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By the end, you will have learned brilliant ways to earn Chase Ultimate Reward points fast and how to redeem the points for the best value.
Before you can redeem any points, you've got to earn them. Chase has several Ultimate Rewards cards. You're enrolled in the program as soon as you're approved for one of the following cards:.
Bonus Categories for January - March Gas stations, Lyft and Walgreens October - December You can combine your Ultimate Rewards points together into a single account, which is a good tactic for racking up a ton of points.
If you've got a small business or even a side hustle that earns income, you can apply for one of the Chase business cards and get more rewards points.
Each card has a different structure for how Ultimate Rewards UR are earned and how lucrative they become when you redeem them. What are the best Chase credit card promotions?
The sign-up bonuses differ for each card. Here are the best Chase credit cards that earn Ultimate Rewards and their corresponding sign-up bonus structures:.
There are no foreign transaction fees. Points can be transferred 1: You earn unlimited 1. The cash back rewards will not expire as long as your card account remains open.
There is no annual fee. Sign-up bonuses are a great way to get a jump start on your rewards points. Just make sure you'll be able to meet the minimum spend within the timeframe specified to receive the bonus.
These are known as cash back cards , but the rewards are still in the form of UR points. And you still earn UR points when you make purchases.
Getting cash back through direct deposit or statement credit Trading in points for gift cards Purchasing directly with points on Amazon Booking travel through Chase Ultimate Rewards travel portal.
If you are thinking to book travel through Chase, consider double-checking with a couple of other booking sites as well such as Google Flights , Skyscanner or Kayak.
Sometimes the prices are not always the cheapest on Chase, and may not contain some budget airlines.
On the other hand, Chase's premium travel card, Chase Sapphire Preferred has an annual fee but offers more flexibility in how you can redeem your rewards.
One of the biggest advantages is that you can redeem points for travel at a discount. With the premium cards such as Sapphire Preferred and Ink Business Preferred , you get more options for redeeming points than you do with cash back cards:.
Transferring the points 1: Even with the cash back cards, though, you can still maximize your redemption potential by combining all your points with one of the premium card accounts.
Then you can use those points toward travel rewards at a higher value. Past categories include groceries stores, restaurants, and gas.
With the no annual fee cards, you are able to redeem points for travel through the Ultimate Rewards portal, but each point is worth only 1 cent.
You can get more out of your points, however, by pooling points earned with multiple Chase cards. Chase has some very clear rules on how you can and can't combine your points.
All the cards have to belong to you, your spouse, or your domestic partner, and all of the accounts have to be in good standing.
Also, your relationship with the person should be in good standing because you're about to share your Ultimate Rewards with them. When you're ready to roll your points from one card to another, you log into the account you want to transfer points from and navigate to the Ultimate Rewards page.
Select the "Combine Points" option and enter the account number for the card you want to transfer the points to. After you verify that your information is correct, your points will be transferred to the second account.
Once you've combined all of your points onto one of the premium Chase cards eligible to earn a discount e. Chase Sapphire Preferred , you can book your trip through Ultimate Rewards.
This is an easy way to make the most of the various rewards categories each card offers. Transfer to United as they never charge a fuel surcharge.
Take advantage of its Excursionist Perk to visit more destinations for no additional points on qualifying multi-city trips.
Transfer to Hyatt as most redemptions are valued at well over 2 cents a point. Hyatt has a great award chart is the most value hotel partner.
Use British Airways Avios to fly from U. West Coast to Hawaii. You can earn even more bonus points when you use Chase's shopping portal.
Chase has an awesome Ultimate Rewards shopping mall. There are over partner merchants that offer bonus points per dollar spent.
Most stores offer 2x to 5x points per dollar spent, but some stores go as high as 25x points. So whenever you're doing some online shopping, be sure to check if your store or a similar one is on the list.
The list of merchants is subject to change, so remember to check Chase's website often. When you click on a merchant's name, you'll be taken to the regular company's website, where you can make your online purchase.
When your family members or friends sign up for a new Chase card, you can receive a nice referral bonus. Different cards will pay out different bonus points for the referral.
Usually, they range from 5, to 20, bonus points. Invite a friend to apply for a Chase card it has to be for the card you own If the friend applies through your Chase referral link and is approved, you will earn bonus points You can invite as many friends as you want.
But there is a limit for how many referral bonus points you can earn per year, for each eligible Chase card you own.
If you happen to have friends or family who are looking for a new Chase credit card, it never hurts to send them an invite.
This is an easy way to earn a lot of UR points with little work. Learn how Chase Refer a Friend works in detail.
Chase Ultimate Rewards can be redeemed in a variety of ways. How much your points are worth depends on how you choose to redeem them.
We'll go over each in more detail, but here is an overview what you can expect value is listed as per point:. Get cash back 1.
When you're ready to use your Chase points, just log in to your Ultimate Rewards account to find a pull-down menu with all the options for redemption.
Redeem for cash back: You get a 1: You'll need at least 2, points to convert them to cash. Give yourself a gift: The perk here is easy checkout, but the points are only valued at 0.
You can also trade in your points for an experience at a 1: But events are limited and are only in certain cities. If you have one of the premium cards, you can redeem for travel rewards for a better value.
Here are some examples:. You can transfer points to one of several Chase travel partners including airlines and hotels at a 1: Let's say you use Chase Sapphire Preferred.
Booking through the Chase travel portal ensures that you'll get 1. You can use one of the no annual fee cards to book travel on the Ultimate Rewards portal as well, but you will only get a value of 1 cent per point unless you also have one of the premium cards.
The Chase travel portal works like most other online booking sites. Just enter your destination and the dates of travel and search to review your options.
Because you're not booking directly with an airline, you'll automatically avoid any blackout dates. You'll also be able to book during times when award flights are hard to find like holidays.
The top 5 international destinations visited by Americans are in order: Get more value with the premium UR cards. These discounts make the portal more rewarding to use.
It's sometimes better than an airline's frequent flyer program. A lot of times, U. For example, it costs 25, points for a domestic round-trip flight on United.
But with the discount on the portal, you can possibly get a round-trip flight for less points. This also works for off-peak flights, like to Europe.
You don't need to have all the points saved up. This is another reason why you may like the portal.
For an award flight with an airline, you will need to have ALL the points already to redeem for the flight. But on Chase's portal, you can book a flight even if you don't have all the points.
You can pay for part of it with cash and part with points, helping you offset the out-of-pocket cost a bit.
The other approach is to transfer your Ultimate Rewards at a 1: This is where you really get the ultimate value from your points.
The Chase travel portal is nice but with transfer partners , you can potentially make your Chase rewards points worth 2 cents or more.
Transferring points is easy, and you always get full value with no transfer fees. In other words, 80, Ultimate Rewards will equal 80, miles in your loyalty program.
However, if the points were transferred to Singapore Airline KrisFlyer Miles and then booked with partner airlines Virgin Atlantic , you'd get the same flight for just 50, miles , which works out to almost 2 cents a point.
Of course, this is all subject to availability. Also, taxes, fees and surcharges not included. Obviously, this can change from flight to flight.
On the other hand, the same flight would cost 20, United MileagePlus miles. Here, you'd save nearly 2, Ultimate Rewards by booking through Chase Travel.
In general, transferring Ultimate Rewards is best for international travel or expensive business class or first class tickets.
But if you take the time to check out both options, you could save yourself a bundle on your flight. Transfer to United as they don't have a fuel surcharge.
For more ideas, read our guide on the best Ultimate Rewards transfer partners. The downside with using Chase transfer partners is you have to be flexible with your schedule.
Booking award travel directly through an airline or hotel can often lead to the dreaded blackout dates, so you might need to shift your timing a bit in order to reap the maximum rewards.
You're on a European vacation where you'll be hopping between countries. Avios is great for finding short flights within Europe at a great transfer rate.
A lot of popular routes only cost 4, Avios one way with no fuel surcharge. Another popular way to use Avios is on flights on partner Alaska Airlines to Hawaii.
Alaska Airlines only operates flights to Hawaii from 8 major cities on the West Coast. But it only costs 25, Avios round-trip.
And there is no fuel surcharge. Use the British Airway Avios calculator to find out how many Avios points you'd need for a reward flight.
Under the new revenue-based award system, going from the East Coast to Europe can be less than 25, miles each way. For example, in August , there's a promo deal from Paris to New York for just 11, miles one-way.
It's hard to say exactly how much miles will cost with the new award system. It only gives you a minimum points cost, so it could cost more.
It may take you a while to figure out the best day and route that would result in the least miles. Use the Flying Blue Miles calculator to see what you'd need to book a flight with them.
Singapore Airlines allows one free stopover on a round-trip Saver flight or 2 free on a Standard Award flight , which will allow you to visit a new destination.
For example, you can go from Los Angeles to Australia, with a stopover in Tokyo, for 55, miles in economy. If you want the ultimate first-class experience, you can't ask for better than flying on Singapore Airline's luxurious A Suites the first double-bed in the sky!
A favorite route for travelers is from New York to Frankfurt 8 hours of airtime for 76, points. Or you can go from Singapore to Tokyo to Los Angeles In most cases, there are still high surcharges on partner flights.
Check out Singapore Airline's award chart for more on the deals you might be able to score. You want to take advantage of United's generous Excursionist Perk to visit more destinations for no additional points on qualifying multi-city trips.
Another good thing about United is that it doesn't have a fuel surcharge, not even on partner airlines. You're redeeming points for business or first class tickets as it is often higher on United than other airlines.
Check out United's interactive awards chart for more details. You want to book flights within the U. The value is especially good on the Wanna Get Away flights, with many routes as low as 4, points one way.
Southwest also offers very low rates to Mexico, Costa Rica, Puerto Rico, and the Caribbean for a little bit more in taxes. As you can see in the screenshot below, this flight from Los Angeles to Denver costs only 4, points for a Wanna Get Away flight.
You're looking for flights within the U. You can book any JetBlue flight with TrueBlue points, with no blackout dates or seat restrictions.
In general, we estimate each TrueBlue point to be worth about 1. So it's best to have flexibility. For example, you can find flights to the Caribbean for as low as 7, points each way, to Central America for as low as 10, points each way, or even to South America for 12, points each way.
Each point is worth over 1. You're looking for anything other than that. In general, Virgin Atlantic is not our favorite transfer program, and we don't recommend using it for international travel.
See Virgin Atlantic's list of Airline Partners. Award tickets have limited availability, so it's best to have some flexibility in your schedule. You'll also need the patience and time to find the best deals, which sometimes means waiting for awards to become available.
To book, you have to be a member of the airline's frequent flyer program and use the site to search availability. Booking online is the easiest, but not all the airlines are great at showing availability for award flights.
Sometimes you may find that it's best to just call. As far as booking an award ticket on a partner flight goes, let's clear something up: You also have the option to pay with a combination of points and cash, which is great if you want to save some points or don't have quite enough for the room you want.
You can also use points to upgrade to a Club room for 3, points per night or a Suite for 6, points per night. You're looking for a great value.
This gives each point the value of over 2 cents per point. OR you can pay cash and points: You're redeeming points on their dining, spa, and resort activities.
The value of the points is only about 0. We only recommend using your points to redeem for free nights. Save your cash for the hotel extras. See Hyatt's free night award chart for more about your options.
Points redemption start at 10, points a night for a Category 1 hotel and up to 60, points a night for a Category 11 hotel.