The Chase Quadfecta!

Guides1 year ago
Picture of passport next to Chase Sapphire Preferred

What Is The Chase Quadfecta!

Chase, in my 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.


Quadfecta? What's that?

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 Cash
  • Chase Sapphire Preferred or Reserve
  • Chase Freedom Flex
  • Chase Freedom Unlimited


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

Chase Sapphire Preferred

Best for Travel

Intro offer

60,000 Points

Annual Fee


Recommended Credit


60,000 Points

Chase Sapphire Preferred.png

Chase Ink Business Cash

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

The Chase Ink Preferred has an annual fee of $95 and earns 1.5X (the same as the average rate on Freedom Unlimited rate). However, you can take advantage of special bonus spending categories with Chase Ink Cash. Those bonus categories are:

  • Internet
  • Cable
  • Phone services
  • Office supply stores

The significant benefit here is that you'll earn 5x on the categories above, and this is unheard of with any other card.


Chase Sapphire Reserve and Preferred

  • The Chase Sapphire Preferred offers a new and improved 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 2X 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 theatres, theme parks, Starbucks, local commuter transportation and many more.
  • Purchasing gift cards from pharmacies and grocery shops for various items, including gas, Uber, and numerous restaurants, is a beautiful method to optimize the 5% back.
  • You may receive 5X on those gift cards over numerous quarters because grocery stores and drugstores are in various quarters.


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 travel hacking 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 travel hacking journey!

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