Building Your Chase Card Portfolio

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START WITH A CARD THAT ALLOWS YOU TO TRANSFER POINTS

THIS is really important to know. There are ONLY THREE Chase cards that give you the power to transfer Chase Ultimate Rewards® Points to transfer partners:

• Chase Sapphire Reserve® (personal card, $550 annual fee, not my favorite)
• Chase Sapphire Preferred ® (personal card $95 annual fee, THIS is my favorite)
• Ink Business Preferred® Credit Card (business card $95 annual fee, great sign up bonus)

BUILDING YOUR CHASE CARD PORTFOLIO

CARD 1: Chase Sapphire Preferred® Card
Of the 3 cards that allow you to transfer Chase points, my favorite is the Chase Sapphire Preferred.
Why?

• I personally want cards that have good sign up bonuses AND are great for every day spend. This one has 3x for online grocery (I order online & pick up – only good at stores that code as grocery), 3x on restaurants & 3x on streaming services
• Primary car rental insurance
• No foreign transaction fee (we always use this card for dining on vacations for 3x points so this is really important)

Now that you have a card that allows you to transfer Chase points, you’ll be able to earn points on OTHER Chase cards and COMBINE all the points into the account that has the transfer ability.
Easy explanation:
Let’s say you have the Chase Sapphire Preferred. And we know this card can transfer Chase points.
You earn points on the Chase cards below and “COMBINE” those INTO your Chase Sapphire Preferred account. And boom, once combined, now ALL the Chase points are transferable.

CARD 2: Ink Business Cash® Credit Card – LIMITED TIME, HIGHEST SIGN UP BONUS OFFER EVER
From there, my next favorite card in the Chase line up is the Chase Ink Business Cash® Credit Card. We make a large percentage of our Chase points from this card every year due to its generous 5x categories.

• 5x on office supply stores (hello Amazon gift cards!) and on phone & internet & cable (combined up to $25K annually)
• $0 annual fee – this is pretty unheard of on a card that can earn SO MANY POINTS!
• Generous sign up bonus

CARD 3: Ink Business Unlimited® Credit Card – LIMITED TIME, HIGHEST SIGN UP BONUS OFFER EVER
But don’t forget the other $0 annual Ink card… Chase Ink Business Unlimited® Credit Card. This one is ALWAYS in my wallet because it earns 1.5x points on EVERY purchase. That makes it perfect for my “everything else” purchases where I usually couldn’t earn more than 1x point/dollar.

**If you are fretting that TWO of these suggested cards are business cards, but you don’t have a business, remember the side hustles count as businesses too! Selling on Facebook Marketplace or Nextdoor, petsitting/dog walking, coating lessons… there are so many side hustles you may not even realize you have one. Check out my guide on applying for a business card with your side hustle.

Card 4: Chase Freedom Flex℠
Every quarter, the Chase Freedom Flex℠ has new categories that earn 5x points. It changes every quarter, but I always find at least 1 or 2 of the category options VERY useful. For Q4 2023, the categories are PayPal, select charities and wholesale clubs. You’ll earn 5x points per dollar when spending within any of these categories, up to $1500/quarter. So, if you max out your $1500, you’ll have 7500 Chase points. My husband and I both have this card and it’s rare that we don’t max out the categories – meaning, combined, we almost always earn 15,000 Chase points with this card!

These 4 cards create a Chase powerhouse and the ability to earn lots of points, BEYOND the sign up bonuses!

WHY THE OBSESSION WITH CHASE POINTS?

Quite simply, in my opinion, they are the most versatile point system out there.
They transfer to Hyatt which makes them incredibly powerful because you can often stay at incredible Hyatt properties for less than 20K Hyatt points per night.
They also transfer to United and Southwest, which no other point system does.

So now you know WHICH cards to get for earning significant amounts of Chase points.
But knowing how to TRANSFER these points is key. Because that is where the best value almost always is.
And I’ve got you covered with this step by step guide on how to transfer Chase points.

Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.