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

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If you use Chase Ultimate Rewards credit cards on a regular basis, you will soon be on your way to earning tons of points that can be used for some amazing travel.

Once you complete the simple sign-up process, you will automatically earn rewards every time you use your Chase cards to make purchases. Your Ultimate Rewards points can be redeemed a number of ways but redeeming Chase points for travel is where you will get amazing value.

Let’s take a look at how you can earn a ton of Ultimate Rewards in 90 days.

Why Would You Want to Earn 100k Chase Points?

Chase Ultimate Rewards hotel redemption
With 100k+ Chase Ultimate Rewards points, you could book a luxury hotel stay or a premium cabin flight.

Earning 100,000 Chase Ultimate Rewards points might seem like a tall order, so we’re going to show you an easy way to do it. But why would you want that many to begin with?

But why would you want that many to begin with?

Think of all the trips you take or wish you could take. With Ultimate Rewards, you can slash your out of pocket costs and travel in style.

No matter your dream, you’re sure to find a way to make it come true when you have tons of Ultimate Rewards points. So, let’s check out how you can earn 100,000 of them in 90 days!

1. Sign up for Chase Credit Cards

While Chase offers a wide variety of credit cards, just 7 of them participate in the Ultimate Rewards loyalty program.

When you sign up for Ultimate Rewards credit cards and reach the minimum spend within the required timeframe, you can earn a sign-up bonus of 15,000-100,000 bonus points (depending on the card).

Once you hit the minimum spend, you will receive your sign-up bonus within 6-8 weeks. Luckily, your points usually arrive within days of your credit card statement closing.

Chase cards can earn 1.5X, 2X, 3X and even 5X points per dollar when you make purchases in their respective bonus categories!

Recommended Chase Cards (Personal)

Chase Sapphire Preferred® Card - This is our favorite beginners travel card that earns valuable points and it comes with a big 60,000 sign up bonus (highest ever & valued at $750), after you spend $4,000 on purchases in the first 3 months from account opening. The annual fee is $95.
Chase Freedom Unlimited® - A simple, no annual fee card that earns you 1.5% cash back on all purchases. A good card to get after the Sapphire Preferred because then you can transfer your cash-back into points (which is how you maximize value).
Chase Sapphire Reserve® - This is a premium travel rewards card with a higher annual fee, but it'll get you into a lot of airport lounges (Priority Pass). 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 $450 annual fee.

Recommended Chase Cards (Business)

Ink Business Preferred℠ Credit Card - This is our #1 recommended business card and comes with a whopping 80,000 sign up bonus after you spend $5,000 on purchases in the first 3 months after account opening. This bonus is worth $1,000. You can earn lots of points by leveraging the cards bonus categories.
Ink Business Cash℠ Credit Card - earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening. In addition, get up to 5% cash back on a range of business expenses. A simple, $0 annual fee card.

Though some cards come with an annual fee, the value of their sign-up bonus and other benefits can far outweigh this cost.

2. Everyday Travel Expenses (Uber, Lyft, etc.)

The Chase in your wallet can make a big difference in how fast you earn rewards for your vacations.

Travel is a bonus category for 3 Ultimate Rewards cards. The Chase Sapphire Preferred® Card earns 2X points per dollar while the Ink Business Preferred℠ Credit Card and Chase Sapphire Reserve® each earn 3X points per dollar on travel purchases.

Don’t forget, even your purchases with Uber and Lyft fall under the travel bonus category. Even reloading many subway/metro cards will be included in this category.

Thanks to a broad travel category, your everyday travel expenses will earn bonus points while you work toward earning a sign-up bonus.

3. Go Shopping…and Get Points!

Chase Ultimate Rewards shopping portal
Shop online at the Ultimate Rewards Mall and earn up to 7x points for purchases from major retailers.

The Ultimate Rewards shopping portal is the perfect place for people who love to shop! With more than 240 stores offering up to 6X points per dollar, you might as well get the most bang for your buck.

Plus, using an Ultimate Rewards card to pay means you’ll earn even more points! Let’s see how it works with an example:

If you made a purchase from one of the partners offering 6X points per dollar in the Ultimate Rewards shopping portal (Neiman Marcus, Rite Aid, or Sally Beauty just to name a few). By using one of your Ultimate Rewards credit cards, you’d also earn the standard points for any card purchase, for a total of 7X points per $1 spent!

If you went through the shopping portal to make a purchase at Staples and used the Ink Business Cash℠ Credit Card, you would earn 5X points per dollar from the card and points from the Ultimate Rewards shopping portal.

Most cards only earn 1X points for general purchases, but if you use the Chase Freedom Unlimited you’ll earn 1.5% cash-back!

4. Refer a Friend and Receive Bonus Points

Did you know you can earn Ultimate Rewards points just for referring friends to Chase rewards credit cards? In fact, you can earn up to a whopping 50,000 points per year this way: 5,000-10,000 for each referral.

You’ll need a referral link to do this. You can enter your Chase card(s) and get your referral link by going to Chase’s dedicated referral page.

Using Your 100k+ Chase Points

Once you get your 100k+ Chase points, don’t just let them burn a hole in your pocket! You can find tons of suggestions for maximizing your points in our guide.

Here are a few ideas to get you started:

Design the perfect getaway: Using the Ultimate Rewards site, you can transfer points to airline and hotel partners to book an exciting vacation, like a one-way business-class flight on Japan Airlines from Los Angeles to Tokyo for 75,000 British Airways Avios! For 100,000 Avios, you could fly Japan Airlines in first class!

Transferring points to a frequent flyer program is without a doubt the way to get the most value out of your points.

Attend a Chase Exclusive Event: With the Ink Business Preferred℠ Credit Card, Chase Sapphire Preferred®, or Chase Sapphire Reserve® you have access to exclusive redemptions like the opportunity to drive a Maserati or go on-field with the Arizona Diamondbacks.

Make a large purchase: Redeem for a gift card to Target, Lowe’s, or another participating retailer and get enough credit to buy something you’ve always wanted. Be warned though as this is a terrible use of points and should only be used if absolutely necessary.


As you can see, earning 100k+ Ultimate Rewards points isn’t so tough after all! For more of our best strategies to earn Chase points, check out our guide to earning lots of Ultimate Rewards.

Think about what you could do with all those points and get started on your path to some amazing adventures around the world!

Photo Credits:  Chase Ultimate Rewards Featured Photo: Shutterstock


What is the Chase Ultimate Rewards program?

Ultimate Rewards is Chase’s points program. Once enrolled, you earn points for every purchase you make with a Chase UR credit card.

Points can be redeemed for travel, merchandise, or cash-back.

Which cards earn Chase Ultimate Rewards points?

What airlines partner with Chase Ultimate Rewards?

What are Chase Ultimate Rewards points worth?

Depending on which redemption you pick, Chase Ultimate Rewards points can be worth anywhere from $0.01-$0.07 per point.

The most valuable redemptions are those made through UR partners such as airline and hotel loyalty programs.

When do Chase Ultimate Rewards points post to your account?

Look for the Ultimate Rewards points you’ve earned to appear in your account at the end of the monthly billing cycle.

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.

Jennifer Koebele

About Jennifer Koebele

Jennifer ("Jen") is a self-proclaimed travel geek. Her favorite spot to relax is the beautiful resort town of Interlaken, Switzerland, which she first visited as a toddler. The Alpine city of Annecy, France is a close second. There's nothing Jen loves more than discovering (and writing about) how to find a good bargain.

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  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!

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