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Chase Ultimate Rewards is a transferable points program available through a number of Chase credit cards. Ultimate Rewards offers a great combination of easy-to-earn points and both easy and valuable point redemptions. Those who are primarily interested in luxury international award flights will likely do even better with Amex Membership Rewards, but if you’re interested in hotel awards, domestic flights, or easy travel awards, Chase is a great pick.
Ultimate Rewards points can be earned via welcome offers, referral bonuses, bank account bonuses and credit card spend. As long as you have at least one Ultimate Rewards card with an annual fee, those points can then be transferred to airline or hotel partners or used to pay for travel at better than 1 cent per point value. There’s a lot of opportunity to be had.
Here’s everything you need to know about Chase Ultimate Rewards.
How To Earn Chase Ultimate Rewards Points
Earn Points with Credit Cards
All of the cards listed below earn Ultimate Rewards that can be transferred to travel partners provided you have at least one Ultimate Rewards-earning card that has an annual fee: Chase Sapphire Preferred, Chase Sapphire Reserve or Chase Ink Business Preferred. There is one notable exception that’s listed below.
The easiest and quickest way to earn Chase points is through Chase credit card welcome offers, category bonuses, and refer-a-friend bonuses. Of particular note are cards that earn 3X to 5X rewards within certain categories of spend: Chase Ink Cash (5X at office supply stores and on internet, cable, and phone services), Chase Freedom Unlimited and Freedom Flex (3X dining and drugstore; and Flex adds 5X rotating categories), Chase Sapphire Preferred (3X dining, streaming & online grocery); Chase Sapphire Reserve (3X general travel and dining, and up to 10x select travel booked through Chase), Chase Ink Business Preferred (3X travel, shipping, internet, cable, phone, and advertising). See our best category bonuses page for more detail and comparison.
| Card Offer and Details |
|---|
75K points ⓘ Affiliate 75K after $6K spend in 3 monthsNo Annual Fee Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager. FM Mini Review: Great welcome bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
90K points ⓘ Affiliate 90K after $8K spend in 3 months$95 Annual Fee Alternate Offer: There is an in-branch offer of 120K points after $8K in purchases in the first 3 months. Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome bonus and 3X categories. Also consider theInk Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners ✦ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. No Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 FM Mini Review: This one should be in everyone's wallet. Incredible welcome bonus for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
60K Points ⓘ Affiliate 60K after $4K spend in 3 months$550 Annual Fee Alternate Offer: 70K after $4K spend showing on some accounts when logged-in to Chase Recent better offer: Expired 12/1/22: 80K after $4K spend FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash Click here for our complete card review Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: $300 Annual Travel Credit ✦ Points worth 1.5 cents each towards travel when booked through the Chase Travel(SM) Portal✦ Transfer points to airline & hotel partners ✦ Primary auto rental collision damage waiver ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry fee credit ✦ Free DashPass through 2027 See also: Chase Ultimate Rewards Complete Guide |
60K Points ⓘ Affiliate 60K after $4K spend in 3 months$95 Annual Fee Alternate Offer: There may be elevated offers available by applying in-branch A similar offer with the first year annual fee waived may be found in-branch. YMMV. Recent better offer: 60K points + $300 travel credit (Expired 11/14/24) FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ $10 monthly credit for non-restaurant DoorDash orders ✦ Free DashPass through 2027 ✦ Transfer points to airline & hotel partners ✦ $50 back for hotel stays booked through Chase per cardmember year in the form of a statement credit |
Up to 30K points / $300 cash back ⓘ Affiliate Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back.No Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
20K points ⓘ Non-Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 monthNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities) Card Info: Mastercard World issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ Cell phone protection ✦ Lyft credits ✦ $10 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
There is one, extremely confusing exception that exists in the Ultimate Rewards portfolio of cards. The Chase Ink Business Premier earns Ultimate Rewards and has an annual fee. However, the Ultimate Rewards earned on this particular card (a charge card rather than a credit card) aren’t transferable – they can only be redeemed for cash or other redemption options.
| Card Offer and Details |
|---|
$1,000 Cash Back ⓘ Affiliate $1K after $10K Spend in 3 Months$195 Annual Fee Alternate Offer: Some have been targeted for 150K after $10K spend via mailer or in the "Just for You" section of their online account. FM Mini Review: This is an almost 1 to 1 copy of Capital One's Spark Cash Plus card, but the Chase card throws in 2.5% earnings on very large purchases. Unfortunately, the Chase card also has a slightly higher annual fee. The biggest disappointment about this card is that, unlike other Chase Ink cards, the rewards cannot be moved to other Chase cards to improve their value. Even though this card technically earns Ultimate Rewards points, it's best to think of it as a straight up cash back card. Click here for our complete card review Earning rate: 2.5% cash back on purchases of $5,000 or more ✦ 5% back on travel purchased through Chase Travel(SM) ✦ 2% cash back on all other spend Base: 2% Other: 5% Card Info: Visa Signature Business Charge Card issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Purchase protections ✦ Cell phone protection (up to $1K per claim) ✦ Travel protections |
Ultimate Rewards-earning cards that are no longer available to new applicants
| Card Name w Details & Review (no offer) |
|---|
$0 introductory annual fee for the first year, then $95 Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners See also: Chase Ultimate Rewards Complete Guide |
| Card Name w Details & Review (no offer) |
|---|
FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. No Annual Fee Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities). Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+ See also: Chase Ultimate Rewards Complete Guide |
Earn Points with Bank Products
Some Chase banking products also earn Ultimate Rewards points for new accounts. If you can find a good offer (like this expired one), you can earn as many as 60,000 points. Similar offers occasionally surface for things like new mortgage accounts, though you’ll want to be sure you’re getting the best rate along with your points.
Keep in mind that points earned through banking are generally taxable. However, Chase Ultimate Rewards points earned from bank account bonuses can be transferred to airline partners or combined with another member of your household.
Earn Points by Referring Friends
Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time. When referral offers are available, Chase sends emails to eligible cardholders with the offer details. Cardholders can also look for Chase friend referral offers here.
How to Redeem Ultimate Rewards Points
Ultimate Rewards points are worth 1 cent each when redeemed for cash. That said, there are a few ways in which it is possible to get more value:
- “Pay Yourself Back”: Up to 1.5 cents per point value.
- Redeem points for travel: Up to 1.5 cents per point value.
- Transfer points to airline and hotel partners: Value depends on how your airline or hotel points are used.
- Redeem points for gift cards: A selection of brands goes on sale for 10% off each month, although in many cases you’d be better off redeeming points for cash and buying the gift cards for more than 10% off elsewhere.
Points earned on fee-free Ultimate Rewards cards are not directly eligible for any of the above better-than-one-cent-per-point redemptions, but you can move points first to a premium card (Chase Sapphire Preferred or Chase Ink Business Preferred) or ultra-premium card (Chase Sapphire Reserve) in order to get the best value from your points. In fact, you only need one premium or ultra-premium card per household since points can be freely moved from one card to another within a single household.
A family working together could have a single Sapphire Reserve card and use that one card as the vehicle for redeeming points. All points earned on the family’s other Ultimate Rewards cards (Freedom, Ink, etc.) would be moved to the Sapphire Reserve account for that purpose.
Pay Yourself Back
Chase allows most Sapphire, Freedom, and Ink cardholders to “Pay Yourself Back”. The basic idea is that you can exchange your points for statement credits against certain categories of purchases. Here’s the link to use this feature yourself.
Chase changes or renews the eligible categories every few months. When using this feature, Sapphire Reserve cardholders get 1.25 cents per point value for most categories, and all other eligible cardholders get 1 cent per point value. Chase used to offer 1.5 cents per point value for Sapphire Reserve cardholders and 1.25 cents per point value for Sapphire Preferred cardholders. That was a decent deal. With the lower redemption values in play today, we no longer recommend this option. More details about Chase's Pay Yourself Back feature can be found here.
Travel
With the right credit card, you can get more than 1 cent per point in value when redeeming for travel through the Chase Travel(SM) portal:
However, with the Chase Sapphire Preferred or Chase Ink Business Preferred card, you'll get 1.25 cents per point value. The same example flight would cost just 48,096 points when booked through the Chase portal.
You'll get the most value with the Chase Sapphire Reserve at 1.5 cents per point. The same example flight would cost just 40,080 points with the Sapphire Reserve when booked through the Chase Travel.
Using Ultimate Rewards, cardholders can directly book airfare, hotels, cruises, and car rentals. Airfare purchased via the Chase portal still earns airline miles and elite qualifying miles. Hotels booked through the portal do not earn hotel rewards. Worse, hotels booked via the Chase portal often will not offer you elite benefits even if you have status.
Fortunately, when you pay with points for travel, Chase's automatic travel protections do apply. So, you can be covered for things like trip delays, trip cancellation & interruption, lost luggage, etc. The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections.
The following chart summarizes travel insurance provided automatically by each related card. Cells in green indicate best in class coverage, yellow indicates good coverage, red indicates worse than peers' coverage. "Pay partial" means that you can get full coverage even if you pay only part of your transportation costs with this card. For example, you could pay just the taxes and fees for an award flight. Or, you could pay part of a cruise with gift cards and the rest with the credit card. See Chase credit card travel insurance for a more detailed comparison beyond this chart summary.
* Each of these cards offers primary coverage outside of your country of residence. Unfortunately, the Ink Cash, Ink Business Unlimited, Freedom, Freedom Flex, and Freedom Unlimited cards all incur foreign transaction fees internationally.
If you would like to use points earned on other cards with a card like the Sapphire Preferred or Sapphire Reserve, combine your points with other cards in your name or with one other member of your household or business partner.
- Redeem points for travel booked through the Chase portal at a value of 1.25 cents per point with the Chase Sapphire Preferred or Ink Business Preferred
- Redeem points for travel booked through the Chase portal for 1.5 cents value with the Chase Sapphire Reserve.
How to redeem points for travel through Chase Travel (SM)
With many no-annual-fee Chase credit cards, you can redeem points for travel booked via Chase Travel at a rate of just 1 cent per point (or you could alternatively book travel anywhere and cash out your points for a statement credit at a value of $0.01 each). As an example, if you have a card like the Chase Freedom Unlimited card, a $600 flight would cost you about 60,000 points. See this example of a flight that costs $601.20 or 60,120 points.However, with the Chase Sapphire Preferred or Chase Ink Business Preferred card, you'll get 1.25 cents per point value. The same example flight would cost just 48,096 points when booked through the Chase portal.
You'll get the most value with the Chase Sapphire Reserve at 1.5 cents per point. The same example flight would cost just 40,080 points with the Sapphire Reserve when booked through the Chase Travel.
Using Ultimate Rewards, cardholders can directly book airfare, hotels, cruises, and car rentals. Airfare purchased via the Chase portal still earns airline miles and elite qualifying miles. Hotels booked through the portal do not earn hotel rewards. Worse, hotels booked via the Chase portal often will not offer you elite benefits even if you have status.
Fortunately, when you pay with points for travel, Chase's automatic travel protections do apply. So, you can be covered for things like trip delays, trip cancellation & interruption, lost luggage, etc. The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections.
The following chart summarizes travel insurance provided automatically by each related card. Cells in green indicate best in class coverage, yellow indicates good coverage, red indicates worse than peers' coverage. "Pay partial" means that you can get full coverage even if you pay only part of your transportation costs with this card. For example, you could pay just the taxes and fees for an award flight. Or, you could pay part of a cruise with gift cards and the rest with the credit card. See Chase credit card travel insurance for a more detailed comparison beyond this chart summary.
| Sapphire Reserve | Sapphire Preferred | Ink Business Preferred | Ink Cash, Ink Business Unlimited | Freedom, Freedom Flex, Freedom Unlimited | |
|---|---|---|---|---|---|
| Auto Rental Collision Damage Waiver | Primary | Primary | Primary for Business* | Primary for Business* | Secondary* |
| Roadside Assistance | 4X per year limit | Pay per use | Pay per use | Pay per use | Pay per use |
| Trip Cancellation and Interruption | Pay partial | Pay partial | Pay partial | N/A | Pay partial |
| Trip Delay | 6 hour delay Pay partial | 12 hour delay Pay partial | 12 hour delay Pay partial | N/A | N/A |
| Lost Luggage | Pay partial | Pay partial | Pay partial | N/A | N/A |
| Baggage Delay | 6 hour delay Pay partial | 6 hour delay Pay partial | 6 hour delay Pay partial | 6 hour delay Pay partial | N/A |
| Travel Accident Insurance | Pay partial | Pay partial | Pay partial | Pay partial | N/A |
| Emergency Evacuation and Transportation | $100K limit Pay partial | N/A | N/A | N/A | N/A |
| Emergency Medical and Dental | $2,500 limit Pay partial | N/A | N/A | N/A | N/A |
* Each of these cards offers primary coverage outside of your country of residence. Unfortunately, the Ink Cash, Ink Business Unlimited, Freedom, Freedom Flex, and Freedom Unlimited cards all incur foreign transaction fees internationally.
If you would like to use points earned on other cards with a card like the Sapphire Preferred or Sapphire Reserve, combine your points with other cards in your name or with one other member of your household or business partner.
The Edit Luxury Hotel Program
The Edit is a “luxury” hotel booking program available to JP Morgan Reserve and Chase Sapphire Reserve cardholders. When booking hotels through The Edit, cardholders enjoy a suite of valuable benefits and in most cases will also qualify for elite credit, rewards and perks when staying at chain hotel properties. The Edit stays include:
- Daily breakfast for 2
- $100 property credit per stay (such as dining or spa credits)
- Room upgrade at check-in (based on availability)
- Early check-in and late check-out (based on availability
- Complementary wifi
Transfer points
In terms of absolute value, the best use of Ultimate Rewards points is to transfer points to airline and hotel partners in order to book high value awards. Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.
Chase Ultimate Rewards Transfer Partners
| Rewards Program | Best Uses |
|---|---|
| Aer Lingus Avios | Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Air Canada Aeroplan | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| British Airways Avios | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can often be had in redeeming BA points for short distance flights outside the US. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Emirates Skywards | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards. |
| Finnair Plus+ | Finnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs. |
| Hyatt | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth more than 2 cents each. Bonus: award nights are not subject to resort fees. |
| Iberia Avios | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| IHG | IHG dynamically prices their awards and sometimes offer very good value. IHG Premier and IHG Premier Business cards offer the fourth night free on award stays. |
| JetBlue | JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. |
| Marriott Bonvoy | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qatar Privilege Club Avios | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. |
| Singapore Airlines KrisFlyer | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| Southwest Rapid Rewards | Award flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point. |
| United MileagePlus | United offers free award changes and free cancelations. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. Good uses of miles include United's Excursionist Perk awards and (sometimes) dynamically priced United economy awards. |
| Virgin Atlantic Flying Club | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
Current transfer bonuses
If there are any current transfer bonuses from Chase Ultimate Rewards to a travel partner, details will appear here:
| Transfer Bonus Details | End Date |
|---|---|
| 40% transfer bonus from Chase Ultimate Rewards to Virgin Atlantic Flying Club | 11/30/24 |
Cash back
Chase Ultimate Rewards cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check or ACH transfer.
Other ways to redeem Ultimate Rewards points
Through the Chase portal you can redeem points for cash back, gift cards, merchandise, or experiences. With this approach you'll usually get 1 cent per point value. One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your points - causing you a headache in getting your points reinstated).
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your points - causing you a headache in getting your points reinstated).
Best Ultimate Rewards transfer partner awards
Our post, Chase Ultimate Rewards sweet spots, details the best uses of Chase Ultimate Rewards. Either click here or click below to jump to a section of the post:
- Hotels
- Domestic US flights
- Hawaii
- Europe
- Asia
- Caribbean / Latin America
- Africa
- Australia / New Zealand / Oceania
How to Manage Ultimate Points
Combining Points Across Cards
If you are the primary account holder with multiple cards, you can freely combine Chase points back and forth between your accounts. Your points can then be redeemed according to the card to which you move them. For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a card that earns Chase points, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.
If you intend to cancel a card that earns Chase points, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.
Sharing Points Across Cardholders
Chase allows customers to transfer Chase points to any other account in that customer's name or to one additional household member or joint business owner (for free). You do need to call Chase the first time you transfer points to a different person's account, but once that's been done, you can freely transfer points online in the future.
Why this is valuable:
Why this is valuable:
- You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
- Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).
How to Keep Ultimate Rewards Points Alive
Thankfully, it is very easy to keep Chase points alive: simply keep the points in an open account and they will not expire. Note that if you close a card that earns Chase points, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point mistake. See also: A checklist for cancelling credit cards.
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[…] Chase Ultimate Rewards points are earned through several Chase credit cards. These include the Chase Sapphire Preferred, Chase Sapphire Reserve, and others3. You can get them through welcome offers, referral bonuses, and spending on your card4. […]
Do you guys want the new 75k CSP/CSR referral links that Chase is emailing out as of June 14?
A couple questions on The Edit. 1. Is the pricing the same for a property as on Chase Travel? 2. Can you provide a sense of the hotels available? Total number? Geographic distribution?
Getting those elite benefits and 1.5 cents/point redemptions could be compelling. Unfortunately, non-Reserve holders aren’t able to check available hotels and pricing.
Also seeing this page corrupted with the same bug, where it lists all credit card blurbs and.
Fixed. Thank you
Thanks for the quick fix!
Is it possible to buy an United Air ticket on the CHASE Travel Portal using a combination of UR Points and a Chase United Quest Card to receive the 2 free checked baggage benefit?
It appears that when purchasing a ticket on Chase Portal with points and credit card, Chase then goes and buys the ticket at United using their own institutional credit card (i.e. ending in 8909) and the United reservation does not show the original United Quest card that was used to pay on the Chase Portal. Thus, baggage benefits are not recognized.
Any help/experience with this is appreciated…
I’m having trouble combining points with my wife. We’ve got..
Sapphire Reserve (me, no authorized users)
Sapphire Preferred (wife, no authorized users)
Freedom Unlimited (me, wife is authorized user).
I have no issue transferring between Freedom Unlimited to Sapphire Reserve, but I can’t get the points from Sapphire Preferred to transfer. The Freedom Unlimited doesn’t show up in her login. I tried through secure message requesting to combine and they told me I could and when I gave them the Reserve account number, they told me this:
the “move to” account is associated with another account.
Which of course it is, that’s why I’m trying to combine them. Any suggestions how I respond??
[…] Chase Ultimate Rewards 是 chase 信用卡的點數，可以轉成很多航空公司的哩程，也可以轉成旅館的點數。很有彈性，建議想要玩 travel hacking 的朋友，一定要入手。想要攻讀 Chase Ultimate Rewards 如何使用，請參考 frequent miler。 […]
Does anyone know when Chase will be dropping Expedia (with their acquisition of CX Loyalty)?
[…] Read all about Chase Ultimate Rewards points here: Chase Ultimate Rewards Complete Guide 2020. […]
[…] does charge foreign transaction fees so leave it at home when traveling internationally. See our Chase Ultimate Rewards Guide for more […]
[…] The Freedom Unlimited card is unique among Chase’s Ultimate Rewards cards in that you’ll earn a minimum of 1.5 points per dollar for all spend while also earning 3 to 5 points per dollar within specific bonus categories. Chase advertises the Freedom Unlimited as a cash back card, but it actually earns Ultimate Rewards points. When paired with a premium card, the points earned with the Freedom Unlimited card become more valuable. You can freely move your points to a premium card in order to get better than 1 cent per point value for travel. For example, if you move points to a household member’s Sapphire Reserve card, you can get 1.5 cents per point value. In that situation, the Freedom Unlimited earns between 2.25% (1.5 cents per point X 1.5 points per dollar) and 7.5% in rewards! See our Chase Ultimate Rewards Guide for details. […]
[…] See also: Chase Ultimate Rewards Complete Guide […]
[…] Since the Amex gold card earns 3 additional points for grocery purchases when compared to either the Sapphire Preferred or Sapphire Reserve, you would look at the “+3” row to see the cents per point value you would get by using your Sapphire card and then paying yourself back with points. With the Sapphire Preferred card you would get 1.2 cents per point value and with the Sapphire Reserve you would get 1.44 cents per point value. Either way, that’s far more value than most points program offer to cash out points so I’d argue that for most people it’s still worth it (unless you’re keeping your points for more valuable transfer partners) […]
[…] all-new Chase Freedom Flex Mastercard is now live. Within Chase’s family of Ultimate Rewards cards, this one replaces the Freedom Visa. The Freedom Visa was a good card thanks to its rotating 5X […]
[…] All you wanted to know about the Chase Ultimate Rewards 2020 Guide. […]