Edited by: Keri Stooksbury
& Kellie Jez
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Chase Ultimate Rewards are some of the most valuable and versatile points available. The points transfer to 14 different travel partners, giving you endless opportunities to travel the world in style.
But before we talk about redeeming Chase Ultimate Rewards points, you need to earn some first. Thankfully, earning a large amount of Chase Ultimate Rewards is relatively easy, even if you’re new to the miles and points game.
Let’s take a look at how you can earn 100,000+ Chase Ultimate Rewards points in just 90 days.
As stated earlier, Chase Ultimate Rewards points are super flexible, because they can be transferred to the Chase transfer partners like Singapore Airlines, Virgin Atlantic, and World of Hyatt. You can use these points to travel the world in stylish business class seats and to stay at the most luxurious hotels.
Plus, let’s be real: the points also come in handy for funding quick jaunts around the U.S. This is especially true when you book tickets at the last minute on a business-heavy route.
Regardless of what your travel goals are, 100,000+ Chase Ultimate Rewards points can subsidize your travels and fly you just about anywhere on the globe.
First things first: to earn Chase Ultimate Rewards points, you must have a Chase credit card that earns Ultimate Rewards in your wallet. Currently, there is no way to sign up for the Chase Ultimate Rewards program without having one of those cards.
Thankfully, though, there are many different Ultimate Rewards-earning cards offered by Chase — some for individuals and some for small businesses. Each of these cards has different benefits, earning structures, and fees, so it’s good to compare each card against your personal credit needs.
Here’s a look at our recommended personal and small business cards currently offered by Chase, with their current welcome offers:
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
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.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Earn up to 5% cash-back for your business without complex bonus earning categories!
Chase has introduced the Ink Business Premier℠ Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Note that each of these cards has a different welcome offer, usually ranging from 15,000 to 100,000 Ultimate Rewards points. Simply putting the required spend on your new credit card alone could get you near — or over — the threshold of 100,000 Ultimate Rewards points.
Now that you have a set of Chase Ultimate Rewards cards and have met the minimum spending requirements, make sure you’re using the right cards for the right purchases.
For example, make sure you’re putting travel expenses on a Chase Sapphire Reserve card and put drugstore purchases or any others that don’t fall in a bonus category on a Freedom Unlimited card.
Hot Tip: Unsure of which Chase card is best for you? Read our comparison of the Chase Sapphire Reserve card and the Chase Sapphire Preferred card and our comparison of the Freedom Flex card and Freedom Unlimited card to see which would be the best fit in your wallet.
Chase Sapphire Reserve cardholders earn 3 points per dollar on travel and dining purchases. If you were to purchase a $1,000 plane ticket, you’d get a cool 3,000 points in return. However, this card earns just 1 point per dollar on all other categories.
That’s where the Freedom Unlimited card’s 1.5x points per dollar on all non-bonus purchases come into play. For example, if you buy a $1,500 washing machine for your house, you’ll earn an extra 750 points by putting it on your Freedom Unlimited card instead of your Chase Sapphire Reserve card. Plus, your Freedom Unlimited card will also earn 5x points on travel through Chase Ultimate Rewards, and 3x on dining and drugstore purchases.
Remember, this only works if you have a card that earns Ultimate Rewards points directly, such as the Chase Sapphire Preferred card.
Depending on your spending habits, using the right Chase Ultimate Rewards card can help you make serious progress toward your 100,000-point goal. This is especially true if you travel for work and can expense food, travel, and other essentials.
Another easy way to get closer to your 100,000-point goal is by paying your rent with an Ultimate Rewards card. This can help you meet the minimum spend and gives you a way to earn a set number of points every month.
Some landlords accept credit cards by default, but if yours doesn’t, consider using Plastiq. This service lets you pay almost any bill with a credit card and will simply mail a check to your landlord. Use a Freedom Unlimited card (for 1.5x points per dollar on purchases) to offset the service’s fee and earn the most points.
Need to earn Ultimate Rewards points quickly but don’t have any large purchases on the horizon? You may want to consider stocking up on gift cards for future purchases.
For example, if you know you’ll spend $100 on Uber next month, you can buy $100 in Uber gift cards through the app in advance (while still earning 3 points per dollar with a Chase Sapphire Reserve card).
Small business owners have an even sweeter deal when pre-buying gift cards. The Ink Business Cash card earns 5% cash-back on up to $25,000 in combined purchases every cardmember year in select business categories, including at office supply stores. Fortunately, retailers like Office Max and Staples sell gift cards from merchants like Amazon, Home Depot, Whole Foods, eBay, and more. This makes it easy to earn even more bonus points on upcoming business expenses.
Further, you can prepay bills with your Chase Ultimate Rewards card to earn extra points quickly. Many cell phone carriers and home utility companies support this, making it a good way to earn points in a pinch.
All cards that earn Ultimate Rewards let you add authorized users to your account. Doing this will give you an additional card linked to your Chase account under another person’s name, so they can make charges that are then billed to your primary account.
Purchases made on authorized user cards earn the same number of points as the primary cardholder’s card. If you have a Chase Sapphire Preferred card and add your spouse as an authorized user, you’ll earn 3x points per dollar on their dining and 2x points per dollar on their travel purchases.
Be cautious though: only add people who you trust to your account. Otherwise, you could be left with a huge bill and no recourse to dispute the charges. After all, the person you added as an authorized user is, indeed, authorized to charge purchases to your account.
Chase has a shopping portal that lets Chase cardholders earn bonus Ultimate Rewards points on their online purchases. The number of bonus points you’ll earn depends on the merchant you’re shopping at, and you must click through the portal link before you make a purchase. Here’s how it works:
First, log in to your Chase account and head over to the Ultimate Rewards dashboard. You can find Shop through Chase by clicking on the Earn Bonus Points tab at the top of the screen.
Then, search for your merchant of choice and you’ll see how many bonus points you’ll earn below the shop’s name. Simply click on the merchant’s icon and you’ll be brought to its respective online store where you can make your purchase as normal.
The bonus points will usually be credited to your account in 3 to 5 days, although some merchants take longer. Note that the bonus points earned are in addition to the points earned with your credit card. So if you purchase a $700 laptop from Staples with your Ink Business Cash card, you’ll earn bonus points in addition to the 5 points per dollar you earn at office supply stores.
If you have any online shopping to do, make sure to go through Shop through Chase first. This will help you rack up some serious points — especially if you’re making a large purchase from a home improvement or electronics store.
Let’s assume that Lowe’s is offering 3 bonus points per dollar through the portal. Buying a $1,500 grill would put you 4,500 Ultimate Rewards points closer to your 100,000 goal — and that’s without taking points from spending on your credit card into account.
If you have a Chase Sapphire Preferred card, Ink Business Preferred card, or another select Chase credit card, you can refer your friends to apply for a credit card of their own — and earn bonus points in the process.
You’ll earn differing amounts of points each time a person you refer is approved. The referral maximum per year is anywhere from 50,000 to 100,000 Ultimate Rewards points per year, per card.
You can send referrals by email, social media, or by sending a friend or family member your direct referral link. Your referral link, sharing options, and earning rates can be found on the Chase Refer-A-Friend website.
Hot Tip: Have questions about the Chase Refer-A-Friend program? Check out our full guide to Chase referrals.
Chase and Lyft have a partnership that lets select Chase credit cardholders earn up to 10x bonus points on Lyft purchases (through March 2025).
All cards that earn Ultimate Rewards points (or cash-back that can be converted into points) are eligible for this promotion. Here’s how many points each card earns on your Lyft purchases:
|Card||Points per $1 Spent on Lyft|
|Chase Sapphire Preferred card||5x Ultimate Rewards points|
|Chase Sapphire Reserve card||10x Ultimate Rewards points|
|Freedom Flex card||5% cash-back (converts to 5 Ultimate Rewards points)|
|Freedom Unlimited card||5% cash-back (converts to 5 Ultimate Rewards points)|
|Ink Business Cash card||5% cash-back (converts to 5 Ultimate Rewards points)|
|Ink Business Preferred card||5x Ultimate Rewards points|
|Ink Business Unlimited card||5% cash-back (converts to 5 Ultimate Rewards points)|
If you’re a frequent Lyft user, make sure to add your Chase credit card to your account and earn a ton of bonus points. After all, 1 $75 trip to the airport could earn you a massive 750 Ultimate Rewards points if you have a Chase Sapphire Reserve card!
As you can see, it’s not too hard to earn 100,000+ Chase Ultimate Rewards points in 90 days or less. In the end, it’s all about having the best card for your spending habits and leveraging bonus-point opportunities like authorized users, Shop through Chase, and buying gift cards in bulk for future purchases.
Now that you have 100,000 Chase Ultimate Rewards points, it’s time for the fun part — redeeming them!
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The following personal and business credit cards earn Ultimate Rewards points. Cards with an asterisk next to them can transfer to airline and hotel partners, while cards without cannot. However, Ultimate Rewards points earned by non-transferable cards can be combined with transferrable cards and then transferred to partners.
Points earned with a credit card will appear in your account shortly after your statement closes. Points earned through Shop through Chase will generally appear in 3 to 5 days but can take longer for select merchants.
You can, but you must add your spouse or another member of your household as an authorized user before you can transfer points to their account. After doing this, go to your Ultimate Rewards account, hover over your points balance on the top right, and select Combine Points.
Then, you will see your spouse or household member listed on the Combine Points page. Click on your spouse’s name, click the continue button, and enter the number of points you want to transfer.
Chase’s airline transfer partners include: Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Flying Blue Air France KLM, Emirates Skywards, Iberia Plus, JetBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United Airlines MileagePlus, and Virgin Atlantic Flying Club.
Hotel partners include: World of Hyatt, IHG Rewards, and Marriott Bonvoy.
No, Chase Ultimate Rewards points will not expire as long as you have an open account.
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