Chase Ultimate Rewards is a rewards system that turns your everyday spending into points you can use for lots of cool stuff. If you have a Chase credit card that works with Ultimate Rewards, you can start earning points on things you buy all the time, like food and travel. Then, you can trade those points for travel bookings, cash back, gift cards, or even shopping directly on sites like Amazon.

How to Earn Points

You get points by using your Chase credit card on everyday purchases. Different Chase cards give you more points for certain things. For example, some cards give you extra points when you spend money on travel or eating out.

Ways to Use Your Points

1. Travel

Using points for travel is a great deal. You can book flights, hotels, and more through the Chase travel portal. Sometimes, your points are worth more when you use them to book travel, especially if you have certain Chase cards. You can also transfer your points to different airline and hotel programs, which might make them even more valuable.

2. Cash Back and Gift Cards

You can turn your points into cash back or gift cards. This is super straightforward but might not stretch your points as far as travel can.

3. Shopping

You can also use your points to shop directly on websites like Amazon. It's convenient but not always the best value for your points.

Tips to Get the Most Out of Your Points

• Pick the Right Card for You: Some cards give you more points for the things you spend money on the most. Choose a card that fits your spending habits to earn points faster.
• Mix and Match Your Cards: If you have more than one Chase card, you can move points between them. This is handy if one card lets you use points for travel with a better deal.
• Use Transfer Partners: You can transfer your points to airline and hotel partners. This can be a great move if you're booking fancy flights or hotels, as it might give you more bang for your buck.

Some Chase Cards That Earn Points

• Chase Sapphire Preferred® Card: Great for travel and dining, with bonuses when you book travel through Chase.
• Chase Sapphire Reserve®: Offers more travel perks and higher points on travel and dining.
• Chase Freedom Flex℠: Good for earning cash back on changing categories each quarter and on travel booked through Chase.
• Chase Freedom Unlimited®: Gives you a steady cash back rate on all purchases, with extra in certain categories.

Cool Transfer Partners

• Airlines: Like United Airlines, Southwest Airlines, British Airways, and Singapore Airlines.
• Hotels: Such as World of Hyatt, Marriott Bonvoy, and IHG Rewards Club.

Transferring points to these partners can make them worth more, especially for luxury travel.

Remember

• Earn Points by Spending: Use your Chase card for daily buys to rack up points.
• Best Value with Travel: Points are usually worth the most when used for travel.
• Smart Card Use: Pick the best card for your spending habits and combine points from different cards for better deals.

By getting the hang of how to earn and use Chase Ultimate Rewards points, you can make your everyday spending work for you, turning it into exciting travel, cash back, or shopping treats.