chase travel only gave me 2x points

• 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

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• The Chase 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 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 Travel 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 Travel 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 Travel, 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 Travel 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 Travel 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 use the chase travel portal, you can use chase points to book flights, hotels, car rentals and more through its travel portal..

With the right amount of planning, it's possible to book your entire vacation, including flights , hotels , cruises , car rentals , tours and other activities, entirely on points through the Chase travel portal.

But are you getting the best deal by doing this instead of transferring Chase Ultimate Rewards® points to travel partners and booking directly? It turns out there's a lot more to consider — everything from travel date flexibility and brand variety to the credit card you're using — if you want to get more value for your points by booking through Chase Travel SM .

Below, CNBC Select breaks down the best ways to book flights, hotels, cruises, tours and vacation activities through the Chase travel portal with Ultimate Rewards® points.

How to use the Chase travel portal

• How to earn and redeem Chase Ultimate Rewards points

How to get started with the Chase travel portal

How to book flights through the chase travel portal, how to book rental cars, cruises, and other travel activities, bottom line, how to earn and redeem chase ultimate rewards® points.

To access Chase Travel SM , you'll need to have a credit card that earns Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , Ink Business Preferred® Credit Card , Ink Business Unlimited® Credit Card , Ink Business Cash® Credit Card , Chase Freedom Unlimited® or Chase Freedom Flex℠ .

The easiest way to earn Chase Ultimate Rewards points quickly is by taking advantage of the lucrative welcome bonuses offered by certain rewards cards: 

• You'll earn 60,000 points by signing up for the Chase Sapphire Preferred and spending $4,000 within the first three months of opening your account.
• With the Ink Business Preferred Credit Card 's welcome bonus, you'll earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel SM.
• The Chase Sapphire Reserve 's welcome bonus gives you 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

The card you're using to redeem UR points will also affect your point redemption value . For instance, if you're using the Chase Sapphire Preferred to book through the Chase Travel SM portal, points are worth 25% more (1.25 cents per point). But if you're booking through Chase Travel℠ with the Chase Sapphire Reserve , points are worth 50% more (1.5 cents per point) — the other $0 annual fee Chase cards each carry a redemption rate of 1 cent per point.

That means the bonus points you'd earn from either the Chase Sapphire Preferred's welcome bonus is worth $750 towards travel and the Chase Sapphire Reserve's is worth $900 towards travel.

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

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

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

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

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

Ink Business Preferred® Credit Card

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

21.24% - 26.24% variable

Good/Excellent

Read our Ink Business Preferred® Credit Card review.

Chase Sapphire Reserve®

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 plus, 10X points on Lyft rides through March 2025

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℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

To reach the Chase travel portal, log into your Chase account, then click the area near the right side of the screen where it says the amount of your Chase UR points. Depending on how many Chase credit cards you have, you may be asked to choose which one you want to proceed with.

The next screen is your credit card's main dashboard, showing how many UR points you currently have, as well as any deals or bonus opportunities. On the top of the page, you'll see several menus with redemption options.

While not the best redemption in terms of overall value, you could choose to use your Chase points for Apple and Amazon purchases, cash them in for gift cards and experiences, or reimburse yourself for certain recent charges through Chase's Pay Yourself Back tool . This is also where you can transfer points directly to one of Chase's 14 travel partners if you have a specific flight or hotel in mind. Otherwise, click "book travel" to enter the Chase travel portal.

From here, you'll be able to search for flights, hotels, rental cars, activities and cruises. Simply choose your category, plug in your desired dates and details, and book with points, cash or some combination of the two.

There are a few pros and cons to consider when booking flights through the Chase travel portal. You won't have to worry about blackout dates or limited award availability, which makes it great if you're not flexible with dates and flight times. Just make sure you compare the number of points needed through the Chase travel portal with how many points the airline would require if you were using its own miles, especially if you're hunting for a good deal on economy seats.

The catch with using the Chase travel portal is you won't be able to shop for tickets on low-cost carriers like Spirit Airlines, Frontier Airlines, or Allegiant Air — you can search for flights on Alaska, Southwest, Delta, JetBlue, American, and United. You'll also be able to book flights on most international carriers.

Remember that you can still earn miles and elite credits on flights, as tickets booked through the Chase travel portal are categorized as "paid" rather than as an award flight since you're "paying" for them with points instead of cash. Consider the taxes and fees you might have to pay if you were to transfer the points straight to one of Chase's travel partners versus booking directly through the portal, and to calculate and compare how many points and miles you'd earn by booking with either method.

You'll be able to search, filter, and sort by price, airline, booking class, departure time, arrival time, and departure airport. For this example, below, consider a round-trip flight from Seattle to Austin with sample dates of Feb. 1–7, 2024, booked through the travel portal with a Chase Sapphire Preferred card (redemptions are worth 1.25 cents per point):

Results included 107 results with an economy mix-and-match United and Delta fare for $370 or about 29,600 points being the most affordable option. For comparison's sake, the points price is about the same as what United and Delta are currently charging if you were to book the awards directly through the airlines, but Delta isn't a transfer partner of Chase. You also won't earn miles if you were to book these awards through the airlines, whereas you will earn miles when booking through Chase.

To finish booking your flight through the travel portal, select your route(s), review the details, choose how many points you'd like to use and complete your purchase.

How to book hotels through the Chase travel portal

While the best redemption rates are usually realized when you transfer Chase Ultimate Rewards points at a 1:1 ratio to hotel partner World of Hyatt, if you're not a huge fan of chain hotels or prefer boutiques or brands like Hilton, Choice Hotels, or Wyndham, it can be a good idea to book them through the travel portal. 

As with flights, you won't have to worry about blackout dates or limited award night availability. However, keep in mind that hotels treat the Chase travel portal as a third-party booking agency, so you won't be able to earn hotel points on stays as you might by booking your stay directly with the hotel.

Hyatt hotels usually offer better deals when you book directly, and since it's one of Chase's hotel partners, you can transfer UR points instantly at a 1:1 ratio. Marriott and IHG are usually more varied, so you may score a better deal by booking via the Chase travel portal instead of transferring points over. For this reason, it's a good idea to ring up how much your hotel stay would cost in points through the portal as well as the hotel's website.

Start by searching by destination so you can see a list of all the available hotels. For this example, let's try looking for hotels in Downtown Austin from Feb. 1–7, 2024. Once the results appear, you'll be able to narrow down your search with filters based on price, star ratings, guest ratings, amenities and neighborhood.

Let's go over a couple of options within the Chase travel portal, each booked with a Chase Sapphire Preferred credit card. One option is the Four Seasons Hotel Austin, which is listed for $556 or about 44,500 points per night through Chase. If you book through Four Seasons, directly, you'll pay $561 per night. The hotel chain also doesn't have a rewards program but going through Chase provides a way to pay with points.

Another example is the Hyatt Place Austin Downtown for $288 or about 23,000 points per night through Chase. If you were to book this directly through Hyatt, you'd pay $279 per night as a member of its loyalty program or just 15,000 World of Hyatt points per night if you booked with points. Since you can transfer your Ultimate Rewards points to Hyatt at a 1:1 ratio, in this case, transferring would make more sense.

As you can see, it's worth comparing points required by the travel portal and each hotel's website, as the time of year, location, and other factors may play a part in pricing. To book your stay through the travel portal, select your room type, review the details, choose how many points you'd like to use and complete your purchase.

It's a pretty similar process if you want to book rental cars, tours and other travel activities through the Chase travel portal. Cruises can also be booked as well, but you'll need to call.

As far as car rentals, make sure you're booking through the travel portal with points that are connected to Chase Sapphire Preferred or Chase Sapphire Reserve to take advantage of extra perks like primary rental car insurance — you'll also need to decline the rental car company's auto collision damage waiver when you book to activate this. You'll want to charge at least a few dollars to the card and not use points to cover the entire booking which ensures that you're still "paying" for the car rental with your Sapphire card, which means you'll be entitled to the card's rental car insurance.

Beyond that, simply plug in your itinerary and search. Here's an example for a rental in Austin from February 1–7, 2024, booked with a Chase Sapphire Preferred credit card:

You'll be able to filter your search by capacity, car type, price per day, company, and car options (like air conditioning and automatic transmission). For a seven-day rental, it would cost around 24,800 points or $310 for the cheapest option. As with other travel portal purchases, you'll be able to enter how many Chase Ultimate Rewards points you wish to put toward the final price. It works the same way for booking tours and other travel activities, so you could potentially enjoy a free — or nearly free — vacation solely on Chase points if you were to plan it all out properly.

Booking through the Chase travel portal can be a great use of your Ultimate Rewards® points, but make sure to compare the rates against booking directly with an airline or hotel itself. Finally, consider transferring your points to one of Chase's travel partners, especially if you're looking to book a luxury hotel or flight in business class.

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How to Change a Flight Booked Through Chase

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Table of Contents

I booked a flight through Chase Ultimate Rewards®

I transferred chase points to an airline or hotel, can travel insurance help, the bottom line.

Although some countries are slowly opening up for tourism as the coronavirus pandemic ebbs and flows around the world, constantly changing entry restrictions can create a risk for travelers booking nonrefundable trips. Luckily, many airlines and hotels are offering loosened change and cancellation policies to make it easier for travelers to modify their plans.

But what if you’ve booked your trip with Chase Ultimate RewardsⓇ points? Can you still get a full refund? If so, will you get your points back or a voucher? Here’s what you need to know about canceling trips booked through the Chase travel portal.

When you purchase a flight with cash, Chase Ultimate Rewards® points or a combination of both, your refund options will depend on your travel dates as well as Chase’s, and the carrier’s cancellation policy.

Cancel the flight by selecting it from the “My Trips” section within your chase account and either speak with a Chase representative through the live chat feature or complete Chase’s cancellation form. The form can only be accessed once you’re logged in to your account, and you will need your Chase itinerary number (11-15 characters included in your booking), along with the email address and phone number attached to your reservation.

Although calling customer service is an option, hold times can vary — so if your cancellation is straightforward, you’d be better off canceling your trip online.

» Learn more: AmEx vs. Chase points

Can I get a Chase Ultimate Rewards® points refund?

Generally, you should receive a refund in the original form of payment, but the evidence has been mixed. On Chase's website, the company says it will work with your travel provider on your behalf to manage any refunds or credits. This Reddit thread has differing reports from multiple people, ranging from receiving a refund in points or flight credits/vouchers. Some have reported initially receiving vouchers, but escalating the issue and then getting Chase Ultimate RewardsⓇ points back instead.

The situation is likely dependent on an airline’s policy. If the airline is offering flight vouchers, it may be difficult to receive a full refund in points from Chase (as opposed to a scenario in which the airline offers cash-back in the form of payment). If you’re not happy with the refund option you’ve received, try escalating the issue by contacting the Chase Ultimate Rewards® travel customer service phone number at 1-888-511-5326 or reaching out to Chase on Twitter.

» Learn more: The Chase Ultimate Rewards travel portal guide

If you’ve transferred your Chase Ultimate Rewards® points to a hotel or airline, and then made a reservation that you need to change or cancel, you’ll need to deal directly with the carrier rather than Chase. All point transfers from Chase to its airline and hotels partners are irreversible, so you will not get your Chase Ultimate Rewards® points back if you cancel your reservation. Any cancellations or changes made will be bound by the airline or hotel’s cancellation policy.

On the bright side, many airlines and hotels have loosened their cancellation policies , so there’s a higher likelihood that canceling a reservation will result in a refund of your airline or hotel points back to your loyalty account.

Travel insurance can help get your money back if you need to cancel a nonrefundable ticket for a covered reason, such as an illness, natural disaster or other extenuating circumstances.

Some travel insurance companies specifically exclude pandemics from coverage, which would nullify any claims made related to coronavirus since it was declared a pandemic by the World Health Organization on Mar. 11, 2020. Other providers do not have a pandemic exclusion at all. Furthermore, insurance options vary by state, so you’ll want to review the fine print of your policy before purchasing to ensure you get the coverage you’re looking for.

However, canceling your flight because you’re afraid of contracting coronavirus is not a covered reason. In instances like this, you’d want to look into a "Cancel For Any Reason" (CFAR) travel insurance optional add-on, which will allow you to cancel a trip for truly any reason and provide a 50%-75% refund as long as you cancel at least two days in advance. CFAR is offered by some insurers as a supplemental upgrade when purchasing a comprehensive travel insurance policy, and it cannot be purchased on its own.

» Learn more: Does my travel insurance cover the coronavirus?

Traveling now carries with it a higher degree of uncertainty than ever before. To save yourself heartache, get familiar with Chase’s and the carrier’s cancellation policies. If you’re planning a trip months away and want the option of canceling for any reason, consider purchasing the CFAR supplement when buying a travel insurance policy to ensure you receive a refund if you need to postpone your trip.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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 Travel℠, 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 when you redeem through Chase Travel℠.

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.

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Credit Cards

Best ways to use Chase points

Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 5:51 p.m. UTC March 28, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Oleh_Slobodeniuk, Getty Images

There’s a reason why Chase credit cards are recommended for a broad spectrum of travelers. Those new to the world of travel rewards as well as experienced veterans can find plenty of value and simplicity in the Chase Ultimate Rewards® program. Chase points, earned through welcome bonuses and everyday spending, provide access to some of the best hotel and airline transfer partners in the business — 14 of them in total. In addition, redeeming those rewards in the easy-to-use Chase Travel℠ portal can offset a variety of trip costs, from rental cars to activities and tours and more. 

Our list of the best ways to use Chase points certainly isn’t exhaustive. Instead, our options supply travelers with a range of possibilities to inspire their next getaway, whether that’s a hotel stay, first-class flight, economy booking or a mix of it all. The “best” option comes down to your individual travel needs.

Book hotel stays by transferring Chase points to Hyatt

Among the major hotel chains, World of Hyatt generally has the most reasonable award pricing, with a nightly cost for a Hyatt property ranging from 3,500 points to 45,000 points. Chase Ultimate Rewards points transfer at a 1:1 ratio to World of Hyatt. 

While the World of Hyatt hotel portfolio is smaller than many other international chains, the number of properties continues to expand globally. Currently, there are more than 1,300 hotels in 76 countries under the Hyatt umbrella, including luxury brands like Park Hyatt, Alila, Andaz and Miraval. Hyatt might not have the size of some other chains, but it makes up for it by delivering some of the most consistent (and generous) benefits to its program members. 

Redeem for 1.25 to 1.5 cents per point on general travel

While transferring points can often provide outsized value, for simplicity’s sake (and for those newer to the world of rewards), redeeming points through Chase Travel℠ can be a worthwhile option. Those who hold the Chase Sapphire Reserve® can redeem points for a flat 1.5 cents each toward travel purchases, while cardholders with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. can redeem points for 1.25 cents each toward travel. 

This option means there is no need to search for capacity-constrained award availability; booking through the Chase Travel portal is similar to booking through any other online travel agency. However, Chase’s version allows cardholders to offset the cash cost of a booking with their points. 

Transfer to Air France-KLM during Flying Blue “Promo Rewards”

Every month, Flying Blue, the joint loyalty program of Air France and KLM, offers exclusive discounts on flights to and from specific cities or regions for booking until the end of each month — along with a specified travel window. While these offers change from month to month, there are often exceptional deals that make transferring to Flying Blue a no-brainer. Chase Ultimate Rewards points transfer at a 1:1 ratio to Air France-KLM Flying Blue. 

Sample Promo Rewards that we’ve seen include economy awards between Europe and John F. Kennedy International Airport (JFK), Los Angeles International Airport (LAX), Miami International Airport (MIA) and Seattle-Tacoma International Airport (SEA) for 15,000 miles each way. Even without a Promo Reward, you can generally expect that transatlantic business class awards will start around 55,000 miles each way, a decent value in and of itself. 

Transfer to Virgin Atlantic Flying Club to fly ANA to Tokyo 

A frequent flyer favorite redemption is the ability to book ANA first- and business-class flights via partner Virgin Atlantic Flying Club. For instance, Virgin requires just 60,000 points for a one-way, first-class ticket between New York (JFK) and Tokyo (TYO). Thanks to the ability to transfer Chase Ultimate Rewards points to Virgin at a 1:1 ratio, that means it’ll require as little as 60,000 Chase points for this specific flight. Keep in mind, as with all transferable award bookings, availability is often limited. 

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Credit cards that earn Chase points

• Chase Sapphire Preferred Credit Card ($95 annual fee).
• Chase Sapphire Reserve Credit Card ($550 annual fee).
• Ink Business Preferred Credit Card ($95 annual fee). 

Chase offers a variety of Ultimate Rewards points-earning credit cards, but it’s important to note the distinction that the no-annual-fee Chase Ultimate Rewards cards below must be combined with one of the cards above to transfer rewards. 

• Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
• Chase Freedom Unlimited® .
• Ink Business Cash® Credit Card .
• Ink Business Unlimited® Credit Card .

What other ways can you redeem Chase points?

Chase points can also be redeemed for a variety of non-travel options, from statement credits (1 cent per point), gift cards (1 to 1.3 cents per point), Apple purchases (1 cent per point) and more. Here’s a full list of the ways to redeem Chase points . 

Tips for maximizing your Chase rewards

• Compare the cost of a booking through the Chase Travel portal with the cost of booking directly through a partner program. (For instance, look at United’s website to see how many miles a flight would cost and compare that to how many Chase points would be needed on the Chase Travel portal.) 
• Be on the lookout for transfer bonuses that appear from time to time with specific programs; this will allow you to use fewer points for a redemption. 
• Only transfer to a hotel or airline program when you have a specific use in mind; there is no way to reverse a transfer once it’s complete. 

Frequently asked questions (FAQs)

50,000 Chase points are worth at least $500 when redeemed for cash back or travel through the Chase Travel portal and as much as $750 if you hold the Chase Sapphire Reserve® card. However, it’s possible to get even more value when transferring to Chase’s travel partners. For instance, perhaps two nights at a Hyatt property costs $2,000 in cash but only 50,000 Hyatt points to book (Chase transfers to Hyatt at a 1:1 ratio). 

100,000 Chase points are worth at least $1,000 when redeemed through the Chase Travel portal, and as much as $1,500 for travel on the portal if you hold the Chase Sapphire Reserve Credit Card. However, it’s possible to get even more value when transferring to Chase’s travel partners for expensive premium cabin flights or luxury hotel stays. 

Chase points never expire, but you do need to have an open credit card in good standing that earns Ultimate Rewards points.

Ultimate Rewards points are the rewards currency of select Chase credit cards, earned via welcome bonuses, spending, shopping portals and more. Those points can then be redeemed for a variety of travel and non-travel expenses. 

Generally, cardholders can get the most value from Chase points (at more than 1 cent apiece) by booking travel, but redeeming points for cash back is also an option for those who prefer that over travel rewards redemptions.

*The information for the Chase Freedom Flex℠ and Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Chris Dong is a travel, loyalty, and credit cards reporter. He has covered travel and personal finance content for national print and digital publications including The Washington Post, Business Insider, The Points Guy, Travel + Leisure, AFAR, Condé Nast Traveler, Lonely Planet, and more. When he’s not on the road, Chris calls Los Angeles home after nearly 10 years in New York City.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Chase Sapphire Preferred® Card: Details on 2x Points Per Dollar on Travel

Update: Some offers mentioned below are no longer available. View the current offers here .

I've had the Chase Sapphire Preferred® Card for several months now and the portion of my total spend on the card keeps increasing. I've extolled the benefits of this card many times and I firmly believe this is the best overall travel card on the market right now - at least for the savvy points collector - especially with the current 50,000 point sign-up bonus after spending $4,000 in 3 months (with an additional 5,000 points after you add an additional user and make a purchase in the first 3 months).

I also love the fact that you earn two points per dollar on travel and dining, since as I've said before - that's basically all I do. However, it hit me the other day that I didn't know exactly what was included in "Travel" since it's a pretty broad category. Honestly, I thought it would just include airfare, hotel and rental car - but it actually includes much more. I asked my contact at Chase to clarify and she confirmed the 2x points on travel actually includes:

Airlines Auto/truck/RV rental Limos and taxis - including Uber Lodging Travel agencies Railways Tolls and bridges Parking (lots, meters, garages) Bus Time shares

So honestly, this is much more than what we traditionally think of as travel. If you live in a city where you take taxis, the 2x points could add up quickly. The only things I don't put on my Chase Sapphire Preferred® Card is airfare, because I get 4 points per dollar when booking through using my Premier Rewards Gold Card from American Express and gas and groceries, which my Premier Rewards card gives 2x. Everything else will go on Sapphire, because I value Ultimate Rewards points and the instant 1:1 transfers to Continental, United, British Airways, Korean Air, Hyatt, Marriott, and Priority Club. Amex points are still valuable since they often run lucrative transfer bonuses, but if Chase ever matched them in that department, I'd shift even more spend away from Amex.

So yea, anytime you think something might qualify for travel, you might as well use your Chase Sapphire Preferred® Card card. And if a charge doesn't post as you expect, I know many people have had success calling Chase (live phone reps always answer) and making a case for the bonus points. Heck, I just purchased my Oneworld Mega Do tickets with my Chase Sapphire Preferred® Card - can't hurt to try and get 2x points on that!

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• Credit Cards

19 Best Ways To Earn Lots of Chase Ultimate Rewards Points [2024]

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Senior Finance Contributor

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Flexibility of Ultimate Rewards

Ease of earning ultimate rewards, chase personal cards that earn ultimate rewards points, 1. earn a welcome bonus offer, 2. purchase travel, 3. use chase travel, 4. buy groceries, 5. dine out, 6. fill up your tank, 7. pay your household bills, 8. earn on quarterly bonus spending categories, chase business cards that earn ultimate rewards, 9. pay for travel expenses, 10. earning through chase travel, 11. pay other business expenses, 12. purchase gift cards, 13. dine out, 14. fill up your tank, 15. go shopping in the chase ultimate rewards shopping portal, 16. everyday purchases, 17. 90-day second chance welcome offer, 18. refer-a-friend for a chase credit card, 19. add an authorized user, everything else you need to know, final thoughts.

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Chase Ultimate Rewards points rival Amex Membership Rewards points as the “holy grail” of credit card rewards.

This is evidenced by the fact that Ultimate Rewards points offer everything you’d want from a rewards currency, including the ability to earn a lot of points without limits and the option to select from a wide variety of flexible redemption options .

Chase issues a powerful collection of credit cards that earn Ultimate Rewards points, so there’s a card (or combination of cards) for every spending profile, whether personal or business.

In fact, you may need a primer on how many ways you can earn Ultimate Rewards points. So, in this article, we’ll cover why you’d want to earn Ultimate Rewards points, which personal and business Chase credit cards earn Ultimate Rewards points, and all of the ways you can earn Ultimate Rewards points.

Let’s get started!

Why Ultimate Rewards Points?

Credit cards offer several reward currencies, but the most valuable are those with flexible redemption options that are relatively easy to earn .

Ultimate Rewards points are valuable because they have both of those key characteristics.

Flexible redemption options for your Ultimate Rewards points result in rewards that you can actually use!

• Redeem rewards at any time with no minimum or maximum redemption amount per transaction
• Transfer rewards to the loyalty programs of the Chase travel partners
• Transfer rewards between business and personal Ultimate Rewards accounts
• Use a combination of points and cash for travel purchases
• Have the option to redeem points for cash, gift cards, and more

Earning Ultimate Rewards points on your purchases is easy when your spending mix matches the reward-earning categories on your Chase credit card.

• Every purchase made earns Ultimate Rewards points
• Bonus category purchases allow you to earn up to 10x rewards
• Generous welcome offers jumpstart your earnings
• Earn up to 20x Ultimate Rewards or more through the Shop through Chase shopping portal

With all the ways available to earn Ultimate Rewards, you may need some assistance sorting through all of the options.

Let’s look at which Chase credit cards earn Ultimate Rewards points and the many ways to earn them.

Bottom Line: Earning a lot of valuable Ultimate Rewards points creates an asset that can be used to fund a family vacation, offset business expenses, or redeem for immediate cash in an emergency.

Earn Lots of Chase Ultimate Rewards With Chase Personal Cards

There are plenty of ways to earn Ultimate Rewards points with Chase personal credit cards. Whether your greatest spending is on travel, dining out, or shopping at wholesale clubs, you’re going to earn rewards on every purchase.

Let’s take a look at all the ways to earn Ultimate Rewards points with Chase personal cards.

There are a number of personal Chase credit cards that earn Ultimate Rewards points. Each has features, benefits, and earning structures that reward specific spending patterns.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or 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 $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

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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
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Chase Freedom Unlimited ®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases
• No annual fee
• Earn big on travel purchased through Chase Travel
• Everyday bonus on dining and drugstores
• Straightforward cash-back on all other purchases
• Ability to pool points
• 3% foreign transaction fee
• INTRO OFFER: 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!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 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.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• Excellent cell phone insurance
• Mastercard World Elite benefits
• 3% foreign transaction fees in U.S. dollars
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards ® , our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
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The fastest way to earn plenty of Ultimate Rewards points is to sign up for a Chase credit card that earns Ultimate Rewards points, complete the initial spending requirement, and earn a welcome bonus offer .

All Chase credit cards that earn Ultimate Rewards points offer a welcome bonus offer, and some can be quite generous. Although offers can differ, the bonus is generally earned after reaching an initial spending level in the first 90 days after you’re approved for the card.

Fortunately, Chase defines “travel” very broadly , so nearly any travel-related purchase you make will earn extra rewards.

The merchant code assigned by the credit card network will determine eligibility, but Chase lists the following examples of purchases that qualify as travel:

• Buses, limos, taxis, ferries
• Campgrounds
• Car rental agencies
• Cruise lines
• Highway and bridge tolls
• Hotels and motels
• Parking lots/garages
• Passenger trains
• Travel agencies and discount travel sites

Let’s take a look at the earning power of making travel purchases with your personal Chase credit card:

While the Chase Sapphire Reserve card offers the highest rewards for travel purchases (and for redemption), it does come with a $550 annual fee.

The Chase Sapphire Preferred card offers up to 5 points per $1 spent on travel, has a lower $95 annual fee, and still delivers 25% more value when redeeming points for travel on the Chase travel portal.

Bottom Line: If you have a premium Chase Ultimate Rewards-earning credit card, you can transfer Ultimate Rewards points to those accounts and redeem them for greater value (up to 50% more) through the Chase travel portal. 

While many use Chase Travel to redeem Ultimate Rewards points, you can also earn points by purchasing travel through the portal.

A convenient way to do this is to pay for a portion of your travel purchase with Ultimate Rewards Points and the remainder using your Chase credit card. You will earn the corresponding Ultimate Rewards points for the amount of travel charged on your card.

The Freedom Unlimited card earns 1.5% cash-back on every purchase, making it a good choice for everyday purchases, including groceries.

Do you dine out a lot? Several Chase credit cards earn elevated rewards on purchases made at restaurants:

The Freedom Unlimited card earns 1.5% cash-back on every purchase, including purchases made at gas stations.

Since all Chase Ultimate Rewards credit cards earn rewards on every purchase, you’ll earn points for paying your household expenses.

The Freedom Flex card has a unique earning structure with quarterly bonus categories that earn 5% cash-back!

Each quarter, there’s a different lineup of bonus category merchants. Previous bonus merchants have included department stores, restaurants, gas stations, wholesale clubs, and theaters. There is a limit of $1,500 in purchases per quarter that earn 5% — any additional spending in the bonus category will only earn 1%.

While we don’t yet know the 5% bonus categories for all of 2024 just yet, we do know the bonus categories for the first quarter of this year. You can earn 5% cash-back on up to $1,500 in purchases at grocery stores (excluding Target and Walmart); fitness clubs and gym memberships; and self-care and spa services between now and March 31, 2024 , as long as you activate the bonus category by March 14, 2024.

Hot Tip: The Chase Sapphire Preferred card and Chase Sapphire Reserve card allow you to earn 5x to 10x points on select Peloton purchases over $250 through March 31, 2025.

Earn Lots of Chase Ultimate Rewards Points With Chase Business Credit Cards

If you have a business (small or large), there’s a Chase business credit card that will match up with your business spending mix to earn the most Ultimate Rewards points possible.

Ink Business Preferred ® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• Trip cancellation and interruption insurance
• Rental car insurance
• Extended warranty coverage
• No elite travel benefits like airport lounge access
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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Ink Business Cash ® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

The Ink Business Cash ® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee , and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
• 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• Travel insurance and purchase protection
• 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• Employee cards at no additional cost
• Spending caps in bonus categories
• Low points earning outside of bonus categories
• 3% foreign transaction fees
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards ® .
• 0% introductory APR for 12 months on purchases
• APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
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Ink Business Unlimited ® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited ® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

• 1.5% cash-back on all purchases
• Earn flexible rewards
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
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Ink Business Premier ® Credit Card

Earn up to 5% cash-back for your business without complex bonus earning categories!

Chase has introduced the Ink Business Premier ® Credit Card  to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.

• Earn 2.5% total cash-back on purchases of $5,000 or more
• Earn 2% cash-back on all other business purchases
• Unlimited 5% total cash-back on travel purchased through Chase Travel
• No foreign transaction fees
• Trip cancellation and trip interruption insurance
• No additional cost for employee cards
• Primary rental car coverage
• $195 annual fee
• Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
• Rewards cannot be pooled with Chase cards that offer access to transfer partners
• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
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Maximizing the Ink Business Unlimited Card

If you have a premium Chase credit card (i.e., a card that carries an annual fee) such as the Chase Sapphire Reserve card or Chase Sapphire Preferred card, you can transfer the rewards earned on your Ink Business Unlimited card over to those cards. You’ll then receive up to 50% more value when redeeming for travel through Chase Travel.

Bottom Line: With multiple Chase Ultimate Rewards-earning business credit cards, finding one that matches your business spending patterns and earns the most rewards is easy.

Those expenses add up quickly if your business involves a lot of travel. Earning Ultimate Rewards on those purchases delivers tremendous value back into your business — or can help fund that much-needed family vacation.

Hot Tip: The definition of “travel” for Chase purchases is the same for personal and business credit cards.

Whether you’re purchasing an airline ticket, staying at an Airbnb, or taking a taxi across town, all your travel-related purchases (up to $150,000 per year) earn 3 points per dollar spent on the Ink Business Preferred card.

Read our guide to find out how you can redeem Chase points for Airbnb rewards.

Redeeming your Ultimate Rewards points through Chase Travel with the Ink Business Preferred card gives you 25% extra value. Additionally, you can purchase travel via the portal and earn 3 points per dollar spent when you pay with your Ink Business Preferred card.

Chase Travel also allows you to pay partially with points and the remainder with your Chase credit card. You’ll earn Ultimate Rewards points on the portion you pay with your card.

Your business has many different expenses that may or may not fall into a particular bonus-earning category. Selecting the business credit card that closely matches your largest expenses will ensure you’re earning maximum rewards.

Here’s a sample of how Chase business credit cards earn on common business expenses.

Hot Tip: If your business maximized the $150,000 limit for 3x earnings on the Ink Business Preferred card , your business would realize $5,625 worth of travel when redeeming points through Chase Travel!

Many Ultimate Rewards bonus category merchants (such as office supply stores and gas stations) sell gift cards you can purchase to use for non-bonus category spending.

For example, you may be able to purchase grocery store, gas, hotel, and department store gift cards at an office supply store or gas station and receive an elevated 3% to 5% bonus on the purchase.

All those restaurant business meetings, late-night hotel dinners, and quick bites during your road trip could also earn you Ultimate Rewards points!

Use these business Chase Ultimate Rewards-earning credit cards for multiple rewards per dollar spent on dining:

The Ink Business Cash card is your go-to card for gas purchases. If you’re a road warrior, you’ll earn 2% cash-back on the first $25,000 spent at the pump (including combined purchases on dining).

Using the Ink Business Unlimited card would also be a good option, as it earns 1.5% on every purchase (including gas)!

More Ways To Earn Ultimate Rewards on Chase Credit Cards

No matter which Chase Ultimate Rewards-earning credit card you have, you can earn multiple points per dollar spent on your card.

An excellent way to earn Ultimate Rewards points is to utilize Chase’s shopping portal: Shop through Chase .

You can log in to the Ultimate Rewards shopping portal using your Chase account online password.

Click on Earn Bonus Points  at the top of the Ultimate Rewards home page, and you’ll see the shopping link.

Hot Tip: Earn big on dining out by purchasing Restaurant.com certificates on Shop through Chase to earn up to 20 points per dollar spent or more during special promotions.

Every purchase on your Ultimate Rewards-earning credit card earns at least 1 point per $1 spent.

If you’ve signed up for a Chase credit card offer and see a higher offer is now available, you can contact Chase; they may match that offer.

For example, say you were approved for a Chase credit card with a welcome bonus offer of 60,000 Ultimate Rewards points, but you now see that a 75,000-point welcome bonus offer is available.

You might be able to get that offer matched by Chase. Within 90 days of approval, just call or send a secure message via your Chase online account to see if they’ll consider granting the higher welcome bonus offer.

The Chase Refer-A-Friend bonus is another great way to earn more Ultimate Rewards points without spending. If you have an Ultimate Rewards-earning Chase credit card, you can refer a friend to sign up — and you’ll both receive a bonus . Once they meet the offer requirements, they will earn the stated welcome offer on the card, and you’ll get a bonus once they’re approved and make a purchase!

Bonus amounts vary depending on the card and whether an existing offer is available. There is also an annual limit to how many points you can earn.

Ultimate Reward bonuses for adding an authorized user to your credit card come and go.

Once you’re approved for your new Chase credit card, you may receive a bonus offer for adding an authorized user. You can also call the number on the back of your card to see if a bonus is available.

There is no set limit to how many Chase credit cards you can have, but Chase does have a rule about how many total credit cards you can open within 24 months.

Hot Tip: Be sure to review the  Chase 5/24 rule  before applying for any Chase credit card.

As Chase allows you to have only 1 Sapphire credit card , you’ll need to decide between the Chase Sapphire Preferred card or the Chase Sapphire Reserve card. Both cards are personal credit cards.

While there are plenty of ways to earn lots of valuable Ultimate Rewards points, the real fun starts at redemption time.

If you have a premium Chase credit card, such as the Ink Business Preferred card, Chase Sapphire Preferred card, or Chase Sapphire Reserve card, you’ll receive 25% to 50% more value when redeeming points on the Chase Travel (depending on the card).

You’ll also experience enhanced value when you transfer Ultimate Rewards points to Chase’s travel partners.

Check out our complete guide for other ways to redeem your Ultimate Rewards Points for maximum value .

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What are chase points.

Chase’s points program is called  Ultimate Rewards . The points you earn, redeem, and transfer are called Chase Ultimate Rewards points.

What are Ultimate Rewards points worth?

The value of Ultimate Rewards points depends on the redemption. A poor redemption, such as cash-back, will result in a value of about 1 cent per point.

You can redeem points with many Chase partners, including frequent flyer and hotel loyalty partners. For some of these programs, the value can be as high as 7 cents per point, depending on your redemption!

That’s like getting a $100 ticket for the equivalent of about 1,428 points.

How do I transfer Chase Ultimate Rewards points to United, Southwest, British Airways, and other airlines?

To transfer your points to airlines:

• Sign in to your Chase Ultimate Rewards account.
• Select Go to Ultimate Rewards  on the right side of your account under your Ultimate Rewards points.
• Hover over Use Points  at the top and select Transfer to Travel Partners .
• Choose from one of the listed airlines by selecting Transfer Points  next to its name.
• Select your name or the recipient’s name from the drop-down menu and enter the member ID associated with the partner to which you are transferring points (e.g., British Airways).
• Enter the number of points (in increments of 1,000) you wish to transfer from your Ultimate Rewards account to the partner account and press Continue.

Who are Chase Ultimate Rewards partners?

Chase’s airline transfer partners include: Aer Lingus AerClub , Air Canada Aeroplan , British Airways Executive Club , Flying Blue Air France KLM , Emirates Skywards , Iberia Plus , JetBlue , Singapore Airlines KrisFlyer , Southwest Airlines Rapid Rewards , United Airlines MileagePlus , and Virgin Atlantic Flying Club .

Hotel partners include: World of Hyatt ,  IHG Rewards , and Marriott Bonvoy .

When do Ultimate Rewards points update in your account?

Points earned will appear in your Ultimate Rewards account at the end of each monthly billing cycle.

How do I transfer Chase Ultimate Rewards points to a spouse?

You must add a spouse or member of your household as an authorized user before you can transfer points to them. After you’ve done this, go to your Ultimate Rewards account, hover over your points on the top right, and select Combine points .

Then you will see your spouse listed on the loaded page. Select your spouse’s name and press Continue to enter in the number of points you want to transfer.

When do Chase Ultimate Rewards points expire?

Chase points do not expire . The only way you can lose points is if you or Chase closes your account.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Book your trip through Chase Travel and get rewarded with 5,000 bonus Ultimate Rewards points when you book 2 travel components, or 8,000 when you book 3. Choose from hotels, flights, cars and cruises.

Haven’t traveled with us in a while? You may be eligible for an extra 2,000 bonus points.

Activate and book March 1 to May 31, 2024 for stays through the end of the year.

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Experiment: Can You Earn Expedia Rewards With the Chase Travel Portal?

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There’s been big news recently for folks who like to book flights, hotels, and more through the Chase Ultimate Rewards travel portal .  Expedia is now powering the Chase Ultimate Rewards travel portal , which has opened up many more options!

Currently, the Expedia-run portal is only available to Chase Freedom and Chase Freedom Unlimited cardholders, but other cards like the Chase Sapphire Preferred Card will be brought onboard in the next few months.

Some of our readers asked if they could now earn Expedia Rewards points for Chase Ultimate Rewards travel portal bookings, like they would by booking with Expedia directly.

So I did an experiment to see if you can earn Expedia Rewards points booking through the updated Chase Ultimate Rewards travel portal.  Here’s how it went.

Will Chase Ultimate Rewards Travel Portal Bookings Earn Expedia Rewards Points?  

Connexions Loyalty powered the Chase Ultimate Rewards travel portal for years.  But now if you hold a Chase Freedom or Chase Freedom Unlimited card, you have access to the Chase Ultimate Rewards travel portal powered by Expedia .

Other Chase Ultimate Rewards cards, like the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Business Preferred, Chase Ink Business Cash, and Chase Ink Business Unlimited will be transferred from Connexions Loyalty to Expedia over the coming months.

I wanted to know whether you could earn Expedia Rewards points through the Chase Ultimate Rewards travel portal.

No Way to Add Your Expedia Rewards Number Online

To figure that out, I booked a flight and hotel through the Chase Ultimate Rewards travel portal powered by Expedia.  At no point in the process was I able to add my Expedia Rewards number to the booking.

After booking, I logged into Expedia Rewards and used the My Trips feature.  I tried entering the confirmation number provided by the Chase Ultimate Rewards travel portal, but it gave me an error.

Time to Call Expedia and Chase!

So then I called Expedia directly.  They were able to see the reservations using the Chase confirmation numbers, but noted that it was a booking made through Chase and that they couldn’t do anything to it, including adding my Expedia Rewards number.  They recommended I call Chase.

Following Expedia’s recommendation, I called Chase travel services at  866-406-1217 to add my Expedia Rewards number to the reservations.  The agent put me on hold, and then came back reading a policy that states it’s impossible to add an Expedia Rewards number, because the portal is run by Chase Ultimate Rewards.

So unfortunately, it is  NOT  possible to earn Expedia Rewards points through the Chase Ultimate Rewards travel portal powered by Expedia.  While Expedia is the back-end provider for hotel and flight reservations for the Chase travel portal, companies can use their own rewards program with the Expedia booking engine , which excludes earning rewards through the Expedia Rewards program.

Other Ways to Double Dip or Save

If you don’t want to use the Chase Ultimate Rewards travel portal, you might consider booking hotels through a different online travel agency instead.  For example, CheapTickets is powered by Expedia, and generally accesses the same prices and inventory as Chase and Expedia.

However, CheapTickets almost always has a substantial promotion code for hotels on their front page (at the time of writing it was 16% off).  Considering Expedia rates generally match the hotel’s best available rate, this can equate to substantial savings beyond the value of earning points directly through Chase or Expedia.  You even earn “CheapCash” when booking hotels!

Note:   Hotel bookings through 3rd-party sites, including the Chase Ultimate Rewards travel portal, won’t earn hotel points or elite credit.  And there’s no guarantee your elite status will be recognized.

When booking hotels or flights, it’s also worth seeing if you can double, triple, or even quadruple dip!

For example, you can use the Chase Sapphire Preferred Card  and earn 2 Chase Ultimate Rewards points per $1 spent at Expedia on flights and hotels (because 3rd-party sites like Expedia code as travel).  You’d also earn Expedia Rewards for your bookings, and if you use a shopping portal like Ebates, you’ll earn cash back!  Plus you may even be able to use an Expedia discount code to save even more!

And if you book a flight, remember you’ll still earn airline miles for your trip!

So for an Expedia flight booking with the Chase Sapphire Preferred card, you’d potentially earn:

• 2X Chase Ultimate Rewards points
• Expedia Rewards
• Cash back or bonus points from a shopping portal
• Airline miles

That’s a nice quadruple dip!

Bottom Line

I ran an experiment to see if it was possible to earn Expedia Rewards points for a paid Chase Ultimate Rewards travel portal booking.  Currently, Chase Freedom and Chase Freedom Unlimited cardholders have access to the new portal powered by Expedia , but other cards like the Chase Sapphire Preferred are coming soon.

Unfortunately, it’s not possible.  So you may be better off checking out other online travel agencies and shopping portals to stack rewards and promotional discounts.

That said, the Chase Ultimate Rewards travel portal can offer fantastic value when you redeem Chase Ultimate Rewards points for flights and hotels.

Do you have other angles for double (or triple, or quadruple) dipping rewards on travel?  Please share in the comments!

Contributor

Avery is a contributor to Million Mile Secrets, he covers topics on points and miles, credit cards, airlines, hotels, and general travel.

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