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How to Use the Chase Ultimate Rewards Travel Portal

Updated Jan. 27, 2023
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

A big advantage of travel credit cards with Chase is the number of ways you can use your points. If you want to redeem points towards cash travel purchases, you can do so at a competitive rate through the Chase Ultimate Rewards travel portal. Here's how to book with this travel portal and when you should do it.

How to use the Chase Ultimate Rewards travel portal

Follow these steps to book travel through the Ultimate Rewards travel portal:

1. Log in to your Chase Ultimate Rewards account.

The quickest option is to log in to your account on the Chase Ultimate Rewards site. There's also a link to this site in your Chase credit card account.

2. Click "Earn / Use" to open a menu with various options, and then click "Travel."

Earn/ Use button continued.

Image source: Getty Images

3. Choose the type of travel you want to book.

Chase travel portal screenshot.

Image source: Getty Images

The travel portal offers the following options:

  • Flights
  • Hotels
  • Luxury Hotel & Resort Collection
  • Cars
  • Thing to Do
  • Vacation Rentals
  • Cruises

4. Fill out the required information and perform a search.

The search process will depend on what you're booking, but it's all self-explanatory.

5. Select your desired option and complete the booking process.

Chase lets you book travel in cash, points, or a combination of the two.

What you need to access the Chase travel portal

To use the Chase travel portal, you need a Chase card in the Ultimate Rewards program. Most Chase credit cards issued exclusively by Chase qualify. This includes cards in the Chase Freedom, Chase Sapphire, and Chase Ink product lines. It doesn't include the cobranded credit cards Chase issues with partners, such as its airline and hotel cards.

The value of your points depends on which Chase card you have. Chase's standard rate is $0.01 per point, which is the same rate you'd get if you redeem Chase Ultimate Rewards points for cash back.

However, Chase travel cards offer a greater value on travel portal redemptions. Here's how much more you'd get with the current Chase travel cards:

If you're interested in travel, you should get one of those cards so that your points are worth more.

Here's some more info on those cards:

As of Jan. 24, 2023
Image for
Image for
Image for
Chase Sapphire Preferred® Card Chase Sapphire Reserve® Ink Business Preferred® Credit Card
Rating image, 4.50 out of 5 stars.
4.50 stars
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 stars
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 stars
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
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Rating Requirement:

Good/Excellent (670-850) 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.

Credit Rating Requirement:

Good/Excellent (670-850) 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.

Credit Rating Requirement:

Good/Excellent (670-850) 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.

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. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

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. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Earn 100,000 bonus points

Rewards Program: Circle with letter I in it. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

1x - 5x points

Rewards Program: Circle with letter I in it. Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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

1x - 10x points

Rewards Program: Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases.

Earn 3 points per $1 in select business categories

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR:

20.24% - 27.24% Variable

Regular APR:

21.24% - 28.24% Variable

Regular APR:

20.24% - 25.24% Variable

Annual Fee: Circle with letter I in it. N/A

$95

Annual Fee: Circle with letter I in it. N/A

$550

Annual Fee: Circle with letter I in it. N/A

$95

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Highlights:

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

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Advantages of redeeming points through the Chase travel portal

The two best ways to use Chase Ultimate Rewards points for travel are to transfer them to one of Chase's many airline and hotel partners or book through the travel portal. Here are the benefits of going with the travel portal when you redeem your rewards:

You can use it for a larger variety of travel purchases. Chase's transfer partners are all airlines and hotels, so transfers are only an option if you want to book airfare or a hotel stay. The travel portal lets you put your points towards far more travel purchases. The "Things to Do" option, in particular, includes all kinds of activities you normally can't book with credit card points. The travel portal also allows you to book flights and hotels with brands that aren't partnered with Chase.

The fixed rate provides a solid, consistent value. When you transfer your points, the value of Chase Ultimate Rewards points varies quite a bit based on your award booking. You could get over $0.02 per point, but there are also situations when it's difficult to get more than $0.01 per point. That's where the travel portal comes in handy, as you can use it when an awards booking wouldn't be of much value. At $0.0125 to $0.015 per point, depending on your Chase card, you can rest assured you're getting a good deal.

Purchases through the travel portal count as cash bookings. An important advantage of the travel portal is that even when you're paying in points, it counts as a cash purchase instead of an award booking. Here's why that's better for you:

  • Cash bookings can earn points through the travel company, whereas award bookings do not.
  • Your Chase card's travel protections apply on cash bookings, while they don't when you transfer your points and book that way.

Let's say you're booking a flight with United. If you transfer Chase points to United Airlines and buy an award ticket, you won't earn miles on that purchase. Should anything happen with your flight, you'll need to handle it with the airline.

If you booked the same United flight through the Ultimate Rewards travel portal, you could earn miles on it with the airline. Your Chase card's travel insurance would apply, which helps if you have any issues, such as a trip delay or lost luggage.

When should you use the Ultimate Rewards travel portal?

The travel portal is the clear choice for car, activity, vacation rental, and cruise bookings. It's the only way you can book those using Chase points. Flight and hotel bookings require a bit more research to decide.

Your best bet is to look up how many points you'd pay if you transferred points to the airline or hotel compared to how many you'd pay through the travel portal. Then, you can go with the option that costs you fewer points.

Choosing a credit card

Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:

In my experience, the travel portal tends to get you a better deal on the following types of travel:

  • Domestic flights in economy class
  • Hotel bookings (with the notable exception of Hyatt)

On the other hand, you're typically better off transferring your points if you're booking:

  • International flights, particularly business-class and first-class tickets
  • Domestic flights in first class
  • Stays at Hyatt hotels

That's not always the case, though. The only way to know for sure is to compare both options.

Still have questions?

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