If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.
Chase has some of the best rewards credit cards of any card issuer. If you have one of them, you'll need to know how to redeem points on a Chase credit card.
Your redemption options depend on which Chase card you have. Here's a complete look at the redemption process and which options will get you the most bang for your buck -- or in this case, your Chase Ultimate Rewards points.
All Chase rewards cards are part of its Ultimate Rewards program. You can redeem rewards points on a Chase credit card through the Ultimate Rewards site. Here's how:
The remainder of your redemption process will vary based on the option you chose. You can learn about the potential redemptions -- and how much value they offer per Chase point -- below.
![]() |
![]() |
![]() |
Chase Freedom Unlimited® | Chase Freedom Flex® | Chase Sapphire Preferred® Card |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
Apply Now for Chase Freedom Flex®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. Up to $300 cash back |
Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! $200 bonus |
Welcome Offer: 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 Travel℠. 60,000 bonus points |
Rewards Program: 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 1.5% - 5% cash back |
Rewards Program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases. 5% cash back offer |
Rewards Program: 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. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Intro APR: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
Intro APR: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Regular APR: 20.49% - 29.24% Variable |
Regular APR: 20.49%-29.24% Variable |
Regular APR: 21.49%-28.49% Variable |
Annual Fee: N/A $0 |
Annual Fee: N/A $0 |
Annual Fee: N/A $95 |
Highlights:
|
Highlights:
|
Highlights:
|
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
Apply Now for Chase Freedom Flex®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Show More
|
Value:
This redemption option is only available if you have a Chase Sapphire card or the Ink Business Preferred® Credit Card. Once you've chosen this option, select a travel partner, enter the number of points you want to send and your account information in that partner's loyalty program, and confirm the transfer.
TIP
Trying to transfer your Chase points to a specific airline or hotel? We've got you! Here are some of the transfer guides we've put together:
Chase has an extensive list of airline and hotel transfer partners. Here are the frequent flyer programs where you can transfer Chase points:
And here are the hotel loyalty programs:
Transfers are one of the best ways to redeem points on a Chase credit card. If you can find a good award booking, it's possible to get a very high value for your points.
Value:
With this option, you can search for and book travel through the Chase Travel portal. If you're not sure how to use the portal, check out our Chase Travel Portal Guide.
Although all Chase rewards cards offer this, you get more value for your points with a Chase travel card.
Pay Yourself Back lets you apply points as a statement credit toward eligible purchases from the last 90 days. The types of purchases that are eligible and the value you get for your points depend on your Chase credit card, and Chase can change these periodically.
In the table below, you'll find the current Chase Pay Yourself Back offers for all its rewards credit cards:
Cards | Value per point | Categories | Expiration date |
---|---|---|---|
Chase Sapphire Reserve® | $0.015 | Grocery stores, dining, home improvement stores, select charities, funding a vaccine ride with Lyft | Sept. 30, 2021 (select charities expire Dec. 31, 2021) |
Chase Sapphire Preferred® Card | $0.0125 | Grocery stores, dining, home improvement stores, select charities, funding a vaccine ride with Lyft | Sept. 30, 2021 (select charities expire Dec. 31, 2021) |
Ink Business Preferred® Credit Card | $0.0125 | Shipping, home improvement stores, internet, cable, and phone services, select charities, funding a vaccine ride with Lyft | Sept. 30, 2021 (select charities option expires Dec. 31, 2021) |
Chase Freedom Flex®, Chase Freedom Unlimited®, Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card | $0.0125 | Select charities | Dec. 31, 2021 |
Chase Freedom Flex®, Chase Freedom Unlimited® | $0.011 | Dining (up to $250 in purchases) | Sept. 30, 2021 |
Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card | $0.011 | Internet, cable, and phone services | Sept. 30, 2021 |
Value:
Chase Dining has special dining offers you can purchase with your points. These include meals for delivery and pickup as well as outdoor seating reservations.
Value:
Chase offers gift cards from a variety of merchants. Although you normally get the same value for your points as you would on cash back redemptions, there are usually gift card promotions with some merchants where you can get a 10% discount.
Value:
The simplest way to redeem points on a Chase credit card is cash back. You can choose to get cash back as either a statement credit or a deposit to a bank account.
Value:
This option is also only available if you have a Chase travel card or the Ink Business Preferred® Credit Card. If so, you can search for and book available experiences.
Value:
Chase offers a shopping portal where you can redeem points for Apple products.
Value:
To redeem points on a Chase credit card at Amazon, sign in to your Amazon account and link your Chase card to it. After that, you can pay with points during checkout -- albeit for a very low value per point.
If you have multiple Chase rewards cards, you can move points from one to the other. To do so, click "Combine points" in the list of options on the "Earn / Use" dropdown menu.
By combining points, you can open up more ways to redeem points on a Chase credit card or increase the value you'll get from your points.
If you have a cash back card and a travel card with Chase, you can move your points to the travel card so you can transfer points to travel partners. And if you have the Chase Sapphire Reserve®, it makes sense to move your points to that card for redemptions where it offers a higher rate of $0.015 per point.
All the ways to redeem points on Chase credit cards can seem overwhelming at first glance. But it's not as complicated as it looks.
If you only have a Chase cash back card, then cash back is usually the best choice. That's the simplest option, and there aren't any high-value alternatives. You could also consider gift cards if you find any promotions you like or Pay Yourself Back if it has any current deals that interest you.
If you have a Chase travel card or the Ink Business Preferred® Credit Card, check for transfer opportunities to travel partners first. These offer the most potential value. Other options that provide a good value per point are travel bookings through Ultimate Rewards, Pay Yourself Back, and Chase Dining.
The key to using Chase points is narrowing it down to a few high-value redemption options you like. That way, you don't need to look through every option when you redeem points on a Chase credit card.
Here are some other questions we've answered:
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 20.24%, 25.24%, or 29.99% Variable APR |
||
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
||
![]()
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 19.24% - 29.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.