Best Combination of Chase Ultimate Rewards Credit Cards to Own and Chase Rules

Chase has their best line up of their Ultimate Rewards Credit Cards. If you are a starter to Chase Credit Cards, then follow this process to maximize their rewards.

Best 3 Combination Chase Ultimate Rewards Cards

1. Apply for Chase Sapphire Reserve or  Chase Sapphire Preferred, with Chase Sapphire Preferred having a higher sign-up bonus, it makes sense apply for Preferred first. On Sapphire Preferred you get the 60,000 bonus points. But if you want to enjoy travel benefits and trying to take benefit of their Priority Pass and Global Entry credits, then it totally makes sense to get the Reserve instead or upgrade to Reserve in 12 months. The $300 travel credit and higher rewards and redemption on Reserve easily pay off over the period. With priority pass, you can enjoy access to lounges at the airport. Reserve has better travel insurance benefits too.  Despite all of the benefits, if you travel light, you can get Preferred and upgrade to Reserve after 12 months of having the preferred. It’s a good way to start getting the UR points.
2. Apply for Chase Freedom Unlimited, if you feel you spend more than $10,000 per annum then again its no brainer to have a Chase Freedom Unlimited.
3. Apply for Chase Freedom, this is their traditional Ultimate Rewards Card been there for a long time. One of their popular and most should have it. Get 5% bonus points from their Quarterly Rewards category.

Chase Trifecta Cards

See this simple calculation on how much you can earn if you have these three cards in place.

You can combine the UR points collected from all these cards during redemption. Chase Sapphire Preferred provides you 1.2X on travel redemption. Chase Sapphire Reserve provides you 1.5X travel redemption and also lets you transfer to Airline and Hotel Partners.

Whenever you have a long term travel need, upgrade your Chase Sapphire Preferred to Reserve, check by calling Chase. So that you can take advantage of their travel benefits.

Always ensure you transfer points from Chase Freedom or Freedom Unlimited to CSP or CSR to maximize their rewards redemption.

Family Members Best Combination

If you are a family and want to decide which Chase Cards to own, the below combination would benefit from maximum UR points.

One Chase Sapphire Reserve

One Chase Freedom Unlimited

You can have two or more Chase Freedom Cards, to benefit from their Quarterly Bonus categories, if you feel you are hitting their $1500 spend limits on those categories. It’s possible that Sapphire cards can be converted to Chase Freedom at any time later.

Chase Rules for Applying for their Credit Cards

Please note some of the Chase Rules before applying for any of their UR Credit Cards.

1. Chase 5/24 Rule
2. Only One Sign-Up Bonus – Cannot get both Chase Sapphire Preferred and Chase Sapphire Reserve Bonus
3. Can I Apply Chase Sapphire Preferred and Chase Sapphire Reserve? No, only one Card eligible Now.
4. Can You Own the Chase Sapphire Preferred & Sapphire Reserve at the Same Time? No, So now What Options I have
5. Can I have more than one same Freedom Card? Some say after a year they can apply.
6. Chase 1/30 Rule – you can only have two applications every 30 days
7. Applying for more than 2 or 3 cards in the last 6 months can cause a denial.

Other reasons for denial

1. Too many accounts open or too much credit. Can be rectified by exchanging the credit limits. It might require calling the reconsideration department.
2. Applying for too many cards too frequently.
3.  Very high credit usage

Chase Ultimate Rewards Credit Cards