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The Chase Apple discount promotion is back! Now through December 7, 2025, Chase Freedom-, Sapphire-, and Ink-branded cardholders can get up to a 50% bonus when redeeming points for Apple products using Chase Ultimate Rewards.
Read on to see which Chase cards are eligible for which redemption bonus tiers — and whether or not this offer makes sense to utilize.
Chase Ultimate Rewards for Apple Products Promotion
Select Chase cardholders can get up to a 50% bonus when purchasing Apple products through the Chase Ultimate Rewards Apple shopping portal. The eligible cards and bonus percentages are as follows:
- 10% bonus on the Chase Freedom Flex℠, Chase Freedom Unlimited®, Chase Freedom®, Ink Business Cash® Credit Card, and Ink Business Unlimited® Credit Card
- 25% bonus on the Chase Sapphire Preferred® Card (Rates & Fees), Ink Business Preferred® Credit Card , and Ink Plus® Business Credit Card
- 50% bonus on the Chase Sapphire Reserve®
Unlike past Apple promotions, this promotion isn't well-advertised by Chase. Instead, you'll simply see a small “Points are worth XX% more” line on the product carousel.
At the bottom of that page, you'll find the terms of this promotion. Here's what's on my Sapphire Preferred:
*Limited-Time Offer: From 11/11/2025 – 12/07/2025, each point you redeem for Apple merchandise in the Apple® Shop in The Shops at Chase is worth $0.0125, which means that 100 points equals $1.25 in redemption value. If you choose to use points and your Chase credit card to pay for your purchase, your credit card will be charged the full remaining dollar amount. For example, if you choose to buy Apple merchandise at $120 at $1.25 redemption value and pay for half using points, you would use 4,800 points and your credit card would be billed $60. This Limited-Time Offer is for Chase Sapphire Preferred, Chase Ink Business Preferred, Chase Ink Plus and Chase Ink Business Premier cardmembers.
Chase cardholders can typically redeem Ultimate Rewards points for Apple products at a base of 1 cent per point. With this promotion, your Chase points will be worth 1.1 cents, 1.25 cents, or 1.5 cents per point.
Example Chase discount for Apple products
Say you want to get the iPhone 17 for $829. Instead of needing to redeem the standard 82,900 Ultimate Rewards points, you will only need to use:
- 75,364 points if you use your Freedom Flex points
- 66,320 points with the Sapphire Preferred or Ink Preferred
- 55,267 points with the Sapphire Reserve
This points discount is automatically applied. No promotion code or special link is needed.
Terms and Conditions
- You can pay for part of your purchase with points and cash. The 10%, 25%, or 50% bonus will only be applied to the portion of your purchase you use points for.
- For points + cash payments, up to 80% of the value can be cash. 20% or more must be a points redemption.
- Apple products must be purchased through the Apple Ultimate Rewards Store.
Related: Different Ways To Redeem Ultimate Rewards
Using the Apple Ultimate Rewards Store
There are a few important items to note about the Apple Ultimate Rewards Store. This store is technically a third-party Apple retailer. Thus, it does not have the same shipment, warranty, and return policies as the Apple Store. Some members have commented on difficulties with receiving their product or getting help returning a defective product.
If you have other eligible purchases, you can use Chase's Pay Yourself Back feature to get a statement credit offsetting those purchases. Then, purchase your Apple products directly from the Apple Store — or whatever else you want to use your cash for.
- 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
- 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
Our Take
This promotion is great news for those planning to get a new Apple phone or computer — if you don't mind using your valuable Chase Ultimate Rewards points in this way.
During this promotion, Sapphire Preferred cardholders can get a redemption rate of 1.25 cents per point and Sapphire Reserve cardholders can get 1.5 cents per point.
That's not a bad redemption rate, but savvy Chase cardholders can get much better value from their Chase Ultimate Rewards by redeeming points through Chase's airline and hotel partners. In recent AwardWallet user redemptions, Ultimate Rewards points provided an average of 1.98¢ in value. That's better than the up to 1.5 cents possible through this promotion.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees)
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