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The Chase Trifecta (Sapphire Preferred)

Chase Sapphire Preferred, Freedom Flex, Freedom Unlimited — one pass, free, no account and no app. Sapphire Preferred takes everything else, dining and travel and 4 more; Freedom Flex takes gas, drugstores and public transit and 1 more.

Add to Apple Wallet

Card terms as of Sep 14. Open the downloaded pass on an iPhone to add it to Wallet. Regenerate it when card terms change.

What you get

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Preferred1.5%
DiningSapphire Preferred4.5%
GasFreedom Flex5.0%
TravelSapphire Preferred · Chase Travel7.5%
DrugstoresFreedom Flex3.0%
StreamingSapphire Preferred4.5%
Online grocerySapphire Preferred4.5%
FlightsSapphire Preferred · Chase Travel7.5%
HotelsSapphire Preferred · Chase Travel7.5%
Public transitFreedom Flex5.0%
Live eventsFreedom Flex5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Preferred — 1.5%
  2. Freedom Unlimited — 1.5%
  3. Freedom Flex — 1.0%

Dining

  1. Sapphire Preferred — 4.5%
  2. Freedom Flex — 3.0%
  3. Freedom Unlimited — 3.0%

Gas

  1. Freedom Flex — 5.0%
  2. Sapphire Preferred — 4.5%
  3. Freedom Unlimited — 1.5%

Travel

  1. Sapphire Preferred · Chase Travel — 7.5%
  2. Freedom Flex · Chase Travel — 5.0%
  3. Freedom Unlimited · Chase Travel — 5.0%
  4. Sapphire Preferred — 1.5%
  5. Freedom Unlimited — 1.5%
  6. Freedom Flex — 1.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Freedom Unlimited — 3.0%
  3. Sapphire Preferred — 1.5%

Streaming

  1. Sapphire Preferred — 4.5%
  2. Freedom Unlimited — 1.5%
  3. Freedom Flex — 1.0%

Online grocery

  1. Sapphire Preferred — 4.5%
  2. Freedom Unlimited — 1.5%
  3. Freedom Flex — 1.0%

Flights

  1. Sapphire Preferred · Chase Travel — 7.5%
  2. Freedom Flex · Chase Travel — 5.0%
  3. Freedom Unlimited · Chase Travel — 5.0%
  4. Sapphire Preferred — 3.0%
  5. Freedom Unlimited — 1.5%
  6. Freedom Flex — 1.0%

Hotels

  1. Sapphire Preferred · Chase Travel — 7.5%
  2. Freedom Flex · Chase Travel — 5.0%
  3. Freedom Unlimited · Chase Travel — 5.0%
  4. Sapphire Preferred — 3.0%
  5. Freedom Unlimited — 1.5%
  6. Freedom Flex — 1.0%

Public transit

  1. Freedom Flex — 5.0%
  2. Sapphire Preferred — 1.5%
  3. Freedom Unlimited — 1.5%

Live events

  1. Freedom Flex — 5.0%
  2. Sapphire Preferred — 1.5%
  3. Freedom Unlimited — 1.5%

Why these cards

Sapphire Preferred takes everything else, dining and travel and 4 more; Freedom Flex takes gas, drugstores and public transit and 1 more.

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.

See the full ranking for Chase Sapphire Preferred, Freedom Flex, Freedom Unlimited — every spend category, every card, with the reasons. Or open it in the generator and change the cards.