chase ultimate rewards travel faq

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Credit Cards

Guide to Chase Ultimate Rewards

Ariana Arghandewal

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 3:30 p.m. UTC March 29, 2024

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In a world of complicated award programs, the Chase Ultimate Rewards® program stands out, thanks to flexible rewards, excellent redemption options and an exceptional credit card lineup. 

Whether you’re looking to travel the globe in first class, save up points for a domestic trip or simply pocket the earnings for another use, the Ultimate Rewards program can help you meet your goals. Here’s everything you need to know about how to use and maximize the program, including what credit cards earn these points and how you can redeem the points you earn:

Chase Ultimate Rewards overview

Ultimate Rewards is the name for Chase Bank’s loyalty currency, offered on several Chase consumer and business credit cards. The cards that earn Ultimate Rewards points have elevated rewards categories and typically offer benefits geared towards travelers like certain types of insurance and purchase protections.

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Chase Ultimate Rewards credit cards

Chase currently offers two personal credit cards and one small business card that earn Ultimate Rewards points. Plus, Chase issues other cards that are marketed as earning cash back, but allow you to pool your rewards with a premium Ultimate Rewards-earning card if you have one.

The following are the three Ultimate Rewards cards:

And the following cards allow you to pool rewards if you have one of the premium cards above:

• Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Chase Freedom Unlimited®
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

Earning Chase Ultimate Rewards

You can earn Chase Ultimate Rewards by:

• Spending on an eligible credit card. Any purchase made on an eligible Chase card will earn Ultimate Rewards points.
• Earning a welcome bonus on a new card. Getting a welcome bonus on a new card that earns Ultimate Rewards can jumpstart your points accrual.
• Making purchases through the Shop with Chase shopping portal. To access the Chase shopping site, log in to your account and navigate to the box where it shows your Rewards balance. Click on the “>” symbol in the box and you’ll be taken to a screen where it shows you the link to click to access the Shop with Chase site, as well as other redemption options.

Redeeming Chase Ultimate Rewards

Cardholders can redeem their Ultimate Rewards points by logging in to their account, selecting the card account on which the rewards were earned and navigating to the Rewards box on the top right of their screen. Selecting the “>” symbol in the Rewards box will take you to the Ultimate Rewards page, which displays all the options for your points. Your options may vary slightly depending on which card you hold. 

Redemption options include:

Transferring Chase points to eligible travel partners is typically the preferred option for savvy travelers, as you can transfer the points at a 1:1 rate to 14 airline and hotel loyalty programs and redeem them for potentially greater value. Partners are as follows:

• Aer Lingus AerClub
• Air Canada Aeroplan
• British Airways Executive Club
• Emirates Skywards®
• Flying Blue AIR FRANCE KLM
• Iberia Plus
• IHG One Rewards
• JetBlue TrueBlue
• Marriott Bonvoy
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club
• World of Hyatt

Other ways to earn Ultimate Rewards points

Chase offers additional ways to earn Ultimate Rewards besides spending on your own card and opening new cards for the welcome bonuses. You also have the opportunity to earn points in the following ways:

• Referring someone for a Chase credit card through the issuer’s “ Refer a Friend ” program. Chase cardholders can earn extra Ultimate Rewards points by referring friends. When your friend is approved for a credit card, you’ll earn bonus points that will vary based on the card.
• Adding an authorized user. Any points earned by an authorized user on your account will go to your Ultimate Rewards account. On most Chase cards, authorized users don’t carry any additional cost, with the exception being the Sapphire Reserve — which has a $75 annual fee per authorized user. But note, each authorized user also gets their own Priority Pass Select membership, which would otherwise cost up to $469 annually.
• Combining points from another eligible card. When you hold a Chase Freedom Unlimited , Chase Freedom Flex , Ink Business Cash or Ink Business Unlimited credit card you can move the rewards earned from any of those cards to your Ultimate Rewards account. This offers the chance to earn even more rewards by using different cards for different purchases based on which offers the highest rewards rate for the type of purchase you’re making.
• Using Chase Dining. Chase Sapphire Reserve cardholders who book a prepaid reservation or takeout order through Chase Dining will earn 10 points per dollar spent.
• Booking rides with Lyft. Cardholders with the Chase Sapphire Reserve will earn 10 point per dollar when they use their card to pay for a Lyft rideshare. Cardholders of the Chase Sapphire Preferred will earn 5 points per dollar this way.

*The information for these cards has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. 

Frequently asked questions (FAQs)

Chase Ultimate Rewards can be used for various things, including booking travel, transferring to other loyalty programs, statement credits, deposits into a bank account, shopping at select retailers, redeeming for gift cards and more. 

Arguably the best use of Ultimate Rewards is to transfer them to one of Chase’s hotel or airline travel partners and book luxury travel. You’ll often get outsized value of well over a penny per point this way.

You can earn 10 points per dollar with Chase Ultimate Rewards if you have a Chase Sapphire Reserve card. Cardholders earn 10 points on Lyft rides, Chase Dining purchases, and hotels and rental cars booked through the Chase Travel portal.

The value of 50,000 Chase points depends on the card you have and how you redeem your points. Points are worth a minimum of $500 as cash back, $625 toward travel booked through Chase Travel with the Chase Sapphire Preferred and $750 for Sapphire Reserve cardholders. You can likely get even more value from your points by transferring them to an eligible airline or hotel loyalty program, then redeeming them for luxury travel.

Booking through Chase Travel can be worth it if you want an easy way to earn or redeem Ultimate Rewards points. You can use your points to book flights, hotels, car rentals, and more. You can even enter your frequent flyer number to earn airline miles on flights. 

Depending on the type of card you have in your wallet, you can earn extra rewards for booking through Chase Travel. Sapphire Reserve cardholders earn 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Travel℠ after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases. Sapphire Preferred cardmembers earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. Finally, Chase Freedom Unlimited and Freedom Flex cardholders earn effectively the same rate on Ultimate Rewards travel bookings as those with the Sapphire Preferred card.

The answer to this question depends on your individual preferences and needs. If travel is expensive, then it’s probably better to redeem Chase points than pay cash. However, if you’re traveling during off-peak season or find an exceptional deal, paying cash and saving your points for a later redemption might make more sense.

*The information for the Chase Freedom Flex℠ and Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ariana Arghandewal is a travel hacker and travel rewards expert who leverages credit cards to earn over a million miles every year. She is the founder of Pointchaser, an award-winning blog where she covered rewards travel and credit cards since 2012.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Chase Ultimate Rewards guide

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Key takeaways

• The Chase Ultimate Rewards program is the premier points program for Ultimate Rewards-earning Chase credit cards.
• Through the Chase Travel portal, certain cardholders can score heightened points value toward travel, whether it be by redeeming for travel with specific Chase cards or transferring to high-value Chase transfer partners.
• You can earn Chase Ultimate Rewards points by spending with an eligible Chase card, spending in Chase’s shopping portal, referring a friend to a Chase card and more.
• You can redeem points in a variety of ways, including for statement credits, cash back, gift cards, travel and more.

Chase Ultimate Rewards is arguably the most popular and flexible travel rewards program on the planet, and it’s easy to see why. Rewards credit cards that operate within this dynamic program let you rack up points good for cash back, statement credits, gift cards or travel. You may even be able to turn your Chase Ultimate Rewards points into other rewards currencies using the 1:1 point transfer option, although this option depends on the card you have.

If you’re in the market for a new rewards credit card , and you’re curious how a flexible card might work in your favor, you’re in the right place. Keep reading to find out how Ultimate Rewards points work, how you can earn them and the best ways to redeem these rewards for superior value.

What are Chase Ultimate Rewards points?

Ultimate Rewards points are a rewards currency you earn by using any eligible Chase credit card . How many points you earn depends on the type of card you have and the rewards structure for that card.

For instance, some Chase cards offer more points on spending toward travel, dining, grocery spending and others. Other cards from the issuer offer additional rewards based on rotating bonus categories , which change from quarter to quarter.

Although there are plenty of opportunities to earn points in the Ultimate Rewards ecosystem, cardholders are typically most excited about the multiple redemption options that include cash back, statement credits, gift cards, Amazon.com and PayPal purchases and, of course, travel. Travel redemption is especially attractive with premium travel cards like the Chase Sapphire Reserve®, which can boost your rewards’ value by 50 percent in certain cases.

This guide will help you understand what the Ultimate Rewards program entails and how to get the most out of it.

Chase credit cards that earn Ultimate Rewards points

There are plenty of options in the Chase family of cards that allow people to earn Ultimate Rewards points. Here are some we like, along with the reasons we like them:

Chase Sapphire Preferred Card: Best for occasional travelers

Rewards highlights.

• 5X points on travel through Chase Travel
• 5X total points on Lyft Rides through March 2025
• 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
• 2X points on other general travel
• 1X points on other purchases

Why we like this card

The Chase Sapphire Preferred® Card stands out due to its generous rewards structure that focuses on many everyday spending categories, like dining and online grocery purchases.

As a welcome bonus, you’ll get 75,000 points after you spend $4,000 on purchases in the first three months from account opening. This bonus can be worth over $900 when redeemed through Chase Travel℠, due to the fact that the Sapphire Preferred offers a 25 percent boost on your points when redeeming for travel via Chase’s portal. Note, a $95 annual fee applies for this card.

Chase Sapphire Reserve: Best for luxury travel perks

• 10X total points on Lyft purchases through March 2025
• 10X points on Chase Dining purchases, hotel stays and car rentals through Chase Travel℠
• 5X points on air travel through Chase Travel℠ (after earning your $300 travel credit)
• 3X points on general travel and restaurant purchases (after earning your $300 travel credit)
• 1X points on all other purchases

Even though there’s a hefty $550 annual fee, you’ll get plenty of luxury travel benefits with the Chase Sapphire Reserve® . For starters, you’ll earn 75,000 bonus points if you spend $4,000 in the first three months. And if you redeem your bonus for travel via the Chase Travel portal, it’s worth 50 percent more.

Beyond the sign-up bonus and exceptional earning categories this card offers, cardholders receive an annual $300 travel credit , up to a $100 credit for Global Entry or TSA PreCheck membership and Priority Pass Select airport lounge membership. It’s a great card for frequent travelers who are looking for top-of-the-line perks and benefits for their travel card.

Chase Freedom Unlimited: Best for flat-rate rewards

• 5 percent cash back on travel purchased through Chase Travel
• 5 percent cash back on Lyft purchases through March 2025
• 3 percent cash back on dining and drugstore purchases
• 1.5 percent cash back on all other purchases

The Chase Freedom Unlimited®  is a great option for all your everyday spending since you earn at least 1.5 percent cash back for each dollar you spend, plus 5 percent back on travel booked through the Chase Travel portal and on Lyft rides through March 2025. Plus, you’ll technically earn Ultimate Rewards points with this card.

You’ll also get 3 percent cash back on all dining and drugstore purchases, and there’s no annual fee . Just remember that you’ll have to pair this card with a travel credit card (like the Chase Sapphire Preferred or Reserve if you want to be able to transfer your points to Chase airline and hotel partners.

Chase Freedom Flex: Best for rotating categories

• 5 percent cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent back)
• 5 percent cash back on travel purchased through Chase Travel℠
• 5 percent cash back on Lyft rides through March 2025
• 3 percent cash back on dining (including restaurants, takeout and eligible delivery services) and drugstore purchases
• 1 percent cash back on all other purchases

The Chase Freedom Flex℠ * is a good option if you want to earn bonus rewards in categories that change every quarter. On top of the $200 in bonus cash back you can earn when you spend $500 within three months of account opening, you can also earn 5 percent cash back on up to $1,500 spent in activated rotating bonus categories each quarter (then 1 percent back).

Like the Chase Freedom Unlimited, you’ll need to pair this card with a premium travel credit card from Chase if you want to transfer your points to Chase Ultimate Rewards transfer partners. Note, this card also technically earns Ultimate Rewards points.

Ink Business Preferred: Best travel credit card for business

• 3X points on the first $150,000 spent on travel and select business categories each account anniversary year (then 1X points)

If you’re looking for a business credit card that lets you earn rewards for travel on all your business purchases, the Ink Business Preferred® Credit Card is an excellent choice.

Not only do you earn exceptional rewards in an array of business-related categories, but you can also start off with 100,000 Chase Ultimate Rewards points when you spend $8,000 on your card within three months of account opening. The annual fee on this card is $95, and you can transfer your points to Chase airline and hotel partners, as well.

What are Chase Ultimate Rewards points worth?

Generally speaking, Chase Ultimate Rewards points are worth 1 cent each when redeemed for gift cards, cash or statement credits. There are some exceptions, however, that vary by card, as well as redemption options that can help you get significantly more value for your rewards.

For example, the Chase Sapphire Preferred offers 25 percent more value for your points when you redeem them for travel through the Chase Travel portal, and the Chase Sapphire Reserve gives you 50 percent more value with this option. In this case, 100,000 points are worth $1,250 and $1,500 toward travel, respectively.

Also, transferring points to Chase airline and hotel partners gives you another opportunity to get more than 1 cent per point in value. Currently, Chase Ultimate Rewards points are worth around 1.0 cents, according to monthly points and miles valuations by Bankrate . In the end, your true point value will depend on how you redeem your rewards after you transfer them to another program.

How to earn Chase Ultimate Rewards points

Fortunately, there are plenty of ways you can not only earn Ultimate Rewards points but also maximize those earnings with some strategic spending. Here are some ways to optimize your rewards.

Spend on an eligible Chase credit card

The simplest way to earn Ultimate Rewards points is by spending money with your eligible Chase credit card. Make sure you understand the rewards structure of your particular card, and be especially careful to use it for categories where you’ll earn the most.

For instance, you could use your Chase Sapphire Preferred for online grocery shopping to earn 3X points and the Chase Sapphire Reserve to earn 5X points on your air travel spending through the Chase portal.

Sign up for the Chase trifecta

Credit card trifectas are a card-combining strategy that can help you earn more rewards. The Chase trifecta typically includes a consumer travel card, an entry-level rewards card and a business credit card. A common trio might include the Chase Freedom Unlimited, Chase Sapphire Reserve and Ink Business Preferred, for example.

With this card combination, you could use the Freedom Unlimited for most purchases and transfer your rewards to the Sapphire Reserve for a redemption bonus. With the Ink Business Preferred in your wallet, you would also be earning rewards on your business-related purchases .

Use Shop through Chase

If you frequently shop online, you should check the Shop through Chase portal for additional opportunities to earn Ultimate Rewards points. Shop through Chase is accessible by logging in to your Chase credit card account and visiting the Ultimate Rewards portal.

Once there, you’ll see plenty of deals with well-known brands and retailers, along with the opportunity to earn additional points per dollar spent. Select a special offer, and you’ll be taken to the retailer’s website, where you can make your purchases and earn your rewards.

Refer-a-Friend

Chase offers bonuses for friends that use your referral link or code to open a credit card with Chase. These bonuses vary by card, but in many cases, they are doled out in the form of Ultimate Rewards points.

How to redeem Chase Ultimate Rewards points

To redeem your Ultimate Rewards points , log in to your Chase credit card account and access the Chase Travel portal. From there, use the menu to select how you’d like to use your points. Here’s a rundown of your redemption options:

Gift cards, statement credits or cash back

You’ll be able to redeem your points for statement credits or cash back at a rate of 1 cent per point. Gift card options are also available, generally at 1 cent per point in value. Chase sometimes offers special deals on gift cards that can net you more than 1 cent per point in value, although these offers frequently change.

Merchandise

Redeeming your points for purchases made through Apple.com or Amazon.com can help you save money on big-ticket items and pricey electronics. If you’re in the market for a smartphone or new computer, this could be a good option.

Travel through the Chase portal

In addition to redeeming for gift cards, merchandise and statement credits or cash back, all Chase Ultimate Rewards-earning cards let you use points to book travel through the Chase portal .

If you want to redeem your points for travel, you can search for available flights or hotels through the Chase Travel portal, which partners with Expedia.com. You can also redeem points in the portal for cruises, vacation rentals, rental cars and experiences or activities.

Choose your destination and dates to get a list of options, as well as how many points each option requires. If you don’t have enough points, you can make up the difference in cash.

Chase Dining

Sapphire-branded Chase cards also let you redeem your rewards for Chase Dining options. These redemptions allow you to use points for curated dining experiences, home meal kits and more. Redemption values vary, and options frequently change.

Chase Ultimate Rewards partners

If you have the Sapphire Reserve, Preferred or Ink Business Preferred, you’ll see the option to “transfer to travel partners.”

All Chase transfer partners let you transfer points at least a 1:1 ratio and, in some cases, a little more. We’ll take a closer look at Chase transfer partners further below.

How to transfer Chase Ultimate Rewards points

If you’d like to transfer your Chase Ultimate Rewards points to hotels or airlines, log in to your Chase credit card account and access the Chase Travel portal. The menu gives you the option to transfer points to travel partners, and from there, you can select your preferred airline or hotel and transfer your points. Points typically transfer at a 1:1 value, so if you’re turning your points into airline miles, 1 point will equal 1 mile.

Once you decide on a transfer partner, you’ll be required to transfer Chase Ultimate Rewards points in increments of 1,000. This can sometimes mean you have to transfer more points than you actually need, but it’s still mostly a fair way to make point transfers happen. You shouldn’t wind up wasting too many points when you transfer in increments of 1,000, and you can always transfer more points to use toward another redemption later.

Here’s a list of Chase transfer partners to choose from:

Airline partners

• Air France / KLM Flying Blue
• Air Canada Aeroplan
• British Airways
• Iberia Plus
• Singapore Airlines KrisFlyer
• Southwest Rapid Rewards
• United MileagePlus
• Virgin Atlantic

Hotel partners

• IHG Rewards Club
• Marriott Bonvoy
• World of Hyatt

Frequently asked questions

Do chase ultimate rewards points expire, what are the chase freedom flex bonus categories for 2024, the bottom line.

Many credit card holders default to a specific rewards type, and if you’re the type that always requests a statement credit, for example, you might be missing out on the chance to turn your points into something more valuable.

Before you redeem your points or cash back through the Chase Travel portal, take some time to explore the portal and all of its reward options and benefits. Once you know which options are available based on the card you have, you’ll be better equipped to make informed choices and get the most out of your Chase Ultimate Rewards.

*The information about the Chase Freedom Flex℠ has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Related Articles

Shop Through Chase guide

Chase Freedom Unlimited benefits guide

How to use the Chase Ultimate Rewards travel portal

How to maximize your rewards with Chase Offers

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How Much Are Chase Ultimate Rewards Points Worth? [32 FAQs]

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Table of Contents

32 faqs about chase ultimate rewards points, final thoughts.

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If you’re looking to level up your credit card rewards game, you may have come across Chase Ultimate Rewards.

Using this rewards currency is one of the absolute best ways to get as much bang for your buck through your normal credit card spending as possible.

And with a wide array of ways to use your Ultimate Rewards points, the question is: how much are Chase Ultimate Rewards points worth?

In this guide, we’ll show you how much they’re worth, exactly, as well as answer some of your most burning questions about Chase Ultimate Rewards.

Let’s get right into it!

1. What Is Chase Ultimate Rewards?

Chase Ultimate Rewards is the proprietary rewards currency that Chase offers on some credit cards.

Currently, these are the main credit cards that will earn Chase Ultimate Rewards points :

• Chase Sapphire Reserve ®
• Chase Sapphire Preferred ® Card
• Ink Business Preferred ® Credit Card
• Ink Business Plus ® Credit Card (no longer open to new applicants)

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Chase Ultimate Rewards

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel SM .
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel SM  immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel SM . For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass TM  Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: $0

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• No elite travel benefits like airport lounge access
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable

There are also a handful of other credit cards that earn Chase Ultimate Rewards points but require one of the credit cards listed above to unlock the full list of redemption options:

• Chase Freedom Flex℠
• Chase Freedom Unlimited ®
• Chase Freedom ® card (no longer open to new applicants)
• Chase Freedom Rise℠ Credit Card
• Chase Sapphire ® Card (no longer open to new applicants)
• Ink Business Cash ® Credit Card
• Ink Business Unlimited ® Credit Card

The points you earn on these credit cards are known as Ultimate Rewards points .

2. Is Chase Ultimate Rewards Worth It?

In our minds, Chase Ultimate Rewards is completely worth it.

Because of its unique partnerships with loyalty programs, including United MileagePlus and World of Hyatt, as well as the flexibility of the points to be used for other travel expenses or cash-back, we think Ultimate Rewards is worth it.

Plus, those credit cards above allow you to earn a ton of Ultimate Rewards points quickly, up to 10x points per dollar spent!

You can get rewarded in common categories like dining, travel, online grocery purchases, streaming, and so much more.

So yes, Chase Ultimate Rewards is worth it .

3. How Do I Access My Chase Ultimate Rewards?

You can access your Chase Ultimate Rewards in 3 ways:

• On the Chase website
• In the Chase app
• Over the phone

If you’re on the website or mobile app, log in to your Chase account and select your credit card. Then, you’ll find an area that displays your Ultimate Rewards points balance, along with a button that says  Redeem . Click  Redeem .

You’ll be redirected to the Ultimate Rewards dashboard. From there, you can browse and access your Chase Ultimate Rewards points.

4. How Much Are Chase Sapphire Reserve Points Worth?

The Chase Sapphire Reserve card earns Chase Ultimate Rewards points. It’s most famous for offering a 50% redemption bonus on travel booked through the Chase Travel portal , which makes your points worth a fixed 1.5 cents each . Pay Yourself Back gives a value of 1.25 to 1.5 cents per point.

However, you can transfer your points to Chase transfer partners at a 1:1 ratio to book luxury business and first class flights, as well as high-end hotel stays. That way, you can get anywhere from 1.6 to more than 5 cents per point of value from your Chase Sapphire Reserve card’s points.

However, because the value of your points is dependent on how exactly you use your points, we’ve assigned a value of 2 cents per point to the Chase Sapphire Reserve card’s points.

5. How Much Are Chase Sapphire Preferred Card Points Worth?

The Chase Sapphire Preferred card also earns Chase Ultimate Rewards points. In fact, if you have both the Chase Sapphire Preferred card and Chase Sapphire Reserve card, you can combine your points!

With the Chase Sapphire Preferred card, there’s a slightly lower 25% redemption bonus on travel booked through Chase Travel, giving you a value of 1.25 cents per point. Pay Yourself Back gives a value of 1 to 1.25 cents per point.

Just like the Chase Sapphire Reserve card, though, the Chase Sapphire Preferred card’s points can be transferred to travel partners for even better value at a 1:1 ratio.

This way, the points from the Chase Sapphire Reserve card could be worth the same as the Chase Sapphire Preferred card . With the right partners, you can get much more than 1.5 cents per point, perhaps closer to 1.6 to 5 cents per point!

We peg the Chase Sapphire Preferred card’s points at around 2 cents each even though the value can swing wildly.

6. How Much Are Chase Freedom Card Points Worth?

The points on the Chase Freedom card, Freedom Flex card, and Freedom Unlimited card are all Ultimate Rewards points. However, there’s a bit of a twist.

If you  only have these cards, you can only use your points for cash-back, since these are cash-back credit cards. So those points are worth a simple 1 cent per point .

But if you have a card like the Chase Sapphire Preferred card along with the Freedom Unlimited card, for example, then you can move your points from the Freedom Unlimited card to the Chase Sapphire Preferred card to get much better value.

7. How Much Are Chase Freedom Unlimited Card Points Worth?

The Freedom Unlimited card’s points are worth 1 cent each.

But if you are clever and also have a Chase Sapphire Reserve card or Ink Business Preferred card, you can convert your Freedom Unlimited card rewards to the true Ultimate Rewards points and get much better value.

For example, if your Freedom Unlimited card has 20,000 points, it would be worth $200 if you didn’t have any other Chase credit card.

But if you also had the Ink Business Preferred card, you can move those 20,000 points from your Freedom Unlimited card to the Ink Business Preferred card, which can then be transferred to hotels and airlines for fantastic value.

To illustrate our point, if you then transfer those 20,000 Ultimate Rewards points to World of Hyatt, you may be able to book a $500 hotel stay for just 20,000 points, which would make your points worth 2.5 cents each.

8. How Much Are Chase Ink Points Worth?

When you have the Ink Business Preferred card , your Chase Ultimate Rewards points can be worth up to 5 cents per point when used well.

But if you only have the Ink Business Cash card or Ink Business Unlimited card , your rewards are just worth a flat value of 1 cent per point .

The points you accumulate on all of the Ink cards are still Ultimate Rewards points, which means you can access some fantastic value if you combine and redeem your points strategically.

The Ink Business Preferred card is similar to the Chase Sapphire Preferred card in that you can get a 25% redemption bonus on travel booked through the Chase Travel portal and for select categories in Pay Yourself Back.

Also, the Ink Business Preferred card’s Ultimate Rewards points can be transferred to travel partners for enhanced value between 1.6 to 5 cents or more per point!

And even though the value of your points can fluctuate significantly, we peg them around 2 cents each.

9. How Much Are 1,000 Chase Points Worth?

Based on our valuation of Chase points at around 2 cents each, 1,000 Chase points would be worth around $20 .

Unfortunately, 1,000 Chase points can’t be used for much besides cash-back, statement credits, or Pay Yourself Back.

All of these redemptions will lead to a lower redemption value of 1 to 1.5 cents per point. That would translate to a value of $10 to $15 for 1,000 Chase points.

10. How Much Are 5,000 Chase Points Worth?

We value Chase Ultimate Rewards points at 2 cents apiece, which means 5,000 points are worth $100 .

It’s still not easy to use 5,000 Chase points for anything besides cash-back, Pay Yourself Back, or gift cards.

All of these will lead to a redemption value of 1 to 1.5 cents each, which translates to a return on spending of $50 to $75.

You might be able to use 5,000 Chase points for a super-cheap flight through the Chase Travel portal on an airline like Spirit or Frontier, which can give you up to $75 of redemption value if you have the Chase Sapphire Reserve card.

11. How Much Are 10,000 Chase Points Worth?

An amount of 10,000 Chase points is worth around $200 by our valuation. Of course, valuations aren’t exact since the value you get is totally contingent on how you use your points.

For example, if you transfer 10,000 Chase points to World of Hyatt, you could potentially book a hotel room costing $250, which would get you a value of 2.5 cents per point.

On the other hand, if you use 10,000 Chase points from your Chase Sapphire Reserve card to book a $150 flight on the Chase Travel portal, you’ll get a value of 1.5 cents per point.

12. How Much Are 20,000 Chase Points Worth?

With 20,000 Chase points, you have rewards worth around $400 , according to our valuation of 2 cents each.

If you have 20,000 Chase points, that could be enough for 2 nights at a hotel like the Hyatt Regency Danang Resort and Spa in Vietnam, which can easily be worth $500. That would give you a value of 2.5 cents per point.

Alternatively, if you use 20,000 Chase points for a domestic flight through the Chase Travel portal, you will get up to 1.5 cents per point of value.

13. How Much Are 50,000 Chase Points Worth?

According to our valuation of 2 cents each, 50,000 Chase points are worth around $1,000 .

You could use 50,000 Chase points for a one-way business class flight on ANA to Japan, which often retails for $4,000 or more!

On the flip side, if you use 50,000 Chase points on flights booked through the Chase Travel portal, you’ll only get a maximum value of $750 with the Chase Sapphire Reserve card.

14. How Much Are 60,000 Chase Points Worth?

You can get a $1,200 value out of 60,000 Chase points , according to our valuation of 2 cents each.

But the truth is you can use 60,000 Chase points for a one-way ANA first class flight from the U.S., including the East Coast. And if you look up the flight prices, we’re talking about a value of up to $15,000!

Otherwise, flights booked through the Chase Travel portal will get you a value of up to $900, assuming you can get a fixed value of 1.5 cents per point through the Chase Sapphire Reserve card’s 50% redemption bonus.

15. How Much Are 80,000 Chase Points Worth?

Using 80,000 Chase points is worth $1,600 , according to our valuation of 2 cents each.

Your 80,000 Chase points could also be worth a business class flight to Africa or the Middle East , which often sell for $10,000 or more.

If you use your points for flights through the Chase Travel portal, 80,000 points will be worth between $800 to $1,200.

16. How Much Are 100,000 Chase Points Worth?

A collection of 100,000 Chase points is worth $2,000 , according to our valuation of 2 cents each.

With 100,000 Chase points, you could have enough for a round-trip business class flight to Japan or Europe, which is a tremendous value. This could have a cash equivalent anywhere from $7,000 to $14,000.

Redeeming those 100,000 Chase points through the travel portal will get you a value of $1,000 to $1,500, depending on which card you have.

17. How Many Chase Points Is $1,000?

If you use your Chase points for travel through the Chase Travel portal , you’ll need to redeem anywhere from 66,667 to 100,000 Chase points to get $1,000 .

And if you decide to transfer your Chase points to book a luxury hotel stay at Hyatt , you’ll probably redeem around 30,000 to 50,000 Chase points for $1,000 of value .

If you decide to transfer your Chase points to airlines, you could get $1,000 of value through domestic flights with around 50,000 to 70,000 Chase points .

Lastly, if you transfer your Chase points to airline partners and book luxury business or first class flights , you can redeem around 60,000 Chase points to get $3,000 of value, which would translate to using only 20,000 Chase points to get $1,000 .

18. What Can You Redeem With Chase Ultimate Rewards?

Chase Ultimate Rewards are some of the most flexible points out there. Here are the ways you can redeem Chase Ultimate Rewards points (ranked from highest to lowest value):

• Transfer to airline and hotel partners
• Travel booked through Chase Travel
• Pay Yourself Back
• Statement credit/cash-back
• Apple purchases
• Amazon.com purchases
• Online shopping

19. Are Chase Points Transferable?

Yes, Chase points are transferrable to airlines and hotels. You can transfer to these airlines and hotels:

Airline Transfer Partners

Hotel Transfer Partners

Just remember that you’ll need to have the Chase Sapphire Reserve card, Chase Sapphire Preferred card, Ink Business Preferred card, or Ink Business Plus card (no longer open to new applicants) to have the ability to transfer your points to airlines or hotels.

20. How Much Are Chase Points Worth in Cash?

Chase points are worth 1 cent per point when redeemed for cash-back or statement credits, regardless of which credit card you have.

So that means you’ll need to redeem 100 points to get a dollar in cash-back.

21. How Much Are Chase Points Worth for Travel?

If you have the Chase Sapphire Reserve card, you can get 1.5 cents per point for travel booked through the Chase Travel portal.

If you have the Chase Sapphire Preferred card or Ink Business Preferred card, you’ll get 1.25 cents per point for Chase Travel portal bookings.

If you have any other Chase card like the Freedom Unlimited card or the Ink Business Cash card, you’ll get a flat 1 cent per point for travel.

That means you’ll need to redeem 67 to 100 Chase points to get a dollar on travel.

22. How Much Are Chase Points Worth on Amazon?

Chase points are worth 0.8 cents per point when redeemed on Amazon, regardless of which credit card you have.

That means you’ll need to redeem 125 Chase points to get a dollar on Amazon.

23. How Much Are Chase Points Worth for Gift Cards?

Chase points are worth around 1 to 1.2 cents per point when redeemed for gift cards, regardless of which credit card you have.

Sometimes, Chase will offer sales for select merchants to get 10% to 15% off on certain gift cards.

This means you’ll need to redeem 83 to 100 Chase points to get a dollar in gift cards.

24. How Much Are Chase Points Worth on United?

Chase Ultimate Rewards points transfer to United at a 1:1 ratio, assuming you have the Chase Sapphire Reserve card, Chase Sapphire Preferred card, Ink Business Preferred card, or Ink Business Plus card (no longer open to new applicants).

And if you transfer to United, your points could be worth anywhere from 1 cent to 10 cents each . This huge spectrum is dependent on how you use your United miles .

If you use your United miles for short-haul flights in economy, you won’t get as good of a value as you would if you used your United miles for long-haul flights in first class.

That means you’ll need to redeem anywhere from 10 to 100 Chase points to get a dollar on United.

25. How Much Are Chase Points Worth on Southwest?

Chase Ultimate Rewards also transfers at a 1:1 ratio to Southwest, just like United (though you’ll need to have an eligible card to make those transfers happen).

In general, Southwest points are worth 1.3 to 1.5 cents per point , thanks to its fixed value system.

So you’ll probably need to use 67 to 77 Chase points to get a dollar on Southwest.

26. How Much Are Chase Points Worth on Pay Yourself Back?

Pay Yourself Back can give you a redemption value of 1 to 1.5 cents per point . So to get a dollar from Pay Yourself Back, you may need to redeem 67 to 100 Chase points.

For example, with the Chase Sapphire Reserve card, you can get 1.25 to 1.5 cents per point through Pay Yourself Back on select rotating categories.

With the Chase Sapphire Preferred card and Ink Business Preferred card, you’ll get 1 to 1.25 cents per point through Pay Yourself Back on rotating categories.

Lastly, with the Ink Business Cash or Ink Business Unlimited card, you’ll get 1.1 cents per point through Pay Yourself Back on select business categories.

27. How Much Are Chase Points Worth When You Transfer to Partners?

Chase points are generally worth the most when you transfer to partners. For example, if you transfer 25,000 Chase points to book a night at the Grand Hyatt Kauai , you could easily get $1,000 worth of redemption value, which is 4 cents per point.

Also, if you transfer 70,000 Chase points to book Qatar Airways Qsuites , you could easily get $6,000 worth of value, which is 8.6 cents per point.

If you transfer 60,000 Chase points to book United Polaris class , you could get around $4,000 of value, which is 6.7 cents per point of value.

However, you’re generally doing well if you can transfer your Chase points to partners and get a value of 2 cents per point .

28. Do Chase Points Expire?

As long as your Chase credit card is open and in good standing, your points do not expire.

After you close your card, you’ll have 30 days to redeem all of your points before they are forfeited.

If you’re planning on closing a Chase card but still have other Chase cards open, you can transfer your points to your other eligible Chase cards before closing your card without losing any points.

For example, if you have the Chase Sapphire Preferred card and the Ink Business Cash card but want to close the Ink Business Cash card, just move your points to the Chase Sapphire Preferred card before closing the Ink Business Cash card to avoid forfeiting your points.

29. What Is the Best Way To Redeem Chase Points?

The best way to redeem Chase points is to transfer them to travel partners. Here are some of our favorites:

• Transfer points to World of Hyatt for luxury hotel stays at properties like Grand Hyatt Kauai, Park Hyatt Maldives Hadahaa , Park Hyatt New York , and Alila Ventana Big Sur
• Transfer points to British Airways Executive Club for Qatar Airways Qsuites flights
• Transfer points to Singapore Airlines KrisFlyer for Singapore Airlines business class and first class flights
• Transfer points to Virgin Atlantic Flying Club for ANA business class and first class flights
• Transfer points to Air France-KLM Flying Blue for Air France or KLM business class flights
• Transfer points to Emirates Skywards for Emirates first class and business class flights

30. Are Chase Points or Amex Points Better?

We think that Amex Membership Rewards points (2.2 cents per point) are slightly more valuable than Chase points (2.0 cents per point).

But the complete picture is a bit more complicated. Chase enjoys the most important hotel transfer partnership with World of Hyatt, which makes it much easier to get outsized value on points for hotel stays.

On the other hand, there are many more Amex airline partners that might come in handy for a wider array of flights, whether you’re flying to Australia or Southeast Asia .

Nonetheless, we like the idea of having both types of points.

31. Are Chase Points or Capital One Miles Better?

Chase points are slightly more valuable (2.0 cents per point) than Capital One miles (1.8 cents per point).

And although the 2 programs share a lot of the same transfer partners like Air Canada Aeroplan and Air France-KLM Flying Blue, Chase edges out over Capital One slightly because of its partnership with World of Hyatt and United MileagePlus.

However, Capital One offers some exceptional value on vacation rental bookings through Wyndham Rewards . Unfortunately, though, Capital One doesn’t have a partnership with a U.S. airline, making it much more difficult to get great value on domestic flights.

32. Are Chase Points or Citi Points Better?

Chase points are significantly more valuable (2.0 cents per point) than Citi ThankYou Points (1.6 cents per point).

Citi isn’t lacking in the hotel department, thanks to a 1:2 transfer partnership with Choice Privileges (which can then be used to book stays at select Preferred Hotels around the world).

It’s just that Chase’s partnership with World of Hyatt consistently leads to higher redemption value.

Citi ThankYou Rewards also shares a good number of transfer partners , including Emirates Skywards and Air France-KLM Flying Blue. However, Chase also offers partnerships with Air Canada Aeroplan and United MileagePlus, making it a significantly stronger currency.

Overall, Chase Ultimate Rewards points are 100% worth it. The list of credit cards you can use to earn Chase Ultimate Rewards points has plenty of variety, and each card has its own specific use case.

For example, the Chase Sapphire Reserve card is best for travel, the Chase Sapphire Preferred card is best for dining, and the Ink Business Preferred card is best for advertising. These cards enable you to earn up to 10x points on certain purchases!

But what we really love about Chase is that its online website and mobile app make it easy to manage your credit cards and points.

We value Chase points at 2 cents each, but it’s possible to get worse or better value, depending on what you use your points for.

And even though we value them slightly less than Amex points, Chase points are still better than Capital One miles and Citi ThankYou Points.

The information regarding the Chase Sapphire ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the Ink Business Plus ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.  The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Rise℠ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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Chase Ultimate Rewards: How the Program Works

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Chase Ultimate Rewards® is the name of the points program for Chase's rewards credit cards. Among points systems, Chase's program is highly regarded because point values can be relatively high if used strategically to pay for travel.

Here’s what to know about earning and redeeming Chase Ultimate Rewards®.

» MORE: Chase credit cards mobile app review

In this article

Chase Ultimate Rewards®: The basics

How much are Chase Ultimate Rewards® points worth?

Credit cards that earn chase ultimate rewards®, other ways to earn chase ultimate rewards®.

Frequently asked questions and Chase Ultimate Rewards®

Earning Chase Ultimate Rewards points

You earn Chase Ultimate Rewards® points by making purchases with Chase-branded rewards cards — including the Sapphire travel cards, Freedom cash back cards and Ink business cards.

You earn at least 1 point per dollar spent on all purchases, and most (but not all) of these cards give you additional rewards for purchases made in certain categories. ( Jump ahead to see cards that earn Ultimate Rewards® points. ) Additional points are available through sign-up bonuses , targeted offers (e.g. 5 points per dollar at a particular merchant for a limited time) and incentives, such as bonuses for referring new applicants.

Cards issued by Chase with a brand partner — such as United Airlines, Amazon or Marriott — do not earn Ultimate Rewards® points. They earn rewards in the partner's loyalty program.

Chase's "cash-back" credit cards, such as the Chase Freedom Flex℠ , the Chase Freedom Unlimited® and the Ink Business Cash® Credit Card , actually earn Ultimate Rewards® points. With those cards, you just redeem your points for cash back.

The value of a Chase Ultimate Rewards® point varies depending on what you do with it — redeem for cash back, for travel or for something else. Further, when redeeming for travel, point values also depend on which cards you have.

Let's start with cash and cash-like redemption options. Point values for these redemptions are the same regardless of which card you have.

Redeeming Chase Ultimate Rewards points

Chase Ultimate Rewards® points can be exchanged for a range of redemptions, including

Gift cards.

Amazon purchases.

Apple purchases.

You may also be able to redeem for "experiences" — access to special events — if you have an eligible Chase card.

Cash redemptions

Cash back: This can take the form of a credit on your statement or a direct deposit at a rate of 1 cent per point , or 100 points for $1. There is no minimum redemption about.

Gift cards: Most cost the equivalent of 1 cent per point , but Chase often sells specific cards at a discount. For example, a $25 gift card for a specific retailer might cost 2,250 points instead of the full 2,500 points, a value of 1.1 cents per point.

Amazon payment: You can link your eligible Chase card to your Amazon account and use your card's rewards to pay through the Shop With Points program , at a rate of about 0.8 cents per point . That’s the lowest-value redemption option for Chase points and not recommended if you’re trying to maximize the value of your points. You’re better off just taking cash back at a full penny per point and using that money to pay for Amazon purchases.

Apple purchases: Redeem points for Apple merchandise through the Chase Ultimate Rewards® portal for 1 cent per point .

Travel redemptions

There are two ways to use Chase Ultimate Rewards® points for travel:

By booking your travel through Chase and paying for it with your points.

By transferring points to Chase's partner airline and hotel programs.

Booking travel through Chase

Chase has a travel-booking tool with competitive prices. The value you get per point depends on which card you have:

With cash-back cards, booking travel through Chase gets you a value of 1 cent per point . These include the Freedom-branded cards ( Chase Freedom® , Chase Freedom Unlimited® , Chase Freedom Flex℠ ) as well as the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card .

With the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card , booking travel through Chase gets you a value of 1.25 cents per point .

With the Chase Sapphire Reserve® , booking travel through Chase gets you a value of 1.5 cents per point .

Transferring points to Chase travel partners

With the Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® or the Ink Business Preferred® Credit Card , you can transfer your points on a 1:1 basis to about a dozen airline and hotel loyalty programs.

The exact value you get per point depends on which program you transfer to and how you redeem the points within that program, but NerdWallet estimates the overall transfer value at 2.2 cents per point.

Aer Lingus (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Emirates (1:1 ratio).

Iberia (1:1 ratio).

JetBlue (1:1 ratio).

Singapore (1:1 ratio).

Southwest (1:1 ratio).

United (1:1 ratio).

Virgin Atlantic (1:1 ratio).

Hyatt (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

Marriott (1:1 ratio).

» HOW THEY STACK UP: See how Chase Ultimate Rewards® points compare with other issuer programs on our points and miles valuations page . Or:

See our guide to American Express Membership Rewards .

See our guide to Citi ThankYou Points .

Card-to-card points transfers

Chase Ultimate Rewards® points earned on different cards can be pooled and redeemed together. That allows you to move points to one of the Sapphire cards or the Ink Business Preferred® Credit Card to redeem for outsize value.

For example, if you have the Chase Freedom Flex℠ , you can't redeem for travel at the higher rewards rate — just the usual 1 cent per point. But if you also have the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® , you can transfer your Chase Freedom Flex℠ points to either of those cards and redeem for the higher value (or transfer to a partner airline or hotel).

» MORE: What is the 'Chase trifecta'?

Chase Dining

Chase Dining launched in 2020 as a hub for Chase Sapphire, Freedom and Ink cardmembers. Powered by reservation website Tock, the program allows cardmembers to make reservations at participating restaurants and order takeout. Cardmembers can also redeem points for their food orders.

While all cardmembers earn rewards for purchases made through Chase Dining, cardholders earn an eye-opening rate of 10 points for each $1 spent on Chase Dining purchases.

Chase Experiences

For the Dinner on the Court series, cardmembers got the unique opportunity to walk onto the court and see the Golden State Warriors' championship trophies up close. (Photo by Sally French)

Ever since J.P. Morgan Chase’s 2021 acquisition of the restaurant website The Infatuation, cardholders have gotten increased access to exclusive invitations and unique experiences — many of which are related to dining. That includes events such as the “Dinner on the Court” series, where Chase Sapphire Reserve® cardmembers who bought tickets using either cash or Chase Ultimate Rewards® points got to dine in what was an incredibly-unique dinner experience on the court of San Francisco’s Chase Center, home of the NBA's Golden State Warriors.

Other experiences have included private dinners with celebrity chefs or VIP travel packages to big events such as Formula One races.

Many of these Chase Experiences and Chase Dining events are limited only to people who hold Chase's premium credit cards. For example, only people with the Chase Sapphire Reserve® could book the Dinner on the Court event.

Note: Chase's cash-back credit cards technically earn that cash in the form of Chase Ultimate Rewards®. One point equals 1 cent in those cases.

Chase Sapphire Preferred® Card

5 points per $1 spent on all travel booked through Chase.

3 points per $1 spent on dining (including eligible delivery services and takeout).

3 points per $1 spent on select streaming services.

3 points per $1 spent on online grocery purchases (not including Target, Walmart and wholesale clubs).

2 points per $1 spent on travel not booked through Chase.

1 point per $1 spent on other purchases.

Sign-up bonus: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

» READ OUR REVIEW of the Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

10 points per $1 spent on Chase Dining purchases.

10 points per $1 spent on hotel stays and car rentals booked through Chase.

5 points per $1 spent on air travel booked through Chase.

3 points per $1 spent on travel and dining not booked with Chase.

Sign-up bonus: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

» READ OUR REVIEW of the Chase Sapphire Reserve®

Chase Freedom Flex℠

5% cash back on rotating bonus categories, on up to $1,500 spent per quarter (cash back comes in the form of Chase Ultimate Rewards®).

5% cash back on travel purchased through Chase.

3% back at restaurants.

3% back at drugstores.

1% back on all other purchases.

Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» READ OUR REVIEW of the Chase Freedom Flex℠

The Chase Freedom Flex℠ replaced the original Chase Freedom® , but holders of the original card were able to keep using it. That card offers the same 5% in rotating categories and 1% elsewhere, but not the bonus rewards on travel, dining and drugstores.

Chase Freedom Unlimited®

1.5% on all other purchases.

Sign-up bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

» READ OUR REVIEW of the Chase Freedom Unlimited®

Ink Business Preferred® Credit Card

3 points per $1 spent on the first $150,000 per year in combined spending on travel and select business categories.

1 point per $1 spent on all other purchases.

Sign-up bonus: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.

» READ OUR REVIEW of the Ink Business Preferred® Credit Card

Ink Business Cash® Credit Card

5% cash back on office supply store purchases and internet, cable and phone services, on up to $25,000 spent per year combined.

2% back at gas stations and restaurants, on up to $25,000 spent per year combined.

Sign-up bonus: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

» READ OUR REVIEW of the Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

1.5% cash back on all spending.

Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

» READ OUR REVIEW of the Ink Business Unlimited® Credit Card

Online shopping through the Chase Ultimate Rewards® portal with any of these cards will earn extra points or cash back.

You can earn anywhere from 1 to 15 points per dollar spent, depending on the retailer.

» MORE: How to use credit card bonus malls

Chase Ultimate Rewards® points don’t expire as long as your card is open. If you cancel your account, you’ll lose unredeemed points.

Chase Ultimate Rewards® is a points system. You earn at least 1 point for every dollar you spend with a Chase-branded credit card, and most cards earn extra points on purchases in specific categories, such as travel, restaurants or drugstores.

Options for using points include booking travel, getting cash back or — depending on which card you have — transferring them to partner airline or hotel loyalty programs. How much a point is worth depends on how you use it, but you should be able to get at least 1 cent of value per point. You can combine points from multiple cards to maximize your redemption potential.

All Chase-branded rewards credit cards earn Ultimate Rewards® points. Even Chase’s cash-back cards technically earn their rewards as points.

Cards that earn points include the Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® , the Chase Freedom Flex℠ and the Chase Freedom Unlimited® , as well as business credit cards like the Ink Business Cash® Credit Card , the Ink Business Preferred® Credit Card and the Ink Business Unlimited® Credit Card .

Credit cards issued by Chase in partnership with airlines, hotels or retailers do not earn Ultimate Rewards® points. Instead, they earn rewards in the partner’s loyalty program. Examples include Chase’s “co-branded” cards with United and Southwest airlines, with Marriott and Hyatt hotels, and with Amazon and Starbucks.

The value of a Chase Ultimate Rewards® point depends on the card you have and how you redeem. When used for cash back, they’re worth 1 cent apiece. Redeemed for travel booked through Chase, they’re worth 1 to 1.5 cents apiece. When transferred to a partner, they can be worth even more — or even less; it depends on what you do with the points you transfer. Our points and miles valuation page digs deeper on transfer value.

When redeemed for cash back, 10,000 Chase points are worth $100. When redeemed for travel booked through Chase, 10,000 points are worth $150 if you have the Chase Sapphire Reserve® , or $125 with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card , or $100 with other Chase cards.

When redeemed for cash back, 100,000 Chase points are worth $1,000. When redeemed for travel booked through Chase, 100,000 points are worth $1,500 if you have the Chase Sapphire Reserve® , or $1,250 with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card .

If your Chase card allows transfers, you can transfer them to about a dozen hotel and airline loyalty programs. They include:

Airlines: Aer Lingus, Air France/KLM, British Airways, Emirates, Iberia, JetBlue, Singapore, Southwest, United, Virgin Atlantic

Hotels: Hyatt, InterContinental Hotels Group, Marriott

Chase Ultimate Rewards® points don’t expire as long as your card account is open. If you cancel a card, you’ll lose any unredeemed points on that card.

Cards that earn points include the

, as well as business credit cards like the

The value of a Chase Ultimate Rewards® point depends on the card you have and how you redeem. When used for cash back, they’re worth 1 cent apiece. Redeemed for travel booked through Chase, they’re worth 1 to 1.5 cents apiece. When transferred to a partner, they can be worth even more — or even less; it depends on what you do with the points you transfer. Our

points and miles valuation page

digs deeper on transfer value.

When redeemed for cash back, 10,000 Chase points are worth $100. When redeemed for travel booked through Chase, 10,000 points are worth $150 if you have the

, or $125 with the

, or $100 with other Chase cards.

When redeemed for cash back, 100,000 Chase points are worth $1,000. When redeemed for travel booked through Chase, 100,000 points are worth $1,500 if you have the

, or $1,250 with the

Aer Lingus, Air France/KLM, British Airways, Emirates, Iberia, JetBlue, Singapore, Southwest, United, Virgin Atlantic

Hyatt, InterContinental Hotels Group, Marriott

on Chase's website

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

How to redeem Chase Ultimate Rewards points for maximum value

You can never have too many Chase Ultimate Rewards points .

This transferable points currency gives you access to some of the best hotel and airline transfer partners in the business, as well as the easy-to-use Chase Travel℠ portal , which allows you to cover a wide variety of different costs for your trip, including car rentals, hotels, flights, tours and activities, as well as some everyday expenses.

Despite increasing competition from American Express Membership Rewards , Citi ThankYou Rewards and Capital One miles , Chase Ultimate Rewards maintains its place as one of the most valuable points currencies on the planet. Plus, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® card are both currently offering elevated welcome bonuses of 75,000 points after you spend $4,000 on purchases in the first three months from account opening. Therefore, this is a great time to consider applying for a Chase credit card and maximizing your rewards.

If you are new to redeeming Chase Ultimate Rewards points, this stress-free beginner guide will show you how to easily redeem 75,000 points.

However, if you're ready to get serious about traveling more for less, here's everything you need to know about Chase transfer partners and the best ways to redeem your Chase Ultimate Rewards points.

How much are Ultimate Rewards points worth?

TPG values Ultimate Rewards points at 2.05 cents each, which is what you should aim for when redeeming them. The actual value you get from these points depends on how you redeem them.

How can I redeem Chase Ultimate Rewards?

If you redeem your points for cash back or statement credits at the lower-value end, each point is typically worth 1 cent.

A midvalue redemption option is to use your Chase points for virtually any kind of travel booking: Flights, hotels, cruises, tours and rental cars via Chase Travel. If you have the Chase Sapphire Preferred , your points are worth a fixed rate of 1.25 cents each. Meanwhile, cardholders of the Chase Sapphire Reserve get a higher valuation of 1.5 cents per point. This is an excellent redemption option for folks who don't want to deal with complicated award program rules.

If you want to maximize your Ultimate Rewards points, the most valuable option is often to transfer your points to one of 14 airline or hotel partners. From there, you can use them for premium travel bookings, such as premium cabin flights and luxury hotels.

What are the most valuable ways to redeem Chase points?

We've mentioned that transferring your Chase points to a travel partner is often your best bet if you want to get the most value out of your points. Here are some of the best ways to redeem Ultimate Rewards with airline and hotel transfer partners.

Air France-KLM Flying Blue

While Flying Blue prices its awards dynamically, the program has now standardized saver-level pricing for all one-way flights between the U.S. and Europe as follows, regardless of origin or destination, meaning you can connect at no extra cost:

• 20,000 miles in economy
• 35,000 miles in premium economy
• 50,000 miles in business class

Remember that these rates are only for the lowest saver-level seats, which are limited. Booking business class from anywhere in the U.S. to anywhere in Europe for 50,000 Flying Blue miles is a fantastic deal, so jump on this if you find this price on dates that work for you.

Additionally, you could spend a few days in Paris or Amsterdam using the free Flying Blue stopover program . This is a great way to visit another city without paying additional miles or cash. To book Flying Blue stopovers, you'll need to call Flying Blue at 800-375-8723.

Southwest Airlines Rapid Rewards

TPG values Southwest Rapid Rewards points at 1.35 cents each, which is a lot less than the 2.05 cents per-point value of Ultimate Rewards. So, transferring to Southwest isn't a great way to use your Chase Ultimate Rewards points.

However, there are a couple of scenarios where transferring points to a friendly carrier with no change or baggage fees makes sense. First, for inexpensive fares of $100 or less, Rapid Reward points can be worth as much as 1.7 cents per point, which beats the value you get when booking through the portal. Second, if you have a Southwest Companion Pass and are really getting two flights for the price of one award, then your points become worth as much as 3.4 cents per point for inexpensive fares.

Remember, too, that Southwest flights booked with Rapid Rewards points include free changes and cancellations , which gives you a ton of flexibility if the award rate drops after booking.

Singapore Airlines KrisFlyer

Singapore Airlines has several benefits as a potential airline transfer destination for your Ultimate Rewards. First, Singapore is one of the best airlines in the sky, with tremendous service and luxurious onboard products and experiences. The carrier's premium-class products are typically only available through the KrisFlyer program , not with its Star Alliance partners.

Second, Singapore's KrisFlyer program offers fantastic value, with reasonable award charts, low fuel surcharges, routing rules that allow stopovers and the ability to combine multiple partners in one award.

Finally, the online award booking tool is intuitive and easy to use — though be aware that transfers typically are not instantaneous.

Here are some of our favorite KrisFlyer redemptions when using Chase Ultimate Rewards:

• Fly from the mainland U.S. to Hawaii in economy class on United Airlines for 19,500 miles each way
• Fly Singapore Airlines from the U.S. to Europe from 25,000 miles (note: this may be discounted further thanks to KrisFlyer's monthly Spontaneous Escapes offers )
• Fly the world's longest flight in business class from New York to Singapore for 111,500 miles each way
• Fly first class from Los Angeles to Japan or South Korea from 120,500 miles each way

Related: It doesn't get much better than this: Singapore Airlines' A380 in business class from Frankfurt to New York

Iberia Plus

Spain's national carrier remains a mystery to many Chase cardholders despite the significant value Iberia Plus can offer U.S.-based flyers. The carrier offers cheap economy, premium economy and business-class transatlantic flights on its own metal.

Transatlantic business class is priced based on a distanced-based award formula. One-way flights from Miami to Madrid on off-peak dates start at just 21,250 Avios in economy and 42,500 Avios in business class, for instance. There can be less than $100 in surcharges, depending on the class of service you book.

However, prices get even more attractive for shorter routes (based on distance in miles). For example, off-peak flights from Boston to Madrid require only 17,000 Avios in economy, 25,500 in premium economy and 34,000 Avios in business each way, one of the best sweet spots of any airline program.

Related: A review of Iberia's new business-class suite on the A350-900 from Madrid to Mexico City

Virgin Atlantic Flying Club

There are multiple ways to use Virgin Atlantic's loyalty program to unlock value. Thanks to its own distance-based formula, you can redeem points to fly Delta domestic itineraries here in the U.S. starting at 7,500 points per segment, potentially saving you thousands of points compared to the number of miles Delta is asking for the same flight.

Delta One flights to Europe (excluding the United Kingdom) are a flat 50,000 points for nonstop itineraries — though availability tends to be very scant. Instead, consider booking Air France flights in business class. On off-peak dates, flights from the U.S. to most of Europe are just 48,500 points.

Other partners like All Nippon Airways have award charts so attractive they almost seem like a mistake. You can use just 90,000 Virgin points to fly ANA business class round trip from the West Coast to Japan and 95,000 miles from the central and eastern U.S. to Japan — or one-way for half these prices.

Here is Flying Club's award chart for ANA-operated flights:

Virgin Atlantic also offers attractive fares on flights between the U.S. and the U.K., though taxes on the return flight are quite high. A one-way economy-class flight from the East Coast is just 10,000 points.

Related: How 5,000 credit card points saved me over $650 on a flight to London

British Airways Executive Club

If you need a short-haul, nonstop flight on a Oneworld partner like American Airlines or Alaska Airlines, British Airways Avios can reward you with tremendous savings.

Short-haul flights start at 8,250 Avios for U.S. economy flights up to 650 miles in length, 11,000 Avios for flights 651 to 1,151 miles in length and 14,500 Avios for flights up to 2,000 miles in length. The latter would cover a flight from Phoenix Sky Harbor International Airport (PHX) to Miami International Airport (MIA).

This can be considerably cheaper than what American Airlines charges its American AAdvantage members for the same flights.

British Airways also lowered the cost of Qatar Airways awards when the Doha-based carrier adopted Avios as its own loyalty currency , giving another great option for transferring your Chase points for a valuable award ticket.

Related: British Airways Executive Club: Guide to Avios, elite status and transfer partners

World of Hyatt

One of the best ways to use Ultimate Rewards points is to transfer them to World of Hyatt for low- or high-category properties. Hyatt points are generally worth more than Marriott Bonvoy and IHG points, so Hyatt is often your best hotel transfer partner within Chase Ultimate Rewards.

World of Hyatt also offers an extremely reasonable award chart, with prices ranging from 3,500 to 45,000 points.

If you're looking at standard award nights, the program has value across the spectrum of properties. Category 1 to 5 properties , in particular, can offer some fantastic awards. Examples include the Grand Hyatt Washington (17,000 to 23,000 points), the Grand Hyatt Athens (9,000 to 15,000 points) and the Park Hyatt Mendoza (12,000 to 18,000 points).

Several Category 1 properties sell for over $100 a night (excluding taxes), so redeeming just 3,500 points for these off-peak dates is usually a good decision. An example is the Hyatt Place Tucson-Central, which is bookable for just 3,500 to 6,500 Hyatt points per night.

Higher-tier hotels also have substantial value. For example, redeeming 35,000 to 45,000 points per night at the ski-out Park Hyatt Beaver Creek or 25,000 to 35,000 points per night at the Park Hyatt St. Kitts or the Park Hyatt Maldives Hadahaa can make sense since rooms at these luxury properties routinely sell for over $1,000 a night.

Best cards to earn Chase Ultimate Rewards points

There are many ways to earn Ultimate Rewards points with Chase credit cards. Here is a summary of the best options:

• Chase Sapphire Preferred Card : Best for overall mid-tier cards
• Chase Sapphire Reserve : Best for frequent travelers, dining and travel insurance
• Ink Business Preferred® Credit Card : Best for business travelers
• Ink Business Cash® Credit Card : Best for office supplies and technology services
• Ink Business Unlimited® Credit Card : Best for no-annual-fee business card
• Chase Freedom Flex℠ : Best for earning 5% cash back (or 5 points per dollar) up to a quarterly maximum; activation required
• Chase Freedom Unlimited® : Best for simple rewards

The first three cards earn fully transferable Ultimate Rewards points, while the remaining four are technically billed as cash-back credit cards .

However, if you have an Ultimate Rewards-earning card, you can convert your Chase cash-back rewards to Ultimate Rewards points. For this reason, having more than one Chase card in the family can make sense to maximize your earning and redeeming potential.

Check out TPG's guide to transferring Chase points between accounts for complete details.

Bottom line

The above strategies sample the many redemptions available through the Ultimate Rewards program. If you have the Chase Sapphire Reserve , the Chase Sapphire Preferred Card or the Ink Business Preferred Credit Card , booking through the Chase Travel portal at a rate of 1.25 to 1.5 cents per point will be a solid baseline redemption for many travelers.

However, to really get maximum value, look to utilize Chase transfer partners to book flights and hotel rooms that might otherwise be beyond your means.

With the elevated 75,000 Ultimate Rewards points welcome bonuses available on the Chase Sapphire Preferred and the Chase Sapphire Reserve cards, now is a great time to start earning and redeeming Ultimate Rewards.

A Beginner’s Guide to Chase Credit Cards

Vault’s viewpoint.

• Chase offers various personal and small business credit cards.
• Most Chase credit cards offer cash back or travel rewards.
• Chase offers several cards that feature Ultimate Rewards points.

Most Popular Chase Credit Cards

The most popular Chase cards offer high cash back rates or travel rewards points. When it comes to travel rewards, Chase has cards that offer points with airline and hotel programs, along with cards that feature Chase’s own Ultimate Rewards program. Chase also offers both personal and small business credit cards.

Best First Travel Rewards Card: Chase Sapphire Preferred® Card

Why we love this card: This card offers Chase Ultimate Rewards points, which can be extremely valuable. Among the rewards with this card, you earn 3X points on dining, a minimum of 2X points on travel purchases and 1X points on all other purchases that do not fall under the bonus categories. You can transfer points to airline and hotel partners, and they are worth a boosted 1.25 cents each towards travel booked through Chase Travel.

Who should have this in their wallet: This card is ideal for people who are getting started earning travel rewards. This card is also great for people who want exceptional travel rewards and purchase protection benefits while only having to pay a reasonable annual fee.

• Transfer points to airline and hotel partners
• Robust travel insurance and purchase protection policies
• Missing some features found with other premium rewards cards
• High standard APR

Best Premium Travel Rewards Card: Chase Sapphire Reserve®

Why we love this card: This card is Chase’s premium travel rewards option, and it’s one of the most full-featured cards offered by any card issuer. It features 3x points on travel and dining, and points are worth 1.5 cents each towards travel booked through Chase Travel. Travel-related rewards kick in after the $300 annual travel credit (as reimbursement for travel purchases charged to your card each account anniversary year) is spent. This card also comes with access to Priority Pass Select airport lounges with enrollment and the small but growing network of Chase Sapphire Lounges.

Who should have this in their wallet: Frequent travelers and dedicated award travel enthusiasts will get the most from this card. People who travel frequently will enjoy the airport lounge access and the numerous travel insurance policies.

• Boosted 50% point value when booking travel through Chase Travel
• $300 annual travel credit
• $550 annual fee
• Beginning July 1, 2024, Chase is removing the Priority Pass card benefit for credits at airport restaurants
• $75 per year for each additional authorized user

Best Cash Back Card: Chase Freedom Flex℠

Chase freedom flex℠.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

Why we love this card: Users love to earn 5% cash back on up to $1,500 spent in combined purchases on featured merchant categories each quarter they activate. It also features 5% cash back on travel purchased through Chase Travel and 3% cash back on dining and drug stores. Rewards technically come in points you can redeem for cash back or combine with other cards like the Sapphire Preferred and Sapphire Reserve.

Who should have this in their wallet: This card is a great addition to the wallets of Sapphire Preferred and Sapphire Reserve cardholders, who want more ways to earn Ultimate Rewards points.

• You can combine points with other Chase Ultimate Rewards cards
• No annual fee
• Most purchases only earn 1% cash back
• By itself, rewards can’t be transferred to airline miles or hotel points
• 3% foreign transaction fee

Best Chase Retail Rewards Card: Prime Visa

Instantly upon approval exclusively for Prime members

Why we love this card: As long as you have an Amazon Prime membership, you won’t pay an annual fee to earn some of the most competitive rewards rates on Amazon purchases including Amazon Fresh and Whole Foods Market.

Who should have this in their wallet: This card is great for millions of Americans with an Amazon Prime membership who want to earn cash back rewards.

• Earn on spending beyond Amazon purchases
• Weak sign-up bonus
• Earn just 1% cash back on most purchases
• Must be an Amazon Prime member

Best Airline Rewards Card: United℠ Explorer Card

Why we love this card: This card is very valuable for United fliers as it offers 2X miles on United purchases, directly-purchased hotels and dining. You also receive your first checked bag free, priority boarding and expanded access to low-priced Saver awards.

Who should have this in their wallet: United passengers and people who travel occasionally with checked bags. It’s also a card for frugal people, as there’s a $0 intro annual fee for the first year (then $95) and you receive an up to $100 fee credit towards Global Entry, TSA PreCheck or NEXUS.

• Free first checked bag for the cardholder and a companion
• Plenty of United Perks
• $0 intro for the first year (then $95)
• No bonus categories that earn more than 2X miles
• Number of miles needed for award flights can rise without warning

Best Small Business Cash Back Card: Ink Business Cash® Credit Card

Chase ink business cash® credit card.

Why we love this card: This card offers 5% cash back on the first $25,000 spent (then 1%) in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. You can combine points with other Ultimate Rewards cards and transfer to airline and hotel partners.

Who should have this in their wallet: Small business owners who want to earn cash back or supplement their Ultimate Rewards points will find value in this card. It’s also a good choice for people who want to separate their personal and small business purchases, without paying an annual fee.

• Pool your earnings with Ultimate Rewards points from the Chase Sapphire Preferred and Sapphire Reserve cards
• Automatically checked for credit line increase every six months or sooner
• Competitive cash back earned on Lyft purchases until March 31, 2025
• By itself, rewards cannot be transferred to airline and hotel partners

Personal Chase Credit Cards

Chase offers personal cards that earn points in its Ultimate Rewards program, along with cards that are co-branded with airline, hotel and retail partners. It also offers small business credit cards that allow you to earn rewards for your company purchases.

The cards that earn Ultimate Rewards points include the Sapphire and Ink cards. You can also earn rewards with partners such as United, Southwest, Marriott, World of Hyatt and Amazon. Chase also offers its Chase Slate Edge℠ card with lower interest rates.

Chase Business Credit Cards

How do i earn rewards with chase.

Most Chase cards offer some form of rewards as points, miles or cash back. Most cards will offer new applicants some sort of new account bonus. For example, the Chase Sapphire Preferred has an offer to earn 75,000 points after spending $4,000 on a new account within three months of account opening.

Typically cards will offer a flat rate for most purchases and a bonus rate for purchases from specific categories of purchases. For example, the Freedom Unlimited offers 5% cash back on travel booked through Chase Travel and 3% cash back on dining at restaurants (including takeout and eligible delivery service) and drugstore purchases. You’ll also earn 1.5% cash back on all other purchases.

To see your points balances, log into your Chase account and select the card. The number of points you have will appear along with other account information like your balance, payment due date and minimum payment due. If you are earning cash back or reward points in a program run by Chase, then you can redeem points from there. Otherwise, you’ll have to go to the co-brand partner offering the rewards, such as United or Hyatt.

What is the Best Chase Credit Card For Me?

Chase currently offers 39 cards to new applicants so selecting the best card for your needs can be hard. Consider the factors below when making your decision.

Business or Personal

• Rewards program
• Promotional financing offers

When looking at the selection of Chase cards available, you’ll first have to choose between business and personal cards. The small business cards are designed to help you separate your company expenses from your other expenses. Small business cards will also offer bonuses on purchases that businesses will likely make, like advertising or office supplies.

Choosing a Rewards Program

Chase offers cards that earn cash back, Ultimate Rewards points or rewards with various co-branded partners. Its partners include airlines like United and Southwest and hotels like Marriott, Hyatt and IHG. Other co-banded partners include Disney, Amazon, Instacart and DoorDash.

When choosing a credit card, it’s important to consider the costs of the card. 14 of the 39 Chase cards currently offered have no annual fee . Many of the cards also have no foreign transaction fees, while others impose a 3% fee of the amount of each transaction in U.S. dollars on all charges processed outside of the United States.

Promotional Financing Offers

Most Chase cards have similar interest rates , but some Chase cards may offer 0% APR introductory financing on new purchases, balance transfers or both. If one of these offers can benefit you, then it’s worth considering as a factor.

Frequently Asked Questions

What is the best chase credit card for beginners.

The Chase Freedom Rise℠ Credit Card is ideal for beginners and is marketed to students and others new to credit. It offers 1.5% cash back on all purchases and has no annual fee.

What Is the 5/24 Rule on Chase Card Applications?

Chase has an unpublished rule that is commonly known as 5/24. If an applicant has opened five or more new personal credit card accounts, from any card issuer, within the last 24 months, you will be automatically declined when you apply for a new account.

Which Chase Card is Hardest to Get?

The Chase Sapphire Reserve is designed to be available for applicants with excellent credit. Chase also offers the J.P. Morgan Reserve Card by invitation only to high-net-worth individuals.

The post A Beginner’s Guide to Chase Credit Cards first appeared on Newsweek Vault .

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How to use the chase sapphire reserve travel credit, you can earn up to $300 annually with this flexible and easy-to-use benefit..

The Chase Sapphire Reserve® is loaded with luxury perks like airport lounge access , travel protections and the ability to earn transferrable travel rewards — but it also has a hefty $550 annual fee. Thankfully, you can recoup over half of that fee thanks to the card's easy-to-redeem travel credits, which can provide up to $300 of value every year.

If you've ever been tempted to sign up for the Chase Sapphire Reserve, now could be an excellent time to give in. Thanks to a limited-time bonus offer, new card members can earn 75,000 bonus points after spending $4,000 in the first three months from account opening. This bonus is 25% higher than the standard offer, making one of the best travel credit cards even better.

How to maximize the Chase Sapphire Reserve travel credit

How does the chase sapphire reserve travel credit work, what triggers the chase sapphire reserve travel credit, when does the chase sapphire reserve travel credit reset, alternate cards with travel credits, bottom line, chase sapphire reserve®.

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

The Chase Sapphire Reserve's annual travel credit couldn't be any easier to get — simply use your card to make eligible travel purchases and the first $300 lands in your account as statement credits. Unlike many other cards with a similar benefit, you don't have to make these purchases through a specific site or rewards portal to earn the credit.

This card offers a generous return on travel spending, however, the first $300 in travel purchases won't earn points. Frankly, this is a small sacrifice for the opportunity to be reimbursed for over half of the card's annual fee. According to the card's terms, the statement credit will be posted to your account the same day as the eligible travel purchase posts.

Airfare and hotel bookings are just the beginning of what transactions qualify for this credit. These are some of the purchase categories that should count toward your $300 annual credit:

• Car rental agencies
• Cruise lines
• Travel agencies
• Discount travel sites
• Campgrounds
• Toll bridges and highways
• Parking lots and garages

Whether a purchase triggers the travel credit depends on how the merchant codes the transaction. While this shouldn't be a common issue, it's possible certain travel services purchased as part of a packaged offer may not qualify for the credit.

You can add authorized users to your Sapphire Reserve account for $75 per person each year, and authorized user purchases will trigger the credit. However, there is still only a single travel credit per account, not per card. So if the primary accountholder spends $300 in travel on their card and an authorized user spends $300 in travel, only the first $300 in combined travel purchases will be reimbursed.

The Sapphire Reserve's travel credit resets every card member year — not the calendar year. If you want to know how much of your credit you've used, you can call the number on the back of your card or find the information easily online on your Chase Ultimate Rewards® account page.

The Platinum Card® from American Express is a leader when it comes to offering cardholders travel credits. However, the Amex Platinum's credits can require enrollment or activation, which puts a barrier between you and your credits that doesn't exist with the Sapphire Reserve. That said, you can earn well over $1,000 back every year with this card for purchases that include airline fees, digital entertainment, hotels, CLEAR membership and much more. Terms apply.

The Platinum Card® from American Express

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

See Pay Over Time APR

Credit Needed

Excellent/Good

See rates and fees , terms apply.

Read our The Platinum Card® from American Express review .

The U.S. Bank Altitude® Reserve Visa Infinite® Card has a higher annual credit and lower annual fee compared to the Sapphire Reserve. Every year, cardholders can take advantage of up to $325 in dining and travel credits, which covers all but $75 of this card's $400 annual fee. If you have the U.S. Bank Altitude Reserve card , it would be difficult not to fully use this credit every year.

U.S. Bank Altitude® Reserve Visa Infinite® Card

5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center; 3X points on every $1 on eligible travel and mobile wallet spending

Earn 50,000 bonus points (worth about $750 in travel) after spending $4,500 within the first 90 days of account opening

22.24% to 29.24% (Variable)

3% of the amount of each transfer, with a $5 minimum

See  rates and fees , terms apply.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

The Chase Sapphire Reserve has loads of luxury benefits and a pricey $550 annual fee to go along with these perks. However, it has an easy-to-use annual travel credit that allows card members to earn up to $300 back every card anniversary year for eligible travel purchases.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit cards . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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For rates and fees of the Platinum Card® from American Express, click here .

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Chase ultimate rewards®: how our program works.

Chase Ultimate Rewards ® is a credit card rewards program offered by Chase that helps turn your everyday purchases into exciting rewards. As a cardmember, you have the opportunity to earn rewards points while you shop, dine or travel.

One of the most valuable parts of the program is the built-in flexibility that allows you to earn rewards , then easily redeem or transfer them when you’re ready.

In this article, we’ll dive into how this program works, how to earn and maximize your rewards points and also how to redeem them.

How does Chase Ultimate Rewards work?

Chase Ultimate Rewards are rewards points that many Chase credit cards offer cardmembers. These rewards points are earned by using an eligible card for your everyday spending or travel purchases.

All Chase credit cards allow you to redeem those points for cash back, travel, gift cards and Amazon or Apple purchases. In some cases, you may even be able to redeem your points for special experiences or access exclusive events.

Many people enjoy using their points to help pay for travel. There are two ways to do this:

• Book your travel through the Chase Travel Portal and use your points toward the purchase.
• Transfer your Ultimate Rewards points to an airline or hotel that has a partnership with Chase.

How to earn Chase Ultimate Rewards points

To earn Chase Ultimate Rewards points, simply use an eligible Chase credit card for your everyday spending. If the card has a sign-up bonus offer, you can earn it by meeting certain spending requirements within a specified amount of time after first opening your account. In addition, you can earn points by taking advantage of categories that may offer higher points per dollar spent (such as gas stations, grocery stores, restaurants, streaming services and more).

How much are Chase Ultimate Rewards points worth?

The value of your Chase Ultimate rewards points will differ depending on the credit card that you have and the category that you’re redeeming in. In general, points are worth more when redeemed for travel or transferred to Chase’s partners.

For example, if you have a Sapphire Reserve ® card and you use your points to book travel through the Chase Ultimate Rewards portal, your points are worth 1.5 cents per point instead of 1. If you have a Sapphire Preferred ® card , you can redeem for travel at 1.25 cents per point.

If you’re interested in cash back, each point is worth 1 cent.

How much are 10,000 Chase rewards points worth?

In most cases, 10,000 Chase Ultimate Rewards points are typically worth $100 that you can then use to purchase gift cards, make purchases on Amazon or receive as cash back on your statement. However, as stated above, if you’re a Chase Sapphire Reserve cardmember (or other eligible cardmember) and choose to use your rewards points for travel, your points may be worth more. In this case, if you book your travel through Chase, your points are worth 1.5x the cash back redemption value and therefore those 10,000 points are worth $150.

How much are 100,000 Chase rewards points worth?

The math is the same as above, so 100,000 Ultimate Rewards points are typically worth at least $1,000. They could be worth more depending on the card you use and if you book through Chase’s online travel portal.

How to redeem Chase Ultimate Rewards points

There are four main ways to redeem your Ultimate Rewards points.

Book travel: Instead of booking your travel plans directly with an airline, hotel or rental car, you can use the Chase Travel Portal to book these reservations. You can use your Ultimate Rewards points to pay for all or part of the purchase. Or, if you purchase your travel using an eligible Chase credit card, you can earn 5x the rewards on airfare.

Transfer points to a partner: If you have a Sapphire Reserve or Sapphire Preferred credit card, you have the ability to transfer your rewards points (in 1,000 point increments) to Chase’s travel partners and use those points toward the purchase of travel. Simply log onto the Chase Ultimate Rewards portal and choose the “Transfer to Travel Partners” section. There, you can choose from among the list of airline and hotel travel partners.

Redeem for cash back: The Ultimate Rewards portal makes it easy to redeem your rewards points for cash back. You can choose to receive this as a statement credit or have it deposited into your bank account.

Redeem for gift cards: Similar to booking travel, you can redeem your rewards points to purchase gift cards through the Ultimate Rewards portal. The point value is 1 cent for gift cards, though sometimes Chase offers discounts on certain gift cards throughout the year, which means the value per point increases and your rewards go a bit further. You can find out which gift cards are discounted by navigating to the gift card section of the Ultimate Rewards portal.

Chase credit cards that earn Chase Ultimate Rewards

Chase offers several credit cards that are eligible to earn Ultimate Rewards points, each with their own unique features and benefits. Here are just a few to consider:

Chase Sapphire Reserve ®

• Earn a welcome bonus after you spend a minimum amount within the first three months of opening the card
• Receive an annual travel credit of up to $300 each anniversary year
• Earn 10x points on Chase Dining purchases with Ultimate Rewards
• Earn 10x points on hotels and car rentals when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
• Earn 5x total points on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
• Earn 3x points on dining at restaurants, including takeout and eligible delivery services
• Earn 3x points on other travel not purchased through Chase

Chase Sapphire Preferred ®

• Earn 5x points on travel purchases through Chase Travel
• Earn 3x points on dining and eligible delivery services
• Earn 3x points on select streaming services
• Earn 2x points on other travel purchases
• Earn 1 point per dollar spent on all other purchases

Chase Freedom Unlimited ®

• Low annual fee 
• 5% cash back on travel purchases through Chase Ultimate Rewards ®
• 3% cash back on dining at restaurants, including takeout and eligible delivery services
• 3% cash back on drugstore purchases
• Earn 1.5% cash back on all other purchases
• Cash back rewards do not expire as long as your account is open

Chase Freedom Flex ®

Though similar to Freedom Unlimited, the Chase Freedom Flex credit card has one key difference – it has rotating bonus categories that you activate each quarter to earn bonus rewards. Once you activate the categories, you’ll earn 5% cash back on those specific spending categories, up to the spend cap, and they change every three months. This enables you to maximize cash back in different areas throughout the year. This list of features include:

• Low annual fee
• 5% cash back on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores and select online merchants, each quarter you activate
• 5% cash back on travel purchases through Chase Travel
• 1% cash back on all other purchases

Do Chase Ultimate Rewards points expire?

Chase Ultimate Rewards points do not expire as long as your credit card account remains open and in good standing. If you choose to close your account, you may lose any unredeemed points. It’s always a good idea to read your credit card’s terms and conditions carefully.

The bottom line

Chase Ultimate Rewards stands out as a flexible and adaptable rewards system that provides numerous avenues for accruing and utilizing rewards points. It offers many options for accumulating rewards points as well as a versatile platform for redeeming them.

• card travel tips
• credit card benefits

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Best Chase credit cards: The top offerings from America's biggest bank

Chase offers excellent credit cards for travel and cash back rewards. Some Chase cards are available with no annual fee, but an annual fee may be required for the best cards. For some households, a combination of multiple cards can lead to the best rewards.

Our top recommendations

Card_name : best for cash back, chase freedom unlimited®, why we like it.

A high return rate on everyday purchases is great, but this card ups the ante in a big way: You can turn the cash back you earn into airline miles and hotel points for nearly free travel — skyrocketing the potential value of your rewards. You’ll need to hold an annual fee-incurring Chase Ultimate Rewards card, like the Chase Sapphire Preferred® Card, to do it; but it’s a nice redemption option to have if travel is a goal of yours.

• Cash back on every purchase.
• No annual fee.
• Bonus rewards in popular categories.
• Target and Walmart don’t count for grocery store bonus rate.
• Best cash back rate only applies to purchases made through Chase.
• Some cards offer better than the 1.5% rate for non-bonus category purchases.

When you sign up, you can earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening, and you get a complimentary three months of DashPass, DoorDash's membership as well as three months of Instacart+ membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders.

card_name : Best for travel

Chase sapphire preferred® card.

Often touted as the perfect beginner travel credit card, the Chase Sapphire Preferred® Card comes with all the necessities that a traveler needs. It’s got a large welcome bonus, it earns points quickly and it confers excellent travel insurance to protect you against flight delays and rental car dings.

The biggest selling point of the card is its flexible rewards. You can travel for pennies on the dollar by transferring the points you earn to airline and hotel loyalty programs such as Hyatt, United Airlines, British Airways and many more. You can also redeem your points for flights, rental cars and cruises through Chase Travel at a rate of 1.25 cents each.

• Earn bonus rewards on popular travel, dining, grocery and streaming category purchases.
• $50 annual statement credit for hotels booked through Chase.
• Benefits with DoorDash, Instacart, Peloton, Lyft and others.
• annual_fees annual fee applies.
• Grocery purchase bonus is very limited with eligible online purchases only.
• Best rewards only from purchases made through Chase.

The Sapphire Preferred is also notable for its sign up bonus, which is 60,000 bonus points after you spend $4,000 on purchases in the first the months from account opening. According to Chase, that’s $750 toward travel when redeemed through Chase Ultimate Rewards® portal.

card_name : Best for luxury travel

Chase sapphire reserve®.

The Chase Sapphire Reserve® is a premium travel rewards credit card with souped-up travel perks that the frequent traveler will love. You’ll get up to $300 in annual statement credits to offset virtually any travel purchase; you’ll get the highest level of travel insurance; you’ll get access to more than 1,400 airport lounges worldwide.

This card’s points can save you a bundle on travel in two key ways: You can redeem them for airfare, hotel stays, rental cars and more through Chase Travel at a rate of 1.5 cents. Or, you can convert them into several different airline miles and hotel points currencies to potentially get a value of 2 cents (or more) in travel from your rewards.

• Valuable features including $300 annual statement credit, airport lounge access and a credit for TSA trusted traveler programs.
• Excellent travel and purchase protection benefits.
• Get 1.5 cents per point redeeming through Chase or transfer points to travel partners.
• Hefty annual fee and additional fee for authorized users.
• 1x on non-bonus purchases isn’t impressive.
• Some users may struggle to take full advantage of benefits.

For luxury travel, card_name is one of the best cards on the market. It includes access to Priority Pass and Chase airport lounges, a $300 credit for travel purchases and valuable Chase Ultimate Rewards points worth 1.5 cents each when redeemed through Chase and potentially more when transferred to travel partners. Purchase and travel protection benefits are extensive.

The card_name has the same sign up bonus as the Sapphire Preferred (60,000 bonus points after you spend $4,000 on purchases in the first the months from account opening), and the benefits are supersized as well: For example, you get 10X points for hotel and car rental purchases through Chase, which, as noted above, are even more valuable when transferred to partners’ loyalty programs. While it’s an expensive card, it’s a good deal for frequent travelers.

card_name : Best for users new to credit

Chase freedom rise℠.

The main draw of this card is its low approval standards. If you’re new to credit, this unsecured credit card is a top-notch option to build your credit profile. It offers a credit limit increase in as soon as six months (based on healthy usage), and it lets you track your credit score for free.

• Designed for students and applicants new to credit.
• 1.5% cash back with no annual fee.
• Includes features and tools to help build credit.
• No bonus rewards categories.
• Limited purchase and travel benefits.
• Small bonus for new cardholders.

This card is designed for new users who may not understand the importance of paying your card debt on time and in full, if possible. The APR for purchases is higher than premium cards, and the penalty APR is nearly 30%. While it’s a simple card without many bells and whistles, it’s a reasonable choice for someone looking to establish and build credit with rewards and no annual fee.

card_name : Best for balance transfers

Chase slate edge®.

While the Chase Slate Edge does not offer any rewards or benefits, its primary utility lies in its ability to help you pay off debt efficiently. The balance transfer fee is either $5 or 3% of the amount transferred, which is a reasonable cost considering the extended 0% APR period. To maximize the benefits of this card, it's recommended to transfer your entire credit card balance and limit new purchases until the debt is paid off.

Overall, the Chase Slate Edge is an good choice for individuals focused on debt reduction and seeking a low-cost, interest-free period to pay off their balances.

• No interest for 18 months on purchases and balance transfers.
• Interest rate decreases over time when used responsibly.
• No cash back or travel rewards.
• No signup bonus.
• Very few travel-related protection benefits.

The essential utility of this card is its one-and-a-half year interest grace period for transferred balances (though the zero APR deal applies to purchases as well). The fee for balance transfers within the first 60 days is either $5 or 3% of the amount of each transfer, whichever is greater, and after that transfers cost $5 or 5% of the amount of each transfer, whichever is greater. To get the most out this deal, you should transfer the entire balance of however many cards you have immediately and limit your purchases until the debt is paid down. That makes the card_name an affordable option for those looking to get out of debt.

card_name : Best for business travel

Ink business preferred® credit card.

The card_name from Chase is a premium travel rewards card for small businesses. It offers 100,000 bonus points worth $1,000 cash back or $1,250 in travel after spending $8,000 in the first three months. Cardholders earn 3x points per dollar on up to $150,000 in combined purchases for shipping company, social media and search engine advertising, travel, and eligible telecommunications purchases. You’ll get 1x per dollar everywhere else.

Reward points are worth 1.25 cents each when redeemed through Chase Ultimate Rewards, or you can transfer to airline and hotel partners for potentially more value. In addition to no foreign transaction fees, the card offers cell phone protection and valuable purchase and travel coverages. While there’s a $95 annual fee, it’s easy to see how you can earn much more in rewards and benefits.

• Huge 100,000 point signup bonus for qualifying customers.
• Earn 3x in popular business purchase categories.
• Points worth 1.25 cents toward travel when redeemed through Chase.
• $95 annual fee.
• Annual purchase limit for 3x bonus categories.
• Travel insurance protections leave something to be desired.

The card_name card brings business owners a valuable package of rewards and benefits. For example, the card_name comes with fraud protection, zero liability protection, purchase protection, auto rental collision damage waiver for business travel rentals, and cell phone protection that covers you and every employee listed on your cell phone bill when you pay it with your card_name card. Rewards are redeemable for cash back, gift cards, travel and more through Chase Ultimate Rewards, and Chase estimates you get one cent per point for cash back and one-and-a-quater cents redeemed through Chase travel.

While there’s a annual_fees annual fee, the huge signup bonus worth $1,000 cash back or $1,250 in travel easily justifies the cost. While travel benefits are not as good as some other travel-related rewards cards, overall, it’s a good combination of features.

card_name : Best for business cash back

Ink business unlimited℠ credit card.

The Ink Business Unlimited Credit Card from Chase is a top rewards card for cash back with no annual fee. It features a flat 1.5% back on all purchases and awards new users with a $750 bonus after spending $6,000 in the first three months. If you also have a Chase Ultimate Rewards card, such as the Chase Sapphire Preferred or Ink Business Preferred card, you can turn your cash back into travel rewards points, potentially worth more than the cash back alone.

It also offers rental car coverage, purchase protection, and extended warranty coverage, giving you added value without an annual fee. For small business owners looking to earn more than 1% back on non-bonus category purchases, Ink Business Unlimited is a solid choice.

• 1.5% cash back on all purchases.
• 0% introductory APR period for 12 months.
• Limited travel insurance protections.
• Intro APR applies to purchases only, not balance transfers.

For a card with a straightforward rewards system and no annual fee, the Ink Business Unlimited is worth a look.

card_name : Best for Amazon Prime members

If you’re an Amazon Prime member, it’s tough to beat the value provided by the card_name credit card. New users start with a $100 Amazon gift card. You’ll also earn 5% cash back on purchases at Amazon, Whole Foods, Amazon Fresh, and Chase Travel purchases. You’ll get 2% back at gas stations, restaurants, and local transit, and 1% everywhere else. There’s no annual fee, though a Prime membership is required.

Even if you only use the card for Amazon purchases, it’s a great value, as there’s no annual fee. It also comes loaded with valuable travel and purchase benefits, including rental car coverage, travel accident insurance, purchase protection, and extended warranty protection. With no annual fee and 5% cash back on Amazon purchases, it’s an incredible deal.

• Earn up to 5% back at Amazon and other popular categories.
• $100 gift card when approved.
• Extensive benefits for a card with no annual fee.
• Amazon Prime membership required.
• High APR when you don’t pay off the card balance in full.
• New card bonus could be better.

The sign up bonus for the card_name means Prime members do get a break of sorts on their Prime membership in the form of a $100 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application. For Amazon Prime power users, it’s a no-brainer to maximize your membership.

How we chose the best Chase credit cards

Because Chase cards are offered in many of the same tiers across types, we compared card offers based on the following criteria: Rewards rates, welcome offers, introductory and variable APR offers, annual fees, consumer protections included and travel benefits and perks.

Ultimately, we looked for credit cards that offer the most lucrative reward structures, welcome offers and flexibility within their designated rewards programs. Some cards that don't offer rewards were evaluated based on other factors, including their fee structure, introductory interest rates and regular variable APR. In all cases, benefits such as consumer protections and travel insurance perks were taken into account.

Choosing the best Chase credit card: Where to begin

With so many Chase credit cards to choose from, choosing the best Chase credit card can be challenging. Here’s a look at what you should consider when choosing the best Chase credit card.

Credit card rewards

Credit card rewards are one of the biggest perks of credit cards. Consider the cash back or travel rewards, how easy it is to earn rewards and your potential redemptions when choosing a credit card.

Sign-up bonus

A sign-up bonus is a large cash back or travel reward, typically given after meeting specific minimum spending requirements. Look at the size of the bonus and what’s needed to earn the bonus before signing up.

Travel and purchase benefits

Common benefits for purchases include purchase protection for new purchases and an extended warranty benefit. For travel, look for rental car coverage, trip cancellation and interruption insurance, delayed and lost luggage coverage and other valuable features. Some cards also include cell phone insurance, which pays most of the cost to repair a cell phone when you pay your bill with the card.

Eligibility by credit score

Your credit score plays a major role in your approval odds. Outside of cards for no credit or bad credit, you may struggle to get approved for the best rewards cards without a good or better credit score.

Types of Chase credit cards

Chase credit cards come in three major categories. You can find personal and business versions of many cards within those.

• Cash back rewards: Cash back rewards cards typically offer a percentage of every purchase as cash back rewards. For example, if you have a card offering 1.5% back on a $100 purchase, you would earn $1.50 back from that purchase.
• Travel rewards: Travel rewards cards typically offer miles or points for a travel reward program based on the size and category of a purchase. Chase offers travel rewards cards for its Ultimate Rewards program and cards for hotel and airline brands.
• Other credit cards: Other cards may come with long 0% APR periods, lower rates and fees or other features that don’t include credit card rewards.

Pros and cons of Chase credit cards

• Earn rewards for every eligible purchase.
• Typically good to excellent purchase and travel benefits.
• Local, phone and online customer service from one of the nation’s biggest banks.
• Strict credit score requirements.
• Rules often prevent getting bonuses repeatedly from the same or related cards.
• Some card issuers, such as American Express, offer cards that may better meet your needs.

AP Buyline roundup: What else should I know about Chase credit cards?

Chase enforces a variety of rules when approving new credit card applications. One is the infamous 5/24 rule, where Chase won’t give you a new credit card if you’ve received five or more cards from any issuer in the last 24 months. You may also be limited to one card in a card family. For example, you can’t have both a Sapphire Preferred and Sapphire Reserve card .

Frequently asked questions (FAQs)

Can you combine points on chase credit cards.

Chase cardholders with multiple cards can combine points through the Ultimate Rewards program. That includes cash back cards, where a cent of cash back can be converted to an Ultimate Rewards point.

What is the hardest Chase credit card to get?

The hardest Chase card to get varies based on your credit history. The premium Chase Sapphire Reserve is among the more difficult cards to open.

How do I get pre-approved for a Chase credit card?

You may get offers in the mail indicating you’re pre-qualified or pre-approved for a Chase credit card. However, that doesn’t guarantee you’ll be approved when completing the full application.

How long does it take for Chase to approve a credit card account?

Some applications are approved instantly, while others may have to wait a week or more to find their final approval status.

How many Chase credit cards can you have?

Chase doesn’t have a specific limit for the number of cards you can have. Chase looks at your total credit limits across accounts as a factor in approving new credit card accounts.