Ending Saturday: Use Your Chase Points for Apple Products With a Bonus of up to 50%

Published on Nov. 27, 2024

Lyle Daly

By: Lyle Daly

Writer

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KEY POINTS

  • Chase cardholders can use their points to buy Apple products.
  • Through Saturday, you get a bonus of 10% to 50% depending on which Chase card you have.
  • It's a convenient way to get a new Apple product without paying in cash.

If you have a Chase credit card, there's currently a special promotion available for Apple fans. You get a bonus of up to 50% when using your points to buy Apple products through Chase Ultimate Rewards. This offer won't be available much longer, as it only lasts through this Saturday (Nov. 30, 2024).

The biggest bonus opportunity is with Chase's most high-end card, the Chase Sapphire Reserve®. But its other cash back cards and travel cards are offering bonuses, too. Read on to learn more and see if it's time to cash in your Chase points.

Ratings Methodology

Chase Sapphire Reserve®

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Chase Sapphire Reserve®
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% Variable

Rewards Circle with letter I in it. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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.

5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.

Annual Fee

$550

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.

    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • $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 Travel℠ 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 Travel℠. For example, 60,000 points are worth $900 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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
    • Member FDIC

Details on the Chase Apple promotion

Chase points are always redeemable for Apple products, but normally, you get $0.01 per point. That's the same as what you'd get redeeming your points for cash back.

Right now, Chase is offering more value on these redemptions. The bonus amount depends on which Chase card you have:

  • Chase Freedom cards: 10% bonus ($0.011 per point)
  • Chase Sapphire Preferred® Card: 25% bonus ($0.0125 per point)
  • Chase Sapphire Reserve®: 50% bonus ($0.015 per point)

Maybe you've had your eye on the iPhone 16 Pro, but the $999 price tag is out of your budget. With one of those Chase cards, you could pay for the purchase in points. You'd need 90,818 points with one of the Chase Freedom cards, 79,920 points with the Chase Sapphire Preferred® Card, or 66,600 points with the Chase Sapphire Reserve®.

Don't have enough points to cover the purchase? Chase also lets you pay with a combination of points and cash. For these purchases, you can pay for up to 80% of the purchase price with cash.

Special offers like these are one of the reasons Chase has some of the most popular credit cards. For a full list of top card options, check out our expert picks for the best credit cards, including cards with cash back, travel rewards, and 0% intro APR offers.

How to buy Apple products with Chase points

Here's how to take advantage of this Chase promotion:

  1. Log into your account on the Chase Ultimate Rewards website.
  2. If you have multiple Chase cards, select the one with the points you want to use.
  3. Select "Shopping & Experiences," and then select "Shop Apple®" in the dropdown menu.
  4. Choose the Apple product you want to buy.
  5. Go through the checkout process and pay for your purchase in points, cash, or a combination of the two.

A quick word of advice: If you have multiple Chase cards, move your points to the one with the highest redemption value first. For example, if you have the Chase Freedom Unlimited® and the Chase Sapphire Reserve®, move your points to the Chase Sapphire Reserve® and use it to make the purchase. This way, you'll get $0.015 per point instead of $0.011.

To do this, select "Reward details," and then select "Combine points" in the dropdown menu. You'll be able to move your points between your Chase cards.

Should you redeem your Chase points for Apple products?

If you only have a Chase Freedom card, the Apple promotion is a good way to use your Chase points. You'll get 10% more value compared to redeeming your points for cash back. By using them for Apple products, you get a better deal.

It's not quite as clear cut if you have a Chase Sapphire card. Both of these cards also let you transfer points to Chase's airline and hotel partners. You can then use your points through that partner's loyalty program. For example, you could transfer Chase points to Hyatt and use them to book an award hotel stay. Or, you could send them to United Airlines, turning them into miles you can redeem for business-class airfare.

It's possible to get much more value from your points by transferring them, but it depends on what you book. If you have any trips coming up, you may want to save your Chase points. As a general rule, when you get a travel credit card, it makes sense to use your points for travel.

Overall, this Apple promotion isn't a bad redemption option. No matter which Chase card you have, you'll get a reasonable value for your rewards. If you'd like to make your next Apple purchase with your Chase points, do it by this Saturday to get the most value.

Our Research Expert

Lyle Daly
Lyle Daly icon-button-linkedin-2x icon-button-twitter-2x

Lyle Daly is a freelance writer who has been covering personal finance since 2016.