Chase Sapphire Preferred + Chase Freedom Unlimited
Used together, each card where it earns the most, these keep $583 a year after fees on typical spending: $36 less than the best single card, Robinhood Gold Card.
- Updated October 16, 2026
- $22,300 a year of spending
- Rankings are never paid for
The combo
Keeps $583 a year after fees
- Earns $678 a year on the spending below; fees come to $95.
- That's $36 less than the best single card, Robinhood Gold Card ($619).
- Chase Freedom Unlimited's points count at 1.5¢ because Chase Sapphire Preferred can transfer them; on their own they'd cash out at 1¢.
Rates change, so verify them with the issuer before you apply.
The cards
-
Use for gas and travel
$183 a year
Card details at Chase -
Use for groceries, dining, drugstores and everything else
$495 a year
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Chase Freedom Unlimited | $140 2.25% |
| Dining | $3,900 | Chase Freedom Unlimited | $176 4.5% |
| Gas | $2,400 | Chase Sapphire Preferred | $108 4.5% |
| Travel | $2,500 | Chase Sapphire Preferred | $75 3% |
| Drugstores | $700 | Chase Freedom Unlimited | $32 4.5% |
| Everything else | $6,600 | Chase Freedom Unlimited | $148 2.25% |
| Total | $22,300 | $678 |