The Chase Trifecta (Sapphire Reserve)
Chase Sapphire Reserve, Freedom Flex, Freedom Unlimited — one pass, free, no account and no app. Sapphire Reserve takes everything else, travel · portal and flights and 3 more; Freedom Flex takes dining, groceries and drugstores.
Card terms as of Oct 29. Open the downloaded pass on an iPhone to add it to Wallet. Regenerate it when card terms change.
What you get
| Category | Best card |
|---|---|
| Everything else | Sapphire Reserve2.1% |
| Dining | Freedom Flex7.0% |
| Groceries | Freedom Flex5.0% |
Content preview. Apple Wallet controls the layout. The free pass carries these first three rows, front and details together; the app unlocks every row.
These rows, every card
Everything else
- Sapphire Reserve — 2.1%
- Freedom Unlimited — 1.5%
- Freedom Flex — 1.0%
Dining
- Freedom Flex — 7.0%
- Sapphire Reserve — 6.2%
- Freedom Unlimited — 3.0%
Groceries
- Freedom Flex — 5.0%
- Sapphire Reserve — 2.1%
- Freedom Unlimited — 1.5%
Why these cards
Sapphire Reserve takes everything else, travel · portal and flights and 3 more; Freedom Flex takes dining, groceries and drugstores.
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 Reserve, Freedom Flex, Freedom Unlimited — every spend category, every card, with the reasons. Or open it in the generator and change the cards.