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Chase Ultimate Rewards are some of the most powerful transferable points available. These points give you access to 14 airline and hotel transfer partners, so you can redeem rewards at maximum value. Luckily, there are lots of Chase credit cards that earn these points.
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. 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 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 family. There are two personal cards and one business card available to new applicants:
$795Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
$95Rates & 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
$795Rates & Fees
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
Each of these cards earns Ultimate Rewards that can be transferred to partners. Plus, they offer other perks exclusive to Chase's premium products.
Chase Sapphire Reserve®
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
The Sapphire Reserve is Chase's most premium credit card and carries a high annual fee. In return, it offers excellent travel-related and purchase protection perks that can more than outweigh the hefty $795 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 flexible $300 annual travel credit.
As part of its 2025 refresh, cardholders can also take advantage of up to $300 in annual dining credits, up to $300 in StubHub credits, up to $500 credit on stays with The Edit, and IHG One Rewards Platinum Elite status.
Pros:
- Several 8X earning categories when booking through the Chase Travel℠ portal
- 4X points per $1 spent on hotels and flights booked directly with travel providers
- 3X points per $1 spent on dining
- Access more than a dozen Chase transfer partners
- Get up to 2¢ per point in value through Points Boost redemptions. There's also the option to use Pay Yourself Back if the rotating categories and rates work for you
- Multiple statement credits and travel benefits
- Comprehensive travel protections
- No foreign transaction fees
Cons:
- Expensive annual fee of $795 per year
- Not the best for everyday spending
- $195 annual fee per authorized user
Check out our full review of the Sapphire Reserve for more information.
Chase Sapphire Preferred® Card
- Earn 75,000 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
- 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
- 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 is one of the strongest all-around cards for points and miles and a great option for beginners.
With a generous welcome offer, the ability to earn and transfer Ultimate Rewards points to travel partners, strong bonus categories, and a low annual fee, this card is a solid fit for most travelers. Plus, it includes a $50 annual Chase Travel hotel credit to help offset the $95 annual fee.
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
- 2X points per $1 spent on all other travel purchases
- Get up to 1.5 cents per point through the Chase Travel℠ portal (depending on your specific redemption with Points Boost)
- Earn a 10% anniversary points bonus (receive 1 point per $10 spent on the card that year)
Cons:
- $95 annual fee
- Bonus categories require booking through Chase Travel, which doesn’t always offer the best prices
Check out our full review of the Sapphire Preferred for more information.
Sapphire Reserve for Business℠
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
Before 2025, there wasn't a Sapphire business credit card. Luckily, that's no longer the case. Now, business owners can apply for the Sapphire Reserve for Business℠ to take advantage of similar benefits on the personal version, plus a few business-specific perks.
Cardholders receive the same $300 annual travel credit and up to $500 credit for The Edit bookings. However, you'll also receive a $200 Google Workspace credit, $100 curated gift card credit, and $400 ZipRecruiter credit. The 150,000 point welcome bonus is absolutely phenomenal, but it comes with a substantial spending requirement. In other words, it might not be an ideal option for freelancers or those with low business expenses.
Pros:
- Several 8X earning categories when shopping through the Chase Travel℠ portal
- 5X points per $1 spent on Lyft rides through September 30, 2027
- 4X points per $1 spent on hotels and flights booked directly with travel providers
- 3X points per $1 spent on social media and search engine advertising
- Access more than a dozen Chase transfer partners
- Several business statement credits
- No foreign transaction fees
- Employee cards are available at no additional cost
Cons:
- $795 annual fee
- High spending threshold to earn the welcome bonus
- Pay-in-full card, so you can't carry a balance
Check out our full review of the Sapphire Reserve Business for more information.
Related: Do Chase Ultimate Rewards Points Expire?
Chase Freedom Family of Cards
Chase’s Freedom cards are no-annual-fee cash-back products. While you'll earn Ultimate Rewards, these earnings are generally limited to cashback redemptions.
However, points can be combined with Ultimate Rewards from other Chase cards — like a Sapphire- or Ink-branded card with an annual fee. By doing so, you can then transfer these points to Chase transfer partners.
$0
- 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:
- Requires another Chase card to unlock transfers to travel partners
- 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®
- Limited Time Offer: Earn a $250 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 use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- 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
- 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 rewards-earning card. Like the Freedom Flex, it offers generous spending categories and no annual fee.
The Freedom Unlimited doesn’t offer rotating categories. Instead, it earns 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:
- Requires another Chase card to unlock transfers to travel partners
- 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 products 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.
The no-annual-fee Ink cards earn rewards with a fixed cash value unless paired with a premium card that enables transfers to Chase partners. Note that the Ink Business Premier® Credit Card earns cash back that cannot be converted into transferable Ultimate Rewards points.
$95Rates & 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
- 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 on dining and gas 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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
- 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 up to 1.75 cents per point through the Chase Travel℠ portal and with Pay Yourself Back
- No foreign transaction fees
Cons:
- $95 annual fee
- Bonus spending categories don't make sense for everyone
- Spending requirement for the welcome offer may be out of reach for some businesses
Check out our full review of the Ink Preferred for more information.
Chase Ink Business Cash® Credit Card
- Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas 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
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- 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 on dining and gas 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 for point transfers to Chase partners, but it provides incredible earning rates for spending 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 with 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:
- 5% category cap is relatively low
- Foreign transaction fee is 3% of each transaction in U.S. dollars
- Premium 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
The strategy with the Ink Unlimited is simple: Earn a solid 1.5% cash back on every eligible purchase without worrying about bonus categories.
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 range of purchase categories that don't earn bonus points with other cards.
Pros:
- 1.5% back on all purchases
- No annual fee
- Card does not count toward Chase's 5/24 rule but is subject to its restrictions
Cons:
- 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's 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 have 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.
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 spending, there are three more great ways to earn Ultimate Rewards:
- Card referrals: Chase allows select cardholders to earn bonus points by referring friends who apply and are approved using their referral link. To see available offers, visit the Refer-A-Friend page and enter the required information.
- Shopping portal: The Ultimate Rewards shopping portal allows you to earn more points when you shop with a qualifying merchant. Before you make an online purchase, 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 the fun. The other half is using 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 to transfer them 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
Chase Ultimate Rewards points are highly versatile and can deliver strong value across a range of redemptions. With multiple credit cards earning these points — each offering welcome bonuses and useful bonus categories — building a balance is relatively straightforward.
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), Sapphire Reserve for Business℠ (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), and Ink Business Unlimited® Credit Card (Rates & Fees)
