Ultimate Rewards Apple, gift card, and more redemption bonuses for November 2021

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Chase has announced redemption bonuses on all of the cards that earn Chase Ultimate Rewards for the month of November 2021. Each of the currently-available Chase Ultimate Rewards cards are offering greater value for redemption toward Apple products purchased from the Apple Ultimate Rewards® store and the Chase Freedom family of cards is also offering bonuses on gift card redemptions, shop through Chase, and Pay Yourself Back through a promotion called “Chase Freedom Month of More”.

The Deal

  • Chase has announced the following redemption bonuses for cards that earn Ultimate Rewards:
    • Freedom, Freedom Unlimited, Freedom Flex, and Freedom Student

      • Starting Nov. 1 – Nov. 30, 2021:
        • Apple redemptions: Points are worth 10% more when redeemed for Apple products through Ultimate Rewards
        • Gift Card Redemptions: 10% off when you redeem for select gift cards(through 11/30/21) (includes Home Depot, Sephora, Bath and Body Works, Adidas, Barnes & Noble, Happy Holidays (multi merchant), Petco, Spafinder, TopGolf, Applebee’s, Red Robin, Chilis, Domino’s, Boscov’s, DoorDash, Academy Sports, and more.)
        • Shop Through Chase: Various offers above 5% bonus cash back from select stores (through 11/30/21) (includes Macy’s (5%), Chewy (5%), Under Armour (8%), Nike (5%), Lancôme (5%), Kiehl’s (5%), Harry & David (5%))
        • Pay Yourself Back: 10% extra value when you redeem for wholesale club and department store purchases through Pay Yourself Back from 11/1/21 until 12/31/21, up to a maximum of $500 in each category.
        • See this page for more on “Chase Freedom Month of More”
    • Sapphire Preferred

      • Starting Nov. 1 – Nov. 30, 2021: Points are worth 25% more when redeemed for Apple products through Ultimate Rewards
    • Sapphire Reserve

      • Starting Nov. 1 – Nov. 30, 2021: Points are worth 50% more when redeemed for Apple products through Ultimate Rewards
    • Ink Business Cash, Ink Cash and Ink Business Unlimited
      • Starting Nov. 1 – Nov. 30, 2021: Points are worth 10% more when redeemed for Apple products though Ultimate Rewards
    • Ink Business Preferred and Ink Plus

      • Starting Nov. 1 – Nov. 30, 2021: Points are worth 25% more when redeemed for Apple products though Ultimate Rewards
    • JPMorgan Reserve

      • Starting Nov. 1 – Nov. 30, 2021: Points are worth 50% more when redeemed for Apple products through Ultimate Rewards

Quick Thoughts

Apple fans will be glad to see the return of increased value toward Apple products. Sapphire Reserve cardholders can redeem points at a value of 1.5c per point toward things like an iPad or Macbook.

Those with the various Freedom cards also get access to slightly better than 1cpp value, though probably not enough to entice those with the more premium cards to redeem at around 1.1cpp. The addition of wholesale clubs and departments stores for Freedom card Pay Yourself Back through 12/31/21 is perhaps a good option if you’re looking to cash out your points and you are happy with 1.1cpp in value for those things rather than 1cpp in straight cash back.

I still prefer transferring to partners, but it is hard to beat the “joy of free”, which will surely spread to a few more people this holiday season thanks to these redemptions.

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Jeff

Tried to buy Home Depot gift cards…about 5 different times. Keep getting “We’re unable to process your order at this time.” Did 1 x $200, same issue. Did 2 x $200, same issue…