All the Ways to Earn Chase Ultimate Rewards Points in 2018!

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

All the Ways to Earn Chase Ultimate Rewards Points in 2018!

AlexAll the Ways to Earn Chase Ultimate Rewards Points in 2018!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Chase Ultimate Rewards are our favorite points to collect because they are easy to earn and valuable to redeem.

They’re also extremely flexible because you can use them through the Chase Ultimate Rewards Travel Portal to book hotels and flights without worrying about award charts or blackout dates.  Plus, when you have certain Chase cards, you can transfer your points to airline and hotel partners like Hyatt, United Airlines, and Southwest.

With current whopper sign-up bonuses, like 80,000 points (worth $1,000+ in travel) after meeting minimum spending requirements on the Ink Business Preferred Credit Card, it’s easy to earn lots of Chase Ultimate Rewards points quickly. 

Chase Ultimate Rewards Points Can Get You to Dream Destinations, Like Paris, Without Having to Spend a Fortune

We’ll show you all the ways to earn Chase Ultimate Rewards points!

Earn Transferable Chase Ultimate Rewards Points With These Cards

These annual-fee Chase Ultimate Rewards cards allow you to transfer points directly to airline and hotel partners.  And you’ll get an increased value when you redeem points through the Chase Ultimate Rewards travel portal.  Here’s more about the value of Chase Ultimate Rewards points you’ll earn with each card.

1.   Chase Sapphire Preferred

Apply Here:   Chase Sapphire Preferred

Read our review of Chase Sapphire Preferred

Many of us on the Million Mile Secrets team got started with the Chase Sapphire Preferred.  In fact, this is the first card we recommend for beginners to miles and points!

With the Chase Sapphire Preferred, you’ll earn 50,000 Chase Ultimate Rewards points (worth $625 in travel) after you spend $4,000 on purchases in the first 3 months from account opening.

You’ll also earn:

  • 2X Chase Ultimate Rewards points per $1 spent on travel purchases
  • 2X Chase Ultimate Rewards points per $1 spent on dining
  • 1X Chase Ultimate Rewards points per $1 spent on everything else

When you have the Chase Sapphire Preferred, you can redeem your points through the Chase Travel Portal at a value of 1.25 cents per point.

Million Mile Secrets Team Member Scott Used His Chase Ultimate Rewards Points to Travel to Europe in a Lie-Flat Seat

The great thing about the Chase Sapphire Preferred is that the $95 annual fee is waived the first year.  So you can try out the card and its perks at no cost before you decide if you want to keep it.  Here’s our review of the Chase Sapphire Preferred.

2.   Chase Sapphire Reserve

Apply Here:   Chase Sapphire Reserve

Read our review of Chase Sapphire Reserve

The Chase Sapphire Reserve card is our favorite travel card for premium rewards.  It also comes with a 50,000 Chase Ultimate Rewards points bonus after you spend $4,000 on purchases in the first 3 months from account opening.

But because Chase Sapphire Reserve cardholders get a value of 1.5 cents per point booking through the Chase Travel Portal, the welcome bonus is worth at least $750 in travel.  And potentially much more when you transfer points to airline and hotel partners.

Being a premium card, there’s a $450 annual fee (NOT waived the first year).  That said, you’ll get up to $300 in credit for travel purchases each year, which effectively brings your net cost to $150 ($450 annual fee – $300 travel credit).  And the earning and other benefits you’ll get can more than offset the annual fee:

  • 3X Chase Ultimate Rewards points on travel (excluding $300 travel credit) & dining worldwide
  • 1X Chase Ultimate Rewards point on all other purchases
  • $300 annual credit every cardmember anniversary for travel purchases such as airfare and hotels
  • $100 statement credit for Global Entry
  • Free Priority Pass Select membership for access to airport lounges
  • No foreign transaction fees
  • Visa Infinite benefits like $25 food and beverage credit at the Luxury Hotel Collection and complimentary car rental elite status with Silvercar
  • Rental car discounts with National Car Rental and Avis

If you travel frequently and can use the perks, this card is worth it.  Keep in mind, you can no longer have more than one Sapphire card at the same time, so you’ll have to pick one between the Chase Sapphire Preferred and Chase Sapphire Reserve.  Check out our full review of the Chase Sapphire Reserve.

3.   Chase Ink Business Preferred

Apply Here:   Ink Business Preferred Credit Card

Read our review of Chase Ink Business Preferred

The Chase Ink Business Preferred currently has the highest bonus of any card that earns Chase Ultimate Rewards points.  Because of the incredible bonus and outstanding benefits, this is our #1 pick for the best business credit card.

With the Chase Ink Business Preferred, you’ll earn 80,000 Chase Ultimate Rewards points (worth $1,000+ in travel) after you spend $5,000 on purchases in the first 3 months after opening your account.  And you’ll also get:

  • 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
  • 1X Chase Ultimate Rewards points on all other purchases
  • Up to $600 in cell phone insurance when you pay your cell phone bill with the card
  • 25% bonus when you redeem points through the Chase Ultimate Rewards travel portal
  • Primary auto rental insurance (CDW) when renting for business purposes, plus purchase and extended warranty protection
Several Million Mile Secrets Team Members Have Side Hustles That Qualify Them for the Ink Business Preferred

The card has a $95 annual fee, which is NOT waived the first year.  But the ongoing benefits, like cell phone insurance, make the card well worth keeping year after year.  Team members Jason, Keith, Meghan, Emily, and Jasmin have the Ink Business Preferred in their wallets!

Chase Ink Business Preferred cardholders can redeem points through the Chase Travel Portal at a rate of 1.25 cents per point.  Check out our review of the Ink Business Preferred.

Add These No-Annual-Fee Cards to Earn Even More Chase Points

Chase offers several no-annual-fee cards which also earn Chase Ultimate Rewards points.  But unless you have one of the annual-fee cards mentioned above, you won’t be able to transfer points to travel partners or redeem them at an improved rate through the Chase Ultimate Rewards travel portal.

By combining points from a no-annual-fee card with one of the premium Chase Ultimate Rewards cards, you’ll increase the value of all your points and have much more flexibility in how you redeem them.  Without an annual-fee card, you’re limited to redeeming your points for cash back or travel at a rate of 1 cent per point.

4.   Chase Ink Business Cash

Apply Here:   Ink Business Cash℠ Credit Card

Read our review of the Ink Business Cash

The Ink Business Cash Credit Card comes with an all-time-high welcome bonus of $500 cash back (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases in the first 3 months of account opening.  That’s an amazing deal for a card with no annual fee!

You’ll also earn:

  • 5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 spent on combined purchases at office supply stores and cell phone, landline, internet, and cable TV services each account anniversary
  • 2% cash back (2X Chase Ultimate Rewards points points per $1) on the first $25,000 spent on combined purchases at gas stations and restaurants.
Scott Uses Combines Purchases Made on His Chase Ink Business Cash Card With His Chase Sapphire Preferred Card to Frequently Travel To Europe.
Team Member Scott Combines Points From His Ink Business Cash Card With Points From Annual-Fee Cards to Frequently Travel To Europe

Here’s our review of the Ink Business Cash!

5.   Chase Ink Business Unlimited

Apply Here:   Ink Business Unlimited Credit Card

Read our review of the Ink Business Unlimited

If you don’t want the hassle of keeping track of bonus spending categories, the Chase Ink Business Unlimited is an excellent pick.  You’ll earn 1.5% cash back (1.5 Chase Ultimate Rewards points per $1) on all purchases with no limits.

The welcome bonus on the Ink Business Unlimited is outstanding for a card with no annual fee.  You’ll earn a $500 cash bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first 3 months of account opening.

Have a look at our review of the Ink Business Unlimited.

6.   Chase Freedom

Read our review of the Chase Freedom

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.

The Chase Freedom is a terrific no-annual-fee card for common expenses.  Each quarter, you can earn 5% cash back (5X Chase Ultimate Rewards points per $1) in rotating categories when you activate the bonus, on up to $1,500 in combined purchases.

After that, and on all other purchases, you will earn 1% cash back (1X Chase Ultimate Rewards point per $1 spent).

With the Chase Freedom card, you’ll earn a $150 cash bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of account opening.

Here’s our Chase Freedom review!

7.   Chase Freedom Unlimited

Read our review of the Chase Freedom Unlimited

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

The Chase Freedom Unlimited is a solid choice for folks who don’t want to worry about bonus categories.  You’ll earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1 spent) on all purchases with no cap.

Folks often carry this card and use it when a purchase falls outside of any bonus category offered by other cards in their wallet.

The Chase Freedom Unlimited offers a $150 cash bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of opening your account.

Earn Even More Chase Ultimate Rewards Points From Bonus Categories

You can easily increase your Chase Ultimate Rewards points earning by having multiple Chase Ultimate Rewards cards that straddle different bonus categories.  By using the right card for certain purchases, you could earn 2X, 3X, or even 5X points!

Here are popular categories for everyday personal and small business purchases where you can earn extra points by using the right Chase card.

Travel Purchases

All 3 annual-fee Chase Ultimate Rewards cards offer bonus points for travel purchases.  And Chase’s definition of travel is very broad!  It includes things like airfare, hotels, car rentals, cruises, travel agencies, trains, taxis, ride share services (like Uber), and more.

  • Chase Sapphire Reserve:   Earn 3X Chase Ultimate Rewards points per $1 on travel worldwide (after earning your $300 travel credit)
  • Chase Ink Business Preferred:   Earn 3X Chase Ultimate Rewards points per $1 on travel up to $150,000 maximum per account anniversary year (combined with other 3X earning categories)
  • Chase Sapphire Preferred  Earn 2X Chase Ultimate Rewards points per $1 on travel worldwide with no limits on how much you can earn

Restaurants & Dining Purchases

There are several high-earning cards for dining purchases.  And dining doesn’t just mean sit-down restaurants – you’ll earn the bonus on fast food and some bars and lounges that serve food, as well.

  • Chase Sapphire Reserve:   Earn 3X Chase Ultimate Rewards points per $1 on dining worldwide
  • Chase Sapphire Preferred:   Earn 2X Chase Ultimate Rewards points per $1 on dining worldwide
  • Chase Ink Business Cash:   Earn 2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 spent on combined purchases at restaurants and gas stations each account anniversary year
5 Outstanding Hyatt Hotels In The Caribbean Mexico
Team Member Jasmin Always Uses Her Chase Sapphire Preferred to Earn 2X Points While Treating Her Kids to Dinner

Since I eat out quite frequently, I earn a lot of Chase Ultimate Rewards points each month from restaurants thanks to the 3X points earning on the Chase Sapphire Reserve.

Groceries

While groceries are a popular spending category for most households, there aren’t any Chase cards that have grocery stores as a permanent bonus category.

However, consider these cards that offer unlimited 1.5% earning (1.5X Chase Ultimate Rewards points per $1) in all categories:

  • Chase Freedom Unlimited:   Earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases with no limits
  • Ink Business Unlimited  Earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases with no limits

We like to keep these cards in our wallets for purchases like this that don’t qualify for bonuses on other Chase cards.  Both of these cards offer unlimited earning and no annual fee.

In the past, grocery stores have sometimes been included in the rotating quarterly bonus categories with the Chase Freedom card.  Each quarter, you can earn 5% cash back (5X Chase Ultimate Rewards points per $1) in rotating categories when you activate the bonus, on up to $1,500 in combined purchases.

Gas Stations

Everyone hates to fill up the car, but it will sting a bit less when you are earning points towards free travel by doing it.

  • Ink Business Cash  Earn 2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 spent on combined purchases at restaurants and gas stations each account anniversary year
  • Ink Business Unlimited:   Earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases with no limits
  • Chase Freedom Unlimited:   Earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases with no limits

The Chase Freedom sometimes includes gas stations as a rotating 5% cash back (5X Chase Ultimate Rewards points per $1) quarterly bonus category.

Office Supplies

Business owners inevitably spend a bunch of money on office supplies.  This could be purchases at stores like Office Depot or Staples.

  • Ink Business Cash:   Earn 5% cash back (5X Chase Ultimate Rewards points per $1) at office supply stores (on up to $25,000 spent on combined purchases at office supply stores, cell phone, landline, internet, and cable TV services each account anniversary year)
  • Ink Business Unlimited:  Earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases (including office supply stores) with no limits
Chase ink Business Cash
Small Business Owners Often Spend Lots at Office Supply Stores – Be Sure to Earn the Most Rewards for Your Purchases

Business Purchases (Shipping, Advertising, etc)

The Ink Business Preferred is the best card to use if you find yourself spending a significant amount on business purchases.  You’ll earn 3X Chase Ultimate Rewards Points per $1 on the first $150,000 you spend (combined) in these categories each anniversary year:

  • Travel
  • Shipping purchases
  • Internet services
  • Cable services
  • Phone services
  • Advertising purchases made with social media sites and search engines

This is a great way to rack up lots of points from purchases you make to keep your business running.  Then you can then redeem these points for a much-needed vacation to get away from the office.  😉

Cell Phone Bill

We all have mobile phones these days, but only 2 of these cards specifically reward you for your cell phone bill spending each month.

  • Chase Ink Business Preferred:   Earn 3X Chase Ultimate Rewards points per $1 spent on phone services (up to $150,000 in combined purchases each year across all other 3X earning categories).  Plus, when you use the Ink Business Preferred to pay your cell phone bill, you also get up to $600 in cell phone insurance.
  • Chase Ink Business Cash:   Earn 5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 spent on combined purchases at office supply stores, cell phones, landline, internet, and cable TV purchases each anniversary year
The Chase Ink Business Preferred Card Earns Bonus Points for Cell Phone Bills, and Comes With Cell Phone Insurance Too!

Some folks have cell phone bills in the hundreds of dollars, so purchase category can really add up to quite a few points each month.

Other Purchases

For other purchases, having one of the unlimited earning cards is the best back-up plan to use when a purchase doesn’t fall into a bonus category.

Both of these cards earn 1.5% cash back (1.5X Chase Ultimate Rewards Points per $1) on all purchases.  There are no categories to remember and no caps!

Boost Your Points Earning by Using the Chase Ultimate Rewards Shopping Portal

Link:   Chase Ultimate Rewards Shopping Portal

It’s possible to double-dip rewards by starting your online shopping at the Chase Ultimate Rewards shopping portalBy adding this simple step, you’ll earn rewards from your credit card and bonus points at dozens of popular retailers – sometimes 10X points per $1 or more!

Earn More Alaska Airlines Miles From Online Holiday Shopping This Season
Make the Most of Your Online Shopping by Going Through the Shop With Chase Portal

That said, it’s always worth checking sites like evreward or CashBack Monitor to see if other portals are paying out more for the store you’re interested in.

Here’s a guide on how to use the Chase Ultimate Rewards shopping portal.

Refer a Friend and Earn a Bonus, Too

When you refer someone and they’re approved for a card through the Chase Refer a Friend program, they’ll earn a bonus and so will you!  So if you already have a Chase Ultimate Rewards card, this is a great way to keep the points coming long after you’ve earned a welcome bonus.

The number of referral points you’ll earn depends on the card, and it’s capped at a maximum number of bonus points per year.  To see which cards you’re eligible to refer, log into your Chase account here.

Does It Make Sense to Have Multiple Chase Ultimate Rewards Credit Cards?

Absolutely.  In fact, we recommend it!

Having more than one Chase Ultimate Rewards card will allow you to use the best card for your purchase to earn the most points.

Million Mile Secrets Team Member Keith Uses All 3 Chase Ink Cards. The Signup Bonuses Alone Earned Him 180,000 Chase Ultimate Rewards Points Worth $2,250.
Million Mile Secrets Team Member Keith Uses All 3 Chase Ink Cards. The Sign-Up Bonuses Alone Earned Him 180,000 Chase Ultimate Rewards Points Worth Thousands of Dollars

The only limitation to keep in mind is that you can only have 1 Chase Sapphire card now.  That means that you’ll have to choose between the Chase Sapphire Reserve and the Chase Sapphire Preferred.  But if you have one of these cards, you can still get any of the other Chase Ultimate Rewards cards.

Keep in mind, the Chase 5/24 rule applies to all Chase Ultimate Rewards cards.  This means if you have opened 5 or more credit cards (from any bank, with the exception of some business cards) in the last 24 months, you won’t be approved.  However, opening a Chase business credit card will not increase your 5/24 count because they’re not included on your personal credit report.

Bottom Line

Earning Chase Ultimate Rewards points is your key to unlocking incredible travel experiences.  They’re our favorite transferable points because of their flexibility – you can redeem them for cash back, travel through the Chase Ultimate Rewards travel portal, or (when you have an annual-fee Chase Ultimate Rewards card) transfer them to valuable travel partners like United Airlines and Hyatt.

The easiest way to earn lots of Chase Ultimate Rewards points quickly is by opening one of these cards:

Don’t forget to make the most of the bonus categories for common expenses some of these cards include!  And to really boost your points earning, consider making online purchases through the Chase Ultimate Rewards shopping portal to double-dip rewards!

If you’ve already got a Chase Ultimate Rewards card, you can earn more bonus points by referring friends to the card.  When they’re approved, they’ll earn a bonus and so will you (up to a maximum number of points per year).

What’s your favorite way to earn (and use) Chase Ultimate Rewards points?

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

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! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

284comments

by Newest
by Best by Newest by Oldest

I love the Freedom unlimited VISA card because : no annual fee, 1.5 % on every purchase , 5% at Costco & Sam for 4ly Promo on top of Chase pay points ~unbeatable! Henry

I love earning on my Chase Freedom Unlimited. Then I combine it with my Chase Sapphire.

Chase freedom

Chase Sapphire Preferred

The Ink Business Cash℠ Credit Card

Load more