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Many credit cards offer rewards — cash back, statement credits, gift cards — but Chase has taken credit card rewards to the next level. Chase Ultimate Rewards gives cardholders the opportunity to shop, book travel, and more, all through the convenience of the Chase Ultimate Rewards portal. However, many people aren’t aware of everything Chase Ultimate Rewards has to offer, or how to maximize their rewards — which is why we’ve created this guide.

What are Chase Ultimate Rewards?

Chase Ultimate Rewards is a loyalty program that gives cardholders access to a variety of special offers and benefits. After you use your Chase credit card to earn points or cash back, access the Chase Ultimate Rewards portal and use what you’ve earned to book travel, shop online, buy gift cards, redeem for statement credits or direct deposit, or participate in exclusive experiences.

The Chase Ultimate Rewards portal also gives you the opportunity to earn even more rewards. Use the Shop Through Chase option to earn additional points or cash back at specific retailers.

You can even use Chase Ultimate Rewards to transfer your rewards to your favorite airline or hotel, turning them into miles or points that can benefit your next big trip.

Credit Cards that Offer Chase Ultimate Rewards

Chase provides a variety of credit cards that come with access to Chase Ultimate Rewards, including both personal and business credit cards. Here’s a quick overview of each card and its rewards:

Card name Rewards earned New cardmember offer Redemption bonus APR Annual fee
Chase Sapphire Preferred Card 2x points on travel and dining, 1 point per dollar on all other purchases 50,000 bonus points if you spend $4,000 in the first three months Point value increases by 25% when redeemed for travel purchases through Chase Ultimate Rewards 17.74%–24.74% Variable $0 for the first year, then $95
Chase Freedom 5% cash back on up to $1,500/quarter in rotating bonus category purchases; 1% cash back on all other purchases $150 bonus if you spend $500 in the first three months N/A 0% for the first 15 months, then 16.74%–25.49% variable $0
Chase Freedom Unlimited 1.5% cash back on all purchases $150 bonus if you spend $500 in the first three months N/A 0% for the first 15 months, then 16.74%–25.49% variable $0
Ink Business Cash Credit Card 5% cash back on up to $25,000/year at office supply stores or internet/cablephone services; 2% cash back on up to $25,000/year at gas stations and restaurants; 1% cash back on all other purchases $500 cash back if you spend $3,000 in the first three months 0% for the first 12 months, then 14.99%–20.99% variable $0
Ink Business Preferred Credit Card 3x points on the first $150,000/year in travel, shipping, internet/cable/phone services, and advertising purchases made with social media sites and search engines; 1 point per dollar on all other purchases 80,000 bonus points if you spend $5,000 in the first three months Point value increases by 25% when redeemed through Chase Ultimate Rewards 17.74%–22.74% variable $95

You’ll notice that some of these cards offer points and others offer cash back. If you have a cash back card, you can still redeem your cash back through Chase Ultimate Rewards and gain access to Ultimate Rewards’ special offers and benefits.

If you have both a cash back card and a points card, you have even more options. Let’s say you have the Chase Freedom Unlimited and the Chase Sapphire Preferred, and you use the Chase Sapphire Preferred to earn 2x points on travel and dining while the Chase Freedom Unlimited gets you 1.5% cash back on everything else. You can transfer the cash you earn from your Chase Freedom Unlimited card to your Chase Sapphire Preferred card — you’ll get one point for every penny of cash back — and then use your Chase Sapphire Preferred card to make travel purchases through Chase Ultimate Rewards and get 25% extra value out of each point.

How to earn Ultimate Rewards points

There are two big ways to earn Chase Ultimate Rewards points. The easiest way to earn points is by making purchases on your Chase credit card. Some Chase cards offer more points for certain types of purchases. The Chase Sapphire Preferred card, for example, gives you 2x points on travel and dining.

The other way to earn Chase Ultimate Rewards points is to Shop Through Chase. You can access Shop Through Chase by logging into your Chase credit card account and visiting your Ultimate Rewards portal. You’ll see a list of retailers and special offers, such as “2x points/2% cash back at Office Depot.” Select a special offer and you’ll be taken to the retailer’s website, where you can make your purchases and earn your rewards.

Occasionally, Chase may offer additional promotions that allow you to earn Chase Ultimate Rewards points.

How to redeem Ultimate Rewards points

To redeem your ultimate Rewards points, log into your Chase credit card account and access the Chase Ultimate Rewards portal. From there, use the menu to select how you’d like to use your points.

If you want to redeem your points for travel, for example, you can search for available flights or hotels through Chase Ultimate Rewards. Choose your destination and dates to get a list of options, as well as how many points each option requires — and if you don’t have enough points, you can make up the difference in cash.

The Chase Ultimate Rewards portal is intuitive and easy to navigate, so take some time to explore all of the different ways you can redeem and spend your Chase Ultimate Rewards points.

How to you transfer Chase Ultimate Rewards points

If you’d like to transfer your Chase Ultimate Rewards points to hotels or airlines, log into your Chase credit card account and access the Chase Ultimate Rewards portal. The menu gives you the option to transfer points to travel partners, and from there you can select your preferred airline or hotel and transfer your points. Points transfer at a 1:1 value, so if you’re turning your points into airline miles, 1 point will equal 1 mile.

What else do you need to know about Chase Ultimate Rewards?

Before you redeem your points or cash back through Chase Ultimate Rewards, take some time to explore the portal and all of its reward options and benefits. Many of us automatically default to a specific reward, and if you’re the type of person who always requests a statement credit, you might be missing out on the chance to turn your points into airline miles. Remember that certain credit cards give you a point bonus if you redeem your points for travel, so keep that in mind before you book your next big trip.

Most importantly, have fun — you’ve earned these rewards, after all! Treat yourself to a gift card, plan a vacation, or take a look at one of Chase’s exclusive experiences. Once you know which rewards are available to you, you’ll be able to make informed choices and get the most out of Chase Ultimate Rewards.