Loyalty Program: Chase Ultimate Rewards

All posts
Guides
Reviews
300×185-SapphireBusiness
Business Card
Sapphire Reserve for Business℠
200,000 Points
  • Earn 3x points on travel and dining
  • No Foreign Transaction Fees
  • $300 Annual Travel Credit
Apply Now
Terms Apply See rates & fees
Learn More
  • Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there’s no competition.
  • Earn 8x points on Chase TravelSM for airline tickets, hotels (including The EditSM), car rentals, cruises, activities and tours.
  • Earn 5x total points on Lyft rides through 9/30/27.
  • Earn 4x points on flights & hotels booked direct.
  • Earn 3x points on social media & search engine advertising.
  • Up to $300 in statement credits each anniversary year on travel purchases (flexible travel credit).
  • Complimentary access to the Chase Sapphire Lounge® by The Club network and Priority PassTM Select membership (2 guests free).
  • Member FDIC
Annual Fee
  • Primary card $795
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.24 %
Earning Rate
  • Travel4Points
  • All Spending1Point
  • Groceries1Point
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Chase Ultimate Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Ink-Business-Preferred<sup>®</sup>
Business Card
Ink Business Preferred® Credit Card
90,000 Points
  • Earn 3x points on travel
  • Earn 3x points on shipping purchases
  • Cell Phone Protection
Apply Now
Terms Apply See rates & fees
Learn More
  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening (worth $900 cash back or $1,125 toward travel through Chase TravelSM).
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases.
  • Round-the-clock monitoring for unusual credit card purchases.
  • Zero Liability protection for unauthorized charges.
  • Redeem points for cash back, gift cards, travel and more—points don't expire while account open.
  • Points worth more when redeemed for travel through Chase TravelSM.
  • Purchase Protection: 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Annual Fee
  • Primary card $95
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.24 %
Earning Rate
  • Travel3Points
  • All Spending1Point
  • Groceries1Point
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Chase Ultimate Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Chase-Sapphire-Reserve<sup>®</sup>
Chase Sapphire Reserve®
100,000 Points + $500 Chase Travel℠ promo credit
  • 8X points on travel booked through Chase Travel℠
  • 3x points on Dining
  • $300 Annual Travel Credit
Apply Now
Terms Apply See rates & fees
Learn More
  • Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years.
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually.
  • Member FDIC
Annual Fee
  • Primary card $795
  • Additional card $195
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.24 %
Earning Rate
  • Travel4Points
  • Dining and Food delivery3Points
  • All Spending1Point
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Chase Ultimate Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Chase-Sapphire-Preferred<sup>®</sup>
Chase Sapphire Preferred® Card
75,000 Points
  • 5X points on travel booked through Chase Travel℠
  • 3x points on Dining
  • $50 Annual Travel Credit
Apply Now
Terms Apply See rates & fees
Learn More
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 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.
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
  • 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
Annual Fee
  • Primary card $95
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 19.99 %
Earning Rate
  • Dining and Food delivery3Points
  • Streaming services3Points
  • Travel2Points
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Chase Ultimate Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Receive our newsletter every week!

Milesopedia