Best Chase Ultimate Rewards Credit Cards

Here are the best Chase Ultimate Rewards credit card offers:

Chase Ultimate Rewards Personal Cards

Chase Sapphire Preferred® Card

Unlock Travel Rewards with the Chase Sapphire Preferred^® Credit Card

75,000 bonus points after spending $5,000 in the first 3 months
5X points on travel booked through Chase Travel℠
3X points on dining, select streaming services and online grocery purchases
2X points on all other travel
1X point on all other purchases
$50 annual hotel credit through Chase Travel℠
10% anniversary points boost on prior year’s spend
No foreign transaction fees
$95 annual fee

Make every trip count with flexible redemption options—transfer points 1:1 to top airline and hotel partners or boost their value when booking through Chase. Enjoy built‑in travel protections like trip cancellation/interruption insurance, primary rental car coverage and lost luggage reimbursement, plus seamless account management via the Chase mobile app. Whether you’re a frequent flyer or planning your next getaway, the Chase Sapphire Preferred^® delivers premium perks at an approachable price.

Terms apply. Bonus offer requires minimum spend. Annual fee applies. See Chase for full details.

Chase Sapphire Reserve®

Experience Luxury Travel with the Chase Sapphire Reserve^® Credit Card

100,000 bonus points + $500 travel credit after $5,000 in purchases in the first 3 months
8X points on travel booked through Chase Travel℠; 4X points on direct airline and hotel bookings
3X points on dining and eligible delivery services; 1X point on all other purchases
$300 annual travel credit automatically applied to travel purchases
Complimentary lounge access with Priority Pass™ Select and Chase Sapphire Lounges for you +2 guests
Up to $300 in annual credits for dining at Exclusive Tables and stays with The Edit
$120 Global Entry/TSA PreCheck^® credit every four years
No foreign transaction fees
$795 annual fee

From premium lounge retreats to robust trip protections—cancellation, interruption, auto rental and baggage insurance—this card lets you travel with confidence. Manage your account seamlessly in the Chase app, tap to pay with contactless security, and let automatic credits offset the annual fee for high‑value perks all year long.

Terms apply. See issuer for complete details and eligibility.

Chase Freedom Unlimited®

Supercharge Every Purchase with the Chase Freedom Unlimited^® Credit Card

$200 bonus after you spend $500 on purchases in your first 3 months
0% intro APR on purchases and balance transfers for 15 months
5% cash back on travel booked through Chase Ultimate Rewards^®
3% cash back on dining (including takeout & delivery) and drugstore purchases
2% cash back on Lyft rides through September 2027
1.5% cash back on all other purchases
No annual fee

Manage your card seamlessly in the Chase Mobile^® app, track your Ultimate Rewards^® points in real time, and redeem them instantly as statement credits or toward travel, gift cards and more. With flexible bonus categories and effortless redemptions, Freedom Unlimited^® is your go‑to for maximizing everyday rewards.

Terms apply. 3% foreign transaction fee. See issuer’s website for complete rates and fees.

Chase Freedom Flex®

Earn Flexibility & Rewards with the Chase Freedom Flex^® Credit Card

$200 bonus after $500 in purchases in the first 3 months
5% cash back on up to $1,500 in combined spending each quarter in rotating categories (activation required)
5% cash back on travel booked through Chase Ultimate Rewards^®
3% cash back on dining, including takeout and delivery
3% cash back on drugstore purchases
2% cash back on Lyft rides through September 2027
1% cash back on all other purchases
0% intro APR on purchases and balance transfers for 15 billing cycles
No annual fee (3% foreign transaction fee)

Take control of your rewards by activating quarterly categories that match your spending—whether groceries, gas or streaming services—and enjoy broad bonus rates on travel, dining and more. With no annual fee, seamless mobile management and built‑in protections like purchase protection and extended warranty, the Freedom Flex^® delivers powerful cash back on every dollar.

Terms apply. See issuer for details.

Chase Ultimate Rewards Business Cards

Sapphire Reserve for Business℠

Elevate Your Business Travel with the Chase Sapphire Reserve^® Business Card

80,000 bonus points after $5,000 in purchases within your first 3 months
3× points on travel and dining
1.5× points on all other purchases
$300 annual travel credit—automatically applied to any travel purchase
$120 Global Entry/TSA PreCheck^® credit every four years
Unlimited lounge access through Priority Pass™ Select and the Chase Sapphire Lounges ℠
No foreign transaction fees
$550 annual fee

Designed for small‑business owners who demand premium perks, the Sapphire Reserve^® Business card turbocharges your points on every trip and meal, then offsets its cost with robust travel credits. Manage employee cards at no extra cost, pool rewards instantly, and tap into concierge service and enhanced trip protections—trip cancellation, baggage delay and more—to keep your team moving smoothly. Redeem your points flexibly for flights, hotels, transfers to leading airline and hotel partners, or statement credits against any purchase.

Terms apply. Bonus requires qualifying spend. Travel credit applies on travel-related charges. Credits and benefits require enrollment where applicable. See issuer for complete details.

Ink Business Preferred® Credit Card

Maximize Business Travel Rewards with the Chase Ink Business Preferred^® Credit Card

90,000 bonus points after spending $8,000 in the first 3 months
3X points per $1 on the first $150,000 spent on travel and select business categories annually
1X point per $1 on all other purchases
1:1 transfers to leading airline and hotel loyalty programs
Primary rental car coverage and trip cancellation/interruption protection
$95 annual fee
No foreign transaction fees

Reward everyday business spend—from shipping and advertising to telecom and travel—with elevated earning rates and seamless redemptions. Combine points across your Chase portfolio, redeem them for 1.25¢ each toward travel booked through Chase Travel℠, or transfer them to more than a dozen top loyalty partners. Stay in control with an intuitive dashboard, real‑time alerts and powerful digital tools built for busy entrepreneurs.

Terms apply. Bonus points require $8,000 spend in 3 months. Rewards cap at 150,000 bonus-category points per anniversary year. See issuer for full details.

Ink Business Unlimited® Credit Card

Power Your Business with the Chase Ink Business Unlimited℠ Credit Card

$750 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening
1.5% unlimited cash back on every purchase, with no caps or category tracking
0% intro APR on purchases for 12 months to finance big expenses interest‑free
No annual fee and free employee cards with customizable spending limits
3% foreign transaction fee on purchases made abroad

Whether you’re stocking inventory, paying vendors or covering travel costs, earn a flat 1.5% back on every dollar without the hassle of bonus categories. Enjoy a generous welcome offer, a long 0% APR period to smooth out cash flow, and seamless account management in the Chase Mobile^® app. Combine your cash back with other Chase business cards to boost your rewards earning even further.

Terms apply. Bonus cash back awarded after meeting the spend requirement. Regular APR applies after intro period. See issuer’s site for full details.

Ink Business Cash® Credit Card

Drive Your Cash Flow with the Chase Ink Business Cash^® Credit Card

Up to $750 cash back — earn $350 after $3,000 spent in the first 3 months and $400 more after $6,000 in the first 6 months
5% cash back on the first $25,000 per year at office supply stores and on internet, cable & phone services
2% cash back on the first $25,000 per year at gas stations and restaurants
1% cash back on all other purchases
0% intro APR for 12 months on purchases & balance transfers
No annual fee

Turn everyday business expenses into powerful rewards—whether you’re ordering supplies, managing telecom bills or fueling your fleet. Redeem cash back for statement credits, gift cards or travel through Chase Ultimate Rewards^®, all tracked in real time via the Chase mobile app. Enjoy employee cards, spending controls and seamless digital tools that keep your business running smoothly.

Terms apply. Bonus earned in two parts; spending caps apply after limits. 0% intro APR for 12 months on purchases & balance transfers; 3% foreign transaction fee; see full terms for details.

FAQs About Chase Ultimate Rewards Credit Cards

What makes Ultimate Rewards points valuable?

Chase Ultimate Rewards points are flexible and highly redeemable. You can transfer them to airline and hotel partners, book travel through Chase’s portal at elevated rates, or use them for cash back and gift cards—making them a top-tier rewards currency.

Which Chase cards earn Ultimate Rewards?

Several Chase cards earn Ultimate Rewards points, including the Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, and Ink Business Unlimited. Each offers earning opportunities in categories like travel, dining, office supplies, and advertising.

Can I combine Ultimate Rewards points between cards?

Yes—when both cards are in the same Chase household. You can transfer points between cards to consolidate and take full advantage of elite redemption options, such as booking through the portal at higher values or transferring to partners.

How do I redeem Ultimate Rewards points?

You can redeem points for travel via the Chase portal, transfer them to hotel and airline partners, request cash back, purchase gift cards, or pay off purchases. Each option offers different redemption values, depending on the card you hold.

Are there caps on earning or redeeming points?

No, there are no caps on how many points you can earn or redeem. You’ll continue to accumulate points on every purchase, and the redemption options remain flexible without limits on usage.

Which card should I pair with my Sapphire card?

Pairing a premium Sapphire card with a no-annual-fee Ink Business Unlimited or Freedom Flex can enhance your earnings. You can pool points and unlock valuable redemptions—earning flat-rate rewards on business or everyday purchases.

Is it worth paying an annual fee for the Chase Sapphire Reserve?

Yes, if you make the most of perks like $300 annual travel credit, Priority Pass lounges, and a higher redemption rate in the travel portal. For frequent travelers, the value can easily outweigh the fee.