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Chase’s Ultimate Rewards points can be earned via credit card spend and new account bonuses. Those points can then be transferred to airline partners, used to pay for travel or merchandise, or converted to cash back.  Chase Ultimate Rewards competes directly with two other bank issued transferable points programs: Citi ThankYou Rewards, Capital One “Miles” and Amex Membership Rewards.

Check out this article for new 2021 Chase Sapphire Enhancements.

Below, you’ll find everything you need to know about Ultimate Rewards.


Earn Points


Credit Cards

The easiest and quickest way to earn Ultimate Rewards points is through Chase credit card signup bonuses, category bonuses, and retention offers (though Chase is not known for generous or frequent retention offers).  Below are the current Chase cards that earn Ultimate Rewards.  Of particular note are cards that earn 3X to 5X rewards within certain categories of spend: Chase Ink Cash (5x at office supply stores and on internet, cable, and phone services (cellular/landline) on up to $25K in purchases each year), Chase Freedom (rotating 5x categories each quarter), Chase Sapphire Reserve (3x travel and dining), Chase Ink Business Preferred (3x travel, shipping, internet, cable, phone, and advertising with social media sites on up to $150K per year).

Personal Cards:

60,000 100,000 Chase Ultimate Rewards Points after you spend $4,000 in the first 3 months. Our #1 personal card that we recommend most often. Single best "starter card" for beginners and MVP card for free travelers.
60,000 Chase Ultimate Rewards Points after you spend $4,000 in the first 3 months. Great choice for a frequent traveler, but note the huge annual fee. Sapphire Preferred is best option if you're starting out or not going to travel frequently in the coming year.
$200 after you spend $500 in the first 3 months. A great cash back or points card with no annual fee and 0% APR intro offer for purchases. Compliments other Chase cards with 1.5% cash back or 1.5x points on all purchases. Current offer earns 5x (or 5%) grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
$200 after you spend $500 in the first 3 months. A very strong, new card from Chase that is super flexible for cash back or free travel. Lots of good spending categories and the ability to move points to a Sapphire card make this a great card to have. Current offer earns 5x (or 5%) grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.

Business Cards:

100,000 Chase Ultimate Rewards Points after you spend $15,000 in the first 3 months. A highly recommended business card card for signup bonus and 3X categories. All Ink cards can earn Ultimate Rewards or cash back.
75,000 Chase Ultimate Rewards Points after you spend $7,500 in the first 3 months. New incredible offer! A no-brainer, great business card with a great bonus, no annual fee, and 0% offer. Your choice to receive 1.5% cash back or 1.5x points.
75,000 Chase Ultimate Rewards Points after you spend $7,500 in the first 3 months. New incredible offer! Awesome business card with no annual fee and 0% APR. 5x earning categories and your choice to receive cash back or points.

Redeem Points

Starting your journey into free travel is an awesome experience. Most beginners choose wisely and start with a Chase Sapphire Preferred card. The feeling when your first bonus hits is what really proves that this works. Earning bonuses is the easy part of getting free travel. The hard part is actually making those points work for you. It is a bit of an art, and a bit of luck to be sure you’re getting the best value you can.

How to Book Flights with Chase Ultimate Rewards

Read the full article here

How to Book Hotels with Chase Ultimate Rewards

Read the full article here


Using the Chase Travel Portal

The easiest way to redeem Chase Ultimate Rewards is using Chase’s own travel portal. To access it, login to your Chase account and find the button that shows your Ultimate Rewards Balance. Click on this and you’ll be taken to the Chase Travel Portal.

Click this button to get to the travel portal

Click this button to get to the travel portal


When you login, you’ll have a menu at the top. Select “Travel” to redeem Chase Ultimate Rewards in the travel portal

Click Travel to Redeem Chase Ultimate Rewards

Click Travel to Redeem Chase Ultimate Rewards

From there you can book flights, cars, hotels, even activities or cruises. This search engine will work similar to an online booking agency – such as Orbitz or Expedia. It allows you to redeem Chase Ultimate Rewards at a fixed cost.

Redeem UR points for a fixed value

Redeem UR points for a fixed value

The cost you will pay depends on what card you have. The standard rate is 1 cent per point, so 100,000 points are worth $1,000. Certain Chase credit cards have enhanced point values. Let’s look at these quickly:

Book travel through the Chase Ultimate Rewards portal to get these values.  For example, a $500 flight would usually cost 50,000 points, but with the Chase Sapphire Preferred or Ink Business Preferred it would cost only 40,000 points. With the Chase Sapphire Reserve, it would cost 33,333 points.

You can book airfare, hotels, cruises, and car rentals in this way. Airfare purchased this way still earns airline miles and elite qualifying miles.  Hotels booked this way do not earn hotel rewards.  Worse, hotels booked this way often won’t offer you elite benefits even if you have status. Unfortunately, Chase recently switched to an Expedia-backed portal and removed some ultra low cost carriers. For example, you can no longer book Spirit Airlines or Southwest through Chase Ultimate Rewards.

I searched Denver to Paris. I found a flight for $546. That should be 54,600 points. But I get a 25% bonus because this is my Sapphire Preferred portal, and that flight is only $436 worth of points, or 43,679 points.


Fortunately, when you pay with points for travel, Chase’s automatic travel protections do apply.  So, you can be covered for things like trip delays, trip cancellation & interruption, lost luggage, etc.  The coverage you receive will be based on which card’s rewards were used to book the trip.

For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5c per point) and better travel protections.

If you would like to use points earned on other cards with a card like the CSP or CSR, combine your Ultimate Rewards points with other cards in your name or with one other member of your household or business partner as seen below in the “manage points” section.

Transfer points

The best use of Ultimate Rewards points is to transfer points to airline and hotel partners in order to book high-value awards.  Your best bet is usually to wait until you find a great flight or night award before transferring points.

Unlike Citi and Amex, Chase does not typically offer transfer bonuses. For instance, Chase Ultimate Rewards always transfer 1:1 to British Airways Avios — but during transfer bonuses, you may get a ratio like 1:1.4 from Amex Membership Rewards to Avios. It’s worth taking a look at current bonuses before transferring.

Remember that points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.

Transfer Partners


Rewards Program Best Use
Air France KLM Flying Blue Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards.
Avios While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Great value can be had in redeeming BA points for short-distance flights. Iberia offers very low award prices on its own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower than when booking through British Airways. Aer Lingus shares the “Avios” currency with British Airways and Iberia. In most cases, it is best to move points to one of those programs in order to book awards for less.
Emirates Skywards Emirates has different award charts for each airline partner. Sometimes they allow one-way awards, sometimes they do not. In general, award prices are fairly high, but there are a few sweet spots such as New York to Milan for a 90K round trip in business class.
Hyatt Use for Hyatt free nights or points + cash nights. Hyatt points are often worth at least 1.7 cents each towards free nights, but they’re sometimes worth far more. One hidden bonus: award nights are not subject to resort fees.
JetBlue JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket  The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one or both cards.
Marriott Bonvoy 5th Night Free awards
Singapore Airlines KrisFlyer Use to book Singapore Airlines First Class awards (generally reserved for their own members) or for Star Alliance awards. Low change fees and no close-in booking fees make this a very good program for booking United Airlines flights.
Southwest Rapid Rewards Award flights are fully refundable. Point values vary due to certain taxes not being charged on awards but tend to average around 1.5 cents per point.
United MileagePlus Even though Singapore Airlines miles have a number of advantages over United miles for booking Star Alliance flights, United has advantages too. For one, it is possible to book most Star Alliance awards online at Additionally, United awards sometimes cost fewer miles with United than with Singapore (especially premium awards on United’s own flights). And, most importantly, United never charges fuel surcharges for awards. In some cases, United is far cheaper than Singapore Airlines for this reason alone.
Virgin Atlantic Flying Club Virgin Atlantic miles can be usefully thought of as a way to get a discount off Virgin Atlantic flights (high fuel surcharges make the flights far from free), but there are some better uses. Use miles to upgrade paid flights or to fly partner airlines. A fantastic use is to fly ANA in business or first class thanks to Virgin’s generous ANA partner award chart. Or, if you can find saver level Delta awards for nonstop international travel, you can often book through Virgin Atlantic far cheaper than with Delta directly.

All you need to do is have a loyalty account with the respective program set up first. Chase will ask you for your account number and make the transfer. Many transfers are immediate, although some will take a few days.


Before transferring you should always be certain that award availability exists. You cannot transfer back to Ultimate Rewards after a transfer is initiated.


Go here for a list of all rewards programs, transfer partners, and award charts.

Cash Back and Gift Cards

Chase Ultimate Rewards cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cashback can be taken as a statement credit or via check or ACH transfer. You can also elect to get gift cards.

Pay Yourself Back

Until the end of September 2021, you can redeem Ultimate Rewards for purchases made at grocery stores, restaurants, and home improvement stores. The redemption rate is the same as using the Travel Portal. You get a 25% boost in the Chase Sapphire Preferred portal and a 50% boost in the Chase Sapphire Reserve portal. Here is a quick walkthrough on how to use this “Pay Yourself Back” feature.

Other ways to redeem points

Through the Ultimate Rewards portal, you can also redeem points for gift cards or experiences.  At most, with this approach, you’ll get 1 cent per point value.  One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.

You can also use points to pay some merchants directly (, for example, or via Chase Pay).  Be careful with this.  These options offer poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points – causing you a headache in getting your points reinstated).

Manage Points

Combine Points Across Cards

If you are the primary account holder with multiple cards, you can combine Ultimate Rewards back and forth between your accounts at your leisure.  Your points can then be redeemed according to the card to which you move them.  For example, if you have the Freedom Unlimited and the Sapphire Reserve card, you can earn 1.5 points per dollar on purchases with the Freedom Unlimited and then move those points to your Sapphire Reserve account to redeem them for 1.5 c each towards travel.

If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account. A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.

Step-by-Step Instructions:

First, you’ll want to log into your portal. Here you’ll see all your Ultimate Rewards cards laid out. As you can see in the example below, not all of my points are together on my Chase Sapphire Reserve. I want to combine Chase Ultimate Rewards onto my Reserve to get the best value.

Combine Ultimate Rewards

Select the card you want to move points from. In this example, I’ll use my Chase Freedom.

At the top menu, you’ll see in the small text the option to combine points. Click this.

This will take you to the page to combine your points. Here you can combine Chase Ultimate Rewards from any card, to any card. Select the cards you want to combine from and to, and click continue.

You can transfer partial or total amounts. Select the amount you want to combine and click review, then confirm and submit.

That’s all there is to combine Chase Ultimate Rewards between your own accounts


Share Points Across Cardholders

Chase allows customers to transfer Ultimate Rewards points to any other account in that customer’s name or to one additional household member or joint business owner (for free).

When you do this, you’ll just need to enter your spouse or cardholder’s name and account number. The account number is just the credit card number of the account you are transferring points to.

After that, you will just need to confirm the amount you wish to transfer. Then you will be able to combine Chase Ultimate Rewards between household accounts.

Why this is valuable:

  • You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
  • Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).


How to Keep Points Alive

Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling.


More information

Chase’s official Ultimate Rewards page can be found here.

When you sign up for the Travel Freely, you’ll gain access to our Become a Free Traveler Guide to help you get started. If you’re already an experienced points and miles enthusiast, Travel Freely is made to replace your spreadsheet with the ultimate card management tool. Get email reminders for product changes, annual fee deadlines, minimum spend deadlines, and credit management.

60,000 100,000 Chase Ultimate Rewards Points after you spend $4,000 in the first 3 months. Our #1 personal card that we recommend most often. Single best "starter card" for beginners and MVP card for free travelers.

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