Chase Trifecta Ultimate Guide (July 2025)
Maximize the Chase Trifecta in 2025: Earn 7,000+ Ultimate Rewards Points Monthly
The Chase Trifecta is one of the most powerful point-earning setups in 2025—especially when you optimize it the right way. I’ve used it to earn 7,000–8,000 Ultimate Rewards points every month—here’s how to replicate the strategy for yourself.
The beauty of this system is that all three cards feed into the Chase Ultimate Rewards program, creating a single, flexible point currency that can be transferred to premium travel partners like Hyatt, United, and Southwest.
What Is the Chase Trifecta? (2025 Guide)
The “Trifecta” is a smart combo of three Chase cards that cover nearly every spending category with elevated rewards:
- Chase Sapphire Preferred – transfer partner access, big bonus
- Chase Freedom Unlimited – 1.5x on non-bonused spend
- Chase Freedom Flex – rotating 5x categories + 3x dining/drugstores
Together, they earn between 1.5x–5x per dollar and funnel all points into a single Ultimate Rewards pool.
Chase Trifecta Welcome Bonuses (July 2025)
These are the current offers (updated July 2025):
- Sapphire Preferred: 75,000 points after $5,000 spend (worth $937+). $95 annual fee.
→ Details here - Freedom Unlimited: 20,000 points (redeemable as $200 cash back) after $500 spend. No annual fee.
→ Details here - Freedom Flex: 20,000 points (redeemable as $200 cash back) after $500 spend. No annual fee.
→ Details here
How to Build Your Chase Trifecta (Card Order)
Chase’s 5/24 rule matters—so get them in this order:
- Sapphire Preferred (CSP) – for bonus and transfer partner access
- Freedom Unlimited (CFU) – base spend booster
- Freedom Flex (CFF) – plug rotating categories
Earning Rates by Card (CSP, CFU, CFF)
| Card | Category | Points per $ |
|---|---|---|
| CSP | Chase Travel portal | 5x |
| Dining | 3x | |
| Travel | 2x | |
| Everything else | 1x | |
| CFU | Chase Travel portal | 5x |
| Dining, drugstores | 3x | |
| Everything else | 1.5x | |
| CFF | Quarterly 5x categories (up to $1,500/qtr) | 5x |
| Chase Travel portal | 5x | |
| Dining, drugstores | 3x | |
| Everything else | 1x |
How Many Points Can You Earn Monthly?
Typical U.S. household spending breakdown:
- Dining: $600 → 1,800 points (3x)
- Groceries: $800 → 1,200–4,000 points (1.5x–5x depending on quarter)
- Travel: $300 → 600–1,500 points (2x–5x)
- General: $2,000 → 3,000 points (1.5x)
Total range: ~6,600 to 10,300 points/month
That’s 80,000–120,000+ points/year.
That’s why many power users call the Chase Trifecta the most consistent way to earn Ultimate Rewards points in 2025.
Best Chase Travel Transfer Partners
Some of our favorite redemptions from Ultimate Rewards:
- Hyatt: 12–20K per night at luxury properties
- United: 25–30K for roundtrip domestic flights
- Southwest: ~12K one-way (great if you have the Companion Pass)
💡 Use our Redemption Value Calculator to check if your transfer is worth it. Very quick and easy to evaluate if you’re getting a good deal!
Q3 2025 Chase Freedom Flex Categories (Current)
July-September 2025:
- Instacart (grocery & retail purchases through the app)
- Select live entertainment (concerts, sporting events, museums, zoos, theme parks, etc.)
- Instacart (grocery & retail purchases through the app)
Earning potential: Up to 7,500 bonus points this quarter depending on spend ($75-150 in travel value).
Remember to activate by September 30th!
Mistakes That Kill Point Value
Avoid these:
- ❌ Not activating 5x categories quarterly
- ❌ Transferring to low-value partners
- ❌ Breaking 5/24 or applying too soon
- ❌ Keeping points stranded on Freedom cards without a Sapphire
Who Should Use the Chase Trifecta?
Ideal for:
- Credit score 700+
- $50K+ income
- Travel redemptions over cash back
- Organized spending patterns
⚠️ Not ideal if:
- You carry credit card balances (APR wipes out value)
- You rarely travel or prefer cashback simplicity
Final Thoughts: Is the Trifecta Worth It in 2025?
Absolutely. The Chase Trifecta remains one of the most flexible, cost-effective travel strategies. With 1.5x–5x earning on nearly all spend and full transfer access, it’s a foundational setup for point optimizers in 2025.
🎯 Ready to get started?
Use the links above or try our Top Card recommendation tool to match with your best card today.
📊 Want to plan your categories or track your next bonus?
Check out our Smart-Spend Tracker.
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