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Credit Cards

A traveler’s guide to the Chase Travel portal

Tamara Aydinyan

Julie Sherrier

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

Robin Saks Frankel

Updated 5:23 p.m. UTC Nov. 28, 2023

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For qualifying Chase cardholders, the easy-to-use Chase Travel℠ portal offers a flexible and convenient way to book hotels, flights, rental cars, cruises and more using points or a combination of points and cash.

What is the Chase travel portal?

A favorite among frequent travelers for its versatility and redemption options, Chase Ultimate Rewards® (UR) is one of the major transferable credit card rewards points programs and UR points are Chase’s flexible rewards currency.

The Chase travel portal works much like an online travel agency (OTA) similar to Orbitz or Priceline where you can book hotels, flights, cars, activities and cruises. But unlike a traditional OTA, with the Chase travel portal you can book travel with your Chase card’s rewards points, cash or a combination of the two.

Who can use the portal?

A handful of exclusively Chase-issued credit cards grant cardholders access to the Chase travel portal, but how you can utilize the portal and the value you can receive is card-specific.

The following credit cards are the only cards that earn Chase Ultimate Rewards points outright:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Ink Business Preferred® Credit Card * The information for the 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.

But if you or a household member own at least one of the cards above, the rewards on the following cash-back credit cards can be combined with any of the cards listed above and used as Chase Ultimate Rewards points:

• 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

And while the points earned cannot be combined with any of the UR-earning cards, the following pay-in-full card does have access to the Chase travel portal:

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

Is the portal worth using?

It’s often said that having the right travel credit card is important, but knowing how to redeem your miles and points can be as paramount as which card you use to earn them. However, not everybody has the patience or interest to learn the intricacies of different rewards programs to maximize the value of every mile and point.

So while transferring UR points to individual loyalty programs is still one of the best ways to get the most cents per point at a 1:1 basis, for those who value simplicity, the Chase travel portal offers a straightforward way to book travel, earn and redeem points and still receive a great deal. Best of all, you won’t be limited by any loyalty program or award space availability.

When transferring points, the minimum you can transfer is 1,000 points to the following UR travel partners with either the Chase Sapphire Reserve, Chase Sapphire Preferred or the Ink Business Preferred cards:

Regardless of how you’re using the Chase travel portal, it’s worth considering the pros and cons.

• The standard rate for Ultimate Rewards points when redeemed for travel through the Chase travel portal is 1 UR point = 1 cent, but can be worth significantly more with the UR-earning cards. The Chase Sapphire Reserve gets a redemption value of 1.5 cents per point through the Chase Travel℠ portal while the Chase Sapphire Preferred and Chase Ink Business Preferred cards each get 1.25 cents per point.
• Since you’re not limited to any loyalty programs, you can use your UR points to book boutique hotels that you’d otherwise only be able to book with cash.
• Flights booked through the Chase travel portal can earn frequent flyer miles and can be used toward advancing your elite status.
• You can earn a substantial amount of bonus points when booking through the Chase portal depending on the card you’re using.
• You can use a combination of points plus cash to purchase your reservation.
• Hotels booked through the Chase travel portal do not earn hotel points or credits toward elite status. Any elite status perks you’d receive if booking directly with the hotel will likely be forgone.
• If you experience any issues while traveling, you’d have to go through Chase to resolve the issue. For example, if there is a problem with your hotel reservation, you’ll have to contact a Chase representative for help resolving it since you didn’t book directly with the hotel. Dealing with a middleman during travel emergencies is less than ideal and something to be wary of when considering booking through the portal.
• Southwest Airlines flights do not show up in the UR travel portal, but can be reserved by calling the Chase Travel Center at 855-233-9462.

How to book travel through the Chase travel portal

You can access the Chase travel portal by logging into your Chase account and clicking on the Rewards balance on the right or by going to the Chase Ultimate Rewards website .

Once you’re logged in, if you have more than one UR-earning Chase card, you’ll be asked to select one to proceed with — a crucial step as each card has different earning and redemption rates.

After clicking on your selection, you will be taken to the Ultimate Rewards dashboard. If you click on the Earn / Use dropdown button, all of your Ultimate Rewards options will be presented. Click on Travel to proceed to the portal.

Once in the travel portal, you’ll  have the option of selecting the type of booking you’d like to make.

From there, your user experience will be similar to any other OTA where you can search your travel options.

Because the Chase travel portal doesn’t limit you to transfer partners or loyalty programs, you’ll be able to search almost all major airlines. One notable exception is Southwest Airlines, which is still bookable using UR points but will require a phone call to the Chase Travel Center to reserve your flight.

One difference compared to a traditional OTA is the option to buy in cash, points or a combination of both.

If you’re short on points or if you’d like to offset the cash price with some points, you’re given the option to choose how to pay.

After that, you’ll be prompted to enter your traveler information and you’re all booked. However, you will have to log into the specific airline with your reservation code in order to reserve seats.

Booking hotels through the Chase travel portal is a similar process. And with the portal’s easy-to-use search function, you can find boutique hotels that would otherwise be unbookable with loyalty-program-based points.

However, if you have elite status with a hotel chain, you’ll want to book directly rather than going through the Chase portal in order to access status benefits and have that hotel stay count toward achieving a higher status. Or, you can transfer UR points to one of three UR hotel loyalty program transfer partners, including Marriott Bonvoy, World of Hyatt or IHG One Rewards.

Rental cars can also be booked through the portal in a similar fashion. And as in many cases, being aware of which card you’re booking your car rental with can make a big difference in case of an accident as both the Chase Sapphire Reserve and Chase Sapphire Preferred offer primary car insurance , an uncommon, money-saving benefit, which saves you from having to file a claim with your private car insurance carrier first.

A quick guide to the Chase Ultimate Rewards program

As some of the most sought-after flexible points, Chase Ultimate Rewards can be accrued through several avenues. The most lucrative way is by applying for Chase credit cards and earning their respective welcome bonuses — but be wary of Chase’s 5/24 rule , which blocks applicants from opening a Chase credit card if they’ve opened five or more cards from any issuer in the past 24 months.

If you have two Chase cards that earn UR points, you can then transfer the rewards earned to the card that carries the most redemption value. For example, you can open the Chase Sapphire Preferred card and then the Chase Freedom Flex and move any points earned on the Flex card to the Preferred card, which has a boosted value of 25% more when redeemed through the portal.

Looking to add more than one new credit card to your wallet? Here’s why you shouldn’t apply for multiple cards at the same time.

Outside of regular credit card spending, you can also grow your Ultimate Rewards pile by using the Chase shopping portal. By adding just one extra step to your online shopping, you can earn bonus points for your future travels.

While transferring points to partners is one option to maximize the value of your Chase Ultimate Rewards points, there are numerous other ways to use the Chase Ultimate Rewards program to your benefit. Whether it’s redeeming your points as a statement credit for eligible, rotating categories throughout the year through the “Pay Yourself Back” feature, booking special dining experiences with your points or using the portal to book your next vacation, the Chase Ultimate Rewards program’s flexibility makes it a great option regardless of your lifestyle.

Frequently asked questions (FAQs)

Chase Ultimate Rewards (UR) are Chase Bank’s flexible rewards currency that can be earned on several of its credit cards.

The Chase travel portal can be accessed through the Chase app or the Chase website. After logging in, you can select the option to book travel.

You can use your Chase travel credit, like the up to $50 annual hotel statement credit offered by the Chase Sapphire Preferred, by booking your travel through the Chase travel portal. The statement credit will automatically be applied to your account within one to two billing cycles after your purchase posts to your account — up to an annual maximum accumulation of $50.

You can redeem your Chase Ultimate Rewards directly through the travel portal with almost all major airlines with the exception of Southwest Airlines, which can be booked over the phone. With Southwest, select the flight you want at Southwest.com and then call Chase Travel Center at 855-233-9462 with the flight details.

The value you receive from the Chase travel portal will depend on the credit card you’re using. For example, if you have either the Chase Sapphire Reserve or the Chase Sapphire Preferred, your points are worth either 50% or 25% more, respectively, when redeemed for travel.

*The information for the Chase Freedom Flex℠, Ink Business Preferred® Credit Card and Ink Business Premier℠ 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.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

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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• What is the Chase Travel Portal?

Benefits of Using the Chase Travel Portal

Chase ultimate rewards credit cards.

• Points Value
• How to Use the Portal to Book Travel

Chase Travel: Explore Destinations and Savings with Chase Ultimate Rewards

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠, Chase Freedom® Student credit card. The details for these products have not been reviewed or provided by the issuer.

• The Chase Travel℠ portal works just like an online travel agency.
• You can use points, cash, or a combination of both to book flights, hotels, rental cars, and more. 
• Several Chase cards offer better redemption values or bonus points when you book through the portal.

The Chase Travel℠ Portal is an online booking platform for flights, hotels, rental cars, cruises, activities, and vacation rentals, similar to an Online Travel Agency (OTA). If you're a Chase Ultimate Rewards® cardholder, you can use points to book travel through the portal — or pay with your card or a combination of points and cash.

Chase Ultimate Rewards is one of the most flexible and lucrative credit card rewards programs, and its benefits can be even greater depending on the Chase cards you have. With a no-annual-fee card like the Chase Freedom Flex℠ or Chase Freedom Unlimited® , your points are worth 1 cent each toward travel booked through the portal.

But if you have a Chase travel credit card like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , or Ink Business Preferred® Credit Card , you'll get 25% to 50% more value when you redeem your points for travel, plus the ability to transfer your points to Chase airline and hotel partners . 

Some Chase cards also offer bonus points for paid bookings you make through the portal. Chase added lucrative new bonus categories to the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, including certain types of travel booked through the portal.

Here's everything you need to know about booking airfare, hotels, and more through the Chase travel portal — and how to make the most of your Chase Ultimate Rewards points.

What Is the Chase Travel Portal?

The Chase travel portal works like any other Online Travel Agency (such as Travelocity or Priceline), and the searches you do for hotels, airfare, and more will produce similar results to what you see on that OTA. 

You must be a Chase credit card customer to use Chase Travel℠ to book with cash or with points. In fact, you'll only access the Chase travel portal when you log into your account management page with Chase.

Chase Travel℠ lets you book travel directly with Chase Ultimate Rewards points, use your credit card to pay, or combine the two. This is one of the main benefits of using Chase Travel℠ — you can spend the rewards points you earn directly on the travel you want without having to worry about dealing with specific hotel or airline loyalty programs. 

There are a few other key benefits to know:

• You'll still earn airline miles and work toward elite airline status: You won't earn points or elite night credits when you book a hotel stay with Chase Travel℠ because it's considered a third-party booking. However, you can earn airline and elite-qualifying miles on flights you book as long as your frequent flyer number is attached to the reservation. 
• Your points are worth more with certain Chase credit cards: Also be aware that some Chase credit cards give you more than the standard rate of 1 cent per point when you redeem your rewards for travel through Chase. We'll go into more detail on the cards that offer this perk below.
• The Chase Travel℠ portal is easy to use: If you don't want to deal with a bunch of hotel and airline award charts, booking through Chase Travel℠ can help keep your rewards game simple. You'll always be able to use your points for any booking you want without having to worry about blackout dates or capacity controls you would normally encounter with loyalty programs.

To be eligible to use the Chase Travel℠ portal, you'll need a Chase credit card that earns Chase Ultimate Rewards points . 

No-annual-fee Chase cards open to new applicants (points are worth 1 cent each through the Chase Travel℠ portal):

• Chase Freedom Unlimited® (read our Chase Freedom Unlimited review )
• Chase Freedom Flex℠ (read our Chase Freedom Flex review )
• Chase Freedom® Student credit card (read our Chase Freedom Student review )
• Ink Business Unlimited® Credit Card (read our Chase Ink Business Unlimited review )
• Ink Business Cash® Credit Card (read our Chase Ink Business Cash review )

Chase travel rewards cards open to new applicants (points are worth more with Chase Travel℠, plus these cards allow you to transfer points to airline and hotel partners):

• Chase Sapphire Reserve® (read our Chase Sapphire Reserve review )
• Chase Sapphire Preferred® Card (read our Chase Sapphire Preferred review )
• Ink Business Preferred® Credit Card (read our Chase Ink Business Preferred review )

If you have more than one Chase card, you can transfer your Chase Ultimate Rewards points between accounts. It makes the most sense to pool your points in the account that gives you the best redemption value — for example, if you pair the Chase Freedom Unlimited® and Chase Sapphire Reserve®, moving all of your Chase Ultimate Rewards to your Sapphire Reserve account will increase the value of your points when you redeem through the Chase Travel℠ portal.

To pool your points onto one card, log into your Chase online account, navigate to the "Redeem" section for your Chase Ultimate Rewards card, then select the option to combine points in the "Earn/Use" tab:

From there, you can move your Chase points between accounts in any increments you want. 

Points Value in the Chase Travel Portal

Some Chase credit cards give you a bonus when you redeem points through the Chase Travel℠ portal. Here's a summary of how much your points are worth with each Chase card:

It's important to note that Chase Ultimate Rewards points are worth, on average, 1.8 cents apiece based on Personal Finance Insider's points and miles valuations . That's because it's possible to get outsized value when you transfer points to partners for award travel.

How to Use the Chase Travel Portal

Using the Chase Travel℠ portal is a breeze, but it all starts with logging into your online account management page. From there, you'll click on the right side of your screen where it shows your Chase Ultimate Rewards account balance. 

Once you click on the account balance, you'll have the option to select the card you want to access. And remember, this step can be important because some cards give you more value from your points when you redeem them for travel.

How to book a flight through Chase travel

Once you are logged into your Chase Ultimate Rewards account, you'll see different travel options to search for at the top of the page.

To search for a flight, make sure the prompt is on "Flights" and begin searching for the flight you want. Enter your departure airport, destination, travel dates, and the number of passengers.

Once your flight options pop up on the screen, you can filter your results by the number of stops, the airlines you want to fly, and arrival times.

Note that each of your flight options will include a payment amount in points as well as a cash price. 

You can also click on "Details and baggage fees" in order to find out the cost of carry-on luggage or checked baggage, as well as whether your flight charges any change fees.

When you click to "Select" a flight option, you'll get a rundown of what is and isn't included in the fare you selected. You may also get a note that you can upgrade before you check out.

Once you settle on a flight you want, you'll be taken to the "Trip Details" page that shows the final cost of your flight in points or in cash, as well as a summary of the added costs you may be charged for baggage or change fees.

After you agree to the terms, you'll be taken to a final payment page where you can decide how you want to pay. You have the option to cover your flight entirely in points if you want, but you can also choose to pay with your Chase credit card or with a combination of points and your credit card.

During the booking process, make sure to add your frequent flyer number to your reservation. That way, you can earn miles on your booking and your flight will count toward elite status requirements. You'll also want to add your Known Traveler Number or Redress number if either applies to you.

If you forget to do it during your booking, however, you can add your frequent flyer information to your flight later on using the airline's website.

How to book a hotel through Chase travel

Booking a hotel through Chase is similarly easy, and you'll find a lot of different types of lodging options available. For example, you'll find properties from major hotel brands, but you'll also find rental condo options and boutique hotels.

To search for a hotel,  enter the destination, dates, and the number of people you want to have in your room. Once you're presented with your options, you can filter hotels based on the hotel name you're looking for, the area or neighborhood, price point, guest rating, property type, and more. 

Once again, you'll see a price listed in points as well as a cash price per night.

These prices do not include taxes and fees, however, so your price in points or cash will be higher by the time you get to the final booking page. Also be aware that the price listed is the lowest you can get for the property, but that better or upgraded rooms and suites will cost more in points.

The major downside to booking a hotel through the Chase portal is that you won't earn hotel points or elite night credits for your stay, because it's considered a third-party booking. There's also a risk that the property won't recognize your hotel elite status or give you the perks you'd normally be entitled to, like late checkout or free breakfast . This shouldn't be an issue if you're booking an independent or boutique hotel, but if you're looking for hotel points or status, it's something to be aware of.

You'll have the option to select a hotel you want as well as a room type at the property you're considering. You can also pay with your booking with points, your Chase credit card, or a combination of the two. 

How to book a rental car through Chase travel

You can also book a rental car through Chase Travel℠ using the same set of steps. Once you log into your Chase Ultimate Rewards account, click on "Cars" and then select the destination and dates.

Once you are presented with your search results, you can select the types of cars you prefer, like an economy car or an SUV. You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer (manual or automatic), as well as the total area you want to search in. 

Note that, once again, taxes and fees are not included on the initial search page. Instead, they are added to your total cost when you select a rental car. You can also pay for a rental car through Chase with points, your credit card, or a combination of the two.

How to book activities with the Chase Travel portal

Chase also lets you book a variety of activities through the portal, which they refer to as "Things to Do." Chase activities can include excursions like snorkeling or scuba diving, as well as tours of museums and historic sites. But you can also book more practical options through their activities tab, including airport pickups and other types of transportation.

To search for activities, enter the destination and dates for your trip. You'll be shown a price in points and in cash that does include taxes and fees. You can also filter options based on the type of activity, your interests, and more. Once again, you have the option to pay for activities with your points, your credit card, or a combination of the two.

How to book a cruise through Chase Travel

If you're a cruise enthusiast, you should know you can also book cruises through Chase Travel℠. When you select "Cruises" at the top of the Chase Ultimate Rewards search page, you'll be presented with a list of featured cruises and cruise specials.

You can also search for cruises based on the destination or the name of the cruise line. Note, however, that only cash prices are listed for each cruise on the portal, and that you'll have to call Chase to make a booking.

Either way, you can absolutely use your Chase points to pay for all or part of your cruise. Just have your credit card number handy and call their customer service line at 855-234-2542.

How to book a vacation rental through Chase

Chase also offers a selection of vacation rentals, which can include vacation condos, luxury villas, and more. To search, click on "Vacation Rentals" at the top of the main page, then enter your destination, dates, and the number of people in your party.

Once you start your search, you'll have the option to filter results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more. Like hotels through Chase, the price you are shown excludes taxes and fees, but they will be added to your total once you make a selection.

Also be aware that the price shown in your search results is for the lowest-tier option for each property, and that a larger rental or upgraded rental may cost more in points.

When you book vacation rentals through Chase, you can pay with points, your Chase card, or a combination of the two. 

Use the Chase Travel portal to book Luxury Hotel & Resort Collection properties

If you have the Chase Sapphire Reserve®, you can book properties within the Luxury Hotel & Resort Collection. This list of more than 1,000 properties can be reserved ahead of time, and you'll get extra benefits with each stay such as:

• Daily breakfast for two
• A special benefit worth up to $100
• Complimentary internet access
• Room upgrades when available
• Early check-in and late checkout

One detail to note with this program is the fact that you cannot pay with points. Instead, your online booking will reserve your room, and you'll be charged for the stay when you check out from the hotel. 

Should you transfer Chase points instead?

While you can book travel through the Chase Travel℠ portal directly, many people prefer to transfer points to Chase airline and hotel partners instead. Doing so could let you get more value for each point you redeem , but you'll have to run the numbers to find out for sure.

Here's a good example of how transferring points to a Chase airline or hotel partner can be a better deal, as well as the math you'll need to do to figure this out on your own. Take this one-way flight on Air France from Chicago to Paris, for example, and assume you have the Chase Sapphire Reserve® card, so you're getting 50% more value when you redeem points through the Chase Travel℠ portal.

If you were to book this flight through Chase Travel℠, you would owe 39,607 points with the Chase Sapphire Reserve®, compared with the cash price of $594.10.

However, you could book an award ticket on the exact same flight through Flying Blue (Air France's loyalty program) directly if you transferred your Chase points there first. In this case, the identical flight would set you back 22,000 miles plus $109.44. This means you would transfer 22,000 miles from Chase to your Flying Blue account, and pay the taxes and fees in cash, or by redeeming points for a statement credit to your account.

When you compare, you'll find that booking with miles directly is a better deal. After you subtract the taxes and fees from the cost of booking through Flying Blue, you wind up with a value of around 2.2 cents per mile.

With the Chase Travel℠ portal, on the other hand, you're forking over 39,607 points for the same flight, and you're getting a value of 1.5 cents for each point if you have the Chase Sapphire Reserve®. 

Accessing Chase Travel℠ is simple. If you're a Chase credit cardholder with Chase Ultimate Rewards points, you can log in to your Chase online account. Once logged in, navigate to the 'Travel" or "Rewards" section, where you'll find the Chase travel portal. From there, you can search and book flights, hotels, and other travel services using your earned points or card benefits. It's a convenient way to plan and manage your travel adventures.

Chase Travel℠ refers to the travel booking and rewards platform offered by Chase Bank. It's part of the Chase Ultimate Rewards program, allowing cardholders to use their earned points to book flights, hotels, car rentals, and other travel-related expenses. Chase Travel℠ provides a convenient way to plan and book your trips while taking advantage of the rewards and benefits associated with Chase credit cards.

To earn 5% on Chase Travel℠, consider using a Chase credit card that offers bonus rewards on travel purchases. Cards like the Chase Sapphire Preferred or Chase Sapphire Reserve often offer 5 points per dollar spent on travel booked through the Chase travel portal. Additionally, taking advantage of limited-time promotions and special offers can also help you maximize your rewards when booking travel with Chase.

Bottom Line

Keep in mind that, no matter which Chase credit card you have, there are other ways you can use your rewards points. You can redeem Chase points for statement credits or cash back, or cash them in for gift cards or merchandise. And if you have a premier Chase travel credit card, you can transfer your points to Chase airline and hotel partners at a 1:1 ratio.

However, booking travel through Chase can make your life considerably easier — especially if you don't like dealing with complicated hotel and airline programs. You may not get as much value from your points as you would if you booked a premium flight with airline miles, but the Chase travel portal does offer the flexibility to book the flight you want without any blackout dates or hoops to jump through.

The Chase travel portal offers yet another way to maximize rewards earned with a Chase credit card. Just make sure to consider all your options and the value you're getting for your points before you pull the trigger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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How to book travel (and save points) with Chase Travel

Editor's note : This is a recurring post, regularly updated with the latest information.

Chase Ultimate Rewards is one of the best flexible rewards currencies available, and you can get some incredible value from your Ultimate Rewards points .

Generally, we recommend transferring Chase points to the program's airline and hotel partners for award bookings. However, sometimes redeeming Ultimate Rewards points for paid travel through Chase Travel℠ is more advantageous. This option can save you money, particularly when traditional award space is unavailable, as you can book almost any available flight or hotel through Chase Travel.

Here's what you need to know about Chase Travel.

Related: New Chase Sapphire Preferred offer: Earn 75,000 of the most valuable points

What is Chase Travel

To maximize your Ultimate Rewards points, it's often best to transfer them to partner programs like United MileagePlus , World of Hyatt or British Airways Executive Club for award reservations. However, it's important to compare the points needed for a direct booking through Chase Travel to those required for an award booking. Sometimes, booking through the portal can be beneficial, as the points price is tied to the cash cost of the flight or hotel stay, potentially resulting in lower point requirements.

However, you need to have some Chase points before using Chase Travel. If you're unfamiliar with Chase's most popular cards and welcome offers, here are a few current ones to be aware of.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is a TPG favorite. It currently comes with one of the highest sign-up bonuses from Chase — 100,000 bonus points after you spend $8,000 on purchases in the first three months of account opening.

Based on our valuations , the bonus points alone are worth $2,050. However, you can redeem these points through Chase Travel for a fixed value of 1.25 cents apiece.

Read more: Ink Business Preferred Credit Card review: A great all-around business card

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is another fantastic addition to your wallet. For a limited time, you'll earn an elevated 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. The bonus is worth $1,538 based on TPG valuations .

Like the Ink Business Preferred, you'll get a value of 1.25 cents per point when booking directly through Chase Travel with the Sapphire Preferred. You'll also earn 5 points per dollar on paid travel purchased through Chase (excluding the first $50 in hotel purchases that qualify for the card's annual hotel credit ).

Read more: Chase Sapphire Preferred credit card review: 75,000-point bonus for a top travel card

Chase Sapphire Reserve®

For a limited time only, the Chase Sapphire Reserve® offers 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, which is worth $1,538 based on TPG valuations.

This card includes additional perks, like a PreCheck or Global Entry credit , Priority Pass lounge access and a $300 annual travel credit . This card also boosts your portal redemption rate to 1.5 cents per point, giving you 0.25 cents per point in additional purchase power over the Sapphire Preferred. When you book travel through Chase with the Sapphire Reserve, you'll earn 10 points per dollar on hotels and car rentals and 5 points per dollar on flights (excluding purchases that qualify for the $300 travel credit).

Read more: Chase Sapphire Reserve credit card review: Luxury perks and valuable rewards, plus a 75,000-point bonus

Cash-back cards

Chase also issues a number of cash-back credit cards — including the Chase Freedom Unlimited® , Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card . The rewards you earn on these cards are worth 1 cent apiece toward travel in Chase Travel. However, Chase allows you to combine your earnings into a single account . This means that you can effectively convert these cash-back rewards into fully transferable Ultimate Rewards points if you also have the Sapphire Preferred, Sapphire Reserve or Ink Business Preferred.

How to use Chase Travel

You can book flights, hotels, car rentals, cruises and other travel through Chase Travel, and it's relatively simple to access. First, you'll need to log into your Chase account, then navigate to the right side of the page, where you'll see a little box with your total Ultimate Rewards balance.

Click the box and it will bring you to the Ultimate Rewards dashboard, which looks like this:

Click "Travel" to access the travel homepage and search for airfare, hotels or vacation rentals.

Remember that when you book hotels through the portal with Ultimate Rewards points, you typically will not earn hotel points and elite credits and may not receive elite status perks because it's considered a third-party booking.

However, flights booked through the portal will typically earn frequent flyer miles and qualify for elite status.

How to book flights using Chase Travel

Booking your flights is a straightforward process once you've navigated to the portal's travel page. Type in your arrival and departure airports and travel dates, then hit the search button. For this search, I looked for a one-way flight from San Francisco International Airport (SFO) to Newark Liberty International Airport (EWR).

You'll then see the available flight options. When you find a flight you like, select the fare type you want to book and click the blue "Choose flight" button.

Once you've selected your preferred flights, you'll be taken to the next page to review your flight information and look over any upgrades you'd like to make.

Then, you'll be directed to the checkout page, where you can pay with cash, points or a combination of the two. Again, points linked to a Chase Sapphire Reserve account are worth 1.5 cents each. If you have a Chase Sapphire Preferred Card or Ink Business Preferred Credit Card , points are worth 1.25 cents each.

Finally, you'll be directed to a page where you will enter the traveler's information and finalize your flights.

How to book hotels using Chase Travel

Booking hotels is similar to booking flights on the travel portal. This can be advantageous if you're looking at hotels outside of major chains that partner with Ultimate Rewards ( Hyatt , IHG and Marriott ). Regardless of how you book your hotel, compare the award rates required by these hotel loyalty programs to ensure you're getting the best deal.

Also, if you have an eligible card, you can access the Chase Luxury Hotel & Resort Collection , which gives you perks at around 1,000 luxury properties worldwide. Participating cards include the Chase Sapphire Reserve , United℠ Explorer Card , United Club℠ Infinite Card , United Quest℠ Card and United℠ Business Card .

Here's a sample search for hotels in Olso, Norway, which hosts mostly boutique hotels.

Once you've selected your desired property, room and rate, you can specify how many points you want to use on the checkout page.

Then, run through the on-screen prompts to finalize your booking, and you'll get an email confirmation.

Remember, you'll receive up to $50 in statement credits yearly for hotel reservations made through Chase Travel as a Sapphire Preferred cardholder.

Related: Book low-end or luxury hotels to get the best value from your points

How to book car rentals, cruises and other travel using Chase Travel

Using Chase Travel, you can rent cars, pay with points and still receive the excellent primary car rental insurance offered by the Chase Sapphire Reserve and Chase Sapphire Preferred Card .

The process of renting cars is similar to booking flights and hotels. Navigate to the "Cars" header from the main landing page and type in your itinerary, even if it's a one-way rental. Then, select "Search," and the results page will pop up. Once you choose your car, you'll be prompted to select add-ons.

When you've finished selecting, you'll head to the booking page, where you'll input your personal information and choose how many points you'd like to spend. Remember that to qualify for rental car insurance, you must decline the car rental company's collision damage waiver and ensure that anyone driving the car is on the rental agreement.

You can also book activities and cruises through Chase. Regarding activities, you can use your points to book fantastic tours like a Washington, D.C., night monument tour or Singapore heritage food tour at 1.25 or 1.5 cents each. This can be an excellent way to make a vacation free, instead of just your hotels and flights.

Cruises are also available, though you'll have to call to book those.

Related: The easiest ways to save on rental cars

More things to consider about Chase Travel

Below is some general guidance to maximize your experience with the portal.

We recommend comparing the points needed through Chase Travel with those required for partner transfers, factoring in taxes and fees. If you have or want hotel elite status, avoid booking hotels through the portal. These stays generally won't count toward status or qualify for hotel elite status benefits.

Booking through Chase Travel with cash can earn you extra points; Ink Business Preferred and Sapphire Preferred cardholders earn 5 points per dollar on all travel and Sapphire Reserve cardholders earn 5 points per dollar on flights and 10 points per dollar on hotels and rental cars. You might find better rates by booking directly with the travel provider; however, if your plans are firm and rates are comparable, booking through the portal can be worthwhile for earning extra points.

Remember that booking through third-party sites may result in issues if you change your plans, though. Travel providers are more likely to assist you if you've booked directly with them.

Bottom line

Chase Travel lets you use your points to book flights, hotels, rental cars, cruises and activities. If award flights aren't available or you find a cheap fare that requires fewer points, booking through the portal can be a good option.

With the Chase Sapphire Preferred and Chase Sapphire Reserve cards offering elevated welcome bonuses of 75,000 Ultimate Rewards points, now is a great time to look at Chase Travel.

Similarly, for hotels, it can be a good deal if you find a cheap rate or book a boutique property, but keep in mind that you may not earn hotel points or receive elite benefits. Whether booking rental cars, activities or cruises, always compare the options to see if using the portal or transferring to partners for an award is more advantageous.

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The Complete Guide To Using the Chase Travel Portal — Maximize Your Options

Katie Seemann

Senior Content Contributor and News Editor

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You can earn frequent flyer miles, cards that earn chase ultimate rewards points, transfer your points between credit cards for maximum value, earning chase points by booking travel, how to access the chase travel portal, how to book a flight through chase travel, the luxury hotel and resort collection, how to book a rental car through the chase travel portal, how to book activities through chase travel, how to book a cruise through the portal, car rentals, earn bonus ultimate rewards points, pay with points, apple purchases, experiences, pay yourself back, transfer to travel partners, final thoughts.

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Chase Ultimate Rewards is one of the major transferrable points programs and a favorite among many travelers. Points are easy to earn and can be transferred to many different hotel and airline partners. But you can also book travel directly through Chase’s travel portal using Ultimate Rewards points.

Booking travel through the Chase Travel portal is simple and can be a great way to use your points.

We’ll show you everything you need to know about how to redeem your points, including the benefits, how to know what your points are worth, and how to book airlines, hotels, and more through the Chase Travel portal.

Why Book Travel Through the Chase Travel Portal?

Generally, you can get maximum value from your Chase Ultimate Rewards points by transferring them to the Chase airline and hotel partners , so why are we talking about using points through a travel portal? While it’s true that the only way to get the highest value redemptions is by transferring, there is still a lot of value to be had by booking directly through the Chase Travel portal.

Flexibility is not often available with points bookings. Unlike an award booking, booking through Chase Travel is like using any other online travel agency (OTA) . There are no blackout dates or limited inventory award seats. If a flight or hotel is available, you can book it with points through the Chase travel portal.

One of the major bummers of booking flights with frequent flyer miles is that you don’t earn miles on award bookings. You can end up doing a lot of travel without earning miles. However, any booking you make with your Chase Ultimate Rewards points through the Chase Travel portal will earn frequent flyer miles and accrue status points. Unfortunately, hotel and car rental bookings still won’t earn points.

We have talked to so many people over the years that love the idea of collecting points and miles but don’t want to deal with the hassle. While many don’t mind putting a little work into getting an awesome redemption, others are just looking for a simple way to book travel and hopefully save some money in the process.

That’s where the Chase Travel portal comes in. With this method of redeeming points, there is no transferring, comparing points values, blackout dates, limited award availability, or multiple travel accounts. You only have to deal with 1 type of point and 1 travel portal but can still retain many of the benefits of collecting points and miles in the first place.

Bottom Line: You can book flights, hotels, rental cars, activities, and cruises through the Chase Travel portal.

If you like the idea of using the Chase Travel portal, you’ll need a credit card that earns Chase Ultimate Rewards points:

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)
• $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
• Credit Card Reviews
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• Travel Rewards Credit Cards
• Best Sign Up Bonuses

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
• $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
• 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
• Best Business Credit Cards

There are also some great cash-back cards from Chase that can be used to book travel through Chase Travel. The points earned on these cards can be converted into cash-back or alternatively, they can be used in the Chase travel portal.

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

What Are Chase Ultimate Rewards Points Worth?

It’s easy to earn lots of Chase Ultimate Rewards points , but do you know how much they are worth ? If you’re transferring your Chase Ultimate Rewards points to a travel partner, their value will go up or down depending on the type of redemption.

However, when you are booking your travel directly through Chase’s travel portal, each Chase Ultimate Rewards point has a set value that won’t change . The credit card you have will determine the value of your Chase Ultimate Rewards points.

If you have multiple Chase credit cards, it makes sense to transfer your points to the card with the most valuable redemption rate. The only exception to this is the Ink Business Premier card because points earned on this card can’t be transferred to any other card.

1. To transfer your points between 2 cards, log on to the Chase dashboard and select Combine Points .

2. Then you will be able to select the card you want to transfer points from and the card you want to receive the points. After you choose, click Next.

3. You can transfer all of your points or just what you need. Click Review to continue.

4. Double-check the details and click on the Submit button to complete the transfer.

Bottom Line: Your credit card will determine the value of your Chase Ultimate Rewards points. Your points are worth between 1 to 1.5 cents each depending on which credit card you’re redeeming points through. 

What if you’d prefer to pay for your travel with a Chase credit card to earn Ultimate Rewards points? The number of points you’ll earn through the Chase travel portal is dependent on which credit card you have and what type of travel you’re purchasing.

You can log into your account in 2 ways.

First, you can go directly to the Ultimate Rewards website to log in or you can log in through your Chase account .

If you’re in your Chase account, click on one of your Ultimate Rewards credit cards and then click on Redeem next to the card’s Ultimate Rewards balance.

Then choose the card you want to use.

From here you can access Chase Travel by clicking on Travel  in the top search box or you can switch to another card’s account by clicking on the 3-line icon in the upper left-hand corner.

1. In the Travel section of your Ultimate Rewards account, click on Flights to start your search for a flight. As with any other OTA, you begin your search by inputting basic information such as departure and arrival city, travel dates, and the number of passengers.

2. Next, you will be able to narrow your search results . At the left-hand side of the page, you can filter your results by things like airline or flight times. Then you can sort your results by price, trip duration, or times using the drop-down box at the top of the search results.

3. For each flight option, you’ll be able to see the price in dollars and in points on the right-hand side of the results box.

4. Once you’ve found the flight you want, click the blue Select button. Next, you can choose your return flight using the same process as you did for selecting the outbound flight. Click the blue Select button once you have made your choice.

5. From here you can confirm your flight details and select a fare upgrade if you wish. Then, you’ll be able to choose how to pay for your flight . You can pay for the entire purchase with points or a Chase credit card, or you can split your payment between points and a Chase credit card.

6. Finally, input your passenger information next. Don’t forget to add a frequent flyer number, a Known Traveler Number, or a Redress number if you have them.

Hot Tip: When purchasing travel through the Chase travel portal, you can split your payment between Chase Ultimate Rewards points and a Chase credit card.

How To Book a Hotel Through Chase Travel

1. To book a hotel through the Chase Travel portal , you’ll need to start by clicking on the Hotels tab in the main search box. Then, input your destination, check-in and check-out dates, and the number of travelers. Next, click on the blue Search button.

2. Your search results will look like other sites that you may be familiar with. You’ll see filtering options to the left and sorting options above your search results.

3. Each search result will show the price in both dollars and Chase Ultimate Rewards points. These prices include taxes and fees with the exception of resort fees.

4. Once you select your hotel, click on Add to Itinerary . You can choose to pay for all or part of your hotel cost using Ultimate Rewards points. Click Begin Checkout to input your reservation details and finalize your booking.

Hot Tip: When booking a hotel through the Chase Travel portal, you won’t be eligible to earn points in the hotel’s loyalty program or take advantage of any elite status you may have.

The Luxury Hotel and Resort Collection (LHRC) is exclusively for Chase Sapphire Reserve cardholders. From the Ultimate Rewards travel home page, just click on The Luxury Hotel & Resort Collection tab.

Once you are on the LHRC homepage, type in your destination and click Search to view available properties. Each listing will display the property’s unique cardmember benefits. Click on the listing for more information and to continue the booking process.

When booked through the Chase Travel portal, these properties offer the following benefits:

• Daily breakfast for 2
• Special amenity (varies by property)
• Room upgrades (based on availability)
• Early check-in and late checkout (based on availability)

The Luxury Hotel and Resort Collection properties are reservation-only bookings. You’ll make your reservations online and payment doesn’t happen until you check out from the hotel. These bookings will not take Chase Ultimate Rewards points as payment.

Bottom Line: Luxury Hotel and Resort Collection properties are only available to Chase Sapphire Reserve cardmembers. These properties can’t be booked with points.

1. To rent a car through the Chase Travel portal, start by clicking on the Cars tab in the main search box. Then, input your pick-up location, drop-off location, dates, times, and age of the driver. Click on the blue Search box to continue.

2. You can then narrow your search with the filtering options on the left-hand side of the page.

3. For each car option, you will be able to see the car details, rental company, and price in both dollars and Chase Ultimate Rewards points. Once you have selected the car you want to rent, click on Add to Itinerary .

4. You can pay for the entire purchase with points or a Chase credit card or split your payment in any amount. Double-check all of the details before completing your purchase.

Did you know you can also book activities through Chase Travel?

1. Click the Activities tab on the Ultimate Rewards travel homepage to get started. Then, input your destination and travel dates and click the Search button to continue.

2. You can narrow your search by selecting 1 or more categories at the left-hand side of the page. Categories can include things like:

• Classes & workshops
• Cruises & sailing
• Food & drink
• Outdoor activities
• Seasonal & special occasions
• Tickets & passes
• Tours & sightseeing
• Transfers & ground transport
• Unique experiences

3. Each activity will show the price in both dollars and points to the right side of the screen. Click on Show Details and Pricing for more information and to book the activity.

6. Double-check all of the details on the final page before completing your purchase. Click the box confirming you understand the travel disclosures, then click Complete Checkout to finish your purchase.

Bottom Line: You can book lots of activities through the Chase Travel portal, including airport transfers!

If you’re a fan of cruises, you’ll be pleased to know you can book them through your Chase Travel portal. To get started, click on the Cruises tab on the Ultimate Rewards travel homepage.

This will bring up a list of available cruises, but there’s also a search box at the top of the screen, so you can input a specific destination or cruise line.

Each listing will display the cruise line, ship, ports of call, sailing dates, and baseline pricing for an interior or oceanview cabin. Unfortunately, if you want any more specific information or if you want to book, you will need to call 855-234-2542 .

You’ll notice that only cash prices are listed for cruises, however, they can be booked using your Chase Ultimate Rewards points, too.

Hot Tip: You can book a cruise through Chase Travel but you’ll have to call to make your reservation as they can’t be booked online.

How Do the Prices Compare to Other Sites?

Are you getting a good deal by booking through Chase? Let’s look at how the prices available through the Chase Travel portal stack up to other OTAs and search engines including Hotwire , Kayak , and Expedia .

We did some flight searches and found there’s no clear-cut pattern on prices between the Chase portal to other websites.

Example #1: Round-trip flight between Philadelphia (PHL) and San Francisco (SFO) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between Alaska Airlines and Delta Air Lines for $526.20. This worked out to be the cheapest price we found, and Priceline had the same low price. Expedia and Hotwire both charge booking fees, making the price a little higher. Each airline’s own website couldn’t split the itinerary between different airlines, so those ended up being much more expensive.

If you are in doubt or would like to check prices yourself, Kayak is a great place to start. Kayak will show you prices for a flight on all of the OTAs as well as the airline’s website. It’s a great one-stop shop to compare flight prices.

Example #2: Round-trip flight between New York City (JFK) and Paris, France (CDG) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between American Airlines and British Airways for $689.78. This wasn’t the overall best price we found, though. That award goes to Expedia and Priceline.

Hot Tip: You will earn frequent flyer miles when you book your flight through the Chase Travel portal.

Example #1: Here’s how prices looked for a week-long stay at the JW Marriott Cancun Resort & Spa in Mexico for 2 people including all taxes and fees. The $291.55 resort fee can’t be paid with points.

In this example, the best cash rate by far was through Marriott. However, if you wanted to pay with points, booking with Chase Ultimate Rewards points through the travel portal would be your best bet.

Keep in mind that Marriott doesn’t have an award chart, so different time periods can have different point costs. A 7-night stay at this hotel can dip down to 240,000 points for a 7-night stay. If you’re going to pay for your hotel stay in points, it’s always smart to calculate how many points it would cost to book through Chase versus transferring points . This information can help you make the best and least expensive choice.

Hot Tip: You won’t earn hotel loyalty points when booking a hotel through Chase and any elite status you have may not be recognized.

Example #2: Let’s look at an example of a hotel that doesn’t have a loyalty program. We priced out a 2-night stay at Almond Tree Inn Hotel in Key West, FL for 2 people. The highest prices were direct via the hotel with all other websites surveyed being cheaper.

Here’s how the prices stacked up:

Chase’s low price matched the other online travel websites and was actually lower than the hotel’s own website, so it would be a great option in this case. It also affords the opportunity to use points for a hotel that doesn’t have its own loyalty program.

In many cases, car rental prices found through the Chase Travel portal were similar to prices found on the rental agency’s own website.

The main difference in booking through Chase vs. directly through a car rental agency is that the car rental agency often has the ability to book the car without paying up front. With the Chase portal, you will be paying at the time of booking and there may be change or cancellation fees if you need to modify your reservation.

In both of these examples, Chase Travel didn’t offer the lowest price, however, that won’t always necessarily be the case. Of course, the advantage of booking through Chase is the ability to use your Chase Ultimate Rewards points. It’s always a good idea to price out your car rental on a few different websites before booking to ensure you’re getting the best price.

Chase actually offered the lowest prices on activities for both examples:

Other Ways To Use the Chase Travel Portal

The Chase Travel portal also helps you earn bonus points.  With the Shop through Chase feature, you can earn extra Ultimate Rewards points through your online shopping.

Just click Earn Bonus Points in the top search bar to access the shopping portal. Click on a featured store or search for a specific one. Then simply click through the portal to your website of choice to make your purchase. Your bonus points will be added to your Chase Ultimate Rewards points total within 3 to 5 days in most cases.

Did you know you can use your Chase Ultimate Rewards points to make purchases at Amazon and PayPal? Click on Pay with Points in the top search bar, then select either Amazon or PayPal to enroll and shop.

Unfortunately, the redemption value you get when shopping through Amazon or PayPal is pretty bad — only 0.8 cents per point. While it’s great to have this as an option, we don’t recommend using points to shop at Amazon or PayPal as your main use of Chase Ultimate Rewards points.

Bottom Line: The value of using your Chase Ultimate Rewards points to shop through Amazon or PayPal isn’t great: you will only get 0.8 cents per point!

By clicking on Apple in the main search box in your Ultimate Rewards account, you can use your Chase points to make purchases. Normally, you’ll get 1 cent per point in value when using your points for Apple purchases, but there are occasional bonuses offered to get a better redemption rate.

You can also redeem your Ultimate Rewards points for cash-back. To do this, simply select Cash-back from the main search bar at the top of the screen. You will then be able to see choose how many points you’d like to redeem for cash-back at a value of 1 cent per point .

You can choose to have your cash direct deposited into a checking or savings account or as a statement credit. The deposit or statement credit will be posted within 3 days.

Bottom Line: Your Chase Ultimate Rewards points are worth 1 cent each when redeemed as cash-back. We do not recommend this as a primary redemption option because you can get more value via the Chase Travel portal, and a lot more when transferring to airline and hotel partners.

This is a really cool section of the Chase Travel portal. When you click on Experiences in the main search bar, you’ll see a list of exclusive events, preferred seating, and other offers for select Chase cardmembers.

Experiences can be purchased with a credit card or with points. You will get 1 cent per point in value when redeeming points for experiences. Some experiences are only available to cardholders of specific cards so be sure to check all of your cards if you have more than 1 to make sure you don’t miss anything.

If you prefer gift cards, you can purchase them through the Chase Travel portal using points. Just click Gift Cards in the main search bar to get started. From here, you will be able to scroll through all of the available gift cards. You’ll get 1 cent per point in value, with occasional sales offering better redemption rates.

Hot Tip: Points redeemed for gift cards have a 1-cent per point value. However, you might notice some cards offer discounts, so there is the opportunity to get a bit more value!

Another way to use your Ultimate Rewards points is through the Pay Yourself Back feature. This allows you to redeem your points for a statement credit for purchases in select categories. The current categories include groceries, dining, select charities, credit card annual fee, internet, cable, phone, and shipping and the redemption value varies by card.

Transferring points to travel partners is the best way to get the most value out of your points . By transferring, you can potentially get 2, 3, or more cents per point value.

Chase Airline Transfer Partners

Chase Hotel Transfer Partners

To transfer your Chase Ultimate Rewards points to any of the above airline and hotel partners, log on to your account and click on Transfer To Travel Partners in the top search box. Choose your airline or hotel and then select Transfer Points . You’ll need to fill out your frequent flyer information or hotel loyalty membership number to complete the transfer.

Bottom Line: You can currently transfer your Chase Ultimate Rewards points to 14 different hotel and airline partners.

There are many ways to use your Chase Ultimate Rewards points. While transferring points to one of Chase’s airline and hotel travel partners can get you maximum value, there are a lot of benefits for booking travel directly through the Chase Travel portal .

In addition to hotels and flights, you can book car rentals, activities, and cruises. Or, you can use your points for cash back, shopping, gift cards, or Chase exclusive experiences. With so many ways to use your Chase Ultimate Rewards points, your next trip is only a few clicks away!

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 Ink Business Plus ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently Asked Questions

Do chase ultimate rewards points expire.

No. As long as you keep your Chase credit card open, your points will not expire.

Can I transfer my Chase points to someone else?

Yes. You can transfer your points to another member of your household who also has a Chase Ultimate Rewards account.

What are Chase Ultimate Rewards points worth?

When redeeming points through the Chase travel portal, the credit card you hold will determine your points’ value.

When redeeming for travel, your points have the following value:

• 1 cent : Freedom card, Freedom Flex card, Freedom Unlimited card, Ink Business Cash card, Ink Business Premier card, Ink Business Unlimited card
• 1.25 cents : Chase Sapphire Preferred card or Ink Business Preferred card
• 1.5 cents : Chase Sapphire Reserve card

When using your points to shop through Amazon or Chase Pay, they are worth 0.8 cents per point.

When redeeming your points for cash back, gift cards, or experiences they are worth 1 cent per point.

What airline partners can I transfer my Chase Ultimate Rewards points to?

Chase airline partners include Air Canada, Air France-KLM, British Airways, Iberia, Aer Lingus, Emirates, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines, and Virgin Atlantic.

What hotel partners can I transfer my Chase Ultimate Rewards Points to?

You can transfer your Chase Ultimate Rewards points to the following hotels at a 1:1 ratio: IHG, Marriott, and Hyatt.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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How to use the chase travel portal, you can use chase points to book flights, hotels, car rentals and more through its travel portal..

With the right amount of planning, it's possible to book your entire vacation, including flights , hotels , cruises , car rentals , tours and other activities, entirely on points through the Chase Travel SM portal.

But are you getting the best deal by doing this instead of transferring Chase Ultimate Rewards® points to travel partners and booking directly? It turns out there's a lot more to consider — everything from travel date flexibility and brand variety to the credit card you're using — if you want to get more value for your points by booking through Chase Travel SM .

Below, CNBC Select breaks down the best ways to book flights, hotels, cruises, tours and vacation activities through the Chase Travel SM portal with Ultimate Rewards® points.

How to use the Chase Travel SM Portal

• How to earn and redeem Chase Ultimate Rewards points
• How to get started with the Chase Travel portal
• How to book flights through the Chase Travel portal

How to book rental cars, cruises, and other travel activities

What to know about chase's airport lounges, bottom line, how to earn and redeem chase ultimate rewards® points.

To access Chase Travel SM , you'll need to have a credit card that earns Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , Ink Business Preferred® Credit Card , Ink Business Unlimited® Credit Card , Ink Business Cash® Credit Card , Chase Freedom Unlimited® or Chase Freedom Flex℠ .

The easiest way to earn Chase Ultimate Rewards points quickly is by taking advantage of the lucrative welcome bonuses offered by certain rewards cards: 

• You'll earn 75,000 points by signing up for the Chase Sapphire Preferred and spending $4,000 within the first three months of opening your account. That's worth over $900 when redeemed through Chase Travel SM
• With the Ink Business Preferred Credit Card 's welcome bonus, you'll 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 SM.
• The Chase Sapphire Reserve 's welcome bonus gives you 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth $1,125 when redeemed through Chase Travel SM .

The card you're using to redeem UR points will also affect your point redemption value . For instance, if you're using the Chase Sapphire Preferred to book through the Chase Travel SM portal, points are worth 25% more (1.25 cents per point). But if you're booking through Chase Travel SM with the Chase Sapphire Reserve , points are worth 50% more (1.5 cents per point) — the other $0 annual fee Chase cards each carry a redemption rate of 1 cent per point.

That means the bonus points you'd earn from either the Chase Sapphire Preferred's welcome bonus is worth over $900 towards travel and the Chase Sapphire Reserve's is worth $1,125 towards travel.

Chase Sapphire Preferred® Card

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, and $50 annual Chase Travel Hotel Credit, plus more.

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

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

Ink Business Preferred® Credit Card

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

21.24% - 26.24% variable

Good/Excellent

Read our Ink Business Preferred® Credit Card review.

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

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℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

How to get started with the Chase TravelSM portal

To reach the Chase Travel SM portal, log into your Chase account, then click the area near the right side of the screen where it says the amount of your Chase UR points. Depending on how many Chase credit cards you have, you may be asked to choose which one you want to proceed with.

The next screen is your credit card's main dashboard, showing how many UR points you currently have, as well as any deals or bonus opportunities. On the top of the page, you'll see several menus with redemption options.

While not the best redemption in terms of overall value, you could choose to use your Chase points for Apple and Amazon purchases, cash them in for gift cards and experiences, or reimburse yourself for certain recent charges through Chase's Pay Yourself Back tool . This is also where you can transfer points directly to one of Chase's 14 travel partners if you have a specific flight or hotel in mind. Otherwise, click "book travel" to enter the Chase Travel SM portal.

From here, you'll be able to search for flights, hotels, rental cars, activities and cruises. Simply choose your category, plug in your desired dates and details, and book with points, cash or some combination of the two.

Chase's travel partner programs

Currently, you can transfer your points to the following airline and hotel programs:

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

How to book flights through the Chase TravelSM portal

There are a few pros and cons to consider when booking flights through the Chase Travel SM portal. You won't have to worry about blackout dates or limited award availability, which makes it great if you're not flexible with dates and flight times. Just make sure you compare the number of points needed through the Chase Travel SM portal with how many points the airline would require if you were using its own miles, especially if you're hunting for a good deal on economy seats.

The catch with using the Chase Travel SM portal is you won't be able to shop for tickets on low-cost carriers like Spirit Airlines, Frontier Airlines, or Allegiant Air — you can search for flights on Alaska, Southwest, Delta, JetBlue, American, and United. You'll also be able to book flights on most international carriers.

Remember that you can still earn miles and elite credits on flights, as tickets booked through the Chase Travel SM portal are categorized as "paid" rather than as an award flight since you're "paying" for them with points instead of cash. Consider the taxes and fees you might have to pay if you were to transfer the points straight to one of Chase's travel partners versus booking directly through the portal, and to calculate and compare how many points and miles you'd earn by booking with either method.

You'll be able to search, filter, and sort by price, airline, booking class, departure time, arrival time, and departure airport. For this example, below, consider a round-trip flight from Seattle to Austin booked through the travel portal with a Chase Sapphire Preferred card (redemptions are worth 1.25 cents per point):

Results included 107 results with an economy mix-and-match United and Delta fare for $370 or about 29,600 points being the most affordable option. For comparison's sake, the points price is about the same as what United and Delta are currently charging if you were to book the awards directly through the airlines, but Delta isn't a transfer partner of Chase. You also won't earn miles if you were to book these awards through the airlines, whereas you will earn miles when booking through Chase.

To finish booking your flight through the travel portal, select your route(s), review the details, choose how many points you'd like to use and complete your purchase.

Remember that if you're booking with money rather than points, you can earn extra rewards on your booking. In our example, if you paid $370 for a flight, you'd earn 1,850 Ultimate Rewards points with your Chase Sapphire Preferred or Reserve card. Either card earns 5X points on flights purchases through Chase Travel SM .

Booking travel with Southwest

In 2023, Chase also added the ability to use Ultimate Rewards points to book Southwest flights directly through the issuer's travel portal. To do so, simply search for the flight using the process described above. Your search results will only show Wanna Get Away and Wanna Get Away Plus fares. However, when you proceed with the booking, you'll also have the option to select an Anytime or Business Select fare.

How to book hotels through the Chase TravelSM portal

While the best redemption rates are usually realized when you transfer Chase Ultimate Rewards points at a 1:1 ratio to hotel partner World of Hyatt, if you're not a huge fan of chain hotels or prefer boutiques or brands like Hilton, Choice Hotels, or Wyndham, it can be a good idea to book them through the travel portal. 

As with flights, you won't have to worry about blackout dates or limited award night availability. However, keep in mind that hotels treat the Chase Travel SM portal as a third-party booking agency, so you won't be able to earn hotel points on stays as you might by booking your stay directly with the hotel.

Hyatt hotels usually offer better deals when you book directly, and since it's one of Chase's hotel partners, you can transfer UR points instantly at a 1:1 ratio. Marriott and IHG are usually more varied, so you may score a better deal by booking via the Chase Travel SM portal instead of transferring points over. For this reason, it's a good idea to ring up how much your hotel stay would cost in points through the portal as well as the hotel's website.

Start by searching by destination so you can see a list of all the available hotels. For this example, let's try looking for hotels in downtown Austin. Once the results appear, you'll be able to narrow down your search with filters based on price, star ratings, guest ratings, amenities and neighborhood.

Let's go over a couple of options within the Chase Travel SM portal, each booked with a Chase Sapphire Preferred credit card. One option is the Four Seasons Hotel Austin, which is listed for $556 or about 44,500 points per night through Chase. If you book through Four Seasons, directly, you'll pay $561 per night. The hotel chain also doesn't have a rewards program but going through Chase provides a way to pay with points.

Another example is the Hyatt Place Austin Downtown for $288 or about 23,000 points per night through Chase. If you were to book this directly through Hyatt, you'd pay $279 per night as a member of its loyalty program or just 15,000 World of Hyatt points per night if you booked with points. Since you can transfer your Ultimate Rewards points to Hyatt at a 1:1 ratio, in this case, transferring would make more sense.

As you can see, it's worth comparing points required by the travel portal and each hotel's website, as the time of year, location, and other factors may play a part in pricing. To book your stay through the travel portal, select your room type, review the details, choose how many points you'd like to use and complete your purchase.

If you have the Chase Sapphire Reserve card, you also get access to The Edit by Chase Travel SM — a premium travel booking platform offering complimentary benefits at featured properties. These perks include a room upgrade (if available), $100 property credit and daily breakfast for two, to name just a few.

It's a pretty similar process if you want to book rental cars, tours and other travel activities through the Chase Travel SM portal. Cruises can also be booked as well, but you'll need to call.

As far as car rentals, make sure you're booking through the travel portal with points that are connected to Chase Sapphire Preferred or Chase Sapphire Reserve to take advantage of extra perks like primary rental car insurance — you'll also need to decline the rental car company's auto collision damage waiver when you book to activate this. You'll want to charge at least a few dollars to the card and not use points to cover the entire booking which ensures that you're still "paying" for the car rental with your Sapphire card, which means you'll be entitled to the card's rental car insurance.

Beyond that, simply plug in your itinerary and search. Here's an example for a rental in Austin booked with a Chase Sapphire Preferred credit card:

You'll be able to filter your search by capacity, car type, price per day, company, and car options (like air conditioning and automatic transmission). For a seven-day rental, it would cost around 24,800 points or $310 for the cheapest option. As with other travel portal purchases, you'll be able to enter how many Chase Ultimate Rewards points you wish to put toward the final price. It works the same way for booking tours and other travel activities, so you could potentially enjoy a free — or nearly free — vacation solely on Chase points if you were to plan it all out properly.

When it comes to Chase, your travel benefits don't end with booking. If you have the Chase Sapphire Reserve card, you also enroll and get access to two airport lounge networks: Priority Pass and Chase's Sapphire Lounge by The Club.

The Sapphire Lounge network officially consists of four lounges:

• Boston (BOS)
• Hong Kong (HKG)
• New York City (LGA)
• New York City (JFK)

Chase also manages and operates a lounge at Washington Dulles International Airport (IAD) on behalf of Etihad Airways. This lounge isn't branded as a full-fledged Sapphire Lounge, but it features a similar design and follows similar access rules.

Chase is planning to open four more Sapphire lounges in the future: in Las Vegas, Philadephia, Phoenix and San Diego.

Separately, Chase Sapphire Reserve cardholders also receive access to Sapphire Terrace at the Austin-Bergstrom airport in Austin, Texas.

Priority Pass, on the other hand, is a vast network with over 1,500 airport lounges around the world.

Booking through the Chase Travel SM portal can be a great use of your Ultimate Rewards® points, but make sure to compare the rates against booking directly with an airline or hotel itself. Finally, consider transferring your points to one of Chase's travel partners, especially if you're looking to book a luxury hotel or flight in business class.

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 .

Why trust CNBC Select?

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 guide is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products . 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.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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UponArriving

Tips for Contacting Chase Sapphire Customer Service (Reserve & Preferred) [2020]

There’s a million reasons why you may need to call Chase customer service for your Chase Sapphire Preferred or Chase Sapphire Reserve but there are a few important issues that many people run into.

And as good as the customer service reps are for Chase, sometimes they only have a basic understanding of some of these topics and benefits, so it’s a good idea to get as well-versed as you can before contacting them.

In this review article, I’ll give you some tips for contacting Chase customer service so that you’ll be as informed as possible and won’t get tripped up in the process. 

Interested in finding out the top travel credit cards for this month? Click here to check them out! 

Table of Contents

Contacting Chase customer service

There are several methods for contacting Chase customer service for Sapphire cardholders.

Chase Sapphire customer service phone number

The Chase Sapphire Reserve customer service phone number is: 1-800-436-7970.

You can also call the number on the back of your card.

You should be able to quickly reach a live representative and not have to wait very long, which is one reason why I’m such a huge fan of the Sapphire customer service line — it saves me time. However, if you’re calling from a phone number not associated with your account, you’ll probably have to input your credit card details.

I usually call this line even when I have inquiries about my other Chase cards since it often expedites the process.

If you have more general questions for Chase you can call: the Chase Customer Service phone number at:  1-800-935-9935.

Secured message (no email or chat)

Chase doesn’t have a public email or chat service available to its customers to utilize for customer service related issues but you can still send them a secured message by logging into your account. If you want to do this, then log-in and go to the “Contact Us”  and click on “Send us a message” using the Secure Message Center.

It will usually take about a full day to get a response with a secured message though it depends on the content and requests within the message.

You might also try to hit them up on Twitter if you think it’s something suitable for the public eye.

In-branch visit

If you need to visit a branch in person to speak to someone face to face then you might want to l ocate a Chase branch . Generally, you can just walk in but if you have something special you want to discuss like Chase Private Client or something business related then you’ll want to make an appointment.

Mailing address

If you’re more into old-fashioned communication you can also mail Chase at:

Card Services PO Box 15298 Wilmington, DE 19850

Upgrading/downgrading or product-changing a card

Sometimes you’ll want to upgrade or product change your Sapphire card but you will usually have to wait one year from the time of opening up your card in order for you to do so.

Also, keep in mind that they won’t allow you to product change your credit card to co-branded credit cards. This means that you can’t product change a Sapphire Preferred to a co-branded credit card like the Chase Southwest card or the chase Hyatt card, for example.

You can read more about upgrading/downgrading or product-changing your Chase Sapphire cards  here . 

Getting matched to higher offers

Chase is pretty good about matching your sign-up bonus to a higher offer if you call in and request the match within 90 days of being approved for the card with the lower sign-up bonus. You can do this over the phone or you can also send in a secured message and request it that way.

Simply tell the agent that you discovered a new, higher offer within the last 90 days since your approval and they should match to the higher offer so long as the higher offer is available to the public.

Chase Sapphire retention offers

A retention offer is a special offer that banks offer to you in order to prevent you from closing your card. Typically, if you’ve used your card a lot over the course of the past year, you can expect a retention offer. Chase is known for being pretty stingy when it comes to retention offers for the Chase Sapphire Preferred and Chase Sapphire Reserve so I wouldn’t be expecting much, though you never know what could happen.

Credit limit increase

Chase will allow you to request credit limit increases via phone or online. Generally, ti’s a pretty straight forward process but there are some things you can do to improve your odds of getting approved for a credit limit increase. For example, it helps to have a genuine and legitimate need for the credit limit increase and to ask for a reasonable amount (ask for something in the  range of a 25% increase). 

You should also note that Chase will perform a hard pull unless you’re able to get Chase to do an automatic credit limit increase on your card. You can read more about tips for a credit limit increase here . 

Priority Pass lounge questions

Sapphire Reserve cardmembers get Priority Pass access, which is a membership into over 1,000 airport lounges around the globe (Sapphire Preferred members don’t get this).

Once you have your Sapphire Reserve online account setup, log-in and go to Ultimate Rewards. From there, click on “Card Benefits” and then the “Activate Now” button. That will activate the benefit for you and any authorized users you have added to your account. Your membership will remain active until you close the card.

If you add your authorized user after activating the card for yourself, just call in to Chase and let them know what you’re trying to do. You can read more about Sapphire Reserve lounge access here . 

Shifting credit

Chase will allow you to shift credit around between different credit cards but there are some restrictions you should be aware of.

For one, you cannot transfer credit between personal and business cards (Chase allowed this in the past but not any longer). Second, some of your cards are going to require different minimum credit limits to remain open. So you might have to leave $500 or $1,000 on a credit card. You can read more about shifting credit to another card here . 

Travel credit questions

The Sapphire Reserve comes with a $300 travel credit which can be used on just about anything travel related (so long as it codes as a proper travel purchase). The credit works pretty straightforward and you can read more about how the credit works here . 

Travel notifications

You can call into Chase and request your travel notifications over the phone if you’d like. It’s a smart idea to do that so that your credit card will work when traveling aboard but note that sometimes you don’t even need to set a travel notification (especially if you’ve done extensive traveling in the past.

You can read more about setting traveling notices here . 

Chase reconsideration line

If you’ve applied for another card and you were not instantly approved or outright rejected you may want to call up Chase and see if you can still get approved for a credit card. For this request, you don’t want to call the phone number on the back of your credit card. Instead, you cant to call the Chase reconsideration line.

The Chase reconsideration line phone number is  1-888-270-2127.

The Chase reconsideration line hours of operation are usually:

• 7am to 10pm EST Monday through Friday
• 8am to 1 pm EST Saturday
• 9am to 9pm EST on Sunday

Be sure to read my tips on handling a Chase reconsideration phone call here . 

Application status

If you’ve applied for another credit card and you want to check on the status of that application there are a number of ways that you can do so.

The automated phone number to check your Chase credit card application status is:  1-888-338-2586.

If that doesn’t work, older numbers might work:

1-800-432-3117 and 1 – 800-436-7927 for personal cards and 1- 800-453-9719 for Chase business cards. 

You can also check your status online since you’re already a Chase customer as a Sapphire cardholder. You can read more about these methods here . 

Chase 5/24 questions

Chase has some pretty infamous credit card application rules, one of which is the 5/24 rule which might be the most well known credit card rule. It means that you won’t get approved for certain Chase cards if you’ve opened five or more accounts over the past 24 months but here are a few exceptions to the rule and it doesn’t apply to every Chase credit card out there.

If you call into Chase and inquire about this rule there’s a good chance you might not get a thorough explanation on how this rule really works. However, I’ve put together an article that will tell you everything you need to know about the 5/24 rule and you can read about it here . 

Banking questions

If you have questions more related to banking issues you can call the number on the back of your card and start your inquiry there but they will likely transfer you to another department. You can check out my articles for questions on making a Chase wire transfer and for ordering checks for common questions on those.

Chase roadside assistance

If you have questions about the Sapphire Reserve roadside assistance, they are available 24 hours a day, 365 days a year by calling this phone number:  1-866-860-7978.  I’ve also put together an article outlining how this program works and all of the benefits that it provides which you can read about here .

Chase Rental car insurance

Both the Chase Sapphire Preferred and the Chase Sapphire Reserve offer primary rental car coverage which means that you usually won’t have to file a claim with your insurance provider. The policies for these cards are slightly different and I’ve written article on the  Chase Sapphire Preferred rental car insurance  and on the rental car coverage policy for the Chase Sapphire Reserve .

Sapphire Reserve rental car benefits

The Sapphire Reserve comes with rental car benefits that you might want to find out additional details for. I suggest reading my guide on rental car benefits here for more information.

Sapphire Reserve travel insurance

The Sapphire Reserve offers some very solid travel insurance with some of the best coverage in the industry. If you want to find out the details for what type of things are covered you can click here .

Purchase protection

Chase Sapphire Reserve purchase protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. The  Chase Sapphire Preferred only gets coverage up to a maximum of $500 per claim  and up to $50,000 per account. You can read more about these policies here .

These are a lot common inquiries that Chase Sapphire cardholders have. As good as the customer service can be for Chase Sapphire cardholders, sometimes the agents only have a surface-level understanding of some of the key benefits of the card. So it helps to dig deep into the details of your questions before you talk to them so that you can have an informed discussion on the topic.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

One comment

A few years ago I successfully booked VACATION RENTAL accommodation in Europe through the Chase Travel Portal using my hard earned Chase credit card Ultimate Reward points. For the past year I have been considering planning a trip to London and would like to use my Ultimate Reward points. Periodically I have checked the Chase Travel Portal but I never see an option to book a VACATION RENTAL or even to choose KITCHENETTE as an amenity. I have found this extremely frustrating. I have called multiple times and have not found customer service regarding this matter helpful. I do not understand why booking a hotel with a kitchenette should be so difficult.

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Table of Contents

What are Chase travel credit cards?

Earning chase points, the value of flexible point currencies, maximizing your benefits, chase travel cards, recapped.

Chase travel credit cards are some of the most popular and beginner-friendly cards. Perhaps you’ve heard a friend or family member totaling up all the great rewards they’re redeeming and you want in. Even if you’ve already got a co-branded card, such as those offered by Hyatt and United, Chase’s own travel credit cards are well-worth investing in.

Let’s take a look at the different types of Chase travel cards, why they’re valuable and the different benefits they provide.

» Learn more: The best travel credit cards right now

Chase has two very distinct categories of travel credit cards. The first is Chase’s own branded cards, like the Chase Sapphire cards or the Chase Freedom cards. These can earn either cash back or points, depending on which card you hold. Chase’s travel cards earn Ultimate Rewards® . These points can be used in many different ways, including:

Gift cards.

Reward travel.

Transfers to other partners.

The second type of travel credit card that Chase offers is the co-branded credit card, which is a partnership between Chase and an airline or hotel. This includes options such as the IHG One Rewards Premier Credit Card and the United Quest℠ Card .

These cards will earn points in the currency of its respective program. For IHG, you’ll earn IHG points . For United, you’ll earn United MileagePlus miles .

» Learn more: Is the Chase Sapphire Reserve® worth its annual fee?

When you sign-up for a new credit card, you’ll usually be able to earn a welcome bonus. This bonus is a lump-sum deposit of points into your account once you’ve met a certain spend threshold.

Two of Chase’s most popular travel cards, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® , both come with a welcome bonus in points:

Chase Sapphire Preferred® Card : 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℠.

Chase Sapphire Reserve® : 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℠.

You’ll also keep earning Chase points after you receive your sign-up bonus, though the number of Chase points you’ll earn will depend on which card you hold.

The Chase Sapphire Reserve® , for example, will earn 10x points on dining and 5x points on airfare purchased through Chase Ultimate Rewards®. You’ll also earn 3x points on all other travel purchases, including dining purchases, though you’ll be on the hook for a hefty $550 annual fee.

The Chase Sapphire Preferred® Card , meanwhile, will charge you a $95 annual fee and earns 5x points on travel purchased through Chase Ultimate Rewards® and 2x points on all other travel.

The more expensive Chase Sapphire Reserve® card allows you to redeem your points for 1.5 cents in value via Chase's travel portal, while the Chase Sapphire Preferred® Card will give you a value of 1.25 cents per point.

» Learn more: How to build your ideal Chase Ultimate Rewards® wallet

So why would you pick a Chase card rather than a co-branded credit card, especially if you’re pretty loyal to one chain? Say you really like to stay at Hyatt, so you’re trying to decide between the World of Hyatt Credit Card ( $95 annual fee) and the Chase Sapphire Preferred® Card ( $95 annual fee).

The World of Hyatt Credit Card earns up to 9x Hyatt points at Hyatt and 2x points on dining, transit, flights and gym memberships. It earns 1x points everywhere else.

The Chase Sapphire Preferred® Card , meanwhile, earns 5x points on travel booked via Chase's travel portal and 3x points on dining. It also earns 3x points on all other travel — after spending your first $300 on travel purchases annually — and 1x points for all other purchases.

On its face, you can see that World of Hyatt Credit Card will earn you more points than a Chase card, at least when spending at Hyatt. But if you’re into dining out and making normal travel purchases, you’ll outearn the Hyatt card with the Chase card every time.

And using the Chase card won't stop you from getting Hyatt points, either. This is thanks to the status of Chase Ultimate Rewards® as a transferable point currency .

Chase Ultimate Rewards® transfer to 14 different hotel and airline partners, Hyatt included. These points transfer over at a 1:1 ratio so one Chase point becomes 1 Hyatt point.

Even more important than earning Hyatt points is the ability to transfer to other partners. Chase Ultimate Rewards® can be turned into United miles, which you can use to book flights. You can transfer them over to Marriott for a luxurious stay in Europe or even send them to Southwest for cheap flights to Hawaii.

With a whole host of different partners, your Chase Ultimate Rewards® have far more versatility than any single airline or hotel credit card can provide.

» Learn more: A beginner’s guide to traveling on points and miles

Chase’s travel cards do more than just earn and transfer points. Both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® , for example, come with additional benefits simply for being a cardholder.

The Chase Sapphire Preferred® Card features an annual $50 hotel credit, good for hotels booked through Chase's travel portal .

The Chase Sapphire Reserve® provides even more benefits to support its $550 annual fee:

$300 annual travel credit .

Airport lounge access via a Priority Pass Select membership.

Access to the Luxury Hotels & Resorts program.

$100 TSA PreCheck/Global Entry credit.

Although other travel cards also come with handy benefits, the $300 credit the Chase Sapphire Reserve® provides effectively knocks a major chunk off the annual fee.

» Learn more: The Chase Sapphire Preferred® Card vs. Chase Sapphire Reserve®

Is there a best Chase travel credit card? The answer depends on you. If you’re looking for a moderately priced card that’ll provide solid benefits, the Chase Sapphire Preferred® Card may be a good option for you. If you’re wanting some perks at the airport and don’t mind shelling out more for an annual fee, the Chase Sapphire Reserve® may be a better fit.

Whether you’re looking for your first travel card or already have half a dozen under your belt, Chase’s travel credit cards offer excellent earnings and solid perks for any potential traveler.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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%-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!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Chase Ultimate Rewards travel portal review: A messy trip, but not their fault

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Booking travel through a credit card issuer’s portal — which is essentially their version of an online travel agency (OTA) such as Expedia or Orbitz — has its pros and cons.

The main advantage is extra rewards. That’s what convinced me to book a recent trip through the Chase Ultimate Rewards portal using my Chase Freedom Flex℠ *.

I earned 5 percent cash back on those flights, whereas I would have only earned 1 percent if I booked directly with the airline. I bought $1,137.26 worth of airfare, so there was a significant difference between 5 percent ($56.86) and 1 percent ($11.37).

Sometimes it can also make sense to use a card issuer’s travel portal if you’re redeeming rewards for the trip. That’s especially compelling if you have a card such as the Chase Sapphire Preferred® Card , which boosts the value of your rewards by 25 percent if you use them in this fashion.

The main drawback of any OTA — card issuer portals included — is that booking travel this way introduces an intermediary into the transaction. If anything goes wrong with your trip, you need to deal with the travel agency’s customer service instead of (or sometimes in addition to) the hotel or airline provider. This can make things more complicated.

Another important note is that hotel bookings made through OTAs typically do not earn loyalty points or count toward elite status. Airline reservations, on the other hand, are generally eligible for frequent flyer miles and elite status qualification.

In my case, I decided that an extra $45.49 in cash back was worth giving the Chase travel portal a shot. I also viewed it as a professional development opportunity to see how this works in the real world.

What happened with my trip

A Bankrate survey revealed that 79 percent of travelers who’ve taken an overnight trip outside their local area so far this year experienced at least one travel-related problem. These included high prices (57 percent), long waits (29 percent), poor customer service (27 percent), hard-to-find availability (26 percent) and lost money due to canceled or disrupted plans (14 percent). I experienced every single one of those things the night before my wife and daughter were scheduled to leave on the trip I booked through Chase.

Actually, I should back up. The problems started even earlier than that. Weeks before the trip, American Airlines made a schedule change that jeopardized my wife Chelsea and daughter Ashleigh’s chances of making their connecting flight. The new layover seemed impossibly short.

This was my first test of the customer service for the Chase travel portal. They passed with flying colors, efficiently rebooking Chelsea and Ashleigh at no extra cost and arranging the flights in such a way that it seemed much more likely they would be able to get from one plane to the other. It was fairly complicated because the connecting city needed to change, but the whole process was smooth. I was impressed.

Fast-forward to the night before the trip

We received an email from American Airlines that Chelsea and Ashleigh’s flight from Newark to Phoenix was canceled. There was no explanation, but we assume it had to do with either a staffing or equipment shortage since the weather was calm on both ends; the airline offered to rebook them on the same itinerary two days later. That was far from ideal, since the whole trip was only supposed to last five days (the ultimate destination was Monterey, California, where Chelsea’s parents live).

We simultaneously reached out to both Chase and American. Chelsea reported that the wait to speak with someone at the airline was listed at four hours. I got through to a Chase representative almost immediately.

I explained the situation, and the customer service agent and I started brainstorming alternatives. Was there a different way to get to Phoenix in time for the connecting flight to Monterey? We looked at Newark, JFK, LaGuardia — even as far away as Philadelphia and Hartford, but no dice. How about an entirely new routing? Could they fly from somewhere in the New York area to San Francisco, San Jose or Oakland, California? Those cities are all within a couple hours’ drive of Monterey.

After several attempts to find something that would work, we gave up. Nothing seemed to work. The Chase representative was great, and I feel like he did everything he could to try and solve our dilemma. American Airlines just didn’t have any availability.

We eventually got through to American Airlines and confirmed there were only two options: Travel two days later or cancel. We opted to cancel but — plot twist — we still found a way for Chelsea to visit her parents and for Ashleigh to see her grandparents. We rolled the dice and made an entirely new reservation with JetBlue. They had an early-morning flight from JFK to San Francisco with a few available seats.

The backup plan

The trip ended up costing $700 more due to higher-priced, last-minute plane tickets and a rental car to get them from San Francisco to Monterey, but the trip had a happy ending. It was ironic, too, because we had sworn off JetBlue after experiencing significant issues with them during family trips in the past. This time, they saved the day, and American Airlines dropped the ball.

I’ve heard that some people have taken to making backup flight reservations, especially on carriers such as Southwest, which have particularly generous cancellation policies. I’m not sure I would go that far, but there’s no doubt air travel has been a mess lately. In my view, airlines need to do a much better job of setting their schedules and sticking to them. Unfortunately, there’s little that passengers can do to protect themselves.

Travel insurance might help, and some credit cards provide travel insurance benefits at no added cost. But, at the end of the day, the airlines are the ones responsible for getting us from point A to point B.

The Chase portal wasn’t the problem; I would use it again. But given the current state of the airline industry, I’m going to be anxiously waiting to see if my next flight takes off as planned.

Have a question about credit cards? E-mail me at [email protected] and I’d be happy to help.

*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.

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