Credit Cards Reviews

Chase Ultimate Rewards: How to Earn and Use Them

At NerdWallet, we aim to help you make financial choices with self-confidence. To do this, numerous or all of the items included here are from our partners. However, this does not influence our assessments. Our point of views are our very own.

Chase Ultimate Rewards ® is the name of the points program for Chase’s benefits charge card.(

The issuer’s co-branded cards with airline companies, hotels or retailers have their own rewards programs. ) Amongst factors systems, Chase Ultimate Incentives ® is very concerned because factor values can be fairly high if made use of strategically to pay for traveling.

Below’s what to find out about earning as well as retrieving Chase Ultimate Benefits ®

. “MORE : Chase credit cards mobile app evaluation

Chase Ultimate Incentives ®: The essentials

You’ll gain Chase Ultimate Benefits ® factors only with Chase-branded benefits charge card. That omits Chase non-rewards cards and also Chase cards that have a “co-brand companion,” such as United Airlines, Amazon or Marriott.

Chase Ultimate Rewards ® points can be retrieved for:

  • Cash money back.
  • Travel.
  • Present cards.
  • acquisitions.
  • Apple purchases.

You may also have the ability to redeem for “experiences”– access to unique occasions– if you have an eligible Chase card.

Each Chase Ultimate Rewards ® factor is usually worth 1 to 1.5 cents, depending on which cards you have and also what you purchase with the factors. Points may be worth much more if you move them to one of Chase’s travel companion programs. (A lot more on that particular below.)

Factor evaluation is reduced, simply 0.8 cents an item, when made use of for purchases.

Present cards that make Chase Ultimate Benefits ® Note: Chase’s cash-back bank card technically earn that money in the kind of Chase Ultimate Benefits ®. One factor equates to one penny in those cases.

Discover more Chase Sapphire Preferred ® Card 2 Chase Ultimate Rewards ® factors on traveling as well as eating in restaurants 1 factor on every$1 invested in every little thing else Sign-up bonus offer: Make 60,000 reward points after you invest$4,000

on acquisitions in the

initial 3 months from account

  • opening. That’s$750 towards traveling when you retrieve via
  • Chase Ultimate Benefits ® Discover more Chase Sapphire Get ® 3 Chase Ultimate Benefits ® factors on traveling and also eating in restaurants 1 point on every$ 1 invested in whatever else Sign-up bonus offer: Gain 50K perk points after you invest$ 4,000 on purchases in the first 3 months from account opening. That ‘s $750 toward traveling when you retrieve through Chase Ultimate Incentives ®< div data-nw-component-type-name="Celebrity Ranking
    (Gigya )”data-nw-component-type-slug=”nw_star_rating_gigya “data-nw-product-id=”

  • 3200″data-nw-product-type =”credit-card”

data-gigya-rating=”1″data-gigya-category-id= “Charge card Reviews” data-gigya-stream-id =”Chase-Freedom-100-Cash-Back”data-gigya-click-url=”/

card-details/card-name/Chase-Freedom -100-Cash-Back #cardholder -testimonials “>

Learn More
  • Chase Flexibility ® 5%money back on rotating reward categories, approximately$ 1,500 spent per quarter( cash back can be found in the kind of Chase Ultimate Incentives ®)1% back on reward classification investing over $1,500 as well as any type of various other costs Sign-up bonus offer:
  • Make a$150 Reward after you spend $500

on acquisitions in your very first 3 months from account opening Find out more Chase Flexibility Unlimited ® 1.5%

money back on all spending. Sign-up bonus: Make a $150 Incentive after you spend$ 500 on acquisitions in your very first 3 months from account opening. Ink Service Cash ℠ Charge Card Find out more 5%money back on office supply store acquisitions and also net, cable television and phone company, up to$25,000 invested per year incorporated 2%back at gas stations and dining establishments, up to$25,000 spent

annually incorporated 1% back

on everything else Sign-up perk: Earn$500 reward cash money back

  • after you invest$3,000 on

purchases in the first 3 months from account opening.

Discover more Ink Organisation Preferred ℠ Credit Card 3 Chase Ultimate Benefits ® factors per $1 on the very first$150,000 annually in mixed costs on travel and also select company groups 1 factor for each$ 1 invested in everything else Sign-up bonus offer: Make 80,000 bonus factors after you invest $5,000 on purchases in the initial 3 months from account opening. That’s $1,000 toward travel when you redeem with Chase Ultimate Incentives® Learn More Ink Service Unlimited ℠ Charge Card 1.5 % cash back on all costs Sign-up bonus: Gain$500 bonus offer cash back after you spend$3,000 on purchases in the very first 3 months from account opening. Other means to gain Chase Ultimate Rewards ® Online buying via the Chase

Ultimate Incentives ® portal with any one of these cards will certainly make extra points or cash money back. You can gain anywhere from 1 to 15 points per buck spent, relying on the store.

  • “MORE:Just how to make use of bank card perk shopping centers How to retrieve Chase Ultimate Incentives ® To use your incentives, log right into the Chase Ultimate Rewards ® portal as well as comply with the suitable motivates. Cash money equivalents For several redemptions, Chase Ultimate Incentives ® points
    are worth regarding 1 cent each. Cash back: This can take the type of a declaration credit or direct deposit for a cent per factor. There is no minimum redemption degree. You could redeem 100 factors for $1. Gift cards: The majority of price the equivalent of a cent per point, yet some are marked down. As an example, a$25 present card to a

  • specific merchant may cost 2,250 pointsrather than the complete 2,500 points, a worth of 1.1 cents per point. Amazon payment: You can connect your eligible Chase card to your account as well as utilize your card’s incentives to pay via the Store With Details program, at a rate of regarding 0.8 cents per factor. That’s the lowest redemption worth as well as not suggested if you’re trying to optimize the worth of your factors. You’re better off taking cash back at a full cent per factor as well as using that cash to pay for purchases.
  • Apple purchases: Redeem factors for Apple goods via the Chase Ultimate Incentives ® portal. Redemptions are for a dime per point. Yet Chase called that rate “a special restricted time deal” when it was introduced as a new redemption choice in November 2018. Chase did not state what the redemption price would be after the deal ended.

Traveling redemptions

The Chase Ultimate Benefits ® site has a travel-booking device with affordable costs. Traveling reservation is powered by the on the internet travel bureau Expedia. (Existing as of November 2018.)

Usually, points are worth a dime each when reserving travel with Chase. If you book a $150 hotel area, it will set you back 15,000 points.

However, if you have one of 3 special Chase cards — two consumer cards as well as one calling card — your factors will carry much more worth, and you’ll have the ability to do the following:

  • Book travel with Chase at a discount.
  • Transfer points to Chase’s airline company and also hotel companions.

Schedule traveling at a discount rate

If you have the Chase Sapphire Preferred ® Card or the Ink Business Preferred ℠ Bank Card, you can retrieve points for a greater 1.25 cents when you publication travel through the Chase Ultimate Benefits ® site, instead of the usual 1 cent per factor. That bumps to 1.5 cents per point with Chase’s deluxe traveling card, the Chase Sapphire Get ®

. Those sections of a cent can make a huge distinction. For instance, if you want to spend for a $1,000 trip with the Chase travel site, it would certainly cost 100,000 points generally. But the exact same trip would certainly cost simply 66,666 points with the Chase Sapphire Reserve ®. Also if you made use of those unspent factors for a declaration debt, cost savings would certainly complete $333.

Card-to-card factors transfers:Chase Ultimate Rewards ® points from various other Chase rewards cards can be transferred to those three special cards to obtain the higher redemption rates. For example, if you have the Chase Flexibility ®, you can’t retrieve for traveling at the greater incentives rate — simply the typical 1 cent per factor. Yet if you also have the Chase Sapphire Preferred ® Card or Chase Sapphire Reserve ®, you can transfer your Chase Freedom ® points to either of those cards as well as redeem for the greater worth.

Transfer points to airline and also resort companions

To possibly wring the most from your Chase Ultimate Rewards ® points, you might move them to a Chase traveling companion, of which there are a number of. (For instance, you could convert Chase Ultimate Incentives ® points into regular flyer miles with a partner airline company.)

Here are the programs that accept Chase Ultimate Benefits ® points. All go to a rate of one-for-one — one Chase Ultimate Benefits ® factor is transformed to one regular leaflet mile, for example. Transfers are offered just with the exact same 3 special cards: Chase Sapphire Preferred ® Card, Chase Sapphire Get ® or Ink Business Preferred ℠ Credit Card:


    • Aer Lingus AerClub
    • Air France/KLM Traveling Blue
    • British Airways Executive Club (Avios)
    • Emirates Skywards
    • Iberia Airlines Iberia Plus
    • JetBlue TrueBlue
    • Singapore Airlines KrisFlyer
    • Southwest Airlines Rapid Incentives
    • United Airlines MileagePlus
    • Virgin Atlantic Flying Club


  • IHG Benefits Club
  • Marriott Benefits
  • World of Hyatt

Fine print

Chase Ultimate Rewards ® points do not end as long as your card is open. If you cancel your account, you’ll shed unredeemed miles.

Leave a Reply

Your email address will not be published. Required fields are marked *