20 Best Ways To Use 100,000 Chase Ultimate Rewards for Max Value

Those who have Chase credit cards that earn Ultimate Rewards points have the option to redeem their points at a fixed rate for a variety of rewards, or they can transfer points to an airline or hotel travel partner.

One of the best ways to receive the most value from your Chase Ultimate Rewards points is to transfer them directly to airlines or hotels.

Below, we’ll go over some of the best ways to maximize the value of 100,000 Chase Ultimate Rewards points.

Transferring Chase Ultimate Rewards Points to Travel Partners

Chase provides 2 ways to redeem its points for travel:

• Redeem points directly (at a fixed rate) for flights, hotels, cars, activities, or cruises through the Chase travel portal
• Transfer points to airline or hotel partners, like United MileagePlus or World of Hyatt

There are various personal and business Chase credit cards that earn Ultimate Rewards points.

Recommended Chase Cards (Personal)

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Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

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Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.74% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

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Card Highlights

• 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

Financial Snapshot

• APR: 19.74% - 27.99% Variable
• Foreign Transaction Fees: None

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Chase Ultimate Rewards

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Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

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Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

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Card Highlights

• Earn 125,000 bonus points after you spend $6,000 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 Pass™ 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

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

If you’re a business owner, see our list of the best Chase business credit cards.

Chase Transfer Partners

There are 13 Chase transfer partners, including 10 airline partners:

And 3 hotel partners:

20 Best Ways To Use 100,000 Chase Ultimate Rewards

As with many other transferable point programs, you receive the most value for your points when transferring them to an airline or hotel partner (rather than booking directly through the Chase travel portal).

Generally, you’ll get the most value from your points when redeeming for them long-haul flights in premium cabins.

This post explains some of the best ways to use Chase Ultimate Rewards across their airline and hotel partners.

1. Book Singapore First Class From New York to Frankfurt (Singapore Airlines)

One of the best ways to use 100,000 Chase points for luxury travel is to book Singapore Suites on one of Singapore Airlines’s best fifth-freedom routes:

• New York (JFK) – Frankfurt (FRA)

Currently, if you find Saver-level availability, one-way first class tickets can be had for 97,000 Chase points transferred to Singapore Airlines KrisFlyer. Taxes and fees will be around $5.60.

In fact, this is the only first class flight you can book on Singapore Airlines to/from the U.S. for 100,000 points or less!

This flight consistently sells for at least $6,500 to revenue passengers, so you’d be getting a great redemption value of at least 6.7 cents per point here!

2. Fly Business Class From Texas or the East Coast to Europe (Singapore Airlines)

You can fly one-way from either Houston (IAH) to Manchester (MAN) or New York (JFK) to Frankfurt (FRA) in Singapore Airlines business class for as few as 88,000 Chase points transferred to Singapore KrisFlyer.

If you want to make your points go further, use 88,000 KrisFlyer miles to book a round-trip economy flight on the same routes listed above.

Hot Tip: If you need more route info before booking, we’ve produced a dedicated guide to Singapore Airlines’ U.S.-based routes!

3. Book Qatar Airways Qsuites Between the U.S. and Doha and Beyond (British Airways)

Ever since Qatar Airways started sharing the Avios currency with British Airways, Iberia, and Aer Lingus, pricing for its signature Qsuites flights has come down dramatically.

By transferring less than 100,000 Chase points to The British Airways Club, you can book ultra-long-haul business class tickets using points!

All of Qatar Airways’s flights to/from the U.S. have layovers in Doha (DOH), but you can fly onwards to India, the Maldives, Africa, and more for less than 100,000 Avios one-way.

For nonstop flights between the U.S. and Doha (DOH), you should expect to redeem 70,000 Avios + ~$100 in taxes and fees for a one-way ticket in Qsuites.

If you continue on to the Maldives, you’ll spend 105,000 Avios + ~$200 in taxes and fees.

Hot Tip: If you want to enjoy even better availability and redemption prices, convert your British Airways Avios to Qatar Airways Avios for maximum value!

4. Fly Intra-North America in Business Class (Singapore Airlines)

Premium transcontinental flights can get up there in price, particularly the closer you are to the departure date. With KrisFlyer miles, you can book these expensive flights for a relatively low number of points.

Unlike United, which charges a 10,000-mile premium each way for transcontinental flights, Singapore Airlines requires the same number of miles for all flights.

For 52,000 KrisFlyer miles, you can book a round-trip intra-North America flight in United Airlines business class. Based on a recent search, transcontinental United flights in premium cabins are generally more than $1,500.

Singapore Airlines does not show intra-North America award availability, so we recommend using United’s website to search, then calling KrisFlyer at 833-727-0118 to book the flight.

5. Fly Star Alliance to Northern South America (United)

With United dividing South America into 2 regions, the northern region provides a 25,000-mile discount compared to the southern region.

United includes Colombia, Ecuador, French Guiana, Guyana, Peru, Suriname, and Venezuela in the northern South America region. For 70,000 United miles, you can fly round-trip in business class on United or Star Alliance partners from the U.S. to these locations in South America.

If you are booking a trip as a couple or for a larger group, consider this option: with 100,000 United miles, you can book 2 round-trip economy flights on these routes, plus an additional one-way economy flight at 20,000 miles per one-way ticket.

Search for award availability on United’s website, which is also where you will book your round-trip or one-way flights. Just keep in mind that the prices we mentioned correspond to Saver fares and may not always be available.

6. Fly United to Europe in Business Class (United)

Flying to Europe is likely at the top of many U.S.-based travelers’ wish lists. With United’s MileagePlus program, you can fly there for a reasonable number of miles.

With 80,000 miles, you can fly one-way to Europe on United in business class. For an additional 8,000 miles, you can fly business class to Europe on a Star Alliance partner, such as Lufthansa or SWISS. An alternative option is to book 3 economy flights on United or Star Alliance partners for 90,000 MileagePlus miles.

7. Fly Star Alliance to Central and Southern Africa (United)

Similar to South America, United divides Africa into 2 regions: northern Africa and central and southern Africa. With Star Alliance members Ethiopian Airlines and South African Airways based in Africa, you have options to take that safari you’ve been eyeing!

For around 88,000 miles, you can fly one-way from the U.S. to Africa in business class on Ethiopian or South African Airways. Ethiopian flies nonstop from Washington, D.C. (IAD) to Addis Ababa, Ethiopia (ADD), and South African Airways flies nonstop from New York (JFK) to Johannesburg (JNB).

A more cost-effective option is to consider flying economy — for around 80,000 miles round-trip, you can fly to Africa in coach on a Star Alliance partner.

If you’re a super flexible traveler and want to book one of United’s nonstop Polaris business class tickets to Africa, you may be able to find availability on United’s site for as few as 70,000 miles + ~$6 in taxes and fees per person!

Hot Tip: As with most long-haul premium cabin redemptions, award availability to Africa will be limited. Consider using ExpertFlyer to find award availability that aligns with your travel dates. If you’re eyeing South Africa as your next destination, check out our guide to flying to South Africa on points and miles.

8. Fly United to South Asia in Economy (United)

The MileagePlus program has 4 Asian regions, with the South Asia region including countries such as Cambodia, Hong Kong, Indonesia, Malaysia, Philippines, Singapore, Thailand, and Vietnam.

United flies nonstop from San Francisco (SFO) to Hong Kong (HKG) and Singapore (SIN). You can also fly Star Alliance partner Singapore Airlines, which has nonstop flights from various cities like Los Angeles (LAX), New York (JFK), San Francisco (SFO), and Seattle (SEA) to Singapore (SIN). Some of these flights actually make the list of the longest nonstop flights in the world.

At 80,000 miles round-trip, you can fly nonstop in economy on United or Singapore Airlines to Asia.

Business class is 75,000 miles one-way on United, but award availability is usually lacking, so it may be very hard to book.

9. Fly United to Japan in Business Class (United)

One of the additional Asian regions to consider with the MileagePlus program is Japan. United includes the entire country as 1 region, similar to Mexico.

What makes this redemption impressive is that United flies nonstop from Tokyo (HND/NRT) to the following U.S. cities: Chicago (ORD), Denver (DEN), Honolulu (HNL), Houston (IAH), Los Angeles (LAX), Newark (EWR), San Francisco (SFO), and Washington, D.C. (IAD).

From 70,000 MileagePlus miles, you can book a nonstop business class flight on United to Japan. Or, you can book 3 United economy flights at 105,000 miles, where you’ll find much better award availability.

10. Fly United to Australia and New Zealand in Economy (United)

Australia and New Zealand, like Europe, are typically countries that rank high on wish lists for travelers based in the U.S.

Both Australia and New Zealand are grouped into the same region in United’s award chart. That means you can book the following flights for the same number of miles when flying United:

• Houston (IAH), Los Angeles (LAX), and San Francisco (SFO) to Sydney (SYD)
• Los Angeles (LAX) to Melbourne (MEL)
• San Francisco (SFO) to Auckland (AKL)
• San Francisco (SFO) to Brisbane (BNE)

For 80,000 miles round-trip, you can book nonstop economy flights from the U.S. to Australia or New Zealand.

Business class requires as few as 80,000 miles on United or 103,500 miles on partner Air New Zealand. However, it’s hard to come by premium award availability for these routes.

Hot Tip: For business class award availability on United or Air New Zealand, you will want to use ExpertFlyer. Even with ExpertFlyer, business class on Air New Zealand will be extremely difficult to find. 

11. Fly From the East Coast to Europe on Oneworld Partners (British Airways)

The British Airways Club uses a distance-based chart on its flights and with partner airlines. For Oneworld partner flights to Europe, most flights will be within the Zone 5 mileage of 3,001 to 4,000 miles one-way.

With premium cabins, British Airways adds hefty taxes and fees, so you will want to focus on flights operated by Oneworld partners American Airlines and Iberia.

With as few as 62,000 British Airways Avios, you can book a one-way business class flight to Europe; or you could book 4 one-way economy flights for as few as 20,750 Avios each (you may pay higher prices if you’re originating from the West Coast).

Find Oneworld award availability on the British Airways or Qantas website. The award can then be booked directly on British Airways.

Need help booking? Here’s our step-by-step guide to booking business class on American Airlines.

12. Fly From the West Coast to Hawaii (British Airways)

For many people in the U.S., Hawaii is a top destination. However, getting there can be prohibitively expensive. Using British Airways Avios for flights from the West Coast is a way to cut down on those expenses.

Flights to Hawaii from the West Coast are between 2,001 to 3,000 miles and fall within Zone 4 on The British Airways Club award chart.

For 26,000 miles round-trip, you can book economy flights on Alaska Airlines or American Airlines to Hawaii. That means 4 round-trip flights to Hawaii would cost just over 100,000 Avios!

Find American Airlines and Alaska Airlines award availability on the British Airways website and complete your booking directly there.

Hot Tip: While this is a great option for using a decent chunk of your miles, transferring to British Airways also provides great options for those flyers who don’t quite have such a large stack of rewards! Check out this piece for ideas: The Best Ways to Use 10,000 (or fewer) Chase Ultimate Rewards. 

13. Fly to North Africa on SkyTeam Partners (Flying Blue)

Flying Blue recently switched to using dynamic pricing where mileage costs are tied to the revenue cost of the flight. With these recent changes, you’ll now use the Miles Price Estimator to provide an estimate of the number of miles required for your flight.

However, you can still find great deals and book a business class flight from the U.S. to North Africa with as few as 60,000 Flying Blue miles. The route will take you through Europe on a SkyTeam partner such as Air France or KLM. Another option is to book 3 round-trip economy flights for as few as 75,000 miles.

Find SkyTeam award availability on the Air France or KLM websites (KLM has a superior user interface).

14. Fly Delta to the Caribbean in Economy (Flying Blue)

While flying Delta using Flying Blue doesn’t provide the highest value redemption, there are still good redemption options to fly to the Caribbean.

For example, you can use 15,000 miles to book a one-way flight from the mainland U.S. to the Caribbean. This low-mileage redemption is great news for family travel. You could book round-trip flights for a family of 3 for under 100,000 points!

Find Delta award availability on Delta’s website, where you’ll look at dates showing “Lowest Fare.” Next, use those dates found on Delta’s website to search for award availability on Air France or KLM, which is where you’ll book the flight.

15. Fly Delta to Europe in Economy (Virgin Atlantic)

Similar to Etihad, Virgin Atlantic Flying Club uses separate award charts for its partner airlines.

For as few as 30,000 to 35,000 Virgin Points, you can book round-trip economy flights on Delta to the U.K. during standard dates.

You can use 30,000 Virgin Points for round-trip flights from Boston (BOS), New York (JFK), or Philadelphia (PHL) to the U.K. Flying round-trip from either Atlanta (ATL), Detroit (DTW), or Minneapolis (MSP) to the U.K. requires 35,000 Virgin Points.

Keep in mind that these are standard season prices — peak prices will be higher.

Find award availability and book directly on Virgin Atlantic’s website. Remember that the award availability for Delta flights won’t be the same as you’d find on Delta’s website — to avoid false positives, keep your search on Virgin Atlantic’s website.

16. Fly ANA to Japan in Business Class (Virgin Atlantic)

When we first saw this award price in Virgin Atlantic’s ANA award chart, we did a double-take — it’s extremely competitive!

Adding to the competitive pricing is the fact that ANA flies from multiple U.S. destinations, including Chicago (ORD), Houston (IAH), Los Angeles (LAX), New York (JFK), San Francisco (SFO), Seattle (SEA), and Washington, D.C. (IAD).

With 90,000 Virgin Points, you can book nonstop round-trip ANA business class flights from the West Coast to Tokyo (HND/NRT). From the Central and Eastern U.S., you can book a round-trip nonstop business class flight for 95,000 Virgin Points.

Search for award availability on ANA’s website and call Virgin Atlantic at 800-862-8621 to book the award ticket.

17. Fly Aer Lingus to Ireland in Business Class (Aer Lingus)

Aer Lingus, like British Airways, has an off-peak structure to its award chart, which provides attractive redemption rates during certain days of the year.

Like ANA, Aer Lingus flies from several U.S. cities, including Boston (BOS), Chicago (ORD), Hartford (BDL), Los Angeles (LAX), Miami (MIA), Orlando (MCO), New York (JFK), Newark (EWR), Philadelphia (PHL), San Francisco (SFO), Seattle (SEA), and Washington, D.C. (IAD).

With 100,000 Aer Lingus Avios, you can book a round-trip business class flight to Dublin (DUB) or Shannon (SNN) from cities located in Zone 5 in the award chart during off-peak dates. This includes these routes:

• Boston (BOS) and New York (JFK) to Shannon (SNN)
• Boston (BOS), Chicago (ORD), Cleveland (CLE), Hartford (BDL), Minneapolis (MSP), New York (JFK), Newark (EWR), Philadelphia (PHL), Toronto (YYZ), and Washington, D.C. (IAD) to Dublin (DUB)
• New York (JFK) to Manchester (MAN)

You’ll find Aer Lingus award availability on the Aer Lingus website, which is also where you will book the award.

Hot Tip: For more information, check out our detailed guide to using miles and points to fly to Ireland.

18. Fly Royal Air Maroc to Morocco (Iberia)

Iberia uses separate award charts for partner airline flights, similar to Virgin Atlantic. Iberia partners with Oneworld members such as American Airlines and also non-alliance members such as Royal Air Maroc.

The award chart Iberia uses for Royal Air Maroc is determined by the total distance flown. For around 62,000 Iberia Avios, you can book a nonstop one-way flight from either New York (JFK) or Washington, D.C. (IAD) to Casablanca (CMN) in Royal Air Maroc’s business class. Flights from Miami (MIA) will cost around 77,250 Avios one-way.

You will need to call Iberia at 800-772-4642 to search for award availability and book the award ticket. You can also search for availability using the American Airlines AAdvantage website before calling Iberia to book the ticket.

19. Fly Iberia to Spain (Iberia)

The Iberia award chart has an off-peak function like Aer Lingus, which provides reduced mileage redemption options if you’re flexible with travel dates.

Iberia flights from Boston (BOS), Chicago (ORD), and New York (JFK) to Madrid (MAD) fall within Zone 5 on the award chart. For 81,000 Avios round-trip, you can fly from between the aforementioned cities in business class on Iberia during off-peak dates.

You’ll find award availability on Iberia’s website. Award availability is usually solid, especially if you’re booking far in advance.

20. Hotel Stays at Hyatt (Hyatt)

Standard awards in Category 1-4 hotels and Points+Cash hotels in the award chart will provide the most value for your World of Hyatt points.

If a premium experience makes more sense than a standard award, you can use as few as 25,000 World of Hyatt points to book luxury Category 7 hotels, like the Park Hyatt Tokyo or Park Hyatt Maldives, or even all-inclusive properties like Hyatt Ziva Cap Cana.

Need more ways to use your World of Hyatt points? Check out our guide to the best ways to redeem Hyatt points.

Hot Tip: We’ve got an entire in-depth article dedicated to the best ways to use a Hyatt Category 1-4 free night certificate — don’t miss it! 

Final Thoughts

The Chase Sapphire Reserve card, Chase Sapphire Preferred card, and Ink Business Preferred^® Credit Card all offer high welcome bonus offers, which can jump-start your way to one of these redemptions.

It’s important to research all of your options before transferring your points because reward programs can devalue over time.

Knowing where to search for award availability and how many points you’ll need will go a long way in getting you to your next destination.