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Around the world: How to spend 1 million Chase Ultimate Rewards points

April 19, 2022
16 min read
Marina Bay Sands in Singapore
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Throughout the height of the pandemic, many travelers amassed large points and miles balances.

We have had lots of spending on groceries, takeout, home improvements and other everyday expenses while locked down at home. At the same time, we’ve had no easy way to redeem a bunch of miles as many international borders closed due to the COVID-19 pandemic.

Thankfully these restrictions have started to lift around the world, and we're getting back on the road again. So in this edition of TPG’s 1 million miles series, we’ll take a look at how the TPG Points and Miles team would spend 1 million Chase Ultimate Rewards points.

We’ll discuss our dream trips and how we’d use Chase points to cover airfare and hotel stays along the way. Use this as inspiration for how to redeem your own stash of Chase points as the world reopens.

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Andrew Kunesh, senior reporter

(Photo by vojtech.loksa/Shutterstock.com)

I would use a million Chase Ultimate Rewards points to book an epic tour of some of my favorite cities in the U.S., Asia and Europe.

First, I’d book a positioning flight from New York's John F. Kennedy International Airport (JFK) to San Francisco International Airport (SFO) in United Polaris business class. I’d do this by transferring 23,000 Chase points to Singapore KrisFlyer. I’d spend two nights in San Francisco to visit friends.

(Photo by Benji Stawski/The Points Guy)

In San Francisco, I’d transfer 40,000 points to World of Hyatt to stay at the Grand Hyatt San Francisco. This hotel has a great location in downtown San Francisco and is a perfect place to spend a brief trip.

(Photo courtesy of Hyatt)

Then, I’d transfer another 130,000 Chase points to Singapore Airlines and book Singapore first class from San Francisco to Singapore Changi Airport(SIN). This is expensive for one flight, but with 1 million points to spend, it’s hard to mind too much. I can add the stopover for $100 on top of the standard taxes and fees.

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(Photo courtesy of Singapore Airlines)

In Singapore, I’d transfer 100,000 points to World of Hyatt to book five nights at the Andaz Singapore. This is a property I’ve always wanted to check out due to its stellar location and posh amenities.

(Photo courtesy of Hyatt)

I’d fly from Singapore to Frankfurt Airport (FRA) in Singapore Suites for 125,000 Chase points transferred to Singapore KrisFlyer. Again, this is a lot of points, but I can’t think of a better way to travel between the two cities.

(Photo by The Points Guy)

I’d spend three nights in Mainz, Germany, at the Hyatt Regency Mainz to explore a new city. This hotel costs just 12,000 World of Hyatt points per night, which is a great deal for a centrally located hotel.

(Photo courtesy of Hyatt)

After this, I would start my journey home by booking a flight from Frankfurt to Prague Airport (PRG) on Lufthansa, stopping over in Prague for a week to see family, and then continue by flying Austrian Airlines to Newark Liberty International Airport (EWR) via Vienna Airport (VIE). This ticket costs 75,000 Chase points transferred to Air Canada Aeroplan in business class, including the stopover in Prague.

(Photo by Andrew Kunesh/The Points Guy)

In Prague, I would transfer 125,000 Chase points to World of Hyatt for five nights at the Andaz Prague, which is Hyatt's only property in the Central European capital. That said, it's a beautiful property with modern rooms, a great lobby bar and excellent service.

(Photo courtesy of Hyatt)

This brings me to a total of 654,000 points spent for the trip of a lifetime. The remaining 346,000 points would go toward domestic trips around the U.S. to see friends and family. Not all of these redemptions were the best use of points, but this trip would help me revisit many of my favorite cities. That’s truly priceless.

Related: How to spend a million Marriott points for an epic post-pandemic trip

Benji Stawski, senior reporter

With a million Chase Ultimate Rewards points, I would go on a DIY around-the-world adventure.

Although I’d be able to save some points by booking an actual around-the-world award, booking each flight separately will give me greater flexibility in the airlines I can fly and destinations I can visit. I’ll stay exclusively at World of Hyatt properties because the program offers far greater value than Chase’s other hotel partners.

I’ll visit six destinations and spend three nights at each one. As you’re going to see, relaxation and Instagram-worthy pools will be a theme of the trip.

(Screenshot from gcmap.com)

My first stop of the trip would be Marbella, Spain. Since there are no direct flights, I’d fly from New York (JFK) to Malaga-Costa del Sol Airport (AGP) via Zurich Airport (ZRH) in Swiss business class. Although flying Spain’s flag carrier Iberia might seem more logical, the total travel time would be about the same and I think that Swiss offers a much better business-class product overall. I’d book the flight by transferring 70,000 points to Chase’s newest partner, Aeroplan.

Once there, I’d stay at the Nobu Hotel Marbella on the city’s so-called Golden Mile. The hotel itself is ultra-chic, can satisfy my constant cravings for sushi and is home to Marbella’s hottest nightclub, La Suite. Award nights cost 30,000 Hyatt points per night. Although I don’t have Hyatt Globalist status, since it’s a Small Luxury Hotels of the World property, I’ll still get elite-like perks including free breakfast and upgrades.

Related: 16 incredible hotels you’d never know belonged to World of Hyatt

The Nobu Hotel Marbella. (Photo courtesy of Hyatt)

From there, I wanted to head straight to Seychelles, but because there are no direct flights, I’ll add a stopover in Istanbul. I’d fly Turkish Airlines business class for both segments and book them through Aeroplan again so that I can take advantage of its new stopover rules. Altogether, the flights from Spain to Turkey and Turkey to Seychelles would cost 70,000 points.

In Istanbul, I’d stay at the Park Hyatt Istanbul. Aside from offering a great location and amenities, it costs just 20,000 points per night so it’s a bargain. Then, in Seychelles, I’d treat myself to a stay at the top-tier Category 8 L’Escale Resort Marina & Spa for 40,000 points per night. The hotel’s idyllic setting will make it the perfect place to disconnect for a few days.

L’Escale Marina Resort & Spa. (Photo courtesy of Hyatt)

For my next stop, I’ll fly Emirates business class straight to Dubai International Airport (DXB) for 61,250 miles with Emirates Skywards. Although Emirates business class doesn’t get the highest marks, and first class is available on this route, I don’t mind “roughing it” and saving the points here since the flight is only 4 1/2 hours long.

In Dubai, I’ll stay at the Park Hyatt. It’s Hyatt’s most luxurious hotel in Dubai and costs a reasonable 20,000 points per night. Amenities include an infinity lagoon leading to a private beach, a golf course, spa and more.

Related: A 5-star trip from Phoenix to Dubai for 2

(Photo courtesy of Hyatt)

I wouldn't mind skipping first class for the flight to Dubai because I'd book Emirates first class from Dubai to Tokyo. With Emirates making it harder to book first class through partners, I’ll book the award directly through Skywards again for about 117,500 points. Perhaps most excitingly, this route is operated by one of Emirates’ few Boeing 777-300ERs with the new game-changer first-class suites.

I’ll stay at the Andaz Tokyo Toranomon Hills for 30,000 points per night. There also is a Park Hyatt nearby for the same cost, but I’ll opt for the Andaz this time around for the fresher design and better views.

(Photo by Nicky Kelvin/The Points Guy)

From Tokyo, I’ll fly directly to San Francisco (SFO) on Japan Airlines first class for 103,000 points through British Airways Executive Club. I’ve had terrific experiences with JAL and I’m a huge fan of the sushi bar the airline has in its first-class lounges.

So, why San Francisco? I’d like to drive a bit south and check out the Alila Ventana Big Sur after hearing so many amazing things about it. The resort is all-inclusive, so meals and activities are included in the 30,000-point nightly rate.

(Photo by Zach Griff/The Points Guy)

Then, to get back to New York, I’ll book United business class for 23,000 points through Singapore KrisFlyer. To get the most out of my experience, I’ll try to avoid the 757s and pick a flight that offers the true Polaris business-class seats.

If you’ve been keeping track, you’ll know that I’d still have a handful of Ultimate Rewards points left over. I’ll save these for activities and car rentals booked through the Chase Ultimate Rewards travel portal. As a Chase Sapphire Reserve cardholder, I can redeem points for 1.5 cents apiece through the portal so these points are worth about $600 altogether.

Related: What are points and miles worth? TPG’s valuations

Katie Genter, senior reporter

Redeem Virgin Atlantic miles to fly Delta One transatlantic. (Photo by Zach Griff/The Points Guy)

Frankly, I’d never use 1 million Ultimate Rewards points on a single trip. I'd prefer to use them for modest redemptions across multiple trips. But, if I had to use all 1 million points on one trip, I’d plan an extended multidestination adventure. In particular, I’d utilize various Ultimate Rewards transfer partners for flights as follows:

  • 50,000 Virgin Atlantic Flying Club points (50,000 Chase points) per person to fly Delta One nonstop from Hartsfield-Jackson Atlanta International Airport (ATL) to Munich Airport (MUC). Then I’d buy cash fares to travel to and within Eastern Europe on trains and buses.
  • 52,000 Singapore KrisFlyer miles (52,000 Chase points) per person to fly in business class on Turkish Airlines from Henri Coanda International Airport (OPT) in Bucharest, Romania, to Cape Town International Airport (CPT) via Istanbul Airport (IST).
  • Book South African Airlink in economy class from Cape Town to Skukuza Airport (SZK) through the Chase Ultimate Rewards travel portal. I’d need to redeem between 19,743 and 31,457 points per person as a Chase Sapphire Preferred Card holder on most dates.
  • Book South African Airlink in economy class from Skukuza to Johannesburg's O.R. Tambo International Airport (JNB) through the Chase Ultimate Rewards travel portal. On most dates I searched, I’d need to redeem around 11,700 Chase points per person.
  • 40,500 Singapore KrisFlyer miles (41,000 Chase points) per person to fly in business class on Egypt Air from Johannesburg to Abu Dhabi International Airport (AUH) via Cairo International Airport (CAI).
  • 24,000 British Airways Avios (24,000 Chase points) per person to fly in first class on Qatar Airways from Abu Dhabi to Hamad International Airport (DOH) in Doha, Qatar. After staying in Doha, book an inexpensive FlyDubai cash fare to fly from Doha to Dubai International Airport (DXB) — or book a British Airways Avios award if there’s availability.
  • 76,500 Singapore KrisFlyer miles (77,000 Chase points) to fly Turkish Airlines in business class from Dubai to Atlanta via Istanbul.

After flights, I’d have between 712,843 and 724,557 Ultimate Rewards points left if I traveled by myself. But I’d likely travel with my husband, so let’s assume I’d have between 425,686 and 449,114 Chase points left.

I’d use these remaining points to book Marriott Bonvoy and World of Hyatt hotels for my trip since these two programs are Ultimate Rewards transfer partners. I’d stay in five-night increments at Marriott Bonvoy hotels to maximize the perk of a fifth night free on awards.

During my extended trip, I’d stop at the Protea Hotel Kruger Gate just outside Kruger National Park in South Africa. (Photo by Katie Genter/The Points Guy)

Here’s how I’d use my Ultimate Rewards points to book hotels for my extended trip:

  • Moxy Munich Ostbahnhof: 60,000 to 80,000 Marriott Bonvoy points (60,000 to 80,000 Chase points) for a five-night stay.
  • Hyatt Regency Sofia: 25,000 World of Hyatt points (25,000 Chase points) for a five-night stay.
  • Hyatt Regency Belgrade: 25,000 World of Hyatt points (25,000 Chase points) for a five-night stay.
  • Moxy Bucharest Old Town: 40,000 to 60,000 Marriott Bonvoy points (40,000 to 60,000 Chase points) for a five-night stay.
  • Hyatt Regency Cape Town: 40,000 World of Hyatt points (40,000 Chase points) for a five-night stay.
  • Protea Hotel Kruger Gate: 80,000 to 120,000 Marriott Bonvoy points (54,000 to 80,000 Chase points if transferred by Aug. 31) for a 10-night stay.
  • Protea Hotel Pretoria Loftus Park: 20,000 to 40,000 Marriott Bonvoy points (20,000 to 40,000 Chase points) for a five-night stay.
  • Andaz Capital Gate, Abu Dhabi: 40,000 World of Hyatt points (40,000 Chase points) for a five-night stay.
  • Four Points by Sheraton Doha: 40,000 to 60,000 Marriott Bonvoy points (40,000 to 60,000 Chase points) for a five-night stay.

Marriott hotels now employ dynamic award pricing (within off-peak and peak pricing bands for most properties), and Hyatt hotels will use peak, standard and off-peak pricing for award stays. But, for simplicity, I only considered standard award rates for Hyatt stays. So, the 52 hotel nights listed above would cost between 370,000 and 480,000 Chase points.

Related: How to redeem 1 million Amex Membership Rewards

How to earn 1 million Chase Ultimate Rewards points

(Photo by John Gribben for The Points Guy)

One credit card won’t earn you 1 million Chase points in any near-term time frame, but it will get you a good head start. Here’s a look at Chase’s Ultimate Rewards-earning cards with high sign-up bonuses. Putting your everyday spending on these cards can help you rack up points quickly.

  • Chase Sapphire Preferred Card: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Earn 3 Ultimate Rewards points per dollar on dining and 2 Ultimate Rewards points per dollar on travel purchases.
  • Chase Sapphire Reserve: Earn 80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Earn 3 Ultimate Rewards points per dollar on travel and dining purchases.
  • Ink Business Preferred Credit Card: Earn 100,000 bonus points after you spend $15,000 in the first three months from account opening. Earn 3 Ultimate Rewards points per dollar on the first $150,000 spent per account anniversary year (then 1 point per dollar) on shipping, internet, cable, phone, advertising with social media sites and search engines and travel.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Bottom line

As you can see, a million Chase Ultimate Rewards points can take you very far and in a lot of style. But even with a fraction of the number of points, you can book some incredible trips. Read our full guide to Chase Ultimate Rewards points for even more inspiration on how to redeem points for luxurious trips around the world.

Featured image by (Photo by fiftymm99 via Getty Images)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
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.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended 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.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more