Chase Ultimate Rewards

Chase Ultimate Rewards is a flexible and valuable credit card rewards program that lets cardholders earn points on everyday purchases and redeem them for a variety of rewards. This program stands out for its versatility and potential for high-value redemptions, especially when transferring points to travel partners.

Chase Ultimate Rewards overview

Chase Ultimate Rewards is a premier rewards program offered by Chase Bank. It’s designed to provide cardholders with a flexible and valuable way to earn and redeem points.

Here are a few key features of the rewards program:

It’s no wonder why Chase Ultimate Rewards is one of the most sought-after loyalty programs in the credit card landscape.

How to earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points through various strategies. Here are the primary methods to accumulate these valuable points.

Credit cards that earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points with these Chase 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

• 125,000 bonus points after $6,000 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.

Business cards that earn Chase Ultimate Rewards points:

You can earn Chase Ultimate Rewards points with these Chase 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.

Only the premium cards (those with an annual fee) allow direct transfers to travel partners. 

However, you can combine points from other cards with these premium cards. For example, you could transfer points from your Freedom Flex to your Sapphire Preferred. This strategy allows you to:

By using this method, you can significantly boost your overall point earnings and redemption value.

Please be aware of the Chase 5/24 rule before applying for Chase Credit Cards.

Leverage bonus categories

Many Chase credit cards feature bonus categories that allow cardholders to earn extra points on certain types of purchases. For instance, the Chase Sapphire Preferred earns 5 points per dollar on travel booked through the Chase Travel portal and 3 points per dollar on dining at restaurants. By focusing your spending on these categories, you can significantly boost your points earnings.

Maximize rotating categories

If you have a Chase Freedom Flex card, you can take advantage of its quarterly rotating categories that offer 5% cash back (or 5 points per dollar) on up to $1,500 in combined purchases. Each quarter features different categories, such as groceries, gas stations or online shopping. If you’re willing to put in some extra effort, strategically planning your spending can maximize your rewards.

Everyday purchases

Finally, don’t forget that using your Chase card for everyday purchases — such as groceries, gas, and dining — will also help you earn points. Chase’s cards that earn Ultimate Rewards points offer at least 1 point per dollar spent on all purchases, so consistently using your card can add up over time.

How to redeem Chase Ultimate Rewards points

Redeeming your Chase Ultimate Rewards points is a straightforward process that can be done through the Chase website or mobile app.

Here’s a closer look at how to use your points.

Chase Travel portal

This is one of the most popular ways to redeem points with a solid return and generally minimal effort. In the Chase Travel portal, you can use your points to book flights, hotels, rental cars and experiences. If you hold the Chase Sapphire Reserve card, you’ll enjoy an enhanced redemption value of 1.5 cents per point when booking travel. For those with the Sapphire Preferred or Ink Business Preferred cards, the value is slightly lower at 1.25 cents per point.

You can choose how many points to use when booking travel. For example, if you’re a Chase Sapphire Reserve cardholder booking a $500 flight and have 15,000 Ultimate Rewards points, those points are worth $225. You can apply your points toward the cost of the flight and pay the remaining $375 with your credit card.

Chase transfer partners

For many savvy travelers, transferring points to airline and hotel partners is where the real value lies. Chase Ultimate Rewards allows you to transfer points in 1,000 point increments to 11 airline and 3 hotel partners (most at a 1:1 ratio), including popular programs like United MileagePlus, Southwest Rapid Rewards and World of Hyatt. This method often provides the highest redemption value, especially for premium cabin flights or luxury hotel stays. The main exception is World of Hyatt: for new cardholders as of June 15, 2026 (and existing cardholders on October 1, 2026), the Chase Sapphire Preferred and Ink Business Preferred transfer to Hyatt at a 4:3 ratio, while the Chase Sapphire Reserve and Sapphire Reserve for Business keep the 1:1 ratio.

Here’s the full list of airline transfer partners:

And here are the three hotel transfer partners:

Other ways to use Ultimate Rewards points

Here’s a quick look at some other ways to use Chase points. In general, these provide a subpar redemption:

Maximizing Ultimate Rewards points 

Chase Ultimate Rewards sweet spots

Chase Ultimate Rewards points offer several high-value redemption opportunities when you transfer your points to partner programs. Here are some of our favorite sweet spots to maximize your points:

And as mentioned, Chase frequently offers transfer bonuses between 10% and 40%, which can stretch your points even further. 

By strategically using transfer partners, you can significantly increase the value of your Chase Ultimate Rewards points and unlock incredible deals.

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Bottom line

Chase Ultimate Rewards is a powerful program that offers incredible value for cardholders. By strategically earning and redeeming points, especially through transfer partners, you can maximize your rewards for great travel experiences. The program’s flexibility and ease of use make it an excellent choice for both casual spenders and travel enthusiasts alike.

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