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Links to the Freedom, Freedom Unlimited, and Ink Cash card are not referral links and information about them is neither provided nor reviewed by their issuer.
I carry (5) different Chase credit cards in my wallet. That’s a lot from one issuer, probably, however:
- they have some of the best co-brand relationships (airline and hotel cards)
- also some of the most valuable points of their own (Ultimate Rewards) which can usually be transferred to a selection of airline and hotel points
- and they have cards that let you earn those points quickly — I’ve said many times that you should never earn just one point per dollar for your spending.
I put spending on Chase’s Hyatt card because it helps me earn elite status with the chain, and because spending has been made valuable with the free nights I earn in addition to points. And then I try to earn the most Ultimate Rewards points possible, which transfer to:
- Airlines: United, Southwest, JetBlue, British Airways, Virgin Atlantic, Singapore Airlines, Air France KLM, Iberia, Aer Lingus
- Hotels: Hyatt, IHG, Marriott/Ritz-Carlton
Here are the Chase cards I’m currently carrying, and how I use each:
- The World Of Hyatt Credit Card: I put my Hyatt stays on the card (4 points per dollar) and my wife’s fitness classes (2x). The card gives 5 elite night credits as an ante and then 2 more for each $5000 spent so I’ve put a bunch of additional spend on the card to requalify early for Globalist status.
The card comes with a free category 1-4 night each year, and another after $15,000 spend. Along the way this year I’ve earned a category 1-4 night when I hit 30 Hyatt elite nights, and a category 1-7 night when I requalififed for Globalist status.
Park Hyatt New York
- Ink Business Preferred℠ Credit Card has the best current initial bonus offer of any card in my view at 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
I can use this card to earn 3 points per dollar on ‘other travel’ spend not covered by my other cards and on shipping purchases (I don’t really make advertising purchases on social media sites and search engines).
- Chase Freedom Unlimited: a no annual fee card that earns 1.5 points per dollar on all spending.
This is where my ‘unbonused’ spending goes. That’s somewhat suboptimal because by not putting my spending on a no annual fee The Blue Business℠ Plus Credit Card from American Express (which I keep meaning to get) I’m giving up 2 Membership Rewards points per dollar spent on up to $50,000 in purchases. As a result I’m 25,000 points poorer than I could be each year.
- Chase Freedom: I use this only for spend in rotating categories which earn 5 points per dollar each quarter.
- Chase Ink Cash: I use it to earn 5 points per dollar on internet and cable TV and at office supply stores.
What cards from Chase do you carry?