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Chase has some of the best rewards credit cards of any card issuer. If you have one of them, you'll need to know how to redeem points on a Chase credit card.
Your redemption options depend on which Chase card you have. Here's a complete look at the redemption process and which options will get you the most bang for your buck -- or in this case, your Chase Ultimate Rewards points.
How to redeem points on a Chase credit card
All Chase rewards cards are part of its Ultimate Rewards program. You can redeem rewards points on a Chase credit card through the Ultimate Rewards site. Here's how:
Log in to your Chase account on the Ultimate Rewards site.
If you have multiple Chase credit cards, choose the card with the points you want to redeem.
Click the arrow next to the "Earn / Use" header to open its dropdown menu.
Select the type of redemption you want and follow the rest of the steps.
The remainder of your redemption process will vary based on the option you chose. You can learn about the potential redemptions -- and how much value they offer per Chase point -- below.
5.00/5
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, 5.00 out of 5 stars.
5.00/5
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, 5.00 out of 5 stars.
5.00/5
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, 5.00 out of 5 stars.
5.00/5
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, 5.00 out of 5 stars.
5.00/5
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, 5.00 out of 5 stars.
5.00/5
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 Rating Requirement:
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
Welcome Offer:
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
$200 bonus
Welcome Offer:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 bonus points
Rewards Program:
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Rewards Program:
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
5% cash back offer
Rewards Program:
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Intro APR:
0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Intro APR:
0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Intro APR:
N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR:
19.74% - 28.49% Variable
Regular APR:
19.74% - 28.49% Variable
Regular APR:
20.74% - 27.74% Variable
Annual Fee:
$0
Annual Fee:
$0
Annual Fee:
$95
Highlights:
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Highlights:
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74%-28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Highlights:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Varies from under $0.01 per point to over $0.03 per point
This redemption option is only available if you have a Chase Sapphire card or the Ink Business Preferred® Credit Card. Once you've chosen this option, select a travel partner, enter the number of points you want to send and your account information in that partner's loyalty program, and confirm the transfer.
TIP
Transfer guides
Trying to transfer your Chase points to a specific airline or hotel? We've got you! Here are some of the transfer guides we've put together:
Chase has an extensive list of airline and hotel transfer partners. Here are the frequent flyer programs where you can transfer Chase points:
Aer Lingus AerClub
Air Canada Aeroplan
British Airways Executive Club
Emirates Skywards
Flying Blue AIR FRANCE KLM
Iberia Plus
JetBlue TrueBlue
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club
And here are the hotel loyalty programs:
IHG Rewards Club
Marriott Bonvoy
World of Hyatt
Transfers are one of the best ways to redeem points on a Chase credit card. If you can find a good award booking, it's possible to get a very high value for your points.
With this option, you can search for and book travel through the Chase Travel portal. If you're not sure how to use the portal, check out our Chase Travel Portal Guide.
Although all Chase rewards cards offer this, you get more value for your points with a Chase travel card.
Pay Yourself Back
Pay Yourself Back lets you apply points as a statement credit toward eligible purchases from the last 90 days. The types of purchases that are eligible and the value you get for your points depend on your Chase credit card, and Chase can change these periodically.
In the table below, you'll find the current Chase Pay Yourself Back offers for all its rewards credit cards:
Cards
Value per point
Categories
Expiration date
Chase Sapphire Reserve®
$0.015
Grocery stores, dining, home improvement stores, select charities, funding a vaccine ride with Lyft
Chase Freedom Flex®, Chase Freedom Unlimited®, Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card
$0.0125
Select charities
Dec. 31, 2021
Chase Freedom Flex®, Chase Freedom Unlimited®
$0.011
Dining (up to $250 in purchases)
Sept. 30, 2021
Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card
$0.011
Internet, cable, and phone services
Sept. 30, 2021
Chase Dining
Value:
$0.01 per point
$0.015 per point with the Chase Sapphire Reserve® through Sept. 30, 2021
$0.0125 with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card through Sept. 30, 2021
Chase Dining has special dining offers you can purchase with your points. These include meals for delivery and pickup as well as outdoor seating reservations.
Gift cards
Value:
$0.01 per point (or more when promotions are available)
Chase offers gift cards from a variety of merchants. Although you normally get the same value for your points as you would on cash back redemptions, there are usually gift card promotions with some merchants where you can get a 10% discount.
Cash back
Value:
$0.01 per point
The simplest way to redeem points on a Chase credit card is cash back. You can choose to get cash back as either a statement credit or a deposit to a bank account.
Experiences
Value:
$0.01 per point
This option is also only available if you have a Chase travel card or the Ink Business Preferred® Credit Card. If so, you can search for and book available experiences.
Apple
Value:
$0.01 per point
Chase offers a shopping portal where you can redeem points for Apple products.
Amazon
Value:
$0.008 per point
To redeem points on a Chase credit card at Amazon, sign in to your Amazon account and link your Chase card to it. After that, you can pay with points during checkout -- albeit for a very low value per point.
Combining Chase points
If you have multiple Chase rewards cards, you can move points from one to the other. To do so, click "Combine points" in the list of options on the "Earn / Use" dropdown menu.
By combining points, you can open up more ways to redeem points on a Chase credit card or increase the value you'll get from your points.
If you have a cash back card and a travel card with Chase, you can move your points to the travel card so you can transfer points to travel partners. And if you have the Chase Sapphire Reserve®, it makes sense to move your points to that card for redemptions where it offers a higher rate of $0.015 per point.
What's the best way to redeem points on a Chase credit card?
All the ways to redeem points on Chase credit cards can seem overwhelming at first glance. But it's not as complicated as it looks.
If you only have a Chase cash back card, then cash back is usually the best choice. That's the simplest option, and there aren't any high-value alternatives. You could also consider gift cards if you find any promotions you like or Pay Yourself Back if it has any current deals that interest you.
If you have a Chase travel card or the Ink Business Preferred® Credit Card, check for transfer opportunities to travel partners first. These offer the most potential value. Other options that provide a good value per point are travel bookings through Ultimate Rewards, Pay Yourself Back, and Chase Dining.
The key to using Chase points is narrowing it down to a few high-value redemption options you like. That way, you don't need to look through every option when you redeem points on a Chase credit card.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
5.00/5
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
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year.
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Intro:
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular:18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
5.00/5
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
Best for cash rewards on everyday spending
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2% cash rewards
Earn unlimited 2% cash rewards on purchases.
Intro:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
4.00/5
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
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. JPMorgan Chase is an advertising partner of Motley Fool Money. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, Apple, and JPMorgan Chase. The Motley Fool recommends Hyatt Hotels, InterContinental Hotels Group Plc, Marriott International, and Southwest Airlines. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa.
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