17/06/2024

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All The Cards That Earn Chase Ultimate Rewards Points

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All The Cards That Earn Chase Ultimate Rewards Points

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Do you want to travel for free using travel rewards cards? You can get more value from your miles and points with cards that earn flexible transferrable currency such as Chase Ultimate Rewards® points.

You can use Chase Ultimate Rewards points for Hawaii, First Class flights on Lufthansa to Europe, visit Australia, and so many other places.

When you get cards that allow you to transfer your points you can unlock more possibilities. By combining one of these cards with an airline travel rewards card, you can travel the world for free.

The only way to earn Chase Ultimate Rewards® points is by having a card that earns Ultimate Rewards points. You can earn points shopping online but to access the portal, you need a card that earns Chase Ultimate Rewards points.

Whether you’re looking for a personal card or a business card, you can find one that fits your needs. These are all the cards that earn Chase Ultimate Rewards® Points.

gray and brown building on stilts over turquoise blue water, overwater villa suite in Maldives
Use Chase Ultimate Rewards points from these cards to stay at the Park Hyatt Maldives (Photo by Debra Schroeder/Traveling Well For Less)

Chase Sapphire Preferred® Card

Welcome bonus: You can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months of opening your Chase Sapphire Preferred® Card.

This equals $750 towards travel when you book through the Chase Ultimate Rewards portal.

Why you should get this card: This is a great card if you’re just getting started earning miles and points. With the Sapphire Preferred, you earn:

  • 5 points per $1 spent on all travel purchased through Chase Ultimate Rewards®
  • 3 points per $1 spent on dining (including dining out, take out, and eligible delivery services)
  • 3 points per $1 spent on select streaming services
  • 3 points per $1 spent on online grocery purchases (except Target, Walmart and wholesale clubs)
  • 2 points per $1 spent on all other travel
  • 1 point per $1 spent on other eligible purchases

You can bring this card with you when traveling internationally because there are no foreign transaction fees. This card includes travel insurance benefits such as Trip Cancellation/Interruption Insurance, Lost Luggage Insurance, and more.

A nice thing about the Sapphire Preferred is the annual fee is only $95.

Learn more and how to apply for the Chase Sapphire Preferred® Card.

Chase Sapphire Reserve®Card

Welcome bonus: You can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months of opening your Chase Sapphire Reserve® Card.

This equals $900 toward travel when redeemed through the Chase Ultimate Rewards portal.

Why you should get this card: This is one of the best travel rewards cards. With the Sapphire Reserve, you earn:

  • $300 yearly travel credit every card anniversary year
  • 10 points per $1 spent on hotel and car rental purchases through the Chase Ultimate Rewards portal (after the $300 travel credit)
  • 5 points per $1 spent on airfare booked through the Chase travel portal
  • 3 points per $1 spent on travel
  • 3 points per $1 spent on dining
  • 1 point per $1 spent on all other eligible purchases

You can relax in comfort when flying because this card gives you up to $100 credit every four years for Global Entry, TSA PreCheck, or NEXUS and free access to over 1,300 airport lounges and entrance to the Sapphire Lounges.

Like the Chase Sapphire Preferred, the Chase Sapphire Reserve has no foreign transaction fees and offers Trip Cancellation/Interruption Insurance, Lost Luggage Insurance, and more.

The yearly $300 travel credit and access to airport lounges easily covers this card’s annual fee of $550.

Learn more and how to apply for the Chase Sapphire Reserve® Card.

Chase Freedom Unlimited®

Welcome bonus: You can earn unlimited matched cash back for your first year with the Chase Freedom Unlimited®. No receipts or forms to fill out. Chase will automatically match all the cash back you earn.

There is no limit to how much cash back you can earn! Every $1 you spend is matched dollar for dollar.

Why you should get this card: This card makes our list of the 10 best balance transfer cards with 0% intro APR. With the Freedom Unlimited, you earn:

  • 5% cash back on travel booked through the Chase Travel Portal
  • 3% cash back at drugstores
  • 3% cash back at restaurants (including delivery and takeout)
  • 1.5% cash back on all other purchases 

Technically, a cash back card, but you can use your points for travel when paired with cards like Chase Sapphire Preferred, Chase Sapphire Reserve, and Ink Business Cash.

You’ll want to keep this card because the Freedom Unlimited has no annual fee.

Learn more and how to apply for the Chase Freedom Unlimited®

Chase Freedom Flex

Welcome bonus: You can earn a $200 Bonus after you spend $500 on purchases in your first 3 months from opening your Chase Freedom Flex℠.

Why you should get this card: This is a good card if you spend a lot at drugstores. With the Freedom Flex, you earn:

  • 5% cash back on up to $1,500 on rotating bonus categories every quarter (activation required)
  • 5% cash back on travel purchased through the Chase travel portal
  • 3% back at restaurants
  • 3% back at drugstores
  • 1% back on all other purchases

You can use your cash back rewards for travel if you have a card such as the Chase Sapphire Preferred and Ink Business Cash.

This card has no annual fee.

Ink Business Unlimited® Credit Card

Welcome bonus: You can earn a $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from opening your Ink Business Unlimited® Credit Card.

Why you should get this card: This is an easy card because there aren’t any bonus categories to track. You earn unlimited 1.5% cash back on all purchases made for your business.

This is a great card for your business because it has no annual fee.

Learn more and how to apply for the Ink Business Unlimited® Credit Card

Ink Business Cash® Credit Card

Welcome bonus: You can earn a $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from opening your Ink Business Cash® Credit Card.

Why you should get this card: This is one of the best cash back cards for small business owners that allows you to earn redeemable points for travel. With the Ink Cash, you earn:

  • 5% cash back on the first $25,000 in combined purchases each year spent on office supply store purchases and internet, cable and phone services
  • 2% back at gas stations and restaurants on up to $25,000 in combined purchases every year
  • 1% back on all other purchases

You can instantly transfer your points to 14 airline and hotel partners.

This card has no annual fee.

Learn more and how to apply for the Ink Business Cash® Credit Card

Ink Business Preferred® Credit Card

Welcome bonus: You can earn 100,000 Chase Ultimate Rewards points after spending $8,000 on purchases in the first three months of opening your Ink Business Preferred® Credit Card.

That’s $1,250 toward travel when redeemed through the Chase Ultimate Rewards travel portal.

Why you should get this card: This is one of the best credit cards for small business owners who want a high bonus, flexible points, and a low annual fee. With the Ink Business Preferred, you earn:

  • 3 points per $1 spent on the first $150,000 in combined spending each year on travel, shipping, internet, cable, phone, and ads on social media and search engines 
  • 1 point per $1 spent on all other purchases

You can bring this card when traveling to other countries because there are no foreign transaction fees.

Save money on airline tickets and hotels by transfering your points to 14 airline and hotel partners.

This card has a $95 annual fee.

Learn more and how to apply for the Ink Business Preferred® Credit Card

Other Chase Cards

Other Chase cards earn Chase Ultimate Rewards points such as the Ink Business Unlimited® Credit Card, Ink Bold, Ink Plus, and Chase Freedom.

But the points from the Ink Unlimited aren’t transferrable to loyalty program partners. You can only use them for cash back.

The Ink Bold, Ink Plus, and Chase Freedom are closed to new applicants. Holders of these cards still earn Ultimate Rewards points.

Expiration of Chase Ultimate Rewards Points

Chase Ultimate Rewards points do not expire as long as you have a card that earns Ultimate Rewards points.

If you decide to cancel a card that earns Ultimate Rewards, you have to transfer or use your points before closing your card. Or you will lose all your points.

Before canceling a card, consider asking for a retention offer.

Chase Ultimate Rewards Transfer Partners

Transferring Ultimate Rewards gives you the most value for your points and the greatest flexibility.

You can transfer Chase Ultimate Rewards to 14 airline and hotel partners:

  • Aer Lingus
  • Air Canada
  • Air France – KLM
  • British Airways
  • Emirates
  • Iberia
  • IHG
  • JetBlue
  • Marriott
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic
  • World of Hyatt

Points transfer instantly on a 1:1 ratio, minimum of 1,000 point increments. So 100,000 points become 100,000 miles or hotel points.

Because points don’t expire if you have at least one active Ultimate Rewards earning card, you can keep your points in your Ultimate Rewards account until you’re ready to use them.

Conclusion

Cards that earn transferrable currency like Chase Ultimate Rewards points offer the most flexibility and freedom to travel.

With 14 redemption partners, you can use your points to travel the world for free.

 

Traveling Well For Less has partnered with Your Best Credit Cards for our coverage of credit card products. Traveling Well For Less and CardRatings may receive a commission from card issuers.


Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is the best card to get started in the world of miles and points. It is the first card you should get to start traveling for free because the welcome offer is 60,000 points after spending $4,000 in the first three months.

 

My favorite perks about this card are earning 5X points on travel when booked through the Chase portal (2X if direct purchase), 3X points on dining, $50 yearly credit on hotels booked through the Chase portal, no foreign transaction fees, and transferring points to 13 airline and hotel partners like Hyatt, United, and Southwest.

 


Chase Freedom Unlimited®

The Chase Freedom Unlimited® is one of my favorite cards for earning cash back card and travel rewards. It offers a welcome offer of unlimited matched cash back on all your purchases your first year.

 

My favorite perks about this card are earning 5% cash back on travel booked through the Chase Travel Portal, 3% cash back at drugstores and restaurants (including delivery and takeout), 1.5% cash back on all other purchases and no annual fee. When paired with cards like the Chase Sapphire Reserve® Card or Ink Business Cash® Credit Card, you can use your points to travel for free.

 

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