Chase Freedom® is not your usual plastic. You wield your chip-embedded plastic with the expectation that in addition to your purchase, you're also accruing a little something extra for later. Monthly, your electronic devices chime balances, showing you 5,000 points, 15,000, perhaps 50,000 or more. Each time, you never fail to consider their maximum potential benefit, wishing you could milk the most out of your card.

Now, it's all the points, isn't it? With the right credit cards and some cleverness, you can earn points more quickly than ever and get the reward you really wanted, with a bit tacked on to boot.

Here, we at GET.com show you why all you need are two little cards: Chase Freedom® and Chase Sapphire Preferred® Card.

Earning With Chase Freedom

If you're a frequent flyer, you may be wondering: "If I already have Chase Sapphire Preferred® Card, why would I want Chase Freedom®?"

Well, let's just say it's a strategic little workhorse under the right conditions.

First of all, Chase Freedom® has no annual fee, so it costs nothing on your end. While cardholders automatically receive 1% cash back for all purchases on the card, they can activate a 5% cash back option that lets them earn Chase Ultimate Rewards Points five times as quickly.

Activating your quarterly 5% cash back option is as easy as 1,2,3.

All you have to do is click a button to activate the quarterly 5% cash back option before the rather generous deadline. Then, every qualifying purchase made during that entire quarter up to $1,500 within the featured rotating categories earns 5%, or 5 cents per $1, versus the usual penny.

Chase Freedom®'s categories represent merchants that you'd probably frequent regardless, and because they rotate quarterly, you must reactivate the 5 percent cash back option with each shift.

To keep track, you can request activation reminders seven different ways, and you can even manage your Chase Ultimate Rewards Points through the Chase Freedom® mobile app.

You can move your points to another eligible Chase card with Ultimate Rewards to maximize your rewards.

Now, although you cannot transfer your Chase Freedom® Ultimate Rewards Points directly to airline frequent flyer or hotel loyalty programs, they're still quite valuable as you can transfer your Ultimate Rewards points to another Chase credit card account – yours or your spouse's.

Of course, if you like, you can redeem them for cash back, merchandise, gift cards and even travel reservations made through the Ultimate Rewards travel portal, too.

Redeeming With Chase Sapphire Preferred® Card

If you transfer your points to a Chase Sapphire Preferred® Card account before redeeming them through the Ultimate Rewards travel portal, you get a 25-percent boost, each point is now worth 1.25 cents instead of 1.00 cent.

While 60,000 Ultimate Rewards points are worth $600 in cash, they're worth $750 on travel portal airfares, cruises, hotel stays and car rentals.

In addition, with Chase Sapphire Preferred® Card, you can also transfer them to your frequent flyer or hotel loyalty program easily. The same is true, by the way, if you have a Chase Ink Plus business card.

Granted, Chase Sapphire Preferred® Card does come with a $95 annual fee. Meanwhile, it's a true travel rewards card, as you earn Chase's standard 1 percent cash back on all general purchases but 2 percent on all travel and dining worldwide. If the category's right, however, you could potentially more than double that for at least a quarter when you use it in combination with Chase Freedom®.

Benefiting As A New Cardholder

For new cardholders, both of these cards up the earnings ante with first purchase bonus points:

  • Chase Freedom® will award you 15,000 points – worth $150 – after you use your card to make $500 in purchases within the first 3 months from account opening.
  • Chase Sapphire Preferred® Card will award you 60,000 points – worth $600 in cash but $750 in travel – after you use your card to make $4,000 in purchases within the first 3 months from account opening.

Perhaps because Chase Freedom® is better known for its cash back incentives, frequent flyers and world travelers are often unaware of its more subtle benefits. That said, being able to collect high-yield points earnings and then transfer them to an even more advantageous rewards arena is a partnership perk that's hard for any savvy consumer to pass up.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

17.24%-25.99% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic.
Excellent/Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
APPLY NOWAt Chase's secure website

N/A

18.24% - 25.24% Variable

$95

Why we like it
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
Excellent/Good