Chase Ultimate Rewards points: How to redeem for maximum value
You can never have too many Chase Ultimate Rewards points.
This transferable rewards currency gives you access to some of the best hotel and airline transfer partners; therefore, it maintains its place as one of the most valuable to have in your wallet. TPG values Ultimate Rewards points at 2.05 cents each, per our June 2025 valuations, which is what you should aim for when redeeming your points to help you maximize your rewards.
However, you can also use your points to book car rentals, hotels and flights in the easy-to-use Chase Travel℠ portal when using certain Chase credit cards.
As such, learning how to redeem your Chase Ultimate Rewards points for maximum value is essential if you want to maximize your hard-earned points.
How can I redeem Chase Ultimate Rewards points?
If you want to maximize your Ultimate Rewards points, usually the most lucrative option is to transfer them to one of Chase's 11 airline or three hotel partners. Whether you want to save money on an economy fare, a first-class flight or a luxury hotel, you can use your points to travel the world and cut the cost by thousands of dollars.
If you don't want to transfer your points to airline and hotel partners, you can use your rewards for virtually any kind of travel booking — flights, hotels, cruises, tours and rental cars — via Chase Travel. If you have an eligible Sapphire or Ink card, with the new Points Boost redemption acceleration, your points can be worth up to 2 cents apiece. This is an excellent redemption option for folks who don't want to deal with potentially complex award program rules.
You can also use your points for nontravel redemptions, such as on Amazon purchases, gift cards or statement credits. However, this will typically yield you between 0.8 and 1 cent per point in value.
So, to get the most value out of your Chase points, here are the best ways to redeem your rewards.
What are the most valuable ways to redeem Chase Ultimate Rewards points?
Transferring your Chase points to a travel partner is often the best way to get the most value out of them. Here are some of TPG's favorite ways to redeem Ultimate Rewards points with airline and hotel transfer partners.
Virgin Atlantic Flying Club
Transfer your Chase points to the Virgin Atlantic Flying Club program. Though the airline recently switched to dynamic pricing for redemptions, a benefit of this change is that if you're flexible and willing to travel on off-peak dates, you can book one-way saver seats to the United Kingdom starting at:
- 6,000 points in economy
- 10,500 points in premium economy
- 29,000 points in business class
Make sure to look for the red "Saver" tag when searching for the lowest prices, or you can also use Virgin Atlantic's reward seat checker to find the cheapest saver fares across multiple dates.
Related: Bringing the fun back to flying: Virgin Atlantic A350 Upper Class review
United MileagePlus
Flights within the U.S. on United Airlines start at just 5,000 United MileagePlus miles on shorter routes, such as from San Francisco International Airport (SFO) to San Diego International Airport (SAN).
With fees and taxes as low as $5.60 per flight, this is a great way to save money on your next domestic flight.
Air France-KLM Flying Blue
If you want to fly to Europe beyond the U.K., consider Air France-KLM Flying Blue. While the program prices most of its awards dynamically, Flying Blue has standardized saver-level pricing for one-way flights between the U.S. and Europe. Award fares start at:
- 25,000 miles in economy
- 40,000 miles in premium economy
- 60,000 miles in business class
Remember that these rates are only for the lowest saver-level seats, which are limited.
Booking business class from the U.S. to anywhere in Europe for 60,000 Flying Blue miles is a great deal, so if you find this price on dates that work for you, jump on it. Plus, the program offers monthly award deals, making it possible to spend even fewer miles to fly internationally.
Additionally, you could extend your trip and spend a few days in Paris or Amsterdam using the free Flying Blue stopover program. This is a great way to visit another city without paying additional miles or cash. To book Flying Blue stopovers, you'll need to call Flying Blue at 800-375-8723.
Singapore KrisFlyer
Singapore Airlines has several benefits as a potential destination for your transferred Ultimate Rewards points. First, Singapore Airlines is one of the best airlines in the sky, with tremendous service and luxurious onboard products and experiences. The carrier's long-haul premium products are typically available mostly through the Singapore KrisFlyer program, not through its Star Alliance partners.
Second, Singapore KrisFlyer offers great value, with reasonable award charts, low fuel surcharges, routing rules that allow stopovers and the ability to combine multiple partners in one award.
Finally, the online award booking tool is intuitive and easy to use, though be aware that transfers typically are not instantaneous.
One of the best uses of KrisFlyer miles is booking a saver fare on the world's longest business-class flight from New York's John F. Kennedy International Airport (JFK) to Singapore Changi Airport (SIN) for just 111,500 miles. This is a great price for almost 20 hours of comfort.
Related: 19 thoughts for 19 hours on the world's longest flight from New York to Singapore
World of Hyatt
One of the best ways to use Ultimate Rewards points is to transfer them to World of Hyatt. Hyatt points are generally worth more than Marriott Bonvoy and IHG One Rewards points, so Hyatt is often your best hotel transfer partner within Chase Ultimate Rewards.
World of Hyatt prices most stays using a fixed award chart, dividing properties into Category 1 through 8 and dates into peak, off-peak and standard award nights.
Category 1 properties on off-peak dates are 3,500 points per night, while Category 8 properties on peak dates cost 45,000 points per night.
Properties in Categories 1-5, in particular, can offer some fantastic awards. For example, the Thompson Hollywood in California costs between 17,000 and 23,000 points per night, the Grand Hyatt Athens in Greece costs between 9,000 and 15,000 points and the Hyatt Regency JFK Airport at Resorts World New York costs between 12,000 and 18,000 points per night.
You can also get substantial value from higher-tier hotels. For example, redeeming 45,000 points per night at the ski-out Park Hyatt Beaver Creek Resort and Spa in Colorado during peak ski season can help you save a ton of money since a room starts at around $1,400 per night. By transferring your Chase points to World of Hyatt to book a stay at this resort, you'd yield a redemption value of over 3 cents per point.
Other notable World of Hyatt redemption properties include the Park Hyatt St. Kitts Christophe Harbour and the Park Hyatt Maldives Hadahaa, which cost between 25,000 and 35,000 points per night. Both of these luxury properties routinely sell for over $1,000 a night, so this is a great redemption option.
Related: 23 best Hyatt hotels in the world
Best cards to earn Chase Ultimate Rewards points
Here are the best ways to earn Ultimate Rewards points with Chase credit cards:
- Chase Sapphire Reserve® (see rates and fees): Earn 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
- Chase Sapphire Reserve for Business℠ (see rates and fees): Earn 200,000 bonus points after spending $30,000 in the first six months from account opening.
- Chase Sapphire Preferred® Card (see rates and fees): Earn 75,000 bonus points after you spend $5,000 on purchases in the first three months from account opening.
- Ink Business Preferred® Credit Card: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
- Chase Freedom Flex® (see rates and fees): Earn a $200 bonus after spending $500 on purchases in the first three months from account opening.
- Chase Freedom Unlimited® (see rates and fees): Earn a $200 bonus after spending $500 on purchases in the first three months from account opening.
The first four cards earn fully transferable Ultimate Rewards points, while the remaining two are technically billed as cash-back credit cards.
However, if you also have an Ultimate Rewards points-earning card, you can convert your Chase cash-back rewards to Ultimate Rewards points. For this reason, having more than one Chase card in the family can make sense to maximize your earning and redeeming potential.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Bottom line
It's no secret how much we love Ultimate Rewards points at TPG.
With so many great airline and hotel transfer partners, especially World of Hyatt, you can get great value from your next Ultimate Rewards points redemption.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.