IT'S OVER: The Chase Trifecta Is DEAD to Me...

It’s GAME OVER for the Chase Trifecta! Learn the 5 reasons why it’s no longer my main credit card setup or strategy, what I’m doing instead, and why I’m still keeping it (yes, you read that right)! Click “Show More” to see Ad Disclosure.

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REASON 1 - Partner Benefits: I’ve gotta say, I just don’t use them. The Chase Freedom Unlimited benefits include special partnerships with DoorDash, Lyft, and Instacart. The Chase Freedom Flex has these same 3 benefits, but also adds an additional one from Lyft, plus Fandango and ShopRunner. The Chase Sapphire Preferred has similar benefits at a higher level (e.g. a longer subscription period), along with a Peloton benefit. Finally, the Chase Sapphire Reserve benefits take the ones on the Preferred to an even higher level (e.g. more Chase Ultimate Rewards points earned, more / bigger credits, etc.).

REASON 2 - Rewards Multiplier Overlap: The Chase Trifecta has a lot of rewards categories that are either identical or similar. For instance, there are overlapping categories for travel, Lyft, dining, and drug stores. While one Chase credit card might earn at a higher rate in a certain category, it’d be nice to see the cards with a more diverse rewards structure so it makes more sense to use them all together.

REASON 3 - Rewards Multipliers Aren’t Useful to Me: A lot of my monthly spend falls into categories that either Chase credit cards don’t cover, or that credit cards from other issuers do a better job at (e.g. a higher return).

REASON 4 - No Permanent Rewards for Gas, Groceries (in store), or Entertainment: For this reason, I turn to the likes of the Wyndham Rewards Earner Business card for gas (8X), the Amex Gold Card for groceries at U.S. supermarkets (4X), and the Capital One SavorOne card for entertainment (3%).

REASON 5 - Chase Freedom Unlimited 1.5X Isn’t That Competitive: There are other cash back credit cards and travel credit cards that earn 2X on all purchases, and some of those even offer access to transfer partners! That’s why I prefer to use the Capital One Venture X, Amex Blue Business Plus, or Citi Double Cash credit card to cover my spend that doesn’t fall into a specific category on a different card.

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

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