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If points and miles were made into a Lord of the Rings analogy, Chase Ultimate Rewards would be the one currency to rule them all—minus the whole trying to take over the world thing.
Ultimate Rewards (UR) points are a powerful transferrable points currency and nearly unrivaled—especially when compared to fixed point systems. This is because Ultimate Rewards are versatile. They offer a variety of options to redeem for travel and allow you to unlock massive savings. For example, you can use your Ultimate Rewards to book through the Ultimate Rewards travel portal or transfer your rewards to various travel partners.
Another reason Ultimate Rewards are so great is because it's relatively easy to load up on lots of them. Chase offers several cards which can earn Ultimate Rewards, and most of them come with solid welcome offers in addition to generous bonus spending categories. Just make sure you strategize so you don't lose out because of the bank's application rules, such as the Chase 5/24 rule.
Here are all of the cards that earn Chase Ultimate Rewards points.
Page Contents
Personal Cards That Earn Ultimate Rewards
The Sapphire Family of Cards
Chase's Sapphire line is its premium travel rewards-earning credit card family. There are three Sapphire card products: the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card, and the Chase Sapphire Card®. All of these cards earn Ultimate Rewards. More importantly, the first two give you the ability to transfer your Ultimate Rewards to partners and enjoy other perks that are exclusive to Chase's premium products.
It's important to note that although Chase offers many products that earn Ultimate Rewards points, not all of them allow you to transfer those points to travel partners. The no-fee Sapphire Card® is a good example of a card that can earn Ultimate Rewards but can't transfer them 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 by combining your Chase points.
Chase Sapphire Reserve®
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
- 10X points on Lyft rides through March 2025
- 10X points on hotels and car rentals purchased through Chase
- 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
- 5X points on airfare purchased through Chase
- 3X points on all other travel
- 3X points on dining at restaurants
- 1X points on all other purchases
The Sapphire Reserve is Chase's premium product. Consequently, it comes with a premium price. Fortunately, the card also comes with premium perks that can more than outweigh the hefty annual fee.
Pros:
- Several 5X-10X earning categories when shopping through the Ultimate Rewards portal.
- 3 points per $1 spent on travel and dining.
- Ultimate Rewards transfer to more than a dozen of travel partner loyalty programs.
- Get 1.5 cents per point when you use Pay Yourself Back or book through the Chase Ultimate Rewards travel portal.
Cons:
- Huge annual fee: $550.
- Not great for everyday spending.
For a more detailed review, check out our full review of the Chase Sapphire Reserve®.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
- 5X points on Lyft rides through March 2025
- 5X points on travel purchased through Chase
- 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 is generally regarded as one of the best overall cards in all of points and miles-dom, and that's with good reason. With a solid welcome offer, the ability to earn and transfer Ultimate Rewards points to 14 travel partners, solid bonus earning categories, and a low annual fee, there are few people this card does not make sense for.
Pros:
- 5 points per $1 spent on all travel purchases made through the Chase Ultimate Rewards portal.
- 3 points per $1 spent on dining (including takeout and delivery), select streaming services, and best of all, online grocery purchases.
- Get 1.25 cents per point in redemption value when you use Pay Yourself Back or book through the Chase Ultimate Rewards travel portal.
- 10% anniversary points bonus (receive 1 point per $10 spent on the card that year).
Cons
- $95 annual fee.
- The best bonus spend categories are for purchases made through the Chase portal, which does not always offer the best deals on travel.
For a more detailed review, check out our full review of the Chase Sapphire Preferred® Card.
Chase Sapphire Card®
Not open to new applicants, there is a Chase Sapphire Card® with no annual fee. It's only available as a product change / downgrade from other cards.
Pros:
- No annual fee.
- Earn Ultimate Rewards.
- Can participate in Chase perks, like travel protections and card offers.
Cons
- Can't transfer rewards to travel partners.
- Low earning rate: 2X on dining, 1X on everything else.
The Freedom Family of Cards
Chase's line of Freedom cards are its no-annual-fee cash back cards. Although the cards are slated as cash back cards, the cash back you earn can be combined with your Ultimate Rewards from other Chase cards. These are basically Ultimate Rewards-earning cards, but you need a card with an annual fee to unlock the full use of the points.
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.
- 3% back on dining purchases—including dining in, takeout, and eligible delivery services.
- 3% back on drugstore purchases.
- 1% back on all other purchases.
- No annual fee.
Cons:
- Cannot 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.
For a more detailed review, check out our full review of the Chase Freedom Flex℠.
Chase Freedom Unlimited®
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- Earn 5% on travel purchased through Chase
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
The Freedom Unlimited card is Chase's most straightforward, no-frills, rewards-earning card. Similar to the Freedom Flex, this card offers generous spending categories with 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% cash back on all purchases.
Pros:
- 5% cash back on travel purchased through Chase.
- 3% back at restaurants.
- 3% back at drugstores.
- 1.5% on all other purchases.
Cons:
- Cannot transfer Ultimate Rewards to transfer partners without another card to unlock the points.
For a more detailed review, check out our full review of the .
Business Cards That Earn Ultimate Rewards
Similar to Chase's personal card options, its business cards are also divided as to how they earn and unlock Ultimate Rewards. On one side, you have cards that earn Ultimate Rewards points that can be transferred to partners. On the other side, you have cash back cards that require a premium product in order to combine points, allowing transfers to partners.
Ink Business Preferred® Credit Card
- 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 Ultimate Rewards®
- 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 Ultimate Rewards®
- 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
- 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 card is Chase's Ultimate Rewards-earning business card. If you hold this card, you can combine your cash back rewards from cards like the Freedom family of cards or no-fee business cards, enabling transfers to travel partners. Where the card really shines is in its 3X bonus category. Business owners with large expenses in these categories can really load up on Ultimate Rewards.
Pros:
- 3 points per $1 spent on the first $150,000 per year in combined spending on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines.
- Points can be transferred to travel partners.
- Elevated 1.25 cents per point redemption value through the Chase Ultimate Rewards travel portal and with Pay Yourself Back.
Cons:
- $95 annual fee.
- Bonus spending categories don't make sense for everyone.
For a more detailed review, check out our full review of the Ink Business Preferred® Credit Card.
Ink Business Cash® Credit Card
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- 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.
- 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
- 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 is marketed as somewhat of a step down from the Ink Preferred. However, many people find this card offers significantly better value.
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 spent per year.
- 1% back on all other purchases.
- $0 annual fee.
Cons:
- Cap on 5% cash back categories is on the lower end.
For a more detailed review, check out our full review of the Ink Business Cash® Credit Card.
Ink Business Unlimited® Credit Card
- Earn $900 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
- Earn unlimited 1.5% cash back on every purchase made for your business
Just like the Freedom Unlimited card, the Ink Unlimited also earns unlimited 1.5% cash back on daily spending. Unlike the Freedom Unlimited, though, the Ink Unlimited has no bonus earning categories.
Pros:
- 1.5% back on all purchases.
- No annual fee.
- Does not count towards Chase's 5/24 rule, although it is restricted by it.
Cons:
- You must hold a premium card in order to access Ultimate Rewards or transfer to travel partners.
- No bonus categories for spending.
For a more detailed review, check out our full review of the Ink Business Unlimited® Credit Card.
“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 use to current cardholders. This includes the Chase Sapphire Card® mentioned above (which is available via product change) and the cards below.
Ink Plus® Business Credit Card
If you are lucky enough to hold an Ink Plus Card, you are one of the few that 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 each year. It's also considered a premium product, so cardholders have the ability to transfer their Ultimate Rewards to partners and redeem them via the Chase travel portal at an elevated rate of 1.25 cents per point.
Ink Bold Business Charge Card
The Ink Bold Business Charge Card was discontinued back in 2014. It's almost identical to the Ink Plus Card in all of its features and earning. However, it is a charge card, rather than a credit card. This means that you do not have a preset credit limit, but the tradeoff is that 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℠, but it isn't completely off the table. According to several data points, cardholders are still able to downgrade their cards to the Freedom Card.
The Freedom Card card earns 5% cash back in rotating bonus categories, which you must activate each quarter. It's capped at $1,500 in combined quarterly spending. All other purchases earn 1% back.
Related Content: Current Chase Freedom Quarterly Categories
Other Ways to Earn Chase Ultimate Rewards
Aside from credit card welcome bonuses and daily spending, there are two more great ways to earn Ultimate Rewards:
- Card Referrals — Chase allows select 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 to you, head over to the Refer-A-Friend page and enter the required information. Chase will then let you know which offers are available to you. This is available for personal and small business cards.
- Shopping Portal — The Ultimate Rewards shopping portal allows you to earn even more points each time you shop with a qualifying merchant. Before you make a purchase online, make sure to head over to the Chase shopping portal to see if the store is eligible to earn bonus Ultimate Rewards.
Ways to Redeem Ultimate Rewards
Using your cards to earn Ultimate Rewards is only half of the fun. The other half is redeeming them. You can redeem your Ultimate Rewards for things like gift cards, Apple products, and even Pay Yourself Back. But the best way to use Chase points is by transferring points to Chase Ultimate Rewards transfer partners.
Ultimate Rewards can be transferred to the following loyalty programs at a rate of 1 Ultimate Rewards to 1 airline mile or hotel point:
Final Thoughts
Having an arsenal of Ultimate Rewards is never a bad idea. Thanks to their versatility and flexibility, their uses are many while not sacrificing value. Thankfully, amassing these versatile points can be quite simple, since several credit cards earn Ultimate Rewards—each with welcome offers and spending categories that can help to build your stash.
Which is your favorite card that earns Chase Ultimate Rewards?
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