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Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
21 ways to use 100K Chase Ultimate Rewards points: From budget-friendly flights to luxe hotel stays
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.
July 4, 2025 • 16 min read
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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
The article outlines 21 ways to redeem a large stash of flexible travel points for high-value flights and hotel stays, focusing on both luxury and budget-friendly options.
Highlighted redemptions include round-trip economy and business-class flights to destinations like London, Hawaii, Tokyo and Lima, as well as premium hotel stays at top properties worldwide.
The guide emphasizes the value of transferring points to airline and hotel loyalty programs, with examples showing how to maximize cents per point based on TPG's valuations as of June 2024.
Award availability and pricing can fluctuate, and flexibility is often required to secure the best deals, especially for premium cabins or peak travel periods.
What to consider
Some redemptions require booking through partner loyalty programs and may only be available close to departure, making flexible travel plans important.
Award charts, transfer ratios and off-peak pricing can impact the number of points needed and overall value received.
Certain premium cabin awards or hotel stays may have limited availability or eligibility restrictions, such as elite status requirements for select first-class flights.
What you'll miss from the article
A detailed breakdown of specific flight and hotel redemption options, including cash value comparisons and strategies to maximize the value of your travel points.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
Whether you have a stack of Chase Ultimate Rewards points in your back pocket or are planning to earn a ton of points, we have some great trips you could book with your rewards.
The Chase Sapphire Reserve® underwent a refresh and, at that time, offered new cardholders 100,000 bonus points plus a $500 Chase Travel℠promo credit after spending $5,000 on purchases in the first three months from account opening (this offer is no longer available).
To locate flights, we used Seats.aero to find award availability across 20-plus airline loyalty programs. This is one of the best ways to find the best seats in seconds, and we used it to find many of the reward flights mentioned below.
BEN SMITHSON/THE POINTS GUY
Regarding hotel stays, World of Hyatt is the most award-friendly program, and Chase Ultimate Rewards points transfer to Hyatt at a 1:1 ratio. Because of this, all of our top hotels to book with 100,000 Chase points are Hyatt hotels.
Hyatt is one of the few programs that still publishes an award chart, and each redemption option we share below is an example of off-peak pricing.
Keep in mind values and prices are valid at the time of writing.
8 round-trip economy flights to London via Virgin Atlantic Flying Club
Virgin Atlantic flights to London’s Heathrow Airport (LHR) from New York’s John F. Kennedy International Airport (JFK) start at 6,000 points one-way in Economy Classic. You can use Virgin Atlantic’s reward seat checker to find saver fares if they’re available on your route.
VIRGIN ATLANTIC
Eight round-trip economy tickets would cost 96,000 Chase points since they transfer to Virgin at a 1:1 ratio. This bonus alone could allow a family of four to fly to London and back two times. Plus, Chase sometimes runs transfer bonuses to Virgin Atlantic, which can stretch your Chase points even further.
3 round-trip economy flights to Milan or Athens, Greece, via Emirates Skywards
You can take one of Emirates’ two fifth-freedom routes if you transfer your Chase points for a 17,500-mile, one-way economy ticket to Milan Malpensa Airport (MXP) from JFK.
EMIRATES
Since Chase points transfer to Emirates at a 1:1 ratio, three round-trip economy itineraries would cost 105,000 points. Don’t worry, you’ll naturally earn that extra 5,000 points through spending toward your Sapphire Reserve's 100,000-point bonus (no longer available).
3 round-trip United economy flights to Hawaii via Air Canada Aeroplan
In general, you’ll find great value by searching for award flights on partner airlines. You can find a one-way United Airlines economy ticket to Hawaii from the West Coast for 15,000 miles via Air Canada Aeroplan thanks to the carriers' Star Alliance partnership.
AIR CANADA
This means you can get three round-trip tickets booked for 90,000 Chase points when you transfer them to Air Canada Aeroplan.
6 one-way Delta economy flights to the Caribbean via Air France-KLM Flying Blue
Delta Air Lines may not be a Chase Ultimate Rewards transfer partner, but that doesn’t mean you can’t use your Chase points to book a Delta flight. If a Caribbean vacation is in your dreams, say hello to Delta’s SkyTeam alliance partner Air France-KLM Flying Blue.
AIR FRANCE
After transferring your Chase points to Flying Blue, you can find a one-way ticket for 14,500 miles to Las Americas International Airport (SDQ) in the Dominican Republic from Hartsfield-Jackson Atlanta International Airport (ATL). Six tickets would cost 87,000 Chase points since you can transfer them to Flying Blue at a 1:1 ratio. Flying Blue often runs monthly Promo Rewards, with which you can find great value on certain routes through the program.
2 one-way business-class flights to or from Madrid via Iberia Club
Flying to Spain is easy when you find off-peak availability on Iberia. You and your family (or friends) can fly in Iberia's business class to Adolfo Suárez Madrid-Barajas Airport (MAD) from JFK for 40,500 Avios each when you transfer your Chase points to Iberia Club at a 1:1 ratio.
IBERIA
Two one-way business-class tickets would cost 81,000 Avios, which you’ll have in your account once you earn that 100,000-point bonus (no longer available) on the Sapphire Reserve.
3 one-way business-class flights to or from London via Virgin Atlantic Flying Club
Virgin Atlantic is a solid transfer partner for more than just economy flights. You can snag a one-way business-class seat from JFK to LHR for 32,000 points, which means you could book three one-way tickets for 96,000 points, thanks to saver fares.
1 round-trip business-class flight to Tokyo on ANA via Virgin Atlantic Flying Club
Virgin Atlantic’s published award chart shows that business-class seats on All Nippon Airways flights to Japan from the West Coast would require 52,500 points one-way. This means you could fly round-trip in business class for 105,000 points, which you’d earn from spending to earn the 100,000-point bonus (no longer available) on the Sapphire Reserve.
VIRGIN ATLANTIC
However, it’s worth mentioning that these award fares are often available just days before the flight. Because of this, flexibility would be the key to this redemption. To check availability and book an ANA flight with Virgin points, you’ll need to contact Virgin Atlantic Flying Club by phone, as this information is not available online.
1 round-trip first-class flight to Hawaii via United MileagePlus
You can get to Hawaii in United first class if you transfer your Chase points to United MileagePlus. Fly from Los Angeles International Airport (LAX) to Ellison Onizuka Kona International Airport at Keahole (KOA) on the Big Island for 50,000 miles one-way. The round-trip flight would consume all 100,000 bonus points from the Sapphire Reserve'spreviously offered bonus.
UNITED AIRLINES
United's first class features reclining chairs with extra legroom and space.
1 round-trip LATAM business-class flight to Lima, Peru, via Virgin Atlantic Flying Club
This 100,000-point bonus (no longer available) can also take you to Peru when you transfer your Chase points to Virgin Atlantic Flying Club to book a flight on LATAM.
You can get from JFK to Jorge Chávez International Airport (LIM) in Lima, Peru, for 50,000 points in business class. Booking two one-way business-class seats will use up all of the previous welcome bonus.
VIRGIN ATLANTIC
LATAM's business-class product is roomy and features high-end finishes and excellent food, making it one of TPG's favorite ways to travel to South America.
3 one-way KLM premium economy flights to Amsterdam via Air France-KLM Flying Blue
Make your way from JFK to Amsterdam Airport Schiphol (AMS) three times with 100,000 Chase points, as you can take advantage of low fare options through Air France-KLM Flying Blue to do so.
AIR FRANCE
A direct flight to Amsterdam costs 30,000 miles, so three trips would take up 90,000 points of your balance.
1 round-trip premium economy flight to Rome via United MileagePlus
If an Italian vacation is in your dreams, you'll be in luck with 100,000 Chase points.
UNITED AIRLINES
You can make your way from Dulles International Airport (IAD) near Washington, D.C., to Rome Fiumicino Leonardo da Vinci Airport (FCO) and back for 50,000 United miles each way. So, two one-way fares would consume 100,000 points when you transfer them to United MileagePlus at a 1:1 ratio.
1 one-way Lufthansa first-class flight on the Boeing 747 via Air Canada Aeroplan
If you dream of flying to Germany via Lufthansa’s fantastic first-class offering on the Boeing 747, Air Canada Aeroplan points can get you there. Lufthansa and Air Canada are Star Alliance partners, which means you can find award availability through the award-friendly Aeroplan program, a 1:1 transfer partner of Chase Ultimate Rewards.
LUFTHANSA
You’ll use up all 100,000 points earned with the previously offered Sapphire Reserve's bonus on a one-way flight to Frankfurt Airport (FRA) from Chicago's O’Hare International Airport (ORD). However, as you’ll see from our price comparison, the onboard experience (including Champagne and caviar) ensures you’re getting a high cash value from your points.
Note that when booking Lufthansa first-class seats through partner programs, award availability does not open until a maximum of 14 days before the departure date; however, we’ve seen it open only a few days prior. Therefore, having a flexible schedule is key when wanting to book this deal.
1 one-way first-class flight to Athens via Emirates Skywards
Another Emirates fifth-freedom route flies to Athens International Airport (ATH) in Greece from Newark Liberty International Airport (EWR), connecting the U.S. to Europe in its luxurious first-class cabin.
Transfer 102,000 Chase points to Emirates to travel in a suite with pure sophistication.
Also, keep in mind that Emirates started restricting first-class awards to Platinum, Gold and Silver status members as of May 12. Now, you won’t be able to book this flight if you aren’t an elite member in the Emirates Skywards program.
Up to 3 nights at the Andaz Peninsula Papagayo Resort, Costa Rica
The Andaz Peninsula Papagayo Resort is a top spot if you're traveling to Costa Rica, and you can stay for up to three off-peak nights on the previously offered bonus alone.
HYATT
You can transfer 105,000 Chase points directly to Hyatt to get three nights here.
Up to 4 nights in a beach villa at the Park Hyatt Maldives Hadahaa
A trip to the Maldives is peak luxury, and you can stay four nights in a beach villa at the Park Hyatt Maldives Hadahaa on points if you find off-peak availability.
HYATT
With one off-peak night costing 25,000 points, you can book a four-night stay for 100,000 points.
Up to 4 nights at the Park Hyatt London River Thames
A trip to London could be highlighted with a four-night stay at the luxe Park Hyatt London River Thames, where 25,000 points will earn you one night with off-peak pricing.
HYATT
Four nights will require using your entire 100,000-point bonus (no longer available).
Up to 6 nights at the Dream Hollywood in California
A gorgeous boutique stay of your dreams in Hollywood can become a reality when you stay at the Dream Hollywood. With the previously offered welcome bonus, you could stay for nearly a week.
HYATT
Six off-peak nights would run you 102,000 points that you can transfer directly from Chase to Hyatt.
You can stay at this brand-new property for just 21,000 points a night during off-peak dates, which means a five-night all-inclusive stay would exhaust 105,000 bonus points.
If you run these searches and have trouble finding a seat or a stay, it isn’t just you. Award availability can come and go quickly. Flexibility is important to book some of our highest-value redemptions, especially flights, as seats are limited.
ERIC ROSEN/THE POINTS GUY
You may have to run multiple searches and check for availability across a wide number of dates to find exactly what you’re looking for, and some programs won’t release award seats until days before the flight is set to take off. Keep this in mind as you replicate these searches on your own time.
The Chase Sapphire Reserve's former 100,000-point offer (plus a $500 Chase Travel promo credit after spending $5,000 in the first three months; offer is no longer available) can unlock some of your most luxurious travel dreams — or it can stretch into multiple trips across the globe.
If you're looking to earn a cache of Chase points and don't currently hold the card, now is a great time to apply for the Chase Sapphire Reserve® (see rates and fees). The card is currently offering 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
These 21 examples are ideas for some of our favorite redemptions, so feel free to use this information as a starting point for creating your dream itinerary. In general, you can’t go wrong if you’re taking a trip you’ll love. Just remember to factor in TPG’s monthly valuations to ensure you get the best value for your hard-earned points.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
