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HomeCredit CardsChase Travel Rewards: Guide to Chase Ultimate Rewards

Chase Travel Rewards: 2021 Guide to Chase Ultimate Rewards

Maximize your credit card earnings and travel redemptions by understanding the basics of how Chase's premier rewards program works!

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If you are excited by the idea of free and discounted travel, then you should know about Chase Ultimate Rewards®. Among credit card rewards programs, Chase Ultimate Rewards is considered one of the best.

Chase Ultimate Rewards points are a valuable currency you can use to purchase flights, hotels, cruises, vacation rentals, travel activities and more. Chase offers multiple credit cards that earn Chase points with every dollar you spend. They may even come with a sign-up bonus worth tens of thousands of points, which can be enough for multiple round-trip flights.

Here’s what you need to know to get started and maximize the value of your Chase rewards.

Chase Travel Rewards: Ultimate Rewards® Program

Pros

Cons

  • Easy to earn points: Earn points with every purchase and start out with a generous sign-up bonus.
  • Valuable points for travel rewards: Points are easily worth 25% more when booked through Ultimate Rewards.
  • Points are flexible with many redemption options: Book flights, hotels, rental cars, cruises, vacation rentals and more.
  • Credit card annual fees: the best Ultimate Rewards cards have annual fees starting at $95 per year and go up as high as $550.

Chase Ultimate Rewards is the points program for Chase rewards credit cards. Chase’s program is among the most flexible rewards programs around, especially for people who are excited about free and discount travel. Ultimate Rewards points are generally regarded as being some of the most valuable. In fact, because of their flexibility and transfer options, we regularly give these points high marks in our monthly point valuations.

What Are Chase Ultimate Rewards Points?

Chase Ultimate Rewards points are travel rewards points from Chase. They are best redeemed for travel either through the Ultimate Rewards website or transferring to travel partners.  Additionally, Chase Ultimate Rewards points never expire, as long as your account remains active and in good standing. When redeemed through the Chase website, you can use them for virtually any flight, hotel, rental car and other travel.

The Chase Ultimate Rewards portal is powered by Expedia, so you can book just about anything through their site directly with your Chase points. You can also transfer points to an airline or hotel partner at a 1:1 ratio. That means one Chase point is worth one United MileagePlus mile, one Marriott Bonvoy point or one point in any of the participating programs.

How Much Are Chase Ultimate Rewards Points Worth?

According to our points valuation guide, Ultimate Rewards points are worth 2.1 cents each. That valuation is in the top tier of rewards points.

However, the manner in which you use your points will influence their value. They can be worth less than a cent or more than five cents each, based on a range of factors including transfer partner award bookings. See our points valuation guide for more details on the worth of Chase points, as well as the value of rewards points from airlines, hotels and other credit card rewards programs.

Similar to earning points, when it comes time to redeem points, the value is dependent on the credit card you use. As an example, points earned with the Chase Sapphire Preferred Card can be redeemed in the Ultimate Rewards portal for 1.25 cents each, while points earned with the Chase Sapphire Reserve can be redeemed for 1.5 cents a piece.

However, premium award bookings on partner airlines tend to offer the biggest value per point. On some flights, you may be able to get over five cents per point.

The best values we’ve come across came from a last-minute flight and an international business class trip to Israel. At a minimum, you should only redeem points if you’ll get at least the rate offered by booking through the Chase website directly with your card.

Redeeming and Transferring Chase Ultimate Rewards

The best way to use Chase Ultimate Rewards points is for travel. You can redeem points for airfare, lodging, rental cars and other travel-related expenses through the Ultimate Rewards portal, powered by Expedia.

RELATED: Travel Deals to Book With Your Chase Ultimate Rewards

When you are ready to redeem your points, the first place to go is your Chase account. Click on the link to redeem or view your Ultimate Rewards account for details and redemptions. You can shop for travel and redeem directly on the Chase website. The value you’ll get for your points depends on the Chase credit card that you’re using to redeem them.

  • Chase’s cash-back cards carry a value of 1 cent per point. These cards include the Freedom-branded cards, as well as the Ink Business Cash and the Ink Business Unlimited.
  • Chase Sapphire Preferred and Ink Business Preferred carry a value of 1.25 cents per point.
  • Chase Sapphire Reserve carries a value of 1.5 cents per point.

Transferring Points to Chase Travel Partners

When you carry either of the Sapphire credit cards or the Ink Business Preferred, you can transfer your Ultimate Rewards to any of Chase’s travel partners. Chase is partnered with 10 airline rewards programs and three hotel rewards programs.

The very best value for points usually comes from moving your Chase points to a transfer partner. However, don’t move points until you have a plan to use the resulting miles or points. Keeping them in the bank at Chase is the best strategy until you’re ready to book.

You’ll use the Ultimate Rewards portal to transfer your points. In our experience, most transfers are instant if you log out and log back into the partner’s rewards website. From there, you can book your award flight or hotel reservation directly.

What airlines does Chase partner with? Full list of airlines:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue (Air France/KLM)
  • Iberia Plus
  • JetBlue
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic

Chase Ultimate Rewards gives you access to all of the three big airline alliances. For example, you could use British Airways points to book flights on American Airlines.

Full list of Chase hotel partners:

  • Hyatt
  • IHG
  • Marriott

Hotel partners include mega-brands Hyatt, IHG and Marriott. Marriott has the biggest list of properties of any hotel chain in the world. The Hyatt program has gained popularity since Marriott launched its new Bonvoy program, however. IHG also offers a large list of popular and luxury brands.

Other Redemption Options

Here’s a longer list that includes additional redemption options:

  • Travel: Book directly through Ultimate Rewards and get at least one cent per point. With the Sapphire Preferred, points are worth 1.25 cents each. With the Sapphire Reserve, they are worth 1.5 cents each.
  • Transfer partners: Moving points to airline and hotel partners including United, Southwest, Hyatt and Marriott can get you even bigger value. See below for a full list.
  • Experiences: Chase offers unique and exclusive experiences for sporting events, concerts, highly rated restaurants and more.
  • Gift cards: Gift cards give you a lower value per point than travel, usually around one cent per point. You can choose from over 200 brands.
  • Cash back: If you’re feeling uninspired or need the extra money, you can redeem for cash at a value of one cent per point.
  • Shopping: Retail partners Amazon and Apple allow you to redeem points for purchases directly. Again, this tends to offer a lower value than travel.

Chase Travel Rewards Frequently Asked Questions

Does Airbnb Count as Travel for Chase? 

If you book an Airbnb reservation with a Chase travel rewards card, the purchases are included in the travel category. Chase Sapphire Preferred cardholders earn 2x points per dollar spent on Airbnb stays. Sapphire Reserve cardholders get 3x points per dollar. With any other Chase card, Airbnb is coded as a travel category purchase. Chase Ink Business Preferred cards offer 3x points on travel.

If you have the Reserve version, you may use the $300 to reimburse yourself for spending with Airbnb automatically. If you’re on a budget weekend away, your Sapphire Reserve travel credit could cover the entire cost.

If you already have a Chase card, head over to the Chase Offers section of Chase.com or the Chase mobile app. You may see a bonus option for 5% back for purchases with Airbnb. That’s an addition to any rewards you would earn from the purchase. This offer has come and gone a couple of times in the past, so it’s worth looking at Chase Offers before booking.

Does Gas Count as Travel for Chase Sapphire?

When using a Chase travel rewards card, gas station purchases get their own category. Unfortunately, that means you won’t earn travel category rewards for purchases at the gas station.

If gas is one of your top purchasing categories, consider supplementing your Chase Ultimate Rewards card with either the Chase Freedom Unlimited or Chase Freedom Flex (or both). With Freedom Unlimited, you get the equivalent of 1.5x points per dollar on all purchases, including gas, and can merge the points into your Ultimate Rewards balance. With Freedom Flex, you get 5x rewards on rotating categories that change every three months. Gas is in the rotation regularly. Both cards have no annual fee.

If you spend a lot on gas for your small business, there are opportunities to earn a regular bonus on gas purchases with the Ink Business Cash, worth 2% back or 2x rewards points.

What Airlines Does Chase Partner With?

You can book flights using points through the Chase Ultimate Rewards portal on nearly any major airline. Depending on the card in your wallet, you’ll get one cent to 1.5 cents per point when redeeming for flights, hotels, rental cars and other travel through Chase.

However, you can get even more value in many cases when transferring points to an airline partner. When redeeming for premium rewards, such as international business class, you may find opportunities to get more than five cents per point. This is one of the best ways to use a Chase travel rewards card.

Here’s the full list of airline partners: Aer Lingus AerClub, British Airways Executive Club, Emirates Skywards, Flying Blue (Air France/KLM), Iberia Plus, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines and Virgin Atlantic.

What are Chase Travel Rewards?

Chase travel rewards are among the most valuable of any rewards program. Chase travel rewards are earned through the Chase Ultimate Rewards program. When you use a card in the Ultimate Rewards program, you can earn points with every purchase. Depending on the card and the purchase, you’ll typically earn between 1x and 5x points per dollar.

You can redeem Chase travel rewards points for cash back, but booking free and discounted travel is the best use of travel rewards points. Points are worth between one and 1.5 cents when booking travel directly through Chase. You can also transfer points to an airline or hotel partner for potentially higher values per point.

In addition to travel, you can redeem Chase travel rewards points for experiences including sporting events, concerts and exclusive chef events, gift cards and shopping partners. But for most people, the best way to redeem for the best value per point is travel.

You can earn Chase travel rewards with the popular Chase Sapphire Preferred and Chase Sapphire Reserve credit cards for individuals or the Chase Ink Business Preferred for small businesses. If you use any Chase cash back card, you can combine your cash back rewards with your Chase travel rewards. That gives you even more points to get to your favorite destinations.

Credit Cards That Earn Chase Ultimate Rewards

The following are the best credit cards to earn Chase points. Each has unique features and benefits worth reviewing before making a choice.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card is one of the gold standards for earning travel rewards. New cardmembers can earn a generous sign-up bonus and continuing value by allowing you to earn double points on all travel and dining expenses and 1X points per dollar spent on all other purchases. Read our full review of the Chase Sapphire Preferred Card.

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 60,000 Points
APR: Variable Rate
Rewards Rate: 1X-5X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers 5x points per dollar on travel booked through Chase Ultimate Rewards, 3x points on dining (including eligible takeout and delivery services), 3x points on select streaming services, 3x points on online groceries (excluding Target and Walmart), 2x points on all other travel spending and 1x point per dollar everywhere else. Chase broadly defines travel to include not just airfare, hotels and rental cars, but expenses like parking, tolls and public transit too. Also, the card earns 5x points per dollar spent on Lyft rides through March 2022.

Sign-Up Bonus: New applicants can earn 60,000 bonus points after using their card to spend $4,000 on purchases in the first three months of account opening. That’s $750 when redeeming points to book travel through Chase Ultimate Rewards.

Who Should Use This Credit Card? People who are beginning with travel rewards cards.

Why We Like It

Why We Like the Chase Sapphire Preferred® Card

The Chase Sapphire Preferred actually works like having over a dozen different rewards credit cards. That’s because this credit card allows you to transfer your rewards points into miles with 11 airlines and points with three hotel programs.

Although the Chase Sapphire Preferred might not be ideal for the most frequent travelers and highest spenders, it’s part of a family of Chase cards that has a built-in upgrade path. So when it comes time to take your travel rewards game to the next level, you won’t have to start from scratch with an entirely different credit card and rewards program.

The card has a $95 annual fee, but the $50 annual Ultimate Rewards Hotel Credit effectively reduces that fee to $45. Plus, the credit card allows you to continue earning points through bonus categories and a 10% anniversary points boost. But when it comes time to redeem your rewards for travel, this card really shines. You can take advantage of some really strong transfer partners such as United, Southwest, Singapore Airlines, Virgin Atlantic and Hyatt. Similarly, you can just book any reservation you want through the Chase Ultimate Rewards travel center.


Chase Sapphire Reserve® Card

Right off the bat, the Chase Sapphire Reserve features a $300 annual travel credit. That means the card’s hefty $550 annual fee is effectively just $250 per year for frequent travelers. You also get free access to more than 1,300 Priority Pass lounges and restaurant options around the world. On top of all of this value, each rewards point earned with the Reserve is worth 1.5 cents when booking through the Ultimate Rewards travel portal. Read our full review of the Chase Sapphire Reserve.

Offer Details

Secure application on issuer’s website.

Annual Fee: $550
Bonus: 50,000 Points
APR: Variable Rate
Rewards Rate: 1X-10X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $550

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers you 10x points per dollar spent on hotels, rental cars and Chase Dining experiences booked directly through the Chase Ultimate Rewards portal. Additionally, it awards 5x points on flights booked through Chase Ultimate Rewards and 3x points per dollar spent on all travel and dining purchases and 1x everywhere else.

Sign-Up Bonus: Earn 50,000 bonus points after using their card to spend $4,000 within three months of account opening.

Who Should Use This Credit Card? Frequent travelers who are serious about earning travel awards.

Why We Like It

Why We Like the Chase Sapphire Preferred® Card

Right off the bat, Chase Sapphire Reserve features a $300 annual credit for travel purchases. That means the annual fee is effectively just $250 per year for frequent travelers. You also get free access to more than 1,300 Priority Pass lounges and restaurant options around the world. Those lounges usually give you free food and drinks, cleaner bathrooms, fast internet and a comfortable place to sit outside of the ruckus of an airport terminal. Plus, the Sapphire Reserve will get you access to the upcoming Chase Sapphire Lounge network.

If you’re looking to elevate your travel experience, look no further than the Chase Sapphire Reserve. When you first get approved, you’ll earn 50,000 bonus points after you spend $4,000 in the first three months — that’s worth $750 in travel booked through Chase Ultimate Rewards and potentially more if you transfer your rewards to one of Chase’s airline or hotel partners.


Ink Business Preferred® Credit Card

If you’re a business owner who travels a lot for work or pleasure, the Ink Business Preferred is an ideal choice. Not only can new cardholders earn a generous sign-up bonus, the card offers continuing value by awarding 3x points per dollar on your first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services and on advertising purchases made with social media sites and search engines on each account’s anniversary year. Plus, 1x point per dollar spent on all other purchases. Our full review of the Ink Business Preferred shows you how to best use this card.

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 100,000 Points
APR: Variable APR
Rewards Rate: 1-3X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: You can earn 3x points on your first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines on each account’s anniversary year. Plus, 1x point per dollar spent on all other purchases.

Sign-Up Bonus: Here’s your chance to earn a whopping 100,000 bonus points after spending $15,000 on your card within three months of account opening. This bonus can be redeemed for $1,250 worth of travel through Chase Ultimate Rewards®.

Who Should Use This Credit Card? People who own internet-based businesses and spend heavily on advertising are the ones who can really earn the most rewards from this card.

Why We Like It

Why We Like the Ink Business Preferred℠ Credit Card

If you’re a business owner who travels a lot for work or pleasure, this card is an ideal choice. It offers a whopping 100,000 bonus points after you spend $15,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,250. But you could potentially get more through one of the bank’s transfer partners. The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott.

Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cell phone protection policy that will cover up to $600 per claim.


Card-to-Card Points Transfers

Points earned on different Chase credit cards can be pooled into a single travel credit card account and redeemed together. These card-to-card point transfers allow you to move points earned from a Freedom card or an Ink card into one of the Sapphire cards or the Ink Business Preferred Credit Card to redeem for outsized value.

For example, if you have the Chase Freedom Unlimited, you cannot redeem points earned with that card for travel at the higher rewards rate. But if you also have the Chase Sapphire Preferred Card or Chase Sapphire Reserve, you can transfer your Chase Freedom Flex points to either of those cards and redeem for the higher value (or transfer pooled points to once of Chase’s travel partners for even more value).

Pairing the Freedom Unlimited or Freedom Flex with either the Sapphire Preferred or Sapphire Reserve is a common and effective points-earning strategy. Both the Sapphire Preferred and Reserve earn accelerated rewards for travel spending, while the Freedom cards offer accelerated points earning in other spending categories including gas, groceries and online spending.

If you’re eligible for a business credit card, Chase’s suite of Ink Business cards are arguably among the most popular business credit cards because of the potential for points earning and flexibility in rewards redemptions. Pairing an Ink Business card alongside a Sapphire card can supercharge your Chase points earning and maximize rewards for your everyday spending.

Chase Freedom Flex® Card

The Chase Freedom Flex card is an excellent cash-back credit card for people who are looking to maximize rewards. The card offers 5% cash back on the first $1,500 spent each quarter in categories that change every three months (you need to activate the offer to get it). These categories include a lot of everyday expenses like groceries, streaming services, gas and more. It also awards 5% back on travel booked through Chase, 3% back at gas stations and drugstores and 1% unlimited cash back on everything else. Read our full review of the Freedom Flex for details about rewards earning, benefits and fees.

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on purchases for the first 15 months.

APR: Variable APR depending on credit worthiness. See terms for details.

Rewards Rate: Earn 5% cash back on up to $1,500 spent each quarter in rotating categories (when you activate), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on everything else.

Sign-Up Bonus: Receive a $200 bonus after you spend $500 in the first three months. Additionally, receive 5% cash back on grocery store purchases (not including Target and Walmart) on up to $12,000 during the first year.

Who Should Use This Credit Card? People who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Why We Like It

Why We Like the Chase Freedom Flex® Card

We love that the Chase Freedom Flex card expands on an already lucrative offering from Chase. The original Chase Freedom card was already a solid choice for cash-back enthusiasts, and this one raises the bar.

The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile credit card rewards platform available. You’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel credit cards, you can transfer points from your Chase Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

For a cash-back credit card, the sign-up bonus is already impressive, but add the grocery store bonus and you’ll be hard-pressed to find a better offer with no annual fee attached.


Chase Freedom Unlimited® Card

The Chase Freedom Unlimited card is a great all-around card with no annual fee. In addition to a generous cash sign-up bonus for new cardmembers, it rewards 5% cash back on travel booked through Chase, 3% back on drugstore and eligible dining-related purchases and 1.5% cash back on everything else. Read our full review of the Freedom Unlimited to learn more about its rewards rate, purchase benefits and fees.

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases (including takeout and eligible delivery services) and 1.5% back on everything else.

Sign-Up Bonus: New cardholders can receive $200 in cash after spending $500 within the first three months of account opening. Additionally, earn 5% cash back on grocery store purchases up to $12,000 spent during the first year. Note that big box retailers including Target and Walmart do not qualify for this bonus category.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? It’s pretty easy to reach the spending requirements, assuming that you can spend $500 in purchases within the first three billing cycles. Add the fact that there’s a 0% introductory APR for 15 months, bonus rewards on grocery store purchases during the first year and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.


Ink Business Cash® Credit Card

The Ink Business Cash Card is a great option for entrepreneurs of all types. Earn an impressive 5% cash back on select business purchases. These include the first $25,000 you spend each account anniversary year at office supply stores and on phone, cable and internet services. The card also offers 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations. You’ll earn 1% cash back on virtually everything else you buy. Our full review of the Ink Business Cash details all of this card’s benefits and features.

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $750
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: You earn an amazing 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. That can add up to 125,000 points per account year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Sign-Up Bonus: This card offers you $750 in cash back after you spend $7,500 on purchases within three months of account opening. The $750 bonus comes in the form of 75,000 Ultimate Rewards points, which can be redeemed for cash, gift cards or travel.

Who Should Use This Credit Card? Small business owners and sole proprietors who want flexibility in their credit card rewards

Why We Like It

Why We Like the Ink Business Cash℠ Credit Card
The Ink Business Cash is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

This an incredibly valuable card for anyone who owns a small business and makes frequent purchases at office supply stores, which can include furniture, electronics, school supplies, gift cards and printing services. The Ink Business Cash is also a great card to use when paying for your internet service, phone bill or television service. It might not seem like much, but earning 5x rewards on these bills every month will add up to serious rewards very quickly. You earn one point per dollar spent elsewhere.


Ink Business Unlimited® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $750
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers 1.5 cents (as 1.5 Ultimate Rewards® points) per dollar spent on all purchases, with no limits.

Sign-Up Bonus: This card offers you $750 in cash back in the form of 75,000 Ultimate Rewards® points after you spend $7,500 on new purchases within three months of account opening.

Who Should Use This Credit Card? This is a valuable card for those who aren’t interested in bonus categories, or for those who are, but want a separate card just for purchases that don’t qualify for a bonus.

Why We Like It

Why We Like the Ink Business Unlimited℠ Credit Card

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature. If you want cash back that you can drive back into your business or use for personal expenses, this card could be a great option.

The card has no annual fee but offers an incredible $750 cash bonus after you spend $7,500 in the first three months. You’ll also earn 1.5% cash back on every purchase you make.

Additionally, if you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

Here’s a card that you can use to earn a strong rate of return on all of your business purchases. This business credit card has no annual fee, and it offers new cardholders an incredible sign-up bonus. You’ll also earn 1.5% cash back on all purchases made with the card. It also has travel benefits including an auto rental collision damage waiver, travel and emergency assistance and roadside dispatch. Read our full review of the Ink Business Unlimited for more details.


Other Ways to Earn Chase Travel Rewards

You can earn Chase Ultimate Rewards points with one of the credit cards listed in the next section. When using your card, here are the main ways to earn and accumulate points:

  • Regular purchases: Chase cards typically give a bonus on categories such as travel and restaurants while offering one point per dollar on general purchases.
  • Bonus rewards: If you meet minimum spending requirements within the published timeframe, usually three months, you can earn a sign-up bonus worth up to 60,000 points. Sometimes higher bonuses are available.
  • Shopping bonuses: If you shop through the Chase Ultimate Rewards website, you can earn additional rewards with a list of supported retailers.
  • Converting cash back: If you pair an Ultimate Rewards card with a Chase cash-back rewards card, you can move cash back into Ultimate Rewards at a rate of one cent to one point.

Bottom Line

Chase Ultimate Rewards is a popular credit card rewards program for a reason. It offers multiple ways to earn rewards points and then provides even more avenues to redeem those points for outsized value. While you can use your Ultimate Rewards for cash back, shopping and gift cards, redeeming your points — either through the Ultimate Rewards portal or transferring to a travel partner — will always be the best way to use your rewards.

However, if you’re not convinced that it’s the right program for you, consider other credit card rewards programs from issuers like Citi, American Express and Capital One. Additionally, airlines like Southwest, Delta and United also offer valuable rewards programs and credit cards.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Eric Rosenberg
Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or EricRosenberg.com.