Credit Card Program
Chase Ultimate Rewards Guide
Chase's transferable points currency with 13 transfer partners (10 airlines, 3 hotels) at 1:1 ratios, earned through Sapphire, Ink, and Freedom cards.
Overview
Program
Chase
Alliance
None
Currency
points
Avg Value
1.8¢ per point
How to Earn
1-5x points per $1 depending on card and category. Requires Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred for transfer access
Flexible travelers who want to transfer points to multiple airline and hotel partners.
Redemption Sweet Spots
Economy
1.5–1.5¢
Business
2–2.2¢
First
2–2.5¢
Best value when transferred to Hyatt or United; 1.5cpp floor with Sapphire Reserve travel portal
Expiration Policy
Points do not expire while at least one UR-earning card is open. 30 days to use or transfer points after closing your last UR card
Transfer Partners
Frequently Asked Questions
How do I earn points with Chase Ultimate Rewards?
Chase Ultimate Rewards offers 1-5x points per $1 depending on card and category. Requires Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred for transfer access. You can also earn through co-branded credit cards, shopping portals, dining programs, and partner purchases. Transfer partners include: United MileagePlus, Southwest Rapid Rewards, British Airways Avios, Air France FlyingBlue, Singapore KrisFlyer, Aer Lingus AerClub, Air Canada Aeroplan, Iberia Plus, JetBlue TrueBlue, Virgin Atlantic, World of Hyatt, Marriott Bonvoy, IHG One Rewards.
Do Chase Ultimate Rewards points expire?
Points do not expire while at least one UR-earning card is open. 30 days to use or transfer points after closing your last UR card
What are the Chase Ultimate Rewards elite tiers?
Chase Ultimate Rewards does not have traditional elite status tiers.
Is Chase Ultimate Rewards worth it?
Chase Ultimate Rewards is best for flexible travelers who want to transfer points to multiple airline and hotel partners. Chase's transferable points currency with 13 transfer partners (10 airlines, 3 hotels) at 1:1 ratios, earned through Sapphire, Ink, and Freedom cards.