Known as the Chase Trifecta with Sapphire Reserve
Chase Sapphire Reserve + Chase Freedom Unlimited + Chase Freedom Flex
Used together, each card where it earns the most, these lose $190 a year once fees count on typical spending: $809 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
Loses $190 a year once fees count
- Earns $605 a year on the spending below; fees come to $795.
- That's $809 less than the best single card, Robinhood Gold Card ($619).
- Chase Freedom Unlimited's points count at 1.5¢ because Chase Sapphire Reserve can transfer them; on their own they'd cash out at 1¢.
- Chase Freedom Flex's points count at 1.5¢ because Chase Sapphire Reserve can transfer them; on their own they'd cash out at 1¢.
- Card credits and perks such as lounge access aren't counted. For many people they're what makes a premium card's fee worth paying.
- Chase Freedom Flex's rotating or limited-time bonuses aren't counted, since they don't last the whole year.
Rates change, so verify them with the issuer before you apply.
The cards
-
Not used on this spending
$0 a year
-
Use for groceries, gas, travel and everything else
$398 a year
-
Use for dining and drugstores
$207 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 Flex | $176 4.5% |
| Gas | $2,400 | Chase Freedom Unlimited | $54 2.25% |
| Travel | $2,500 | Chase Freedom Unlimited | $56 2.25% |
| Drugstores | $700 | Chase Freedom Flex | $32 4.5% |
| Everything else | $6,600 | Chase Freedom Unlimited | $148 2.25% |
| Total | $22,300 | $605 |