Chase Travel Pay with Two Cards: Combining Cards for Ultimate Rewards

Combining two Chase credit cards can be a game-changer for earning Ultimate Rewards points. This strategy allows you to maximize your points earnings and redeem them for travel redemptions, hotel stays, and other rewards.

You can combine a Chase Sapphire Preferred Card with a Chase Freedom Unlimited Card to earn a combined 3X points on travel and dining purchases. This is a great option for those who want to earn points on everyday purchases, such as groceries and gas.

The Chase Sapphire Preferred Card offers a 60,000-point bonus after spending $4,000 in the first 3 months, while the Chase Freedom Unlimited Card offers a $200 bonus after spending $500 in the first 3 months. These bonuses can add up quickly and provide a significant boost to your points earnings.

By combining these two cards, you can earn a total of 5X points on travel and dining purchases, making it easier to redeem your points for travel rewards.

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Carrying multiple Chase cards can unlock more value from your earnings. This is especially true if you have a Chase Ultimate Rewards-earning card with an annual fee, which can combine your cash-back earnings from Freedom-branded cards.

You can earn a total of 61,000 Ultimate Rewards points by spending $15,000 in a year on a card like the Chase Freedom Flex℠. This can be redeemed for $610 cash back, but carrying another card like the Chase Sapphire Reserve can change that.

With the Sapphire Reserve, you can combine your earnings and redeem them for $915 through the Chase Travel portal or Pay Yourself Back. This is a significant increase in value.

Carrying multiple cards can also give you more flexibility in how you redeem your points. You can transfer them to airline or hotel partners and potentially get even more in value.

Consider your spending habits and how you can use multiple cards to maximize your earnings. For example, small business owners may find the Ink Preferred card to be a good anchor for their Chase trifecta.

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You can earn up to 50% more value when redeeming your Chase Ultimate Rewards points through Chase Travel℠, depending on your credit card.

Chase offers various credit cards with different earning rates, including the Chase Sapphire Reserve, Chase Sapphire Preferred, and Ink Business Preferred, which earn points worth 1.5, 1.25, and 1.25 cents apiece, respectively.

Some Chase cards offer bonus points for paid bookings through the portal, up to 10x Ultimate Rewards points per dollar. The Chase Sapphire Reserve and Chase Sapphire Preferred Card offer lucrative bonus categories on flights, hotels, and car rentals.

You can combine points earned on no-annual-fee cards like the Chase Freedom Flex or Chase Freedom Unlimited with a Chase travel credit card to get more value. Points redeemed through the Chase Sapphire Reserve are worth 1.5 cents apiece through Chase Travel℠.

Chase credit cards offer a bonus for redeeming points through Chase Travel℠, with values ranging from 1 cent to 1.5 cents per point.

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Here's a breakdown of the value per point through Chase Travel℠ for each Chase credit card:

While these redemption rates are generous, you may get even more value by transferring your points to airline and hotel partners.

Chase offers a range of rewards credit cards that can be used to book travel through the Chase Travel portal.

The Chase Sapphire Reserve is one of the most lucrative options, offering points worth 1.5 cents apiece through Chase Travel.

If you have a no-annual-fee card like the Chase Freedom Flex or Chase Freedom Unlimited, your points are worth 1 cent each toward travel booked through the portal.

Carrying multiple Chase cards can unlock more value from your earnings. For example, combining the cash-back earnings from the Chase Freedom Flex with the Chase Sapphire Reserve can make those earnings fully transferable and redeemable at elevated earning rates.

Here are some of the Chase travel rewards credit cards that offer more value when redeemed through Chase Travel:

These cards also offer the ability to transfer your points to Chase airline and hotel partners, potentially for significantly more value.

You can book a rental car through Chase Travel℠ by logging into your Chase Ultimate Rewards account and clicking on "Cars." Select the destination and dates, and then filter results based on your preferences, including car type, price range, and rental company.

Taxes and fees are added to your total cost when you select a rental car, but you can pay for it with points, your credit card, or a combination of the two.

You can also book various activities, such as excursions and tours, through Chase Travel's "Things to Do" tab. Simply enter your destination and dates, and you'll be shown a price in points and in cash that includes taxes and fees.

You can filter activities based on type, interests, and more, and pay for them with points, your credit card, or a combination of the two.

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To book a rental car, log into your Chase Ultimate Rewards account and click on "Cars" to select your destination and dates. From there, you can choose the type of car you prefer, such as an economy car or an SUV.

You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer. This makes it easy to find a car that suits your needs.

Taxes and fees are not included on the initial search page, so be sure to factor those in when selecting a rental car. They will be added to your total cost.

Booking activities is a breeze with Chase Travel. You can book various activities through their portal, called "Things to Do", which includes excursions like snorkeling or scuba diving.

To search for activities, simply enter your destination and travel dates. You'll be shown a price in points and in cash that includes taxes and fees.

Chase activities can also include tours of museums and historic sites, as well as practical options like airport pickups and other types of transportation. You can filter options based on the type of activity, your interests, and more.

You have the option to pay for activities with your points, your credit card, or a combination of the two. This gives you the flexibility to choose the best payment method for your needs.

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To book a vacation rental, start by clicking "Vacation Rentals" at the top of the main page and entering your destination, dates, and the number of people in your party.

You can filter search results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more.

The price you're shown excludes taxes and fees, but they'll be added to your total once you make a selection.

Be aware that the price shown in your search results is for the lowest-tier option for each property, and a larger rental or upgraded rental may cost more in points.

You can pay for your vacation rental with points, your Chase card, or a combination of the two.

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Combining rewards points between two eligible cards is a game-changer for maximizing your Chase travel rewards. You can combine points on your Chase Ultimate Rewards earning cards by logging in to Chase Ultimate Rewards and selecting the "Combine Points" option.

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To do this, you'll need to have two eligible cards associated with your login information. This can take up to 24 hours to add a person to your eligible accounts, so plan ahead. Once you're ready, select one card to move points from and another to move points to.

You can move all or only some of your points, in any amount you choose. The proposed points combination will be displayed on the Review page, so you can review to ensure accuracy. Points are combined instantly, and you'll receive confirmation of completion.

If you have a Chase Ultimate Rewards-earning card with an annual fee, you can combine your cash-back earnings from Freedom-branded cards with that account. This makes those earnings fully transferable and redeemable at elevated earning rates.

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The Chase Trifecta is a powerful strategy for maximizing your earnings and rewards.

The trifecta consists of three Chase credit cards: the Chase Sapphire Reserve, the Chase Sapphire Preferred, and one of the Freedom cards (Freedom Flex or Freedom Unlimited).

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By combining the rewards from all three cards, you can earn transferable Ultimate Rewards points that can be redeemed for travel, cash back, or other valuable rewards.

The Chase Sapphire Reserve is the premium card in the trifecta, offering a $300 annual travel credit, Priority Pass Select membership, and Global Entry/TSA PreCheck application fee credit, among other benefits.

However, if you want to lower your annual fee, you can swap in the Chase Sapphire Preferred Card instead, which will drop the combined annual fee to just $95.

Here's a comparison of the combined earnings rates of the two Chase trifecta options:

This table highlights the key differences in earning rates between the two Chase trifecta options.