Savvy consumers and travelers worldwide take advantage of the Chase Ultimate Rewards program to earn and redeem cash-valued points simply by making everyday purchases.
Use Chase credit cards to make your daily purchases, and you’ll automatically earn points, including huge sign-up bonuses of up to 60,000 points that can be used as currency towards all of your shopping and travel needs.
Navigating the world of travel rewards can be daunting for both new and experienced consumers. Follow these instructions to learn how to earn and redeem Chase points.
Table of contents
- What is Chase Ultimate Rewards?
- How to Earn Chase Rewards Points
- How to Redeem Chase Ultimate Rewards Points
- Chase Ultimate Rewards Vs. American Express Membership Rewards
- Conclusion: The Chase Portal is a Solid Option
Table of Contents
- What is Chase Ultimate Rewards?
- How to Earn Chase Rewards Points
- How to Redeem Chase Ultimate Rewards Points
- Chase Ultimate Rewards Vs. American Express Membership Rewards
- Conclusion: The Chase Portal is a Solid Option
What is Chase Ultimate Rewards?
“Chase UR”, is a loyalty program that rewards customers for using Chase credit cards.
By utilizing certain cards, you automatically earn points that can be used for a wide range of products and services including travel, hotels, dining, food, internet, mobile, gas, transportation, even office supplies!
Signing up is easy. As soon as you are approved for one or more cards, you are automatically enrolled in the program. You’ll start earning points the minute you sign up and begin spending on your everyday purchases.
The number of points you earn depends on the category of the expense; each card earns differently across its categories.
Most general category cards earn a flat 1x points, with exclusive offers in specialty categories. Multiple cards help you maximize your earnings potential.
How to Sign in to Your Reward Account
To manage your account, simply sign in using your Chase login:
From the login screen, click on “Ultimate Rewards”, which is found on the left sidebar in the new website design.
Alternatively, instead of the above two steps you can go to the specific Chase Ultimate Rewards login:
Once you log in, select the card you want to view and you’ll be directed to the home page for that card.
Home Page – View Your Points Summaries
The home page screen of any of your credit cards lets you view your earned and available points, your transaction details, and which points will appear on your next statement.
You will also find information on how to use your available points and how to earn more points.
Earn and use points with a variety of online shopping and gift card options:
Earn and use points with a variety of local and national shopping options:
Or, use your points to find things to do in your area:
How to Check Your Chase Credit Card Category Bonus Spend
With Chase’s new dashboard in Ultimate Rewards, it’s easy to check the bonus category spend on Chase credit cards.
Simply sign in to your Ultimate Rewards page for whichever card you want to check, and check out your dashboard. The right hand column will have data for your current spending on your cards.
Switching Between Cards
If you want to view information associated with another card, simply click on the card from the dropdown menu on the top right.
Create up to nine Chase Travel Profiles for instant access to Chase rewards and easy booking:
Combining Your Points onto One Card
From this main screen, you can also combine all of your points onto one card. Your points will need to be combined under the Chase Sapphire Preferred® Card, Chase Sapphire Reserve℠ Card or Ink Business Preferred℠ Credit Card to use the travel rewards.
Select “Combine Points” from the upper right menu under your total points, and you will be guided through the process.
Hot Tip: If you are thinking about closing one of your Chase cards, be sure to spend any outstanding points or transfer them to another card beforehand to avoid losing them forever. Alternately, call customer service and ask them to downgrade the card to a no annual fee option.
What are Chase Rewards Points Worth?
Chase follows the industry standard when points are used for basic redemption. In this case, each point is worth $0.01.
However, when you use your cards to redeem travel rewards via the Chase travel portal, the value of each point increases to a minimum of $0.0125.
When you transfer points to any Chase reward travel partners, the redemption value of each point typically increases to a minimum of $0.02 or higher.
For example, some redemptions are valued up to $0.05-$0.08 per point for international First and Business Class options.
Ultimate Rewards Points Expiration
Unlike standard rewards programs that cancel your points if your accounts are inactive for 6-18 months, your Chase rewards points never expire, as long as your accounts are open and in good standing.
To avoid losing the points you’ve earned on one card, make sure to transfer the points to another card first before closing your account.
Once you cancel or lose your account, the points are forever lost.
You can also downgrade your card to a no annual fee Chase card.
Downgrade a Ink Business Preferred℠ Credit Card to a Chase Ink Business Cash℠ Credit Card or downgrade a Chase Sapphire Preferred® Card to a Chase Freedom® or Chase Freedom Unlimited℠.
How to Earn Chase Rewards Points
You can earn Chase Rewards points in many ways. To open an Ultimate Rewards account, you must have at least one Chase card that belongs to the Ultimate Rewards family.
Easily apply online for one of six Ultimate Rewards cards including:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve℠ Card
- Chase Freedom®
- Chase Freedom Unlimited℠
- Ink Business Preferred℠ Credit Card
- Chase Ink Business Cash℠ Credit Card
For a quick guide, check out how to earn 100k Chase points in 90 days!
How to Earn Ultimate Rewards Points With Your Credit Cards
Earning points with Chase reward credit cards is easy. You will earn points via spending or sign-up bonus (typically the most valuable offer).
The number of points you earn depends both on the business category and whether you make in-store purchases or buy online via the Chase portal.
Utilizing a combination of cards maximizes your category and earnings potential, so a great strategy for earning points is to use more than one card.
Start with a travel rewards card to take advantage of the Chase UR program.
Below is a list of categories included in the Chase Ultimate Rewards program to see if collecting points in the program is worth it for you.
Note that not all categories are available on all cards. Which card is right for you will depend on your spending habits.
- Rotating Quarterly Categories* – 5x points
- Supermarkets / Grocery Stores
- Wholesale Clubs
- Local Transportation
- Gas Stations
- Holiday Shopping
- Dining – 2x points
- Gas Stations – 2x points
- Travel (including airlines, hotels, taxies, etc.) – 2x points
- Office Supply Stores – 5x points
- Cell Phones and Landlines – 5x points
- Internet and Cable – 5x points
- Everything – 1.5x points
*Subject to yearly review and all categories may not be available at the same time
Hot Tip: Use this list to determine where you can get the most bang for your buck! Sign up for a card that makes the most sense based on your personal spending habits. See our Beginner’s Guide for more information.
Earning through Sign-Up Bonuses
Most Chase credit cards come with a sign-up bonus. You can earn between 15,000 and 100,000 points simply by opening an account and acquiring a new card (depending on the current offers). Targeted offers enable you to earn even more bonus points.
You are eligible for the bonus points once you spend between $500 and $5,000 within three months of opening your account, depending on the card using the card to make daily purchases makes it easy to reach these targets. This also depends on the current offers.
Once you meet the minimum spending requirements, allow six to eight weeks for the bonus points to post to your account.
Hot Tip: You can sign up for most cards under both your name and your business name, allowing you to get the sign up bonus twice for each card.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is the most popular Chase flexible rewards credit card offering earnings of 1-2x points.
Earn 2x points on all your travel and dining related expenses including flights, hotels, transportation, sightseeing and so on. This category unfortunately does not cover gas expenses.
Dining includes all restaurants and dining establishments, including bars, but does not cover other food-related expenses such as supermarket and grocery store purchases.
Earn 1x points on all other purchases. The Chase Sapphire Preferred® Card has an annual fee of $95, which is typically waived during the first year.
Chase Sapphire Reserve℠ Card
The Chase Sapphire Reserve℠ Card is the new premium, luxury travel version of the Chase Sapphire Preferred Card. It earns 3x points in travel and dining, and 1x points everywhere else.
It also comes with a wide range of benefits such as Lounge Access, a $300 travel credit, a $100 Global Entry Fee credit, and more.
Because this is a premium card, it costs $450 per year. Consider this Chase’s answer to The Platinum Card® from American Express.
Rotating each quarter, you will earn 5% cash-back on up to up to $1,500 in spending in a variety of categories.
The cash-back calendar changes each year, but typically covers categories like supermarkets/grocery stores, transportation, gas stations, holiday shopping, and restaurants.
Each year, they also have specialty categories that go along with them. For instance, 2016 introduced wholesale clubs during the same quarter as restaurants, offering big savings on all food purchases.
Last year, Amazon.com was on the 5% cash-back list for the holiday quarter, and it is expected it will again with the fact that Chase and Amazon now have a direct partnership.
The Chase Freedom® earns unlimited 1% cash-back on all other purchases, and has no annual fee.
Chase Freedom Unlimited℠
In 2016, the new Chase Freedom Unlimited℠ was released for the first time. It’s bonus category fills a previous gap in Chase’s card line-up: unlimited cash-back at a flat rate of 1.5%.
This is a great value, and a category that was painfully absent from the range of cards before.
This is a simple card with not much else to explain; it is a great card to use whenever you would only earn 1x points on any of the other cards.
There is no annual fee for the Chase Freedom Unlimited℠.
Ink Business Preferred℠ Credit Card
The Ink Business Preferred℠ Credit Card is similar to the Chase Sapphire Preferred® Card or Chase Sapphire Reserve℠ Card, but the card is tailored for business owners.
It carries the same travel rewards benefits of the Chase Sapphire Preferred® Card at the same annual fee, except the fee is not waived the first year.
The Ink Business Preferred℠ Credit Card earns 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. The Ink Business Preferred℠ Credit Card has an annual fee of $95.
Chase Ink Business Cash℠ Credit Card
The card earns 1-5% cash-back, similar to the Ink Business Preferred℠ Credit Card. In fact, all bonus categories are the same, except it earns 2% cash-back on gas stations instead of hotels.
Rewards are capped at $20,000 in yearly spending for each of the bonus categories. In other words, a $20k limit is applied independently to the 2% and the 5% cash-back categories.
This is a great card for new business owners, offering cash-back bonuses in many categories with no annual fee. It also carries a 0% intro APR so that you can float some cash as you start your business.
Using Chase Ultimate Rewards Cards: Additional Tips
The Chase Sapphire Preferred® Card earns in the broad and popular categories of travel and dining, and usually has a good sign up bonus. It is a great starter for many people.
For a second card, consider the Chase Freedom® or Chase Freedom Unlimited℠. The Chase Freedom® offers additional 5% bonus categories, while the Chase Freedom Unlimited℠ offers 1.5% cash-back for all purchases.
Next, choose the Chase Ink Business Cash℠ Credit Card or Ink Business Preferred℠ Credit Card to pay for cell phone, cable and internet services — a great value even for small businesses.
Hot Tip: Make sure to follow proper credit building strategies when opening cards. You’ll get better credit scores which means better future offers and lower interest rates. Overall, a great way to ensure financial success in the future!
The Chase Ink Business Cash℠ Credit Card covers the gas station category, which is perfect for people who often travel by car. The Chase Freedom® also offers earnings at gas stations during the applicable 5% bonus quarter.
Consider adding the Ink Business Preferred℠ Credit Card if you’re a growing business and have hit the $20,000 cap using the Chase Ink Business Cash℠ Credit Card. You can get a great sign up bonus on the card as well.
Remember that you can usually open cards using both your personal name and business name, which allows you to take advantage of two sign up bonuses.
Earning Rewards Points Using the Chase Shopping Portal
Earn the most points per dollar by shopping at the Chase rewards mall. Choose from more than 240 stores with unlimited earnings of 1-6x bonus points just for shopping online!
The bonus points you can earn are on top of any bonus categories on one of the Chase UR cards.
For instance, Staples offers a bonus of 2x points. If you use one of your Chase business cards, you would earn 5x points based on the office supply category plus 2x bonus points for shopping at Staples for a total of 7x points.
All other cards would earn 3x total points on this purchase.
You can also maximize earnings by using the Chase Freedom® in department stores when they are included in the 5% quarterly category plus any bonus points offered in the Chase Ultimate Rewards mall.
Using the Chase Freedom Unlimited℠ is a smart choice for all other purchases that don’t include a category bonus since it earns a flat 1.5% cash-back.
Be aware that you must use the link provided in the shopping portal and make your purchases during the same visit in order to receive these points. There are also restrictions on using coupons and other types of deals.
The following is a table of available partner stores in the Chase shopping portal and their bonus earnings. The list is not exhaustive and is subject to change.
|1x Bonus Partners|
|Babies R Us||Victoria’s Secret||Bath & Body Works|
|Toys R Us||Adidas||Rakuten|
|CB2||Crate & Barrel||Best Buy|
|2x Bonus Partners|
|Walmart||Dell Small Business||Timberland|
|The Limited||J. Crew||The Children’s Place|
|Bed, Bath & Beyond||West Elm||Starbuks Store|
|3x Bonus Partners|
|Estee Lauder||Ultra Beauty||Sears|
|Tire Rack||Macys||Microsoft Store|
|4x Bonus Partners|
|Laura Mercier||Lab Series Skincare for Men||Road Runner Sports|
|Lids||Bergdorf Goodman||World Market|
|Musician’s Friend||GNC||Motherhood Maternity|
|5x Bonus Partners|
|Life is Good||Travelsmith||Saks|
|New Balance||Nike||Finish Line|
|Tommy Hilfiger||Columbia Sportswear||Sonos|
|Under Armour||Perfumania||North Face|
|6x Bonus Partners|
|Jos. A. Bank||Shoeybuy.com||Neiman Marcus|
|Omaha Steaks||Sally Beauty||SkinStore.com|
|7-25x Bonus Partners|
|VisionDirect (7x)||eBags.com (8x)||Murad Skin Care (8x)|
|NutriSystem (8x)||Cheryl’s (8x)||Rosetta Stone (8x)|
|Popcorn Factory (8x)||Virgin Wines (8x)||H&R Block (9x)|
|FTD.com (10x)||ProPlants (10x)||Restaurant.com (12x)|
|123inkjets.com (15x)||Proactiv+ (25x)||Magazines.com (25x)|
*A non-exhaustive list of partners in the Chase Shopping Portal (note: partner deals may be out of date)
Hot Tip: Worried about getting the best price? The Price Protection benefit on your card guarantees you receive the lowest price on purchases within 90 days!
Earn Points by Booking Through the Chase Travel Portal
Use the Chase travel portal to book flights, hotels, cars, and activities through the Chase travel portal.
Booking travel-related activities through the Ultimate Rewards travel portal lets you earn at the same rate as your cards.
Prior to 2016, Chase offered a bonus point for each dollar spent, but this is no longer available.
This means 2x points on the Chase Sapphire Preferred® Card, and 1x points on all other Chase Rewards cards. You will earn 2x points when booking hotels using the Ink Business Preferred℠ Credit Card.
To ensure you get the best price when searching for airfare in the Chase rewards travel tool, make sure to compare it to at least two other site’s results before booking.
Without the extra point earned, it actually makes no difference if you book through the tool or another travel site.
One advantage of booking through the portal is that your loyalty program information can be stored in the system and you’ll automatically earn miles when you book. It’s as if Chase buys the ticket on your behalf.
Remember that you can input all your travel information into your profile, so if you are using the tool frequently you won’t need to re-input that information each time.
Chase also offers an “Explore” feature that suggests travel options.
Earn Points by Referring a Friend
We all like to share things we like with our friends, but its even better to get a reward for it!
You can earn between 5,000 and 10,000 points simply by referring a friend to a Chase rewards card, with a maximum of 50,000 points in yearly earnings from referrals.
To find your referral link, go to chasereferafriend.com. You will be directed to the following screen:
Just input your details to see if your card has available referrals. Each card must be inputted separately. Here is a referral page example:
If you have difficulty with the referral link, call customer service.
Hot Tip: Send your friends the referral link via email and encourage them to get started to earn your bonus points!
How to Redeem Chase Ultimate Rewards Points
How you use your points depends on the cards that you have. How you redeem your points depends on your card type.
- Travel Rewards Cards (Chase Sapphire Preferred® Card, Ink Business Preferred℠ Credit Card, Chase Sapphire Reserve℠ Card), and
- Cash-Back Cards (Chase Freedom®, Chase Freedom Unlimited℠, Chase Ink Business Cash℠ Credit Card)
Here we list all the ways you can utilize your rewards, but if you’re looking for specific travel redemption options, see our article on redeeming Chase points for travel!
Redemption Options for All Chase Cards (Reward Travel and Cash-Back)
All cards have four basic redemption options. Each Chase flexible rewards redemption in these categories offer the standard redemption amount of $0.01, with higher value in specific areas.
Option 1: Cash-Back as Statement Credit or Direct Deposit
Chase lets you use your points as credits on your statement at $0.01 per point. Simply transfer your cash-back earnings to your balance as statement credit.
To redeem for statement credit, click the “Use Points” option on the Ultimate Rewards home screen, and then click “Get Cash Back”. The minimum redemption amount is $20.00, or 2,000 points.
From the same screen, you can also make a direct deposit into your bank account.
Click the “Select an Account” drop down at the bottom of the page. Keep in mind that direct deposits may be considered income and require you to report it to the IRS.
Option 2: Gift Cards
You can redeem your cash-back earnings for gift cards to places where you normally shop such as iTunes, Lowe’s and more.
Most options are valued at $0.01 per point. However, some gift cards offer a better value. For instance, Kohl’s gift cards are offered at a 10% discount, or $0.011 per point.
Redeem for gift cards when you can get them at a greater value than $0.01 and you would only earn 1% cash-back while shopping there otherwise.
Option 3: Shopping Rewards through Amazon.com
Chase UR now partners directly with Amazon.com for merchandise redemptions. This means you can shop directly on Amazon’s website, rather than go through the Chase shopping portal.
Before September 1st, 2016, your Chase points were valued at $0.01 per point on Amazon and were debited upon shipment of the product.
Now, 125 points is worth $1 for a value of $0.008 per point, which is a bit lower of a value. You can also combine your points with cash or other payment methods.
Amazon also gives you the option to link your Chase and Amazon accounts at any time, including at the time of checkout.
Option 4: Chase Travel Rewards
While they are not technically travel rewards cards, you can still use cash-back earnings from your Chase Freedom®, Chase Freedom Unlimited℠, and Chase Ink Business Cash℠ Credit Card when you book flights, hotels, cars, and other activities.
The caveat is that the value of these points is still $0.01 per point.
The Chase travel portal works the same whether booking rewards or booking with cash. At the time of your purchase, Chase gives you the option to use your points to offset any portion of the ticket you want with points.
Redemption Options for Travel Rewards Cards from Chase
Having the Ink Business Preferred℠ Credit Card, Chase Sapphire Preferred® Card, and Chase Sapphire Reserve℠ Card offer you additional options for redeeming points.
Expanded Travel Rewards Options
While you can still book reward travel using the cash-back cards, the above 3 credit cards let you use your points for travel expenses at an additional 20% off (50% for the Sapphire Reserve).
This increases the value of your points to $0.0125 each. Simply combine the points from your other cards to the travel rewards card you want to use for booking (see the Combining Points section).
Once you’ve combined your points, select that travel rewards card and use the travel booking tool to get the 20% discount, which is automatically added.
You will see “your xx,xxx points are worth $yyy”, and the dollar amount will be greater than the typical $0.01 per point value.
Chase Transfer Partners – Airlines and Hotels
Using points for airline and hotel rewards will earn you the highest value for your points and requires that you transfer points from your Ultimate Rewards account to one of the transfer partners.
To transfer points, hover over the “Use Points” menu and select “Transfer to Travel Partners”.
This brings you to the following screen (image below) where you’ll select the loyalty program and the amount of points to transfer.
You will need the login details of your desired loyalty account (or will need to create one).
The information in your travel profile must match the personal information in your desired loyalty account. You cannot transfer points to accounts of other persons.
The only exception is if you have an authorized user on your account; you can add them as the only other authorized person to transfer to.
The transfer, like all point transactions, can take up to 6-8 weeks. However, it typically completes within a week. You must transfer a minimum of 1,000 points, and can only transfer in 1,000 point increments.
Once completed, points cannot be transferred back into Chase UR.
Chase Airline Transfer Partners
|Chase Transfer Partners (Airline)||Transfer Ratio||Transfer Time|
|Singapore Airlines KrisFlyer||1:1||Almost Instant|
|United Airlines MileagePlus||1:1||Almost Instant|
|Southwest Airlines Rapid Rewards||1:1||Almost Instant|
|Korean Air SKYPASS||1:1||Almost Instant|
|Virgin Atlantic Flying Club||1:1||Almost Instant|
|British Airways Executive Club||1:1||Almost Instant|
|Flying Blue AirFrance / KLM||1:1||Almost Instant|
When you sign in to transfer points, you’ll get the following screen:
Chase Hotel Transfer Partners
|Chase Transfer Partner (Hotel)||Transfer Ratio||Transfer Time|
|Marriott Rewards||1:1||2 days|
|Hyatt Gold Passport||1:1||Almost Instant|
|IHG Rewards Club||1:1||1 day|
|The Ritz-Carlton Rewards||1:1||2 days|
Again, you’ll get the following screen when you sign in to transfer points:
Chase Experience Portal
The Chase Experience option, also known as Exclusive Events, is great if you’re looking for alternative ways to use your points.
Chase curates exclusive experiences that you would likely not be able to access on your own.
Check back often for exclusive offers and redemption values as they are updated on a regular basis.
It is hard to do a true or general valuation on the Exclusive Events portal since they are unique experiences and one person may value it differently than another.
You should compare the dining offers to those offered through Restaurants.com (via the Chase shopping portal for bonus points).
You can pay for these offers with cash or points at a value of $0.01 per point.
Keep in mind that the Experience Portal is a separate domain, and once you’ve been transferred there you must manually navigate back to the Ultimate Rewards site.
You will possibly be prompted to input your login information a second time to navigate back.
Chase Ultimate Rewards Vs. American Express Membership Rewards
So, which program is better: Chase UR or American Express Membership Rewards? Each program features credit cards with reward points that can be spent in similar ways.
Both programs have their pluses and minuses. For instance, there are many more credit cards (12+) in the Membership Rewards program with which to collect American Express reward points.
Ultimate Rewards only includes 6 credit cards, but the Chase reward program has an excellent selection of cards and bonus categories.
Membership Rewards also has many more reward travel partners with 20 total. Ultimate Rewards only has 11. However, when used correctly, both cover most airlines and awards through the various alliances.
One advantage of Ultimate Rewards is the Chase UR mall. American Express no longer has a shopping portal you can use to earn additional points, although they do have American Express Offers.
Another advantage of the UR program are transfer fees. While Membership Rewards charges $0.0006 per point transferred (maximum of $99 per transaction), there are no Chase transfer fees incurred. This gives you a little edge in your redemptions!
Other Ultimate Reward account benefits include some great insurance benefits like Price Protection and travel insurance.
Both flexible reward programs are great, so which one is the best for you might just depend on your personal preference.
Conclusion: The Chase Portal is a Solid Option
When applying for Chase cards, keep in mind the 5/24 rule: you cannot be approved for more than 5 cards in a 24-month period.
Despite that, Chase’s Ultimate Rewards program is attractive for many reasons including value, ease of use, security and multiple options for earning and redeeming points.
The Ultimate Rewards is not only is it pretty to look at, it is also easy to use and high quality. Other rewards portals can be clunky and difficult.
With five cards to earn Chase Rewards points and plenty of earning and redemption options, you will certainly find value in Chase Ultimate Rewards.