sapphire Preferred card is the first travel credit card I recommend to new readers. The Sapphire Preferred earns 2 points on travel and dining, has a 25% travel redemption bonus, and the 1:1 point transfers. You will also only pay a $95 annual fee.

Chase also offers a second card in the Freedom family that earns 5% cash back on select rotating purchases, if you can benefit from the select categories. The Chase Freedom Flex℠ earns 5% back on the first $1,500 spent on rotating bonus category purchases each quarter (once activated). Cardholders also earn:

  • 5% on travel purchased through Chase Ultimate Rewards
  • 3% on dining, including takeout and delivery services
  • 3% on drugstore purchases
  • 1% on non-bonus purchases (1.5% for the Chase Freedom Unlimited)

There isn’t an annual fee.

New cardholders can earn a $200 cash bonus by spending $500 in the first 3 months.

All that matters is that you own one card each from the Chase Sapphire and Freedom families. There are two to choose from in either family, so pick the two that work for your spending and travel habits.

Chase Credit Card Combo for Business Spending

You have three different choices of Chase business credit cards:

Only the Ink Business Preferred® Credit Card has an annual fee, but it’s also the only one that offers 1:1 point transfers and a travel redemption bonus. If you travel on a regular basis for business and can justify the $95 annual fee, you will want the Ink Business Preferred.

The Ink Preferred earns 3 points on the first $150,000 in combined annual spending on these categories:

  • Travel
  • Shipping purchases
  • Internet, cable, and phone services
  • Social media and search engine advertising

All remaining purchases will earn an unlimited 1 point per dollar spent.

The most valuable point redemption option will probably be the 1:1 point transfers. But, you can also enjoy the 25% redemption bonus when you book award travel through Chase.

Additional business credit card benefits you might enjoy include:

  • Cell phone protection
  • Primary rental car collision damage waiver protection
  • No foreign transaction fee

Ink Cash vs. Ink Unlimited

Both of the Ink Cash and Unlimited cards don’t charge an annual fee, but your points are only worth 1 cent each for award travel. You will want to choose one of these to earn bonus points when your Ink Business Preferred doesn’t.

If you travel infrequently and can’t justify the Ink Preferred’s annual fee, these two cards can still be a valuable credit card combination. You will never pay an annual fee and you still earn Ultimate Rewards points that are good for cash or travel credit.

Ink Business Cash

The Chase Ink Business Cash® Credit Card lets you get up to 5% back on select business purchases on each account anniversary year.

You will get 5% back each account anniversary year (5 points per $1) on the first $25,000 combined spent on:

  • Office supply stores
  • Internet, phone, and cable services

Chase also gives you 2% back each account anniversary year (2 points per $1) on the first $25,000 in combined spending on:

  • Gas stations
  • Restaurants

All remaining purchases earn an unlimited 1% back. Not every business benefits from these bonus categories. But if you do, the 5% bonus cash is a sweet deal.

Ink Business Unlimited

The Chase Ink Business Unlimited® Credit Card is relatively straightforward as it earns 1.5x points on every dollar spent. You should have this card when you enjoy the simplicity of flat-rate rewards or don’t benefit from the tiered Chase Ink Cash bonus categories.

Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Employers can set individual spending limits for greater control and earn rewards faster with employee cards that come at no extra cost. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

Both Ink Unlimited and Ink Cash have the same additional card benefits, so your decision comes down to your points earning preference. The card that earns more points will be the most beneficial.

chase credit card combo
Johnny Jet holding Chase Ink Preferred

Mix Business and Pleasure

If you qualify for one of the Chase business cards, you can also combine your personal spending rewards points with your business purchases too. Many travelers like to keep their business and personal rewards points separate, but it is another legitimate combination.

Your Chase credit card combo can contain cards from any of these three families:

  • Freedom
  • Ink Business
  • Sapphire

By owning one of the three cards that charge an annual fee, your no annual fee cards can enjoy the travel redemption bonus and 1:1 point transfers too. You only have to choose which two cards will benefit you the most. Or, you might even pick one from each family to cover all your bases.


While many credit cards don’t let you pool rewards points, you can combine your Chase Ultimate Rewards points. Most people carry multiple credit cards so they can earn bonus purchases on every purchase. Your goal is to pick a combination that earns at least 1.5 points on every purchase.


Chase Sapphire Preferred® Card

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

0 Comments On "Which Chase Credit Card Combo Will Earn The Most Rewards?"

    Leave a Reply

    Required fields are marked *