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Chase Ultimate Rewards ®

Use your points to fuel your passions.

Not earning rewards? Apply for a Chase credit card with Ultimate Rewards today.

Explore the possibilities

Earn bonus points on select purchases and redeem for travel, gift cards, cash back and more.

Pay with Points

Use your points to pay for all or part of your eligible Amazon.com orders or when you check out with PayPal.

Apple ® Ultimate Rewards Store

Use your points to pay for all or part of your Apple purchases.

Shop over 175 of your favorite gift card brands.

Pay Yourself Back

Choose to receive a statement credit on one or more of your eligible purchases.

Chase Dining℠

Redeem your points for takeout, reservations or exclusive culinary experiences.

Plan your next getaway, and use your points to help pay for it.

Earn Bonus Points

Earn 1-15 bonus points per $1 spent at 450+ stores with Shop through Chase ® .

Turn your rewards into a statement credit or a direct deposit into most U.S. checking and savings accounts.

Experiences

Use your card and points to attend exclusive events curated around your passions with select cards.

Transfer to Travel Partners

Transfer your points to any of our airline and hotel partners at full 1:1 value with select cards.

Enjoy value, flexibility and choice

Here are just some of the perks you could get with Chase Ultimate Rewards.

Ready to get away?

Remember to book your travel through Chase. You'll get competitive prices plus the flexibility to use your points, your card or both.

Pay with points

Instantly redeem your points to pay for all or part of your eligible orders at Amazon.com or when you check out with PayPal.

Find something delicious

Visit Chase Dining℠ to redeem points for takeout, access exclusive reservations and book culinary experiences.

Si tienes alguna pregunta, por favor, llama al número de teléfono que está al reverso de tu tarjeta.

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A traveler’s guide to the Chase Travel portal

Tamara Aydinyan

Julie Sherrier

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

Robin Saks Frankel

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

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

What is the Chase travel portal?

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

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

Who can use the portal?

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

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

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

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

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

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

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

Is the portal worth using?

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

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

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

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

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

How to book travel through the Chase travel portal

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

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

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

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

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

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

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

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

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

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

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

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

A quick guide to the Chase Ultimate Rewards program

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

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

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

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

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

Frequently asked questions (FAQs)

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

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

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

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

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

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

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

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

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

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

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

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

Katie Seemann

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Table of Contents

Why book travel through the chase travel portal, cards that earn chase ultimate rewards points, what are chase ultimate rewards points worth, earning chase points by booking travel, how to access the chase travel portal, how to book a flight through chase travel, how to book a hotel through chase travel, how to book a rental car through the chase travel portal, how to book activities through chase travel, how to book a cruise through the portal, how do the prices compare to other sites, other ways to use the chase travel portal, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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

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

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

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

Flexibility

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

You Can Earn Frequent Flyer Miles

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

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

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

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

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

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

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

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

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

Chase Ultimate Rewards

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Transfer Your Points Between Credit Cards for Maximum Value

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

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

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

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

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

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

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

You can log into your account in 2 ways.

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

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

Then choose the card you want to use.

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

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

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

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

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

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

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

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

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

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

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

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

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

The Luxury Hotel and Resort Collection

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here’s how the prices stacked up:

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

Car Rentals

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

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

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

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

Earn Bonus Ultimate Rewards Points

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

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

Pay With Points

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

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

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

Apple Purchases

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

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

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

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

Experiences

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

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

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

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

Pay Yourself Back

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

Transfer To Travel Partners

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

Chase Airline Transfer Partners

Chase Hotel Transfer Partners

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

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

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

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

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

Frequently Asked Questions

Do chase ultimate rewards points expire.

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

Can I transfer my Chase points to someone else?

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

What are Chase Ultimate Rewards points worth?

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

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

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

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

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

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

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

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

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

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About Katie Seemann

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

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Chase Ultimate Rewards: How the Program Works

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

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

» MORE: Chase credit cards mobile app review

In this article

Chase Ultimate Rewards®: The basics

How much are Chase Ultimate Rewards® points worth?

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

Frequently asked questions and Chase Ultimate Rewards®

Earning Chase Ultimate Rewards points

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

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

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

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

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

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

Redeeming Chase Ultimate Rewards points

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

Gift cards.

Amazon purchases.

Apple purchases.

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

Cash redemptions

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

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

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

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

Travel redemptions

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

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

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

Booking travel through Chase

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

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

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

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

Transferring points to Chase travel partners

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

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

Aer Lingus (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Emirates (1:1 ratio).

Iberia (1:1 ratio).

JetBlue (1:1 ratio).

Singapore (1:1 ratio).

Southwest (1:1 ratio).

United (1:1 ratio).

Virgin Atlantic (1:1 ratio).

Hyatt (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

Marriott (1:1 ratio).

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

See our guide to American Express Membership Rewards .

See our guide to Citi ThankYou Points .

Card-to-card points transfers

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

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

» MORE: What is the 'Chase trifecta'?

Chase Dining

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

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

Chase Experiences

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

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

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

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

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

Chase Sapphire Preferred® Card

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

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

3 points per $1 spent on select streaming services.

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

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

1 point per $1 spent on other purchases.

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

» READ OUR REVIEW of the Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

10 points per $1 spent on Chase Dining purchases.

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

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

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

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

» READ OUR REVIEW of the Chase Sapphire Reserve®

Chase Freedom Flex℠

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

5% cash back on travel purchased through Chase.

3% back at restaurants.

3% back at drugstores.

1% back on all other purchases.

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

» READ OUR REVIEW of the Chase Freedom Flex℠

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

Chase Freedom Unlimited®

1.5% on all other purchases.

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

» READ OUR REVIEW of the Chase Freedom Unlimited®

Ink Business Preferred® Credit Card

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

1 point per $1 spent on all other purchases.

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

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

Ink Business Cash® Credit Card

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

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

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

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

Ink Business Unlimited® Credit Card

1.5% cash back on all spending.

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

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

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

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

» MORE: How to use credit card bonus malls

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

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

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

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

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

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

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

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

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

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

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

Hotels: Hyatt, InterContinental Hotels Group, Marriott

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

Cards that earn points include the

, as well as business credit cards like the

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

points and miles valuation page

digs deeper on transfer value.

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

, or $125 with the

, or $100 with other Chase cards.

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

, or $1,250 with the

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

Hyatt, InterContinental Hotels Group, Marriott

on Chase's website

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

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

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

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

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

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

Find the right credit card for you.

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

New to Chase Ultimate Rewards? Here are 3 easy ways to redeem 75,000 points

T here's never been a better time to consider applying for one of the Chase Sapphire cards , with both cards currently offering elevated welcome bonuses for a limited time only. These are the highest bonuses we have seen on these two popular cards in over a year.

The Chase Sapphire Preferred® Card currently offers 75,000 bonus Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening, as well as:

• 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 has many travel perks , including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance .

Meanwhile, the Chase Sapphire Reserve® currently offers 75,000 bonus Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening and also earns:

• 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 . Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and other protections .

Chase points are really valuable because of the number of ways you can use them. We generally recommend maximizing these points by transferring them to airline and hotel partner programs but recognize this could be complex to navigate if you are a beginner.

If you are new to Chase cards and haven't earned Ultimate Rewards, you may be daunted by the plethora of redemption options — but don't fret. We are looking at easy ways a Chase Ultimate Rewards beginner can get real value from 75,000 points with minimal effort.

Related: The complete guide to Chase Ultimate Rewards

Book travel via Chase Travel

You can use your Ultimate Rewards points to easily reduce the cost of virtually any plane ticket, hotel stay, rental car or experience when you book worldwide travel through the Chase Travel portal . You don't need to worry about airline partners, alliances or award availability using your Chase points in this way.

As a Chase Sapphire Preferred cardholder, when you redeem your points for travel, 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. This means the current 75,000-point welcome bonus would be worth $937.50 if you have the Preferred card or $1,125 if you have the Reserve card.

If you wanted to book a Main Cabin flight from New York's LaGuardia Airport (LGA) to Miami International Airport (MIA) for $129 through Chase Travel, you could choose to reduce the price to $0 by redeeming Ultimate Rewards points.

If you have the Chase Sapphire Preferred, your points would be worth 1.25 cents each, so you could use 10,320 Ultimate Rewards points to reduce the price to zero (or a mix of cash and points, if you prefer).

If you have the Chase Sapphire Reserve, your points would be worth 1.5 cents each, so you could use just 8,600 Ultimate Rewards points to reduce the price to zero. Another way of thinking about this is that the 75,000-point welcome bonus on the Sapphire Reserve would be enough to fly a family of four round trip to Florida on American Airlines for no cash if redeeming Ultimate Rewards through Chase Travel.

Get additional cash back for gas and pet purchases and charitable donations

Chase's Pay Yourself Back option allows cardholders to use points at a redemption value similar to booking travel. This won't typically give you the maximum value for your Ultimate Rewards points you can get when strategically using transfer partners; however, it could be a good choice if you're looking for a simple return or are sitting on a pile of points without immediate use.

You can redeem your Ultimate Rewards points at a rate of 1.25 cents each on the Chase Sapphire Preferred or 1.5 cents on the Chase Sapphire Reserve as statement credits for donations you make to the following charities until June 30:

• American Red Cross
• Equal Justice Initiative
• Feeding America
• Habitat for Humanity
• International Medical Corps
• International Rescue Committee
• Leadership Conference Education Fund
• Make-A-Wish America
• NAACP Legal Defense and Education Fund
• National Urban League
• Out & Equal Workplace Advocates
• Thurgood Marshall College Fund
• United Negro College Fund
• World Central Kitchen

If you have the Reserve card, you can use the Pay Yourself Back feature to redeem Ultimate Rewards points for 1.25 cents each for purchases at gas stations, pet supply stores and services, wholesale clubs and cardholder annual fees.

If you wish, you could reduce the annual fee of the Reserve card to zero in the first year by redeeming 44,000 Ultimate Rewards points while still enjoying all the perks of the Reserve card.

Requesting a credit through Chase's Pay Yourself Back program is relatively straightforward. Log in to your eligible Chase account via the mobile app or desktop and select the "Pay Yourself Back" option in the redemption menu.

Next, you'll see a list of eligible purchases to redeem points. Points can be redeemed for purchases as far back as 90 days. You can offset the full purchase amount, assuming you have enough points to cover it, or you can redeem a smaller amount if you prefer.

From there, you can confirm the redemption value and amount of points required and then choose to complete the transaction. Your statement credit should be posted within three business days.

Save money on all purchases

Another no-fuss way to use your Ultimate Rewards is to earn statement credits on every purchase. You can redeem 1 Ultimate Rewards point to save 1 cent on any purchase you make on either card. This means 75,000 points could save you $750 on any purchase you like, even if you don't travel.

If you want to save money on the purchases you are making every day, this could be an easy way to do it. When you receive your monthly credit card statement, you can apply as many Chase points as you wish to reduce the balance owed.

Bottom line

While you'll get the most value from your Ultimate Rewards by transferring them to airline and hotel partners to redeem for premium cabin flights and luxury hotel stays, you may want a simpler way to save money on your everyday purchases.

If you are new to Ultimate Rewards, these are simple daily ways to save. Don't miss out on the elevated 75,000 Ultimate Rewards welcome bonuses available on the Chase Sapphire Preferred Card and the Chase Sapphire Reserve .

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.

New to Chase Ultimate Rewards? Here are 3 easy ways to redeem 75,000 points

There's never been a better time to consider applying for one of the Chase Sapphire cards , with both cards currently offering elevated welcome bonuses for a limited time only. These are the highest bonuses we have seen on these two popular cards in over a year.

The Chase Sapphire Preferred® Card currently offers 75,000 bonus Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening, as well as:

• 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 has many travel perks , including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance .

Meanwhile, the Chase Sapphire Reserve® currently offers 75,000 bonus Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening and also earns:

• 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 . Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and other protections .

Chase points are really valuable because of the number of ways you can use them. We generally recommend maximizing these points by transferring them to airline and hotel partner programs but recognize this could be complex to navigate if you are a beginner.

If you are new to Chase cards and haven't earned Ultimate Rewards, you may be daunted by the plethora of redemption options — but don't fret. We are looking at easy ways a Chase Ultimate Rewards beginner can get real value from 75,000 points with minimal effort.

Related: The complete guide to Chase Ultimate Rewards

Book travel via Chase Travel

You can use your Ultimate Rewards points to easily reduce the cost of virtually any plane ticket, hotel stay, rental car or experience when you book worldwide travel through the Chase Travel portal . You don't need to worry about airline partners, alliances or award availability using your Chase points in this way.

As a Chase Sapphire Preferred cardholder, when you redeem your points for travel, 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. This means the current 75,000-point welcome bonus would be worth $937.50 if you have the Preferred card or $1,125 if you have the Reserve card.

If you wanted to book a Main Cabin flight from New York's LaGuardia Airport (LGA) to Miami International Airport (MIA) for $129 through Chase Travel, you could choose to reduce the price to $0 by redeeming Ultimate Rewards points.

If you have the Chase Sapphire Preferred, your points would be worth 1.25 cents each, so you could use 10,320 Ultimate Rewards points to reduce the price to zero (or a mix of cash and points, if you prefer).

If you have the Chase Sapphire Reserve, your points would be worth 1.5 cents each, so you could use just 8,600 Ultimate Rewards points to reduce the price to zero. Another way of thinking about this is that the 75,000-point welcome bonus on the Sapphire Reserve would be enough to fly a family of four round trip to Florida on American Airlines for no cash if redeeming Ultimate Rewards through Chase Travel.

Get additional cash back for gas and pet purchases and charitable donations

Chase's Pay Yourself Back option allows cardholders to use points at a redemption value similar to booking travel. This won't typically give you the maximum value for your Ultimate Rewards points you can get when strategically using transfer partners; however, it could be a good choice if you're looking for a simple return or are sitting on a pile of points without immediate use.

You can redeem your Ultimate Rewards points at a rate of 1.25 cents each on the Chase Sapphire Preferred or 1.5 cents on the Chase Sapphire Reserve as statement credits for donations you make to the following charities until June 30:

• American Red Cross
• Equal Justice Initiative
• Feeding America
• Habitat for Humanity
• International Medical Corps
• International Rescue Committee
• Leadership Conference Education Fund
• Make-A-Wish America
• NAACP Legal Defense and Education Fund
• National Urban League
• Out & Equal Workplace Advocates
• Thurgood Marshall College Fund
• United Negro College Fund
• World Central Kitchen

If you have the Reserve card, you can use the Pay Yourself Back feature to redeem Ultimate Rewards points for 1.25 cents each for purchases at gas stations, pet supply stores and services, wholesale clubs and cardholder annual fees.

If you wish, you could reduce the annual fee of the Reserve card to zero in the first year by redeeming 44,000 Ultimate Rewards points while still enjoying all the perks of the Reserve card.

Requesting a credit through Chase's Pay Yourself Back program is relatively straightforward. Log in to your eligible Chase account via the mobile app or desktop and select the "Pay Yourself Back" option in the redemption menu.

Next, you'll see a list of eligible purchases to redeem points. Points can be redeemed for purchases as far back as 90 days. You can offset the full purchase amount, assuming you have enough points to cover it, or you can redeem a smaller amount if you prefer.

From there, you can confirm the redemption value and amount of points required and then choose to complete the transaction. Your statement credit should be posted within three business days.

Save money on all purchases

Another no-fuss way to use your Ultimate Rewards is to earn statement credits on every purchase. You can redeem 1 Ultimate Rewards point to save 1 cent on any purchase you make on either card. This means 75,000 points could save you $750 on any purchase you like, even if you don't travel.

If you want to save money on the purchases you are making every day, this could be an easy way to do it. When you receive your monthly credit card statement, you can apply as many Chase points as you wish to reduce the balance owed.

Bottom line

While you'll get the most value from your Ultimate Rewards by transferring them to airline and hotel partners to redeem for premium cabin flights and luxury hotel stays, you may want a simpler way to save money on your everyday purchases.

If you are new to Ultimate Rewards, these are simple daily ways to save. Don't miss out on the elevated 75,000 Ultimate Rewards welcome bonuses available on the Chase Sapphire Preferred Card and the Chase Sapphire Reserve .