Points are earned with an eligible Chase card.
Chase Ultimate Rewards is the rewards program through which eligible Chase cardmembers can earn points. Points are earned by using an eligible card for your everyday purchases.
The program register
Chase Ultimate Rewards
What is Chase Ultimate Rewards?
Chase Ultimate Rewards is the points program for eligible Chase credit cards. Cardmembers earn points on purchases and redeem them for cash back or gift cards at 1 cent per point, for travel through Chase Travel, or, with Sapphire Preferred, Sapphire Reserve or Ink Business Preferred, for transfers to airline and hotel partners.
Joining the program
- Cost to join
- free
- Currency
- Ultimate Rewards points
Membership comes with an eligible Chase credit card that earns Ultimate Rewards points; there is no separate enrollment fee. Points are managed in the Ultimate Rewards portal or the Chase Mobile app.
chase.com: How chase ultimate rewards works Checked
Official sources & quoted terms
Earning Ultimate Rewards points
Earn rule 1
Points are earned by using an eligible Chase credit card for everyday purchases; earn rates depend on the card.
Earn rule 2
Chase Sapphire Preferred earns 5x points on Chase Travel, 3x on dining, gas and EV charging, vacation homes, online groceries and top streaming services, 2x on other travel and 1x per $1 on all other purchases.
Earn rule 3
Chase Sapphire Reserve earns 8x points on purchases through Chase Travel, including The Edit, 4x on flights and hotels booked direct, 3x on dining and 1x on all other purchases.
Earn rule 4
Chase Freedom Unlimited earns 5% on Chase Travel, 3% on dining and drugstores and 1.5% on all other purchases.
Earn rule 5
Welcome bonus offers can be earned by meeting a spending requirement within a set time after opening a card.
Earn rule 6
Shop and Earn gives 1 to 15 bonus points per $1 spent at 1,000+ stores.
chase.com: How chase ultimate rewards works Checked
Official sources & quoted terms
Welcome bonus earned by meeting a spend requirement.
If the card has a welcome bonus offer, you can earn it by meeting certain spending requirements within a specified amount of time after first opening your account.
Sapphire Preferred earn rates.
5x points on Chase Travel® for flights, hotels, rental cars, cruises, activities and tours. ... 3x points on gas and EV charging. ... 2x points on travel worldwide ... 1x points per $1 spent on all other purchases.
chase.com: Preferred Checked
Sapphire Preferred 3x on dining.
3x points on dining worldwide, including takeout and eligible delivery services.
chase.com: Preferred Checked
Sapphire Preferred 3x on vacation homes, online groceries and streaming.
3x points on vacation homes at top brands like Airbnb, Vrbo and more. 3x points on online groceries (excluding Target, Walmart and wholesale clubs). 3x points on top streaming services.
chase.com: Preferred Checked
Sapphire Reserve earn rates.
Earn 8x points on purchases through Chase Travel, including The Edit. Earn 4x points on flights and hotels booked direct. Earn 3x points on dining at restaurants, including takeout and eligible delivery services. Earn 1x points on all other purchases.
Freedom Unlimited earn rates.
Earn unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase TravelSM.
creditcards.chase.com: Unlimited Checked
Shop and Earn bonus points.
Earn 1-15 bonus points per $1 spent at 1,000+ stores with Shop and Earn.
chase.com: Ultimate rewards Checked
Using Ultimate Rewards points
Cash back as a statement credit or a direct deposit into an eligible US Chase account, at 1 cent per point.
Gift cards from over 200 brands, at 1 cent per point.
Travel through Chase Travel (flights, hotels, rental cars, activities, cruises, vacation homes), paying with points, cash or both; Points Boost can make points worth more on select bookings.
Transfers to airline and hotel partners in increments of 1,000 points, with Sapphire Preferred, Sapphire Reserve or Ink Business Preferred. Transfers are final.
Pay with Points at Amazon.com and PayPal checkout, Apple purchases at The Shops at Chase, and Pay Yourself Back statement credits on eligible purchases.
Points can be combined across your own Chase cards or transferred to a household member.
Point value
Chase states that points are worth 1 cent each when redeemed for cash back or gift cards (10,000 points = $100). Travel and partner transfer values vary by card and booking.
chase.com: Ultimate rewards Checked
Official sources & quoted terms
Cash back as statement credit or deposit; gift cards from 200+ brands.
Turn your rewards into a statement credit or a direct deposit into eligible U.S. Chase accounts. ... Shop over 200 of your favorite gift card brands.
chase.com: Ultimate rewards Checked
Pay with Points at Amazon and PayPal; Apple; Pay Yourself Back.
Use your points to pay for all or part of your eligible Amazon.com orders or when you check out with PayPal.
chase.com: Ultimate rewards Checked
Apple purchases and Pay Yourself Back.
Use your points to pay for all or part of your Apple purchases at The Shops at Chase. ... Pay Yourself Back Choose to receive a statement credit on one or more of your eligible purchases.
chase.com: Ultimate rewards Checked
Travel through Chase Travel with points, cash or both; Points Boost.
You can use your points to book flights, hotels, rental cars, activities, cruises and vacation homes through Chase Travel. You can pay with points, cash or a mix of both
Points Boost on select bookings.
you may be able to use Points Boost on select bookings.
Transfers require Sapphire Preferred, Sapphire Reserve or Ink Business Preferred.
To transfer points to a travel partner, you need to have one of the following Chase credit cards: Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred® .
chase.com: Basics Checked
Transfers in 1,000-point increments, final.
Your points can typically only be transferred in increments of 1,000. Keep in mind that point transfers to travel partners are final.
chase.com: Basics Checked
Points can go to a household member or between own Chase cards.
Yes, with an eligible Chase credit card, you may be able to transfer points to a spouse or somebody else in your household. In most cases, you can also transfer them between your own Chase accounts
chase.com: Basics Checked
Points Transfer not available to Freedom cards; must be existing partner member.
Note that you must be an existing member of the eligible loyalty program you wish to transfer your points to, and that the Points Transfer feature is currently not available to Chase Freedom® cards.
chase.com: Basics Checked
Points worth 1 cent for cash back or gift cards; 10,000 points = $100.
10,000 Chase Ultimate Rewards points are typically worth $100 when redeemed toward gift cards or as cash back or a statement credit.
Each point worth 1 cent for cash back.
If you’re interested in cash back, each point is worth 1 cent when redeemed.
Pooling points across your own cards helps when a card cannot transfer to partners.
If you hold multiple Ultimate Rewards-earning credit cards, you can transfer points between your cards. This may be particularly useful if you have a card that earns points but doesn't allow transfers to travel partners.
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When Ultimate Rewards points expire
Points do not expire as long as the credit card account remains open and in good standing. Closing the account may forfeit unredeemed points.
chase.com: How chase ultimate rewards works Checked
Official sources & quoted terms
Points do not expire while the account is open and in good standing.
Ultimate Rewards points do not expire as long as your credit card account remains open and in good standing. If you choose to close your account, you may lose any unredeemed points.
Membership benefits
No tiers.
Program partners
- Aer Lingus AerClub
- British Airways Club
- Air France KLM Flying Blue
- Iberia Club
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
- Air Canada Aeroplan
- IHG One Rewards
- Marriott Bonvoy
- World of Hyatt
- Wyndham Rewards
chase.com: Basics Checked
Official sources & quoted terms
Transfer partners listed by Chase.
Airlines: AerClub, loyalty program of Aer Lingus The British Airways Club Air France KLM - Flying Blue Iberia Club JetBlue TrueBlue Singapore Airlines KrisFlyer ... Hotels: IHG® One Rewards Marriott Bonvoy™ World of Hyatt® Wyndham Rewards
- AerClub (Aer Lingus)
- The British Airways Club
- Air France KLM Flying Blue
- Iberia Club
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
- Air Canada Aeroplan
- IHG One Rewards
- Marriott Bonvoy
- World of Hyatt
- Wyndham Rewards
chase.com: Basics Checked
Paid options
Chase Sapphire Preferred credit card, $95 annual fee.
Chase Freedom Unlimited credit card, no annual fee.
chase.com: Preferred Checked
Official sources & quoted terms
Sapphire Preferred annual fee $95.
Earn more than ever, same $95 annual fee.
chase.com: Preferred Checked
Freedom Unlimited has no annual fee.
No annual fee You won't have to pay an annual fee†
creditcards.chase.com: Unlimited Checked
About this profile
Chase Ultimate Rewards is the credit card rewards program of JPMorgan Chase. Holders of eligible Chase cards, such as Sapphire, Freedom and Ink, earn points on purchases and redeem them for cash back, Chase Travel bookings, gift cards, purchases with select merchants and, with select cards, transfers to airline and hotel partners. There are no member tiers; earn rates and redemption options depend on the card.
Profiles are built from the program's own published terms. Source links, quotations and checked dates are included with each topic.
chase.com: Ultimate rewards Checked
Official sources & quoted terms
Ultimate Rewards is a credit card rewards program offered by Chase.
Chase Ultimate Rewards is a credit card rewards program offered by Chase that helps turn your everyday purchases into rewards.
Recent program changes
Sapphire Preferred points transfer to World of Hyatt at a 4:3 rate for new cardmembers applying on or after June 15, 2026, and the 10% Anniversary Bonus was discontinued for new applicants. Sapphire Preferred also added 3x on gas and EV charging and on vacation homes, with the $95 annual fee unchanged.
The 4:3 World of Hyatt transfer rate applies to Sapphire Preferred cardmembers who applied before June 15, 2026, and to existing Ink Business Preferred cardmembers.
media.chase.com: News Checked
Official sources & quoted terms
World of Hyatt 4:3 for Sapphire Preferred, dates for new and existing cardmembers.
at a rate of 4:3 ... effective immediately for new cardmembers who apply on or after June 15, 2026, ... effective October 1, 2026, for cardmembers who applied prior to June 15, 2026.
media.chase.com: News Checked
10% Anniversary Bonus discontinued.
The 10% Anniversary Bonus Benefit is being discontinued
media.chase.com: News Checked
Sapphire Preferred new 3x categories; fee unchanged.
3x points on gas and EV charging ... with no change to the $95 annual fee
media.chase.com: News Checked
Member questions
Answers from the published program terms.
What is Chase Ultimate Rewards?
Chase Ultimate Rewards is the points program for eligible Chase credit cards. Cardmembers earn points on purchases and redeem them for cash back or gift cards at 1 cent per point, for travel through Chase Travel, or, with Sapphire Preferred, Sapphire Reserve or Ink Business Preferred, for transfers to airline and hotel partners.
How much are Chase Ultimate Rewards points worth?
Chase says points are worth 1 cent each for cash back or gift cards, so 10,000 points are worth $100. They can be worth more through Points Boost on select Chase Travel bookings or when transferred to partners.
Do Chase Ultimate Rewards points expire?
No, as long as the credit card account stays open and in good standing. Closing the account may cause unredeemed points to be lost.
Who are the Chase Ultimate Rewards transfer partners?
Chase lists Aer Lingus AerClub, British Airways Club, Air France KLM Flying Blue, Iberia Club, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club and Air Canada Aeroplan, plus IHG One Rewards, Marriott Bonvoy, World of Hyatt and Wyndham Rewards. Transfers need a Sapphire Preferred, Sapphire Reserve or Ink Business Preferred card and go in 1,000-point increments.
Can Chase Freedom points be transferred to airlines?
Not directly. Chase says the Points Transfer feature is not available on Freedom cards, but points can be combined with your own Chase card that does allow transfers.
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