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Chase Ultimate Rewards guide: The best ways to earn and use Ultimate Rewards points

Summary

Our Ultimate Rewards guide gives you the full rundown on earning and redeeming Ultimate Rewards points and helps you figure out which Ultimate Rewards card is best for you.

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#If you are serious about getting into the game of using credit card points for free travel, then applying for a Chase Ultimate Rewards card or two should be one of the first items on your to-do list.

What is Chase Ultimate Rewards?

The Chase Ultimate Rewards loyalty program is one of the most valuable and flexible credit card rewards programs in existence. Not only do you have a wide variety of options for redeeming rewards points, including cash back, gift cards and travel, but you can easily transfer points to certain Chase cards and, from there, on to one of Chase’s airline or hotel partners at a high 1:1 rate.

Basically, the Chase Ultimate Rewards program can take you practically anywhere you want to travel, at a great value.

Chase Ultimate Rewards program overview

Type of currencyFlexible points
Average point value1.26 cents
Credit cardsFreedom, Freedom Unlimited, Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, Ink Business Cash, Ink Business Unlimited
Redemption optionsStatement credits, direct deposit, gift cards, travel, Amazon.com and Chase Pay purchases, Apple products
Minimum required to redeemRedeem any number of points at any time
Do rewards expire?No
Blackout dates/travel restrictionsNone. If a flight or a hotel room is available, you can book it with your rewards.
Point transfer optionsOther household members, certain Ultimate Rewards cards, 13 airline and hotel partners
Is there a fee to transfer points?No
Best for
  • A variety of redemption options
  • High value on cash back
  • Flexible points that give you the widest variety of travel options
  • The ability to maximize the value of your rewards points

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Business
15.45%
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