Chase offers some of the most attractive rewards credit cards around. Their Ultimate Rewards® points currency is considered one of the more valuable and flexible types of rewards you can earn.
In addition to offering amazing rewards, Chase credit cards tend to offer some awesome benefits, as well.
Here are some of the benefits you can expect from a Chase Ultimate Rewards® points earning credit card.
What’s Ahead:
Chase Ultimate Rewards® travel portal
The Chase Ultimate Rewards® travel portal allows you to use your points to book travel including flights, hotels, rental cars, things to do, cruises, vacation rentals, deals and more. Their travel booking engine is powered by Expedia, so you’ll usually get some pretty good deals.
The real bonus comes when you use a premium Ultimate Rewards card to book travel. The Chase Sapphire Preferred® Card and Chase Ink Business Preferred® Credit Card credit cards give your points a 25 percent boost when you redeem through Chase Ultimate Rewards®. Using a Chase Sapphire Reserve® Card card boosts your point value by 50%.
Chase Ultimate Rewards® transfer partners
If you have a Chase Sapphire Reserve®, Chase Sapphire Preferred® or Chase Ink Business Preferred® credit card, you can transfer your ultimate reward points to select hotel and airline travel partners.
All transfers are completed based on a one Ultimate Rewards point to one partner program point basis in 1,000 point increments. Occasionally, bonus points may be offered for certain travel partner programs.
Below is a list of current transfer partners and the estimated time it typically takes to transfer points to their programs.
- Aer Lingus AerClub (instantly)
- British Airways Executive Club (instantly)
- Flying Blue AIR FRANCE KLM (instantly)
- Iberia Plus (instantly)
- JetBlue TrueBlue (instantly)
- Singapore Airlines KrisFlyer (two business days)
- Southwest Airlines Rapid Rewards (instantly)
- United Explorer Card (instantly)
- Virgin Atlantic Flying Club (instantly)
- IHG Rewards Club (next business day)
- Marriott Bonvoy (next business day)
- World of Hyatt (instantly)
Multiple credit cards earn Ultimate Rewards points
Chase offers a handful of cards that allow you to earn Ultimate Rewards points. Here’s how each card can earn Ultimate Rewards points along with any applicable annual fees you may have to pay.
Chase Sapphire Preferred® Card
In A Nutshell
The Chase Sapphire Preferred® Card sets the standard for travel rewards by offering an excellent 5x points on travel purchases through Chase Ultimate Rewards®, 3x points on dining and 2x points on all other travel purchases. And points are worth 25% more when you redeem travel through Chase Ultimate Rewards® – That means the killer 80,000 point sign-up bonus is worth $1,000 towards travel.
Read review- Excellent
What We Like:
-
A monster of an up-front bonus; 80,000 bonus points after spending $4,000 in the first three months.
-
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, plus more.
-
Points are worth 25% more when you redeem travel through Chase Ultimate Rewards®
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 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, 2024.
- Member FDIC
With the Chase Sapphire Preferred® Card, you can earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
You’ll also earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and one point per dollar spent on all other purchases.
Chase Freedom Flex℠
You can earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
You’ll also earn 5% cash back on bonus categories that rotate each quarter on up to $1,500 in combined purchases (after activation).
Chase Freedom Flex℠ has made their offer enticing with even more cash back perks: 5% cash back on travel purchases when you book through Chase Ultimate rewards®, 3% cash back on dining, takeout, and drug store purchases, and unlimited 1% cash back on all other purchases.
And there’s no annual fee. There’s a lot of perks here, I know.
Chase Freedom Unlimited®
In A Nutshell
The Chase Freedom Unlimited® opens up with a terrific 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! Tack on a 0% intro APR for 15 months on purchases and balance transfers (standard 19.74% – 28.49% Variable APR) add to that a strong everyday rewards program and it’s a terrific option for anyone looking to save a ton of money on everyday purchases.
Read review- Good/
- Excellent
What We Like:
-
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 in the first year) – worth up to $300 cash back!
-
Unlimited 1.5% cash back on all other purchases.
-
0% intro APR on purchases and balance transfers for 15 months; then a variable APR of 19.74% – 28.49% Variable
- 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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, real-time alerts, and more.
The Chase Freedom Unlimited® currently offers an additional 1.5% on all purchases (up to $20,000 spent in the first year) – worth up to $300 cash back!
You’ll also earn an unlimited 1.5% cash back on all other purchases.
(1.5 Ultimate Rewards® points per dollar spent).
Use points for unique experiences
Chase is constantly offering unique experiences you can buy with your Ultimate Rewards® points. The particular experiences will vary depending on when you look at their offerings.
At the time of this writing, these are just a few of the many experiences offered through the Chase Ultimate Rewards® program:
- The Alinea Group’s Roister Restaurant – Hearth Seating (22,500 points)
- Chase Presents Summer at MetLife Stadium concerts and events (starting at 15,000 points)
- Off Road with the experts at Land Rover (85,000 points)
- 2019 PGA Championship: Daily Grounds Tickets (3,800 points)
- Arizona Diamondbacks – Deliver the game lineup to the home plate umpire prior to the game (25,000 points)
Free credit score
Chase offers a free VantageScore 3.0 credit score powered by TransUnion as well as credit alerts about changes to your credit, weekly score updates, and a score simulator through their Credit Journey tool.
You don’t even have to have an account with Chase to get a free credit score using Credit Journey.
Annual travel credits
The Chase Sapphire Reserve® Card offers up to $300 in statement credits each account anniversary year as reimbursement for travel purchases charged to your card.
Global Entry or TSA Precheck credit
You’re eligible to receive a statement credit of up to $100 once every four years to pay for the application fee for Global Entry or TSA PreCheck®.
You must charge the application fee on your Chase Sapphire Reserve® Card to get the statement credit.
Airport lounge access
You and your authorized users get access to 1,300+ VIP airport lounges worldwide with Priority Pass Select. You have to activate your membership to take advantage of this feature offered on the Chase Sapphire Reserve® Card.
Luxury hotel & resort collection benefits
If you hold a Chase Sapphire Reserve® Card, you may qualify for special benefits at hand-selected top hotels and resorts including:
- Complimentary room upgrades
- Complimentary meals
- Early check-in/Late check-out
- Special discounts or credits
- Extra amenities
Trip cancellation/interruption insurance
On Chase cards that offer this benefit, you can be reimbursed up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses for things like fares, tours and hotel bookings if your trip is canceled or cut short by sickness, severe weather or other covered situations.
You must pay for these expenses with your eligible card to qualify for the coverage.
Auto rental collision damage waiver
The auto rental collision damage waiver offers primary coverage and reimbursement up to the actual cash value of the rental vehicle if the vehicle is stolen or receives collision damage.
While this covers most rental cars in the U.S. and abroad, there are exceptions. You must decline the rental company’s collision insurance and charge the full cost of the rental to your eligible card to qualify for this coverage.
Lost luggage reimbursement
If you or an immediate family member check or carry on luggage and that luggage is damaged or lost by the carrier, you have coverage of up to $3,000 per passenger.
You must pay for the fare with your Chase Sapphire Reserve® Card to qualify for this coverage.
Trip delay reimbursement
Trips on a common carrier that are delayed more than 12 hours or require an overnight stay qualify for reimbursement of unreimbursed expenses like meals and lodging of up to $500 per ticket. This benefit is for you and your family.
You must pay for the fare with an eligible card to qualify for this coverage.
Emergency evacuation & transportation
If you, your spouse or legal dependent under age 18 become injured or ill during your trip and it requires emergency evacuation, you’ll be covered up to $100,000 as long as you paid for the trip with an eligible Chase card and the trip includes travel by a common carrier.
Purchase protection
New purchases are covered for up to $500 per claim and $50,000 per account for damage or theft within the first 120 days.
You must make the purchase on an eligible card to qualify for this coverage and exclusions do apply.
Return protection
Eligible cards offer the ability to return items for up to 90 days from the date of purchase that the store won’t take back. This is limited to $500 per item and $1,000 per year.
You must use an eligible card to make the purchase to qualify for this protection.
Extended warranty protection
This feature extends the time period of a U.S. manufacturer’s warranty by an additional 12 months as long as the original warranty is three years or less.
You must pay for the purchase with an eligible credit card to qualify for this coverage and meet other requirements.
Summary
If these benefits sound like an amazing deal to you, find the Chase credit card that offers the benefits you’re most interested in and apply for it today. Then, you’ll have access to these benefits when you need them.
Read more:
About the author
