That’s a great way to do it! Those 5x categories as part of the welcome offer are super helpful and the fact that you can get two of them by applying for both Freedom cards is pretty awesome! Great tip man!
I luckily got the sapphire card to complete my trifecta when they had an 80,000 points sign up bonus. Even though it has an annual fee, the card literally pays for it’s self for the next 8 years
I have Chase Freedom Flex and 2 Amex Cards. I use as a Trifecta. But , I’m thinking about getting the Sapphire in my Rotation. I use my JetBluePlus a lot as my Airliner. Great rewards on flights btw ! Your making me rethink
I have 258k UR points ! Thinking of getting the CSR for the extra redemption value ! Not a fan of that $550 AF. Also considering the Venture X to go with my Savor. Currently have almost $500 in cash back with that.
Can someone tell me why the business ink cards are better than the regular ones? ink business unlimited is identical to CFU and ink business cash is identical to CFF??
The only problem with this trifecta is that it doesn’t permanently cover my biggest spend area groceries and gas. Until them it’s hard to recommend a Chase only setup. Dining only 3x on all the cards. Too much overlap. This is my core set up: plat - flights, gold - groceries and food, US Bank AR - Catch all with Apple Pay, BBP - Catch all, Custom cash - gas, WF Autograph - Transit.
For some people! I am a LOW low spender, and when I fly it's with budget airlines that cost a third as much as delta, American, etc., so I end up much better off with citi custom cash for 5x on grocery, penfed platinum rewards for 5x back on gas, and citi doublecash for 2x back on all else, with no annual fees since my total monthly spending is only $500 anyways
That's great! A solid cash back setup is never a bad thing. That's why I like that Chase points can be used not only for a ton of value with transfer partners, but also at a good rate for cash back too.
Not very good for international flights, good for Hyatt, 1.5x on unlimited is a little weak, I don’t use the travel portal so 1.25/1.5 boost is useless to me
honestly i believe the capital one duo is better because of the grocery coverage on the savor one and the same 3x on dining as chase and the venture X has 2x points per dollar compared to the freedom unlimited 1.5x. The only part where i see chase win is the redeeming points for cashback.
You can redeem it for cash on capital one too. The only part chase wins in my eyes is that it has Hyatt, MGM and IGH as partners which you can use to redeem. Capital one doesn’t have as good of hotel partners
In Texas we have heb as our grocery store which allows us to order online for curbside. The CSP gets 3x on online groceries so that works out well for us.
Awesome, yah my Chase trifecta is CSP, Flex, Ink Cash. I use Amex Blue Business Plus for my 2x catch all. No annual fee, MR preservation (when closing out gold and plat cards), travel partner acccess, amex offers, extended warranty, purchase protection, no 5/24 hit, no hard pull, etc.. (This is the only Amex card I plan on keeping forever.)
I got the Amazon instead of the sapphire cause I do shop at Amazon and Whole Foods a lot and sometimes they do a bonus multiplier for some months on some categories like gas
It depends on what you mean by hassle. Without knowing your setup and situation I couldn't say for sure, but if you're someone who would use the 5x rotating quarterly categories and would combine the points on an annual fee Chase card and transfer to travel partners to get the most value, it could be a really profitable card for sure. Even at a 2 cent/point valuation, you'd effectively be earning 10x in each of the rotating categories on top of the other earning rates it gets. Not to mention the bonus on it is the best in the game for a beginner card. Like I said though, it all depends on your goals with your setup.
Would you recommend an AMEX gold card over applying for these 3? I am looking to step up my credit card game and have a few basic cards with no annual fee right now. Could you apply for all three Chase cards at the same time?
You can definitely apply for the Gold card if you are going to use the credits on it to minimize the effective annual fee and want to use your credit card points for travel. The Gold card is one that gets a lot of hype (for good reason) but you need to make sure you'll get positive value from it before you apply. Also, I wouldn't apply for all 3 Chase cards on the same day by any meas. I'd personally leave a month at least between each application but that's just me.
Wait so would it be dumb to acquire Chase Freedom Flex if you already have Unlimited? I guess I missed an opportunity to take advantage of the trifecta lol.
I’m new into this credit thing and I got offered all 3 of them on my chase banking out which one should I start out with being a 21 year old limited credit history
Would you suggest getting the preferred for 80K welcome bonus or the Amex platinum for the 150k plus $200 one time statement credit welcome bonus I was targeted for? I'm hesitant about that $695 annual fee
Technically the Platinum bonus is the better choice. However, you have to make sure you'll get positive value from the credits on the card before applying for it. Amex does have a once in a lifetime welcome offer rule though, so if the Platinum is a card you'll get a lot of value from, now is the best time to apply. The CSP bonus is excellent too, however, Chase doesn't have that once in a lifetime language so you could always get multiple CSP bonuses over the years to come. Just make sure that you get the card that makes the most sense for you!
How's this better than having a bunch of $0 annual fee, 4 and 5% cash back cards, using it on travel, or whatever? Are the points with fees really better?
It's not that you earn higher multipliers all the time with annual fee cards, but the higher annual fee cards unlock the ability to transfer your points out to travel partners, effectively at least doubling the value of your points if you redeem them in that way. For those that like to use their points for travel, that means every earning multiplier these cards give you can be multiplied by at least 2 to give you the true value of them once you redeem. Hopefully that makes sense!
@@SpencerJohnsonOfficial At least 2x? Never heard that claim before. Sure about that? Seems to me 5% is better than any points card, even if you don't take their annual fees into consideration. Factor in the annual fee and the 5% cash back card is even much better. A 4% cash back card is usually better or a lot better. Factor in the annual fee on points cards and the 4% cash back card is always better. Am I wrong? With cash back cards, you don't need transfer partners. Everybody accepts cash.
@@RedRider1600 Cash back setups are great for some people! They're more simple and easy to use, but if you take the time to learn how to use travel points effectively, getting 2x the value is generally a conservative estimation. For example, if you have a card like the Citi Custom Cash that gives you 5x in one category, that's 5% cash back. If you then get the Citi Premier card with a $95 annual fee, use the $100 hotel credit a year, you'll get paid $5 a year to hold it... then if you transfer every point you earned in those 5x categories to the Citi Premier card and transfer them out to travel partners, even if you just do a little research you'll get at least 2x the value from your points. That means you're now getting AT LEAST 10% back on every purchase on that card, plus getting paid $5 a year to keep the card open if you use just the one credit on it. As I said, cash back setups are great for certain people, but if you want to learn how to get the most value from your points, cash back cards will always lose that battle. It just depends on if you're willing to spend a bit of extra time to transfer your points out to partners.
That’s awesome! The Freedom Flex is a nice supplemental card for those rotating 5x categories. I’m definitely a fan, but I get the most use out of my CFU and then use the CSP to transfer out to travel partners mainly (plus for streaming services and misc travel).
It depends on your goals! If you need a catch-all card then the CFU would be better, but if you want the 5x rotating categories the CFF is better. I say why not both? I did make a video comparing the two cards if you're interested.
I think CFU is better than CFF if u had to choose one. From my experience, if u dnt spend much or at all in the category its currently on, its a waste. If u had CFU, ud get 1.5x instead of the 1x
That could be a decent setup too depending on what you're going for. If you're on team travel, the CSP and Bilt cards are both pretty solid, but the double cash requires you to add the Citi Premier if you want to transfer out to travel partners instead of just using their portal if that's something you want to do. Like I said though, it depends on your goals.
If you product change to the freedom flex, you’ll lost the ability to get the welcome bonus. I would recommend you apply fresh for it to lock in that free 20k chase points, but if you’re already not eligible for the SUB on it for some reason, you could product change to it instead. Just get that SUB if you can!
You wouldn’t be able to product change into a business card, but you could always apply fresh for the Ink cards if you wanted some high SUBs! I’m personally a fan of adding all the no annual fee cards you can (especially with Chase) for even just the SUBs, but that may not fit your strategy.
My opinion is if you don’t already have a card giving you at least 1.5x on every purchase, get the Unlimited. If you already have a card like that then maybe you’d get more value from the rotating categories on the Flex, but the Unlimited is my top choice between those two for sure.
@@SpencerJohnsonOfficial Thanks! I only have one other credit card (BofA). It had no rewards/points because I opted for a basic card just to improve my credit. I didn’t want any type of temptation and spend just for the sake of spending. But I’ve gotten a grasp on using CC’s responsibly over the last year. So I’m ready to level up a bit (and increase my credit score even more) 😁
That’s awesome to hear! You’re doing it the right way, that’s for sure. I know Chase can be kinda stingy with people brand new to credit, but hopefully your credit history will get you in the door! In your case, I’d definitely go with the Chase freedom unlimited. And if you need a referral link, check the description!! That’ll really help the channel if you decide to go through with it.
@@SpencerJohnsonOfficial I have a freedom flex and I’m debating on completing the trifecta but also thinking about getting an Amex gold just not sure which route to go through (I would make use of the credits to effectively make the fee $10)
@@skyllerkyller Why not all of them? My recommendation is to always start with all the Chase cards that make sense for you, then move to other lenders. If you're well under 5/24, it wouldn't hurt to add the Amex Gold while also adding Chase cards, but you have to be cognizant of those things.
@@rashodm7129 Well technically 1 card $10 effective annual fee, 3 cards $45 effective annual fee. Not as simple as it looks, but I know what it appears like on the surface. I have all 4 cards and get positive value from all of them so it just depends on how you use them.
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Fun tip once my first year 5x grocery bonus ended on the flex I waited till the unlimited offered 5x on groceries and picked it up then.
That’s a great way to do it! Those 5x categories as part of the welcome offer are super helpful and the fact that you can get two of them by applying for both Freedom cards is pretty awesome! Great tip man!
I might do it too. And if they don't offer the 5x next fall, I might get citi premier instead.
I luckily got the sapphire card to complete my trifecta when they had an 80,000 points sign up bonus. Even though it has an annual fee, the card literally pays for it’s self for the next 8 years
Exactly right! Congrats on the new card!
I have Chase Freedom Flex and 2 Amex Cards. I use as a Trifecta. But , I’m thinking about getting the Sapphire in my Rotation. I use my JetBluePlus a lot as my Airliner. Great rewards on flights btw ! Your making me rethink
My brain hurts. I think I'll get a credit card tomorrow.
I have 258k UR points ! Thinking of getting the CSR for the extra redemption value ! Not a fan of that $550 AF.
Also considering the Venture X to go with my Savor. Currently have almost $500 in cash back with that.
I'll keep using my Capital One venture card.
Can someone tell me why the business ink cards are better than the regular ones? ink business unlimited is identical to CFU and ink business cash is identical to CFF??
The only problem with this trifecta is that it doesn’t permanently cover my biggest spend area groceries and gas. Until them it’s hard to recommend a Chase only setup. Dining only 3x on all the cards. Too much overlap.
This is my core set up: plat - flights, gold - groceries and food, US Bank AR - Catch all with Apple Pay, BBP - Catch all, Custom cash - gas, WF Autograph - Transit.
Get the ink business cash. It gets 2x on gas stations . It’s not much, but it’s Better than 1.5.
Yeah chase needs to update their cards. Way too much overlap
Sounds expensive, but nice
I just completed this exact CHASE Trifecta! I agree with you! ❤❤
Chase needs to stop with the extensive category overlap
100% I don’t need drugstore or dining on all 3 cards
For some people! I am a LOW low spender, and when I fly it's with budget airlines that cost a third as much as delta, American, etc., so I end up much better off with citi custom cash for 5x on grocery, penfed platinum rewards for 5x back on gas, and citi doublecash for 2x back on all else, with no annual fees since my total monthly spending is only $500 anyways
That's great! A solid cash back setup is never a bad thing. That's why I like that Chase points can be used not only for a ton of value with transfer partners, but also at a good rate for cash back too.
You mainly use this for cash back, not for points to transfer to travel partners?
Chase has the best bang for your buck with points in my opinion
so if i’m just starting out, and just want a credit card to spend on basic needs wether it be groceries or electronic stuff, which one would i get?
Not very good for international flights, good for Hyatt, 1.5x on unlimited is a little weak, I don’t use the travel portal so 1.25/1.5 boost is useless to me
honestly i believe the capital one duo is better because of the grocery coverage on the savor one and the same 3x on dining as chase and the venture X has 2x points per dollar compared to the freedom unlimited 1.5x. The only part where i see chase win is the redeeming points for cashback.
You can redeem it for cash on capital one too. The only part chase wins in my eyes is that it has Hyatt, MGM and IGH as partners which you can use to redeem. Capital one doesn’t have as good of hotel partners
In Texas we have heb as our grocery store which allows us to order online for curbside. The CSP gets 3x on online groceries so that works out well for us.
Can you open 2 or 3 or these cards at once showing only 1 hard pull? If you are only 1/5 chase 24?
I had the trifecta but have the quadfecta now. I recently added the ink business cash to the list.
That’s awesome! I just went through the same process!
Awesome, yah my Chase trifecta is CSP, Flex, Ink Cash. I use Amex Blue Business Plus for my 2x catch all. No annual fee, MR preservation (when closing out gold and plat cards), travel partner acccess, amex offers, extended warranty, purchase protection, no 5/24 hit, no hard pull, etc.. (This is the only Amex card I plan on keeping forever.)
@@jenniferw8963 I have CSP, Freedom Unlimited, Freedom Flex, and Ink Business Cash
Just curious, if u make no side hustle “business” money in the future, can u still maintain a business cc?
@@ohkayw yes.
Eventually you want the reserve if you traveling a lot
If the unlimited was a 2% back would be perfect.
3% back for your first year right now
I got the Amazon instead of the sapphire cause I do shop at Amazon and Whole Foods a lot and sometimes they do a bonus multiplier for some months on some categories like gas
I agree. I use but the Chace Ink Preferred
Is it worth the hassle getting the freedom flex?
It depends on what you mean by hassle. Without knowing your setup and situation I couldn't say for sure, but if you're someone who would use the 5x rotating quarterly categories and would combine the points on an annual fee Chase card and transfer to travel partners to get the most value, it could be a really profitable card for sure. Even at a 2 cent/point valuation, you'd effectively be earning 10x in each of the rotating categories on top of the other earning rates it gets. Not to mention the bonus on it is the best in the game for a beginner card. Like I said though, it all depends on your goals with your setup.
Definitely a fan of Chase unless you have filed for bankruptcy. If you have, I would recommend Capital One.
That’s good to know! Thanks for bringing that up man.
I agree! ❤
Would you recommend an AMEX gold card over applying for these 3? I am looking to step up my credit card game and have a few basic cards with no annual fee right now. Could you apply for all three Chase cards at the same time?
You can definitely apply for the Gold card if you are going to use the credits on it to minimize the effective annual fee and want to use your credit card points for travel. The Gold card is one that gets a lot of hype (for good reason) but you need to make sure you'll get positive value from it before you apply. Also, I wouldn't apply for all 3 Chase cards on the same day by any meas. I'd personally leave a month at least between each application but that's just me.
Wait so would it be dumb to acquire Chase Freedom Flex if you already have Unlimited? I guess I missed an opportunity to take advantage of the trifecta lol.
No. Get all three...the Flex, Unlimited, and Sapphire Preferred.
I’m new into this credit thing and I got offered all 3 of them on my chase banking out which one should I start out with being a 21 year old limited credit history
Freedom unlimited. Just use it conservatively and pay it off. Learn how the points work and then look into the others to maximize rewards
I recommend the CHASE Freedom Flex. ❤
I was wanting American Express but I changed my mind.
Would you suggest getting the preferred for 80K welcome bonus or the Amex platinum for the 150k plus $200 one time statement credit welcome bonus I was targeted for? I'm hesitant about that $695 annual fee
Technically the Platinum bonus is the better choice. However, you have to make sure you'll get positive value from the credits on the card before applying for it. Amex does have a once in a lifetime welcome offer rule though, so if the Platinum is a card you'll get a lot of value from, now is the best time to apply. The CSP bonus is excellent too, however, Chase doesn't have that once in a lifetime language so you could always get multiple CSP bonuses over the years to come. Just make sure that you get the card that makes the most sense for you!
Don’t put all your eggs in one basket.
How's this better than having a bunch of $0 annual fee, 4 and 5% cash back cards, using it on travel, or whatever?
Are the points with fees really better?
It's not that you earn higher multipliers all the time with annual fee cards, but the higher annual fee cards unlock the ability to transfer your points out to travel partners, effectively at least doubling the value of your points if you redeem them in that way. For those that like to use their points for travel, that means every earning multiplier these cards give you can be multiplied by at least 2 to give you the true value of them once you redeem. Hopefully that makes sense!
@@SpencerJohnsonOfficial
At least 2x?
Never heard that claim before.
Sure about that?
Seems to me 5% is better than any points card, even if you don't take their annual fees into consideration.
Factor in the annual fee and the 5% cash back card is even much better.
A 4% cash back card is usually better or a lot better. Factor in the annual fee on points cards and the 4% cash back card is always better.
Am I wrong?
With cash back cards, you don't need transfer partners. Everybody accepts cash.
@@RedRider1600 Cash back setups are great for some people! They're more simple and easy to use, but if you take the time to learn how to use travel points effectively, getting 2x the value is generally a conservative estimation.
For example, if you have a card like the Citi Custom Cash that gives you 5x in one category, that's 5% cash back. If you then get the Citi Premier card with a $95 annual fee, use the $100 hotel credit a year, you'll get paid $5 a year to hold it... then if you transfer every point you earned in those 5x categories to the Citi Premier card and transfer them out to travel partners, even if you just do a little research you'll get at least 2x the value from your points. That means you're now getting AT LEAST 10% back on every purchase on that card, plus getting paid $5 a year to keep the card open if you use just the one credit on it.
As I said, cash back setups are great for certain people, but if you want to learn how to get the most value from your points, cash back cards will always lose that battle. It just depends on if you're willing to spend a bit of extra time to transfer your points out to partners.
I have the preferred and the freedom unlimited, I just need to get the freedom flex and my trifecta is complete 💯
That’s awesome! The Freedom Flex is a nice supplemental card for those rotating 5x categories. I’m definitely a fan, but I get the most use out of my CFU and then use the CSP to transfer out to travel partners mainly (plus for streaming services and misc travel).
But they don’t offer lounge access😭
So it’s better to get the flex than the unlimited?
It depends on your goals! If you need a catch-all card then the CFU would be better, but if you want the 5x rotating categories the CFF is better. I say why not both? I did make a video comparing the two cards if you're interested.
@@SpencerJohnsonOfficial appreciate the response! and helping me on my credit journey.
@@gangland5045 No problem at all! I'm always happy to help where I can!
I think CFU is better than CFF if u had to choose one. From my experience, if u dnt spend much or at all in the category its currently on, its a waste. If u had CFU, ud get 1.5x instead of the 1x
Yep
You need the chase ink cash
I have it now! Definitely a nice addition. If you wanna see more, my long form videos are where I explain things a lot further.
How about Chase SP + Citi Double Cash + BILT?
That could be a decent setup too depending on what you're going for. If you're on team travel, the CSP and Bilt cards are both pretty solid, but the double cash requires you to add the Citi Premier if you want to transfer out to travel partners instead of just using their portal if that's something you want to do. Like I said though, it depends on your goals.
He's talking about pooling points together,3 different banks don't do that
@@KingGreen78depends how u use it right? If u use for travel, and all the cards have points transfer to same airline then itd be good?
Should i product change my freedom for the flex or should i just apply for a flex ?
If you product change to the freedom flex, you’ll lost the ability to get the welcome bonus. I would recommend you apply fresh for it to lock in that free 20k chase points, but if you’re already not eligible for the SUB on it for some reason, you could product change to it instead. Just get that SUB if you can!
What if I switch the flex for the no annual ink card
How would that work
You wouldn’t be able to product change into a business card, but you could always apply fresh for the Ink cards if you wanted some high SUBs! I’m personally a fan of adding all the no annual fee cards you can (especially with Chase) for even just the SUBs, but that may not fit your strategy.
Which one should be my first Chase card? Flex or Unlimited?
My opinion is if you don’t already have a card giving you at least 1.5x on every purchase, get the Unlimited. If you already have a card like that then maybe you’d get more value from the rotating categories on the Flex, but the Unlimited is my top choice between those two for sure.
@@SpencerJohnsonOfficial Thanks! I only have one other credit card (BofA). It had no rewards/points because I opted for a basic card just to improve my credit. I didn’t want any type of temptation and spend just for the sake of spending. But I’ve gotten a grasp on using CC’s responsibly over the last year. So I’m ready to level up a bit (and increase my credit score even more) 😁
That’s awesome to hear! You’re doing it the right way, that’s for sure. I know Chase can be kinda stingy with people brand new to credit, but hopefully your credit history will get you in the door! In your case, I’d definitely go with the Chase freedom unlimited. And if you need a referral link, check the description!! That’ll really help the channel if you decide to go through with it.
CHASE Freedom Flex ❤
What about Amex?
Luckily I got another Short and long-form video on that as well!
@@SpencerJohnsonOfficial I have a freedom flex and I’m debating on completing the trifecta but also thinking about getting an Amex gold just not sure which route to go through (I would make use of the credits to effectively make the fee $10)
@@skyllerkyller Why not all of them? My recommendation is to always start with all the Chase cards that make sense for you, then move to other lenders. If you're well under 5/24, it wouldn't hurt to add the Amex Gold while also adding Chase cards, but you have to be cognizant of those things.
Chase trifecta is awesome
Absolutely!
@@SpencerJohnsonOfficial its' my current setup besides dining and groceries which I use my ccc
Nice! Hopefully you only put groceries on your CCC so you get the full 5x back on it. Then you’d still get 3x on dining with your Chase cards.
@@SpencerJohnsonOfficial yup I only put groceries on one and 3x on my csp dining, I do have another ccc though
@@jamesyu613 Oh nice! Two CCC is something to be proud of.
Replace the Preferred with the Reserve and you have the true Chase Trifecta- Preferred leaves money on the table.
It all depends on your goals. For me the CSR isn't the most ideal right now, but it's still a solid card for a lot of folks!
So no Amex 😢
Don’t you worry. I got more shorts on Amex cards!
🍟 cripss
Fries
Where "x" equals "times" in English.
?
Why is this even in my feed?
Small $95 fees 😂
Amex Gold hands down
I love it too! Why not all 4?
1 card = $250 annual fee
3 cards = $95 annual fee
Lol, man, this is an obvious answer
@@rashodm7129 Well technically 1 card $10 effective annual fee, 3 cards $45 effective annual fee. Not as simple as it looks, but I know what it appears like on the surface. I have all 4 cards and get positive value from all of them so it just depends on how you use them.
Chase sucks! Amex is the best😂
Haha good thing I have plenty of videos about them for you too! 🤣
The best recomendation is not to have a credit card.