Chase Ultimate Rewards Points Can Be Even Better Than Flying an Ultra Low Cost Carrier

August 12, 2019 By Meghan Hunter

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INSIDER SECRET: With Chase Ultimate Rewards points, you can book travel through Chase’s travel portal at a value of up to 1.5 cents per point. That gives you far more options than earning miles from a single loyalty program.

While planning a recent trip, I ended up booking separate one-ways instead of round-trip tickets for me, my daughter and my mother to fly to Denver. On the outbound flight, it made sense to fly the low-cost carrier Frontier, but for the return, I actually saved money ($222 to be exact) by using my Chase Ultimate Rewards points to fly United.

Ultimate Rewards points have rescued me time and time again, as have other flexible rewards currencies. So it’s no wonder a majority of the best credit cards for travel earn flexible rewards.

As you can see, a one-way ticket on United was $74 and on Frontier, the flight was $94. The United flight was in basic economy, so for the most part, it carried the same restrictions as the Frontier flight (no carry-on bag, no seat selection, etc.). I felt I was comparing apples to apples.

But having the Chase Sapphire Reserve, I knew I could use my Ultimate Rewards points to book the United flight through Chase’s travel portal and get 1.5 cents per point for my Ultimate Rewards. The $74 seat on United would only end up costing 4,933 Ultimate Rewards points — a great deal considering one-way tickets within the US normally cost 12,500+ United miles.

Here are my favorite cards for earning Chase Ultimate Rewards points:

Chase Sapphire Preferred Card (Best Ultimate Rewards credit card for beginners)
Chase Sapphire Reserve (Best Ultimate Rewards credit card for frequent travelers)
Ink Business Preferred Credit Card (Best Ultimate Rewards credit card for small-business owners)

I also knew that I could outsmart basic economy by using part of the incidentals credit from my The Business Platinum Card® from American Express to cover the cost of a checked bag.

Be sure to check out our list of the best credit cards to avoid baggage fees. Free-checked-bag perks are common with cobranded airline credit cards, but don’t forget about the other cards that can help you avoid charges for checked baggage. American Express offers several cards that include annual statement credits to cover incidental fees for your preferred airline, including:

The Platinum Card® from American Express: Up to $200 annual statement credit for incidental purchases on one selected airline
The Business Platinum Card® from American Express: Up to $200 annual statement credit for incidental purchases on one selected airline
Hilton Honors Aspire Card from American Express: Up to $250 annual airline-fee credit with the airline of your choice to cover incidental air travel fees

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

These statement credits can cover all sorts of fees like inflight meals, lounge passes and checked baggage fees — but if you want priority boarding you’ll have to choose a cobranded airline credit card.

I can’t emphasize enough how important it is to make earning flexible rewards part of your miles-and-points strategy. If you want to learn more about earning and using Chase Ultimate Rewards points, take a look at these guides:

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Featured image courtesy of stockphoto mania/Shutterstock.

Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Intro APR on purchases

N/A

Regular APR

15.99%-22.99% Variable

Annual Fee

$95

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Rates & Fees

Annual Fee $95

Other

Credit Needed Excellent / Good

Issuer Chase

Card Type Visa

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Meghan Hunter

Contributor

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and general travel. Her work has also appeared in The Points Guy.