chase travel rewards cancellation policy

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How to Change a Flight Booked Through Chase

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I booked a flight through Chase Ultimate Rewards®

I transferred chase points to an airline or hotel, can travel insurance help, the bottom line.

Although some countries are slowly opening up for tourism as the coronavirus pandemic ebbs and flows around the world, constantly changing entry restrictions can create a risk for travelers booking nonrefundable trips. Luckily, many airlines and hotels are offering loosened change and cancellation policies to make it easier for travelers to modify their plans.

But what if you’ve booked your trip with Chase Ultimate RewardsⓇ points? Can you still get a full refund? If so, will you get your points back or a voucher? Here’s what you need to know about canceling trips booked through the Chase travel portal.

When you purchase a flight with cash, Chase Ultimate Rewards® points or a combination of both, your refund options will depend on your travel dates as well as Chase’s, and the carrier’s cancellation policy.

Cancel the flight by selecting it from the “My Trips” section within your chase account and either speak with a Chase representative through the live chat feature or complete Chase’s cancellation form. The form can only be accessed once you’re logged in to your account, and you will need your Chase itinerary number (11-15 characters included in your booking), along with the email address and phone number attached to your reservation.

Although calling customer service is an option, hold times can vary — so if your cancellation is straightforward, you’d be better off canceling your trip online.

» Learn more: AmEx vs. Chase points

Can I get a Chase Ultimate Rewards® points refund?

Generally, you should receive a refund in the original form of payment, but the evidence has been mixed. On Chase's website, the company says it will work with your travel provider on your behalf to manage any refunds or credits. This Reddit thread has differing reports from multiple people, ranging from receiving a refund in points or flight credits/vouchers. Some have reported initially receiving vouchers, but escalating the issue and then getting Chase Ultimate RewardsⓇ points back instead.

The situation is likely dependent on an airline’s policy. If the airline is offering flight vouchers, it may be difficult to receive a full refund in points from Chase (as opposed to a scenario in which the airline offers cash-back in the form of payment). If you’re not happy with the refund option you’ve received, try escalating the issue by contacting the Chase Ultimate Rewards® travel customer service phone number at 1-888-511-5326 or reaching out to Chase on Twitter.

» Learn more: The Chase Ultimate Rewards travel portal guide

If you’ve transferred your Chase Ultimate Rewards® points to a hotel or airline, and then made a reservation that you need to change or cancel, you’ll need to deal directly with the carrier rather than Chase. All point transfers from Chase to its airline and hotels partners are irreversible, so you will not get your Chase Ultimate Rewards® points back if you cancel your reservation. Any cancellations or changes made will be bound by the airline or hotel’s cancellation policy.

On the bright side, many airlines and hotels have loosened their cancellation policies , so there’s a higher likelihood that canceling a reservation will result in a refund of your airline or hotel points back to your loyalty account.

Travel insurance can help get your money back if you need to cancel a nonrefundable ticket for a covered reason, such as an illness, natural disaster or other extenuating circumstances.

Some travel insurance companies specifically exclude pandemics from coverage, which would nullify any claims made related to coronavirus since it was declared a pandemic by the World Health Organization on Mar. 11, 2020. Other providers do not have a pandemic exclusion at all. Furthermore, insurance options vary by state, so you’ll want to review the fine print of your policy before purchasing to ensure you get the coverage you’re looking for.

However, canceling your flight because you’re afraid of contracting coronavirus is not a covered reason. In instances like this, you’d want to look into a "Cancel For Any Reason" (CFAR) travel insurance optional add-on, which will allow you to cancel a trip for truly any reason and provide a 50%-75% refund as long as you cancel at least two days in advance. CFAR is offered by some insurers as a supplemental upgrade when purchasing a comprehensive travel insurance policy, and it cannot be purchased on its own.

» Learn more: Does my travel insurance cover the coronavirus?

Traveling now carries with it a higher degree of uncertainty than ever before. To save yourself heartache, get familiar with Chase’s and the carrier’s cancellation policies. If you’re planning a trip months away and want the option of canceling for any reason, consider purchasing the CFAR supplement when buying a travel insurance policy to ensure you receive a refund if you need to postpone your trip.

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

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

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

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

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

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

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

How to Get Your Chase Ultimate Rewards Points Back for Award Bookings

By Eric Rosen

The spread of the coronavirus and subsequent travel restrictions have caused unprecedented disruptions .

If your travel plans have been affected , you might be having a difficult time getting a refund. But those who made reservations using points are probably dealing with more issues than most. Not only is it confusing to navigate the cancellation or change rules for popular rewards programs, but in some cases, these are basically third-party bookings (as opposed to those made directly with airlines or hotels), which adds another layer of complexity. But Chase is making it easier for customers who booked trips using Chase Ultimate Rewards points to get refunds for canceled travel.

Using Chase points for travel

Chase Ultimate Rewards are some of the most popular travel rewards points available, thanks in part to how easy they are to earn through cards like the Chase Sapphire Reserve and Chase Sapphire Preferred. Ultimate Rewards can be extremely useful since they transfer to more than a dozen airline and hotel partners including Southwest Rapid Rewards, United MileagePlus, World of Hyatt, and Marriott Bonvoy, among others. Beyond that, cardholders can redeem Ultimate Rewards at fixed rates for travel reservations made directly through the Chase travel portal , which is powered by Expedia. These include flights, hotels, vacation rentals, car rentals, activities, and cruises. Depending on the card you have , your Ultimate Rewards points are worth between one and 1.5 cents apiece this way.

Because the Chase portal is a third-party site, reservations are subject to the change and cancellation policies of the travel partners you booked with, such as an airline, hotel, or cruise line. So before you try to get your points or money back, first check the rules for the specific carrier or property you booked. Most airlines, hotels, and cruise lines are waiving any cancellation or reservation change penalties and either offering refunds or future travel vouchers.

Canceling Ultimate Rewards points reservations

Once you determine that you are eligible for a refund, you can log into your Chase Ultimate Rewards account and visit this online form that the bank recently rolled out. This page is only for cancellations of travel eight days or more in the future. If your trip is sooner than that, or you simply want to push your plans to a later date, you will need to call the Chase travel desk at 1-888-511-5326 for service.

Once logged in, you can enter the itinerary number from the email confirmation you would have received at time of booking, your associated email address, and your phone number. Chase says it attempts to resolve every request within seven business days. However, given the volume of emails that have poured in, that might not always be possible. The team tends to process cancellation requests by date of travel, so if your plans are far in the future, it might take Chase a bit longer to get back to you. Also note that by filling out the form, you are giving Chase permission to cancel your reservation, so only do so if you are absolutely certain that you want to scrap your plans altogether.

A representative from Chase confirmed that “if a traveler qualifies for a refund per the travel provider policy, that refund will be in the form of the original payment, whether that is points or cash.” So cardholders who redeemed Ultimate Rewards points directly through Chase for travel arrangements should receive those points back to their account. If you booked using cash, you’ll get a statement credit to the card you used for payment. There have been incidents of people being refunded in cash rather than points, but a call to customer service should be able to resolve that.

What happens if you transferred points to another program

If you transferred your Ultimate Rewards points to one of the program’s travel partners, like JetBlue True Blue or IHG Rewards Club, things get more complicated. As in normal circumstances, once you convert your Chase points into points or miles with one of the Ultimate Rewards program’s transfer partners, you cannot get them back in the form of Chase points. They are simply stuck in your account with the travel transfer partner program.

But airlines and hotels have relaxed rules regarding changes and cancellations to award reservations, too–waiving mileage redeposit fees for canceled flights or those booked within an eligible time period, for example–so if you made an award booking directly with them, you should at least be able to get your points or miles back quickly.

While millions of people have had to cancel trips, the travel industry is helping out and being flexible with changes. Chase has also stepped up by streamlining the cancellation process for bookings made through its own travel portal, which means you should receive a refund relatively easily, whether you booked using cash or points.

We're reporting on how COVID-19 impacts travel on a daily basis. Find all of our coronavirus coverage and travel resources here.

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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

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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.

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Canceling a Chase Ultimate Rewards travel portal hotel booking

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With the nationwide outbreak of the coronavirus, lots of readers will be rescheduling or even canceling upcoming trips. My own experience canceling a hotel booking I made through the Chase travel portal might be instructive. I canceled my trip because of a serious winter storm, but the steps you take to cancel a hotel booking made through the Chase portal can apply to any cancellation.

I’d booked the package through the Chase Ultimate Rewards travel portal with points earned from my Chase Sapphire Preferred® Card. I’d never had to cancel a Chase Ultimate Rewards portal hotel booking before, but it was surprisingly easy.

Here’s the process.

Update:  Because of the novel coronavirus pandemic that is currently grinding travel to a halt you can expect to have much greater than normal holds times if you try to call in to cancel. However, you can submit a cancellation request online with this form  (which can be found on the Ultimate Rewards page’s FAQ section) and your refund should be confirmed within 7 days. Chase is currently working with Expedia to setup self-service cancellations and says that it will have them ready soon.

Keep in mind, Chase travel portal bookings are subject to the change/cancellation policies of the travel provider (i.e. hotel) and refunds will be in the original form of payment (points or cash). Chase has also said that “we are addressing individual cases and will work with customers who can’t reach us right now.”

How to cancel a Chase Ultimate Rewards travel portal hotel booking

I wanted to treat the kids to a getaway and we’ve taken winter trips to waterpark hotels in the past. There are several in Niagara Falls, Canada, including Great Wolf Lodge, Americana Waterpark Resort and Spa, and Fallsview Indoor Waterpark. (The last is where we booked; it’s affiliated with four hotels.)

You can book some of these waterpark packages through the Chase Ultimate Rewards travel portal, including Great Wolf Lodge. However, Great Wolf Lodge charges an arm and a leg (and the food and extras are horribly expensive). It would have cost ~33,000 Chase Ultimate Rewards points for a single night.

Instead, I booked the Clifton Victoria Inn at the Falls, which is part of the Fallsview Indoor Waterpark group. I chose a refundable rate and paid ~10,000 Chase Ultimate Rewards points for the night, which includes four two-day water park passes.

I’d hoped the weather forecast would change, but I ran out of luck, so I canceled it through the Chase portal. It’s a really simple process — start by navigating to travel.chase.com/trips or by clicking the “See Your Itinerary ” button on your confirmation email.

Once you find your reservation, select “Cancel Reservation. “

You’ll get a confirmation the booking has been canceled. In this case, because I paid with Chase Ultimate Rewards points, it only took a few minutes for the points to credit back to my account. However, if you’ve paid with your credit card, it can take up to 24 hours to process and up to seven days for the credit to post.

The kids, of course, were disappointed. But I was pleased it was so easy to cancel and get my points back.

What if you’ve booked a nonrefundable rate?

If you have to cancel a nonrefundable booking, you’re usually out of luck. However, Chase (and other online travel agencies) often make exceptions during major storms.

Currently, Chase has a page up on the Ultimate Rewards travel site regarding Winter Storm Harper. It advises folks with nonrefundable hotel bookings (or hotels that charge a fee to cancel) to call Chase Travel at 866-345-4003 for assistance.

For nonrefundable bookings made through other online travel agencies (like Orbitz), I’d suggest calling them first as well. If you’ve booked directly with the hotel or chain, call directly to see what they can do for you. Even if they haven’t issued an official travel waiver, reports online suggest that in many cases they’ll issue a refund or credit if you’re not able to travel because of a major storm. And right now with the novel coronavirus travel restrictions many companies have special waivers in place.

Situations like this are a good reminder to always book your travel with one of the best credit cards for travel insurance . Many have trip interruption or cancellation insurance which includes coverage for weather events like this. For example, the Chase Sapphire Preferred Card guide to benefits says you’re covered if you have to cancel because of “ Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip .” So even if your hotel or online travel agency won’t issue a refund, you may have recourse through Chase’s travel insurance.

Always read the guide to benefits to know what you are (and aren’t) covered for before you book.

Has a winter storm or the coronavirus thrown a wrench into your travel plans? Have you had to cancel hotel bookings? Share your experiences in the comments below.

Meghan Hunter

Contributor

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and general travel. Her work has also appeared in The Points Guy.

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Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

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Chase Sapphire Preferred Card Overview

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The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

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
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Chase Ultimate Rewards

Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

• Auto rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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The complete guide to Chase Ultimate Rewards

C hase Ultimate Rewards points give you access to some of the best hotel and airline transfer partners in the business, as well as Chase Travel℠ , the issuer's easy-to-use travel portal that allows you to redeem points for a wide variety of bookings, including rental cars, hotels, flights, tours and activities.

Despite increasing competition from American Express Membership Rewards , Citi ThankYou Rewards, Capital One miles and Wells Fargo Go Far Rewards , Chase Ultimate Rewards has maintained its place as one of the most valuable and useful points currencies.

If you're ready to get serious about traveling more for less, here's everything you need to know about how to earn and redeem your Chase Ultimate Rewards points.

What are Chase Ultimate Rewards points?

Ultimate Rewards points are the currency of most Chase-branded credit cards . You can earn Chase Ultimate Rewards points for everyday spending on these cards that you can then redeem for a wide range of rewards.

If you're just getting started in the world of travel credit cards, it's typically best to start with Chase products , thanks to the issuer's well-documented 5/24 rule . In short, you generally can't get approved for any Chase cards — including those that earn Ultimate Rewards points — if you've applied for five or more new credit cards across all banks in the past 24 months.

Keep this restriction in mind as you build a strategy to maximize your credit card rewards.

Related: The ultimate guide to credit card application restrictions

How do I earn Chase Ultimate Rewards points?

There are many ways to earn Chase points at rates of 1 to 10 points per dollar spent, depending on the specific Chase credit card you carry.

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

However, if you have a full Ultimate Rewards points-earning card, you can combine your Chase cash-back rewards in a single account, effectively converting your cash-back rewards into fully transferable points. For this reason, having more than one Chase card can make sense to maximize your earning and redeeming potential.

Here are the seven cards that allow you to earn Chase Ultimate Rewards points.

Chase Sapphire Preferred® Card

Welcome bonus : You'll receive 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth over $900 when redeemed through Chase Travel.

Why you want it : This is a fantastic all-around travel credit card . It earns points at the following rates:

• 5 points per dollar spent on Lyft (through March 2025)
• 5 points per dollar spent on all travel purchased through Chase Travel
• 3 points per dollar spent on dining , including eligible delivery services, takeout and dining out
• 3 points per dollar spent on select streaming services
• 3 points per dollar spent on online grocery purchases (excluding Target, Walmart and wholesale clubs)
• 2 points per dollar spent on all other travel
• 1 point per dollar spent on all other purchases

The Sapphire Preferred has no foreign transaction fees and comes with many travel perks , including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance .

Annual fee : $95

Application link: Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Welcome bonus : You'll receive 75,000 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.

Why you want it : Put simply, you want this card for its earning power and its travel perks that can easily cover the annual fee. It accrues the following earnings:

• 10 points per dollar spent on Lyft (through March 2025)
• 10 points per dollar spent on Chase Dining booked through Ultimate Rewards
• 10 points per dollar spent on hotel and car rental purchases through Chase Travel
• 5 points per dollar spent on airline travel booked through Chase Travel
• 3 points per dollar spent on travel not booked through Chase
• 3 points per dollar spent on other dining purchases
• 1 point per dollar spent on all other eligible purchases

Other perks include an easy-to-use annual travel credit worth $300, a fee credit for Global Entry or TSA PreCheck (up to $100 once every four years) and Priority Pass Select lounge access, as well as entry to the growing list of new Sapphire lounges . This is one of the few cards that allows you to use your Priority Pass membership for discounted meals in airport restaurants , though this benefit will no longer be available from July on. Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and other protections .

Annual fee : $550

Application link: Chase Sapphire Reserve®

Ink Business Preferred® Credit Card

Welcome bonus : You'll receive 100,000 points after you spend $8,000 on purchases in the first three months from account opening.

Why you want it : This is one of the best credit cards for small-business owners , earning 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping, internet, cable and phone services, and advertising made with social media sites and search engines each account anniversary year. You earn 1 point per dollar spent on all other purchases, and points don't expire as long as your account is open.

Application link: Ink Business Preferred® Credit Card

Ink Business Cash® Credit Card

Welcome bonus : Earn up to $750: $350 bonus cash back after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.

Why you want it : Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%). Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%). You can convert these earnings to Ultimate Rewards points if you have one of the three cards above.

Annual fee : $0

Application link: Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

Welcome bonus : Earn up to $750 cash back (which can become 75,000 Ultimate Rewards points) after you spend $3,000 on purchases in the first three months your account is open. Plus, an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Benefits : Earn unlimited 1.5% cash-back rewards on every purchase. These cash-back earnings can be converted to Ultimate Rewards points if you have one of the top three cards listed above, meaning your small business can essentially earn 1.5 points per dollar spent on all charges made with this card.

Application link: Ink Business Unlimited® Credit Card

Chase Freedom Flex℠

Welcome bonus : Earn $200 after you spend $500 in the first three months of account opening

Benefits : The card earns 5% back on select bonus categories, which rotate every quarter and apply up to $1,500 in combined spending (activation required). Past bonus categories include gas stations, supermarkets, restaurants, warehouse stores and department stores. You can convert these rewards to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Travel, 3% on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases.

Application link: Chase Freedom Flex℠

Chase Freedom Unlimited®

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

Benefits : These earnings can be converted to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Travel, 3% cash back on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases. Earn 1.5% on all other purchases. The card also offers 120-day purchase protection and extended warranty protection .

Application link: Chase Freedom Unlimited®

Other Chase credit cards

Note that there are many other Chase-issued credit cards that aren't listed here, including:

• Those that are no longer available to new applicants, like the Ink Plus and Chase Freedom
• Those that don't fully participate in the Ultimate Rewards program, like the Ink Business Premier® Credit Card , which exclusively offers cash back and doesn't allow rewards to be combined with other cards
• Cobranded products with a partner's loyalty program, like United Airlines cards and Southwest Airlines cards , which don't participate in Ultimate Rewards

Do Chase Ultimate Rewards points expire?

Chase Ultimate Rewards points do not expire, provided you keep at least one card that earns Ultimate Rewards points open.

If you cancel all your Ultimate Rewards cards, you must redeem or transfer your points before closing the last card. Otherwise, you will forfeit the points.

What are Chase Ultimate Rewards points worth?

TPG values Ultimate Rewards points at 2.05 cents apiece . This is largely due to the array of valuable transfer partners like World of Hyatt and United Airlines MileagePlus, as these options give you valuable flexibility in your redemptions.

However, you'll get varying values for Chase points if you pursue other redemption opportunities. For example, Ultimate Rewards points are worth 1.5 cents apiece through Chase Travel for Sapphire Reserve cardholders and 1.25 cents for those with the Sapphire Preferred or Ink Business Preferred. You'll also have access to Chase Pay Yourself Back as a cardholder of any of the above cards, and there are occasionally offers to use Chase points for Apple products or gift cards at an enhanced value.

Finally, Chase points are worth 1 cent apiece if used for simple cash back.

What are the Chase Ultimate Rewards transfer partners?

You can transfer Ultimate Rewards points to 11 airline 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

Chase also partners with three hotel programs:

• IHG One Rewards
• Marriott Bonvoy
• World of Hyatt

All transfer ratios are 1:1 (though there are occasional transfer bonuses ), and you must transfer points in 1,000-point increments.

Options to redeem Ultimate Rewards points

When redeeming Ultimate Rewards points, you have three basic options:

• Fixed-value, non-travel redemptions (e.g., cash back, gift cards, Apple products)
• Fixed-value Chase Travel bookings
• Transfers to travel partners

The "best" option comes down to your travel needs. Points are here to save you money, and you should use them when it suits you.

That being said, you should aim for the highest value whenever possible. Here's a look at all of your options.

Transfer to travel partners

Transferring Ultimate Rewards points to travel partners often can be the most valuable way to redeem your hard-earned points. With 14 transfer partners, you have plenty of options, and you can keep your Chase points in your Ultimate Rewards account until you are ready to transfer them, which provides excellent flexibility. Our favorite sweet spots include:

• Top-tier Hyatt hotels : The World of Hyatt award chart is incredibly inexpensive compared to some competitors. You can book some of the fanciest Park Hyatt properties in the entire portfolio, including the Park Hyatt New York and the Park Hyatt Sydney , for 35,000 points per night during off-peak dates. TPG values Hyatt points at 1.7 cents each, so 35,000 points are worth $595. That's a great deal for hotels that routinely sell for close to $1,000, even when demand is low. There's also great value at the lower end of the Hyatt award chart. Category 1 hotels range from 3,500 to 6,500 points per night, depending on peak, standard and off-peak pricing.
• Iberia flights to Madrid : Round-trip flights from New York's John F. Kennedy International Airport (JFK), Chicago's O'Hare International Airport (ORD) and Boston Logan International Airport (BOS) to Spain's capital will only set you back 34,000 Avios in economy, 51,000 points in premium economy or 68,000 points in business class when you transfer your Chase points to Iberia Plus. Considering that most airlines charge at least 60,000 miles for a one-way business-class award to Europe, you're essentially getting a 50% discount.
• Flights to Hawaii with Alaska Airlines and American Airlines : By transferring your Ultimate Rewards points to British Airways, you can book awards with Oneworld partners American Airlines and Alaska Airlines. As long as your nonstop flight distance is under 3,000 miles each way, you can leverage British Airways' (unpublished) distance-based award chart to fly from any West Coast gateway to Hawaii for only 26,000 Avios round-trip.
• All Nippon Airways flights booked through Virgin Atlantic : For just 145,000 points, you can fly round-trip in first class between the West Coast and Tokyo. Flights from other U.S. gateways only cost an extra 25,000 points (170,000 points round-trip). Business-class redemptions are an even better deal, costing just 90,000 to 95,000 points round-trip, depending on your U.S. departure airport. If possible, you'll want to route through JFK and fly ANA's "The Room" business class , which is only available on select routes.
• Short-haul flights to Canada : Aeroplan stuck to an award chart for partner redemptions but added dynamic pricing for Air Canada flights. As a result, you can often find super-cheap short-haul tickets from the U.S. to Canada. For example, a flight from JFK to Toronto Pearson Airport (YYZ) can be booked for under 6,000 points one-way on many dates.

Book via Chase Travel

You can book through Chase Travel and redeem points for your plane tickets, hotel stays, rental cars or experiences at a fixed cash value per point.

As a Chase Sapphire Preferred or Chase Ink Business Preferred cardholder, each point is worth 1.25 cents. If you have the Chase Sapphire Reserve, your points are worth 1.5 cents each toward travel redemptions in the portal. If you have a Chase Freedom Flex, Ink Business Unlimited Credit Card, Ink Business Cash Credit Card or Chase Freedom Unlimited, all points are worth 1 cent each.

However, as noted previously, if you have multiple cards earning Ultimate Rewards points, you can combine your points into the account with the highest value for Ultimate Rewards bookings. For example, your points earned with the Chase Freedom Flex can be moved to your Sapphire Reserve account, thus increasing their value from 1 to 1.5 cents apiece. This is a generous offer from a credit card program.

If you can find inexpensive airfare via Chase Travel, using your points for these flights can make sense to save cash. In the eyes of the airline, tickets booked this way are essentially the same as paid fares. This means you'll earn elite status credits and redeemable miles. Be careful to avoid basic economy tickets unless you are OK with their restrictions.

In the case below, spending 2,973 Ultimate Rewards points from a Sapphire Reserve account to fly from Newark Liberty International Airport (EWR) to Fort Lauderdale-Hollywood International Airport (FLL) isn't too shabby.

You might also consider the travel portal option if you only have a handful of Ultimate Rewards points left since Chase lets you redeem points to cover even just a portion of the trip cost. You would then pay the remaining balance with cash.

Finally, this is a decent option for car rentals, non-chain lodging and when cash rates make spending points through transfer partners a bad value. The hotel options are quite varied, though be aware that if you book a hotel that participates in a major loyalty program through Chase, you likely won't earn hotel points, nor will you be able to take advantage of any elite status perks.

Enjoy fixed-value, non-travel redemptions

You can redeem Chase points for a statement credit or bank deposit at a flat rate of 1 cent each, and this rate also applies to gift cards and Apple products (outside a limited-time special).

However, with Chase Pay Yourself Back, you can redeem points for cash back at a rate of 1.25 to 1.5 cents each, depending on your card. This redemption rate is valid on statement credits toward rotating purchase categories, such as dining.

Finally, you can also link your eligible Chase cards to your Amazon account and pay for purchases with the Shop With Points program. However, you will only receive a value of around 0.8 cents per Ultimate Rewards point.

As you can see, you'll generally get much better value with the program's transfer partners and Chase Travel bookings. However, we know needs can change, so these non-travel redemptions remain fall-back options.

Bottom line

Chase Ultimate Rewards is one of our favorite credit card programs at TPG. It allows you to start with a credit card offering a large welcome bonus and then enjoy bonus points on many everyday spending categories — like airfare, hotels, dining and groceries. Then, you can choose from a huge range of transfer partners, redeem points for travel directly with Chase or choose cash back.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How does travel insurance work on a credit card.

Credit card travel insurance protects you from some unforeseen circumstances that may disrupt your travel plans. If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control.

Typically, credit card travel insurance only covers the expenses that you charge to that specific card. And because different cards have different travel insurance policies, it's important to read the fine print in your card's terms and conditions to understand your coverage levels.

What is travel insurance?

Travel insurance provides protection for expenses associated with travel, both domestic and international. Travel insurance may reimburse you if your trip gets cancelled, delayed or interrupted--or if you have to pay medical costs that your primary health insurance can't cover.

Travel insurance benefits can be broken down into a few different categories:

• Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
• Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. 
• Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home. In most cases, only the part of your trip that was interrupted will be eligible for reimbursement.
• Travel delay insurance may reimburse expenses, such as a hotel stay, that arise from severe delays.
• Medical insurance works like a supplement to your existing health insurance, which may not cover medical costs that you incur abroad. Evacuation insurance covers the costs associated with an evacuation following a weather event or other disruption.
• Baggage insurance is supplemental to coverage provided by your airline or via your homeowners or renters insurance policy. Baggage coverage may reimburse you for the actual or replacement cost of your possessions, should they go missing as you travel.

What are the benefits of credit card travel insurance?

Many airlines and tour operators offer travel insurance as an add-on at point of purchase. Credit card travel insurance, on the other hand, is a feature offered on certain credit cards.

Credit card travel insurance provides the following benefits:

• Financial protection : Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any expenses out of pocket, then file a claim later for reimbursement.
• Evacuation assistance : If your credit card travel insurance includes evacuation coverage, you can get help securing transport when a covered event (like weather or a political incident) disrupts your travels. Depending on the coverage provided by your credit card travel insurance plan, even emergency medical evacuations such as those on a private jet-may be covered.
• Supplemental medical coverage : Many health insurance plans don't cover medical costs incurred outside the country. Even those that do are likely to charge a deductible. Credit card travel insurance that includes medical coverage may pay for some medical costs, including your primary plan's deductible.
• Peace of mind : Having credit card travel insurance can give you the confidence to make bold travel plans--or jet somewhere sunny in the dead of winter. A major storm might snarl your vacation plans, but with travel insurance you may get fully reimbursed.

What questions should I ask about credit card travel insurance?

Credit card travel insurance provides many benefits, but be sure to understand what coverage your card provides before you book a trip. Do your research and ask questions to maximize the value of your credit card's travel insurance program:

• What coverage levels does my card offer? Get a copy of your card's full terms and conditions to learn exactly what kinds of travel coverage are included.
• Are my family members covered by my credit card travel insurance? Travel insurance typically covers events that affect your immediate family: for example, if your child gets sick before you embark on a flight. Your more distant relatives--and pets--may not be covered, however.
• What specific events are covered? Understanding the events that can trigger a claim is crucial to getting the most out of travel insurance. For instance, involuntary unemployment may qualify you for cancellation protection--but leaving your job voluntarily may not.

Relying on credit card travel insurance

Credit card travel insurance can offer financial protection and peace of mind when you travel. Take the time to understand how your card's travel insurance works-and be aware that only expenses charged to your card are likely to be covered.

Chase Sapphire is an official partner of the PGA Championship .

• card travel tips
• credit card benefits

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Credit Cards

Limited-time 75K offers on Chase Sapphire Preferred and Sapphire Reserve

Carissa Rawson

Robin Saks Frankel

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

Grace Pilling

Published 3:58 p.m. UTC May 2, 2024

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Here’s some credit card news that should put a twinkle in your eye: Two of the best travel credit cards on the market, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® are offering a 75,000-point welcome bonus after meeting minimum spend requirements for a limited time starting May 2, 2024. With strong earning potential and phenomenal travel insurance benefits, these cards are must-haves for anyone who loves earning and burning travel rewards.

Let’s take a look at the details.

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Chase Sapphire Preferred® Card

Welcome bonus.

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

Regular APR

Credit score.

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

Editor’s Take

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

Card details

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

Boosted welcome offers on both Sapphire Cards

The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® have a lot in common. They earn the same type of points, known as Ultimate Rewards® , share the same transfer partners and offer similar travel benefits as well as purchase protections and insurances.

However, the Chase Sapphire Reserve charges a $550 annual fee, and comes laden with premium perks like lounge access and an up to $300 annual travel credit while the Chase Sapphire Preferred Card costs just $95 per year but doesn’t offer as rich an array of extras.

The lower annual fee makes the Sapphire Preferred ideal for those who may not want to shell out big bucks for a credit card, while the Sapphire Reserve’s loftier carrying cost makes it a match for those willing to pay for the card’s extras.

What’s all the hype about the Chase Sapphire Preferred? Here’s what makes this card worth the buzz .

Whatever your annual fee proclivities may be, both cards are out with a new, limited-time welcome offer, that can more than make up for the annual fee on either card:

• Chase Sapphire Preferred Card : Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
• Chase Sapphire Reserve : Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

As you can see, the offers for these cards are identical. You’ll need to meet the same amount of minimum spend for each, so the card you select is really going to come down to preference.

The previous welcome offer for both of these cards was 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

It’s important to note that you’re only eligible for the bonus on these cards if you meet specific requirements:

• You must not currently hold a Sapphire credit card.
• You must not have received a new cardmember bonus within the last 48 months.
• You must not have applied for more than five new credit cards from any issuer in the last 24 months, aka the “ Chase 5/24 rule ”.

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℠.

• Up to $300 annual travel credit and Priority Pass Select lounge access.
• Redeem points for 50% more value to book travel through Chase Travel ℠ .
• Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
• High annual fee.
• Not ideal if you aren’t interested in transferring points.
• May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.
• 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℠.
• $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℠ 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℠. 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™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Is it worth it?

Both of these cards earn Chase Ultimate Rewards® , which are an exceptionally valuable and flexible reward currency. With more than 10 hotel and airline travel loyalty partners including JetBlue, Southwest and Marriott Bonvoy, there’s a wide variety of redemption possibilities.

If transferring to loyalty partners isn’t your thing, you can also opt to redeem your Chase Ultimate Rewards within Chase Travel℠ . The value you’ll receive for your points will differ depending on which card you hold:

• Chase Sapphire Preferred Card: A point is worth 1.25 cents when redeemed this way, making the bonus worth $938.
• Chase Sapphire Reserve: A point is worth 1.50 cents when redeemed this way, making the bonus worth $1,125.

With a guaranteed value of at least $938 towards travel, those who are eligible for this welcome offer would do well to take advantage.

Plus, those who are savvy enough to take advantage of transfer partners may even get a value as high as 2 cents per point, stretching the total welcome offer value to $1,500. That makes it a no-brainer for anyone interested in amassing a pile of points quickly.

Final verdict

The Chase Sapphire Preferred Card and the Chase Sapphire Reserve are popular travel credit cards, beloved by all types of rewards enthusiasts. However, if you haven’t yet applied for one of these cards, now’s the time. New welcome offers for both cards mean you’ll get big value for meeting the minimum spending requirement.

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.

Carissa Rawson is a credit cards and award travel expert with nearly a decade of experience. You can find her work in a variety of publications, including Forbes Advisor, Business Insider, The Points Guy, Investopedia, and more. When she's not writing or editing, you can find her in your nearest airport lounge sipping a coffee before her next flight.

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.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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Who are the Chase transfer partners? Everything to know

Ultimate Rewards points are the currency of most Chase-branded credit cards. You can earn Chase Ultimate Rewards points for everyday spending and then redeem them for a wide range of rewards.

Despite increasing competition from American Express Membership Rewards points , Citi ThankYou Rewards points and Capital One miles , Chase Ultimate Rewards points have maintained their place as one of the most valuable and useful points currencies — especially with valuable products like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card .

Transferring Ultimate Rewards to travel partners is often the most valuable way to redeem your hard-earned points. With 14 different transfer partners, you have plenty of options, since you can keep your Chase points in your Ultimate Rewards account until you can transfer them.

Related: The best Chase credit cards

Here is everything to know about Chase Ultimate Rewards' transfer partners.

What are the Chase transfer partners?

You can transfer Ultimate Rewards points to 11 airline 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

Chase also partners with three hotel programs:

• IHG One Rewards
• Marriott Bonvoy
• World of Hyatt

All transfer ratios are 1:1 (though there are occasional transfer bonuses ), and you must transfer points in 1,000-point increments.

How long do Ultimate Rewards transfers take?

Most transfers from Chase Ultimate Rewards to its partner programs are instantaneous , with two exceptions. In our testing, transfers to both Singapore Airlines KrisFlyer and Marriott Bonvoy can take up to two business days.

We've heard anecdotal stories of delays with other programs, but as long as the name on your Ultimate Rewards account matches that on your loyalty program account, these should process immediately.

Note that transfer bonuses can also be inconsistent. For example, when TPG's Nick Ewen recently transferred points to Aeroplan to take advantage of a 20% bonus, the base points arrived immediately, but it took three days for the bonus points to post.

How do I transfer Chase points to partners?

You can easily transfer Chase points online. First, log in to your Chase account and navigate to the Ultimate Rewards portal. Under the Travel drop-down, select "Transfer to Travel Partners" to access the main transfer page.

You will then see the list of transfer partners. Any current transfer bonuses will also be shown (note that the screen shot below may show outdated offers). Select your desired transfer partner, link your external account if you have not already done so, select the number of Ultimate Rewards points you wish to transfer and then submit the transfer.

Remember, Ultimate Rewards transfers cannot be reversed, so it's best to wait until you have a specific use before transferring them.

What are the best Chase transfer partners?

Given the low award chart rates of the World of Hyatt program, many TPG staffers believe Hyatt is the best hotel transfer option for Ultimate Rewards points.

If you would prefer to transfer to one of the 11 different airline program partners, the best option may depend on which airlines fly to and from the destinations you wish to travel, who the program partners with and which airlines you like to travel with.

There are sweet spots to be found in most airline transfer options, especially those programs that have retained award charts .

Here are some of our favorite Ultimate Rewards sweet spots .

Top-tier Hyatt hotels

The World of Hyatt award chart has two appealing factors. First, its mere existence is notable, given most other hotel programs (including IHG One Rewards and Marriott Bonvoy, the other Chase hotel partners) have shifted to dynamic pricing .

Beyond that, Hyatt award rates can be incredibly low compared to some competitors. You can book some of the fanciest Park Hyatt properties in the entire portfolio, including the Park Hyatt New York and Park Hyatt Sydney , for just 35,000 points per night during off-peak dates. TPG values Hyatt points at 1.7 cents each, so 35,000 points are worth $595.

That's a great deal for hotels that sell for close to $1,000 per night, even when demand is low.

There's also great value at the lower end of the Hyatt award chart. Category 1 hotels range from 3,500 to 6,500 points per night, depending on whether you travel on peak, standard or off-peak dates.

Iberia flights to Madrid

Round-trip, off-peak flights from New York's John F. Kennedy International Airport (JFK), Chicago's O'Hare International Airport (ORD) and Boston Logan International Airport (BOS) to Spain's capital will only set you back 34,000 Avios in economy, 51,000 in premium economy or 68,000 in business when you transfer your Chase points to Iberia Plus. Considering that most airlines charge at least 60,000 miles for a one-way business-class award to Europe, you're essentially getting a 50% discount.

Related: 7 of the best airline award chart sweet spots

Flights to Hawaii with Alaska and American

By transferring your Ultimate Rewards to British Airways, you can book awards with Oneworld partners American Airlines and Alaska Airlines . As long as your nonstop flight distance is under 3,000 miles each way (and saver-level award space is available), you can leverage British Airways' distance-based award chart to fly from any West Coast gateway to Hawaii for only 32,000 Avios round-trip — after a December 2023 devaluation that saw prices increase by up to 32%.

ANA flights booked through Virgin Atlantic

For just 145,000 miles, you can fly round-trip in All Nippon Airways first class between the West Coast and Tokyo. Flights from other U.S. gateways only cost an extra 25,000 miles (170,000 miles round-trip). Business-class redemptions are an even better deal, costing just 90,000-95,000 miles round-trip, depending on your U.S. departure airport. If possible, you'll want to route through New York-JFK and fly ANA's new industry-leading "The Room" business class , which is only available on select routes.

However, availability can be difficult to come by.

Short-haul flights to Canada

Aeroplan stuck to an award chart for partner redemptions but added dynamic pricing for Air Canada flights. As a result, you can often find super-cheap short-haul tickets from the U.S. to Canada. For example, New York to Toronto Pearson Airport (YYZ) can be booked for under 6,000 miles one-way on many dates.

However, you can also find very reasonable award rates on Star Alliance partners through Aeroplan — including Lufthansa, Swiss and EVA Airways.

Related: Your complete guide to Star Alliance benefits

What are Chase Ultimate Rewards points worth?

TPG values Ultimate Rewards points at 2.05 cents apiece in our monthly valuations, and we believe you will receive the best value by transferring the points to partners.

However, you'll get varying values for Chase points if you pursue other redemption opportunities. For example, Ultimate Rewards points are worth 1.5 cents apiece through the Chase travel portal for Sapphire Reserve cardholders or 1.25 cents for those with the Sapphire Preferred or Ink Business Preferred . You'll also have access to Chase Pay Yourself Back as a cardholder of any of the above cards, and there are occasionally offers to use Chase points for Apple products or gift cards at an enhanced value.

Finally, Chase points are worth 1 cent apiece if used for simple cash back.

How do I earn Chase Ultimate Rewards points?

There are many ways to earn Chase points at 1-10 points per dollar spent, depending on the specific Chase credit card you carry.

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

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

Here are the cards that allow you to earn Chase Ultimate Rewards points.

Chase Sapphire Preferred Card

Welcome bonus: 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Why you want it: This is a fantastic all-around travel credit card . It earns points at the following rates:

• 5 points per dollar on Lyft (through March 2025)
• 5 points per dollar on all travel purchased through Chase Travel
• 3 points per dollar on dining, including eligible delivery services, takeout and dining out
• 3 points per dollar on select streaming services
• 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs)
• 2 points per dollar on all other travel
• 1 point per dollar on all other purchases

The Sapphire Preferred has no foreign transaction fees and has many travel perks , including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance .

Annual fee: $95

Application link: Chase Sapphire Preferred Card

Chase Sapphire Reserve

Welcome bonus: 75,000 points after you spend $4,000 on purchases in the first three months from account opening

Why you want it: The Sapphire Reserve offers earning power paired with travel perks that can easily cover the annual fee. It earns points at the following rates:

• 10 points per dollar on Lyft (through March 2025)
• 10 points per dollar on Chase Dining booked through Ultimate Rewards
• 10 points per dollar on hotel and car rental purchases through the Chase Travel
• 5 points per dollar on airline travel booked through Chase Travel
• 3 points per dollar on travel not booked through Chase
• 3 points per dollar on other dining purchases
• 1 point per dollar on all other eligible purchases

Other perks include an easy-to-use $300 annual travel credit , a fee credit for Global Entry or TSA PreCheck (up to $100 once every four years) and Priority Pass Select lounge access as well as the growing list of new Sapphire lounges . This is one of the few cards that allow you to use your Priority Pass membership for discounted meals in airport restaurants . Cardholders also get primary car rental coverage , trip interruption/cancellation insurance and other protections .

Annual fee: $550

Application link: Chase Sapphire Reserve

Ink Business Preferred Credit Card

Welcome bonus: 100,000 points after you spend $8,000 on purchases in the first three months from account opening

Why you want it: This is one of the best credit cards for small-business owners , earning 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising made with social media sites and search engines each account anniversary year. You earn 1 point per dollar on all other purchases, and points don't expire as long as your account is open.

Application link: Ink Business Preferred Credit Card

Cash-back Chase credit cards

Four Chase credit cards are technically billed as cash-back products. However, suppose you have one of the three cards noted above. In that case, you can combine your points in a single account, converting these cash-back rewards into fully transferable Ultimate Rewards points.

Even better? None of these cards charge an annual fee.

Here are the four cards that offer this functionality:

• Chase Freedom Flex : Earn $200 after you spend $500 in the first three months of account opening. Earn 5% back on select bonus categories, which rotate every quarter and apply on up to $1,500 in combined spending (activation required). Plus, earn 5% on travel purchased through Chase Travel , 3% on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases.
• Chase Freedom Unlimited : 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. Plus, earn 5% on travel purchased through Chase Travel , 3% on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases. Earn 1.5% on all other purchases.
• Ink Business Cash Credit Card : Earn up to $750: $350 bonus cash back after you spend $3,000 on purchases in the first three months, and an additional $400 when you spend $6,000 on purchases in the first six months from account opening. Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%). Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%).
• Ink Business Unlimited Credit Card : Earn $750 cash back after you spend $6,000 on purchases in the first three months from account opening. Earn unlimited 1.5% cash-back rewards on every purchase.

Note that Chase also issues the Ink Business Premier® Credit Card . However, the earnings on this card can't be combined with others in the Ultimate Rewards ecosystem.

Read more: Your guide to the Chase Ink Business credit cards

Bottom line

If you value the flexibility of choosing from 11 airline partners and three hotel partners, Chase Ultimate Rewards is one of our favorite credit card programs at TPG.

In the age of no-notice devaluations by some loyalty programs, it is smart to earn Ultimate Rewards via the range of credit card welcome bonuses, category bonuses and everyday spending, and then keep your Ultimate Rewards points until you are ready to transfer and book with an airline or hotel partner.