How to Redeem Points on a Chase Credit Card

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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.

Compare Chase cards

As of May. 08, 2024


Chase Freedom Unlimited®	Chase Freedom Flex℠	Chase Sapphire Preferred® Card
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.	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.	Rating image, 4.50 out of 5 stars. 4.50/5 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.
Apply Now for Chase Freedom Unlimited® On Chase's Secure Website.	Apply Now for Chase Freedom Flex℠ On Chase's Secure Website.	Apply Now for Chase Sapphire Preferred® Card On Chase's Secure Website.
Read Full Review	Read Full Review	Read Full Review
Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)

Welcome Offer: Up to $300 cash back	Welcome Offer: $200 bonus	Welcome Offer: 75,000 bonus points

Rewards Program: 1.5% - 5% cash back	Rewards Program: 5% cash back offer	Rewards Program: 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Intro APR: Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months	Intro APR: Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months	Intro APR: Purchases: N/A Balance Transfers: N/A

Regular APR: 20.49% - 29.24% Variable	Regular APR: 20.49%-29.24% Variable	Regular APR: 21.49%-28.49% 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 20.49% - 29.24%. 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 Ultimate Rewards®, 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 20.49%-29.24%. 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. 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, 75,000 points are worth $937.50 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
Apply Now for Chase Freedom Unlimited® On Chase's Secure Website.	Apply Now for Chase Freedom Flex℠ On Chase's Secure Website.	Apply Now for Chase Sapphire Preferred® Card On Chase's Secure Website.
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Transfer to travel partners

Value:

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.

Travel

Value:

$0.015 per point with the Chase Sapphire Reserve®
$0.0125 with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card
$0.01 per point with Chase cash back credit cards

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	Sept. 30, 2021 (select charities expire Dec. 31, 2021)
Chase Sapphire Preferred® Card	$0.0125	Grocery stores, dining, home improvement stores, select charities, funding a vaccine ride with Lyft	Sept. 30, 2021 (select charities expire Dec. 31, 2021)
Ink Business Preferred® Credit Card	$0.0125	Shipping, home improvement stores, internet, cable, and phone services, select charities, funding a vaccine ride with Lyft	Sept. 30, 2021 (select charities option expires Dec. 31, 2021)
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.

Still have questions?

Here are some other questions we've answered:

Credit card comparison

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.

Offer	Our Rating	Welcome Offer	Rewards Program	APR	Learn More
Discover it® Cash Back Apply Now for Discover it® Cash Back On Discover's Secure Website. Rates & Fees	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. 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	Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR	Apply Now for Discover it® Cash Back On Discover's Secure Website. Rates & Fees
Chase Freedom Unlimited® Apply Now for Chase Freedom Unlimited® On Chase's Secure Website.	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. Best for cash back on travel purchases	Up to $300 cash back	1.5% - 5% cash back	Intro: Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable	Apply Now for Chase Freedom Unlimited® On Chase's Secure Website.
Chase Sapphire Preferred® Card Apply Now for Chase Sapphire Preferred® Card On Chase's Secure Website.	Rating image, 4.50 out of 5 stars. 4.50/5 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. Best for travel and points transfers	75,000 bonus points	5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases	Intro: Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable	Apply Now for Chase Sapphire Preferred® Card On Chase's Secure Website.