The Chase Credit Cards Holy Grail

The Chase Credit Cards that earn Ultimate Rewards Points are probably some of the best credit cards ever, especially when combined together. These cards create an incredible ecosystem that is arguably the absolute best. The fact that you can pool all your points accrued from your premium cards like the Chase Sapphire Reserve® with no annual fee cards like the Chase Freedom Flex℠ and even business cards like the Ink Business Preferred® Credit Card or the Ink Business Cash℠ Credit Card… is amazing!

What is the Chase Holy Grail

The Chase Holy Grail is the combination of 6 Chase Credit Cards that earn Ultimate Rewards Points. I talked and wrote heavily about each one before, so in this post I’ll just show you the highlights of each one then I’ll talk about why they’re great and how you can get them.

 The amazing thing about this combination of cards is that even though some bonus spend categories overlap, each one has some unique bonus categories of their own. So you’ll always earn bonus points and you’ll easily combine all your points together to really maximize the way you use them.

Chase Sapphire Preferred® Card

Current Offer: 80,000 points after spending $4,000 in the first 3 months

Benefits:

• Earns 5X on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
• Earns 2x on travel and dining
• Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
• Easy to redeem points for travel at a value of 1.25 cents per point
• Transfer points to airline and hotel travel partners at a ratio of 1:1
• Primary auto rental insurance
• No foreign transaction fees

Annual Fee: $95

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Chase Sapphire Reserve®

Current Offer: 50,000 points after spending $4,000 in the first 3 months

Benefits:

• 3x on Travel and Dining
• $300 Travel Credit
• $100 Global Entry/TSA PreCheck Application Fee Credit
• Priority Pass Membership
• Easy to redeem points for travel at a value of 1.5 cents per point
• Transfer points to airline and hotel travel partners at a ratio of 1:1
• Primary auto rental insurance
• No foreign transaction fees
• One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
   

Annual Fee: $550

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Chase Freedom Flex℠

Current Offer: $200 after spending $500 in the first 3 months. And earn 5% cash back on grocery store purchases (not including Target^® or Walmart^® purchases) on up to $12,000 spent in the first year. The $200 are really worth 20,000 Ultimate Rewards Points which you can pool with a Sapphire card and use them to book travel or transfer to travel partners.
The Chase Freedom Flex℠ is also offering 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99%–23.74%. 

Benefits:

• 5% back on rotating quarterly bonus categories on up to $1,500 in combined purchases each quarter you activate. These categories can be gas stations, department stores, streaming services, drug stores, etc.
• 5% on travel purchased through Chase Ultimate Rewards
• 3% on dining at restaurants, including takeout and eligible delivery services.
• 3% on drugstore purchases.
• 1% on everything else

Annual Fee: $0

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Chase Freedom Unlimited®

Current Offer: Earn $150 after spending $500 in the first 3 months. Cash back earned with Freedom Unlimited can be converted to Ultimate Rewards Points when you have a Sapphire card and use them to book travel or transfer to travel partners.
The card is also offering 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. A Balance transfer fee is 3% when you transfer a balance during the first 60 days your account is open, $5 minimum

Benefits:

• 1.5% back on everything
• No minimum to redeem for cash back
• Cash Back rewards do not expire as long as your account is open

Annual Fee: $0

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Ink Business Preferred® Credit Card

Current Offer: 100,000 points after spending $15,000 in the first 3 months. 

Benefits:

• 3x on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines. These are awesome bonus categories that are very useful for any small business.
• Easy to redeem points for travel at a value of 1.25 cents per point
• Transfer points to airline and hotel travel partners at a ratio of 1:1
• Primary auto rental insurance
• No foreign transaction fees

Annual Fee: $95

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Ink Business Cash℠ Credit Card

Current Offer: $500 back after spending $3,000 in the first 3 months. The $500 are really worth 50,000 Ultimate Rewards Points which you can pool with a Sapphire card or the INK Preferred and use them to book travel or transfer to travel partners.

Benefits:

• 5% cash back on the first $25,000 spent in combined purchases on office supplies stores, internet, cable and phone services
• 2% cash back on the first $25,000 spent in combined purchases on restaurants and gas stations.

These are great earning rates especially when you factor in the fact that all cash back earned can be converted to Ultimate Rewards Points – all that for no annual fees.

Annual Fee: $0

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Ink Business Unlimited℠ Credit Card

Current Offer: $500 back after spending $3,000 in the first 3 months. The $500 are really worth 50,000 Ultimate Rewards Points which you can pool with a Sapphire card or the INK Preferred and use them to book travel or transfer to travel partners.

Benefits:

• 1.5% back on anything and everything

This card is great for earning points on non bonus every day spend.

Annual Fee: $0

How to Get the Chase Holy Grail

Bottom Line:

There’s no doubt that the Chase credit cards and the Ultimate Rewards Points loyalty program ecosystem is one of the best, if not the absolute best ecosystem of credit cards out there. I’m so happy to have finally added all these cards to my wallet where I’m earning bonus points on many different categories of spend.