In the world of credit card rewards, Chase Ultimate Rewards® is one of the most versatile and valuable programs.
With a range of credit cards offering these points, understanding how to earn and use Chase Ultimate Rewards® can greatly enhance your travel and spending experiences.
The program provides access to many top-notch hotel and airline transfer partners with the user-friendly Chase travel portal.
So, if you’re committed to optimizing your travel while spending less, this guide provides comprehensive insights for maximizing the value of your Chase Ultimate Rewards® points.
What are Chase Ultimate Rewards® ?
It is a loyalty program offered by JPMorgan Chase, one of the leading issuers of credit cards in the United States. Chase Ultimate Rewards® provides cardholders extensive benefits, including earning points on everyday purchases and redeeming them for various rewards, including travel, cash back, gift cards, and more.
Ultimate Rewards points serve as the rewards currency you accumulate through Chase cards. The quantity of points you collect depends on your card type and associated reward structure.
Various Chase cards offer rewards for specific categories such as travel, dining, and groceries, while others feature additional rewards through rotating bonus categories that change regularly.
How does Chase Ultimate Rewards® work?
This program operates on a simple and rewarding premise: the more you spend using eligible Chase credit cards, the more points you earn.
These points are redeemable for a variety of rewards, including travel bookings through the Chase travel portal, transfers to airline and hotel partners, cash back, and gift cards.
One of the standout features of Chase Ultimate Rewards® is its flexibility, so you can make the most of Chase Ultimate Rewards® by choosing the right Chase credit card that aligns with your spending habits and lifestyle.
Understanding Chase Ultimate Rewards® can benefit both frequent travelers and those looking to maximize everyday spending.
How much are Chase Ultimate Rewards® points worth?
The value of Chase Ultimate Rewards® points can vary depending on how you choose to redeem them.
Generally, the points are worth one cent each when redeemed for statement credit or gift cards. However, the true value can often be unlocked when you transfer your points to Chase’s airline and hotel partners.
Additionally, the card_name provides a 25% bonus for travel redemptions through the Chase Ultimate Rewards® portal, while the Chase Sapphire Reserve® offers a 50% bonus.
This flexibility and potential for a boost in value makes Chase Ultimate Rewards® highly coveted among frequent travelers and rewards enthusiasts.
Which credit cards earn Chase Ultimate Rewards® points?
If you’re looking to advance your Chase Ultimate Rewards® points, the right credit card can make all the difference. Chase offers numerous credit cards, each tailored to different needs and preferences. Some of the best credit cards for earning these valuable points include:
The Best Credit Cards for Chase Ultimate Rewards®
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card_name- Must-have for Travelers
The card_name credit card is a traveler’s dream with its fantastic benefits such as an intro offer of bonus_miles_full
Additionally, it offers up to $50 in statement credits each account anniversary year for hotel stays booked via Chase Ultimate Rewards®.
Sign-Up Bonus Rewards Rate Annual Fee bonus_miles_full
– 5x total points on travel purchased through Chase Ultimate Rewards®
– 2x points on other travel purchases
– 3x points on dining, including eligible delivery services & takeout
– 3x on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
– 3x points on select streaming services
annual_fees
This card also provides robust travel insurance perks, ensuring peace of mind during your adventures. You can earn 5x points on Lyft rides and receive a DashPass membership.
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Chase Sapphire Reserve®- Best for Luxury Travel Perks
The Chase Sapphire Reserve® Card offers an array of premium travel benefits including a generous welcome bonus of bonus_miles_full which equals $900 when redeemed through Chase Ultimate Rewards, and an excellent reward rate to offset its annual fee.
Sign-Up Bonus Rewards Rate Annual Fee bonus_miles_full
– 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
– 5x total points on flights purchased through Chase Ultimate Rewards®
– 3x points on other travel and dining.
– 1 point per $1 spent on all other purchases
annual_fees
It comes with a Priority Pass Select access to over 1,300 VIP lounges, a $300 Annual Travel Credit, 10x total points on Lyft rides, and complimentary DoorDash’s DashPass. Plus with comprehensive travel insurance, the Chase Sapphire Reserve® truly elevates your travel experience.
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Chase Freedom Flex℠- Best for Rotating Bonus Categories
The Chase Freedom Flex℠ card offers an excellent combination of features with a cash bonus and amazing cashback rewards.
Plus, the card provides a rotating 5% cash back category, with PayPal, Wholesale Clubs, and Select Charities being featured from October to December.
Sign-Up Bonus Rewards Rate Annual Fee Earn a $200 bonus once you spend $500 in the first three months from opening an account
– 5% cash back on travel purchased through Chase Ultimate Rewards®
– 3% on dining at restaurants, including takeout and eligible delivery services
– 5% cashback on bonus categories like gas stations & grocery stores each quarter
– 3% back on drugstore purchases
$0
With no annual fee and a 0% intro APR for 15 months on purchases & balance transfers, you can enjoy a 5% cash back on Lyft rides and a 3-month membership to DashPass.
It also comes with Purchase Protection, Trip Cancellation Insurance, Cell Phone Protection, etc.
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card_name- Best Flat Rate Rewards
The card_name card is a versatile choice with flat 1.5% cashback on all purchases, no annual fees, and a range of benefits. Cardholders enjoy a intro_apr_rate,intro_apr_duration, then reg_apr,reg_apr_type on both purchases and balance transfers.
Sign-Up Bonus Rewards Rate Annual Fee bonus_miles_full
– 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
– 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
– 1.5% on all other purchases
annual_fees
The card offers valuable perks, including Purchase Protection, Extended Warranty Protection, Trip Cancellation/Interruption Insurance, and Auto Rental Collision Damage Waiver.
You can earn 5% cash back on Lyft rides and receive 3-month memberships for both Instacart+ and DashPass.
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Ink Business Unlimited® Credit Card - No annual fee Business card
If you are a small business owner and don’t want the burden of annual fees, then the Ink Business Unlimited® Credit Card is the right credit card for you! With a intro_apr_rate,intro_apr_duration, then reg_apr,reg_apr_type, it provides flexibility in managing your expenses.
It has no reward caps and offers 1.5% cashback on all your purchases.
Sign-Up Bonus Rewards Rate Annual Fee bonus_miles_full
– Unlimited 1.5% on all purchases made for your business
annual_fees
The Ink Business Unlimited® Credit Card from Chase comes with valuable perks such as Purchase Protection & Extended Warranty Protection to add an extra layer of security to your business purchases, Travel and Emergency Assistance Services, and 5% cash back on Lyft rides.
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card_name- Best Travel Credit Card for Business
With the powerful card_name, you can earn excellent rewards and benefits like 3x points on different business-related expenses.
It has an impressive bonus_miles_full equivalent to $1,000 cash back or $1,250 towards travel rewards when redeemed through Chase Ultimate Rewards®.
Sign-Up Bonus Rewards Rate Annual Fee bonus_miles_full
– 3x points per $1 spent on travel
– 3x points per $1 spent on select business categories like Shipping purchases, Advertising purchases, Internet, cable, and phone services
– Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
annual_fees
The card_name by Chase is ideal for business owners looking to maximize rewards and manage their finances.
The card also includes cell phone protection, Purchase Protection, Extended Warranty Protection, Trip Cancellation Insurance, and 1:1 point transfers to partners.
| Credit card | Uthrive rating | Intro offer | Rewards rate | Annual fee | Learn more |
|---|---|---|---|---|---|
Terms Apply | Rating
4.8/5 | Intro Offer bonus_miles_full | Reward Rates Up to 5x Points | Annual Fees annual_fees | |
Terms Apply | Rating
4.2/5 | Intro Offer bonus_miles_full | Reward Rates Up to 10x Points | Annual Fees annual_fees | |
Terms Apply | Rating
4.7/5 | Intro Offer Earn a good $200 Welcome Bonus after spending $500 in the first three months of getting this card. | Reward Rates Up to 5% Cashback | Annual Fees $0 | |
Terms Apply | Rating
4.8/5 | Intro Offer bonus_miles_full | Reward Rates Up to 5% Cashback | Annual Fees annual_fees | |
Terms Apply | Rating
4.8/5 | Intro Offer bonus_miles_full | Reward Rates Up to 1.5% cash back on every purchase | Annual Fees annual_fees | |
Terms Apply | Rating
4.7/5 | Intro Offer bonus_miles_full | Reward Rates Up to 3x points per $1 | Annual Fees annual_fees |
How to earn Chase Ultimate Rewards® points?
There are numerous methods to not only acquire Ultimate Rewards points but also enhance your point-earning potential through strategic expenditures. Here are some ways to earn maximum rewards.
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Chase Credit Cards
The primary and most effective way to accumulate Chase Ultimate Rewards® points is by using Chase credit cards. It’s essential to comprehend your card’s rewards structure and use it for categories that yield the highest rewards.
Chase offers a range of credit cards with unique bonus categories such as travel, dining, and groceries, allowing cardholders to collect points with every purchase.
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Through Online Shopping
Another way to increase your points balance is through Chase’s online shopping portal.
By accessing popular online retailers via the portal, you can earn additional points for your purchases, making your online shopping even more rewarding.
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By Referring a Friend
Chase occasionally rewards cardholders for referring friends or family members to apply for a Chase credit card.
This referral program provides bonus points as an incentive for spreading the word about Chase credit cards.
Credit Card Referral Bonus No. of Referrals per year Chase Sapphire Reserve® 10,000 points
5
card_name 15,000 points
5
Chase Freedom Flex℠ $50
10
card_name $50
10
Ink Business Unlimited® Credit Card 40,000 points
5
card_name 40,000 points
5
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Via Chase Dining
Chase Dining offers an additional avenue for earning points. When dining at participating restaurants and settling the bill with your Chase credit card, you can accumulate extra Chase Ultimate Rewards® points, enhancing your rewards for dining experiences.
Who are Chase Ultimate Rewards® travel partners?
This versatile rewards program boasts an extensive list of travel partners, allowing you to transfer your points for airline miles or hotel points. It gives you the flexibility to redeem your points for flights, hotel stays, and more. Let’s explore some of the prominent partners.
(I) Airline partners- Navigating the Skies (Transfer Ratio 1:1)
Aer Lingus AerClub: Connect with Ireland and beyond via Aer Lingus AerClub. Redeem your points for a transatlantic flight to explore the stunning landscapes and rich culture.
Aeroplan: The program opens doors to the Great White North and global destinations. Transfer your Chase points for award flights, making international travel more accessible.
British Airways Executive Club: Fly to destinations worldwide with British Airways and its partner airlines. Avios, the program’s currency, is amongst the Chase Ultimate Rewards transfer partners.
Emirates Skywards: Enjoy luxurious experiences with Emirates and its global network, using your Chase points for premium flights, cabin upgrades, and more.
Flying Blue AIR FRANCE KLM: Explore Europe and beyond with Air France and KLM. Flying Blue loyalty program offers diverse redemption options and excellent availability for award flights.
Iberia Plus: Discover Spain and other destinations with Iberia. This program offers many travel possibilities for Chase Ultimate Rewards members.
JetBlue TrueBlue: It allows you to redeem points for award flights, with a focus on domestic travel within the United States and the Caribbean.
Singapore Airlines KrisFlyer: Experience world-class travel with Singapore Airlines. You can transfer your Chase points to KrisFlyer to unlock premium cabin bookings & international explorations.
Southwest Airlines Rapid Rewards: With a vast domestic network, Southwest offers flexibility and convenience for travel within the United States.
United MileagePlus: This loyalty program along with its partners offers extensive global routes. MileagePlus also provides diverse redemption options and valuable travel benefits.
Virgin Atlantic Flying Club: Fly in style with Virgin Atlantic and its partner airlines using Flying Club miles. You gain access to global destinations and unique flying experiences.
(II) Hotel Partners- Your Home Away from Home (Transfer Ratio 1:1)
IHG Rewards Club: It includes brands like Holiday Inn and InterContinental, presenting numerous options for using your Chase Ultimate Rewards points for comfortable stays worldwide.
Marriott Bonvoy: You can enjoy a range of luxury and budget-friendly accommodations within Marriott’s extensive portfolio. Transfer your points to Marriott Bonvoy and embark on a memorable experience.
World of Hyatt: Get exceptional hospitality at World of Hyatt! Your Chase Ultimate Rewards points offer enriching stays at their renowned properties, guaranteeing a delightful visit.
How to use Chase Ultimate Rewards®?
Using Chase Ultimate Rewards is a flexible and rewarding experience. We’ll discuss the top channels to redeem your Chase points. Remember that the value of your points can vary depending on which Chase credit card you have.
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Chase Ultimate Rewards® Partners
One of the best ways to use your points is by transferring them to Chase’s travel partners. It has a long list of airline and hotel partners where you can transfer your points at a 1:1 ratio to book flights or hotel stays. This offers excellent value and versatility.
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Redeem for Cash Back & Gifts Cards
Regardless of which Chase card you hold, you have the option to exchange your points for statement credits at 1 cent per point.
This can be a favorable choice if you prefer cash back over travel or wish to apply your points toward a special purchase.
Gift cards are another redemption alternative, offering a value of 1 cent per point.
Chase often presents gift cards with enhanced value for specific retailers with a good deal, such as Apple, Panera Bread, or Old Navy.
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Book Travel through the Chase Portal
You can use your points to book flights, hotels, rental cars, and other travel experiences through the Chase Ultimate Rewards® travel portal.
Points are usually worth 1.25 to 1.5 cents each when used this way, depending on your credit card.
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Pay for Merchandise
If you opt to use your points for direct shopping, you can redeem them for Amazon.com, PayPal, or Apple purchases.
When redeeming on Amazon or with PayPal, each point is worth 0.8 cents, while Apple electronics purchases offer a 1-cent value per point.
How to transfer Chase Ultimate Rewards® points?
Transferring Chase Ultimate Rewards® points to travel partners is a valuable way to maximize their worth. To initiate transfers, log in to your Chase account, navigate to the Ultimate Rewards portal, and select the “Transfer to Travel Partners” option.
From there, choose the airline or hotel loyalty program you wish to transfer points to. Ensure you have an account with the respective loyalty program, and remember that you can transfer your Chase Ultimate Rewards® points in increments of 1,000.
Be mindful of transfer ratios, as they can vary by partner, and plan your transfers strategically to make the most of your points
How to maximize Chase Ultimate Rewards® points?
You can get the best value from your Chase Ultimate points by following a few strategies and leveraging the features of your Chase credit cards.
Staying informed about your Chase Ultimate Rewards® program will also help you make the most of your points and enjoy valuable rewards.
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Credit Card Combos
Having multiple Chase credit cards, which complement each other can boost your points. Such as pairing the Chase Sapphire Reserve with the Chase Freedom Flex can help you earn rewards across various bonus categories.
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Opt for Strategic Transfers
Make sure to transfer your points to Chase’s airline and hotel partners for premium cabin flights or luxury hotel stays. It provides a higher point value during redemption.
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Use Bonus Categories
To maximize your points, select the ideal Chase card for specific spending categories. For example, use the Chase Freedom Flex for 5% cash back on rotating quarterly bonus categories.
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Refer Friends
Capitalize on referral bonuses by referring friends and family to Chase credit cards. You can earn additional rewards for successful referrals.
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Travel Smartly
Try to make your travel bookings through the Chase portal, but ensure to compare prices for the best deal. Sometimes, transferring points to partners may yield more value.
Do Chase Ultimate Rewards® points expire?
No, Chase Ultimate Rewards® points do not expire as long as your credit card account is open and in good standing.
However, if you close your credit card account or it’s terminated for any reason, you may lose any unredeemed points associated with that account. Always keep at least one Chase Ultimate Rewards® credit card active to prevent points from expiring.
Why track your Chase Ultimate Rewards® points with Uthrive?
Using the very efficient Uthrive App to track your Chase Ultimate Rewards® points can provide you with a hassle-free and coherent way to manage your rewards.
It offers a user-friendly platform that allows you to seamlessly monitor your points balance, track earning and redemption activity, and stay updated on special promotions.
With Uthrive, you can optimize your Chase Ultimate Rewards® experience by ensuring you never miss out on valuable points, managing multiple credit cards, and making informed decisions to maximize your rewards for travel, cash back, etc.
Simplify your rewards management with Uthrive and elevate your Chase Ultimate Rewards® game!
FAQ
What cards earn Chase Ultimate Rewards® points?
Chase Sapphire Reserve®, card_name, Chase Freedom Flex℠, card_name, Ink Business Unlimited® Credit Card, and card_name are some of the cards that earn Chase Ultimate Rewards® points.
Where can I use my Chase Ultimate Rewards® ?
You can use your Chase Ultimate Rewards for various options, including travel bookings, statement credits, gift cards, Amazon.com purchases, and more, depending on your credit card.
Is it worth it to use Chase Ultimate Rewards® ?
Absolutely Yes! Using Chase Ultimate Rewards® can be worth it, especially if you travel frequently or want to maximize your credit card rewards. It offers various redemption options, providing flexibility and value.
How much is a Chase point worth?
The value of Chase Ultimate Rewards® points can vary depending on how you choose to redeem them. Generally, the points are worth one cent each when redeemed for statement credit or gift cards
How much are 10,000 Chase points worth?
The value of 10,000 Chase points varies but is generally worth $100 when redeemed for cashback or gift cards. However, it can be worth more when used for travel or transferred to loyalty programs.
How much are 100,000 Chase points worth?
Redeeming 100,000 Chase points for cash back yields $1,000. If used for travel, their value is $1,500 with the Chase Sapphire Reserve® and $1,250 with the card_name.
Where can I transfer my Chase points to?
You can transfer your Chase Ultimate Rewards® points to various airline and hotel partners such as Southwest Airlines, Emirates Skywards, JetBlue TrueBlue, United MileagePlus, World of Hyatt, and Marriott Bonvoy.
What are the Chase Freedom Flex℠ bonus categories for 2024?
Chase Freedom Flex℠ card bonus categories for 2024 include-
- Grocery Stores (excluding Walmart), Target, and Fitness Clubs & Gym Memberships for January- March
- Amazon & Lowe’s for April-June
- Gas stations, EV charging, and select live entertainment for July-September
- PayPal, Wholesale Clubs, and select Charities for October-December
How many Chase points do I need for a flight?
You typically need around 38,000 Chase Ultimate Rewards® points for a domestic flight, which equates to a value of $380 when used for flight redemptions. Chase points are worth 1 cent when booking flights.
How does Chase Ultimate Rewards® work?
This program operates on a simple and rewarding premise: the more you spend using eligible Chase credit cards, the more points you earn.
