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Chase Ultimate Rewards are some of the most powerful transferable points out there. These highly versatile points offer various options to redeem for travel and allow you to unlock massive savings — and there are lots of Chase Ultimate Rewards cards for earning these points.
Better yet, most of these cards come with solid welcome offers and generous bonus spending categories. Just make sure you craft your Chase credit card strategy carefully to avoid losing out on reward-earning potential because of the bank's application rules.
Although Chase offers many products that earn Ultimate Rewards points, not every card lets you transfer those points to travel partners. The no-annual-fee Chase Sapphire® Card is a good example. However, if you hold a premium product (with an annual fee) and a card that does not allow transfers, you can bypass this limitation by combining your Chase points.
Here are all of the cards that earn Chase Ultimate Rewards points.
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Sapphire Cards That Earn Ultimate Rewards
Chase's Sapphire line is its premium travel rewards-earning credit card family. There are two Sapphire card products available to new cardholders: the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.
- 10X points on hotels and car rentals purchased through Chase Travel℠
- 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
- 5X points on airfare purchased through Chase Travel℠
- 3X points on all other travel
- 3X points on dining at restaurants
- 1X points on all other purchases
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
Both of these cards earn Ultimate Rewards that can be transferred to partners. Plus, both enjoy other perks exclusive to Chase's premium products.
Chase Sapphire Reserve®
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
- Rates & Fees
- 10X points on hotels and car rentals purchased through Chase Travel℠
- 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
- 5X points on airfare purchased through Chase Travel℠
- 3X points on all other travel
- 3X points on dining at restaurants
- 1X points on all other purchases
The Sapphire Reserve is Chase's most premium credit card product and comes with a premium price. Fortunately, the card also comes with excellent travel-related and purchase protection perks that can more than outweigh the hefty $550 annual fee.
For example, the card allows you to access Priority Pass lounges, Chase Sapphire Lounges, and Air Canada Maple Leaf lounges (when flying a Star Alliance airline). It also offers a $300 annual travel credit, which covers over half the cost of carrying the card.
Pros:
- Several 5X–10X earning categories when shopping through the Chase Travel℠ portal.
- 3X points per $1 spent on travel and dining.
- Access more than a dozen Chase transfer partners.
- Get 1.25 to 1.5 cents per point when you use Pay Yourself Back and 1.5 cents per point when you book through the Chase Travel℠ portal.
- No foreign transaction fees.
Cons:
- Expensive annual fee: $550.
- This card isn't the best for everyday spending.
- $75 annual fee per authorized user.
Check out our full review of the Sapphire Reserve for more information.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
- Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
The Sapphire Preferred card has earned its position among the strongest overall cards for points and miles and one of the best travel rewards cards for beginners.
With a solid welcome offer, the ability to earn and transfer Ultimate Rewards points to a lengthy list of travel partners, solid bonus earning categories, and a low annual fee, there are few people for whom this card doesn't make sense.
Pros:
- 5X points per $1 spent on all travel purchases made through the Chase Travel℠ portal.
- 3X points per $1 spent on dining (including takeout and delivery), select streaming services, and online grocery purchases.
- Get 1.25 cents per point in redemption value when you use Pay Yourself Back or book through the Chase Travel℠ portal.
- Earn a 10% anniversary points bonus (receive 1 point per $10 spent on the card that year).
Cons
- $95 annual fee.
- The best bonus spending categories are for purchases made through the Chase Travel portal, which does not always offer the best deals on travel.
Check out our full review of the Sapphire Preferred for more information.
Related: Do Chase Ultimate Rewards Points Expire?
Chase Freedom Family of Cards
Chase's line of Freedom cards are its no-annual-fee, cash-back products. But despite being marketed as cash-back cards, the cash back you earn can be combined with your Ultimate Rewards from other Chase cards. Thus, these are essentially Ultimate Rewards-earning cards, but you need a Chase Sapphire- or Ink-branded card with an annual fee to transfer to partners.
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
Chase Freedom Flex℠
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
The Freedom Flex card is a simple, no-frills option and a great way to maximize your Ultimate Rewards-earning potential on everyday purchases.
Pros:
- 5% back on up to $1,500 in combined purchases each quarter in rotating categories and 5% back in the Chase Travel portal.
-
3% back on drugstore and dining purchases.
- No annual fee.
Cons:
- You can't transfer Ultimate Rewards to transfer partners without another card to unlock the points.
- Quarterly 5% categories are capped at just $1,500 in spending each quarter.
- Foreign transaction fees of 3% of each transaction in U.S. dollars.
Check out our full review of the Freedom Flex for more information.
Chase Freedom Unlimited®
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
The Freedom Unlimited card is another straightforward and no-frills rewards-earning card. Like the Freedom Flex, it offers generous spending categories and no annual fee.
There are some distinct differences, though. Quarterly rotating categories are not a feature of the Freedom Unlimited. Instead, you'll earn an uncapped 1.5% on all other purchases cash back on all purchases.
Pros:
- 5% cash back on travel purchased through Chase.
- 3% back at restaurants and drugstores.
- 1.5% on all other purchases on other purchases.
- No annual fee.
Cons:
- You can't transfer Ultimate Rewards to transfer partners without another card to unlock the points.
- Foreign transaction fee is 3% of each transaction in U.S. dollars.
Check out our full review of the Freedom Unlimited for more information.
Chase Ink Business Family of Cards
The Chase Ink Business credit card lineup includes three cards that earn Ultimate Rewards points. Like Chase's personal cards, your options for redeeming those points depend on which card you hold. The $95-annual-fee Ink Business Preferred® Credit Card comes with the ability to transfer points directly to Chase's airline and hotel partners.
Conversely, the no-annual-fee Ink cards earn Ultimate Rewards with a fixed cash value unless you also hold a premium card that enables transfers to Chase partners. Note that Chase offers the Ink Business Premier® Credit Card (Rates & Fees), too, but this card earns cash back that can't be converted to transferable Ultimate Rewards points.
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn unlimited 1.5% cash back on every purchase made for your business
Chase Ink Business Preferred® Credit Card
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 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.
- Member FDIC
- Rates & Fees
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
The Ink Business Preferred® Credit Card is the flagship Ultimate Rewards-earning card in the Ink Business family. If you hold this card, you can turn your cash-back rewards from Freedom cards or no-annual-fee Ink business cards into transferable points.
Where the card truly shines is in its 3X bonus category. Businesses with significant expenses in these categories can load up on Ultimate Rewards using this card.
Pros:
- 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.
- Transfer points to Chase's travel partners.
- Elevated redemptions at 1.25 cents per point through the Chase Travel℠ portal and with Pay Yourself Back.
- No foreign transaction fees.
Cons:
- $95 annual fee.
- The bonus spending categories don't make sense for everyone.
- The spending requirement for the welcome offer may be too much for some businesses.
Check out our full review of the Ink Preferred for more information.
Chase Ink Business Cash® Credit Card
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates & Fees
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
The Ink Business Cash® Credit Card requires a premium card to enable point transfers to Chase partners, but it provides incredible earning rates for small businesses that spend money at office supply stores.
The strategy with this card is to maximize its 5% earning categories to accumulate rewards faster. Then, combine your Chase points with an Ultimate Rewards card that offers access to transfer partners for even higher-value redemptions.
Pros:
- 5% cash back on office supply store purchases and internet, cable, and phone services (on up to $25,000 combined spend per year).
- 2% back at gas stations and restaurants for the first $25,000 in combined spending per year.
- $0 annual fee.
Cons:
- The cap on the 5% cash back categories is relatively low.
- The foreign transaction fee is 3% of each transaction in U.S. dollars.
- You will need an Ultimate Rewards-earning card to unlock points transfers to partners.
Check out our full review of the Ink Cash for more information.
Chase Ink Business Unlimited® Credit Card
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- 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.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates & Fees
- Earn unlimited 1.5% cash back on every purchase made for your business
The strategy with Ink Unlimited is seductively simple: You never have to worry about whether you're using the right card because you earn a solid 1.5% cash back on every eligible purchase. Just stay focused on running your business and let the valuable rewards stack up over time.
The Ink Business Unlimited® Credit Card credit card earns unlimited 1.5% cash back on everyday purchases. This card is ideal for businesses with significant spending across a broad range of purchase categories that don't earn bonus points with other cards.
Pros:
- 1.5% back on all purchases.
- No annual fee.
- The card does not count towards Chase's 5/24 rule but is subject to its restrictions.
Cons:
- You must hold a premium card to transfer points to travel partners.
- No bonus categories for spending.
- Foreign transaction fee of 3% of each transaction in U.S. dollars
Check out our full review of the Ink Unlimited for more information.
“Closed to New Applicants” Cards That Earn Ultimate Rewards
There are a handful of cards that Chase no longer offers to new applicants but are still available for current cardholders to use. Here's what you need to know about these cards.
Chase Sapphire® Card
The Chase Sapphire® Card charges no annual fee and earns Ultimate Rewards points, but you can't transfer points to Chase Ultimate Rewards transfer partners. Also, the card has rather disappointing earning rates: 2X on dining and 1X on everything else. However, you'll get access to key Chase card perks like select travel protections and card offers.
Chase Ink Plus® Business Credit Card
If you are lucky enough to hold an Ink Plus Card, you are one of the few who has access to incredible Ultimate Rewards-earning potential. This card earns 5X Ultimate Rewards on office supplies, wireless services, TV, and internet purchases — up to 250,000 Ultimate Rewards annually.
As the card is considered a premium product, cardholders can transfer their Ultimate Rewards to partners and redeem them via the Chase travel portal at an elevated rate of 1.25 cents per point.
Chase Ink Bold Business Charge Card
The Ink Bold Business Charge Card was discontinued in 2014. It is almost identical to the Ink Plus Card in all its features and earnings. However, it is a charge card rather than a credit card, meaning there is no preset spending limit, but you must pay the card off in full each month.
Chase Freedom®
The original Chase Freedom® card was discontinued several years ago and replaced by the Chase Freedom Flex℠. It earns 5% cash back in rotating bonus categories, which you must activate each quarter. Earnings are capped at $1,500 in combined quarterly spending. All other purchases earn 1% back.
Other Ways To Earn Chase Ultimate Rewards
Aside from credit card welcome bonuses and daily spending, there are three more great ways to earn Ultimate Rewards:
- Card referrals: Chase allows select personal and business cardholders to earn bonus points from referring someone who applies for a card and is approved after using your referral link. To see which refer-a-friend options are available, head to the Refer-A-Friend page and enter the required information. Chase will let you know which offers are available to you.
- Shopping portal: The Ultimate Rewards shopping portal allows you to earn more points when you shop with a qualifying merchant. Before you make a purchase online, head over to the Chase shopping portal to see if the store is eligible for bonus Ultimate Rewards.
- Chase Travel: As you've seen throughout the article, some Ultimate Rewards-earning credit cards earn bonus points when you book flights, hotels, and rental cars through Chase Travel. That said, only do this if the price makes sense. Also note that you may have less flexibility when booking through this portal, and hotel elite status benefits do not usually apply.
Ways To Redeem Ultimate Rewards
Earning Ultimate Rewards is only half of the fun. The other half is redeeming them. You can redeem your Ultimate Rewards for gift cards, Apple products, and even by Paying Yourself Back.
However, the best way to use Chase points is by transferring points to Chase Ultimate Rewards transfer partners. You can find fantastic value by transferring points to one of Chase's many partners at a 1:1 ratio. Here's a list of all the transfer partners and the time it'll take your Ultimate Rewards to show up in the airline or hotel account:
Related: How To Transfer Chase Ultimate Rewards Points: A Step-By-Step Guide
Final Thoughts
Having an arsenal of Chase Ultimate Rewards points is never a bad idea. Thanks to their versatility and flexibility, their uses are many without sacrificing value. Thankfully, amassing these versatile points can be simple since several credit cards earn Ultimate Rewards — each with welcome offers and spending categories that help you stock up on points.
Which is your favorite card that earns Chase Ultimate Rewards?
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Ink Business Premier® Credit Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), and Ink Business Unlimited® Credit Card (Rates & Fees)
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