The Five Chase Cards in My Wallet and What I Do With Them

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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:

  1. 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

  2. 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).

    Singapore Airlines

  3. Chase Freedom Unlimited: a no annual fee card that earns 1.5 points per dollar on all spending.

    By transferring those points to a Chase Sapphire Preferred Card or Ink Business Preferred℠ Credit Card the points can then be transferred to airline miles or hotel points.

    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.

  4. Chase Freedom: I use this only for spend in rotating categories which earn 5 points per dollar each quarter.

    By transferring those points to a Chase Sapphire Preferred Card or Ink Business Preferred℠ Credit Card the points can then be transferred to airline miles or hotel points.

  5. Chase Ink Cash: I use it to earn 5 points per dollar on internet and cable TV and at office supply stores.

    By transferring those points to a Chase Sapphire Preferred Card or Ink Business Preferred℠ Credit Card the points can then be transferred to airline miles or hotel points.


What cards from Chase do you carry?

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. I don’t know if gas is considered “other travel” on the Ink Preferred, but if not the Ink Cash pays 2x at gas stations (assuming you don’t mind putting personal fill ups on your business card).

  2. You’ve now spent more time blogging about how you mean to get the Amex BBP than it would take to just get it

  3. As I’ve been moving more spend to AMEX I’m thinking of dumping the CSR for a Ink Preferred. Airfare and US Restaurants go to AMEX these days.

  4. @rico Amex Everyday Preferred is hands-down best for me when it comes to gas… 2x on gas, but 50% bonus after 30 transactions/month means 3x points on all gas. Paired with 3x grocery which becomes 4.5x with the bonus… I get a ton of points between that and the Amex BBP that Gary is apparently never going to get(haha)…

  5. Well, I don’t have ANY Chase cards in my wallet because they suddenly, without any notice (when I was traveling) and certainly without any explanation (I pursued this for some time), “terminated” (their words) their relationship with me 2 years ago. I wish I had a 5x at office supply stores card, but otherwise, it certainly simplifies my choices of which cards are in the front of my wallet.

  6. Well folks, you clearly have not kept up with your card churning. You only signed up for one or two Chase cards? Gary needs you to sign up for five. :eyeroll:

    Gary, you want to know what’s in my wallet? My hotel and restaurant spending goes on CSR. Other than that, my Chase cards are in the sock drawer.

    Putting anything other than Hyatt stays on the Hyatt card? No way, there is way, way too much opportunity cost in moving $15k from other cards just to get one free Hyatt night.

  7. @Joseph N. —> Unless we read different articles, I fail to see where it was said that Gary *needs* you to sign up for five. Rather, it merely said what’s in his wallet.

  8. Maybe I’m not an equal to the “pudding guy” but I’ve averaged a credit card promotion a month over the last 15 years. I think I’ve earned major league churner status.
    Having stated my qualifications, let me write that scrambling for $.02 per dollar is for bush leaguers…Read along and then do the math!
    My latest … $750 reward credit for a net (after statement credit) spend totaling less than $5000. with the Barclay Arrival + card. Note: I probably should add the credit was “a piece of cake” as Barclay includes my annual timeshare maintenance fees as a travel offset item.

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