How to Earn 100k+ Chase Ultimate Rewards Points [in 90 Days]

Chase Sapphire Preferred and Chase Freedom

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Chase Ultimate Rewards are some of the most valuable and versatile flexible points currencies on the market. The points transfer to 12 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.

Here’s how to earn 100,000+ Chase Ultimate Rewards points in just 90 days. For an overview of all of the ways to earn Chase Ultimate Rewards points, check out our complete guide to earning Ultimate Rewards.

Why Would You Want to Earn 100,000 Chase Points?

Hainan Airlines A350 Business Class Cabin - Cherag Dubash
You can use your Chase Ultimate Rewards points to fly in luxury. Image Credit: Cherag Dubash

As stated earlier, Chase Ultimate Rewards points are super flexible, including valuable 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 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.

How to Earn 100,000+ Chase Ultimate Rewards Points

1. Sign up for Chase Credit Cards

First things first: in order to earn Chase Ultimate Rewards points, you must have a Chase Ultimate Rewards earning credit card 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 a ton of different Ultimate Rewards earning cards offered by Chase — some for individuals and some for small businesses. Each of these cards has different benefits, points 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, alongside their current signup bonuses:

Recommended Chase Cards (Personal)

Chase Sapphire Preferred® Card - This is our favorite beginners travel rewards card, which is currently offering a 60,000 point bonus after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

The card earns 5x points on travel purchased through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases, plus more. Enjoy a $50 annual Ultimate Rewards Hotel Credit, and other travel benefits such as excellent travel insurance coverage, including car rental insurance and no foreign transaction fees, this card is a very rewarding card.
Chase Sapphire Reserve® - This premium card will get you access to 1,300+ airport lounges. as well as a number of other card benefits. The current sign up bonus is 50,000 points after you spend $4,000 on purchases in the first 3 months from account opening. You'll also get a $300 travel credit per year which wipes away a big chunk of the $550 annual fee. As an extra bonus, until 12/31/21, gas station & grocery store purchases will also count towards earning your Travel Credit.

Earn big with this card, earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.
Chase Freedom Unlimited® card - A solid, no annual fee card that earns you a $200 bonus after you spend $500 in your first 3 months. Earn 5% cash-back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year, and 5% on travel purchases through Chase Ultimate Rewards. Then earn 3% cash-back on dining and drugstore purchases, and 1.5% cash-back on all other purchases, but you won't get any travel benefits with this card.

Recommended Chase Cards (Business)

Ink Business Preferred® Credit Card - this is our #1 recommended business card and right now comes with a 100,000 sign up bonus after you spend $15,000 on purchases in the first 3 months after account opening. This bonus is worth $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®. Pay your cell phone bill with this card to receive up to $600 in cell phone insurance coverage per year; as well as a number of other benefits.

Earn 3x on the first $150,000 spent on travel and select business categories each account anniversary year, plus 1x on all other purchases — with no limit to the amount you can earn. All for an annual fee of $95.
Ink Business Cash® Credit Card - Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

This no annual fee business card earns up to 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, plus 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary.
Ink Business Unlimited® Credit Card - Earn unlimited 1.5% cash back rewards on every purchase made for your business.

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. There's no annual fee.

Note that each of these cards has a varying sign-up bonus, usually ranging from 15,000 to 100,000 Ultimate Rewards points. This alone can get you near or over the 100,000 Ultimate Rewards points mark from simply putting the required spend on your new credit card.

Hot Tip: You can only be approved for new Chase credit cards if you have opened less than 5 new accounts in the last 24 months. Check out our article about Chase’s 5/24 rule for more information.

2. Use the Right Cards for the Right Purchases

Now that you have a set of Chase Ultimate Rewards cards and have met the sign-up bonuses, 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. Then put drugstore purchases or any purchases that don’t fall in a bonus category on a Chase Freedom Unlimited® card.

Hot Tip: Unsure of which Chase card is best for you? Read our comparison of the Chase Sapphire Reserve and the Chase Sapphire Preferred® Card and our comparison of the Chase Freedom Flex℠ Credit Card and Freedom Unlimited card to see which would be the best fit in your wallet.

Chase Sapphire Reserve cardholders are awarded 3 points per dollar on travel and dining purchases, so if you purchase a $1,000 plane ticket, you’ll get a cool 3,000 points in return. However, this card earns just 1 point per dollar on all other categories.

And that’s where the Freedom Unlimited card’s 1.5 points per dollar on all non-bonus purchases comes 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 cards will also earn 5x points on travel through Chase Ultimate Rewards, and 3x on dining and drugstore purchases.

Depending on your spending habits, using the right Chase Ultimate Rewards card can help you rack up some serious progress towards the 100,000 point goal. This is especially true if you travel for work and expense food, travel, and other essentials.

Bottom Line: Use the right cards for your daily purchases to rack up points quickly and sustainably.

3. Pay Your Rent With an Ultimate Rewards Earning Credit Card

Another easy way to inch closer to your 100,000 point goal is by paying your rent with an Ultimate Rewards earning credit card. This can help you meet the minimum spend and gives you an ongoing 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 Chase Freedom Unlimited card (for 1.5 points per dollar on purchases) to offset the service’s fee and earn the most points.

4. Load up on Gift Cards for Future Purchases and Prepay Bills

Need to earn Ultimate Rewards points in a pinch, but don’t have any large upcoming purchases? 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® Credit Card earns 5 points per dollar at office supply stores, and stores 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.

5. Add Trusted Friends and Family Members as Authorized Users

Add An Authorized User to Your Account To Earn More Points
Add trusted family members to your Chase account to earn points on their purchases. Image Credit: Dean Drobot via Shutterstock

All Chase Ultimate Rewards earning credit cards 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 billed to your bill.

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 2 points per dollar on their dining and 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.

6. Go Shopping on the Chase Shopping Portal

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:

Accessing the Chase shopping portal.
Click the Earn Bonus Points button to access the Chase shopping portal. Image Credit: Chase

First, log into your Chase account and head over to the Ultimate Rewards dashboard. You can find the shopping portal by clicking on the Earn Bonus Points tab at the top of the screen.

Chase Shopping Portal
The main portal for the Chase Ultimate Rewards mall. Image Credit: Chase

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 be credited to your account in 3-5 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 miles in addition to the 5 points per dollar you earn at office supply stores.

So, if you have any online shopping to do, make sure to go through the Chase shopping portal 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.

Think about it: 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 your credit card into account.

7. Refer Your Friends and Family to Apply for Chase Cards

If you have a Chase Sapphire Preferred card, Ink Business Preferred® Credit 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 a varying amount of points each time a friend you refer is approved, up to 50,000 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.

Have questions on the Chase Refer-A-Friend program? Check out our full guide to Chase referrals.

8. Ride With Lyft

Lyft Branded Fiat 500 in New York City
Some Chase credit cards now earn bonus points on Lyft purchases. Image Credit: Roman Tiraspolsky

In early 2020, Chase and Lyft announced a partnership that lets select Chase credit cardholders earn bonus points on Lyft purchases. In some cases, they’re offering 10 points per dollar on these purchases!

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 through March 2022:

CardPoints per $1 Spent on Lyft
Chase Sapphire Preferred card5 Ultimate Rewards points
Chase Sapphire Reserve card10 Ultimate Rewards points
Chase Freedom Flex℠ Credit Card5% cash-back (converts to 5 Ultimate Rewards points)
Freedom Unlimited card5% cash-back (converts to 5 Ultimate Rewards points)
Ink Business Cash card5% cash-back (converts to 5 Ultimate Rewards points)
Ink Business Preferred card5 Ultimate Rewards points
Ink Business Unlimited® Credit Card 5% cash-back (converts to 5 Ultimate Rewards points)

So if you’re a frequent Lyft user, make sure to add your Chase credit card to your Lyft 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!

Hot Tip: Link your Delta Air Lines and Hilton Honors accounts to your Lyft account and earn even more bonus points on Lyft rides!

Final Thoughts

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 points opportunities like authorized users, the Chase shopping portal, and buying gift cards in bulk for future purchases.

Now that you have 100,000 Chase Ultimate Rewards points, it’s time to redeem them. For inspiration, explore our best ways to redeem Ultimate Rewards points. If you’re intrigued and want to earn even more points, dive into our ways of earning more Ultimate Rewards points.

Frequently asked questions

What are Chase Ultimate Rewards points?

Chase Ultimate Rewards is the loyalty program associated with many of Chase’s personal and business credit cards. The points earned can be transferred to travel partners or redeemed for travel through the Chase Travel Portal.

Which cards earn Chase Ultimate Rewards points?

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-transferrable cards can be combined with transferrable cards and then transferred to airlines.

Personal Cards:

  • Chase Sapphire Preferred card*
  • Chase Sapphire Reserve card*
  • Chase Freedom® card
  • Freedom Unlimited card

Business Cards:

  • Ink Business Cash card
  • Ink Business Preferred card
  • Ink Business Unlimited card

When will my newly earned Chase Ultimate Rewards points appear in my account?

Points earned with a credit card will appear in your account shortly after your statement closes; points earned through the Chase shopping portal will generally appear in 3-5 days but can take longer for select merchants.

Can I combine Chase Ultimate Rewards points with my spouse's account?

You can, but you must 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 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.

Where can I transfer Chase Ultimate Rewards points?

Chase’s airline transfer partners include Air France KLM, British Airways, Iberia, Aer Lingus, JetBlue, Singapore Airlines, Southwest AirlinesUnited Airlines, and Virgin Atlantic.

Hotel partners include Hyatt, IHG, and Marriott.

Do Chase Ultimate Rewards points ever expire?

No, one of the great things about Chase Ultimate Rewards is that if you keep your account open, they never expire!

Can I transfer Chase Ultimate Rewards points to my spouse?

Yes, you can! Just add your spouse (or another household member) to your account as an authorized user. You can then transfer points from your Ultimate Rewards account.

Andrew Kunesh

About Andrew Kunesh

Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City. He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt.

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. If I apply for Preferred and Reserved cards, will I get 50k sign-up bonus for each?


    • Chase updated their terms and you can only apply and get the bonus for one of the Sapphire cards. We’d advise choosing which one you go for carefully!


  2. Grumpy Texan Travel September 7, 2019

    Alex, Chase Pay is going away in several months. I don’t recall the exact date but I definitely got an email saying it was shutting down.


    • Hi Grumpy Texan,
      Yes, you’re correct. The Chase Pay app will be shutting down in early 2020. After that you’ll still be able to use Chase Pay to check out on participating merchant websites and apps.


  3. I have the Chase Sapphire Preferred, Chase Business Ink card, and the Chase Freedom. I have been transferring all of my points to the Sapphire Card. I would really like to get the Reserve card. My husband has the Chase Ink Preferred and Chase freedom. I thought it might be a good idea to transfer my points to his account and downgrade my Sapphire to the new Unlimited card. If I do this, will I be eligible for the Reserve in 48 months? Thanks for any guidance you can offer.


    • Hi Kathy,

      Unless you’re hoping to get the welcome offer that comes with the Sapphire Reserve, you can call to request an upgrade from the Preferred to the Reserve without needing to wait 48 months!

      Thanks for reading!


Any thoughts or questions? Comment below!

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