How much are Chase points worth? Here’s how to calculate their value

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Before you collect any miles and points, it’s good to have an idea of the return you’ll get for your trouble. Many of the best rewards credit cards allow you to earn cash back, points or miles that can be redeemed for travel-related items like airfare, car rentals and more.

The value of most miles and points depends on how you redeem them, but one thing is certain: You will save big on travel when you collect miles and points, even without lengthy research.

My favorite points to collect are Chase Ultimate Rewards points, which you can earn from the best Chase credit cards. They’re generally worth between one and five cents each (though it’s possible to get even more value from them). On average you can receive about 2 cents.

Here’s how to estimate Chase points value.

Trying to pinpoint Chase points value? Here’s what our hours of research show. (Photo by Wyatt Smith)

Chase points value

Chase Ultimate Rewards points are easy to earn by opening one of the following cards:

These all rank among the best credit cards for travel. And once you have one of the powerful premium cards above, consider adding any of these:

The information for the Chase Freedom has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

What value can you get when you redeem your points for cash back?

Quick answer: 1 cent each

You don’t have to redeem your Chase Ultimate Rewards points for travel. You always have the option of redeeming for cash back at a rate of 1 cent per point.

But if you have any travel aspirations whatsoever, we don’t recommend you use your points this way because it’s very, very easy to receive much better value. Nonetheless, if cash makes you happiest, go for it.

How much are Chase points worth through the Chase Travel Portal?

Quick answer: Between 1 and 1.5 cents each

Depending on which Chase Ultimate Rewards points-earning credit card you have, you’ll receive a value of between 1 and 1.5 cents per point when you book through the Chase Travel Portal. Here’s what you can expect:

Chase Ultimate Rewards CardHow Much Are Points Worth Toward Travel?
Chase Sapphire Reserve®1.5 cents
Chase Sapphire Preferred® Card1.25 cents
Ink Business Preferred® Credit Card1.25 cents
Ink Business Cash℠ Credit Card1 cent
Ink Business Unlimited℠ Credit Card1 cent
Chase Freedom®1 cent
Chase Freedom Unlimited®1 cent

Now here’s the good news: You can combine your Chase Ultimate Rewards points to one card and all they will be worth as much as your best Chase card. In other words, if you have the Chase Sapphire Preferred, the points you earn with any no-annual-fee cards on this list jump from a value of 1 cent each to 1.25 cents each through the Chase Travel Portal. Or if you have the Chase Sapphire Reserve, the points you earn on any of these other cards are worth 1.5 cents each.

I make a lot of purchases with my Chase Freedom and Chase Freedom Unlimited cards because they earn lots of points for my everyday spending. And because I have the Chase Sapphire Preferred, I can redeem those points toward travel through the Chase Travel Portal for 1.25 cents each. That’s 25% better than if I redeem my points for cash.

The process of redeeming your points through the Chase Travel Portal is very similar to using cash. You don’t have to worry about blackout dates or the number of award seats — I’ve redeemed my points this way lots of times.

You can check out our post on how to book travel through the Chase Ultimate Rewards Travel Portal here.

What value can you get from Chase transfer partners?

Quick answer: Between 0.3 and 6 cents each

When you have either the Chase Sapphire PreferredChase Sapphire Reserve, or Ink Business Preferred, you can transfer the Chase Ultimate Rewards points you earn (with any card) to valuable Chase travel partners.

I made loads of searches and mock reservations to find a median range and value for some of the top Chase transfer partners. The ranges below are typical values for your points. It’s possible to get even more value, but it’s rare.

Hotel partners

  • Hyatt – 0.7 to 4.2 cents each (typically 2 cents)
  • IHG – 0.3 to 3 cents each (typically 0.5 cents)
  • Marriott – 0.3 to 1.5 cents each (typically 0.9 cents)

Note: Transferring your Chase points to Marriott and IHG is almost always a bad deal. You’re likely better off using your points to buy travel through the Chase Ultimate Rewards Travel Portal.

Airline partners

  • British Airways – 0.7 to 5.5 cents each (typically 1.6 cents)
  • Southwest – 1.4 to 1.9 cents each (typically 1.5 cents)
  • United Airlines – 0.6 to 6 cents each (typically 1.3 cents)

Depending on your situation, you may value the points differently. Each Chase transfer partner has attributes that might be more important to you than monetary value. For example, Southwest and Hyatt have no blackout dates; other programs do. And United Airlines often charges very low fees; British Airways often charges lots.

Here are a couple of examples of great redemptions with Chase Ultimate Rewards points:

Transfer to Hyatt

The Andaz Peninsula Papagayo in Costa Rica is on my must-visit list and it’s a great value for the points. Depending on your travel dates, this hotel can cost $1,000+ per night with taxes and fees.

Using cash to stay here is out of the question. But Hyatt only charges 20,000 Hyatt points per night and you don’t have to pay taxes and fees on award stays. So by transferring my Chase Ultimate Rewards points to Hyatt, I’d get a value of 5 cents per point by staying here (~$1,000 per night / 20,000 points). That’s five times the value I’d get by redeeming my points for cash.

Fancy business-class flight with United Airlines miles

I flew Turkish Airlines business class on the way back to the U.S. from South Africa by transferring 70,000 Chase Ultimate Rewards points to United Airlines. A similar itinerary costs $3,265, so I received a value of ~4.7 cents per point ($3,265 cash price of the ticket / 70,000 points). That’s 3.7 cents per point more value than I’d have received if I redeemed my points for cash back.

Tons of legroom, seats that convert into beds and satisfactory airline food — business class makes you look forward to the flight. (Photo by Joseph Hostetler/Million Mile Secrets.)

How to earn and burn Chase Ultimate Rewards points

Earn Chase Ultimate Rewards points

There are just short of infinity ways to earn Chase points:

Chase issues lots of cards that earn Ultimate Rewards points — just be aware of the Chase 5/24 rule. And note that you can only have one Chase Sapphire card at once (read our post on how many Chase credit cards you can get for more details).

Burn Chase Ultimate Rewards points

Estimating the value of Chase Ultimate Rewards travel partners goes far beyond just how many cents per point you’ll get. You may receive a value of 1.5 cents per point by transferring them to Southwest, but if Southwest doesn’t fly to your home airport, they aren’t worth nearly as much to you.

Similarly, you might consider collecting Hyatt points because you see examples of lots of other folks getting a value of more than 2 cents per point from them. But if you travel mainly to small towns or destinations off the beaten path, you might not encounter Hyatt hotels very often. So they’re practically worthless to you.

That’s the beauty of Chase Ultimate Rewards points. They’re flexible to meet your travel goals, no matter what they are. Redeem your points in whatever way will make you the happiest:

  • It’s completely understandable if you’d prefer to redeem your points for cash back
  • If you’re a casual traveler looking for a free flight to grandma’s once a year, you can achieve that with just the Chase Travel Portal
  • If you’re planning a five-night anniversary getaway at an all-inclusive Caribbean resort, you’ll want to redeem your points with Chase transfer partners

Bottom line

Chase Ultimate Rewards points are crazy-flexible transferable points, and that makes it difficult to pinpoint their value with a single number. After making tons of mock bookings and reservations, as well as mulling over my previous experience using my points, I’d estimate that you’ll average a value of ~2 cents per point.

That’s a pretty great return, considering some Chase Ultimate Rewards points-earning credit cards can earn up to 5 points per dollar. It’s like receiving a 10% return on your purchases.

If you don’t want the hassle of learning about airline and hotel rules and blackout dates, use your points for free travel through the Chase Ultimate Rewards Travel Portal for a value of up to 1.5 cents each. And if you want to keep it super-simple, take the cash back.

To learn the tricks to booking a five-star hotel stay on a powdered-sugar beach in the middle of the Indian Ocean for practically free, sign-up for our email newsletter.

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Dhammer5
3 months ago

I checked the Andaz In Costa Rica for a random date in November 2020. Cost is $288. Your example shows a rate over $1000, but you didn’t mention a date.

So much for a fair comparison. 5 cents a points or 1.5 cents. BIG difference.

Readers, do your research.

chris
3 months ago

Currently they are allowing you to use points, similar to capital one, as a point eraser. At a redemtion rate the same as travel for things like Grocery, gas, and dining.

Cha
11 months ago

How did the 70,000 Chase Ultimate Rewards Points bought you $3,265 ticket. Then I must have done something wrong!
I have Sapphire Reserve and I bought my Turkish Airline ticket through Chase Website, the Ultimate Rewards Points travel portal. Ticket price was 910.58 and took 60,705 points. So my points was worth 0.015. How did you get 4.7 cents per point?

RP
Reply to  Cha
10 months ago

I suspect she transferred 70k chase points to united, and then booked a united business saver fare on Turkish.

John
1 year ago

Hi-feel like I’m taking crazy pills. If you redeem your chase sapphire reserve points towards travel you are actually getting the equivalent of 4.5% cash back!!! I spend $100 on travel/dining and get 3x points=300 points. I then apply those points to a travel award and get $4.5 dollars of credit (300×1.5 redemption rate).

Lisa
1 year ago

Before combining all points to one account you have to have your business and personal cards on one account? How do you do this?

Andrew Wan
Reply to  Lisa
1 year ago

Hi Lisa,

You’ll have to call Chase to get this done. They have some IT department that’s pretty familiar with this process.

I did it a few years ago and it’s so much nicer being able to see all my Chase accounts under a single login.

ND
1 year ago

Flying blue is becoming one of my favorite transfer partners for chase ultimate rewards (or citi thank you points). Combined with one of the promo flight deals, you can get a very good deal on an international flight from the US to europe/asia. I recently booked a flight (with an open jaw) for ~4 cents/point value

Andrew Wan
Reply to  ND
1 year ago

Woohoo! Yes I love it!

Thanks for sharing your success story 🙂

Marilyn B
1 year ago

Korean is NO longer a transfer partner.
If you are going to recycle info, please update it first.

And, if you just want cashback, there are better cards for that with a return of better than 1%.

Jose Ramallo
1 year ago

Unfortunatly I am no elegible for any as I do not live in the US. My favorite use for points is United miles

Dave Taube
1 year ago

I’m eligible for all of the cards. My favorite way to use points is for flights.

Tiki
1 year ago

I am eligible for the Freedom cards and I like to use my points for international travel to and from Bali

Patrick O'H!
1 year ago

unfortunately like others, I cannot obtain any of these cards because of the 5/24 rule. Also I can’t use any because I can’t accrue any. I have many other Chase cards (like to hotel brands)

David Nie
1 year ago

CSR for its best in class travel insurance!

Irene
1 year ago

UR for international flights

Jill
1 year ago

Not eligible for any now.

I use Chase URs for big trips to Asia/Europe by transferring the points to airlines.

Andrew W
Reply to  Jill
1 year ago

I’m in the same boat! I’m over 5/24 with Chase, but in a few months I’ll be back down to 1/24.

Can’t wait to earn more Chase UR points!

Matt
1 year ago

Already have pretty much all of them. Use URs for int’l business/first class flights via airline partner transfer.

han
1 year ago

I believe I’m eligible for all the Chase cards, since I’m nowhere near the 5/24 limit. Thus far, my experience has only been trading in Chase UR points for United miles for air travel tickets.

Curtis Lanton
1 year ago

Currently use the Chase Freedom Unlimited and saving up for a great trip to Vancouver!

Rob
1 year ago

Have the Sapphire and business Ink Preferred cards, and Freedom; don’t believe I’m eligible for any more. Could cancel the Sapphire to earn the bonus again… Like to redeem for Hyatt.

Andrew P
1 year ago

Only eligible for business right now, but I’d definitely use them for domestic Southwest flights

Robert
1 year ago

My favorite Chase card is the CSPreferred. I am eligible for the Chase Freedom and I prefer Hyatt Hotel redemptions.
THX.

Candace
1 year ago

I can get the Freedom card and I would use my points for flying to a nice vacation!

Kayte CookWatts
1 year ago

We already have a Chase Freedom card and use the points at Christmas for hotel stays.

Nancy
1 year ago

Unfortunately, I am not eligible for any more Chase cards for 24 months. I especially like my Reserve Card for travel, insurance, and Priority Pass. Can’t wait until my time has elapsed to apply for more…

Eric
1 year ago

I am eligible for any Ink card, and I use my points for Hyatt hotel stays.

Barb
1 year ago

Eligible for the Ink Business card. I transfer my Ultimate Rewards points to United, Southwest, and British Air for economy flights to stretch those points for more flights.

Maria Lynn
1 year ago

I’m eligible for the Freedom card and I like to use the points for airline tickets and/or upgrades.

Christine
1 year ago

I love my CSR-insurance, business class on points and travel credit are the best!

Mona
1 year ago

Unfortunately I don’t qualify for any more UR cards because of the 5/24 rule. If I ever qualify, I will probably upgrade from the Preferred to the Reserve. Since there are always great flight deals out of my area, I usually book flights with points directly through the UR portal rather than transfer to airline miles.

Martine
1 year ago

I would qualify for the Ink Business preferred card… or really any of the Ink cards. I have the Chase trifecta (CSR, Freedom and Freedom Unltd) and love using my UR points… Just need to ….gulp… be ready to take the plunge for more cards.

Michele
1 year ago

I could apply for any Ink card, and the Freedom Unlimited, and I use my points for premium cabin air travel!

Thomas
1 year ago

I’m eligible for the Freedom card, and the Ink Preferred. The best use of my UR points is airline transfers.

Kim S
1 year ago

I have the Chase Sapphire and unfortunately that makes me ineligible for the Sapphire Preferred. But I most recently used Chase UR points for a trip to Italy (flight and hotel) in August and for an upcoming trip to St. Kitts (hotel).

Chantal
1 year ago

Ink business plus is still my favorite card. Too bad it’s no longer available.

ejay
1 year ago

Unfortunately I have to wait a few months to be eligible to apply for any more Chase cards, but I like the CSP and enjoy transferring to Hyatt.

Angie
1 year ago

I’m eligible for Chase sapphire reserve, chase freedom, chase ihg, chase British airways and chase hyatt which I have recently cancelled. I use the chase freedom points to transfer to my chase reserve.

Duane
1 year ago

I’m eligible for the Chase Freedom card. I use the points to transfer to Hyatt.

William Lewis
1 year ago

I’m eligible for the Chase Freedom card. I use the points to transfer to United for upgrade purposes!

Kevin
1 year ago

I loved the reserve and already had all the chase cards. Currently I’m eligible for the preferred since it’s been 3 years

Lily
1 year ago

I’m eligible for the Chase Freedom and Chase Sapphire card. I love to use the ultimate rewards points to transfer to United and Hyatt.

Aleks
1 year ago

Freedom card along with CSR is a good combination for many categories. Use UR points for airline transfers when need to book awards, value from 1.5cpp in Econ to 5cpp in Biz.

Cabet
1 year ago

Love the Chase family of cards! Have the Reserve card, Freedom, and Freedom Unlimited. Think I’m eligible for the Ink Business Preferred and need to look into that one for my next card.

Jim
1 year ago

Chase UAL business card is my next pick. Receiving UAL miles from using Chase is great.

Alexis L
1 year ago

My favorite is the CSP. I have it and the freedom card, and by maximizing the bonus categories on the freedom card plus using the CSP for dining and travel, I can usually rack up enough points for a week long spring break vacation at a Hyatt hotel for my whole family. I love that Hyatt is a transfer partner.

Konstantin
1 year ago

I have CSP and Freedom Unlimited but unfortunately cannot get anymore Chase UR cards since I am way beyond 5/24 limitations.

jc
1 year ago

I’m eligible for the freedom card and my favorite use of the UR points is to transfer them to hyatt.

mikala
1 year ago

Chase Sapphire Reserve is the next card Im applying for, looking forward to saving points to take me to tahiti

Adam
1 year ago

Chase Sapphire Reserve and Chase Freedom are a great combo to have – between the 5% Cashback and 1.5x redemption value, you can earn and redeem UR points quickly for that next vacation!

Pam
1 year ago

I just signed up for an IHG credit card you recommended. Now I’m dreaming of that return trip to Paris next year. I keep reading your newsletters to get all the help I can to afford my trip. Thanks for your dedication to help the millions of us who live to see the world.

Stan
1 year ago

I have the Sapphire Reserve, Freedom, and Ink Preferred Card. I suppose I could get another Chase card, but, I really need to use the points I have now for friends and family travel. That’s the best way to use them, in my opinion.

Laches
1 year ago

Already have CSR, Freedom and Ink Cash so not sure if I’m eligible for any more. My favorite way of redeeming is probably transferring to United to book Star Alliance award tickets.

Jeff H
1 year ago

Sapphire Reserve is my card. I primarily use the points for flights on United.

gymrat
1 year ago

I am eligible for all of the UR cards and have the Sapphire Preferred, Ink Business Preferred, and Ink Business Cash. I like to use the points for cheap Hyatt stays and transfers to United.

Dianna
1 year ago

Don’t think I am eligible for any new UR cards right now. Favorite way to spend business or first class flights.

Oliver
1 year ago

I have the Sapphire Reserve, both Freedom cards and the Chase Ink Cash. I opened all 4 cards this year every time I dropped to 4/24. I’m trying to complete the bonus for the Reserve and Freedom cards and will continue to diversify my spending to accumulate many UR points as much as possible. It’s just good to know I can use the Chase portal or transfer my points to United, Marriott, IHG, JetBlue and other Chase partners.

Becky fusselman
1 year ago

CSR works the best for me. Transferred points to UA this year for flights to Hong Kong.

rmah
1 year ago

i like chase freedom which gives cash back.

Richard Kahane
1 year ago

Chase Sapphire Reserve – Used for United Airlines travel (not because I am crazy about UA, but they are the best answer for a route that I frequently travel).

Mycroft
1 year ago

My favourite ultimate rewards card is the Freedom card with it’s no annual fee and 5x bonus categories. I use them for United International Business class flights

Cathy Edwards
1 year ago

I like the Chase Freedom for cash back

Shawn
1 year ago

Because most of my travel spending is on travel itself and restaurants on those trips, the Chase Sapphire Reserve is the best card to get for 3X points on every $1 spent. The points really start to pour in! Then there’s the priority pass the CSR offers so you can access lounges when you travel. The best thing about Chase Ultimate Reward points is that you can transfer them to lots of different airline and hotel partners like United, British Airways, Southwest, Hyatt, and Marriott. The versatility of the points make them a fantastic resource.

Kevin
1 year ago

CFU I guess. Spend away on trips to Florida to go diving

Jonny K
1 year ago

Unfortunately I’m not eligible for any new Chase UR cards, but I love using the points from my current preferred card to transfer to Southwest for award flights to the Caribbean!

RCG
1 year ago

I use points transfer for hotels and airlines when the cost in points are less (even when considering a purchase with points + uplift) than the cost in cash if the hotel were paid for with cash.

Alexander
1 year ago

Spend on CFU for general spending.

Cindy
1 year ago

Chase Freedom

Emma Hancock
1 year ago

I love that you can redeem points for cash versus other cards where you have to redeem them for travel!

Camillac
1 year ago

None. Even though I am a Chase Private Client and pay my balance in full every month, they won’t bend any rules to give me more cards! 🙁

Ron
1 year ago

I use my points to pay for hotels reserved through Chase, earned on the Sapphire card.

Kat
1 year ago

I’m eligible for all Chase cards. I like the Sapphire Reserve best. I would use the points toward the “travel free” option. You just can’t beat the flexibility on that option.

MaryAnn
1 year ago

Chase sapphire preferred

Brian
1 year ago

I don’t know what cards I am eligible for. And I like using my points for airline tickets.

Debbie
1 year ago

Chase ink to transfer for southwest companion pass

Florinda
1 year ago

I am eligible for all cards. I love using the Chase United card. Free baggage, preferred seating, and great customer service!

Will
1 year ago

I am eligible for Sapphire Reserve, and I would use the points for a trip to California.

bodeh6`
1 year ago

I am eligible for all cards. I would use them on transfer partners.

Anna
1 year ago

I am eligible for all Chase personal cards. I get the best use of the points by transferring them to the airlines for business class tickets

Luke US
1 year ago

I am eligible for all of these cards. My favorite is the Chase Sapphire Reserve. I love to use points for flying United Airlines to Europe!

Gail
1 year ago

I am just finishing the minimum spend on Ink Unlimited. I like transferring points to United or Southwest to redeem for flughts

sandra
1 year ago

i think the chase freedom unlimited is for me. i prefer to use points for cash back or gift card rewards

Leslie
1 year ago

I think I am eligible for all the cards, especially as we have a small business. I like to use my points for airlines, plain and simple!

Natalie
1 year ago

I am eligible for all of the cards but I prefer the Chase Sapphire Reserve. I love that you can transfer points to United Airlines!

Yc
1 year ago

5/24, transfer to united

Alan
1 year ago

Chase Saphire Reserve–lots of points and great booking opportunities

HS
1 year ago

I have had CSR and now have CSP. At the moment I mostly concentrate collecting United miles as I love Chase Ultimate rewards points, which makes it super easy and fast! My next big trip would be to NZ for three people, so those extra points would be an awesome addition, thank you. I try to keep it simple, so no need to worry about 5/24 rule. —Freedom maybe next?

Becky Blaine
1 year ago

I currently have the CSR (recently upgraded my CSP) and I have an old version of the Chase Ink Business card. Based on 5/24 and the new rules regarding Ultimate Rewards earning cards plus the new 48 month period, I’m not eligible for any new Chase Ultimate Rewards cards. Sad face.

La Tanya Polk
1 year ago

I have the CSR and am considering adding another. So far, I have only collected points. I have not yet taken the plunge to redeem them, but I am working on it!

Gene
1 year ago

Because I suppressed the urge to apply for the new IHG card, I was able to come down from the 5/24 limit this month. Since I don’t have any Chase Ultimate Rewards card, all of them are up for consideration. But none of them by itself will be worth the opportunity cost, so I am staying put. When I do apply, I’ll probably be getting CSR and Freedom Unlimited.

SD Murray
1 year ago

Chase Sapphire Preferred work best for me

Gary Steiger
1 year ago

I am well beyond 5/24, so I am not eligible for any Chase cards. I use all cards generating Ultimate Rewards points to acquire United Airlines miles. I use those to travel.

HH
1 year ago

Over 5/24 right now… So not eligible far a new UR card for a while.

Mara
1 year ago

Unfortunately, I’m not eligible for any of them because of the 5/24 rule. Fortunately, I either have or have had all of the personal Ultimate Rewards learning card!

Nancy M
1 year ago

probably only chase sapphire reserve

Debbie
1 year ago

I’ll be eligible for Freedom or Freedom Unlimited soon.

Kaz
1 year ago

Not eligible for any of them unless Chase changes 5/24 in the future. Favorite way to spend is on Singapore Krisflyer for First Class flights.

Anthony
1 year ago

I have Chase Sapphire Reserve to be eligible and want to transfer for hotel stays!

Marilyn B
1 year ago

Not really eligible for any more. Have the CSP, Freedom and Freedom Unlimited. Husband has CSR, Freedom and Freedom Unlimited. We don’t have any qualifying activity to get a business card (and don’t want to tempt the hand of fate for a shutdown with Chase by fudging an app).
We pool and use our UR points for award flights on United. But would also considering using them for Hyatt stays.

Kathryn
1 year ago

I am eligble for all, but currently waiting about 1 more month until I am under the 5/24 rule! I’m saving point to take my family to Hawaii (either on United or Singapore Airlines)!

Brian
1 year ago

Eligible for all cards…but use the Sapphire card for transfer to hotel stays

Pete
1 year ago

I am eligible for all cards but Chase Sapphire Reserve is my favorite!

Roxanne
1 year ago

Transfer to Singapore Airlines for United Flights!

Shelli
1 year ago

I’m eligible for all of the Chase cards though I don’t have a business so Ink may not be right for me. I have Freedom and Freedom Unlimited cards. I like to save up my points and move them to my checking account for when I’m ready to buy something nice.

Larry B
1 year ago

Eligible for all and use points boringly from EWR to BOS for specialist visits at a hospital.

Denise
1 year ago

eligible for all and I like to use the points for international business flights.

Mitch
1 year ago

I am elegible for all cards. Chase Sapphire is my go to card. All points would be used for a summer vacation in 2019.

Broc
1 year ago

I’m content with Freedom (w/bonus categories) and Sapphire Preferred. It gives me the chance to build balances quickly enough for my needs.

Barbara
1 year ago

I have Chase Ink, Chase Freedom and considering Chase Sapphire Preferred.

Liz
1 year ago

I am eligible for all. I like to use the portal if prices are low.

Ashley
1 year ago

Chase Sapphire preferred and freedom. I use the points to book flights between New Zealand where I live and the US where I’m from. Currently saving for a trip around the world next year.

Dena
1 year ago

Chase Shapphire Preferred

Aja E
1 year ago

In two months, I’m eligible for all of them! Wahoo!

Kevin
1 year ago

Any cards that don’t fall under 5/24 rule

Cathy
1 year ago

I am eligible for all and hadn’t known all the flexibility they offer until now. I will continue to save for a Hyatt vacation somewhere peaceful.

Liz
1 year ago

Chase Sapphire. I’ve scored some real bargain fares on required but not too interesting United tix.

Bradley
1 year ago

They’re generally worth between 1 cent and 5 cents each

Katie Collins Miller
1 year ago

I am eligible for the chase ink business preferred and I am excited to use it for the cell phone insurance!

Mahmoud
1 year ago

I’d love to see more benefits of the card for international travelers!

Casey
1 year ago

I’m maxed out on chase cards due to 5/24, but love to transfer to Hyatt or southwest for great redemption rates!

CB
1 year ago

I am eligible soon for the Ink Business Preferred. I love the idea of using it in conjunction with the Sapphire Preferred and Freedom cards I already have. It is powerful to transfer Ultimate Rewards to airline and hotel partners for free travel.

Kristian
1 year ago

I really would love to see an article on the time value of points, as they have historically changed in value with new offers or changing programs.

Leo
1 year ago

I’ll be eligible for the sapphire reserve in a few months. I’ve transferred the points to United to go to Europe for free.

Linda
1 year ago

I am eligible for the Chase Sapphire Reserve. I currently have a Chase Marriott card.

MB
1 year ago

Eligible for the Reserve still, have Preferred and Freedom, but not eligible for any of the biz ones. Favorite use of points is thru the portal. This article has some good reminders and tips, worth bookmarking 🙂

Joey
1 year ago

I’m eligible for the Chase Freedom. Just started learning how to use points. I think I will be using points by transferring to partners (Hyatt, United).

Lynn
1 year ago

Not eligible for too many of the chase cards because of 5/24. But recently got the IHG card while holding the old one and will soon be able to get the new Hyatt card, but need to cancel the old one. Hope the rules don’t change before I can get the Hyatt card. Thanks!!

Kara
1 year ago

I have the Ink Plus and Freedom. I like to use my Ink Plus for the 5x bonus categories, and my freedom for my quarterly bonuses. They’re versatile and cover a lot of my spending. I’d like to add the sapphire when I’m eligible under 5/24!

Steve
1 year ago

Unfortunately I’m not eligible for any for another six months. I like using chase points for hotels thru their portal.

Mark
1 year ago

I’m afraid since Chase instituded their new 48 month rule, I’m not eligible for ANY UR earning cards right now. My favorite use for UR points is transfers to United Mileage Plus. In fact I just redeemed United miles for a trip for my family to Italy following a UR transfer.

Patty a
1 year ago

I am eligible for the chase freedom

Karon
1 year ago

I am eligible for the Chase Sapphire Reserve card. My favorite way to spend my Ultimate Rewards Points is on vacation travel.

J Scott Thompson
1 year ago

Hi, I’m eligible for the Ink Business Preferred (80k), I’m overseas for another month and will apply upon return to the states. I will use my miles exclusively for United upgrades as I RT between ORD and BKK 3 times a year to be with families in both countries. It’s complicated! 😉

Jamie
1 year ago

Currently I am just under 5/24, but the card I am probably going after anyhow is Hyatt. IHG is actually the one I get the most value from though.

Lane Wood
1 year ago

I’m eligible for the chase ink business preferred and would use it for business class airfare on United to go to London!

Holly
1 year ago

I am over 5/24 right now and have Hyatt and IHG. So of the rest, I would say Iberia would be the one I would go far, but it’s not in my cards (no pun intended) right now.

Walter L.
1 year ago

I am eligible for all of the Chase cards, and love using the points for business class airfare on Singapore or the Star Alliance!

Ernest B
1 year ago

Only two cards I may be eligible for are the Iberia and Aer Lingus Visa Signature cards. I am way over 5/24. I already have the IHG, Hyatt and British Airways cards. I will not apply because I am afraid Chase might cancel all of my cards.

Liz C.
1 year ago

I’m at 3/24 right now and am thinking about getting the Chase Sapphire Reserve.

Doug K
1 year ago

Eligible for all as I am under 5/24 and best use is with Hyatt!

Kyle
1 year ago

I am eligible for many of the Chase cards, including Sapphire Reserve. My favorite way to use the points is to transfer to United and redeem as business award travel.

Kelly
1 year ago

My favorite cards are Sapphire Preferred and the old Ink Plus. I’m not currently eligible for more Chase cards at present due to 5/24 but my favorite way to use UR is to transfer to Hyatt

shlomo schwartz
1 year ago

I am eligible for the Saphire Reserve card. the best use was transferring to British, United and Koran

Steve
1 year ago

In 2 years I can get the sapphire. Burned about every other card earning bonus points. Even got 50k for a business account.

Anthony
1 year ago

I am eligible for the Saphire Reserve card and several Ink business cards. Currently have the old Ink Plus business card that is no longer available. I used points to British Airlines to book flights to Dublin on Air Lingus for our honeymoon.

Caroline
1 year ago

We have the Chase Reserve and Freedom cards and could get more but we haven’t refined our redemption/travel strategy yet.

Chris
1 year ago

My fav way to use Chase UR points has got to be Hyatt…some of their properties that are 8k or 12k per night are fantastic redemptions!

My best was for The Masters at a Hyatt in Augusta GA. They wanted $1299/night for 3 nights totaling over $3900. BUT using Hyatt points that I transferred from Chase UR, it was just 12k per night for a total of 36k points. Thats an amazing redemption value!

Rich
1 year ago

Waiting for a better sign up on the sapphire reserve

Dale
1 year ago

I am plenty above 5/24 right now. But have used a couple hotels and domestic round trip flights through Chase’s ultimate rewards portal. I now look to accumulate points to transfer for better redemption values.

joy
1 year ago

Love Chase UR! Using rewards points from Sapphire preferred, Freedom, Freedom Unlimited…i booked my family of 4 to Cancun in February when my kids are off from school. I also used UR points and World of Hyatt points to book our stay at Hyatt Ziva, all inclusive!!! this trip would have cost me 4300$+

Kristin
1 year ago

Love my Sapphire Preferred Card! Use the points mostly for Hyatt and Southwest.

Loraine
1 year ago

I am eligible for the Ink Business Preferred Card or the Ink Business Unlimited. I currently have the Sapphire Reserve so no Sapphire Preferred for me. And I have the other 3 listed here in my wallet already—I love using my points through the portal for 1.5x redemption or transferring to partners like BA for flights or Hyatt for hotels.

Susan
1 year ago

Would love the Chase Sapphire Reserve but am waiting for them to come out with a better offer, maybe the 100,000 again. Like basic United redemptions to visit friends and family around U.S. Maybe someday aspirational.

Kim
1 year ago

Due to 5/24 rule, I need to wait until beginning of 2019. Ink Preferred is what I am aiming for.

Caroleen
1 year ago

I’m not eligible for the business cards, but I have the Chase Sapphire Reserve and Freedom Unlimited and I love using UR points (so flexible!) for travel! I’ve transferred points to airline programs to book international coach and business class flights (e.g., Singapore Krisflyer). Through the Chase travel portal, I’ve been able to book accommodations (sometimes on sale!) in ex-US towns and islands with no chain hotels (e.g., Koh Lanta [Thailand], Rotorua [New Zealand]). I occasionally transfer points to United when I’m, say, a couple hundred miles short of an award redemption.

Carsten
1 year ago

The Hyatt one and for nice hotels

Don
1 year ago

I would definitely go for the Ink Businness Preferred card. I would get the most spend and enjoy the bonus.

Eric
1 year ago

The Chase ultimate rewards card that I’m eligible for is the Chase Sapphire Preferred. My favorite way to use chase points is to book airline tickets with it.

Elizabeth
1 year ago

I’ve finally dropped below 5/24! Looking to get the chase business ink preferred next. My favorite use of ur points is to send them over to hyatt. Love hyatt properties!

Stuart Falk
1 year ago

I am eligible for all the personal cards, including the Chase Sapphire Reserve. I use my points by transferring them the United Milage Plus and using them for UAL award travel.

Anna
1 year ago

I am eligible for Hyatt card and Ink Unlimited. Love all IR points, best points imo.

Melanie
1 year ago

The last Chase card that I opened is the CSR, so I’m eligible for 4 more personal cards! Of course I use my CSR for all UR points earning!

Quan Phan
1 year ago

I am eligible for all the personal cards, including the Chase Sapphire Reserve. I’ve transferred the points to United to fly open jaw US to Japan and back to US from Taipei.

Maynard D
1 year ago

I’m eligible for all of those cards because I’ve never had one before. I’ve only had the Chase Freedom Card all by itself so I only was eligible for cash back… No points. the Chase Sapphire Reserve looks like the most interesting one to me and when I get it my favorite way to redeem the points would probably be to transfer them over to United Airlines

Joe W
1 year ago

CSR is my go to card for dining and I transfer the points to United and Hyatt for outstanding value.

Kim
1 year ago

Chase Sapphire Reserve and I’m all about the fancy business class for long haul flights.

Amanda
1 year ago

I already have most of the Ultimate reward earning cards, but I have yet to get the Chase Freedom Unlimited! My favorite redemption is no longer available. I transferred 150,000 UR points to Korean Air, and I used the points to fly my family of 6 to Hawaii! I love the flexibility of UR points! They are great for transferring to partners and for travel redemptions from the site.

Vitali
1 year ago

I am eligible for Chase Sapphire Reserve that I have been using for some time now and my favorite way os spending the points is by transfering them to Marriott, BA or United depending on my travel needs

steve
1 year ago

Using the points for airline tickets.

Marshall
1 year ago

I have Chase Freedom and Chase Ink Business Preferred, both great cards for 5x categories.

Harry K
1 year ago

I will be eligible for a new Chase card next month, once I’m passed the 5/24 limit. I plan on getting the Business Ink Preferred card at that point, for the 80,000 point incentive.

Kathy
1 year ago

I’m eligible for the Sapphire and Chase Ink Business Card. I currently have both. I use my points usually for hotel rooms and activities or shows.

Russell
1 year ago

I believe I am maxed out at 5/24. I recently got the car after waiting over a year to clear 5/24

Matt
1 year ago

I’m eligible for all non-business cards. Currently have CSR and Freedom Unlimited, which work amazingly in tandem to build up points. At the moment, I’m just building up points for my honeymoon so we can afford to go somewhere amazing.

Paula
1 year ago

I like the chase freedom unlimited for an extra card. No annual fee & low spend for the bonus. A good addition to my airline cards, I could transfer to Southwest for travel.

JOSEPH
1 year ago

I am eligible for the Chase Sapphire Reserve. My ideal redemption would be to use the points to go to Croatia. YES!!!!!!!!!!!!!!!!!!!!

ScottS
1 year ago

I have had the ink business plus for several years and just got the ink business preferred this spring. My wife and I each have the sapphire preferred, freedom, and freedom unlimited. At this point, we are both above the 5/24, so I am probably switching my CSP to a CSR by the end of the year.
We have made more than a million points with these cards over the last 6 years and continue to maximize our spending on the different categories. We love the UR points!

Theresa
1 year ago

I’m eligible for CSP and CSR but am holding off until I know I can meet the minimum spend. My ideal redemption would be to transfer to a Hyatt property.

Brian
1 year ago

The one I’m eligible for is the Chase Ink Business Unlimited. However, I’m holding off until can re-get the Companion Pass via Southwest cards.

Josh
1 year ago

I love to use my ink cash at office supply stores for gift cards, utility bills, and gas stations, my reserve for travel and dining, my freedom for the quarterly bonus categories (Costco this time), and the unlimited everywhere else.

Sue
1 year ago

Over 5/24 on Chase cards. I would love to have the Chase Ink Business. I use my CSR, Freedom and Freedom Unlimited points for both air travel and hotels. I can get the 1.5 point redemption on all of them by transferring points to the CSR.

Jenny
1 year ago

I think I’d go for the CSR and use the points for an airline or hotel chain where i don’t already have a lot of points or status, say, United.

Laura Maleski
1 year ago

I love our Chase Freedom card. We use our points to travel to see our grandchildren. Makes these trips so affordable now that we are retired. We always get wonderful customer service with Chase.

Kathleen
1 year ago

I’m eligible for any of the Chase travel cards since I don’t have any of them right now. My favorite way to use points is for flights, but I may want to consider some for hotels for a future trip to Europe.

alan
1 year ago

i’m eligible for the chase sapphire reserve card…i like to use it on united airlines..

Peter
1 year ago

Well over 5/24, so can’t apply for new Chase cards, as much as I’d like to.

Caleb Wong
1 year ago

Chase Sapphire Reserve! Would like to do a round the world trip in First class.

Mark
1 year ago

Chase Ink Cash, United flights.

Mary
1 year ago

Sadly, I’m ineligible for any UR cards because of 5/24 rule.

Linda
1 year ago

I have Chase Freedom and Chase Freedom Unlimited

Tricia
1 year ago

We have the Chase Ink Business Preferred the Chase Sapphire Preferred. We’d like to round that out with the Chase Ink Business Unlimited.

Matt
1 year ago

I just got the Chase Sapphire Reserve! Already working on the intro bonus. I’m excited to see all of the things I can do with chase rewards.

GetToThePoints
1 year ago

I am eligible for the Freedom Unlimited, Sapphire Reserve, both the Business Cash and Unlimited and the Business Preferred. I have the others already. So far the best use has been to ease the booking of airline reservations. Chase UR points make this a lot easier than trying to find award seats on the airlines.

Lincoln
1 year ago

I use the Chase trifecta of the Preferred, Unlimited, and the Freedom. I won’t be eligible for more Chase cards for a two years so I’m trying to get as many other cards as possible right now so I can then focus on getting under 5/24. I generally use the points for United and Hyatt!

JRG
1 year ago

I have the CSR; I’ve not done anything with my points yet, including the 100K bonus I got at the beginning.

Brian H
1 year ago

Just got the ink business cash card. Excited for the 50k bonus and 5% categories

Uri
1 year ago

I am eligible for the preferred, not the reserve. My favorite is the IHG card though.

Bradley
1 year ago

I’m eligible for nearly all of the UR cards. My most frequent use is Southwest but my favorite use is Hyatt, I can get some really great value without having to try very hard to do so!

KJ
1 year ago

I have INK business preferred but not eligible until Feb for anymore Chase cards 🙁

Scott
1 year ago

I have the Chase Sapphire Preferred and Freedom and get big value transferring to airlines or Hyatt.

Ronnie Kher
1 year ago

Sapphire Reserve for the points and United to use them. Award ticket rules are fairly simple and taxes are super low. Love it !

Colin H
1 year ago

Sapphire Preferred card for the points and Southwest to use them. Southwest’s flexible ticketing with no fees to cancel or change, plus no extra charge for check-in baggage are major reasons to choose them over any other airline for me.

Pat D
1 year ago

I make good use of my Chase Reserve along with Freedom and Ink business in conjunction with the multiple possibilities Chase Ultimate Reward offers. I have taken so many flights thanks to the many transfer options!

kara
1 year ago

I already have the chase sapphire preferred, but looking into getting chase freedom!

gary
1 year ago

have the CSR. used points for a flight on SAS and xfer to Hyatt.

Bruce Berg
1 year ago

Sapphire Reserve Card!

Bruce Berg
1 year ago

I love using my Sapphire Reserve Card.

Bruce Berg
1 year ago

I love using my Chase Sapphire Reserve card.

Ira
1 year ago

Hyatt is the way to go!

efjx
1 year ago

unfortunately, I’ve got the mix of ur cards so im not eligible for any others.

PJ
1 year ago

I’m waiting due to the 5/24 rule. Love using the portal for flights!

Tom
1 year ago

Chase Reserve card. Used in past to transfer to United. Also used directly to purchase American Airline tickets.

Joe C
1 year ago

Have a few already (CSP, United, Hyatt, Iberia) so I’m going to go for one of the ink biz cards next. Most likely to transfer to United.

Jeff Row
1 year ago

I have the C.S.R. Any time I can fly business class across the oceans

Darcy Vierow
1 year ago

I still don’t have the Chase Freedom card if you can believe that. I love to use my Ultimate Rewards points for United flights.

Bruce
1 year ago

I like the Chase Sapphire Preferred!

David
1 year ago

I am eligible for the Chase Sapphire Preferred and Reserve and am saving up for a 25 year anniversary trip to Hawaii!!!

yvonne
1 year ago

Currently have CSR and Ink. Want to get Freedom and FU, but hesitant to mess with Chase too much. We’ve had some good redemptions with CSR, and would hate to get shut down.

shannon
1 year ago

Chase Sapphire Preferred – just used it to redeem flights on the world’s longest flight!

Nikki
1 year ago

I like my reserve card because of all the programs I can transfer into

P.C,
1 year ago

CS Preferred for topping off various accounts for a free stay or flight

Augustine Park
1 year ago

I have CSP, IBP, IBC, SW Plus and SW Premier. Next one may be the Hyatt card since that’s where I normally stay.

Big Matt
1 year ago

Reserve card for Southwest flights please

JFA
1 year ago

CSR for Hyatt
Just stayed 8 nights in London at Churchill- great hotel

Robin
1 year ago

I just updated my Hyatt credit card to the new one. They’re offering 2000 pts for upgrading and 4x pts on Hyatt purchases. Extra Free night when you spend $15k.

Stacy
1 year ago

Currently none btween both my husband and myself thanks to the new 1/48 rule! But over the past 2 years we have had each of the different UR cards and love to transfer them to Hyatt!

Scott
1 year ago

Have CSP and Ink Bus Preferred, plus Freedom. Eligible for Freedom Unlim and will probably get that soon. I love Chase UR points for international airfare. Most recently my wife and I flew business class to Europe with UR points, saving big money!

Margie
1 year ago

Not eligible for any that earn UR – already have the non-business cards. Love to transfer points to Southwest & BA.

Liz
1 year ago

Got the CSR almost 2 years and have zero regrets, except that I probably should’ve gotten it sooner! I find I usually get better car rental rates through the portal. Currently building up a points stash to burn on honeymoon flights to New Zealand — 3x points on the hotel wedding booking was a key move, 10/10 would recommend!

Linda
1 year ago

Reading all your posts over the last year I have been working to get below 5/24 and get this card – sounds like the best one to have . I should be eligible next month. I have been collecting miles and points for years but never Chase Ultimate rewards . Looking forward to using more of your suggestions.

Elizabeth
1 year ago

I love the chase freedom unlimited but you also need a sapphire card to use the points on airlines.

Buddy H.
1 year ago

I prefer to transfer is to United and SouthWest Airlines. Enjoy reading and learning about Million Mile Secrets!

Laurie T
1 year ago

I have the Chase Sapphire and have been very happy with it. We also have the Freedom, but want to get the freedom unlimited to help bump up the points. I love the built in car rental coverage and insurance!

Jackie
1 year ago

Have the trifecta, and earn a lot of points with the Freedom. Hoping to soon get the Freedom Unlimited Business. We have used our points for some tours that we would not have done while in Rome. We were first entrance to Sistine Chapel and a more in depth tour of the Colosseum. Was definitely worth it for us.

Maggie
1 year ago

I have had Chase Freedom for many years. I use it for car rental.

Kim
1 year ago

I have the CSP abut really need to get then Freedom Unlimited for all those purchases that otherwise only get 1 UR/$

Debbie
1 year ago

I love getting free bags with my United card.

Colleen
1 year ago

Love my Sapphire and using it for Hyatt nights.

Amanda W
1 year ago

I might look into Chase. It looks like I could get the Chase Saphire. I would just have a hard time getting the bonus since I can’t pay rent with a credit card.

Cyndi
1 year ago

I have the Sapphire Preferred, and like to transfer to Hyatt and Southwest.

Bev Cooper Wright
1 year ago

I already have Chase Saphire and Chase Freedom. Chase Saphire Reserve will be next. My favorite way to use Ultimate Rewards points is to transfer them to United Airlines.

Steve
1 year ago

I just got the Chase Sapphire Preferred, so I am currently not able to get another card at the moment due to the 5/24 rule. But my favorite ways to transfer is to United and SouthWest Airlines. Also, I do love Million Mile Secrets!

MARIO Carr
1 year ago

I currently have the sapphire preferred. Have had it for years Hoping to get enough points to fly first class.

Stephanie Butcher
1 year ago

Have chase sapphire. It’s been great. Got 3 nights hotel in Waikiki
And now 2 nights in London

Kevin
1 year ago

Sadly I’m not eligible for any cards now since I’m way over 5/24, however my favorite is the sapphire reserve! IT’s such a good point earning card and has a bunch of other benefits such as trip protection, purchase protection, etc. It also guarantees my UR points are worth at a minimum of 1.5 cents. Hyatt point transfers are always my favorite as they get such consistent value.

Derrek
1 year ago

I’m authorized and have the Chase Sapphire Reserve and Preferred card. With all the travel I do, the extra points on dining and airfare are great!

Kaleend
1 year ago

Currently have CSP and love transferring to airlines for redemption

Aleks D
1 year ago

Chase trifecta is the best thing at the moment

shona
1 year ago

I like the Chase Sapphire- I can transfer to my favorite loyalty programs

DanNatNYC
1 year ago

I’m authorized for the Chases Sapphire Reserve and Chase Freedom .. def need the Ch Sapp reserve to defer points that I accrue on quarterly bonuses on both cards …

So many transfer partners and perks

sully
1 year ago

Currently have the CSR and looking to complete the trifecta soon!

Jeff
1 year ago

I’m an authorized user on CSR and have some room on 5/24. I use UR for United given their published award charts and excursionist benefit.

Gary
1 year ago

None, over 5/24. But waiting for CSR next.

ej
1 year ago

I like the Chase Freedom because of the $0 annual fee and the 5% bonus categories.

Sue
1 year ago

I have CSP. I use the UR to get plane tickets and activities.

tiffany
1 year ago

none—5/24

Jennifer
1 year ago

I have the CSP and am way over 5/24 so I’m not eligible for any of the other cards. But I love to use my Ultimate Rewards points to transfer to Southwest.

Octavian
1 year ago

I use chase points to get me to FSD!!!