chase travel extra points

• What is the Chase Travel Portal?
• Benefits of Using the Chase Travel Portal
• Chase Ultimate Rewards Credit Cards
• Points Value
• How to Use the Portal to Book Travel

Chase Travel: Explore Destinations and Savings with Chase Ultimate Rewards

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• The Chase Travel℠ is an online travel agency that lets you pay with Ultimate Rewards points.
• You can use points, cash, or a combination of both to book flights, hotels, rental cars, and more. 
• Several Chase cards offer better redemption values or bonus points when you book through the portal.

Introduction to the Chase Travel

The Chase Travel℠ is an online booking platform for flights, hotels, rental cars, cruises, activities, and vacation rentals, similar to an online travel agency (OTA). If you're a Chase Ultimate Rewards® cardholder, you can use points to book travel through the portal — or pay with your card or a combination of points and cash. 

Overview of the Chase Travel and Ultimate Rewards benefits

The Chase Travel℠ offers one of the most straightforward redemption opportunities for your Chase Ultimate Rewards . Chase boasts one of the most flexible and lucrative credit card rewards programs, and points earned on some travel cards are worth up to 50% more when redeemed through Chase Travel℠.

Here's everything you need to know about booking airfare, hotels, and more through the Chase travel portal — and how to make the most of your Chase Ultimate Rewards points.

What is the Chase Travel portal?

The Chase Travel℠ is an online platform that acts as a third-party travel broker similar to Expedia, Booking.com, Travelocity, or Priceline. Through Chase Travel℠, you can book hotels, flights, rental cars, cruises, and vacation packages. You can choose to pay with one of your linked credit cards, or use your Ultimate Rewards balance to defray the cost. 

You must be a Chase credit card customer to use Chase Travel℠ to book with cash or points — in fact, you can only access the Chase travel portal when you log into your account management page with Chase.

Benefits of using Chase Travel

One of the primary benefits of using Chase Travel℠ is you can spend the rewards points you earn directly on the travel you want without having to worry about dealing with specific hotel or airline loyalty programs. Chase Travel℠ allows you to book travel directly with Chase Ultimate Rewards points, use your credit card to pay, or combine the two.

There are a few other key benefits to understand as well:

You'll still earn airline miles and work toward elite airline status

You won't earn points or elite night credits when you book a hotel stay with Chase Travel℠ because it's considered a third-party booking. However, you can earn airline and elite-qualifying miles on flights booked through Chase, as long as your frequent flyer number is attached to the reservation. (You can usually add that number, as well as your Known Traveler 

Points are worth more on certain Chase credit cards

With a no-annual-fee card like the Chase Freedom Flex® or Chase Freedom Unlimited® , your points are worth 1 cent each toward travel booked through the portal.

But if you have a Chase travel credit card like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , or Ink Business Preferred® Credit Card , you'll get 25% to 50% more value when you redeem your points for travel, plus the ability to transfer your points to Chase airline and hotel partners .

You can combine the points earned on the Chase Freedom Flex® or Chase Freedom Unlimited® with one of these travel cards: Points redeemed through the Chase Sapphire Reserve® are worth 1.5 cents apiece through Chase Travel℠, while points redeemed through the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card are worth 1.25 cents apiece. 

Some Chase cards also offer bonus points for paid bookings you make through the portal. Chase offers lucrative bonus categories on flights, hotels, and car rentals booked through the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, up to 10x Ultimate Rewards points per dollar.

The Chase Travel is easy to use

If you don't want to deal with many hotel and airline award charts, booking through Chase Travel℠ can help keep your rewards game simple. You'll always be able to use your points for any booking you want without worrying about blackout dates or capacity controls you would normally encounter with loyalty programs.

Chase Ultimate Rewards credit cards

To be eligible to use Chase Travel℠, you'll need a Chase credit card that earns Chase Ultimate Rewards points . 

No-annual-fee Chase credit cards available to new applicants: 

• Chase Freedom Unlimited® (read our Chase Freedom Unlimited review )
• Chase Freedom Flex® (read our Chase Freedom Flex review )
• Ink Business Unlimited® Credit Card (read our Chase Ink Business Unlimited review )
• Ink Business Cash® Credit Card (read our Chase Ink Business Cash review )

Points earned on these cards are worth 1 cent each when redeemed through Chase Travel℠.

Chase travel rewards credit cards :

• Chase Sapphire Reserve®: Points worth 1.5 cents apiece through Chase Travel℠ (read our Chase Sapphire Reserve review )
• Chase Sapphire Preferred® Card: Points worth 1.25 cents apiece through Chase Travel℠ (read our Chase Sapphire Preferred review )
• Ink Business Preferred® Credit Card: Points worth 1.25 cents apiece through Chase Travel℠ (read our Chase Ink Business Preferred review )

Points earned on these cards are worth more when redeemed through Chase Travel℠. You can also transfer Ultimate Rewards from these cards to more than a dozen airline and hotel partners, potentially for significantly more value. 

Combining Chase points for increased value

You can transfer Chase Ultimate Rewards points between accounts if you hold more than one Chase card. It makes the most sense to pool your points in the account that gives you the best redemption value — for example, if you pair the Chase Freedom Unlimited® and Chase Sapphire Reserve®, moving all of your Chase Ultimate Rewards to your Chase Sapphire Reserve® account will increase the value of your points when you redeem through Chase Travel℠.

To pool your points onto one card, log into your Chase online account, navigate to the "Redeem" section for your Chase Ultimate Rewards card, then select the option to combine points in the "Earn/Use" tab:

From there, you can move your Chase points between accounts in any increment.

Points value in the Chase Travel

Certain Chase credit cards offer a bonus for redeeming points through Chase Travel℠. Here's how much your points are worth with each Chase card:

While these redemption rates are generous, you may get even more value by transferring your points to airline and hotel partners since Chase Ultimate Rewards points are worth, on average, 1.8 cents apiece based on Business Insider's points and miles valuations .

If you want to learn more about how (and when, and why) to transfer your points elsewhere, read our guide to understanding Chase Ultimate Rewards travel transfer partners . 

How to use the Chase Travel

Using Chase Travel℠ is a breeze, but it all starts with logging into your online account management page. From there, you'll click on the right side of your screen where it shows your Chase Ultimate Rewards account balance. 

Once you click on the account balance, you'll have the option to select the card you want to access. And remember, this step can be important because some cards give you more value from your points when you redeem them for travel.

How to book a flight through Chase Travel

Once logged into your Chase Ultimate Rewards account, you'll see different travel options to search for at the top of the page.

To search for a flight, make sure the prompt is on "Flights" and begin searching for the flight you want. Enter your departure airport, destination, travel dates, and the number of passengers.

Once your flight options pop up on the screen, you can filter your results by the number of stops, the airlines you want to fly, and arrival times.

Note that each of your flight options will include a payment amount in points as well as a cash price. 

You can also click on "Details and baggage fees" to find out the cost of carry-on luggage or checked baggage, as well as whether your flight charges any change fees.

When you click "Select" a flight option, you'll see a list of what is and isn't included in the fare you selected. You may also see a note that you can upgrade before you check out.

Once you settle on a flight you want, you'll be taken to the "Trip Details" page that shows the final cost of your flight in points or in cash, as well as a summary of the added costs you may be charged for baggage or change fees.

After you agree to the terms, you'll be taken to a final payment page where you can decide how you want to pay. You can cover your flight entirely in points if you want, but you can also choose to pay with your Chase credit card or a combination of points and your credit card.

During the booking process, add your frequent flyer number to your reservation so you can earn miles on your booking and have your flight count toward elite status requirements. You'll also want to add your Known Traveler Number or Redress number if you have one. However, if you forget this step during booking, you can add your frequent flyer information to your flight through the airline's website.

How to book a hotel through Chase Travel

Booking a hotel through Chase is similarly easy, and you'll find a lot of different types of lodging options available. For example, you'll find properties from major hotel brands, but you'll also find rental condo options and boutique hotels.

To search for a hotel,  enter the destination, dates, and the number of people you want to have in your room. Once you're presented with options, you can filter hotels based on the hotel name you're looking for, the area or neighborhood, price point, guest rating, property type, and more. 

Once again, you'll see a price listed in points and a cash price per night.

These prices do not include taxes and fees, however, so your price in points or cash will be higher by the time you get to the final booking page. Also be aware that the price listed is the lowest you can get for the property, but that better or upgraded rooms and suites will cost more in points.

The major downside to booking a hotel through the Chase portal is that you won't earn hotel points or elite night credits for your stay, because it's considered a third-party booking. There's also a risk that the property won't recognize your hotel elite status or give you the perks you'd normally be entitled to, like late checkout or free breakfast . This shouldn't be an issue if you're booking an independent or boutique hotel, but it's something to be aware of if you're looking for hotel points or status.

You'll have the option to select a hotel you want and a room type at the property you're considering. You can also pay with your booking with points, your Chase credit card, or combine both payment methods. 

How to book a rental car through Chase Travel

You can also book a rental car through Chase Travel℠ using the same steps. Once you log into your Chase Ultimate Rewards account, click on "Cars" and select the destination and dates.

Once you are presented with your search results, you can select the types of cars you prefer, like an economy car or an SUV. You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer (manual or automatic), as well as the total area you want to search in. 

Note that, once again, taxes and fees are not included on the initial search page. Instead, they are added to your total cost when you select a rental car. You can also pay for a rental car through Chase with points, your credit card, or a combination of the two.

How to book activities with the Chase Travel

Chase also lets you book various activities through the portal, which they refer to as "Things to Do." Chase activities can include excursions like snorkeling or scuba diving, as well as tours of museums and historic sites. But you can also book more practical options through their activities tab, including airport pickups and other types of transportation.

To search for activities, enter the destination and dates for your trip. You'll be shown a price in points and in cash that does include taxes and fees. You can also filter options based on the type of activity, your interests, and more. Once again, you have the option to pay for activities with your points, your credit card, or a combination of the two.

How to book a cruise through Chase Travel

If you're a cruise enthusiast, you can also book cruises through Chase Travel℠. When you select "Cruises" at the top of the Chase Ultimate Rewards search page, you'll be presented with a list of featured cruises and cruise specials.

You can also search for cruises by destination or cruise line name. Note, however, that only cash prices are listed for each cruise on the portal and that you'll have to call Chase to make a booking.

Either way, you can use your Chase points to pay for all or part of your cruise. Just have your credit card number handy and call their customer service line at 855-234-2542.

How to book a vacation rental through Chase Travel

Chase also offers a selection of vacation rentals including condos, luxury villas, and more. To search, click "Vacation Rentals" at the top of the main page, then enter your destination, dates, and the number of people in your party.

Once you start your search, you'll have the option to filter results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more. Like hotels through Chase, the price you are shown excludes taxes and fees, but they will be added to your total once you make a selection.

Also be aware that the price shown in your search results is for the lowest-tier option for each property, and that a larger rental or upgraded rental may cost more in points.

When you book vacation rentals through Chase, you can pay with points, your Chase card, or a combination of the two. 

Use the Chase Travel to book Luxury Hotel & Resort Collection properties

If you have the Chase Sapphire Reserve®, you can book properties within the Luxury Hotel & Resort Collection. This list of more than 1,000 properties can be reserved ahead of time, and you'll get extra benefits with each stay such as:

• Daily breakfast for two
• A special benefit worth up to $100
• Complimentary internet access
• Room upgrades when available
• Early check-in and late checkout

One detail to note with this program is the fact that you cannot pay with points. Instead, your online booking will reserve your room, and you'll be charged for the stay when you check out from the hotel. 

Should you transfer Chase points instead?

While you can book travel directly through the Chase Travel℠, many people prefer transferring points to Chase airline and hotel partners. Doing so could let you get more value for each point you redeem , but you'll have to run the numbers to find out for sure.

Here's a good example of how transferring points to a Chase airline or hotel partner can be a better deal, as well as the math you'll need to do to figure this out on your own. Take this one-way flight on Air France from Chicago to Paris, for example, and assume you have the Chase Sapphire Reserve® card. You're getting 50% more value when you redeem points through the Chase Travel℠ using points on this card. 

If you were to book this flight through Chase Travel℠, you would owe 39,607 points with the Chase Sapphire Reserve®, compared with the cash price of $594.10.

However, you could book an award ticket on the exact same flight through Flying Blue (Air France's loyalty program) directly if you transferred your Chase points there first. In this case, the identical flight would set you back 22,000 miles plus $109.44. This means you would transfer 22,000 miles from Chase to your Flying Blue account, and pay the taxes and fees in cash, or by redeeming points for a statement credit to your account.

When you compare, you'll find that booking with miles directly is a better deal. After subtracting the taxes and fees from the cost of booking through Flying Blue, you wind up with a value of around 2.2 cents per mile.

With Chase Travel℠, on the other hand, you're forking over 39,607 points for the same flight, and you're getting a value of 1.5 cents for each point if you have the Chase Sapphire Reserve®. 

Chase Travel portal frequently asked questions

Accessing Chase Travel℠ is simple. If you're a Chase credit cardholder with Chase Ultimate Rewards points, you can log in to your Chase online account. Once logged in, navigate to the 'Travel" or "Rewards" section, where you'll find the Chase travel portal. From there, you can search and book flights, hotels, and other travel services using your earned points or card benefits. It's a convenient way to plan and manage your travel adventures.

Chase Travel℠ refers to the travel booking and rewards platform offered by Chase Bank. It's part of the Chase Ultimate Rewards program, allowing cardholders to use their earned points to book flights, hotels, car rentals, and other travel-related expenses. Chase Travel℠ provides a convenient way to plan and book your trips while taking advantage of the rewards and benefits associated with Chase credit cards.

To earn 5% on Chase Travel℠, consider using a Chase credit card that offers bonus rewards on travel purchases. Cards like the Chase Sapphire Preferred or Chase Sapphire Reserve often offer 5 points per dollar spent on travel booked through the Chase travel portal. Additionally, taking advantage of limited-time promotions and special offers can also help you maximize your rewards when booking travel with Chase.

Maximizing rewards through Chase Travel

The Chase travel portal offers another way to maximize rewards earned with a Chase credit card. Before you pull the trigger, consider all your options and the value you're getting for your points.

Remember that, no matter which Chase credit card you have, you can use your rewards points in other ways. You can redeem Chase points for statement credits or cash back, or cash them in for gift cards or merchandise. And if you have a premier Chase travel credit card, you can transfer your points to Chase airline and hotel partners at a 1:1 ratio.

However, booking travel through Chase can make your life considerably easier — especially if you don't like dealing with complicated hotel and airline programs. You may not get as much value from your points as you would if you booked a premium flight with airline miles, but the Chase travel portal does offer the flexibility to book the flight you want without any blackout dates or hoops to jump through.

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19 Best Ways To Earn Lots of Chase Ultimate Rewards Points [2024]

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Table of Contents

Why ultimate rewards points, earn lots of chase ultimate rewards with chase personal cards, earn lots of chase ultimate rewards points with chase business credit cards, more ways to earn ultimate rewards on chase credit cards, everything else you need to know, final thoughts.

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Chase Ultimate Rewards points rival Amex Membership Rewards points as the “holy grail” of credit card rewards.

This is evidenced by the fact that Ultimate Rewards points offer everything you’d want from a rewards currency, including the ability to earn a lot of points without limits and the option to select from a wide variety of flexible redemption options .

Chase issues a powerful collection of credit cards that earn Ultimate Rewards points, so there’s a card (or combination of cards) for every spending profile, whether personal or business.

In fact, you may need a primer on how many ways you can earn Ultimate Rewards points. So, in this article, we’ll cover why you’d want to earn Ultimate Rewards points, which personal and business Chase credit cards earn Ultimate Rewards points, and all of the ways you can earn Ultimate Rewards points.

Let’s get started!

Credit cards offer several reward currencies, but the most valuable are those with flexible redemption options that are relatively easy to earn .

Ultimate Rewards points are valuable because they have both of those key characteristics.

Flexibility of Ultimate Rewards

Flexible redemption options for your Ultimate Rewards points result in rewards that you can actually use!

• Redeem rewards at any time with no minimum or maximum redemption amount per transaction
• Transfer rewards to the loyalty programs of the Chase travel partners
• Transfer rewards between business and personal Ultimate Rewards accounts
• Use a combination of points and cash for travel purchases
• Have the option to redeem points for cash, gift cards, and more

Ease of Earning Ultimate Rewards

Earning Ultimate Rewards points on your purchases is easy when your spending mix matches the reward-earning categories on your Chase credit card.

• Every purchase made earns Ultimate Rewards points
• Bonus category purchases allow you to earn up to 10x rewards
• Generous welcome offers jumpstart your earnings
• Earn up to 20x Ultimate Rewards or more through the Shop through Chase shopping portal

With all the ways available to earn Ultimate Rewards, you may need some assistance sorting through all of the options.

Let’s look at which Chase credit cards earn Ultimate Rewards points and the many ways to earn them.

Bottom Line: Earning a lot of valuable Ultimate Rewards points creates an asset that can be used to fund a family vacation, offset business expenses, or redeem for immediate cash in an emergency.

There are plenty of ways to earn Ultimate Rewards points with Chase personal credit cards. Whether your greatest spending is on travel, dining out, or shopping at wholesale clubs, you’re going to earn rewards on every purchase.

Let’s take a look at all the ways to earn Ultimate Rewards points with Chase personal cards.

Chase Personal Cards That Earn Ultimate Rewards Points

There are a number of personal Chase credit cards that earn Ultimate Rewards points. Each has features, benefits, and earning structures that reward specific spending patterns.

A fantastic travel card with a great 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 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, 2027.
• 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 through 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 3% foreign transaction fee
• INTRO OFFER: 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!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, 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.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees:  3% of each transaction in U.S. dollars

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee
• 3% foreign transaction fees in U.S. dollars
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, 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, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex ® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

1. Earn a Welcome Bonus Offer

The fastest way to earn plenty of Ultimate Rewards points is to sign up for a Chase credit card that earns Ultimate Rewards points, complete the initial spending requirement, and earn a welcome bonus offer .

All Chase credit cards that earn Ultimate Rewards points offer a welcome bonus offer, and some can be quite generous. Although offers can differ, the bonus is generally earned after reaching an initial spending level in the first 90 days after you’re approved for the card.

2. Purchase Travel

Fortunately, Chase defines “travel” very broadly , so nearly any travel-related purchase you make will earn extra rewards.

The merchant code assigned by the credit card network will determine eligibility, but Chase lists the following examples of purchases that qualify as travel:

• Buses, limos, taxis, ferries
• Campgrounds
• Car rental agencies
• Cruise lines
• Highway and bridge tolls
• Hotels and motels
• Parking lots/garages
• Passenger trains
• Travel agencies and discount travel sites

Let’s take a look at the earning power of making travel purchases with your personal Chase credit card:

While the Chase Sapphire Reserve card offers the highest rewards for travel purchases (and for redemption), it does come with a $550 annual fee.

The Chase Sapphire Preferred card offers up to 5 points per $1 spent on travel, has a lower $95 annual fee, and still delivers 25% more value when redeeming points for travel on the Chase travel portal.

Bottom Line: If you have a premium Chase Ultimate Rewards-earning credit card, you can transfer Ultimate Rewards points to those accounts and redeem them for greater value (up to 50% more) through the Chase travel portal. 

3. Use Chase Travel

While many use Chase Travel to redeem Ultimate Rewards points, you can also earn points by purchasing travel through the portal.

A convenient way to do this is to pay for a portion of your travel purchase with Ultimate Rewards Points and the remainder using your Chase credit card. You will earn the corresponding Ultimate Rewards points for the amount of travel charged on your card.

4. Buy Groceries

The Freedom Unlimited card earns 1.5% cash-back on every purchase, making it a good choice for everyday purchases, including groceries.

5. Dine Out

Do you dine out a lot? Several Chase credit cards earn elevated rewards on purchases made at restaurants:

6. Fill Up Your Tank

The Freedom Unlimited card earns 1.5% cash-back on every purchase, including purchases made at gas stations.

7. Pay Your Household Bills

Since all Chase Ultimate Rewards credit cards earn rewards on every purchase, you’ll earn points for paying your household expenses.

8. Earn on Quarterly Bonus Spending Categories

The Freedom Flex card has a unique earning structure with quarterly bonus categories that earn 5% cash-back!

Each quarter, there’s a different lineup of bonus category merchants. Previous bonus merchants have included department stores, restaurants, gas stations, wholesale clubs, and theaters. There is a limit of $1,500 in purchases per quarter that earn 5% — any additional spending in the bonus category will only earn 1%.

While we don’t yet know the 5% bonus categories for all of 2024 just yet, we do know the bonus categories for the first quarter of this year. You can earn 5% cash-back on up to $1,500 in purchases at grocery stores (excluding Target and Walmart); fitness clubs and gym memberships; and self-care and spa services between now and March 31, 2024 , as long as you activate the bonus category by March 14, 2024.

Hot Tip: The Chase Sapphire Preferred card and Chase Sapphire Reserve card allow you to earn 5x to 10x points on select Peloton purchases over $250 through March 31, 2025.

Chase Business Cards That Earn Ultimate Rewards

If you have a business (small or large), there’s a Chase business credit card that will match up with your business spending mix to earn the most Ultimate Rewards points possible.

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 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 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

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

The Ink Business Cash ® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee , and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
• 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• Spending caps in bonus categories
• Low points earning outside of bonus categories
• 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
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards ® .
• 0% introductory APR for 12 months on purchases
• APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited ® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

• 1.5% cash-back on all purchases
• 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Earn up to 5% cash-back for your business without complex bonus earning categories!

Chase has introduced the Ink Business Premier ® Credit Card  to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.

• Earn 2.5% total cash-back on purchases of $5,000 or more
• Earn 2% cash-back on all other business purchases
• Unlimited 5% total cash-back on travel purchased through Chase Travel
• $195 annual fee
• Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
• APR: Flex for Business Variable APR: 19.49% - 27.49%

Maximizing the Ink Business Unlimited Card

If you have a premium Chase credit card (i.e., a card that carries an annual fee) such as the Chase Sapphire Reserve card or Chase Sapphire Preferred card, you can transfer the rewards earned on your Ink Business Unlimited card over to those cards. You’ll then receive up to 50% more value when redeeming for travel through Chase Travel.

Bottom Line: With multiple Chase Ultimate Rewards-earning business credit cards, finding one that matches your business spending patterns and earns the most rewards is easy.

9. Pay for Travel Expenses

Those expenses add up quickly if your business involves a lot of travel. Earning Ultimate Rewards on those purchases delivers tremendous value back into your business — or can help fund that much-needed family vacation.

Hot Tip: The definition of “travel” for Chase purchases is the same for personal and business credit cards.

Whether you’re purchasing an airline ticket, staying at an Airbnb, or taking a taxi across town, all your travel-related purchases (up to $150,000 per year) earn 3 points per dollar spent on the Ink Business Preferred card.

Read our guide to find out how you can redeem Chase points for Airbnb rewards.

10. Earning Through Chase Travel

Redeeming your Ultimate Rewards points through Chase Travel with the Ink Business Preferred card gives you 25% extra value. Additionally, you can purchase travel via the portal and earn 3 points per dollar spent when you pay with your Ink Business Preferred card.

Chase Travel also allows you to pay partially with points and the remainder with your Chase credit card. You’ll earn Ultimate Rewards points on the portion you pay with your card.

11. Pay Other Business Expenses

Your business has many different expenses that may or may not fall into a particular bonus-earning category. Selecting the business credit card that closely matches your largest expenses will ensure you’re earning maximum rewards.

Here’s a sample of how Chase business credit cards earn on common business expenses.

Hot Tip: If your business maximized the $150,000 limit for 3x earnings on the Ink Business Preferred card , your business would realize $5,625 worth of travel when redeeming points through Chase Travel!

12. Purchase Gift Cards

Many Ultimate Rewards bonus category merchants (such as office supply stores and gas stations) sell gift cards you can purchase to use for non-bonus category spending.

For example, you may be able to purchase grocery store, gas, hotel, and department store gift cards at an office supply store or gas station and receive an elevated 3% to 5% bonus on the purchase.

13. Dine Out

All those restaurant business meetings, late-night hotel dinners, and quick bites during your road trip could also earn you Ultimate Rewards points!

Use these business Chase Ultimate Rewards-earning credit cards for multiple rewards per dollar spent on dining:

14. Fill Up Your Tank

The Ink Business Cash card is your go-to card for gas purchases. If you’re a road warrior, you’ll earn 2% cash-back on the first $25,000 spent at the pump (including combined purchases on dining).

Using the Ink Business Unlimited card would also be a good option, as it earns 1.5% on every purchase (including gas)!

No matter which Chase Ultimate Rewards-earning credit card you have, you can earn multiple points per dollar spent on your card.

15. Go Shopping in the Chase Ultimate Rewards Shopping Portal

An excellent way to earn Ultimate Rewards points is to utilize Chase’s shopping portal: Shop through Chase .

You can log in to the Ultimate Rewards shopping portal using your Chase account online password.

Click on Earn Bonus Points  at the top of the Ultimate Rewards home page, and you’ll see the shopping link.

Hot Tip: Earn big on dining out by purchasing Restaurant.com certificates on Shop through Chase to earn up to 20 points per dollar spent or more during special promotions.

16. Everyday Purchases

Every purchase on your Ultimate Rewards-earning credit card earns at least 1 point per $1 spent.

17. 90-Day Second Chance Welcome Offer

If you’ve signed up for a Chase credit card offer and see a higher offer is now available, you can contact Chase; they may match that offer.

For example, say you were approved for a Chase credit card with a welcome bonus offer of 60,000 Ultimate Rewards points, but you now see that a 75,000-point welcome bonus offer is available.

You might be able to get that offer matched by Chase. Within 90 days of approval, just call or send a secure message via your Chase online account to see if they’ll consider granting the higher welcome bonus offer.

18. Refer-A-Friend for a Chase Credit Card

The Chase Refer-A-Friend bonus is another great way to earn more Ultimate Rewards points without spending. If you have an Ultimate Rewards-earning Chase credit card, you can refer a friend to sign up — and you’ll both receive a bonus . Once they meet the offer requirements, they will earn the stated welcome offer on the card, and you’ll get a bonus once they’re approved and make a purchase!

Bonus amounts vary depending on the card and whether an existing offer is available. There is also an annual limit to how many points you can earn.

19. Add an Authorized User

Ultimate Reward bonuses for adding an authorized user to your credit card come and go.

Once you’re approved for your new Chase credit card, you may receive a bonus offer for adding an authorized user. You can also call the number on the back of your card to see if a bonus is available.

There is no set limit to how many Chase credit cards you can have, but Chase does have a rule about how many total credit cards you can open within 24 months.

Hot Tip: Be sure to review the  Chase 5/24 rule  before applying for any Chase credit card.

As Chase allows you to have only 1 Sapphire credit card , you’ll need to decide between the Chase Sapphire Preferred card or the Chase Sapphire Reserve card. Both cards are personal credit cards.

While there are plenty of ways to earn lots of valuable Ultimate Rewards points, the real fun starts at redemption time.

If you have a premium Chase credit card, such as the Ink Business Preferred card, Chase Sapphire Preferred card, or Chase Sapphire Reserve card, you’ll receive 25% to 50% more value when redeeming points on the Chase Travel (depending on the card).

You’ll also experience enhanced value when you transfer Ultimate Rewards points to Chase’s travel partners.

Check out our complete guide for other ways to redeem your Ultimate Rewards Points for maximum value .

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

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Travel Credit Cards

Start your journey today by finding the best travel credit card for your future exploration needs. Compare travel rewards benefits and offers including dining perks and new cardmember bonuses for extra points or miles.

Chase Sapphire Preferred ® credit card . Links to product page.

Chase Sapphire Preferred ® credit card card reviews (7,829 cardmember reviews) Opens overlay

New cardmember offer.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

AT A GLANCE

Premium dining & travel rewards Earn 5x total points on travel purchased through Chase Travel SM , excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. Earn 3x points on dining at restaurants including eligible delivery services, takeout and dining out. Earn 2x on other travel purchases.

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

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Chase Sapphire Reserve ® Credit Card . Links to product page.

Chase Sapphire Reserve ® Credit Card card reviews (4,642 cardmember reviews) Opens overlay

Earn 5x total points on flights and 10x total points on hotels (excluding The Edit SM ) and car rentals when you purchase travel through Chase Travel SM after the first $300 is spent on travel purchases annually.

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$550 annual fee † Opens pricing and terms in new window ; $75 for each authorized user † Opens pricing and terms in new window

Southwest Rapid Rewards ® Plus Credit Card . Links to product page.

Southwest Rapid Rewards ® Plus Credit Card card reviews (2,559 cardmember reviews) Opens overlay

Earn 50,000 points after qualifying purchases.

3,000 anniversary points each year. Plus, earn 2X points on Southwest ® purchases and 1X points on all other purchases.

$69 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Priority Credit Card . Links to product page.

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Receive a $75 annual Southwest ® travel credit and 7,500 anniversary points each year. Plus, earn 3X points on Southwest purchases.

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Southwest Rapid Rewards ® Premier Credit Card . Links to product page.

Southwest Rapid Rewards ® Premier Credit Card card reviews (3,823 cardmember reviews) Opens overlay

6,000 anniversary points each year. Plus, earn 3X points on Southwest ® purchases and 1X points on all other purchases.

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United SM Explorer Card . Links to product page.

United SM Explorer Card card reviews Opens overlay

Earn 50,000 bonus miles after qualifying purchases.

Join Us with 2x miles on United purchases, dining, and hotel stays. Plus, enjoy a free first checked bag, priority boarding and other great United travel benefits. Terms apply.

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$0 intro annual fee for the first year, then $95 † Opens pricing and terms in new window

United Quest SM Card . Links to product page.

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Earn 60,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying purchases.

Pursue Your Quest SM Enjoy a $125 annual United purchase credit, two free checked bags, priority boarding and other premium travel benefits. Plus, earn 3x miles on United purchases and 2x miles on all other travel. Terms apply.

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United Gateway SM Credit Card . Links to product page.

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Earn 20,000 bonus miles after qualifying purchases.

Start your adventure with 2x miles on United purchases, at gas stations and on local transit and commuting. Plus, 25% back on United inflight and Club premium drink purchases, and no foreign transaction fees. † Opens pricing and terms in new window

0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After the intro period, a variable APR of 21.99 Min. of (8.50+13.49) and 29.99 %– 28.99 Min. of (8.50+20.49) and 29.99 %, † Opens pricing and terms in new window see pricing and terms for more details. † Opens pricing and terms in new window

$0 † Opens pricing and terms in new window

United Club SM Infinite Card . Links to product page.

United Club SM Infinite Card card reviews Opens overlay

Earn 80,000 bonus miles after qualifying purchases.

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 4x miles on United purchases, and 2x miles on dining and all other travel. Terms apply.

$525 † Opens pricing and terms in new window

Aeroplan ® Card . Links to product page.

Aeroplan ® Card card reviews Opens overlay

Earn 70,000 bonus points. Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open. That's enough to fly to another continent.

Earn points fast with Aeroplan. 3X points at grocery stores, on dining including take out and eligible delivery services and on purchases made directly with Air Canada. Plus, enjoy free first checked bag and other Aeroplan travel benefits.

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IHG One Rewards Premier Credit Card . Links to product page.

IHG One Rewards Premier Credit Card card reviews Opens overlay

Earn 5 Free Nights After you spend $4,000 on purchases in the first 3 months from account opening. Each night is valued at up to 60,000 points - that's up to 300,000 total points!

Earn IHG One Rewards points on every purchase. Up to 26X points total per $1 spent when you stay at IHG ® Hotels and Resorts.

$99 † Opens pricing and terms in new window

IHG One Rewards Traveler Credit Card . Links to product page.

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Earn 80,000 100,000 100,000 not 80,000 Bonus Points After you spend $2,000 on purchases in the first 3 months from account opening.

Earn IHG One Rewards points on every purchase. Up to 17X points total per $1 spent when you stay at IHG ® hotels and resorts.

Marriott Bonvoy Bold ® Credit Card . Links to product page.

Marriott Bonvoy Bold ® Credit Card card reviews Opens overlay

Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in your first 3 months from account opening. Free Night Award valued up to 50,000 points. Certain hotels have resort fees.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 14X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

Marriott Bonvoy Boundless ® credit card . Links to product page.

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3 Free Night Awards Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening. Certain hotels have resort fees.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 17X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

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Marriott Bonvoy Bountiful ™ credit card . Links to product page.

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85,000 Bonus Points Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.

Earn Unlimited Marriott Bonvoy ® points and get free stays faster. Earn points on every purchase and up to 18.5X total points per $1 spent at hotels participating in Marriott Bonvoy ® .

Disney ® Premier Visa ® Card . Links to product page.

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Disney Card Designs

$300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.

Dream bigger with the Disney Premier Visa Card from Chase. Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% on select card purchases and 1% on all other card purchases. Redeem toward most anything Disney at most Disney U.S. locations and for a statement credit toward airline purchases. Enjoy special Disney vacation financing and Disney shopping savings. Terms apply.

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Disney ® Visa ® Card . Links to product page.

Disney ® Visa ® Card card reviews Opens overlay

$150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.

Reward yourself with the Disney Visa Card from Chase. Earn 1% in Disney Rewards Dollars on all card purchases. Redeem toward most anything Disney at most Disney locations in the U.S. Enjoy special Disney vacation financing and Disney shopping savings. Terms apply.

19.24 Min. of (8.50+10.74) and 29.99 %– 28.24 Min. of (8.50+19.74) and 29.99 % variable APR. † Opens pricing and terms in new window 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24 Min. of (8.50+10.74) and 29.99 %– 28.24 Min. of (8.50+19.74) and 29.99 %. † Opens pricing and terms in new window

World of Hyatt Credit Card . Links to product page.

World of Hyatt Credit Card card reviews Opens overlay

Earn up to 60,000 Bonus Points after qualifying purchases.

Turn your purchases into more free nights at Hyatt with up to 9X total points per $1 spent at Hyatt hotels & resorts. Plus, get 1 free night and 5 tier qualifying night credits toward status each year.

British Airways Visa Signature ® Credit Card . Links to product page.

British Airways Visa Signature ® Credit Card card reviews Opens overlay

Earn 75,000 Bonus Avios Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.

Take your dream vacation getaway sooner In addition to the bonus, cardmembers earn 3 Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases, and 2 Avios for every $1 spent on hotel accommodations. Earn 1 Avios for every $1 spent on all other purchases. Terms apply.

Aer Lingus Visa Signature ® Credit Card . Links to product page.

Aer Lingus Visa Signature ® Credit Card card reviews Opens overlay

Take your dream vacation getaway sooner In addition to the bonus, cardmembers earn 3 Avios for every $1 spent on Aer Lingus, British Airways, and Iberia flight purchases, and 2 Avios for every $1 spent on hotel accommodations. Earn 1 Avios for every $1 spent on all other purchases. Terms apply.

Iberia Visa Signature ® Credit Card . Links to product page.

Iberia Visa Signature ® Credit Card card reviews Opens overlay

Take your dream vacation getaway sooner In addition to the bonus, cardmembers earn 3 Avios for every $1 spent on Iberia, British Airways, and Aer Lingus flight purchases, and 2 Avios for every $1 spent on hotel accommodations. Earn 1 Avios for every $1 spent on all other purchases. Terms apply.

Ink Business Preferred ® Credit Card . Links to product page.

Ink Business Preferred ® Credit Card card reviews Opens overlay

120,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.

Reward your business with flexible and rich rewards. Earn 3X points on shipping and other select business categories.

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United SM Business Card . Links to product page.

United SM Business Card card reviews Opens overlay

Earn 75,000 bonus miles after qualifying purchases.

Earn 2x miles on United purchases, dining, at gas stations, office supply stores and on local transit and commuting. Plus, enjoy a free first checked bag, priority boarding and other great United travel benefits. Terms apply.

$0 intro annual fee for the first year, then $99. † Opens pricing and terms in new window

United Club SM Business Card . Links to product page.

United Club SM Business Card card reviews Opens overlay

Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after qualifying purchases.

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 2x miles on United purchases and 1.5x miles on all other purchases. Terms apply.

$450 † Opens pricing and terms in new window

Southwest Rapid Rewards ® Performance Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Performance Business Credit Card card reviews Opens overlay

Earn up to 120,000 points. Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.

Earn 4X points on Southwest ® purchases and 2X points on purchases for your business in select categories. Plus, 9,000 anniversary bonus points each year.

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Southwest Rapid Rewards ® Premier Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Premier Business Credit Card card reviews Opens overlay

Earn up to 120,000 points. Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.

Earn 3X points on Southwest ® purchases, 2X points on local transit and commuting, and 1X points on all other purchases. Plus, 6,000 anniversary points each year.

IHG One Rewards Premier Business Credit Card . Links to product page.

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Earn 140,000 bonus points After spending $4,000 in the first 3 months from account opening.

Earn IHG One Rewards points on every purchase. Up to 26X points total per $1 spent when you stay at IHG ® hotels and resorts.

World of Hyatt Business Credit Card . Links to product page.

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Earn up to 75,000 Bonus Points after qualifying purchases.

Make the most of your small business spending with accelerated earning wherever you spend the most. Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter.

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Booking a Cruise with Chase Ultimate Rewards: A Quick Guide

If you’re like me and love earning rewards through credit card points, booking a cruise with Chase Ultimate Rewards might be an exciting option. Chase Ultimate Rewards points are known for their flexibility, allowing users to book various types of travel, such as flights, hotels, and rental cars, directly through the Chase portal. But what about cruises? After researching this topic, I’ve discovered that it’s entirely possible, and there are some essential details to keep in mind.

Before diving into the specifics, it’s essential to share that Chase Ultimate Rewards points can be used to book cruises, but the process is slightly different than booking flights or hotels. Instead of using the online travel portal, you need to call Chase to book your dream cruise. This may seem inconvenient, but calling a cruise advisor from Chase can come with some benefits, such as personalized assistance in selecting and booking your trip. It’s also important to note that cruise fares should be the same as booking directly with the cruise line, ensuring that you’re getting a fair deal.

Chase Ultimate Rewards Overview

I find the Chase Ultimate Rewards program to be one of the most versatile and valuable credit card rewards programs out there. When I use a Chase credit card, like the Chase Sapphire Preferred Card or the Chase Ink Business Preferred Card, I earn Ultimate Rewards points for each dollar spent. These points can be redeemed for travel expenses, statement credits, experiences, or even transferred to travel partners, such as airlines and hotel chains.

One of the key benefits of the Chase Ultimate Rewards program is the  Chase Travel Portal , where I can redeem my points for travel directly through Chase. This can be especially useful when there are no award flights available, or if I find a cheap fare that requires fewer points to book than transferring to a travel partner.

While booking flights, hotels, and rental cars through the Chase Travel Portal is straightforward, booking a cruise with Chase Ultimate Rewards points requires a different approach. Unfortunately, I cannot book a cruise directly through the online portal, but instead, I’ll have to call the  Ultimate Rewards booking hotline  to make a reservation.

When booking a cruise with points, I must keep in mind that the redemption value might not be as high as when I redeem points for other types of travel. However, for those who love cruising, using Chase Ultimate Rewards points can still provide a valuable way to pay for a cruise vacation.

Booking a Cruise Options

In this section, I will discuss available options for booking a cruise using Chase Ultimate Rewards. There are two primary methods that I will detail: using the Chase Travel Portal and transferring points to partner programs.

Chase Travel Portal

The Chase Travel Portal is a convenient way to book cruises directly with your Chase Ultimate Rewards points. However, it may not list all possible cruise options, so it’s essential to do thorough research. To book a cruise through the portal, follow the booking process, similar to booking flights or hotels. If you can’t find the cruise you want, you can call Chase’s cruise advisors at  1-866-951-6592  to help you find and book your desired cruise. Cruise advisors are available Monday through Friday, 9 am to 9 pm, and Saturday 9 am to 5 pm.

Transfer to Partner Programs

Another option when booking a cruise is transferring your Chase Ultimate Rewards points to partner loyalty programs, such as airlines or hotels. This can be beneficial if award flights or hotel stays are not available, or if you find a cheap fare through the travel partner. Transferring points to partner programs can help you maximize the value of your points.

Note that not all cruise lines accept points transfers directly. Therefore, transferring points to airlines or hotels may help you save on flights or accommodation related to your cruise vacation. It’s essential to research which transfer partners have partnerships with your chosen cruise line and confirm that your points transfer will provide the best value for your trip.

In conclusion, booking a cruise using Chase Ultimate Rewards points can be done through the Chase Travel Portal or by transferring points to partner programs. It is vital to do thorough research and consult with Chase’s cruise advisors if needed to find the best option for your desired cruise vacation.

Maximizing Cruise Value

As a Chase Ultimate Rewards enthusiast, I’m always looking for ways to get the most value out of my points, especially when it comes to booking a cruise vacation. In this section, I will share my insights and tips on how to maximize the value of your Ultimate Rewards points when planning a cruise getaway.

Top Cruise Line Partners

One of the best ways to maximize cruise value is by booking with top cruise line partners that are affiliated with Chase’s travel partners. Some popular cruise line partners include Royal Caribbean, Princess Cruises, and Norwegian Cruise Line. By transferring Ultimate Rewards points to these partners, I often get better value for my points than by booking directly through the  Chase Travel Portal .

Seasonal and Regional Tips

Another strategy I utilize to maximize value when booking a cruise is considering the season and region of my vacation. Off-peak times, such as the fall and winter months, tend to be cheaper for cruises. Additionally, certain regions might offer better value for your points. For example, Caribbean cruises are often more affordable compared to European cruises. By being flexible with my travel dates and destinations, I can get more value for my Chase Ultimate Rewards points.

Bonus Point Deals

Finally, I always keep an eye out for bonus point deals offered by Chase and their travel partners. These deals can include earning extra points on cruise bookings or redeemable discounts on cruise fares. Regularly checking  The Points Guy  and other points and miles websites, along with monitoring my Chase account, helps me stay up-to-date with the latest deals and promotions, ensuring I get the most value out of my Ultimate Rewards points when booking a cruise vacation.

Required Points and Costs

Determining points needed.

To book a cruise with Chase Ultimate Rewards, I first need to determine how many points are required. The value of the points depends on the specific Chase credit card used. For example, with the Chase Sapphire Preferred Card, points are worth 1.25 cents each when used for travel, while with the Chase Sapphire Reserve, they are worth 1.5 cents each  (The Points Guy) .

Calculating the points needed for a specific cruise means converting the cruise fare (in dollars) to points, based on the card’s point value. To do this, I would divide the total cost of the cruise by the per-point value offered by my card.

Associated Fees and Taxes

When booking a cruise with Chase Ultimate Rewards, it’s important to remember that additional fees and taxes may apply. These can vary depending on the cruise, the destination, and the duration of the trip. Port fees, government taxes, and other miscellaneous fees may not be included in the cruise fare and would need to be paid separately.

Typically, the following costs are associated with a cruise:

• Government taxes
• Fuel surcharges

When using Chase Ultimate Rewards to book a cruise, I must also be aware that some non-cost factors can affect my booking. For example, reward bookings made over the phone may not offer extra onboard credits or other perks that are usually available when booking directly with the cruise line  (Cruise Critic) .

Booking Process

It’s time to book a cruise with my Chase Ultimate Rewards. Here’s a step-by-step guide on how to do that along with some tips for a smooth booking process.

Step-by-Step Guide

To start the process, I need to call a Chase Travel Specialist at  1-866-951-6592  as the online portal may not have all the available cruise options. The specialists are available Monday-Friday 9 am to 9 pm and Saturday 9 am to 5 pm Eastern Time.

Once connected, I’ll provide the Cruise advisor with my desired cruise details, including the cruise line, ship, departure port, date, and itinerary. The specialist will then guide me through the options that meet my criteria.

After selecting a suitable cruise, I’ll provide my passenger details and choose my preferred cabin type. The Chase Travel Specialist will confirm the pricing and help me complete the booking process by redeeming the required number of Chase Ultimate Rewards points.

Tips for Smooth Booking

• Before calling, I should have a general idea of the cruise line, ship, departure date, and itinerary to help the specialist find suitable options more efficiently.
• It’s a good idea to research the cabin types available on the chosen ship. This way, I can provide the Cruise advisor with my preferences and make the booking process faster.
• Having my Chase Ultimate Rewards account details and the necessary passenger details ready before the call ensures a smoother booking experience.
• It’s important to note any cancellation and change policies associated with the chosen cruise, as these may affect my points redemption or any penalties in case of changes or cancellations.

By following these steps and tips, I can confidently book a fantastic cruise using my Chase Ultimate Rewards points.

Cancellation and Changes

As a frequent user of Chase Ultimate Rewards, I’ve found that it’s essential to understand the cancellation and changes policies when booking a cruise. In this section, I’ll provide details about the different aspects of these policies, including change and cancellation processes, as well as refunds and point reversals.

Change and Cancellation Policies

First and foremost, it’s important to keep in mind that the change and cancellation policies for a cruise booked with Chase Ultimate Rewards may vary depending on the cruise line and specific booking terms. Before making any changes or cancellations, I always recommend reviewing the travel provider’s website to find their most updated COVID-19 policy information, as some providers have waived cancellation fees during this time. Additionally,  Chase’s Ultimate Rewards cancellation request form  is available for trips at least eight days in the future. If your trip is departing sooner, it’s best to call the customer support.

Refunds and Point Reversals

Once you’ve determined the appropriate cancellation process, it’s essential to understand how refunds and point reversals will work. In most cases, when canceling a cruise booked with Chase Ultimate Rewards points, the points will be credited back to my account. The exact amount returned may depend on the specific cancellation terms and any applicable fees. Remember that the timeline for receiving these points back may vary and can range from a few days to several weeks.

For cash refunds, it’s important to note that they will typically be processed to the original form of payment, such as a credit card or debit card used at the time of booking. Just like with point reversals, the refund timeline can vary, so it’s essential to be patient and keep an eye on your account for any updates.

In conclusion, when booking a cruise using Chase Ultimate Rewards, it’s crucial to understand the change and cancellation policies, as well as the process for refunds and point reversals. By staying informed and acting accordingly, I can make the most out of my rewards and enjoy a hassle-free travel experience.

Frequently Asked Questions

As I’ve booked cruises with Chase Ultimate Rewards, I’ve come across some common questions that might also be on your mind. I’ve provided short and concise answers to help guide you through the process.

How do I use Chase Ultimate Rewards to book a cruise? To book a cruise with Chase Ultimate Rewards, visit the  Chase Ultimate Rewards  website and log in to your online account. Once logged in, click on the “Earn/Use” tab, followed by the “Travel” icon. From the travel menu, select the “Cruises” tab, and you will be able to either browse available cruise packages or search for a specific offer based on the destination or cruise line.

Are the cruise fares the same as booking directly? Yes, the cruise fares booked through Chase Ultimate Rewards should be the same as what you would see when booking directly with a cruise line or through other travel agencies. However, there might be some differences in extra offers like onboard credit ( Cruise Critic ).

Can I book other travel services with Chase Ultimate Rewards? Yes, in addition to cruises, you can use your Chase Ultimate Rewards points to book flights, hotel stays, rental cars, and various activities. It’s essential to compare your options and decide whether it’s better to book through the portal or transfer points to airline and hotel partners ( The Points Guy ).

Can I use a combination of points and cash to pay for my cruise? Yes, you can use a combination of your Chase Ultimate Rewards points and your credit card to pay for your cruise booking. This option provides more flexibility, allowing you to choose how many points you want to redeem and how much cash you want to pay ( Chase Ultimate Rewards ).

In my experience, booking a cruise with Chase Ultimate Rewards can be a great way to use my points and enjoy a memorable vacation. One of the key aspects I’ve learned is that cruise fares should be the same as what I’d see booking direct, but it can be different when it comes to the additional offers and onboard credits  (Cruise Critic) .

I found that the Chase Ultimate Rewards travel portal allows me to book flights, hotels, rental cars, and more directly with my points  (The Points Guy) . However, when booking a cruise, it is better to call a Chase travel specialist directly. The phone number I used was 1-866-951-6592, and they were available Monday through Friday 9 am to 9 pm, and Saturday 9 am to 5 pm  (Richmond Savers) .

It’s worth noting that some types of cruises, like Disney Cruises, cannot be booked with Chase Ultimate Rewards  (The Points Guy) . So, I recommend checking with the Chase travel specialist to confirm the availability of the desired cruise lines and options.

Utilizing Chase Ultimate Rewards to book a cruise has allowed me to make the most out of my points and create fantastic memories. By keeping these points in mind and communicating with a Chase travel specialist, booking a cruise journey can be a seamless and enjoyable process.

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3 things you’re doing wrong with the Chase Sapphire Reserve

How to get more value from your chase sapphire reserve , the bottom line, stop making these 3 mistakes with your chase sapphire reserve. do this instead.

You're wasting money if you don't take advantage of this card's fantastic rewards and benefits.

Jason Steele

Credit card expert and founder of CardCon

As a freelance personal finance writer since 2008, Jason has contributed to over 100 outlets including Forbes, USA Today, Newsweek, Time, U.S. News, Money.com and NerdWallet. As an industry leader, Jason has spoken at dozens of conferences and is the founder and producer of CardCon, an annual conference for credit card media. Jason also consults with individuals and small business owners to create customized plans to help them earn and spend travel rewards. He can be reached via his website, JasonSteele.com and on LinkedIn.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Chase Sapphire Reserve®️ isn’t living up to its potential for a lot of cardholders. At least, that’s what I’ve seen as a credit card expert who advises people on how to get the most out of their cards. 

In fact, I’d say a significant percentage of Sapphire Reserve cardholders are using it wrong, and aren’t receiving all of the rewards and benefits they deserve.

When the Sapphire Reserve was first introduced, it took the credit card world by storm. Since then, it’s proved to be as powerful as it is popular. However, perhaps because it’s so widely used by those new to travel rewards, I’ve seen many cardholders fail to appreciate some of its most valuable features.

There are three ways that Sapphire Reserve cardholders can earn the most value from their card: earning rewards, redeeming rewards and maximizing benefits. However, these are the areas where cardholders tend to miss out.

1. You’re not booking through Chase Travel℠

The Sapphire Reserve is a premium travel rewards card, so it makes sense that most cardholders are frequent travelers. 

However, many cardholders aren’t aware that Chase offers outstanding opportunities to earn bonus points when you book travel through the Chase Travel portal. While it doesn’t always make sense to book through Chase, you can earn 5x Ultimate Rewards points on airfare, and an astounding 10x on hotels. 

2. You redeem all of your points through Chase Travel

Chase loves to advertise its travel site. It touts that cardholders can receive “50% more value” by redeeming their points through Chase Travel, and that there are “no blackout dates or restrictions.” While these claims are true, it’s still a bad idea to focus only on using Chase Travel when redeeming your points. 

First, the claim that you’re receiving “50% more value” means that you receive 1.5 cents in value per point redeemed, which is 50% better than some other award options such as cash back and gift cards. But it doesn’t account for the possibility of receiving even more value when transferring your rewards to airline miles or hotel points (we’ll get to that a little later). 

3. You skipped the guide to benefits

When you first received your Chase Sapphire Reserve, you also received plenty of paperwork, including the cardholder agreement and other legal documents. Buried in there was the guide to benefits, which lists all of the travel insurance and shopping protection policies offered to you.

While I’ll admit it isn’t exciting to read, you really want to take a few minutes to go through this, as it includes some incredibly valuable perks. And when you don’t know about these perks, you could miss out on reimbursements or pay extra to buy unnecessary travel insurance or extended warranties. 

Now that you know what you’re doing wrong, here’s how to turn the situation around and start leveraging this powerful card. 

To earn more rewards, make reservations through Chase Travel

When shopping around for airfare and hotels, always check Chase Travel. When you’re able to purchase airfare through Chase, you’ll receive 5x Ultimate Rewards points per dollar spent. 

If each point when redeemed through Chase Travel is worth 1.5 cents, then you’re essentially earning a minimum of 7.5% back toward new travel booked through Chase, and potentially much more. When you book airfare through Chase, you’ll also be able to add your frequent flier number and earn miles from your trip. That’s why I tend to book my flights this way.

When you book hotels through Chase, you’ll earn an amazing 10x points per dollar spent, but you’ll usually be unable to earn hotel points. Still, the chance to earn rewards worth at least 15% -- because again, each point is worth 1.5 cents when redeemed through Chase Travel -- of your spending is likely better than the value of the hotel points you’d miss out on. 

When you choose a hotel from Chase’s The Edit collection, you’ll receive additional perks including daily breakfast for two, room upgrade at check-in (if available), early check-in/late check-out (if available) and a $100 property credit toward dining, spa or other activities at the property. 

Transfer points to travel partners to get more value when redeeming rewards

Instead of redeeming your Chase Ultimate Rewards points directly through Chase Travel, consider transferring your rewards to airline and hotel partners instead, where they could be worth more. 

For example, you can transfer your Chase points to Hyatt at a 1:1 ratio, and it’s often possible to receive two or three cents per point when you redeem them.

When you transfer your points to airlines and redeem those rewards for international business class awards, you can also receive several cents in value per mile redeemed. For example, Iberia offers business class flights from Boston, New York or Washington to Madrid for just 34,000 Avios each way.

Currently, a business class flight from Boston to Madrid costs $2,853 to $4,219 for a nonstop flight. If you were to get a flight for 34,000 Avios, that means you’re getting 8.4 cents per point value at the low end and 12.4 cents at the high end.

Using Flying Blue miles, you can often book business class tickets to Europe for 50,000 to 67,500 on Air France, KLM, Delta and Virgin Atlantic. Air Canada can offer business class awards to Europe for 70,000 to 85,000 miles, round-trip on its own flight and on partners such as United, Lufthansa and Swiss. In the past I’ve seen as much as 5 cents per point redeemed when I’ve booked expensive business class flights this way. 

Learn to use your Sapphire Reserve benefits

If you threw away your paper copy of the guide to benefits, don’t worry, you can easily find a copy online . Take a look at it now, before you need to use the benefits or purchase additional travel insurance. 

For example, did you know that if you get sick or injured on a trip, there’s an emergency evacuation and transportation benefit that will pay up to $100,000 to transport you home? And if your car breaks down, you can receive a free tow of up to 5 miles, along with other minor services, up to four times a year. 

You don’t even have to be traveling to use this benefit, as I’ve had my car towed after having a flat tire or mechanical breakdown around town. 

Other high-value benefits include trip delay reimbursement, baggage delay insurance, and emergency medical and dental benefits. 

With its $550 annual fee, the Chase Sapphire Reserve isn’t cheap. But its rewards and benefits are valuable enough to make it well worth its cost. By avoiding common mistakes and maximizing the features of this card, you can receive more value from using it.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Chase ultimate rewards®: how our program works.

Chase Ultimate Rewards ® is a credit card rewards program offered by Chase that helps turn your everyday purchases into exciting rewards. As a cardmember, you have the opportunity to earn rewards points while you shop, dine or travel.

One of the most valuable parts of the program is the built-in flexibility that allows you to earn rewards , then easily redeem or transfer them when you’re ready.

In this article, we’ll dive into how this program works, how to earn and maximize your rewards points and also how to redeem them.

How does Chase Ultimate Rewards work?

Chase Ultimate Rewards are rewards points that many Chase credit cards offer cardmembers. These rewards points are earned by using an eligible card for your everyday spending or travel purchases.

All Chase credit cards allow you to redeem those points for cash back, travel, gift cards and Amazon or Apple purchases. In some cases, you may even be able to redeem your points for special experiences or access exclusive events.

Many people enjoy using their points to help pay for travel. There are two ways to do this:

• Book your travel through the Chase Travel Portal and use your points toward the purchase.
• Transfer your Ultimate Rewards points to an airline or hotel that has a partnership with Chase.

How to earn Chase Ultimate Rewards points

To earn Chase Ultimate Rewards points, simply use an eligible Chase credit card for your everyday spending. If the card has a sign-up bonus offer, you can earn it by meeting certain spending requirements within a specified amount of time after first opening your account. In addition, you can earn points by taking advantage of categories that may offer higher points per dollar spent (such as gas stations, grocery stores, restaurants, streaming services and more).

How much are Chase Ultimate Rewards points worth?

The value of your Chase Ultimate rewards points will differ depending on the credit card that you have and the category that you’re redeeming in. In general, points are worth more when redeemed for travel or transferred to Chase’s partners.

For example, if you have a Sapphire Reserve ® card and you use your points to book travel through the Chase Ultimate Rewards portal, your points are worth 1.5 cents per point instead of 1. If you have a Sapphire Preferred ® card , you can redeem for travel at 1.25 cents per point.

If you’re interested in cash back, each point is worth 1 cent.

How much are 10,000 Chase rewards points worth?

In most cases, 10,000 Chase Ultimate Rewards points are typically worth $100 that you can then use to purchase gift cards, make purchases on Amazon or receive as cash back on your statement. However, as stated above, if you’re a Chase Sapphire Reserve cardmember (or other eligible cardmember) and choose to use your rewards points for travel, your points may be worth more. In this case, if you book your travel through Chase, your points are worth 1.5x the cash back redemption value and therefore those 10,000 points are worth $150.

How much are 100,000 Chase rewards points worth?

The math is the same as above, so 100,000 Ultimate Rewards points are typically worth at least $1,000. They could be worth more depending on the card you use and if you book through Chase’s online travel portal.

How to redeem Chase Ultimate Rewards points

There are four main ways to redeem your Ultimate Rewards points.

Book travel: Instead of booking your travel plans directly with an airline, hotel or rental car, you can use the Chase Travel Portal to book these reservations. You can use your Ultimate Rewards points to pay for all or part of the purchase. Or, if you purchase your travel using an eligible Chase credit card, you can earn 5x the rewards on airfare.

Transfer points to a partner: If you have a Sapphire Reserve or Sapphire Preferred credit card, you have the ability to transfer your rewards points (in 1,000 point increments) to Chase’s travel partners and use those points toward the purchase of travel. Simply log onto the Chase Ultimate Rewards portal and choose the “Transfer to Travel Partners” section. There, you can choose from among the list of airline and hotel travel partners.

Redeem for cash back: The Ultimate Rewards portal makes it easy to redeem your rewards points for cash back. You can choose to receive this as a statement credit or have it deposited into your bank account.

Redeem for gift cards: Similar to booking travel, you can redeem your rewards points to purchase gift cards through the Ultimate Rewards portal. The point value is 1 cent for gift cards, though sometimes Chase offers discounts on certain gift cards throughout the year, which means the value per point increases and your rewards go a bit further. You can find out which gift cards are discounted by navigating to the gift card section of the Ultimate Rewards portal.

Chase credit cards that earn Chase Ultimate Rewards

Chase offers several credit cards that are eligible to earn Ultimate Rewards points, each with their own unique features and benefits. Here are just a few to consider:

Chase Sapphire Reserve ®

• Earn a welcome bonus after you spend a minimum amount within the first three months of opening the card
• Receive an annual travel credit of up to $300 each anniversary year
• Earn 10x points on Chase Dining purchases with Ultimate Rewards
• Earn 10x points on hotels and car rentals when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
• Earn 5x total points on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
• Earn 3x points on dining at restaurants, including takeout and eligible delivery services
• Earn 3x points on other travel not purchased through Chase

Chase Sapphire Preferred ®

• Earn 5x points on travel purchases through Chase Travel
• Earn 3x points on dining and eligible delivery services
• Earn 3x points on select streaming services
• Earn 2x points on other travel purchases
• Earn 1 point per dollar spent on all other purchases

Chase Freedom Unlimited ®

• Low annual fee 
• 5% cash back on travel purchases through Chase Ultimate Rewards ®
• 3% cash back on dining at restaurants, including takeout and eligible delivery services
• 3% cash back on drugstore purchases
• Earn 1.5% cash back on all other purchases
• Cash back rewards do not expire as long as your account is open

Chase Freedom Flex ®

Though similar to Freedom Unlimited, the Chase Freedom Flex credit card has one key difference – it has rotating bonus categories that you activate each quarter to earn bonus rewards. Once you activate the categories, you’ll earn 5% cash back on those specific spending categories, up to the spend cap, and they change every three months. This enables you to maximize cash back in different areas throughout the year. This list of features include:

• Low annual fee
• 5% cash back on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores and select online merchants, each quarter you activate
• 5% cash back on travel purchases through Chase Travel
• 1% cash back on all other purchases

Do Chase Ultimate Rewards points expire?

Chase Ultimate Rewards points do not expire as long as your credit card account remains open and in good standing. If you choose to close your account, you may lose any unredeemed points. It’s always a good idea to read your credit card’s terms and conditions carefully.

The bottom line

Chase Ultimate Rewards stands out as a flexible and adaptable rewards system that provides numerous avenues for accruing and utilizing rewards points. It offers many options for accumulating rewards points as well as a versatile platform for redeeming them.

• card travel tips
• credit card benefits

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Why I chose the Chase Sapphire Preferred as my next credit card

Choosing your next credit card can be a challenge. When I decided to open my fifth credit card, it came down to a showdown between the Chase Sapphire Preferred® Card and the Bilt Mastercard® (see rates and fees ). While the rewards and benefits of the Bilt card are appealing, I chose to go with the Sapphire Preferred.

There are many compelling reasons to have the Sapphire Preferred have it in your wallet. Here are the factors that swayed my decision in its favor.

Related: 6 reasons the Chase Sapphire Preferred should be your next credit card

Fantastic offer

The Sapphire Preferred has a very appealing welcome offer : 60,000 Chase Ultimate Rewards points after spending $4,000 in purchases in the first three months from account opening.

Chase values this welcome offer at $750. However, since TPG values Ultimate Rewards points at 2.05 cents per point when using Chase's transfer partners, 60,000 points can be worth as much as $1,230 when redeemed for travel .

It's hard to say no to an offer like this. I hold the Chase Freedom Flex® and the Chase Freedom Unlimited® ; by combining my earnings on those cards with the Sapphire Preferred, I can obtain even more Ultimate Rewards points. I'm hoping to take my first international trip next year. These points will allow me to make a flight or a hotel redemption through Chase's transfer partners , lowering the overall out-of-pocket cost for my trip.

Related: The best time to apply for these 9 popular travel credit cards

Useful hotel statement credit

This card offers up to $50 in statement credits each account anniversary year for hotel stays booked through Chase Travel℠. I don't plan to book hotels through Chase Travel too often; I'll usually get better value by booking directly with the hotel.

That's because if I use Chase Travel to book a stay with a major hotel brand, I won't earn points with that brand's loyalty program. Since I often stay with Hilton, booking directly with them to earn Hilton Honors points makes more sense.

I'll still pay for that charge with my Sapphire Preferred, ensuring I'll get bonus Ultimate Rewards points on top of hotel points. However, if I'm booking a hotel that doesn't have a loyalty program , I will book through Chase Travel . That's where the Sapphire Preferred's hotel statement credit comes into play.

It's nice to know that I'll still get some kind of benefit when booking with a boutique hotel . The statement credit can reduce the overall cost of my stay, helping me save money for experiences and dining. It makes bookings at nonbranded hotels much more appealing — especially on short trips when the cost of my stay isn't high.

Related: How to use the $50 hotel credit on the Chase Sapphire Preferred

Benefits that fit my lifestyle

As a young professional living in a city, I use DoorDash frequently. Delivery fees and other fees on every order can add up, so DashPass is an important membership for me.

With the Sapphire Preferred , I'll get a complimentary DashPass subscription for at least one year (activate by Dec. 31, 2027). Since an annual DashPass subscription is valued at $96, this benefit alone pays for the Sapphire Preferred's $95 annual fee.

Solid earning rates

As a prospective traveler, I love that the Sapphire Preferred earns 2 points per dollar in spending on travel purchases made outside of Chase Travel. If I book through Chase Travel, I'll earn 5 points per dollar on my purchase. Chase's definition of travel for this card is broad . It includes some purchases you may not expect, like campgrounds, toll bridges and highways, travel agencies and parking garages.

I'm a big fan of the outdoors , so earning bonus points on camping reservations is part of what makes this card so appealing. Regardless of how or where I travel, I know I can rely on the Sapphire Preferred to earn me bonus points.

Since I'll be using the Sapphire Preferred to pay for all my DoorDash orders, it's nice to know that it earns a lot in the dining category. I'll earn 3 points per dollar on dining. My American Express® Gold Card is my go-to card when I dine at a restaurant, but the Sapphire Preferred is still useful at restaurants that don't accept American Express. The Sapphire Preferred doesn't have a foreign transaction fee , so I can also use it as my dining card abroad.

As a city dweller, I don't have a car. I often use ride-hailing apps whenever I need to travel somewhere that's too far to reach on foot. With the Sapphire Preferred, I'll earn 5 points per dollar in spending on Lyft rides (through March 2025).

Finally, I love that the Sapphire Preferred earns 3 points per dollar on streaming . Streaming isn't close to my biggest spending category each month, but I want to maximize the points I earn whenever and wherever possible. Earning extra points on my streaming services, like Spotify and ESPN+, greatly benefits me. Since TPG values Ultimate Rewards points at 2.05 cents per point, I'll receive over 6% back on all my streaming purchases.

Related: How to pay less than $4 a month for 4 streaming services

Fits into my larger strategy

As mentioned, I can combine my rewards from the Freedom Flex , Freedom Unlimited and Sapphire Preferred to get greater value. This trio of cards isn't the only way the Sapphire Preferred fits into my bigger points and miles strategy .

I want to optimize my wallet across as many spending categories as possible. Since the Sapphire Preferred has such strong earnings on travel and streaming, I'll use it for all those purchases going forward.

I'll still use my Amex Gold at U.S. supermarkets and as my primary card for restaurants; meanwhile. I'll use my Freedom Unlimited for all other spending. My Freedom Flex earns bonus points on rotating quarterly categories, such as Amazon and fitness clubs, further strengthening my wallet (activation required).

With my travel, dining, streaming and grocery spending well covered, I can start thinking about other spending categories I want to earn bonus points on. Even though I chose the Sapphire Preferred this time, I still intend to apply for the Bilt Mastercard in the future. That card will allow me to earn points on rent — my largest spending category each month (on up to 100,000 points per calendar year; cardholders must use the card five times each statement period to earn points; see rewards and benefits ).

I also want cards with benefits that fit my lifestyle. Since I use food delivery and ride-hailing services a lot, I want cards that offer perks connected to these services. The Sapphire Preferred helps serve this with its complimentary DashPass membership and 5 points per dollar on Lyft rides. This card is a great step toward having a well-rounded and powerful wallet.

Related: No-annual-fee credit card strategies

Bottom line

The Sapphire Preferred offers great earning categories and useful benefits for an annual fee of just $95. By taking advantage of the complimentary DashPass subscription and hotel statement credit, I can easily get positive value out of this card. The Sapphire Preferred will have a prominent place in my wallet for a long time.

To learn more, check out our full review of the Chase Sapphire Preferred .

Apply here: Chase Sapphire Preferred

Related: 11 reasons to choose the Sapphire Preferred over the Sapphire Reserve

For rates and fees of the Bilt Mastercard, click here . For rewards and benefits of the Bilt Mastercard, click here .

How Do Travel Credit Cards Work?

Travel credit cards allow you to earn points and miles you can redeem for flights, hotel stays and more.

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You'll maximize the value of your rewards by using your issuer's travel or shopping portal instead of a third-party site.

Key Takeaways

• Travel credit cards offer rewards that can save you money on the likes of flights and hotel stays, plus perks for the traveler.
• Co-branded cards apply to specific airlines or hotel chains, while general cards offer flexibility.
• Travel credit cards may come with annual fees, but higher fees may mean more rewards and perks.

Transitioning from cash back credit cards to travel credit cards can feel a little daunting. But once you get the hang of it, it's almost as straightforward. Almost.

Types of Travel Credit Cards

General travel credit cards.

These are your regular travel cards that offer rewards within a card issuer's benefits program. Say you have the American Express® Gold Card . You would redeem your rewards using the American Express Membership Rewards program. This can all be done in the app, so it's less complicated than it sounds.

These types of travel cards are best for consumers who don't have any kind of allegiance to a particular hotel or airline. These cards also have flexible redemption options, so depending on the issuer, consumers can transfer rewards to a number of travel partners.

Hotel Credit Cards

You might have seen these being called co-branded cards. That's because these cards are a partnership between a hotel chain and an issuer. Points can be redeemed for hotel perks, like free stays and room upgrades. Consumers also earn the most rewards when they use their card at their preferred hotel chain.

For example, consumers with the Hilton Honors American Express Aspire Card earn 14 Hilton Honors Bonus Points for every dollar they spend at Hilton hotels and resorts. It's worth noting, though, that cards with high earning rates often charge higher annual fees. Such is the case with the Aspire Card, as it charges an annual fee of $550.

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Airline Credit Cards

Also considered co-branded cards, airline credit cards cater to the consumer who frequents a specific airline. Many offer introductory bonuses in the form of miles and provide perks like award flights, free checked bags and priority boarding.

The Delta SkyMiles® Blue American Express Card , for example, has a welcome offer of 10,000 miles after you spend $1,000 in eligible purchases in the first six months as a cardholder. And cardholders earn 2 miles for every dollar spent on Delta purchases and at restaurants worldwide. ( See Rates & Fees )

Common Travel Credit Card Perks

These benefits will vary depending on the type of travel credit card you have, but many perks include:

• No foreign transaction fees
• Trip cancellation and/or trip delay insurance
• TSA PreCheck or Global Entry application fee credit
• Baggage delay or lost baggage insurance
• Auto rental collision damage waiver
• Airport lounge access

How Travel Credit Cards Work

Cardholders can earn points and miles in the same way they'd earn cash back. Just use your travel credit card for purchases that help you get the most rewards. Once you're ready to spend them, it's best to use your issuer's travel or shopping portal instead of a third-party site. Your rewards will have a slightly higher value that way.

Miles earned on an airline credit card get deposited into your airline frequent flyer program, usually when your statement closes. Similarly, hotel points earned on a hotel credit card get deposited into your hotel loyalty account.

Rewards earned on general travel cards have a bit more flexibility. Many have travel partners, allowing you to transfer rewards to multiple airlines, hotels and car rental companies.

How to Redeem Rewards

Rewards programs typically use a 1-to-1 conversion rate – this means one point is worth 1 cent. So 100 points are worth $1. But some issuers offer higher redemption values if you use their travel portal.

For example, if you have a Chase Sapphire Preferred® Card , one point is worth 1.25 cents when you redeem through the Chase Travel portal. Chase Sapphire Reserve® has an even higher redemption rate of 1.5 cents per point.

Another way to maximize your rewards is to transfer points or miles to a travel partner with a loyalty program you participate in. You can do this through the issuer's portal. It's worth noting, however, that once you transfer your rewards to a travel partner, you can't transfer them back to the issuer.

Once you've made the transfer, your credit card issuer is no longer part of the booking process. You then book your trip through the airline or hotel loyalty program.

How to Pick the Right Travel Card

There are a plethora of travel credit cards out there. Here's what to consider when choosing the one right for you:

• Travel preferences. Picking the right travel card means figuring out how you travel. For instance, if the airline or hotel doesn't matter to you, then a general travel card is a good starting point. But if you consider yourself, say, a Delta die-hard, a co-branded airline card would be a better option.
• Introductory bonus. When you apply is almost as important as the type of card you apply for. Issuers often change their welcome offers on a yearly basis. Unfortunately, it's impossible to predict when an issuer will increase its welcome offer. But compare these offers and determine if you're able to comfortably meet the requirements before deciding on a card.
• Annual fee. There are plenty of travel credit cards with no annual fee for the budget-conscious traveler. But remember, the higher the fee, the better the perks (usually).
• Essential perks. That TSA PreCheck or Global Entry credit can go a long way. Or maybe you know you're an over-packer and need that first-checked-bag-free credit. Make sure the travel card checks all your boxes.

After learning how to get the most out of your new travel card, you'll be able to pay for whole trips with just rewards. They're essential for those consumed with wanderlust.

Tags: credit cards , Travel Credit Cards

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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Chase Improving Credit Card Travel and Purchase Protection Benefits

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In a generally consumer-friendly move, Chase has announced changes to the travel and purchase protection benefits on its consumer credit cards. The bank will also switch its card-based insurance benefits administrator and underwriter to Assurant, a Fortune 500 global business services company. These benefits are currently administered by eClaimsline.

Chase did not release an exhaustive list of cards impacted by these changes, but according to the bank, the update will go live on Oct. 1, 2024, and covers “all brand and co-brand Chase credit cards.”

Affected cardholders will receive a revised guide to benefits outlining the new coverages for their card by Aug. 15, 2024.

» MORE : How free travelers insurance through credit cards works

What’s changing?

Auto rental coverage.

Coverage limits will change to $60,000 for eligible vehicles with a retail price of $125,000 or less. Currently, this coverage is up to the actual cash value of the rented vehicle. Cardholders will also now have 100 days to notify the benefit administrator of an accident, increased from 60 days.

Cards that will see this coverage revision include (but are not limited to) the Chase Sapphire Preferred® Card , Chase Freedom Flex® , Chase Freedom Unlimited® , World of Hyatt Credit Card and the IHG One Rewards Premier Credit Card .

» MORE : The guide to Chase rental car insurance for travelers

Emergency evacuation and transportation

The service provider will now arrange and provide for emergency transportation for qualifying events. Currently, cardholders need to pay upfront and then file a reimbursement claim.

This benefit is offered on cards bearing the Visa Infinite logo, including the Chase Sapphire Reserve® and the United Club℠ Infinite Card .

» MORE : The guide to Chase Sapphire Reserve’s travel insurance benefits

Travel and emergency assistance

This benefit is being added to “select products,” according to Chase, and provides legal and medical referrals and access to other travel and emergency assistance services. 

Examples of cards that will carry this coverage include the Chase Freedom Flex® , Chase Freedom Unlimited® , IHG One Rewards Premier Credit Card and the World of Hyatt Credit Card .

Travel accident insurance

The coverage limit is increasing to $500,000 on “select products” that already offer this benefit but with a lower coverage limit.

Examples of cards that will carry this coverage include the World of Hyatt Credit Card and Chase Freedom Flex® .

Lost luggage reimbursement

This benefit is being added to “select products,” according to Chase, and provides reimbursement up to $3,000 per covered traveler per trip for the cost to repair or replace luggage and personal property that is lost or damaged during air travel.  

Examples of cards that will carry this coverage include the United℠ Explorer Card and the Aer Lingus Visa Signature® Card .

» MORE : The guide to baggage delay or loss insurance

Extended warranty protection

The terms of this benefit are changing to $10,000 per claim and a maximum of $50,000 per year. Previously, those same coverage limits applied to the lifetime of the account and did not reset each year. 

Chase has not released which cards will acquire this benefit.

» MORE : Chase purchase protection: What to know

Trip cancellation/interruption insurance

This benefit is being upgraded on the United Gateway℠ Card to cover additional family members and more qualifying reasons for submitting a claim.

To qualify for these travel and purchase protections, you must use your applicable Chase card for the full cost of your purchase. Other purchases will not be protected.

» MORE: Does my Chase credit card have travel insurance?

More coverage when you need it

Consumer protections are one of the many reasons NerdWallet recommends shopping with a credit card . Increased coverage limits combined with an expanded list of cards that carry these benefits are a good thing for individual Chase cardholders. These perks can make it less stressful when things go wrong, especially when you’re away from home.

» MORE: Best Chase credit cards

on Chase's website

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

75,000 Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

Find the right credit card for you.

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