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How to Set a Travel Notice for Your Credit Cards

Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

When I worked at a ski rental shop in Breckenridge, Colorado, I witnessed many international (and some out-of-state) customers’ credit cards get declined.

Not because their credit limits were too low or because they were purchasing too much — but because they failed to set up travel notifications with their card issuers.

So now, any time I travel to a foreign country, I always set up a travel notice on my credit card beforehand.

Since I travel with the Chase Sapphire Reserve® (Review), I create a Chase travel notice, but you can take this step with most major credit or debit cards. Here’s how.

What Is a Credit Card Travel Notice?

As a way to prevent fraud , your credit card issuer monitors your spending activity. If it notices a suspicious purchase — in an unusually large amount, or from a new location — it may decline the transaction. This could be more likely in countries where fraud is a bigger problem.

Which is why the answer to the question “Should I notify my credit card company when traveling?” is usually yes.

Although you can often get away with shopping in another state without triggering a red flag, international travel is another story. 

By notifying your credit card of your travel plans, you’ll reduce the chances of getting your transaction declined in the checkout line — which, trust me, is never fun — and having to call your card issuer to verify your purchases. It’s still possible to have your purchases declined after setting a travel notice, but it’s much less likely.

How to Set Up Travel Notices for 8 Major Credit Card Issuers

Ready to create your first travel alert? While you could call your card issuer, it’s easier to do it online.

Here’s how to set up travel notices with eight different credit card issuers.

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Chase travel notice

Because of the company’s abundant travel perks and partnership with the Visa network — which is widely accepted worldwide — Chase cards are a favorite among globetrotters.

You can create Chase travel notifications up to a year in advance for credit cards, and up to 14 days for debit cards. Your travel dates can span an entire year — if you’re away for longer, you’ll simply have to adjust your dates once you’re on the road. Chase will have your request on file within 24 hours from the time you submit.

To set up Chase travel notifications, you’ll need to log in to your account and click on the credit card you plan to use. Under the “Things you can do” dropdown menu on the right, you’ll see the “Travel notification” option. That will take you to your “Profile & Settings” page, where you’ll be able to create a travel alert.

Insider tip

Depending on the type of Chase account you have, the process may be slightly different for you. In any case, just look for your “Profile & Settings” page, and then look for a button to set a travel notice.

Alternatively, if you’re already outside the country, you can call Chase collect at 1-302-594-8200 to alert the issuer of your travel plans.

Setting up a travel notice with the Chase bank app

After logging in to the Chase mobile app, tap the profile icon (this should appear as the outline of a person) and select “My settings.” Choose “Travel” within the settings menu and tap “Update” near any credit or debit card products you’ll be taking.

This will allow you to enter the details for your upcoming trip, which can be edited at a later time. Saving this information will successfully set up a travel notice.

Our favorite Chase travel card: While many Chase credit cards are adventure-ready, we’d recommend the Chase Sapphire Preferred® Card for new travelers. Not only does it earn 2X Chase Ultimate Rewards points per dollar on travel, but you’ll also get a great introductory bonus: 60,000 bonus points after spending $4,000 on purchases in the first 3 months. You’ll also earn 5X Ultimate Rewards points per dollar on Lyft rides and travel purchased through Chase Ultimate Rewards. You can transfer the points you earn to a variety of airline and hotel loyalty programs. The Sapphire Preferred has a $95 annual fee.

American Express travel notice

Surprise! You actually can’t create an Amex travel notice.

On its site, the issuer says it uses “industry-leading fraud detection capabilities” that help it recognize when you’re on the road, thereby eliminating the need to create an American Express travel notification.

The issuer does recommend you update your contact information, so it can reach you in case of any complications, and download the Amex app, so you can manage your account on the go.

Note that Amex credit cards aren’t as widely accepted across the globe. If you’re a frequent international traveler, we’d recommend looking for a card with a Visa or Mastercard logo instead because they’re accepted by most merchants.

Our favorite American Express travel card: For its $695 Rates & Fees annual fee, The Platinum Card® from American Express offers a slew of travel perks. They include extensive airport lounge access; 5X Membership Rewards points per dollar on eligible flights and hotels (starting 1/1/21, on up to $500,000 spent per calendar year); and up to $200 in Uber credits per year. Its introductory bonus is Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu..

Capital One travel notice

As with Amex, there’s no need to set a travel notice for Capital One credit cards.

If you log in and click “Set Travel Notification,” you’ll be greeted by this window:

The issuer, long popular with international travelers for its lack of foreign transaction fees, says: “With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card.”

It notes Capital One will cover you with its $0 fraud liability policy, and will also be on the lookout for any suspicious activity.

Our favorite Capital One travel card: The Capital One Venture Rewards Credit Card is a fantastic, easy-to-use travel rewards card, offering 2X Venture miles per dollar on everything. The introductory bonus is 60,000 bonus miles for spending $3,000 in the first 3 months. It comes with a $95 annual fee.

Bank of America travel notice

Ready to travel with your Bank of America card? Log in to your account, and in the menu at the top right, you’ll see “Help & Support.”

Hover over those words, and a drop-down menu will appear. Click on “Set Travel Notice” — and voila! You’ll be able to add your travel dates and destinations, as well as extra details about your trip, like any planned layovers.

Setting a travel notice with Bank of America.

Bank of America cards allow you to set travel notices up to 60 days in advance, and they can last for up to 90 days. If you’ll be traveling longer than that you’ll need to adjust your travel notice later on.

Our favorite Bank of America travel credit card: If you don’t want to pay an annual fee, the Bank of America® Travel Rewards Credit Card might work for you. You’ll earn 3X points per dollar at the Bank of America travel center and 1.5X points on everything else. After you make $1,000 in purchases in the first 90 days, you’ll earn 25,000 points — enough for a $250 statement credit toward travel purchases.

Citi travel notice

If you have a Citi credit card, the first step is to log in to your account.

Then you should hover over the “Services” button in the menu, and then select “Travel Services.” Next you can select “Manage Travel Notices,” before selecting the card for which you want to set a notice. Unlike some other issuers, you’ll need to set a separate notice for each card you plan to travel with.

Citi advises making sure your contact information is up to date before traveling, and also to download the Citi Mobile App to more easily monitor your account.

Here’s what setting a Citi travel notice looks like:

Setting a travel notice with Citi.

Then, once you fill out your destination and dates and verify your info, you’ll be good to go!

Our favorite Citi travel credit card: The offers a generous 3X ThankYou points per dollar on air travel and at gas stations, restaurants, supermarkets, and hotels. You can earn None. There’s a None annual fee to pay for this card.

Discover travel notice

Although Discover credit cards aren’t the best for traveling internationally, as they aren’t accepted as widely as Visa or Mastercard, you should still set up a travel notice if you bring your Discover card overseas.

You can do this from your online account by selecting “Manage” at the top of your screen, then clicking “Manage Cards” and then “Register Travel.”

Setting a travel notice with Discover.

Our favorite Discover travel card: For a card with no annual fee, the Discover it® Miles isn’t a bad choice. You’ll get 1.5X miles per dollar spent on everything, with double your miles at the end of your first cardholder year.

PNC travel notice

If you have a PNC credit or debit card, the bank recommends you set up a travel notice, explaining: “You typically use your card at local merchants and online, but suddenly you’re buying tapas in Madrid or sushi in Tokyo. This unexpected activity is what triggers the alert. Although less likely, this kind of predicament also can happen when traveling domestically.”

To notify PNC, you can either call the financial institution at 1-888-PNC-BANK or set up an alert online. After logging in to your account, you’ll select: “Customer Service” –> “Account Services” –> “Debit/ATM Card Services” –> “Edit/View Preferences.”

Then, in the bottom right corner of your screen, you’ll see an option to “Notify PNC of Foreign Travel.” After filling it out with your dates, destinations, and phone number, you’ll be ready to go.

Recommended PNC travel credit card: Like the BofA card, the PNC Premier Traveler® Visa Signature® isn’t the best option out there — but it’s fine for PNC loyalists. It offers a 30,000-mile introductory bonus when you spend $3,000 in the first three billing cycles, and 2X miles per dollar spent on everything. Its $85 annual fee is waived the first year.

Wells Fargo travel notice

If you’d like to tell Wells Fargo of your travel plans, you can either call the number on the back of your card, use the bank’s mobile app, or log in to your online account.

If you choose the latter method, you’ll hover over the “Accounts” dropdown menu, then click on “Manage Cards” –> “Manage Travel Plans.” As with the other issuers, you’ll enter your dates and destinations before submitting.

Recommended Wells Fargo travel credit card:  There aren’t any Wells Fargo travel cards at the moment.

If you’d prefer a Visa card from Wells Fargo for traveling, consider the Wells Fargo Active Cash℠ Card . It offers 2% cash back on everything you buy, with a solid introductory bonus, but it also has a foreign transaction fee.

4 Things to Consider When Choosing a Travel Credit Card

If you’re looking for another piece of plastic to add to your wallet, here are four things to consider when choosing the best travel rewards credit card:

• Foreign transaction fees:  Some credit cards charge a 3% fee for making purchases in a foreign currency. If you plan to travel abroad, make sure your chosen card has no foreign transaction fees.
• Annual fees:  Many of the top-tier travel rewards credit cards have hefty annual fees. But before getting scared off, see if the card offers any credits or benifits that offset it. For example, while the Chase Sapphire Reserve® has a $550 annual fee, it also offers a $300 annual travel credit that applies toward flights, car rentals, and even Lyft rides.
• Rewards and perks:  One of the most compelling reasons to get a travel credit card is the opportunity to earn points and miles that you can exchange for free travel. So take a look at your potential card’s introductory bonus and earning ability. You should also read the fine print to learn all about its travel perks, which might include airport lounge access or travel insurance.
• Loyalty programs: The majority of hotel chains and airlines have co-branded cards that earn additional rewards when you spend money with them. So if you are loyal to a particular brand, it’s wise to consider the co-branded options. For hotel cards, examples include the IHG® Rewards Club Premier Credit Card, Marriott Bonvoy Boundless™ Credit Card, and The World of Hyatt Credit Card. For airline cards, you can choose from options like the United℠ Explorer Card or Southwest Rapid Rewards® Plus Credit Card.

Whichever card you choose, be sure to set a travel notice before you board your next train or cruise or flight — and then enjoy your vacation free of worries!

You don’t have to stick to “travel credit cards” just because you want to, you know, travel with your credit card. As long as you set up a travel notification when you go, you can use any card you’d like. So, in case they’re a better fit, here are links to the best cash back, balance transfer, and 0% intro APR credit cards.

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Here’s How to Quickly Notify the Bank About Your Travel Plans to Avoid a Declined Card Overseas!

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It’s usually a good idea to notify your bank about any international travel plans .  This way, the bank won’t be surprised to see unusual charges on your account.

Million Mile Secrets team member Scott calls the number on the back of his Chase Sapphire Preferred Card to set travel alerts .  Because a human picks up the phone right away.  But now he’ll consider doing it online this way instead.

It can be a headache if your account is frozen by the bank (unable to make purchases) while attempting to pay for a souvenir or meal in a foreign country.

If you have a Chase debit or credit card, you can quickly set up travel notifications online .

You can also notify banks about international travel by calling the number on the back of your card.  But some folks might prefer the convenience of doing it online!

Easy 4-Step Guide to Set up Travel Notifications for Chase Card Accounts

Step 1.   log-in to your chase account.

First, log-in to your Chase account .

Keep in mind, you can NOT set up travel notices using the Chase mobile app.  So you’ll have to log-in on your desktop or on mobile web browser.

Step 2.   Go to the “Profile & Settings” Under the Account Management Tab

Once you log-in, you can click on “ Account Management ”  in the top navigation bar, and then click “ Profile & Settings “ .

Step 3.   Click “Travel” at the Bottom of the Left Menu

Scroll to the bottom of the menu on the left to find the “ Travel ” tab.  Click it, and, you’ll see an “ Update ” link to the right of the page, where you can inform Chase about your upcoming globetrottery.

Step 4.   Enter Your International Trip Details

Now, it’s time to enter your trip details.

If you’re creating a travel notification for your credit card account, simply enter your travel dates and destinations .

You can create a travel notification for your credit card accounts 1 year before your departure.  That’s great for folks who like to plan ahead. 😉

It’s a similar process to set up an alert if you have a Chase debit card.  One minor difference is you have to manually select the debit card or checking account you’d like to establish the notification for.

Keep in mind, you can only create a notification for debit cards 14 days prior to your travel dates.

Use These Chase Cards to Save Money on Transaction Fees!

Lots of credit cards charge up to  3 % when you use them for transactions in a foreign country.  But many Chase cards have  NO foreign transaction fees !

So not only is it easy to set up travel notifications with your Chase cards, but you can save money too.  If you’re traveling overseas, you’ll want to use a Chase card like:

• Chase Sapphire Preferred® Card (our favorite card for beginners using travel miles and points)
• Ink Business Preferred Credit Card (our favorite card for small business owners!)
• IHG® Rewards Premier Credit Card (a fantastic hotel credit card)

We also really like this travel credit card for international trips:

• Capital One® Venture® Rewards Credit Card (our #1 card for easy-to-use miles)

Here’s our post with the best travel credit cards !

Here’s our post with the best no-foreign-transaction fee credit cards!

Bottom Line

When you’re traveling internationally, you can call Chase to notify them about your plans so your credit cards and debit cards don’t get declined.  But it’s just as easy to set up a travel notification online .

You can do it in 4 quick steps .  Simply log-in to your Chase account .  Then, create separate notifications for your debit and credit card accounts.

While abroad, don’t forget to use a Chase card with no foreign transaction fees , like the Chase Sapphire Preferred!

Other Popular Million Mile Secrets Articles to Read

• Earn more rewards with the best credit cards for eBay sellers !
• Make of the most of your rewards with our Ultimate Guide to American Airlines miles !
• Unlock the freedom to travel with AMEX Membership Rewards points !
• This is the best way to book JetBlue Mint Class with points!
• Southwest doesn’t have change or cancellation fees , here’s how to make changes when you need to

Don’t forget to subscribe to the Million Mile Secrets daily email newsletter for more tips, tricks, and insights into traveling for free.

Million Mile Secrets

Contributor

Million Mile Secrets features a team of points and miles experts who have traveled to over 80 countries and have used 60+ credit cards responsibly to accumulate loyalty points and travel the world on the cheap! The Million Mile Secrets team has been featured on The Points Guy, TIME, Yahoo Finance and many other leading points & miles media outlets.

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Chase Travel Portal Review: (Airlines, Hotels, Car Rentals, Cruises) [2021]

The Chase Travel Portal can be one of the best ways to utilize your hard-earned reward points.

But how exactly does the Chase Travel Portal work and is it worth using?

This review article will walk you through step-by-step on how to use the portal for all forms of travel (airlines, hotels, rental cars, cruises) and I’ll also look at if travel through the portal is more expensive. 

But most importantly, I’ll show you when to use and NOT use the Chase Travel Portal in order to maximize the value of your points!

Table of Contents

What is the Chase Travel Portal?

The Chase Travel Portal is an exclusive online travel agency (OTA) powered by Expedia that allows select Chase cardholders to book travel with their Ultimate Rewards or by paying via a credit card.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

How do I get access to the Chase Travel Portal

This travel portal is only for Individuals with Ultimate Rewards earning Chase cards. So if you had a card like a Chase Southwest credit card you would not get access. Instead, you would need one of the following cards:

• Chase Freedom
• Chase Freedom Unlimited
• Chase Ink Cash
• Chase Ink Business Preferred
• Chase Ink Unlimited
• Chase Sapphire Preferred
• Chase Sapphire Reserve

Chase Travel Portal redemption values

When you use your Ultimate Rewards points to book travel you’ll get different levels of value from your Chase Ultimate Rewards earning credit cards, depending on the type of card that is used.

Take a look at how each point is valued based on the card you are using:

• Chase Freedom : 1 cent per point
• Chase Freedom Unlimited:  1 cent per point
• Chase Ink Cash:  1 cent per point
• Chase Ink Unlimited:  1 cent per point
• Chase Ink Business Preferred: 1.25 cents per point
• Chase Sapphire Preferred:  1.25 cents per point
• Chase Sapphire Reserve: 1.5 cents per point

Keep in mind that you can transfer Ultimate Rewards between spouses and household members so you can also use the card between you and others that has the best redemption rates for your travels.

The Sapphire Reserve with the 1.5 cents per point redemption rate is one of the top benefits of the Sapphire Reserve. It makes it much more tempting (and worthwhile) to use your points for travel redemptions when using the Chase Travel Portal.

But the Sapphire Reserve comes with a number of other stout perks including:

• $300 travel credit
• DoorDash $60 Credit
• 3X on dining and travel
• Priority Pass (with restaurant credits )
• TSA Pre-Check / Global Entry $100 credit
• Primary rental car insurance
• Annual fee: $550 (not waived first year)

All of these perks make the Sapphire Reserve one of the top travel credit cards on the market without a doubt.

Point values compared to to other programs (Amex)

You can get a sense of how great the value is with the Sapphire Reserve’s portal redemption rate by comparing its rate to other programs.

Just take a look at the Amex Travel porta l. For airfare you can redeem Amex Membership Rewards at a rate of 1 cent per point but things aren’t as good for other travel redemptions. For hotels, vacations, and cruises you’ll be redeeming at 0.7 cent per point.

So as you can see, redeeming points through the Chase Travel Portal with the Sapphire Reserve is much more lucrative than utilizing points with some other travel portals. 

Chase Travel partners

Chase allows you to use your points to travel in different ways. You can either use the Chase Travel Portal or you can transfer your points out to transfer partners.

Chase travel partners

Chase has a great line-up of airlines and also has the best hotel selection out of any other major transferrable points program, in my opinion.

Here are all of the current Chase transfer partners:

Chase Ultimate Rewards Airlines

• British Airways Executive Club
• Flying Blue (Air France/KLM)
• Iberia Airways
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club

Chase Ultimate Rewards Hotels

• World of Hyatt
• IHG Rewards Club
• Marriott Bonvoy

Whether or not you should transfer points to these partners depends on a few factors and I will discuss those below when giving advice on when to use and not use the travel portal.

How do I use the Chase Travel Portal?

• Log-in to your Chase Ultimate Rewards dashboard
• Click on the travel button on the side panel
• Select your type of travel
• Book and enjoy!

Log-in to your Chase account

The first step to access the travel portal is to simply log-in to your Ultimate Rewards dashboard. You can  log-in to the travel portal here .

Click on the travel button on the side bar

Once you are in the Ultimate Rewards dashboard you need to pull up the Chase Travel Portal by selecting travel. Simply navigate to the side panel and you will see the travel menu button.

Select for your type of travel

Once you are in the travel portal, you will need to select the type of travel that you were interested in booking. Here are the different types of travel that you can choose from:

• Flights 
• Cruises 

Things to do

Vacation rentals.

The last step is to simply book your travel.

Keep reading below for more details on how to get to that step.

When to NOT use the Chase Travel Portal

There are a number of reasons why you might not want to use the portal.

Outsized value

One of the biggest reasons to NOT use the Chase Travel Portal is because you can get so much more value when transferring points to travel partners.

When you book through the Chase Travel Portal you are limited to the point value of the credit card account that you are using for the portal.

So if you have the Chase Sapphire Reserve, you’re only going to get 1.5 cents per point out of your redemptions. That sounds impressive until you realize that if you transfer your points out to travel partners you could be getting redemptions at well over 10 cents per point.

So the benefit of transferring points is that you can receive amazing outsized value for your points that’s just not possible with the Chase Travel Portal.

Unforgettable travel experiences

And it’s just not about the monetary value, transferring points out to airlines allows you to experience some truly unforgettable flying experiences.

That’s because you’re able to fly in business class and first class cabins in some of the top airlines. You can experience your own private suites and live the high life rather than being stuck in economy.

These tickets can also get you access into some of the top airline lounges in the world for an unforgettable luxury experience. I’ve had some of my most memorable flights because of Chase Ultimate Rewards and some of the experiences that stick out are:

• First Class on the Korean Air A380
• First Class on the new Singapore Airlines A380
• Upper Class on the Virgin Atlantic 787 
• First Class on the British Airways 747

If I would have used my points to book travel through the Chase Travel Portal, I would have never gotten a chance to experience those amazing flights.

Hotels can offer cases of outsized value, too. I recently finished a stay at the Park Hyatt Paris-Vedome and received over 3 cents per point in value. 

I would have been limited to 1.5 cents per point with the Chase Travel Portal so transferring points would have made a lot more sense.

Hotel perks

One of the main reasons why you’d want to avoid the travel portal is when booking hotel stays.

That’s because when you use an OTA, there’s a chance that you won’t receive all of your elite benefits/credits and you won’t earn hotel points for the stay.

So if you’re a Hilton Gold member for example you might not receive your free breakfast and potential upgrade that you would have had. Some programs won’t even allow you to get complimentary wifi unless you book directly.

The good news is that sometimes you can still get these perks.

You just need to call into the hotel beforehand and give them your elite information. If you do that and work a little charm at check-in you might be surprised to receive your elite benefits.

When to use the Chase Travel Portal

There are sometimes when it really makes sense to use the Chase Travel Portal.

Cheap domestic flights

Sometimes flights are pretty cheap and it makes way more sense to just use the portal to book them.

For example, if you wanted to fly on United Airlines from Houston to Orlando, you may have to transfer 25,000 Chase Ultimate Rewards for a roundtrip flight in economy.

But if you used the travel portal, you’d be able to book that Orlando flight for much cheaper during many times of the year and potentially save thousands of points.

You will still earn your frequent flyer miles, too, so there’s no loss in value there.

Cheaper hotels

The same principle applies to hotel stays as well. Sometimes it will just be cheaper to book through the portal than to transfer your reward points.

The major exception to this is Hyatt which often has point redemptions worth over 1.5 cents per point.

You’ve also got to really think about the value you might be losing out on if you don’t receive your elite benefits. It’s not hard for two free breakfasts to add up quick on a trip and if you’re giving that up, it might be more worthwhile to ditch the portal for that booking.

Not good with points

The thing about transferring points is that you need to aware of how the process works. You need to know how to transfer your points and how to use those points efficiently once you have them.

Then you’ve got to deal with finding award inventory, black-out dates, and the actual booking process which can be tricky with some foreign airlines.

Not everybody has the time to learn how to do that (or even the desire to do it). And for those people, the Chase Travel Portal is often a much better suited option.

Booking different travel types

Since this is powered by Expedia , you’ll find robust filters for searching and filtering your particular type of travel. But just to give you an idea of all the possibilities, I’ve broken down some example search filters below for the different types of travel.

Chase Travel Portal Flights

The Chase Travel Portal allows you to easily search for flights.

Simply input your departure location and your destination, along with dates and passengers. You can also choose to search with your preferred airline or preferred class by using the “Advanced options.”

When I searched, the Chase Travel Portal pulled prices listed from the cheapest flights (which was directly on par with the lowest prices found in Google Flights).

I should note that many people complain about the pricing found on the portal and claim that many flights are also missing. So I would always double check the pricing with Google Flights and if I still had questions then I would just call the Chase Travel Portal number at 1-866-418-8872. 

Also, be on the lookout for basic economy fares like the one below which state “Basic Economy” under Select.

You can utilize several filters to narrow down the results including nonstop flights and also by airlines and preferences for departure time and arrival time.

You can also search the prices with the flexible dates feature. I prefer this search feature as it’s easy to spot the cheapest roundtrip prices and compare them to other websites.

Once you select your flights, you’ll be taken to another screen where you’ll need to confirm or upgrade your fare class. You’ll see the prices for upgrades and be able to confirm the options that your fare has or doesn’t have, such as seat choice.

At the next screen you’ll need to enter the names of the travelers and you’ll have a chance to enter in credentials for things like TSA Pre-Check and frequent flyer information.

You’ll also be able to choose how you want to pay for the travel. You can choose to pay with points, credit card, or a combination of the two. You’ll then confirm your booking on that screen.

Note that all booked flights can be canceled within 24 hours. 

Booking flights on Southwest

Southwest flights do not show up on the Chase Travel Portal. However, you can call in to request a booking with Southwest Airlines if you’d like.

Where can I view my flight booking confirmation?

• Go to My Trips to view, email, or print your itinerary or receipt.
• View your confirmation email.

How to change your seat

For most flights, you can choose your seat during booking. Chase should send your seat selection to the airline at the time of booking, but they note that they cannot guarantee your seat assignment.

You can access your seat assignment for most flights in your itinerary , or when you view your flight booking confirmation .

Your seat selection may not be confirmed if you:

• Booked a fare with an airline that assigns seats at the gate
• Booked a Basic Economy fare which doesn’t allow seat selection

Chase Travel Portal Hotels

The search feature for hotels is pretty standard as well.

There are a lot of helpful filters that you can apply to help you efficiently search for the right hotel.

Some of these include:

Property Class

This allows you to sort by star ratings.

Price Per Night

Sort properties based on price.

Vacation Rental Bedrooms

• Bedrooms 4+ Bedrooms

Guest Rating

• Exceptional!

Neighborhood

Sort through many local neighborhoods.

• High-speed Internet
• Air conditioning
• Swimming pool
• Breakfast Included
• Babysitting service
• Business services
• Childcare Children’s club
• Fitness equipment
• Airport Transportation
• Included Newspaper
• Included Parking
• Included Hair dryer
• Kitchenette
• Laundry facilities
• Dry cleaning/laundry service
• Pets allowed(conditions apply)
• Restaurant in hotel
• Room service
• Spa services on site

Property Type

• Apartment Hotel
• Private vacation home
• Guest house
• Bed & Breakfast Hostel/Backpacker accommodation
• Apart-hotel
• Country House
• Chalet Hotel resort
• Hostel (Budget Hotel)

Popular Locations

You can even search based on popular locations. Here are some examples from London that I found when searching for a hotel.

• Tower of London
• University of London
• London Bridge
• London Dungeon
• Buckingham Palace
• St. Paul’s Cathedral
• Olympic Stadium
• University College London
• East London Mosque
• Museum of London
• Natural History Museum
• Wembley Stadium
• London Stock Exchange
• Chessington World of Adventures

Accessibility

Accessible bathroom In-room accessibility roll-in shower.

Hotel pricing might be on the cheaper side sometimes or it may not.

For the most part, I’ve always found competitive prices but I would highly recommend that you check the prices with other OTAs before booking. Just like with airfare, there are plenty of reports of the portal not displaying the best prices for hotels.

Whenever you finally find the hotel you were interested in, be sure to view the cancellation policy. You should find it in green next to the room description and also under “price details.”

Chase Travel Portal Rental Cars

Searching for rental cars is pretty straightforward as well.

There are advanced search options for searching for car by type and by rental company. You can also filter for special equipment for things like infant seats, snow chains, navigation system, etc.

You can also find things to do in the Chase Travel Portal. You’ll find many of the major tourist options in the search results but there will be some unique things to do like craft beer tours.

What’s cool about these activities is that you can truly travel for free if you use your points. It’s pretty easy to cover hotels and airfare with points but it’s much more difficult to cover an entire trip with points (including activities).

With the Travel Portal, this is a possibility though.

What kind of activities show up?

When I searched for San Francisco, it pulled “154 things to do.”

Some examples of the things to do that popped up were:

• Golden Gate Bridge Tour
• Alcatraz Tour 
• San Francisco Mega Pass
• Yosemite National Park tour 
• Napa Valley wine tasting tour 
• San Francisco Museum of Modern Art

You can then sort the activities based on certain criteria.

Recommendations

• Local Expert Picks
• Family Friendly
• Likely To Sell Out
• New on Chase Travel
• Tours & Sightseeing
• Walking & Bike Tours
• Day Trips & Excursions
• Cruises & Water Tours
• Air, Balloon & Helicopter Tours
• Hop-on Hop-off
• Private Tours
• Attractions
• Food & Drink
• Sightseeing Passes
• Multi-Day & Extended Tours
• Water Activities

Transportation

• Shared transportation

You can also book vacation rentals through the portal.

Chase Travel Portal Cruises

You can book cruises with points, your Chase card, or both. Here are some examples of cruise lines and cruise ships you can find in the Chase Travel Portal.

• Celebrity Cruises Celebrity Equinox
• Norwegian Cruise Line Norwegian Jade
• Norwegian Cruise Line Norwegian Gem
• Norwegian Cruise Line Norwegian Pearl
• Princess Cruises Regal Princess
• Royal Caribbean International Allure of the Seas
• Royal Caribbean’s Anthem of the Seas
• Royal Caribbean International Harmony of the Seas
• Royal Caribbean International Oasis of the Seas

For cruise information, call 1-866-951-6592 .

Travel profile

Under your Travel profile you can edit your travel details including:

Frequent Flyer Membership

This is where you’ll enter your frequent flyer numbers for various programs like United, Delta, American Airlines, etc.

Personal Info

This is where you can enter your personal contact information.

Flight Preferences

You can set your flight presences for things like window or aisle seats (sorry, no preference available for the middle seat).

Known Traveler Number and  Redress Number . The  Known Traveler Number will allow you to receive benefits like TSA Pre-Check or Global Entry if you are signed up for them.

Chase Travel Portal Promo code

Chase will sometimes send out emails with special promo codes for the Chase Travel Portal.

For example, there once was a code for $100 off $300.

However, it’s not clear who exactly gets targeted for these offers and they seem to be pretty rare so I wouldn’t go around expecting them to arrive in your inbox.

I’m not aware of publicly available promo codes.

If you do get a code it can be entered at checkout.

Price match

Others have tried their luck with seeking a price match from Chase but they haven’t been successful.

If you have any luck report back with your data points!

Chase Travel Portal (in the App)

You can use the Chase Mobile App to search and book travel through the Chase Travel Portal.

First, you just need to log-in to your Chase app on your mobile device.

Then select the “…” next to the card that you’d like to use and select “Redeem rewards.”

Next hit the three bars at the top of the screen and then select “”Travel” and that will take you right to the Chase Travel Portal on the mobile app.

Refunds and Cancellations

There are always a lot of non-refundable options when dealing with booking travel through an OTA so you always want to be on the lookout for any bookings that won’t allow you to collect a refund.

You can cancel most flight bookings online.

Keep in mind that for airfare if you cancel within 24 hours, there are usually no cancellation fees.

If you cancel a non-refundable flight reservation, the airline may issue you a flight credit for a future booking instead of a refund.

But note that some flight reservations are not eligible for a flight credit after cancellation. Canceling one of these will force you to lose the value of your ticket.

To cancel your flight booking online

• Go to My Trips to view your bookings.
• In Upcoming, select the itinerary you wish to cancel.
• Select Cancel Flight under Manage Booking

Chase allows you to cancel most hotel bookings online.

If your hotel’s free cancellation deadline has passed, you will have to pay a cancel fee and if you booked a non-refundable hotel, you will have to pay the entire cost of your stay.

To cancel your hotel booking

• In Manage Booking, select Cancel Room and follow the instructions.

Chase Travel Portal Phone Number

To speak to a Chase Travel Specialist, call 1-866-418-8872 .

Advisors specializing in flights, hotels, car rentals and activities are available 24 hours a day, 7 days a week, 365 days a year.

Advisors specializing in cruises are available Monday to Friday, 9 a.m. to 9 p.m. ET, and Saturday 9 a.m. to 5 p.m. ET.

The Chase Travel Portal is just one of the many type of OTAs that you can find online. Here are some other OTAs and OTA aggregators you might consider trying out:

1. Bonwi 2. Expedia 3. Booking.com 4. Hotels.com 5. Orbitz 6. HotelTonight 7. Priceline 8. Hostelworld 9. Kayak.com 10. Hotwire.com 11. Hotelscombined.com 12. Agoda.com 13. Trivago

You can read more about these OTAs here .

Since the Chase Travel Portal is powered by Expedia you’d expect their results to be identical but I know from experience that things can get tricky on OTAs so I’d always double check the prices elsewhere before booking.

Chase travel notifications/alerts

The Chase Travel Portal will have travel notifications for certain countries if applicable and you should be able to see those when you log-in.

You should obviously do follow-up research with the US State Department and Centers for Disease Control and Prevention (CDC) to ensure there are no travel advisories even if the Chase travel portal doesn’t mention these.

Also, if you’re wanting to set Chase travel notifications so that your debit card or credit card won’t have issues abroad, you can read how to do that here . 

Chase Shopping portal

If you’d like to utilize Ultimate Rewards to shop you can use your points at Amazon or to purchase gift cards. But if you’d like to earn more Ultimate Rewards via your shopping then consider trying out the Chase Shopping Portal where you can earn points when you shop at retailers including:

• American Eagle
• Under Armour
• Neiman Marcus
• And many, many more…

Read more about the portal here. 

Chase Travel Portal not working?

For the longest time I though that the Chase Travel Portal was down but it turns out that there was caching issue with my computer.

All I had to do was clear out my browsing history (or use an Incognito browser) and I was able to log-in and search for travel.

The portal might not be working from time to time but I’d also try to clear your browsing history/cache and see if that works if you ever run into performance issues.

The Chase Travel Portal is a great way to truly travel for free and in many instances it can be a much more valuable use of points.

The key is to be aware of what benefits you might be missing out on and to always compare prices across OTAs so make sure you’re getting a great deal.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

I regularly buy airline tickets through the Chase Travel Portal, because airfares tend to be identical on all sites, and the Chase portal gives me 5x points for using my Sapphire Preferred card. However, when it comes to hotels, I have found Chase’s room rates to be higher than on other OTAs, or the hotel websites. Part of this is because Chase does not honor AARP, AAA, or other discounts, but even the standard base rates are a few dollars higher at Chase. Also, you do not earn Hilton or Marriott points when you book through Chase. To book hotels, I go directly to the hotel website, and use my Chase Ink card, where I earn 3x points for ALL travel. The additional 2x points I could earn on the Chase site are not worth the higher rates and reduction in benefits.

Follow up to a June 19, 2022 post. I previously explained why I would not use the Chase Travel Portal for hotels or car rentals, though I would use it for flights. That is no longer the case, and I will not use Chase for anything. I recently bought my daughter a $1,900 ticket for a trip to Africa with a charity, which was canceled due to an ebola outbreak. The purchase confirmation email clearly indicated that the fare was refundable. After watching my statements for two cycles, there was no refund, so I had to call customer service. They had no record of the cancellation, even though I had an email confirmation of it. After more than an hour on the phone, they told me that I would only get a credit, not a refund. The credit cannot be used on line, so I will have to call them to use it, just like in the 1980s. Worse still, the credit must be used all at once. This was an unusual case to purchase an international flight, and it will be impossible to spend the entire $1,900 credit on a domestic flight. So, I will effectively be screwed out of $1,000+ dollars. Had I purchased the ticket directly from United, I would have gotten a refund, or at least a credit that could be used in increments toward several future flights. Chase is using deceptive practices and stealing money from customers.

The attraction to Chase Travel of the 5x reward points isn’t out weighing the poor offerings of flight schedules, the overall portal features, like travel itinerary data made available. But worst of all is the customer service provided when you call in and the lack of notice on critical schduled changes. An upcoming international trip was my first booking with Chase Travel. I’m in shock that Chase would provide or sub-contract this highly valued benefit/service with such a low level of professionalizm and such a poor portal, when compared to other well known sites. I’ve reported my experiences (which was difficult in itself) to Chase, but with little expectation that they cared. I don’t plan to use the offering again until improvements are made.

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Navigating through the Chase app isn’t always intuitive simply because you can do so much on it. Overall, much of what you can do on Chase.com, you can also do on the app. With so many Chase card offerings, it’s hard to beat the convenience of being able to manage all your accounts together in one place, from anywhere.

» MORE: See NerdWallet’s best Chase credit cards

The Chase mobile app includes basically everything but the kitchen sink. You can complete typical tasks like paying bills and reviewing statements, as well as manage your points in the complicated Chase Ultimate Rewards ® program, opt in to pay-over-time deals for certain purchases and more.

Secure login

You can either manually enter your username and password, or opt to use facial recognition or a fingerprint for a faster login. The app will log you out after a period of inactivity.

Monitoring transactions and trends

The app makes it easy to see where your money goes and keep an eye out for suspicious charges. You can see up to 24 months of transactions and up to seven years of credit card statements. Plus, get a breakdown of your spending by category to track trends and see if it's in line with your budget.

Staying secure

If you misplaced your card, you can lock it in the app, which will block new purchases, balance transfers and cash advances from your account. You can unlock your card if it was between your couch cushions all along.

The app allows you to dispute a charge with Chase if you were incorrectly charged for a purchase, or if you tried to cancel a recurring charge but were charged anyway. If you notice a transaction that you didn’t make (or an authorized user didn’t make), Chase recommends that you call the number on the back of the card to report fraudulent activity.

Access to all your Chase cards

If you carry multiple Chase cards, you’ll have access to all of them in the app. Holders of both business and consumer cards can toggle between those lists of cards on the home screen. If you have Chase checking, savings, mortgage, auto loan or personal loan accounts, they'll also show up on your dashboard when you sign in.

Customized navigation

You can add and remove “quick actions” on the home screen, making it possible to partially customize the app and speed up access to specific features. Options include shortcut buttons to bill payment, bill activities, statements and documents, Chase Ultimate Rewards®, ATM or bank branch locations, travel notifications, lost card replacement, showing or hiding accounts, and managing user security features.

Paying bills

Pay your credit card bills in the app, either manually or by setting up automatic recurring payments. You can connect bank accounts as payment methods through the app as well. Plus, set up push notifications to get an alert when a payment due date is coming up or when your checking account is overdrawn.

Chase Ultimate Rewards®

Check your rewards balances and redeem points in the app. If one or more of your cards earns Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card or the Chase Freedom Flex℠ , you can also use those points to book travel right in the app, and combine Ultimate Rewards® points earned across multiple cards.

My Chase Plan

Select a purchase of $100 or more to divide into equal monthly payments with My Chase Plan. You won’t pay interest, but there is a fixed monthly fee associated with using this service. In the app, you can choose between several payment plan options.

Chase Offers

Easily opt in to Chase Offers for each of your cards to automatically save on an upcoming purchase with participating merchants. Chase Offers change over time, so check the app on a regular basis to see where you can save.

Credit score monitoring

Chase Credit Journey can help you keep tabs on your credit score for free, whether or not you’re a current Chase customer. It also includes credit monitoring, identity theft insurance, alerts when there are changes in your credit report, and resources to help you build credit. The credit score through this tool is a VantageScore 3.0 credit score based on TransUnion data. Because lenders use different credit scoring models when evaluating loan applications, the credit score you see here may differ from your score when applying for various financial products.

The Chase mobile app isn’t equipped with in-app customer service messaging, so there’s no message or chat option. You can visit the Secure Message Center, but you’ll be connected with a bot that leads you to helpful links rather than connecting directly with a representative.

Since the app offers so many features, some users find it a bit overwhelming and hard to navigate.

Desktop vs. mobile

When it comes to managing your accounts, credit card rewards and more, most tasks can be done on both the mobile app and your desktop. You can even open new checking and savings accounts, certificates of deposit and credit cards through the app. For other actions, like applying for a mortgage or auto loan, the app will redirect you to the mobile version of Chase.com. So there are still some banking tasks that need to be completed on the desktop version.

When you visit the Chase website you can send a secure message to customer service, but you can’t send messages from the app.

Because there are slight design variations between Chase.com and the Chase app, it’s just a matter of familiarizing yourself with them both.

Ranked third out of 11 major credit card issuers — J.D. Power 2020 U.S. Credit Card Mobile App Satisfaction Study.

4.8/5 — Apple's App Store (rating as of March 2021).

4.4/5 — Google Play Store (rating as of March 2021).

on Chase's website

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Chase app review: Everything you need to know

The largest bank in the u.s. has a robust mobile app to boot — including a customized budget and daily spending insights.

Tom's Guide Verdict

The Chase app is more than just an account management tool. It's packed with many bonus features to help you improve your finances — from a built-in budget planner to a daily snapshot tool that gives you spending insights at a glance.

Easy and free to use

• Manage all your Chase accounts in one place

Free credit monitoring

Tools to help you build good financial habits

No in-app chat feature

Most features only available to Chase customers

Can't switch app to dark mode

Why you can trust Tom's Guide Our writers and editors spend hours analyzing and reviewing products, services, and apps to help find what's best for you. Find out more about how we test, analyze, and rate.

Calling all Chase users! If you have a bank account, credit card, loan, investment account, or anything else with Chase, this is THE app for you.

It’s packed with many features to help you manage all your Chase accounts, redeem rewards, track spending, pay bills, and more. It’s one of the top-rated finance apps for both Android and iOS users.

Chase app review: Features

Here’s a quick rundown of some of the things you can do with the Chase app.

• Apply for other accounts
• Track spending and spot ways to save money
• Send and receive payments with Zelle
• Pay bills and Chase credit card payments 
• Transfer money between accounts
• Lock and unlock cards
• Deposit checks in the mobile app with Chase QuickDeposit
• Redeem rewards and Chase offers
• Find ATMs and branches
• Relax with 24/7 fraud monitoring

But where does it shine? Here’s a closer look at Chase’s top features: 

Manage accounts and investments

As the largest bank in the U.S., Chase has a lot of accounts you can open — checking and savings accounts, credit cards, loans, investments, and more.

One cool thing about the Chase app is that no matter how many accounts you have, they’re all consolidated into one easy-to-use interface. You can see your account balances, review recent transactions, and even set up custom alerts.

It’s essentially a centralized hub to help you stay organized and on top of your finances.

Track your credit journey

These days, most banking apps have credit score monitoring. But what makes Chase so different? In a nutshell, the Chase app does a better job of helping you understand your credit score and the factors that affect it. 

With its Credit Journey tool, you can:

• View your VantageScore (updated weekly)
• See how your credit score stacks up against others
• Use the Score Simulator to see how certain activities would impact your credit score
• Track your total credit balance, credit card utilization, and late payments
• View a complete history of your credit score since signing up for Credit Journey
• Get customized insights on how to improve your score

Tip:  Anyone can use the Credit Journey tool for free — even if you’re not a Chase customer.

Redeem rewards, offers, and deals

Credit cards are Chase’s bread and butter. So there’s no doubt this section of its app is on point.

You can review your credit card benefits inside the app, as well as transfer and redeem rewards. Simply choose what you want to redeem your points for — cash, travel, gift cards, or Chase offers — and the app will take care of the rest.

Use the budget planner to save and monitor spending

Chase’s budget planner tool is one of the best we’ve seen among traditional banks. While most banking apps let you track purchases, the Chase app takes it a step further by allowing you to create a customized budget based on your monthly income, recurring bills, and savings goals.

As you spend money throughout the month, it’s all consolidated into a pie chart so you can see how close you are to going over budget.

And if you want even more guidance, you can turn on the “daily pacing” tool to estimate how much you should spend per day to be under budget at the end of the month. This takes away the need to use a separate budgeting app like Mint.

Get spending insights with today’s snapshot

One of my favorite features inside the Chase app is Today’s Snapshot. It’s a snazzy tool that gives you daily insights into your finances so you can build better habits.

For instance, say you have a Chase credit card. Each time you log into the app, Today’s Snapshot will show you:

• A line graph of your credit and debit card usage (like the one pictured above)
• A breakdown of your spending by category (think shopping, food and drink, travel, and groceries)
• The number of rewards points you’ve earned this week
• Your credit card usage
• How many times you’ve checked in with Snapshot this week

Knowledge is power. And together, these insights go a long way in helping you better your finances.

Get your questions answered with a Chase banker

Most of the time, you only call customer service if you’re having an issue with your account. But what if you want a financial health check-up or advice on your savings plan? It turns out you can do that inside the app too.

With the Chase app’s “Schedule a meeting” feature, you can set up a phone call or in-person meeting with a Chase banker. During this call, you can:

• Open or upgrade your account
• Apply for a credit card
• Get a financial health checkup
• Discuss a savings plan
• Get help with your accounts

Chase app review: Pricing

The Chase app is free to use. It’s available on Android and iOS devices.

Chase app review: Ease of use

Overall, the Chase app is a solid banking app with millions of users. I’ve been using it for my credit cards for nearly a decade. And honestly, I really like it.

While the app used to feel clunky and dated a few years ago, the development team has made strides in modernizing and streamlining it. Now it’s clean and easy to navigate. And I really like all the financial insights I can see as I scroll through my accounts.

If there’s one negative about the Chase app, it’s that it can sometimes feel cluttered with product advertisements — after all, Chase wants you to have as many accounts with them as possible.

More recently, users are upset that Chase took away the app’s dark mode function — so now the app uses light mode by default.

Chase app review: Support

The Chase app doesn’t have a built-in chat function for live support, but you can still contact customer support in one of four ways:

• Chat with the in-app digital assistant
• Schedule a phone call or in-person meeting with a Chase banker
• Visit a local Chase branch
• Call 1-800-935-9935 to speak with a representative

MY EXPERIENCE:  I called Chase customer service on July 14, 2022, and was on hold for two minutes. The representative I spoke to was an absolute delight and did a thorough job answering all of my questions. As big as Chase is, I was amazed at how quickly I was put through to someone.

One quick tip — When you call customer service, you’ll be asked to enter your debit or credit card number before you can speak to someone. If you don’t have this info, just press 0 when you hear this prompt. It’ll redirect you straight to customer service.

How the Chase app stacks up against the competition

The four largest banks in the U.S. are Chase, Bank of America, Citibank, and Wells Fargo. So how does the Chase app stack up against its top competitors?

To start, all the apps have the same standard features you'd find with any banking app. You can manage accounts, transfer money, pay friends with Zelle, and monitor your credit score.

Beyond that, Chase stands out because it lets you create a personalized budget inside the app and set up recurring savings goals. The "Today's Snapshot" feature also gives you custom spending insights at a glance.

These features push Chase to the top, making it the highest-ranking app on the App Store and Google Play out of all four banks.

Chase app review: Verdict

As the largest bank in the U.S., Chase didn’t have to go out of its way to make an amazing banking app. But it did it anyway.

The Chase mobile app will blow you away with all of its bonus features. Two of our faves are the built-in budget planner (where you can set savings goals, monitor bills, and track your income), and the Daily Snapshot tool, where you get insights at a glance (such as your daily card usage and a breakdown of your spending by category).

Really, the Chase app is as good as it gets if you’re banking with a traditional institution. It’s clear the company has poured extra time into adding financial wellness features to help you develop smart habits.

And the cool part is, anyone can use the Credit Journey tool to monitor and build their credit — even if you’re not a Chase customer. Usually, you have to bank with an institution to get access to tools like this.

So if you’re already a Chase customer — or simply want to use Credit Journey to improve your financial health — there’s really no reason not to sign up. The Chase app has virtually everything you need.

Frequently Asked Questions (FAQs)

How do i check my bank statement on the chase app.

Follow these steps to review your bank statement: 

• Log in to the Chase app
• Select the account you want to see a statement for
• Select the three dots next to your account balance. (This pulls up a separate menu) 
• Click on " see statements"

Is the Chase app safe?

Yes, the Chase app comes with all the latest security features. 128-bit encryption helps keep you safe from potential hackers, and two-factor authentication helps verify it’s you signing in. You can also log in with a fingerprint or facial ID if your device supports it.

Inside the app, your account has 24/7 fraud monitoring for unusual activity. Plus, you can set up custom alerts and lock and unlock accounts with the tap of a button.   

Does the Chase app have a fee?

No, the Chase app does not have a fee. It’s free to use and download. 

How do I log out of the Chase mobile app?

The Chase app should automatically log you out after you exit the app or are inactive for a few minutes. That said, you can manually log out using these steps: 

• Select the profile icon on the top right corner of your screen. (This pulls up a separate menu)
• Click on " sign out"

Cassidy Horton is a finance writer who specializes in insurance and banking. She has an MBA and a bachelor's degree in public relations, as well as hundreds of articles published online by Forbes Advisor, The Balance, Finder.com, Money Under 30, and more. Outside of work, she enjoys reading and hiking. 

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• What is the Chase Travel Portal?

Benefits of Using the Chase Travel Portal

Chase ultimate rewards credit cards.

• Points Value
• How to Use the Portal to Book Travel

Chase Travel: Explore Destinations and Savings with Chase Ultimate Rewards

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠, Chase Freedom® Student credit card. The details for these products have not been reviewed or provided by the issuer.

• The Chase Ultimate Rewards travel portal works just like an online travel agency.
• You can use points, cash, or a combination of both to book flights, hotels, rental cars, and more. 
• Several Chase cards offer better redemption values or bonus points when you book through the portal.

The Chase travel portal is an online booking platform for flights, hotels, rental cars, cruises, activities, and vacation rentals, similar to an Online Travel Agency (OTA). If you're a Chase Ultimate Rewards® cardholder, you can use points to book travel through the portal — or pay with your card or a combination of points and cash.

Chase Ultimate Rewards is one of the most flexible and lucrative credit card rewards programs, and its benefits can be even greater depending on the Chase cards you have. With a no-annual-fee card like the Chase Freedom Flex℠ or Chase Freedom Unlimited® , your points are worth 1 cent each toward travel booked through the portal.

But if you have a Chase travel credit card like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , or Ink Business Preferred® Credit Card , you'll get 25% to 50% more value when you redeem your points for travel, plus the ability to transfer your points to Chase airline and hotel partners . 

Some Chase cards also offer bonus points for paid bookings you make through the portal. Chase added lucrative new bonus categories to the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, including certain types of travel booked through the portal.

Here's everything you need to know about booking airfare, hotels, and more through the Chase travel portal — and how to make the most of your Chase Ultimate Rewards points.

What Is the Chase Travel Portal?

The Chase travel portal works like any other Online Travel Agency (such as Travelocity or Priceline), and the searches you do for hotels, airfare, and more will produce similar results to what you see on that OTA. 

You must be a Chase credit card customer to use Chase travel to book with cash or with points. In fact, you'll only access the Chase travel portal when you log into your account management page with Chase.

Chase travel lets you book travel directly with Chase Ultimate Rewards points, use your credit card to pay, or combine the two. This is one of the main benefits of using Chase travel — you can spend the rewards points you earn directly on the travel you want without having to worry about dealing with specific hotel or airline loyalty programs. 

There are a few other key benefits to know:

• You'll still earn airline miles and work toward elite airline status: You won't earn points or elite night credits when you book a hotel stay with Chase travel because it's considered a third-party booking. However, you can earn airline and elite-qualifying miles on flights you book as long as your frequent flyer number is attached to the reservation. 
• Your points are worth more with certain Chase credit cards: Also be aware that some Chase credit cards give you more than the standard rate of 1 cent per point when you redeem your rewards for travel through Chase. We'll go into more detail on the cards that offer this perk below.
• The Chase travel portal is easy to use: If you don't want to deal with a bunch of hotel and airline award charts, booking through Chase travel can help keep your rewards game simple. You'll always be able to use your points for any booking you want without having to worry about blackout dates or capacity controls you would normally encounter with loyalty programs.

To be eligible to use the Chase travel portal, you'll need a Chase credit card that earns Chase Ultimate Rewards points . 

No-annual-fee Chase cards open to new applicants (points are worth 1 cent each through the Chase travel portal):

• Chase Freedom Unlimited® (read our Chase Freedom Unlimited review )
• Chase Freedom Flex℠ (read our Chase Freedom Flex review )
• Chase Freedom® Student credit card (read our Chase Freedom Student review )
• Ink Business Unlimited® Credit Card (read our Chase Ink Business Unlimited review )
• Ink Business Cash® Credit Card (read our Chase Ink Business Cash review )

Chase travel rewards cards open to new applicants (points are worth more with Chase travel, plus these cards allow you to transfer points to airline and hotel partners):

• Chase Sapphire Reserve® (read our Chase Sapphire Reserve review )
• Chase Sapphire Preferred® Card (read our Chase Sapphire Preferred review )
• Ink Business Preferred® Credit Card (read our Chase Ink Business Preferred review )

If you have more than one Chase card, you can transfer your Chase Ultimate Rewards points between accounts. It makes the most sense to pool your points in the account that gives you the best redemption value — for example, if you pair the Chase Freedom Unlimited® and Chase Sapphire Reserve®, moving all of your Chase Ultimate Rewards to your Sapphire Reserve account will increase the value of your points when you redeem through the Chase travel portal.

To pool your points onto one card, log into your Chase online account, navigate to the "Redeem" section for your Chase Ultimate Rewards card, then select the option to combine points in the "Earn/Use" tab:

From there, you can move your Chase points between accounts in any increments you want. 

Points Value in the Chase Ultimate Rewards Travel Portal

Some Chase credit cards give you a bonus when you redeem points through the Chase travel portal. Here's a summary of how much your points are worth with each Chase card:

It's important to note that Chase Ultimate Rewards points are worth, on average, 1.8 cents apiece based on Personal Finance Insider's points and miles valuations . That's because it's possible to get outsized value when you transfer points to partners for award travel.

How to Use the Chase Travel Portal

Using the Chase travel portal is a breeze, but it all starts with logging into your online account management page. From there, you'll click on the right side of your screen where it shows your Chase Ultimate Rewards account balance. 

Once you click on the account balance, you'll have the option to select the card you want to access. And remember, this step can be important because some cards give you more value from your points when you redeem them for travel.

How to book a flight through Chase travel

Once you are logged into your Chase Ultimate Rewards account, you'll see different travel options to search for at the top of the page.

To search for a flight, make sure the prompt is on "Flights" and begin searching for the flight you want. Enter your departure airport, destination, travel dates, and the number of passengers.

Once your flight options pop up on the screen, you can filter your results by the number of stops, the airlines you want to fly, and arrival times.

Note that each of your flight options will include a payment amount in points as well as a cash price. 

You can also click on "Details and baggage fees" in order to find out the cost of carry-on luggage or checked baggage, as well as whether your flight charges any change fees.

When you click to "Select" a flight option, you'll get a rundown of what is and isn't included in the fare you selected. You may also get a note that you can upgrade before you check out.

Once you settle on a flight you want, you'll be taken to the "Trip Details" page that shows the final cost of your flight in points or in cash, as well as a summary of the added costs you may be charged for baggage or change fees.

After you agree to the terms, you'll be taken to a final payment page where you can decide how you want to pay. You have the option to cover your flight entirely in points if you want, but you can also choose to pay with your Chase credit card or with a combination of points and your credit card.

During the booking process, make sure to add your frequent flyer number to your reservation. That way, you can earn miles on your booking and your flight will count toward elite status requirements. You'll also want to add your Known Traveler Number or Redress number if either applies to you.

If you forget to do it during your booking, however, you can add your frequent flyer information to your flight later on using the airline's website.

How to book a hotel through Chase travel

Booking a hotel through Chase is similarly easy, and you'll find a lot of different types of lodging options available. For example, you'll find properties from major hotel brands, but you'll also find rental condo options and boutique hotels.

To search for a hotel,  enter the destination, dates, and the number of people you want to have in your room. Once you're presented with your options, you can filter hotels based on the hotel name you're looking for, the area or neighborhood, price point, guest rating, property type, and more. 

Once again, you'll see a price listed in points as well as a cash price per night.

These prices do not include taxes and fees, however, so your price in points or cash will be higher by the time you get to the final booking page. Also be aware that the price listed is the lowest you can get for the property, but that better or upgraded rooms and suites will cost more in points.

The major downside to booking a hotel through the Chase portal is that you won't earn hotel points or elite night credits for your stay, because it's considered a third-party booking. There's also a risk that the property won't recognize your hotel elite status or give you the perks you'd normally be entitled to, like late checkout or free breakfast . This shouldn't be an issue if you're booking an independent or boutique hotel, but if you're looking for hotel points or status, it's something to be aware of.

You'll have the option to select a hotel you want as well as a room type at the property you're considering. You can also pay with your booking with points, your Chase credit card, or a combination of the two. 

How to book a rental car through Chase travel

You can also book a rental car through Chase travel using the same set of steps. Once you log into your Chase Ultimate Rewards account, click on "Cars" and then select the destination and dates.

Once you are presented with your search results, you can select the types of cars you prefer, like an economy car or an SUV. You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer (manual or automatic), as well as the total area you want to search in. 

Note that, once again, taxes and fees are not included on the initial search page. Instead, they are added to your total cost when you select a rental car. You can also pay for a rental car through Chase with points, your credit card, or a combination of the two.

How to book activities with the Chase travel portal

Chase also lets you book a variety of activities through the portal, which they refer to as "Things to Do." Chase activities can include excursions like snorkeling or scuba diving, as well as tours of museums and historic sites. But you can also book more practical options through their activities tab, including airport pickups and other types of transportation.

To search for activities, enter the destination and dates for your trip. You'll be shown a price in points and in cash that does include taxes and fees. You can also filter options based on the type of activity, your interests, and more. Once again, you have the option to pay for activities with your points, your credit card, or a combination of the two.

How to book a cruise through Chase travel

If you're a cruise enthusiast, you should know you can also book cruises through Chase travel. When you select "Cruises" at the top of the Chase Ultimate Rewards search page, you'll be presented with a list of featured cruises and cruise specials.

You can also search for cruises based on the destination or the name of the cruise line. Note, however, that only cash prices are listed for each cruise on the portal, and that you'll have to call Chase to make a booking.

Either way, you can absolutely use your Chase points to pay for all or part of your cruise. Just have your credit card number handy and call their customer service line at 855-234-2542.

How to book a vacation rental through Chase

Chase also offers a selection of vacation rentals, which can include vacation condos, luxury villas, and more. To search, click on "Vacation Rentals" at the top of the main page, then enter your destination, dates, and the number of people in your party.

Once you start your search, you'll have the option to filter results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more. Like hotels through Chase, the price you are shown excludes taxes and fees, but they will be added to your total once you make a selection.

Also be aware that the price shown in your search results is for the lowest-tier option for each property, and that a larger rental or upgraded rental may cost more in points.

When you book vacation rentals through Chase, you can pay with points, your Chase card, or a combination of the two. 

Use the Chase portal to book Luxury Hotel & Resort Collection properties

If you have the Chase Sapphire Reserve®, you can book properties within the Luxury Hotel & Resort Collection. This list of more than 1,000 properties can be reserved ahead of time, and you'll get extra benefits with each stay such as:

• Daily breakfast for two
• A special benefit worth up to $100
• Complimentary internet access
• Room upgrades when available
• Early check-in and late checkout

One detail to note with this program is the fact that you cannot pay with points. Instead, your online booking will reserve your room, and you'll be charged for the stay when you check out from the hotel. 

Should you transfer Chase points instead?

While you can book travel through the Chase portal directly, many people prefer to transfer points to Chase airline and hotel partners instead. Doing so could let you get more value for each point you redeem , but you'll have to run the numbers to find out for sure.

Here's a good example of how transferring points to a Chase airline or hotel partner can be a better deal, as well as the math you'll need to do to figure this out on your own. Take this one-way flight on Air France from Chicago to Paris, for example, and assume you have the Chase Sapphire Reserve® card, so you're getting 50% more value when you redeem points through the Chase travel portal.

If you were to book this flight through Chase Ultimate Rewards, you would owe 39,607 points with the Chase Sapphire Reserve®, compared with the cash price of $594.10.

However, you could book an award ticket on the exact same flight through Flying Blue (Air France's loyalty program) directly if you transferred your Chase points there first. In this case, the identical flight would set you back 22,000 miles plus $109.44. This means you would transfer 22,000 miles from Chase to your Flying Blue account, and pay the taxes and fees in cash, or by redeeming points for a statement credit to your account.

When you compare, you'll find that booking with miles directly is a better deal. After you subtract the taxes and fees from the cost of booking through Flying Blue, you wind up with a value of around 2.2 cents per mile.

With the Chase Ultimate Rewards portal, on the other hand, you're forking over 39,607 points for the same flight, and you're getting a value of 1.5 cents for each point if you have the Chase Sapphire Reserve®. 

Accessing Chase Travel is simple. If you're a Chase credit cardholder with Chase Ultimate Rewards points, you can log in to your Chase online account. Once logged in, navigate to the 'Travel" or "Rewards" section, where you'll find the Chase Travel portal. From there, you can search and book flights, hotels, and other travel services using your earned points or card benefits. It's a convenient way to plan and manage your travel adventures.

Chase Travel refers to the travel booking and rewards platform offered by Chase Bank. It's part of the Chase Ultimate Rewards program, allowing cardholders to use their earned points to book flights, hotels, car rentals, and other travel-related expenses. Chase Travel provides a convenient way to plan and book your trips while taking advantage of the rewards and benefits associated with Chase credit cards.

To earn 5% on Chase Travel, consider using a Chase credit card that offers bonus rewards on travel purchases. Cards like the Chase Sapphire Preferred or Chase Sapphire Reserve often offer 5 points per dollar spent on travel booked through the Chase Ultimate Rewards portal. Additionally, taking advantage of limited-time promotions and special offers can also help you maximize your rewards when booking travel with Chase.

Bottom Line

Keep in mind that, no matter which Chase credit card you have, there are other ways you can use your rewards points. You can redeem Chase points for statement credits or cash back, or cash them in for gift cards or merchandise. And if you have a premier Chase travel credit card, you can transfer your points to Chase airline and hotel partners at a 1:1 ratio.

However, booking travel through Chase can make your life considerably easier — especially if you don't like dealing with complicated hotel and airline programs. You may not get as much value from your points as you would if you booked a premium flight with airline miles, but the Chase travel portal does offer the flexibility to book the flight you want without any blackout dates or hoops to jump through.

The Chase travel portal offers yet another way to maximize rewards earned with a Chase credit card. Just make sure to consider all your options and the value you're getting for your points before you pull the trigger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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How to Set Up Credit Card Travel Notifications

Putting a travel notification on your credit card may prevent a major travel headache.

Set Up Credit Card Travel Notifications

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Travel notifications prevent a credit card issuer from flagging a purchase you make out of the country as fraudulent.

You might be ready for an upcoming trip, but is your credit card? Depending on your card issuer, you might need to set up a travel notification for your account.

Adding a card travel notification is easy. For most credit cards, you'll follow these steps:

• Call your credit card company, log in to its website or access its app.
• Share your travel dates and locations, if applicable.
• Submit and verify your travel notification.

This will help you avoid potential hassles and embarrassing situations when you're away.

What Are Travel Notifications?

A travel notification is essentially a setting you activate on your credit card account. "Basically, you're just telling the credit card issuer you're going to be using the card outside of the normal places you (use it). That way, they don't think someone stole your credit card," says Simon Zhen, research analyst at personal finance website MyBankTracker.com.

If you're on a road trip, you could make a card purchase in one town and then try to shop in another distant location but have your card rejected. Dan Hanks, senior vice president of credit card loyalty and servicing at PNC Bank, says if a transaction appears to be fraudulent, it may be declined, even if it is a legitimate purchase. Purchase location is just one factor credit card companies consider when flagging fraudulent transactions .

"If a customer suddenly starts using a card in a place they've never been, especially in another country, it doesn't mean we'll decline them, but it increases the chance we might stop the transaction if we think it's fraud," Hanks says.

Transactions may be marked as fraudulent and your card deactivated as a precaution, particularly if your issuer can't reach you to confirm them. If you only bring one credit card on your trip, you may have a major problem on your hands. Luckily, setting up a travel notification before you leave is an easy solution.

How to Set Up Travel Notifications

A travel notification usually requires you to provide your planned destinations and trip dates to your credit card issuer. With that information, the issuer has more knowledge to weed out fraudulent transactions from legitimate ones.

You usually have a few options to set up a travel notification. First, you can call the card issuer. "Look on the back of the card, and you can find the phone number to call. You just tell the customer service rep that you'll be traveling," Zhen says. If you prefer digital communication, you can typically set up a travel notification through the credit card company's website or app.

Each credit card company has its own travel notification policies. While many companies allow you to set up travel notifications, others may not need you to tell them about your travel plans. Below are the policies of major credit card issuers:

American Express does not request travel notifications, citing industry-leading fraud detection capabilities.

Bank of America allows you to create a travel notice up to 60 days before your trip, and it can last up to 90 days from the first day of your excursion. With one travel notice, you can set up multiple itineraries for various cards. You must provide Bank of America a contact number for when you're away from home. You can also supply details about where you'll be staying, any planned layovers and other information that may help the company monitor your account for fraud while you're traveling.

According to Barclays , a travel notification is not mandatory, but it could be wise to avoid declined purchases simply because you are traveling abroad or to a different part of the U.S. Contact the bank by phone, or access your account online or with the Barclays app to set up a notification. If you will be traveling for more than 365 days, connect with the bank by phone to set up a notification.

Capital One doesn't need notification of travel plans because of the added security of the bank's chip cards.

Chase lets you set up a travel notification up to a year before your trip. The notification can last up to 90 days. You can apply the notification to multiple cards simultaneously and list multiple destinations.

Citi permits you to add a travel notification up to 180 days before your journey and up to 89 days after your trip begins. You can set the notification for more than one card and report several destinations with one travel notification.

Discover advises setting up a notification before you embark on a trip abroad. Your travel start date can be up to 24 months in the future, and travel notifications can last up to 24 months.

PNC Bank suggests notifying it of the locations and dates of your planned travel to help eliminate phone calls to confirm your account activities. You can create travel notifications up to two years before you depart, and notifications can last up to 30 days. If your travel plans exceed 30 days, you can set up more than one travel alert.

USAA recommends a travel notification to reduce the chance of your card being blocked or flagged for unusual activity. You can set up a notification up to one year before your trip, and the notification will last up to one year from your departure. USAA does not request travel destinations.

U.S. Bank allows you to establish a travel notification for any trip within the next 90 days. Notifications can last up to 90 days. If your travel plans exceed 90 days, you can set up an additional notification at a later date.

Wells Fargo favors notification of when and where you plan to travel. Wells Fargo's travel notifications do not have any time-based restrictions, so you can set up your travel alert for as long as you'll be away and not have to set up subsequent ones.

Overall, setting up a travel notification doesn't have a downside for the customer, Hanks says. Making travel notifications easy to activate is in a credit card company's best interest. And notifications reduce the chance that a real transaction may be classified as fraudulent, which makes everyone happier.

Don't Forget About Debit Cards

"Some people set up a travel notification on a credit card but forget to set one up on their debit card," Zhen says.

While credit cards offer many protections that can be useful when traveling, especially abroad, some people may still plan to use their debit cards. If you do, make sure you set up a travel notification on your debit cards, too, so your purchases on those cards don't get flagged as fraudulent transactions when you're on your next trip.

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Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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How to Set up a Chase Travel Notice for Your Credit Cards to Avoid A Declined Card Overseas!

What Is A Chase Travel Notice?

Imagine yourself, overseas, enjoying the best time of your life… when you realized you had spent all your cash. No fear, you reach into your wallet for the Chase card, and use it to pay your bill at the restaurant, and surprise, the card declines!

What happened?

Many credit card companies including Chase protects consumers by freezing the card when its used overseas.

For domestic travel, you may not need to create a Chase travel notice if you go to a regular city or state.

However, it's good idea to notify Chase of any travel plans to avoid the hassle of your card being denied.

Especially if you are in a foreign country and you may not easy access to use your phone to dial an international number.

This step-by-step guide shows you how to setup a Chase travel notice.

Call Chase to Setup a Travel Notice (Option 1)

If you did not notify Chase that you are traveling and have experience your card declined, the simplest and easiest way is to call the toll-free number on the back of your Chase card.

If you are in North America, call the domestic number if you're inside the United States.

If you are traveling overseas, then call the international number.

If you have multiple Chase credit cards, you may see different phone numbers depending on the reward card.

Regardless of which reward or travel card you have with Chase, the agent should be able to apply the travel notice on all your Chase credit cards.

There maybe a few steps to verify a few transactions and who you are before they unfreeze your card so you can continue to use the Chase card again.

Setup Chase Travel Notice Online (Option 2)

Another option is if you have access to the internet is to go to chase.com .

Step 1: Login in with your Chase's account credentials

Make sure you have your phone nearby if you did not setup an email account as another way to verify who you are.

Step 2: Click on any card account and go to the top right corner where it says, "Things you can do" and click on it to expand the drop down.

Chase Travel Notice

Step 3: Click "Travel notifications" from the drop down menu.

You should then be presented with a screen that looks like this,

Step 4: Click "Add a trip" button

You should be presented with another step to identify yourself again,

In a few minutes, you should receive a text or phone call with the code to enter into the next Chase travel notice screen.

After you have successfully verified the code. You'll be able to enter the details of where and when your trip will be

Step 5: Choose which cards you plan to use on your trip

Step 6: Review Chase travel notice

Finally, review the trip details and if everything looks good. Click the "Submit" button.

Setup Chase Travel Notice Using Chase Mobile App (Option 3)

Another option is to setup the Chase travel notification using the Chase Mobile App.

Step 2: After successfully logging into your Chase Mobile App, swipe left on the pills menu to reveal "Manage travel notifications" option.

Step 3: Click the "Add a trip" button

Step 4: Enter your trip details

Step 5: Choose the Chase credit cards you want to apply this Chase Travel Notification to

Step 6: Review the Chase Travel Notification screen details to make sure everything is correct.

Next click the "Submit" button.

You get a final confirmation screen after hitting submit that your Chase Travel Notice has been saved.

Final Thoughts

It's always a good idea to bring emergency cash on any trip. As part of your checklist is to decide which credit cards you want to bring, maybe one as a primary and another as a back up.

You may decide that your back up is a credit card is with another bank such as American Express just so you have another option incase Chase has any problems.

In any case, you'll want to go through each credit card and make sure that you setup travel notification so you don't have any problems on your trip.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

Chase Credit Journey – How to Check Your Credit Score for Free

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What Is Chase Credit Journey?

How your credit score works, score simulator, how to access chase credit journey through the mobile app, the best credit cards for good or excellent credit scores, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

One of the most important things to know before opening a credit card or applying for a loan is your credit score.

You can check your credit score for free each year from all 3 credit bureaus ( Experian , TransUnion , and Equifax ), but it’s good to know your number outside of those times.

If your score is good, then you’re all set. If it’s lower than you would like, then you can work to improve your credit score before you take out a new line of credit .

In this article, here is another way to keep tabs on your score: Chase Credit Journey.

Chase Credit Journey is a free tool offered by Chase that allows you to keep track of your credit score and credit report activity.

The score you see on Chase Credit Journey is the VantageScore 3.0 by TransUnion . This is different than a FICO score, but it’s just as valid. There are different providers, so your score can sometimes vary between the 3 different credit bureaus — that’s totally normal and nothing to worry about.

Hot Tip: To view your full detailed credit report, go to annualcreditreport.com . You can view your report for free once a year from all 3 credit bureaus. It’s a good idea to check your full report each year even if you are using Chase Credit Journey.

How Do I Use Chase Credit Journey?

To access Chase Credit Journey , you’ll need to log in to your Chase online account. Then scroll down until you see Your credit score on the left side. Click on Free score, updated weekly to access Chase Credit Journey.

Your Chase Credit Journey home page will prominently display your credit score; the page view defaults to your current credit score. However, if you would like to see the history of your score, click on Over Time to see a graph of the previous 6 months’ activity.

Hot Tip: Using Chase Credit Journey will not affect your credit score.

Your Chase Credit Journey credit score is based on 6 main criteria:

• Late payments (or payment history): Late payments are usually reported if they are more than 30 days past due, and will be visible on your credit report for 7-10 years.
• Age of oldest account: It’s good to show that you have been responsible with credit for a long time, so your oldest account’s age is important. I f you close your oldest account, your score could be negatively impacted.
• Credit usage (or credit utilization ratio ): This is the percent of your current credit limit that you are using. You want a low number here — it shows creditors that you don’t max out your available credit. Generally, a ratio under 30% is considered good.
• Hard inquiries: This is the number of requests that have been made to see your credit history in the previous 2 years. These are often called “hard pulls,” and they happen when you open a new credit card or apply for a loan. An inquiry number of 6 or more is considered poor, but this factor doesn’t have a huge impact on your score.
• Total balance: This is the current amount owed over all lines of credit. While it’s good to keep this number low, keep in mind this includes things like mortgages, so it can be high without having a negative effect on your credit score.
• Available credit: This is the current amount of unused credit you have over all of your accounts. The number itself isn’t as important as the utilization ratio. You may have a lot of available credit, but as long as you aren’t using it all, it’s OK for this number to be big.

These 6 factors all combine to determine your credit score, which will range between 300-850.

If you look under your credit score, you will see these 6 factors listed for your account. If you want to see anything in more detail, click on Explore factor details .

From here you will be able to see the details relating to your credit score. Choose a different aspect of your score to view by using the menu at the left.

The Chase Credit Journey score simulator is a fun tool to help you understand how different factors affect your credit score. To use this tool, just scroll down the main page and click on Try our Score Simulator .

You will see your current score along with your simulated score. To adjust the simulated score, use the factors listed below the scores. Adjust the factors to see how your credit will be affected by things like opening a new credit card, making a late payment, or taking out a mortgage.

You can sign on to Chase Credit Journey through the Chase mobile app if you have a personal account. Those who only have business accounts won’t be able to access Credit Journey through the Chase mobile app .

First, log on to your Chase account through the mobile app. Then scroll down and click on Credit score . From here you will be able to see your credit score and all of the other features of Chase Credit Journey.

Hot Tip: You can use Chase Credit Journey even if you aren’t a current Chase customer. If you don’t have a Chase account, use this link to access and sign up for Chase Credit Journey.

The Benefits of a Good Credit Score

Having a good credit score comes with lots of benefits. A good or excellent score is generally considered to be 700 or above.

• 750 or higher – Excellent
• 700 to 749 – Good
• 650 to 699 – Fair
• 600 to 649 – Poor
• Below 600 – Extremely Poor

A good or excellent credit score will help you get the best terms and lowest interest rates on loans, plus it allows you to apply for premium credit cards with outstanding benefits.

Hot Tip: If your credit score isn’t great, you might want to look at credit card options for people with bad credit. Using one of these cards wisely is a great way to help build your credit history and raise your score.

Having great credit allows you to apply for some awesome credit cards with premium benefits. Here are some of our favorites:

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

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• Amex Platinum vs Delta Reserve

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Chase Ultimate Rewards

• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
• Amex Gold vs Chase Sapphire Reserve
• Chase Sapphire Preferred vs Reserve

Bottom Line: Having a great credit score opens the door to premium credit cards with excellent benefits. Check out our guide to credit cards for good to excellent credit scores for more options.

Good credit is important to have if you are going to open a credit card or apply for a loan. The first step in having good credit is knowing what your credit score is.

Chase Credit Journey is a free tool you can access through your Chase account that allows you to check your credit score at any time. You’ll be able to get a quick overview of your credit health and see ways to make improvements.

The great thing about Chase Credit Journey is that it doesn’t make a hard pull on your credit, so you can check it often without affecting your score.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is there a charge for chase credit journey.

No. Chase Credit Journey is a free service provided by Chase. It allows you to check your credit score at any time without a hard pull.

Does Chase Credit Journey hurt your credit score?

No, Chase Credit Journey does not affect your credit score. You can check Chase Credit Journey as often as you like without any affect to your credit score.

How can I check my credit score with Chase?

It’s easy to check your credit score with Chase. Just log in to your online account. Then scroll down till you see Your credit score on the left side of the screen. Then click Free score, updated weekly to see your credit score.

If you aren’t a current Chase customer, use this link to sign up and use Chase Credit Journey for free.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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Your guide to booking nearly free travel with Chase Ultimate Rewards transfer partners

Content is created by CNN Underscored’s team of editors who work independently from the CNN newsroom. When you buy through links on our site, CNN and its syndication partners may earn a commission. Learn more

CNN Underscored reviews financial products based on their overall value. We may receive a commission through our affiliate partners if you apply and are approved for a product, but our reporting is always independent and objective. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

There are myriad ways to redeem Chase Ultimate Rewards points for travel , but which way is the best?

While the answer to that question depends largely on your lifestyle, one thing is for certain: Only the best Chase credit cards can unlock the full potential of your rewards:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Ink Business Preferred® Credit Card .

As long as you’ve got one of these cards, you can convert your points into airline miles and hotel points for nearly free travel. If you know what you’re doing, you could be flying in lie-flat first class seats across the Atlantic and booking free all-inclusive resorts with little effort.

Let’s take a look at how to transfer Chase points to partners — and why you’ll want to.

How to earn Chase Ultimate Rewards points

Chase Ultimate Rewards points are some of the easiest rewards currencies to earn. Many of its credit cards earn them quickly with large welcome bonuses and strong return rates for common purchases.

Even many Chase credit cards marketed as “cash back” (such as the Chase Freedom Flex℠ and Chase Freedom Unlimited® ) actually earn Chase points that can be transferred to valuable airline and hotel partners indirectly (we’ll discuss that a bit later).

Below are the credit cards that allow you to transfer points directly to Chase travel partners.

Chase Sapphire Preferred® Card : Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. $95 annual fee.

Chase Sapphire Reserve® : Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. $550 annual fee.

Ink Business Preferred® Credit Card : Earn 100,000 bonus points after you spend $8,000 on purchases in the first three months from account opening. $95 annual fee.

Chase Ultimate Rewards transfer partners

As long as you’ve got an annual fee-incurring Chase Ultimate Rewards credit card (namely, the Chase Sapphire Preferred , Chase Sapphire Reserve or Ink Business Preferred ), you can convert your Chase points to travel rewards in the following programs.

However, there are a few things to consider before transferring your points:

Transfers to travel programs are final. You can’t convert airline miles and hotel points back into Chase points.

Turning your points into another currency means you’ll have to play by that program’s rules when booking travel. As an example, you’ll be subject to any blackout dates and rewards expiration dates imposed by each particular loyalty program.

Depending on where you transfer your points, transfers aren’t always instant. If you’re transferring your points for highly contested awards, it’s possible that they could be gone by the time your rewards deposit into your loyalty account.

How to transfer Chase points to partners

To convert Chase Ultimate Rewards points, you’ll first need to sign into the Chase Ultimate Rewards portal using the same login credentials you use to access your online credit card accounts.

On the landing page, you’ll find a tab at the top that says “Earn/Use” along with your current rewards balance. Click on that to reveal a drop-down menu. Then click the “Transfer to Travel Partners” button at the center of the menu.

Here you’ll find a full list of airlines and hotels that partner with Chase. Before you can make a transfer, you’ll need to select the program you want to use and add your loyalty number. If you aren’t currently enrolled in the specific airline or hotel, you’ll need to create an account on that travel program’s website first.

After you’ve linked your accounts, you’ll quickly move to the final step: Entering the number of points you’d like to transfer. Your transaction must be in 1,000-point increments.

Chase point transfers are usually instant but could take several days depending on the program you transfer points to. In our experience, transfers to Singapore KrisFlyer and Marriott Bonvoy usually take 1-3 days to process.

Aer Lingus AerClub

Aer Lingus is the flag carrier of Ireland. It uses an award currency called “Avios” — something it has in common with other airlines such as British Airways, Finnair, Iberia and Qatar Airways.

Aer Lingus prices its award flights according to “ zone ;” the farther you fly, the more you’ll pay for a seat. The airline also enforces peak and off-peak travel dates, which affect the price.

While Aer Lingus tends to charge just enough taxes and fees to be an annoyance, you can find some screaming deals to Europe. For example, you can fly Aer Lingus from Chicago to Dublin in economy for just 13,000 points and $125.50.

Air Canada Aeroplan

Apart from the class of cabin, Air Canada Aeroplan prices award tickets (PDF link) based on three things:

The airline you fly.

The distance you travel.

The regions in which your travel takes place.

If that sounds overly complicated, that’s only because it is. But Aeroplan is hugely valuable once you learn the program’s intricacies.

For example, you can use Aeroplan points for travel on its Star Alliance (and non-alliance) partners to get nearly anywhere on the planet. Some partners outside of Star Alliance include Azul, Emirates, Etihad and others.

The program also allows stopovers for (most) international award flights for a flat 5,000 points so long as you’re not flying within North America. Plus, it charges just 2,500 points to add a lap infant on international awards on any class of travel.

To boot, Air Canada famously charges low taxes and fees. You won’t pay exorbitant fuel surcharges when booking award flights with Aeroplan points, but you will pay a $39 Canadian dollar (approximately $28.80 US dollars) partner booking fee when booking award tickets on a partner airline.

British Airways Executive Club

British Airways Executive Club is one of the most useful tools in an award traveler’s utility belt. But the program isn’t devoid of over-complication.

As a member of the Oneworld airline alliance, you can use your Avios points for a flight to get virtually anywhere in the world. Avios are especially useful for domestic flights on American Airlines and Alaska Airlines since they’re not Chase transfer partners.

The price you’ll pay for your seat (besides class of travel) depends on:

Peak and off-peak season.

The location of your flight.

The number of connections you have.

It sounds worse than it is. A bit of hasty research can help you to find all kinds of good deals. For example, you’ll pay just 11,000 points and $15.60 in taxes for a one-way coach flight from Charlotte to Turks and Caicos. That flight otherwise costs nearly $350 at the time of writing.

Emirates Skywards

The value of Emirates as a Chase transfer partner has seesawed over the years due to devaluations and increasing taxes and fees. At present, the program is rarely the optimum booking channel to get where you want to go.

However, there are exceptions. While Emirates doesn’t abide by an award chart (making it difficult to mine sweet spots), it certainly has utility for some niche travel itineraries.

For example, you can fly round-trip from New York to Milan on Emirates for just 45,000 miles and $142 in economy class. That’s a good 15,000-30,000 miles less than what you can expect to pay via programs like American Airlines AAdvantage and United Airlines MileagePlus , but taxes and fees are a bit higher.

Transferring Chase points to Emirates is also the hands-down best way to book Emirates first class seats, which have become a rite of passage for award travel enthusiasts. Depending on your route, you’ll enjoy things like an onboard bar, a spacious lavatory with showers or even a fully enclosed suite.

Air France-KLM Flying Blue

Flying Blue is the joint loyalty program of both Air France and KLM. Since both airlines are SkyTeam members, it’s easy to redeem these miles for flights to just about anywhere in the world.

Flying Blue doesn’t publish an award chart, but it tends to price its awards in zones. For example, business class flights from the US to Europe usually start between 50,000 and 55,000 miles, which is a great deal. However, the price you pay can vary by route, date and other factors.

You can also find decently priced Delta award flights on Flying Blue, both domestically and internationally. This is especially useful as Delta SkyMiles isn’t a Chase Ultimate Rewards transfer partner.

Finally, Flying Blue has monthly Promo Rewards that offer discounted award tickets between select destinations. These change monthly, so keep an eye on the loyalty program’s website for the latest promotions.

Iberia Plus

Iberia, the flag carrier of Spain, comes with an upside similar to other airlines that use Avios as their reward currency. Award flights are priced based on flight distance, peak/off-peak travel dates and the airline you fly.

In fact, Iberia is one of the best ways for those based in the East Coast and Midwest to fly to Europe in comfort. You can book one-way flights from New York, Boston or Chicago to Madrid for just 17,000 Avios in economy or 34,000 Avios one-way in business class on off-peak dates. You can see Iberia’s off-peak award calendar on the airline’s website .

Prepare to pay over $100 in taxes and fees for a lie-flat award seat, which is far cheaper than booking with Avios partner British Airways.

JetBlue TrueBlue

JetBlue TrueBlue prices its award flights according to the cash price. In other words, if JetBlue is having a sale, both the cash and points price will be lower.

You can count on getting a value of roughly 1.3 cents per point when transferring Chase points to JetBlue. It’s not an incredible offer, but it’s a surefire way to get at least a reasonable value for your redemption.

Whether you should transfer your points to JetBlue largely comes down to which Ultimate Rewards credit card you have.

If you have the Chase Sapphire Preferred or Ink Business Preferred , you can “buy” travel (including JetBlue flights) through the Chase Travel Portal at a rate of 1.25 cents per Chase point.

If you have the Chase Sapphire Reserve , you can “buy” travel through the Chase Travel Portal at a rate of 1.5 cents per Chase point.

Those with the Chase Sapphire Reserve likely never have a reason to transfer points to JetBlue — unless the goal is to simply top-off a JetBlue account with a few more points to achieve an award flight.

Singapore Airlines KrisFlyer

Singapore Airlines is a member of Star Alliance, so you can use the program’s miles to book flights on many different airlines all over the world. You’ll often find award prices for seats on other airlines to be considerably cheaper than had you booked directly with the airline you’re flying.

For example, you can fly round-trip on United Airlines from the US to Hawaii for 19,500 KrisFlyer miles one-way, plus minimal taxes and fees.

You can also get good deals on Singapore Airlines’ own flights when you transfer Chase points to KrisFlyer miles. This is especially true if you leverage Spontaneous Escapes , which are the airlines’ last-minute award deals that change every month. Generally, you have to book these by the end of the month and fly by the end of the following month.

At the time of writing, you can use Spontaneous Escapes to book a last-minute flight from New York-JFK to Frankfurt (FRA) on Singapore Airlines for just 56,700 miles in business class.

Southwest Rapid Rewards

Southwest is extremely customer-first with its policies of free changes and cancellations up until 10 minutes before departure, two complimentary checked bags and generally affordable flights. Better yet, Chase points also transfer to Southwest Rapid Rewards .

Southwest flies to lots of fun destinations within the US ( including Hawaii ), and it also flies to a handful of spots around Mexico, Central America and the Caribbean.

Similar to JetBlue TrueBlue, Southwest’s award prices are directly proportional to its cash fares. You can expect to get a value of around 1.4 cents per Southwest point. If you’re happy with that value and you do a lot of travel domestically, this could be a good destination for your Chase points.

United MileagePlus

United MileagePlus rarely offers jaw-dropping value for its miles. Instead, its main draws are:

Its taxes and fees are always low.

United (and its partners) fly to a ton of destinations.

You can easily book most of its Star Alliance partners online (which isn’t the case with all programs).

United Airlines doesn’t have an award chart, so you’ll have to manually search for your desired route and date to know how much you’ll pay. The price can change dramatically from day to day.

As an example, you can see the seemingly random pricing when looking at a weekly calendar between Austin (AUS) and Newark (EWR), with prices ranging from 9,700 miles and 33,700 miles depending on the day you book.

The takeaway is that — for United-operated flights — if you have flexible dates, you can find some great deals

Virgin Atlantic Flying Club

Virgin Atlantic is a SkyTeam member, which allows you to book flights on partner airlines such as Delta, Air France and Korean Air. Virgin Atlantic Flying Club offers unique award charts for travel on these partners as well as on its own metal.

There are plenty of great deals (some of the best in the world of award travel, in fact). For example, you can book Delta One business class award tickets from the US to Europe for just 50,000 points, plus minimal taxes and fees. However, it’s often difficult to find award space.

That said, if you’re OK with paying taxes and fees, redeeming Virgin points for Virgin Atlantic flights can be a great way to save money and award space is plentiful, even on peak travel dates.

As a quick example, you can book a one-way flight from New York-JFK to London-Heathrow (LHR) on Virgin Atlantic for just 10,000 points. The catch is that you’ll pay $151 in taxes and fees on economy flights and more for premium cabins, but that’s often far less than paying for a coach ticket.

IHG One Rewards

IHG One Rewards has over 6,000 properties around the world with recognizable brands like Holiday Inn, Crowne Plaza and InterContinental, among others. It’s also added new brands to its portfolio like Atwell Suites and Voco.

IHG award nights typically range between 10,000 points and 100,000 points per night. However, luxury brands like Six Senses may charge more per night depending on when you travel.

That said, it’s difficult to get even 1 cent per IHG point in value, so it’s usually a bad option for your Chase points. You’re almost always better off reserving your IHG hotel stay through the Chase Travel Portal for 1.25 cents or 1.5 cents per point (depending on which Ultimate Rewards credit card you hold) or saving your points for another redemption.

Marriott Bonvoy

Marriott Bonvoy is the largest hotel chain in the world with more than 500,000 rooms across 8,000 hotels. It’s got an excellent mix of budget and luxury options.

Travel website The Points Guy values Marriott points at 0.84 cents per point, and in our experience, this is accurate. So, similar to IHG, you’re likely to get more value from your Chase points by booking your Marriott stay through the Chase Travel Portal.

That’s not to say it’s always a bad deal. If you need to top-up your account with a few thousand points for a free night, it could be a smart move. Chase also occasionally offers 50% transfer bonuses to Marriott, which makes transferring your Chase points to Marriott a considerably better deal.

World of Hyatt

World of Hyatt is considered by many to be the most valuable Chase transfer partner. There are two reasons for this:

Chase Ultimate Rewards is one of two transferable rewards currency that partners with Hyatt, with the other being Bilt Rewards .

It’s not difficult to receive a value north of 1.5 cents per point when booking a stay.

Hyatt is one of the few programs that still uses an award chart. You’ll pay between 3,500 and 45,000 points per night for a standard room. In short, this means that a property’s award price is confined to a small range, no matter the cash price of the room.

This makes it possible to get an expensive room for a small number of points. For example, a stay at the Park Hyatt Beaver Creek during ski season costs $1,376 per night.

But the same room costs just 45,000 Hyatt points. That gives you a value of more than 3 cents per point — a top-tier use of Chase points.

Hyatt’s biggest downfall is that its international footprint is a small fraction of its competitors. It has over 1,300 properties (as well as additional points-accepting properties from its various partnerships). You’re likely to find Hyatt in cities and at popular destinations — but don’t count on finding them in small towns or off-the-beaten-path areas.

Looking for a travel credit card? Find out which cards  CNN Underscored Money  chose as the  best travel credit cards  currently available.

Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Select Chase Accounts: Book Hotel + Flight, Cruise, or Car Rental Get

• Note: Cardmembers must activate and make qualifying purchases between 3/1/24 and 5/31/24 and all travel must be completed by 12/31/24 11:59 p.m. E.T.
• Flight, Cruise, or Car Rental
• add additional Hotel Stay, Cruise, or Car Rental to the above
• Additionally, Cardmembers who have not purchased travel through Ultimate Rewards/Chase Travel since 3/1/23 will earn an additional 2,000 bonus points on top of either the 5,000 or 8,000 bonus points (7,000 or 10,000 total).

Editor's Notes & Price Research

• Please allow up to 8 weeks after qualifying for bonus points to post to your account. Account must be open and not in default at the time of fulfillment.
• This bonus can only be earned once per cardmember, regardless of how many eligible cards a cardmembers has, and the same eligible card must be used for activation and qualifying purchases.
• Qualifying Chase Travel purchases may be made separately, and all combined qualifying Chase Travel purchases must total at least $150 .
• Eligible credit cards: Chase Freedom card, Chase Freedom Unlimited card, Chase Freedom Rise card, Chase Freedom Flex card, Chase Freedom Student Card, Chase Ink Cash Card, Chase Ink Business Cash Card, Chase Ink Business Preferred Card, Chase Ink Business Unlimited Card, Chase Ink Plus Card, Chase Ink Business Premier Card, Chase Sapphire card, Chase Sapphire Preferred card, Chase Sapphire Reserve card.
• Please see the original post for additional details & give the WIKI and additional forum comments a read for helpful discussion.

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These are the 10 most polluted National Parks, from Sequoia to Yosemite, new report details

The National Parks Conservation Association has listed the most polluted U.S. national parks.

Five California National Parks made the top 10 including Sequoia, Yosemite and Joshua Tree, according to the group's "Polluted Parks" report.

The climate report found that 97% of national parks suffer from significant or unsatisfactory air pollution levels and 98% suffer from haze pollution. Meanwhile, 96% are home to sensitive species and natural habitats that are hurt by ozone pollution and sulfur nitrogen deposition.

"Air pollution and climate change remain some of the most serious threats to the health of our parks today — and the problems they cause include weakening the health of plants and animals, permanently harming ecosystems and negatively affecting visitors’ health and enjoyment," the report said.

The study offers new data showing modest improvements since the NPCA's 2019 report.

Sequoia & Kings Canyon National Parks top list

The Sequoia & Kings Canyon National Parks are considered the most polluted with significant concerns regarding visibility, health and nature.

The California joint parks face several climate change threats from wildfires, drought and invasive species. Industrial sources including oil and gas, agricultural operations and vehicles across the Golden State are responsible for the poor visibility and dirty air.

"With stunning mountains, caverns, forests, foothills and 2,000 plus-year-old sequoias towering overhead, the Land of Giants might seem invincible. In truth, these majestic parks, and the plants and wildlife which rely on them, face the unique and devastating consequences from human-caused air pollution and climate change," the report said.

Top 10 most polluted National Parks

Joshua Tree and the Mojave Desert are also among the the most polluted U.S. National Parks, according to the report. These parks regularly maintain unhealthy air that is harmful for vistors and rangers to breathe.

NPCA listed the following as the top 10 National parks with unhealthy air:

• Sequoia & Kings Canyon National Parks in California
• Joshua Tree National Park in California
• Mojave National Preserve in California
• Yosemite National Park in California
• Carlsbad Caverns National Park in New Mexico
• Death Valley National Park in California
• Indiana Dunes National Park
• Guadalupe Mountains National Park in Texas
• Rocky Mountain National Park in Colorado
• White Sands National Park in New Mexico

Worst National Parks for Hazy Skies

The report also listed the National Parks with the most visible pollution or haze. Hazy skies obscure scenic views and landmarks detracting from the experience of visiting a National Park according to NPCA.

"Our sense of awe and wonder when we see vast and impressive landscapes — or even just the hill or skylinenearby — are part of our human experience of understanding our place in the world.

These are the top 10 worst National Parks for Hazy Skies:

• Gateway Arch National Park in Missouri
• Mammoth Cave in Kentucky
• Carlsbad Caverns in New Mexico
• Indiana Dunes
• Hot Springs in Arkansas
• Death Valley in California
• Channel Islands in California
• Dry Tortugas in Florida
• Pinnacles in California

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