My Most Used Credit Card Combination


It’s no secret that the Chase Sapphire Preferred is my favorite card for beginner travel hackers and Ultimate Rewards are my favorite points currency. The signup bonus on the CSP is awesome, the ability to transfer points to partners like United, Southwest, Hyatt, and more, the great travel insurance, and car rental coverage, there is a lot to like! While I love this card, I love to pair it with either a Chase Freedom Flex or Chase Freedom Unlimited. Together these are my most used credit card combination.


The Chase Freedom Cards

The Chase Freedom cards are cashback cards but when you pair them with an Ultimate Reward card like the Chase Sapphire Preferred it earns Ultimate Rewards. This card comes with a signup bonus of $200 after spending $500 in 3 months (or 20,000 Ultimate Rewards). Both of the cards earn 5 points per dollar spent in the Chase Travel Portal and 3 points on dining and at drugstores.

Here is where they differentiate. The Chase Freedom Unlimited earns 1.5 points back on all purchases while the Chase Freedom Flex earns 5 points in rotating categories each quarter. You can check out this post to learn more about how those quarterly categories work. These cards don’t allow you to transfer points to partners. You can access the travel portal with these cards but each point is worth just 1 cent, the same as if you just cash out. Whereas the Sapphire Preferred transfers to partners and each point in the travel portal is worth 1.25 cents.


Game Plan

Here is what I would recommend. First, get the Chase Sapphire Preferred. Meet the minimum spend. Then I recommend referring your spouse to their own CSP card. Next, I suggest opening a Chase Freedom Unlimited or Flex. Once you open the card make sure you spend $500 on it within the first three months to earn the signup bonus. Then I would strategically use these cards in the areas where they earn the most points (like 3x the points on online grocery orders for the CSP). I would consider getting a Chase Ink Business card, like the Ink Cash, to get even more Ulitmate Rewards.


Bottom Line

I love my Chase Freedom cards. They are a great companion to my Chase Sapphire Preferred and allow me to earn even more Ultimate Rewards. Once I earn the points I simply move them into my Sapphire Preferred account and they are ready to use for travel! Together these are my most used credit card combination.





Chase Sapphire Preferred and Freedom Unlimited Cards

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