The Chase Quadfecta!

Guides2 years ago
Picture of passport next to Chase Sapphire Preferred

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Quadfecta? What's that?

Chase, in our opinion, has the best overall mix of credit cards for the average person. That is, you may earn a lot of perks from many cards while spending just a reasonable yearly charge each year.

In this post, I'll discuss how to optimize your cards to create the ultimate point-earning combination: the Chase Quadfecta.

The Chase Quadfecta is a set of four excellent Chase credit cards that:

  • Earn fantastic travel rewards in a variety of areas.
  • Have industry-leading benefits (travel and purchase protections) and accomplish this for a single annual price.

The cards that make up the Quadfecta are as follows:

  • Chase Ink Business Preferred® Credit Card
  • Chase Sapphire Preferred® Card or Chase Sapphire Reserve®
  • Chase Freedom Flex℠
  • Chase Freedom Unlimited®


Let's look at these cards individually to see the benefits first-hand.

Chase Sapphire Preferred® Card

Editor's Choice

Intro offer

60,000 Points

Annual Fee


Recommended Credit


60,000 Points

Chase Sapphire Preferred.png

Chase Ink Business Preferred® 

The Quadfecta can only be unlocked using the Chase Ink Business Preferred®. Why? Because it differs in a few ways from the alternatives.

The Chase Ink Business Preferred® has an annual fee of $95 and earns 1-3X rewards (Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn). However, you can take advantage of special bonus spending categories with Chase Ink Business Preferred® Credit Card. Those bonus categories are:

  • Internet, Cable, and phone 
  • Advertising purchases made with social media and search engines
  • Phone services
  • Travel

Chase Sapphire Reserve® and Preferred

  • The Chase Sapphire Preferred® offers a sign-up bonus of 60,000 Ultimate Rewards after spending $4,000 within the first three months.
  • This card is still one of the best starter travel cards available since it earns 2X on a variety of travel categories and 3X on dining; it also provides primary rental car insurance.
  • The alternative is the Chase Sapphire Reserve®, but because of its significantly higher annual cost, many customers first choose the preferred card before upgrading to the Reserve.


Chase Freedom Unlimited®

  • The Chase Freedom Unlimited® will earn you 1.5% cash back on all purchases.
  • This is an excellent starter card into the chase Quadfecta, with no annual fee.
  • If you use your points with the Sapphire Reserve® through the Chase Portal, that 1.5x cash back equates to about 2.25% back on all transactions, which is fantastic.


Chase Freedom Flex

  • With the Chase Freedom Flex, you may earn up to 5% in rewards up to $1,500 in each quarter on a rotating list of categories. Some of these include movie theaters, theme parks, Starbucks, local commuter transportation and many more.
  • Rewards don't expire as long as you keep the card.


The Quadfecta Break Down

If you were to have all these cards, you could be earning according to the chart below:

  • 2x/3x on restaurants
  • 2x/3x on all travel
  • 1.5x on everyday purchases
  • 5x on rotating categories that we mentioned above
  • 5x on internet, cable, phone, and office supply stores

As you can tell, the Chase line-up has some of the most potent earning potential compared to other cards. If you're looking to start your frugal travel journey, this is the place to start.


The Bottom Line

You will earn many points with the Chase Quadfecta throughout the cards' lifespan.

I'm aware that many people don't see the benefit of having numerous credit cards with annual fees, but when you consider the big picture, this line-up enables you to mix and match to ensure you can start your traveling the world!

Stay tuned for a breakdown of the Amex Trifecta, Chase's main rival.