Which Chase Credit Card Combo Will Earn The Most Rewards?

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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

Which Chase Credit Card Combo Will Earn The Most Rewards?

Chase Credit Card Combo for Personal Spending

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

The Sapphire Reserve earns 3x points on all travel and dining purchases. All non-bonus spending should be put on the Freedom Unlimited to earn an unlimited 1.5x points on every dollar spent. The 50% earning bonus can add up quickly.

When you redeem your points for award travel, transfer your Freedom Unlimited points to your Sapphire Reserve account. Doing so makes each point worth 1.5 cents (instead of 1 cent each) 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 (which is waived the first year).

Chase also offers a second card in the Freedom family that earns 5% back on select rotating purchases, if you can benefit from the select categories. The Chase Freedom earns 5% back on rotating quarterly purchase categories. You might be able to get 5% on groceries for one quarter and at gas stations in another category. All non-bonus categories will earn 1% back.

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 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 Preferred 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 lets you get up to 5% back on select business purchases.

You will get 5% back (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 (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 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.

Both the 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.

Summary

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.

Mary Renking

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Which Chase Credit Card Combo Will Earn The Most Rewards?
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About the Author

Mary Renking
Mary writes about how to book travel with award miles & points, reviews top travel credit cards, and basic rewards news.

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