booking travel on chase ultimate rewards

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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 SM 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 SM portal with Ultimate Rewards® points.

How to use the Chase Travel SM 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

What to know about chase's airport lounges, 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 75,000 points by signing up for the Chase Sapphire Preferred and spending $4,000 within the first three months of opening your account. That's worth over $900 when redeemed through Chase Travel SM
• 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 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth $1,125 when redeemed through Chase Travel SM .

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 SM 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 over $900 towards travel and the Chase Sapphire Reserve's is worth $1,125 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

How to get started with the Chase TravelSM portal

To reach the Chase Travel SM 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 SM 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.

Chase's travel partner programs

Currently, you can transfer your points to the following airline and hotel programs:

• Aer Lingus AerClub
• Air Canada Aeroplan
• Air France-KLM Flying Blue
• British Airways Executive Club
• Emirates Skywards
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United Airlines MileagePlus
• Virgin Atlantic Flying Club
• IHG One Rewards
• Marriott Bonvoy
• World of Hyatt

How to book flights through the Chase TravelSM portal

There are a few pros and cons to consider when booking flights through the Chase Travel SM 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 SM 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 SM 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 SM 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 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.

Remember that if you're booking with money rather than points, you can earn extra rewards on your booking. In our example, if you paid $370 for a flight, you'd earn 1,850 Ultimate Rewards points with your Chase Sapphire Preferred or Reserve card. Either card earns 5X points on flights purchases through Chase Travel SM .

Booking travel with Southwest

In 2023, Chase also added the ability to use Ultimate Rewards points to book Southwest flights directly through the issuer's travel portal. To do so, simply search for the flight using the process described above. Your search results will only show Wanna Get Away and Wanna Get Away Plus fares. However, when you proceed with the booking, you'll also have the option to select an Anytime or Business Select fare.

How to book hotels through the Chase TravelSM 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 SM 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 SM 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. 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 SM 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.

If you have the Chase Sapphire Reserve card, you also get access to The Edit by Chase Travel SM — a premium travel booking platform offering complimentary benefits at featured properties. These perks include a room upgrade (if available), $100 property credit and daily breakfast for two, to name just a few.

It's a pretty similar process if you want to book rental cars, tours and other travel activities through the Chase Travel SM 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 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.

When it comes to Chase, your travel benefits don't end with booking. If you have the Chase Sapphire Reserve card, you also enroll and get access to two airport lounge networks: Priority Pass and Chase's Sapphire Lounge by The Club.

The Sapphire Lounge network officially consists of four lounges:

• Boston (BOS)
• Hong Kong (HKG)
• New York City (LGA)
• New York City (JFK)

Chase also manages and operates a lounge at Washington Dulles International Airport (IAD) on behalf of Etihad Airways. This lounge isn't branded as a full-fledged Sapphire Lounge, but it features a similar design and follows similar access rules.

Chase is planning to open four more Sapphire lounges in the future: in Las Vegas, Philadephia, Phoenix and San Diego.

Separately, Chase Sapphire Reserve cardholders also receive access to Sapphire Terrace at the Austin-Bergstrom airport in Austin, Texas.

Priority Pass, on the other hand, is a vast network with over 1,500 airport lounges around the world.

Booking through the Chase Travel SM 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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Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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Credit Cards

A traveler’s guide to the Chase Travel portal

Tamara Aydinyan

Julie Sherrier

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

Robin Saks Frankel

Updated 5:23 p.m. UTC Nov. 28, 2023

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For qualifying Chase cardholders, the easy-to-use Chase Travel℠ portal offers a flexible and convenient way to book hotels, flights, rental cars, cruises and more using points or a combination of points and cash.

What is the Chase travel portal?

A favorite among frequent travelers for its versatility and redemption options, Chase Ultimate Rewards® (UR) is one of the major transferable credit card rewards points programs and UR points are Chase’s flexible rewards currency.

The Chase travel portal works much like an online travel agency (OTA) similar to Orbitz or Priceline where you can book hotels, flights, cars, activities and cruises. But unlike a traditional OTA, with the Chase travel portal you can book travel with your Chase card’s rewards points, cash or a combination of the two.

Who can use the portal?

A handful of exclusively Chase-issued credit cards grant cardholders access to the Chase travel portal, but how you can utilize the portal and the value you can receive is card-specific.

The following credit cards are the only cards that earn Chase Ultimate Rewards points outright:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• 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.

But if you or a household member own at least one of the cards above, the rewards on the following cash-back credit cards can be combined with any of the cards listed above and used as Chase Ultimate Rewards points:

• 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

And while the points earned cannot be combined with any of the UR-earning cards, the following pay-in-full card does have access to the Chase travel portal:

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

Is the portal worth using?

It’s often said that having the right travel credit card is important, but knowing how to redeem your miles and points can be as paramount as which card you use to earn them. However, not everybody has the patience or interest to learn the intricacies of different rewards programs to maximize the value of every mile and point.

So while transferring UR points to individual loyalty programs is still one of the best ways to get the most cents per point at a 1:1 basis, for those who value simplicity, the Chase travel portal offers a straightforward way to book travel, earn and redeem points and still receive a great deal. Best of all, you won’t be limited by any loyalty program or award space availability.

When transferring points, the minimum you can transfer is 1,000 points to the following UR travel partners with either the Chase Sapphire Reserve, Chase Sapphire Preferred or the Ink Business Preferred cards:

Regardless of how you’re using the Chase travel portal, it’s worth considering the pros and cons.

• The standard rate for Ultimate Rewards points when redeemed for travel through the Chase travel portal is 1 UR point = 1 cent, but can be worth significantly more with the UR-earning cards. The Chase Sapphire Reserve gets a redemption value of 1.5 cents per point through the Chase Travel℠ portal while the Chase Sapphire Preferred and Chase Ink Business Preferred cards each get 1.25 cents per point.
• Since you’re not limited to any loyalty programs, you can use your UR points to book boutique hotels that you’d otherwise only be able to book with cash.
• Flights booked through the Chase travel portal can earn frequent flyer miles and can be used toward advancing your elite status.
• You can earn a substantial amount of bonus points when booking through the Chase portal depending on the card you’re using.
• You can use a combination of points plus cash to purchase your reservation.
• Hotels booked through the Chase travel portal do not earn hotel points or credits toward elite status. Any elite status perks you’d receive if booking directly with the hotel will likely be forgone.
• If you experience any issues while traveling, you’d have to go through Chase to resolve the issue. For example, if there is a problem with your hotel reservation, you’ll have to contact a Chase representative for help resolving it since you didn’t book directly with the hotel. Dealing with a middleman during travel emergencies is less than ideal and something to be wary of when considering booking through the portal.
• Southwest Airlines flights do not show up in the UR travel portal, but can be reserved by calling the Chase Travel Center at 855-233-9462.

How to book travel through the Chase travel portal

You can access the Chase travel portal by logging into your Chase account and clicking on the Rewards balance on the right or by going to the Chase Ultimate Rewards website .

Once you’re logged in, if you have more than one UR-earning Chase card, you’ll be asked to select one to proceed with — a crucial step as each card has different earning and redemption rates.

After clicking on your selection, you will be taken to the Ultimate Rewards dashboard. If you click on the Earn / Use dropdown button, all of your Ultimate Rewards options will be presented. Click on Travel to proceed to the portal.

Once in the travel portal, you’ll  have the option of selecting the type of booking you’d like to make.

From there, your user experience will be similar to any other OTA where you can search your travel options.

Because the Chase travel portal doesn’t limit you to transfer partners or loyalty programs, you’ll be able to search almost all major airlines. One notable exception is Southwest Airlines, which is still bookable using UR points but will require a phone call to the Chase Travel Center to reserve your flight.

One difference compared to a traditional OTA is the option to buy in cash, points or a combination of both.

If you’re short on points or if you’d like to offset the cash price with some points, you’re given the option to choose how to pay.

After that, you’ll be prompted to enter your traveler information and you’re all booked. However, you will have to log into the specific airline with your reservation code in order to reserve seats.

Booking hotels through the Chase travel portal is a similar process. And with the portal’s easy-to-use search function, you can find boutique hotels that would otherwise be unbookable with loyalty-program-based points.

However, if you have elite status with a hotel chain, you’ll want to book directly rather than going through the Chase portal in order to access status benefits and have that hotel stay count toward achieving a higher status. Or, you can transfer UR points to one of three UR hotel loyalty program transfer partners, including Marriott Bonvoy, World of Hyatt or IHG One Rewards.

Rental cars can also be booked through the portal in a similar fashion. And as in many cases, being aware of which card you’re booking your car rental with can make a big difference in case of an accident as both the Chase Sapphire Reserve and Chase Sapphire Preferred offer primary car insurance , an uncommon, money-saving benefit, which saves you from having to file a claim with your private car insurance carrier first.

A quick guide to the Chase Ultimate Rewards program

As some of the most sought-after flexible points, Chase Ultimate Rewards can be accrued through several avenues. The most lucrative way is by applying for Chase credit cards and earning their respective welcome bonuses — but be wary of Chase’s 5/24 rule , which blocks applicants from opening a Chase credit card if they’ve opened five or more cards from any issuer in the past 24 months.

If you have two Chase cards that earn UR points, you can then transfer the rewards earned to the card that carries the most redemption value. For example, you can open the Chase Sapphire Preferred card and then the Chase Freedom Flex and move any points earned on the Flex card to the Preferred card, which has a boosted value of 25% more when redeemed through the portal.

Looking to add more than one new credit card to your wallet? Here’s why you shouldn’t apply for multiple cards at the same time.

Outside of regular credit card spending, you can also grow your Ultimate Rewards pile by using the Chase shopping portal. By adding just one extra step to your online shopping, you can earn bonus points for your future travels.

While transferring points to partners is one option to maximize the value of your Chase Ultimate Rewards points, there are numerous other ways to use the Chase Ultimate Rewards program to your benefit. Whether it’s redeeming your points as a statement credit for eligible, rotating categories throughout the year through the “Pay Yourself Back” feature, booking special dining experiences with your points or using the portal to book your next vacation, the Chase Ultimate Rewards program’s flexibility makes it a great option regardless of your lifestyle.

Frequently asked questions (FAQs)

Chase Ultimate Rewards (UR) are Chase Bank’s flexible rewards currency that can be earned on several of its credit cards.

The Chase travel portal can be accessed through the Chase app or the Chase website. After logging in, you can select the option to book travel.

You can use your Chase travel credit, like the up to $50 annual hotel statement credit offered by the Chase Sapphire Preferred, by booking your travel through the Chase travel portal. The statement credit will automatically be applied to your account within one to two billing cycles after your purchase posts to your account — up to an annual maximum accumulation of $50.

You can redeem your Chase Ultimate Rewards directly through the travel portal with almost all major airlines with the exception of Southwest Airlines, which can be booked over the phone. With Southwest, select the flight you want at Southwest.com and then call Chase Travel Center at 855-233-9462 with the flight details.

The value you receive from the Chase travel portal will depend on the credit card you’re using. For example, if you have either the Chase Sapphire Reserve or the Chase Sapphire Preferred, your points are worth either 50% or 25% more, respectively, when redeemed for travel.

*The information for the Chase Freedom Flex℠, Ink Business Preferred® Credit Card and Ink Business Premier℠ 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.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

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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The Complete Guide To Using the Chase Travel Portal — Maximize Your Options

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Flexibility

You can earn frequent flyer miles, cards that earn chase ultimate rewards points, transfer your points between credit cards for maximum value, earning chase points by booking travel, how to access the chase travel portal, how to book a flight through chase travel, the luxury hotel and resort collection, how to book a rental car through the chase travel portal, how to book activities through chase travel, how to book a cruise through the portal, car rentals, earn bonus ultimate rewards points, pay with points, apple purchases, experiences, pay yourself back, transfer to travel partners, final thoughts.

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Chase Ultimate Rewards is one of the major transferrable points programs and a favorite among many travelers. Points are easy to earn and can be transferred to many different hotel and airline partners. But you can also book travel directly through Chase’s travel portal using Ultimate Rewards points.

Booking travel through the Chase Travel portal is simple and can be a great way to use your points.

We’ll show you everything you need to know about how to redeem your points, including the benefits, how to know what your points are worth, and how to book airlines, hotels, and more through the Chase Travel portal.

Why Book Travel Through the Chase Travel Portal?

Generally, you can get maximum value from your Chase Ultimate Rewards points by transferring them to the Chase airline and hotel partners , so why are we talking about using points through a travel portal? While it’s true that the only way to get the highest value redemptions is by transferring, there is still a lot of value to be had by booking directly through the Chase Travel portal.

Flexibility is not often available with points bookings. Unlike an award booking, booking through Chase Travel is like using any other online travel agency (OTA) . There are no blackout dates or limited inventory award seats. If a flight or hotel is available, you can book it with points through the Chase travel portal.

One of the major bummers of booking flights with frequent flyer miles is that you don’t earn miles on award bookings. You can end up doing a lot of travel without earning miles. However, any booking you make with your Chase Ultimate Rewards points through the Chase Travel portal will earn frequent flyer miles and accrue status points. Unfortunately, hotel and car rental bookings still won’t earn points.

We have talked to so many people over the years that love the idea of collecting points and miles but don’t want to deal with the hassle. While many don’t mind putting a little work into getting an awesome redemption, others are just looking for a simple way to book travel and hopefully save some money in the process.

That’s where the Chase Travel portal comes in. With this method of redeeming points, there is no transferring, comparing points values, blackout dates, limited award availability, or multiple travel accounts. You only have to deal with 1 type of point and 1 travel portal but can still retain many of the benefits of collecting points and miles in the first place.

Bottom Line: You can book flights, hotels, rental cars, activities, and cruises through the Chase Travel portal.

If you like the idea of using the Chase Travel portal, you’ll need a credit card that earns Chase Ultimate Rewards points:

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)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 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 SM . For example, 75,000 points are worth $937.50 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
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None
• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Chase Ultimate Rewards

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
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel SM .
• $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 SM  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 SM . For example, 75,000 points are worth $1125 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 TM  Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: $0

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
• 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.
• APR: 21.24%-26.24% Variable
• Best Business Credit Cards

There are also some great cash-back cards from Chase that can be used to book travel through Chase Travel. The points earned on these cards can be converted into cash-back or alternatively, they can be used in the Chase travel portal.

• Chase Freedom Flex℠
• Chase Freedom Unlimited ®
• Chase Freedom ® card (no longer open to new applicants)
• Ink Business Cash ® Credit Card
• Ink Business Plus ® Credit Card (no longer open to new applicants)
• Ink Business Unlimited ® Credit Card
• Ink Business Premier ® Credit Card

What Are Chase Ultimate Rewards Points Worth?

It’s easy to earn lots of Chase Ultimate Rewards points , but do you know how much they are worth ? If you’re transferring your Chase Ultimate Rewards points to a travel partner, their value will go up or down depending on the type of redemption.

However, when you are booking your travel directly through Chase’s travel portal, each Chase Ultimate Rewards point has a set value that won’t change . The credit card you have will determine the value of your Chase Ultimate Rewards points.

If you have multiple Chase credit cards, it makes sense to transfer your points to the card with the most valuable redemption rate. The only exception to this is the Ink Business Premier card because points earned on this card can’t be transferred to any other card.

1. To transfer your points between 2 cards, log on to the Chase dashboard and select Combine Points .

2. Then you will be able to select the card you want to transfer points from and the card you want to receive the points. After you choose, click Next.

3. You can transfer all of your points or just what you need. Click Review to continue.

4. Double-check the details and click on the Submit button to complete the transfer.

Bottom Line: Your credit card will determine the value of your Chase Ultimate Rewards points. Your points are worth between 1 to 1.5 cents each depending on which credit card you’re redeeming points through. 

What if you’d prefer to pay for your travel with a Chase credit card to earn Ultimate Rewards points? The number of points you’ll earn through the Chase travel portal is dependent on which credit card you have and what type of travel you’re purchasing.

You can log into your account in 2 ways.

First, you can go directly to the Ultimate Rewards website to log in or you can log in through your Chase account .

If you’re in your Chase account, click on one of your Ultimate Rewards credit cards and then click on Redeem next to the card’s Ultimate Rewards balance.

Then choose the card you want to use.

From here you can access Chase Travel by clicking on Travel  in the top search box or you can switch to another card’s account by clicking on the 3-line icon in the upper left-hand corner.

1. In the Travel section of your Ultimate Rewards account, click on Flights to start your search for a flight. As with any other OTA, you begin your search by inputting basic information such as departure and arrival city, travel dates, and the number of passengers.

2. Next, you will be able to narrow your search results . At the left-hand side of the page, you can filter your results by things like airline or flight times. Then you can sort your results by price, trip duration, or times using the drop-down box at the top of the search results.

3. For each flight option, you’ll be able to see the price in dollars and in points on the right-hand side of the results box.

4. Once you’ve found the flight you want, click the blue Select button. Next, you can choose your return flight using the same process as you did for selecting the outbound flight. Click the blue Select button once you have made your choice.

5. From here you can confirm your flight details and select a fare upgrade if you wish. Then, you’ll be able to choose how to pay for your flight . You can pay for the entire purchase with points or a Chase credit card, or you can split your payment between points and a Chase credit card.

6. Finally, input your passenger information next. Don’t forget to add a frequent flyer number, a Known Traveler Number, or a Redress number if you have them.

Hot Tip: When purchasing travel through the Chase travel portal, you can split your payment between Chase Ultimate Rewards points and a Chase credit card.

How To Book a Hotel Through Chase Travel

1. To book a hotel through the Chase Travel portal , you’ll need to start by clicking on the Hotels tab in the main search box. Then, input your destination, check-in and check-out dates, and the number of travelers. Next, click on the blue Search button.

2. Your search results will look like other sites that you may be familiar with. You’ll see filtering options to the left and sorting options above your search results.

3. Each search result will show the price in both dollars and Chase Ultimate Rewards points. These prices include taxes and fees with the exception of resort fees.

4. Once you select your hotel, click on Add to Itinerary . You can choose to pay for all or part of your hotel cost using Ultimate Rewards points. Click Begin Checkout to input your reservation details and finalize your booking.

Hot Tip: When booking a hotel through the Chase Travel portal, you won’t be eligible to earn points in the hotel’s loyalty program or take advantage of any elite status you may have.

The Luxury Hotel and Resort Collection (LHRC) is exclusively for Chase Sapphire Reserve cardholders. From the Ultimate Rewards travel home page, just click on The Luxury Hotel & Resort Collection tab.

Once you are on the LHRC homepage, type in your destination and click Search to view available properties. Each listing will display the property’s unique cardmember benefits. Click on the listing for more information and to continue the booking process.

When booked through the Chase Travel portal, these properties offer the following benefits:

• Daily breakfast for 2
• Special amenity (varies by property)
• Room upgrades (based on availability)
• Early check-in and late checkout (based on availability)

The Luxury Hotel and Resort Collection properties are reservation-only bookings. You’ll make your reservations online and payment doesn’t happen until you check out from the hotel. These bookings will not take Chase Ultimate Rewards points as payment.

Bottom Line: Luxury Hotel and Resort Collection properties are only available to Chase Sapphire Reserve cardmembers. These properties can’t be booked with points.

1. To rent a car through the Chase Travel portal, start by clicking on the Cars tab in the main search box. Then, input your pick-up location, drop-off location, dates, times, and age of the driver. Click on the blue Search box to continue.

2. You can then narrow your search with the filtering options on the left-hand side of the page.

3. For each car option, you will be able to see the car details, rental company, and price in both dollars and Chase Ultimate Rewards points. Once you have selected the car you want to rent, click on Add to Itinerary .

4. You can pay for the entire purchase with points or a Chase credit card or split your payment in any amount. Double-check all of the details before completing your purchase.

Did you know you can also book activities through Chase Travel?

1. Click the Activities tab on the Ultimate Rewards travel homepage to get started. Then, input your destination and travel dates and click the Search button to continue.

2. You can narrow your search by selecting 1 or more categories at the left-hand side of the page. Categories can include things like:

• Classes & workshops
• Cruises & sailing
• Food & drink
• Outdoor activities
• Seasonal & special occasions
• Tickets & passes
• Tours & sightseeing
• Transfers & ground transport
• Unique experiences

3. Each activity will show the price in both dollars and points to the right side of the screen. Click on Show Details and Pricing for more information and to book the activity.

6. Double-check all of the details on the final page before completing your purchase. Click the box confirming you understand the travel disclosures, then click Complete Checkout to finish your purchase.

Bottom Line: You can book lots of activities through the Chase Travel portal, including airport transfers!

If you’re a fan of cruises, you’ll be pleased to know you can book them through your Chase Travel portal. To get started, click on the Cruises tab on the Ultimate Rewards travel homepage.

This will bring up a list of available cruises, but there’s also a search box at the top of the screen, so you can input a specific destination or cruise line.

Each listing will display the cruise line, ship, ports of call, sailing dates, and baseline pricing for an interior or oceanview cabin. Unfortunately, if you want any more specific information or if you want to book, you will need to call 855-234-2542 .

You’ll notice that only cash prices are listed for cruises, however, they can be booked using your Chase Ultimate Rewards points, too.

Hot Tip: You can book a cruise through Chase Travel but you’ll have to call to make your reservation as they can’t be booked online.

How Do the Prices Compare to Other Sites?

Are you getting a good deal by booking through Chase? Let’s look at how the prices available through the Chase Travel portal stack up to other OTAs and search engines including Hotwire , Kayak , and Expedia .

We did some flight searches and found there’s no clear-cut pattern on prices between the Chase portal to other websites.

Example #1: Round-trip flight between Philadelphia (PHL) and San Francisco (SFO) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between Alaska Airlines and Delta Air Lines for $526.20. This worked out to be the cheapest price we found, and Priceline had the same low price. Expedia and Hotwire both charge booking fees, making the price a little higher. Each airline’s own website couldn’t split the itinerary between different airlines, so those ended up being much more expensive.

If you are in doubt or would like to check prices yourself, Kayak is a great place to start. Kayak will show you prices for a flight on all of the OTAs as well as the airline’s website. It’s a great one-stop shop to compare flight prices.

Example #2: Round-trip flight between New York City (JFK) and Paris, France (CDG) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between American Airlines and British Airways for $689.78. This wasn’t the overall best price we found, though. That award goes to Expedia and Priceline.

Hot Tip: You will earn frequent flyer miles when you book your flight through the Chase Travel portal.

Example #1: Here’s how prices looked for a week-long stay at the JW Marriott Cancun Resort & Spa in Mexico for 2 people including all taxes and fees. The $291.55 resort fee can’t be paid with points.

In this example, the best cash rate by far was through Marriott. However, if you wanted to pay with points, booking with Chase Ultimate Rewards points through the travel portal would be your best bet.

Keep in mind that Marriott doesn’t have an award chart, so different time periods can have different point costs. A 7-night stay at this hotel can dip down to 240,000 points for a 7-night stay. If you’re going to pay for your hotel stay in points, it’s always smart to calculate how many points it would cost to book through Chase versus transferring points . This information can help you make the best and least expensive choice.

Hot Tip: You won’t earn hotel loyalty points when booking a hotel through Chase and any elite status you have may not be recognized.

Example #2: Let’s look at an example of a hotel that doesn’t have a loyalty program. We priced out a 2-night stay at Almond Tree Inn Hotel in Key West, FL for 2 people. The highest prices were direct via the hotel with all other websites surveyed being cheaper.

Here’s how the prices stacked up:

Chase’s low price matched the other online travel websites and was actually lower than the hotel’s own website, so it would be a great option in this case. It also affords the opportunity to use points for a hotel that doesn’t have its own loyalty program.

In many cases, car rental prices found through the Chase Travel portal were similar to prices found on the rental agency’s own website.

The main difference in booking through Chase vs. directly through a car rental agency is that the car rental agency often has the ability to book the car without paying up front. With the Chase portal, you will be paying at the time of booking and there may be change or cancellation fees if you need to modify your reservation.

In both of these examples, Chase Travel didn’t offer the lowest price, however, that won’t always necessarily be the case. Of course, the advantage of booking through Chase is the ability to use your Chase Ultimate Rewards points. It’s always a good idea to price out your car rental on a few different websites before booking to ensure you’re getting the best price.

Chase actually offered the lowest prices on activities for both examples:

Other Ways To Use the Chase Travel Portal

The Chase Travel portal also helps you earn bonus points.  With the Shop through Chase feature, you can earn extra Ultimate Rewards points through your online shopping.

Just click Earn Bonus Points in the top search bar to access the shopping portal. Click on a featured store or search for a specific one. Then simply click through the portal to your website of choice to make your purchase. Your bonus points will be added to your Chase Ultimate Rewards points total within 3 to 5 days in most cases.

Did you know you can use your Chase Ultimate Rewards points to make purchases at Amazon and PayPal? Click on Pay with Points in the top search bar, then select either Amazon or PayPal to enroll and shop.

Unfortunately, the redemption value you get when shopping through Amazon or PayPal is pretty bad — only 0.8 cents per point. While it’s great to have this as an option, we don’t recommend using points to shop at Amazon or PayPal as your main use of Chase Ultimate Rewards points.

Bottom Line: The value of using your Chase Ultimate Rewards points to shop through Amazon or PayPal isn’t great: you will only get 0.8 cents per point!

By clicking on Apple in the main search box in your Ultimate Rewards account, you can use your Chase points to make purchases. Normally, you’ll get 1 cent per point in value when using your points for Apple purchases, but there are occasional bonuses offered to get a better redemption rate.

You can also redeem your Ultimate Rewards points for cash-back. To do this, simply select Cash-back from the main search bar at the top of the screen. You will then be able to see choose how many points you’d like to redeem for cash-back at a value of 1 cent per point .

You can choose to have your cash direct deposited into a checking or savings account or as a statement credit. The deposit or statement credit will be posted within 3 days.

Bottom Line: Your Chase Ultimate Rewards points are worth 1 cent each when redeemed as cash-back. We do not recommend this as a primary redemption option because you can get more value via the Chase Travel portal, and a lot more when transferring to airline and hotel partners.

This is a really cool section of the Chase Travel portal. When you click on Experiences in the main search bar, you’ll see a list of exclusive events, preferred seating, and other offers for select Chase cardmembers.

Experiences can be purchased with a credit card or with points. You will get 1 cent per point in value when redeeming points for experiences. Some experiences are only available to cardholders of specific cards so be sure to check all of your cards if you have more than 1 to make sure you don’t miss anything.

If you prefer gift cards, you can purchase them through the Chase Travel portal using points. Just click Gift Cards in the main search bar to get started. From here, you will be able to scroll through all of the available gift cards. You’ll get 1 cent per point in value, with occasional sales offering better redemption rates.

Hot Tip: Points redeemed for gift cards have a 1-cent per point value. However, you might notice some cards offer discounts, so there is the opportunity to get a bit more value!

Another way to use your Ultimate Rewards points is through the Pay Yourself Back feature. This allows you to redeem your points for a statement credit for purchases in select categories. The current categories include groceries, dining, select charities, credit card annual fee, internet, cable, phone, and shipping and the redemption value varies by card.

Transferring points to travel partners is the best way to get the most value out of your points . By transferring, you can potentially get 2, 3, or more cents per point value.

Chase Airline Transfer Partners

Chase Hotel Transfer Partners

To transfer your Chase Ultimate Rewards points to any of the above airline and hotel partners, log on to your account and click on Transfer To Travel Partners in the top search box. Choose your airline or hotel and then select Transfer Points . You’ll need to fill out your frequent flyer information or hotel loyalty membership number to complete the transfer.

Bottom Line: You can currently transfer your Chase Ultimate Rewards points to 14 different hotel and airline partners.

There are many ways to use your Chase Ultimate Rewards points. While transferring points to one of Chase’s airline and hotel travel partners can get you maximum value, there are a lot of benefits for booking travel directly through the Chase Travel portal .

In addition to hotels and flights, you can book car rentals, activities, and cruises. Or, you can use your points for cash back, shopping, gift cards, or Chase exclusive experiences. With so many ways to use your Chase Ultimate Rewards points, your next trip is only a few clicks away!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Ink Business Plus ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently Asked Questions

Do chase ultimate rewards points expire.

No. As long as you keep your Chase credit card open, your points will not expire.

Can I transfer my Chase points to someone else?

Yes. You can transfer your points to another member of your household who also has a Chase Ultimate Rewards account.

What are Chase Ultimate Rewards points worth?

When redeeming points through the Chase travel portal, the credit card you hold will determine your points’ value.

When redeeming for travel, your points have the following value:

• 1 cent : Freedom card, Freedom Flex card, Freedom Unlimited card, Ink Business Cash card, Ink Business Premier card, Ink Business Unlimited card
• 1.25 cents : Chase Sapphire Preferred card or Ink Business Preferred card
• 1.5 cents : Chase Sapphire Reserve card

When using your points to shop through Amazon or Chase Pay, they are worth 0.8 cents per point.

When redeeming your points for cash back, gift cards, or experiences they are worth 1 cent per point.

What airline partners can I transfer my Chase Ultimate Rewards points to?

Chase airline partners include Air Canada, Air France-KLM, British Airways, Iberia, Aer Lingus, Emirates, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines, and Virgin Atlantic.

What hotel partners can I transfer my Chase Ultimate Rewards Points to?

You can transfer your Chase Ultimate Rewards points to the following hotels at a 1:1 ratio: IHG, Marriott, and Hyatt.

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About Katie Seemann

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

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UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

Chase's Sapphire Reserve and Preferred, 2 of the best travel credit cards of all time, are offering intro bonuses worth up to $1,125

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

• The Chase Sapphire Preferred and Reserve are two of the best travel rewards credit cards ever.
• Right now, new applicants can earn 75,000 Ultimate Rewards points — up to 50% more than usual.
• 75,000 points are worth up to $1,125 in Chase travel or significantly more through travel partners.

It's time to plan your summer travels — and a new credit card sign-up bonus could earn you more than $1,100 in travel rewards. 

For a limited time, new applicants of the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® can earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. These points are worth $900 or $1,125 toward travel purchased through Chase, depending on which card you get.

Chase's Sapphire credit cards are specifically designed with travelers and foodies in mind. These sleek metal credit cards come in two flavors: the everyday favorite Chase Sapphire Preferred® Card and premium-tier Chase Sapphire Reserve®.

Chase Sapphire Preferred and Reserve: the main differences

Both cards earn Chase Ultimate Rewards and come with generous travel insurance benefits, no foreign transaction fees, bonus points on dining and travel expenses, and travel credits each year. You can redeem Ultimate Rewards points through Chase Travel℠ , or transfer them to more than a dozen airline and hotel chains for even better deals. 

The Chase Sapphire Preferred® Card is Business Insider's top choice for the  best travel rewards credit card for value, and the Chase Sapphire Reserve® earns an honorable mention. Chase Ultimate Rewards points are worth 1.8 cents apiece according to Business Insider's valuations, and can be worth significantly more if transferred to Chase's airline and hotel transfer partners . 

The Chase Sapphire Reserve® costs $550 each year but comes with many benefits including a $300 travel credit, airport lounge access, monthly DoorDash and Instacart credits, and the best credit card travel insurance you'll find.

Chase Sapphire Reserve® cardholders can redeem Ultimate Rewards points for 1.5 cents apiece through Chase's travel booking portal, so the 75,000-point welcome offer is worth $1,125.

The Chase Sapphire Preferred® Card has a much lower annual fee of $95, with lesser benefits to match. Cardholders get a $50 annual credit toward hotels booked through Chase Travel℠, quarterly DoorDash and Instacart credits, and generous travel insurance benefits.

Chase Sapphire Preferred® Card cardholders can redeem Ultimate Rewards points for 1.25 cents apiece through Chase's travel booking portal, so the 75,000-point welcome offer is worth $900.

Which Reserve card is better for you?

At the end of the day, you can't go wrong with either card. You'll get the most return for your investment by signing up for the Chase Sapphire Preferred® Card, especially during this limited-time promotion, because the sign-up bonus is worth more than 9x what you'll pay in annual fees. But the Chase Sapphire Reserve® offers top-tier travel benefits that can be worth thousands of dollars per year for frequent travelers. 

You can't sign up for both cards for double the bonus, however, since cardholders can only have one Chase Sapphire card at a time. You also can't earn the welcome bonus if you've earned a bonus from either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® within the last 48 months.

Not sure which product is best for you? Read our comparison of the Chase Sapphire Preferred vs. Reserve , or read our Chase Sapphire Preferred review and Chase Sapphire Reserve review to learn more about each card. And if you aren't eligible for another Chase Sapphire credit card, read our guide to the best Chase credit cards to find your next best option. 

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 transfer Chase Ultimate Rewards points to United

Chase Ultimate Rewards points are one of my favorite transferable rewards currencies due to the sheer number of high-value airline and hotel loyalty programs these points let me access. I often transfer Chase points to Hyatt , but you can also transfer Chase Ultimate Rewards points to many other partners, including United MileagePlus .

Here's how to transfer Chase points to United Airlines and other things you should know before transferring your Ultimate Rewards points.

How to transfer Chase points to United

Before learning how to transfer Chase points to United, make sure you have a MileagePlus account. If you don't, head to United's website , click "Join now" and create an account.

To transfer Chase points to United, head to the Ultimate Rewards website , log into your account and select your Ultimate Rewards earning card (if you have multiple). You should land on a dashboard page for the card account you selected. For example, here's the dashboard for my Chase Sapphire Preferred® Card .

Click on the "Travel" dropdown at the top of your dashboard, and then select "Transfer points to partners."

You'll go to a page showing all the Chase transfer partners. Scroll down, and then click on the United row. Doing so will take you to an information page about transferring Chase points to United.

If you want to continue, click "Transfer points" to reach a page where you can enter your United MileagePlus information (if you haven't already enrolled your account with Chase Ultimate Rewards). In the example below, I'd transfer Chase points to my United MileagePlus account.

If you have an eligible authorized user on your account, you could transfer to them. For example, I've already enrolled United MileagePlus accounts for my husband and myself for my Ink Business Preferred® Credit Card 's Ultimate Rewards account, so I could transfer Chase points to either of our United accounts.

On the next page, enter the amount of Chase points you'd like to transfer to United. You must transfer at least 1,000 points and can only transfer in increments of 1,000 points.

Click "Next" to reach a summary page before clicking "Submit" to confirm your transfer request.

The transfer from Chase to United will usually occur instantaneously but could take up to seven business days.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Chase to United transfer ratio

The Chase to United transfer ratio is 1:1. You must transfer Chase points in increments of 1,000 points, which means you can convert 1,000 Chase points into 1,000 United miles. You might occasionally find a transfer bonus that boosts the Chase to United transfer ratio, but these are rare.

Based on TPG's valuations , Chase points are worth 2.05 cents each, and United miles are worth 1.32 cents each. You'll lose theoretical value when you transfer Chase points since transferable points are inherently more valuable . But, as we'll discuss in the next section, this doesn't mean you shouldn't transfer Chase points to United.

Related: Best Chase credit cards

Should I transfer Chase points to United?

As you read this guide, you might ask yourself whether you should transfer Chase points to United. This question has a lot of complexity, so I can't tell you whether you should transfer Chase points to United without understanding your specific situation.

However, United MileagePlus isn't the most valuable Chase transfer partner based on our valuations. For example, while our valuations peg the value of United miles at 1.32 cents each, we value some other Chase transfer partners higher; this includes World of Hyatt at 1.7 cents each, as well as British Airways Avios , Air Canada Aeroplan and Virgin Atlantic Flying Club at 1.5 cents each.

So, you may want to reserve your Chase Ultimate Rewards points for transfers to these higher-value partners — especially if you haven't accrued a massive stash of Chase points. But, you can get much higher value from United miles on some redemptions. Check out our guide on redeeming United miles to get started, then read our guide about maximizing United MileagePlus redemptions for more tips on getting the most value from your United miles.

Even if you're only getting 1.32 cents per point when transferring Chase points to United, this is higher than the 1.25 cents per point you can get when redeeming points for travel through the Chase Travel℠ portal with the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card . So, if you have a lot of Chase points or don't want to book awards with higher-value transfer partners, transferring Chase points to United might be right for you.

However, if you have the Chase Sapphire Reserve® , you can get 1.5 cents per point when redeeming through the Chase Travel portal. Because of this, Chase Sapphire Reserve cardholders should ensure they'll get at least 1.5 cents per mile on their United award before transferring Chase points to United.

Related: Flights, credit cards and more: How to earn miles with the United MileagePlus program

How to earn Chase points

If you want to transfer Chase points to United, you may also be curious about how you can earn more Chase points. Here's a list of some major cards that participate in the Chase Ultimate Rewards program and are currently accepting applications:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Chase Freedom Flex℠
• Chase Freedom Unlimited®
• Ink Business Preferred® Credit Card
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

Some of these cards earn cash-back rewards instead of points, but you can combine rewards from all your Ultimate Rewards cards into a single account. If the account you use to collect all your rewards is your Sapphire Reserve, Sapphire Preferred or Ink Business Preferred account, you'll have a stash of points you can transfer to Chase transfer partners.

Related: How (and why) to combine your Chase Ultimate Rewards points into a single account

Bottom line

Now you know how to transfer Chase points to United.

It can be daunting the first time you go to transfer Chase points. However, once you decide to transfer Chase points to United and find an award flight you want to book, follow the steps above to transfer the number of points you need to book your award flight.

Remember, you must transfer in increments of 1,000 points, so you may need to transfer slightly more points than you need to book your flight.

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

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How to Redeem Ultimate Rewards® Points from Chase

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Table of Contents

Steps to redeem Chase Ultimate Rewards® for travel

Other ways to redeem ultimate rewards® points, final thoughts on redeeming chase rewards.

You’ve banked the big welcome bonus and now you’re ready to get maximum value from your Ultimate Rewards® balance. If this is your first foray into the Chase Ultimate Rewards® program , you may wonder, “How do I even redeem points?”

We’ve got you covered with a step-by-step tutorial on how to redeem Ultimate Rewards® points from Chase.

It shouldn't take more than a few minutes to master redeeming Chase points. Shopping for a wise redemption may be the most time consuming part of the process!

Here's what to do:

Log in to your Chase account.

On the right sidebar, look for the Ultimate Rewards® box and click “Redeem rewards."

If you have multiple Chase cards, you’ll be prompted to choose which card's points you'd like to redeem.

Once you're redirected to your Ultimate Rewards® dashboard, you can choose how you want to redeem your points.

» Learn more: Chase Ultimate Rewards®: How to earn and use them

Gift cards and miscellaneous purchases

In addition to travel redemptions, Chase allows you to use Ultimate Rewards® points for gift cards, purchases at Amazon and Apple, cash-back credits, experiences (e.g., concerts and events) and gift cards.

All of these other options allow you to redeem points for around 1 cent each, except for Amazon, which offers around 0.8 cent per point. That’s not as good of a deal as using points for travel bookings or transferring them to partner airlines and hotels. This is especially true for gift cards, which you can often buy at substantial discounts through retails. In general, we wouldn’t advise redeeming your Ultimate Rewards® for gift cards when they can be so much for valuable for travel.

If you find yourself wanting to redeem your points for cash-back rewards or purchases with Amazon or Apple, you may want to consider switching to a 2% cash-back card like the Citi Double Cash® Card . This card earns 2% on all purchases, 1% when you buy something and 1% when you pay it off. If you like to redeem points this way, you’ll get a better value with this card than you would with a similar Ultimate Rewards® redemption.

Transfers to airline or hotel partners

If you want to maximize the value of your Chase Ultimate Rewards®, redeem them via a transfer to a specific airline or hotel partner. This maximized value can be particularly realized when redeeming points for high-end hotel stays or business and first class award flights. Because of this out-sized value, many deem transfers as the best way to redeem Chase points.

Chase has more than a dozen travel partners to choose from. If this is how you want to redeem your points, here’s how to transfer Ultimate Rewards® to airline and hotel partners:

Click on “Transfer to travel partners” in Chase's travel portal dashboard.

You’ll see one last confirmation page before the transaction is complete. Once points have been transferred, this cannot be undone. So only transfer Ultimate Rewards® points when you’re 100% sure of your intent to use them with that partner.

Pro tip: Cross reference prices on Chase before transferring

With frequent flyer programs implementing dynamic pricing and hotel loyalty programs like Marriott introducing peak/off-peak pricing , redeeming points can get expensive. Sometimes, you can get better deals using your Ultimate Rewards® points for direct travel bookings.

If you have a Chase Sapphire Preferred® Card , your points will be worth 2.2 cents each. Chase Sapphire Reserve® cardholders get 2.2 cents of value out of each point.

» Learn more: Chase 5/24 rule explained

It’s always worth checking the Chase's travel portal before transferring points to a loyalty program.

Here’s how you can use your Ultimate Rewards® points for direct travel bookings:

In the example above, I searched for a round-trip flight between San Francisco and Los Angeles in October. The flight prices out at a reasonable $106.60, or 8,528 points.

The same ticket requires 13,000 miles and $11.20 when booked through United MileagePlus . Clearly, checking redemption rates on direct travel bookings can be worth the effort.

The great thing about booking travel through Chase's portal is that your bookings are eligible to earn points through the respective airline programs. Just be sure to enter your rewards number during the booking process.

» Learn more: Chase Sapphire Reserve review: A first-class premium travel card

Many travel hackers have at least one credit card from Chase. Redeem points for travel, gift cards or other miscellaneous online shopping, or opt to transfer your points to an airline or hotel partner to maximize value. These redemptions can be made quickly from your Chase account.

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.

Chase Sapphire Reserve vs. Ink Business Preferred: Which Ultimate Rewards-earning card is better for you?

Credit cards earning Chase Ultimate Rewards points are among the most valuable on the market, thanks to their broad bonus categories and flexible redemption options. Three Chase credit cards earn fully transferable Ultimate Rewards points on their own: the Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® and the Ink Business Preferred® Credit Card .

The Sapphire Preferred and Sapphire Reserve are personal credit cards, with the Reserve being the premium option . It offers additional bonus categories, perks like lounge access and up to $300 in annual travel credits . The Ink Business Preferred, on the other hand, is a small-business credit card and the only Chase business card that earns fully transferable Ultimate Rewards points.

Today, let's compare the Chase Sapphire Reserve and the Ink Business Preferred to see which card might better fit your wallet and most common purchases.

Chase Sapphire Reserve and vs. Ink Business Preferred comparison

Both cards have much to offer, and which is better for you depends on your business spending habits. Before deciding, consider the factors below.

Chase Sapphire Reserve vs. Ink Business Preferred welcome bonus

The Chase Sapphire Reserve is currently offering 75,000 bonus points after you spend $4,000 in the first three months from account opening. TPG values Ultimate Rewards points at 2.05 cents each, making this offer worth a valuable $1,538.

The Ink Business Preferred , meanwhile, is currently offering an impressive 100,000 bonus points after you spend $8,000 in the first three months from account opening. According to TPG's valuation , this bonus is worth $2,050. This spending requirement is twice that of the Sapphire Reserve, but many small businesses have enough expenses to easily meet it.

As always, be mindful of each card's eligibility restrictions before applying. Both are Chase cards, so they're subject to the 5/24 rule . Additionally, you won't be eligible for the Sapphire Reserve's bonus if you already have a Sapphire card or have received a new cardmember bonus for any Sapphire card in the past 48 months.

Winner: Ink Business Preferred. Even with its higher spending requirement, the bonus is worth $400 more than that on the Reserve.

Related: The best time to apply for these popular travel cards according to offer history

Chase Sapphire Reserve vs. Ink Business Preferred benefits

The Chase Sapphire Reserve has a premium $550 annual fee but comes with a stellar set of premium benefits:

• Up to $300 in annual travel credits
• Priority Pass and Sapphire Lounge by The Club airport lounge access
• Reimbursement for your application fee to Global Entry, TSA PreCheck or Nexus — available once every four years
• Complimentary 2-year Lyft Pink All Access membership (activate by Dec. 31)
• Complimentary minimum of one-year DashPass membership (through Dec. 31) and $5 in DoorDash credits each month
• Complimentary one-year Instacart+ membership and up to $15 in Instacart statement credits each month (through July 31)
• Extensive travel protections , including rental car, lost or delayed baggage, emergency evacuation and trip delay/cancellation insurance
• Extended warranty, purchase and return protection

The most valuable benefits of the Chase Sapphire Reserve are the $300 travel credit, airport lounge access and impressive travel protections. If you travel regularly for business, these perks will likely tip the scales in favor of the Sapphire Reserve.

The Ink Business Preferred has a much lower $95 annual fee but comes with a more limited set of benefits:

• Employee cards at no additional cost
• Cellphone protection
• Travel protections, including lost or delayed baggage protection and trip cancellation/interruption insurance
• Extended warranty and purchase protection

While the Ink Business Preferred's list of benefits is shorter than that of the Sapphire Reserve, you'll still get valuable protections that include cellphone protection for you and every authorized user on the account, which you can add for no additional cost. If you don't travel enough to benefit from the travel perks on the Sapphire Reserve, you may find that these benefits are sufficient for your needs.

Winner: Sapphire Reserve. The travel benefits and statement credits far outshine the benefits of the Ink Business Preferred.

Related: Is the Chase Sapphire Reserve worth the annual fee?

Earning points with the Chase Sapphire Reserve vs. Ink Business Preferred

With the Chase Sapphire Reserve , you'll earn 10 points per dollar on hotel and car rentals purchased through Chase Travel, dining purchases through Chase Ultimate Rewards, Lyft rides (through March 31, 2025) and Peloton equipment and accessory purchases over $150 (through March 31, 2025 with a max earn of 50,000 total points).

You'll also earn 5 points per dollar on flights purchased through Chase Travel, 3 points per dollar on eligible travel (excluding the $300 travel credit) and dining purchases worldwide, as well as 1 point per dollar on all other purchases.

The Ink Business Preferred , meanwhile, earns 3 points per dollar on the first $150,000 of combined purchases each cardmember year on travel, shipping, internet, cable and phone services and advertising with social media and search engines. It earns 1 point per dollar on these purchases past the $150,000 threshold and on all other purchases.

Winner: Tie. The better earning structure will depend entirely on your spending habits. If you spend a significant amount on travel and dining, the Sapphire Reserve is your winner. Conversely, the Ink Business Preferred has a better earning structure if you spend most of your budget on purchases in its bonus categories.

Related: What purchases qualify for 3 points per dollar with the Ink Business Preferred?

Redeeming points with the Chase Sapphire Reserve vs. Ink Business Preferred

Both the Chase Sapphire Reserve and the Ink Business Preferred earn transferable Chase Ultimate Rewards points, and your most valuable redemption option is to transfer your points from either card to one of Chase's 14 hotel and airline partners .

You also have the option to redeem your points by booking travel through the Chase travel portal, where you'll get a value of 1.25 cents per point with the Ink Business Preferred or 1.5 cents per point with the Sapphire Reserve. You can also use Chase's Pay Yourself Back option and redeem your points for a statement credit for eligible purchases at the same rate.

Additionally, you can redeem your points with either card for gift cards or a statement credit at a rate of one cent per point. This is your least valuable redemption option but nice to have if you need flexibility.

Winner: Chase Sapphire Reserve. Its higher redemption value through the Chase travel portal and Pay Yourself Back gives it the edge.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Transferring points with the Chase Sapphire Reserve vs. Ink Business Preferred

Both the Chase Sapphire Reserve and the Ink Business Preferred allow you to transfer your points to any of Chase's 14 airline and hotel partners. You can get outsized value from partners like Virgin Atlantic Flying Club , Iberia Plus , United MileagePlus and World of Hyatt .

TPG director of content Summer Hull loves transferring her Chase Ultimate Rewards points to World of Hyatt and using them to book Hyatt resorts and high-end city hotels. Personally, I love stretching my points by transferring them to Southwest Rapid Rewards and booking cheap flights during Southwest's seasonal sales.

Whether you primarily travel domestically or abroad, you'll find valuable redemption opportunities with Chase's transfer partners.

Winner: Tie. Both cards allow you to transfer your points to Chase's travel partners.

Related: The complete guide to Chase Ultimate Rewards transfer partners

Should I get the Chase Sapphire Reserve or Ink Business Preferred?

If your business involves a lot of travel and dining, you'll want to go with the Chase Sapphire Reserve for its travel credit and benefits as well as its bonus earning on travel and dining purchases. If you don't travel much, however, and spend more of your money on business expenses, the Ink Business Preferred is the better option.

Related: Chase Sapphire Preferred vs. Ink Business Preferred

Bottom line

Both the Chase Sapphire Reserve and Ink Business Preferred are excellent cards. Which is a better fit for you comes down to whether you are looking for a premium travel card to help you elevate your travel experiences or a versatile business credit card that will reward you in categories where many businesses spend money regularly. Either way, you can't go wrong earning super-valuable Chase Ultimate Rewards on your business spending.

For more information, please see our full reviews of the Chase Sapphire Reserve and Ink Business Preferred .

Apply here: Chase Sapphire Reserve Apply here: Ink Business Preferred Credit Card