ultimate rewards book travel

Please update your browser.

We don't support this browser version anymore. Using an updated version will help protect your accounts and provide a better experience. 

Update your browser

We don't support this browser version anymore. Using an updated version will help protect your accounts and provide a better experience.

Credit Cards

Checking Accounts

Savings Accounts

Chase.for Business

Commercial Banking

• ATM & branch

Chase Ultimate Rewards redeem points

Please turn on javascript in your browser.

It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.

Chase Ultimate Rewards ®

Use your points to fuel your passions.

Not earning rewards? Apply for a Chase credit card with Ultimate Rewards today.

Explore the possibilities

Earn bonus points on select purchases and redeem for travel, gift cards, cash back and more.

Pay with Points

Use your points to pay for all or part of your eligible Amazon.com orders or when you check out with PayPal.

Apple ® Ultimate Rewards Store

Use your points to pay for all or part of your Apple purchases.

Shop over 175 of your favorite gift card brands.

Pay Yourself Back

Choose to receive a statement credit on one or more of your eligible purchases.

Chase Dining℠

Redeem your points for takeout, reservations or exclusive culinary experiences.

Plan your next getaway, and use your points to help pay for it.

Earn Bonus Points

Earn 1-15 bonus points per $1 spent at 450+ stores with Shop through Chase ® .

Turn your rewards into a statement credit or a direct deposit into most U.S. checking and savings accounts.

Experiences

Use your card and points to attend exclusive events curated around your passions with select cards.

Transfer to Travel Partners

Transfer your points to any of our airline and hotel partners at full 1:1 value with select cards.

Enjoy value, flexibility and choice

Here are just some of the perks you could get with Chase Ultimate Rewards.

Ready to get away?

Remember to book your travel through Chase. You'll get competitive prices plus the flexibility to use your points, your card or both.

Pay with points

Instantly redeem your points to pay for all or part of your eligible orders at Amazon.com or when you check out with PayPal.

Find something delicious

Visit Chase Dining℠ to redeem points for takeout, access exclusive reservations and book culinary experiences.

Si tienes alguna pregunta, por favor, llama al número de teléfono que está al reverso de tu tarjeta.

Chase Survey

Your feedback is important to us. Will you take a few moments to answer some quick questions?

You're now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit Cards

A traveler’s guide to the Chase Travel portal

Tamara Aydinyan

Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 5:23 p.m. UTC Nov. 28, 2023

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

hocus-focus, Getty Images

For qualifying Chase cardholders, the easy-to-use Chase Travel℠ portal offers a flexible and convenient way to book hotels, flights, rental cars, cruises and more using points or a combination of points and cash.

What is the Chase travel portal?

A favorite among frequent travelers for its versatility and redemption options, Chase Ultimate Rewards® (UR) is one of the major transferable credit card rewards points programs and UR points are Chase’s flexible rewards currency.

The Chase travel portal works much like an online travel agency (OTA) similar to Orbitz or Priceline where you can book hotels, flights, cars, activities and cruises. But unlike a traditional OTA, with the Chase travel portal you can book travel with your Chase card’s rewards points, cash or a combination of the two.

Who can use the portal?

A handful of exclusively Chase-issued credit cards grant cardholders access to the Chase travel portal, but how you can utilize the portal and the value you can receive is card-specific.

The following credit cards are the only cards that earn Chase Ultimate Rewards points outright:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

But if you or a household member own at least one of the cards above, the rewards on the following cash-back credit cards can be combined with any of the cards listed above and used as Chase Ultimate Rewards points:

• Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Chase Freedom Unlimited®
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

And while the points earned cannot be combined with any of the UR-earning cards, the following pay-in-full card does have access to the Chase travel portal:

• Ink Business Premier℠ Credit Card * The information for the Ink Business Premier℠ Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Is the portal worth using?

It’s often said that having the right travel credit card is important, but knowing how to redeem your miles and points can be as paramount as which card you use to earn them. However, not everybody has the patience or interest to learn the intricacies of different rewards programs to maximize the value of every mile and point.

So while transferring UR points to individual loyalty programs is still one of the best ways to get the most cents per point at a 1:1 basis, for those who value simplicity, the Chase travel portal offers a straightforward way to book travel, earn and redeem points and still receive a great deal. Best of all, you won’t be limited by any loyalty program or award space availability.

When transferring points, the minimum you can transfer is 1,000 points to the following UR travel partners with either the Chase Sapphire Reserve, Chase Sapphire Preferred or the Ink Business Preferred cards:

Regardless of how you’re using the Chase travel portal, it’s worth considering the pros and cons.

• The standard rate for Ultimate Rewards points when redeemed for travel through the Chase travel portal is 1 UR point = 1 cent, but can be worth significantly more with the UR-earning cards. The Chase Sapphire Reserve gets a redemption value of 1.5 cents per point through the Chase Travel℠ portal while the Chase Sapphire Preferred and Chase Ink Business Preferred cards each get 1.25 cents per point.
• Since you’re not limited to any loyalty programs, you can use your UR points to book boutique hotels that you’d otherwise only be able to book with cash.
• Flights booked through the Chase travel portal can earn frequent flyer miles and can be used toward advancing your elite status.
• You can earn a substantial amount of bonus points when booking through the Chase portal depending on the card you’re using.
• You can use a combination of points plus cash to purchase your reservation.
• Hotels booked through the Chase travel portal do not earn hotel points or credits toward elite status. Any elite status perks you’d receive if booking directly with the hotel will likely be forgone.
• If you experience any issues while traveling, you’d have to go through Chase to resolve the issue. For example, if there is a problem with your hotel reservation, you’ll have to contact a Chase representative for help resolving it since you didn’t book directly with the hotel. Dealing with a middleman during travel emergencies is less than ideal and something to be wary of when considering booking through the portal.
• Southwest Airlines flights do not show up in the UR travel portal, but can be reserved by calling the Chase Travel Center at 855-233-9462.

How to book travel through the Chase travel portal

You can access the Chase travel portal by logging into your Chase account and clicking on the Rewards balance on the right or by going to the Chase Ultimate Rewards website .

Once you’re logged in, if you have more than one UR-earning Chase card, you’ll be asked to select one to proceed with — a crucial step as each card has different earning and redemption rates.

After clicking on your selection, you will be taken to the Ultimate Rewards dashboard. If you click on the Earn / Use dropdown button, all of your Ultimate Rewards options will be presented. Click on Travel to proceed to the portal.

Once in the travel portal, you’ll  have the option of selecting the type of booking you’d like to make.

From there, your user experience will be similar to any other OTA where you can search your travel options.

Because the Chase travel portal doesn’t limit you to transfer partners or loyalty programs, you’ll be able to search almost all major airlines. One notable exception is Southwest Airlines, which is still bookable using UR points but will require a phone call to the Chase Travel Center to reserve your flight.

One difference compared to a traditional OTA is the option to buy in cash, points or a combination of both.

If you’re short on points or if you’d like to offset the cash price with some points, you’re given the option to choose how to pay.

After that, you’ll be prompted to enter your traveler information and you’re all booked. However, you will have to log into the specific airline with your reservation code in order to reserve seats.

Booking hotels through the Chase travel portal is a similar process. And with the portal’s easy-to-use search function, you can find boutique hotels that would otherwise be unbookable with loyalty-program-based points.

However, if you have elite status with a hotel chain, you’ll want to book directly rather than going through the Chase portal in order to access status benefits and have that hotel stay count toward achieving a higher status. Or, you can transfer UR points to one of three UR hotel loyalty program transfer partners, including Marriott Bonvoy, World of Hyatt or IHG One Rewards.

Rental cars can also be booked through the portal in a similar fashion. And as in many cases, being aware of which card you’re booking your car rental with can make a big difference in case of an accident as both the Chase Sapphire Reserve and Chase Sapphire Preferred offer primary car insurance , an uncommon, money-saving benefit, which saves you from having to file a claim with your private car insurance carrier first.

A quick guide to the Chase Ultimate Rewards program

As some of the most sought-after flexible points, Chase Ultimate Rewards can be accrued through several avenues. The most lucrative way is by applying for Chase credit cards and earning their respective welcome bonuses — but be wary of Chase’s 5/24 rule , which blocks applicants from opening a Chase credit card if they’ve opened five or more cards from any issuer in the past 24 months.

If you have two Chase cards that earn UR points, you can then transfer the rewards earned to the card that carries the most redemption value. For example, you can open the Chase Sapphire Preferred card and then the Chase Freedom Flex and move any points earned on the Flex card to the Preferred card, which has a boosted value of 25% more when redeemed through the portal.

Looking to add more than one new credit card to your wallet? Here’s why you shouldn’t apply for multiple cards at the same time.

Outside of regular credit card spending, you can also grow your Ultimate Rewards pile by using the Chase shopping portal. By adding just one extra step to your online shopping, you can earn bonus points for your future travels.

While transferring points to partners is one option to maximize the value of your Chase Ultimate Rewards points, there are numerous other ways to use the Chase Ultimate Rewards program to your benefit. Whether it’s redeeming your points as a statement credit for eligible, rotating categories throughout the year through the “Pay Yourself Back” feature, booking special dining experiences with your points or using the portal to book your next vacation, the Chase Ultimate Rewards program’s flexibility makes it a great option regardless of your lifestyle.

Frequently asked questions (FAQs)

Chase Ultimate Rewards (UR) are Chase Bank’s flexible rewards currency that can be earned on several of its credit cards.

The Chase travel portal can be accessed through the Chase app or the Chase website. After logging in, you can select the option to book travel.

You can use your Chase travel credit, like the up to $50 annual hotel statement credit offered by the Chase Sapphire Preferred, by booking your travel through the Chase travel portal. The statement credit will automatically be applied to your account within one to two billing cycles after your purchase posts to your account — up to an annual maximum accumulation of $50.

You can redeem your Chase Ultimate Rewards directly through the travel portal with almost all major airlines with the exception of Southwest Airlines, which can be booked over the phone. With Southwest, select the flight you want at Southwest.com and then call Chase Travel Center at 855-233-9462 with the flight details.

The value you receive from the Chase travel portal will depend on the credit card you’re using. For example, if you have either the Chase Sapphire Reserve or the Chase Sapphire Preferred, your points are worth either 50% or 25% more, respectively, when redeemed for travel.

*The information for the Chase Freedom Flex℠, Ink Business Preferred® Credit Card and Ink Business Premier℠ Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Welcome offer on Chase’s IHG One Rewards Premier Business card soars to 175K points

Credit Cards Carissa Rawson

You might be a small business owner and not even know it

Credit Cards Jason Steele

Chase Freedom Flex benefits guide 2024

Credit Cards Julie Sherrier

6 ways to maximize the Citi Double Cash Card

Credit Cards Ben Luthi

How to use the Citi trifecta to maximize your rewards

Credit Cards Ryan Smith

Hilton Honors American Express business card unveils new profile, plumps up annual fee

Why my Citi Double Cash Card keeps getting better

Credit Cards Lee Huffman

Is the Citi Premier worth the annual fee?

Credit Cards Juan Ruiz

6 little known perks of the Citi Custom Cash Card

Credit Cards Harrison Pierce

Is the Chase Sapphire Preferred Worth it?

Credit Cards Tamara Aydinyan

Why I got the Citi Custom Cash Card this year instead of another travel rewards card

Credit Cards Kevin Payne

Breeze Airways releases new Breeze Easy credit card with lofty rewards, up to 10 points per $1

Credit Cards Stella Shon

6 little-known perks of the Citi Diamond Preferred Card

Guide to Wells Fargo Rewards: How to earn and redeem points for travel and other uses

Best ways to use Citi ThankYou points

Credit Cards Michael Dempster

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Complete Guide To Using the Chase Travel Portal — Maximize Your Options

Katie Seemann

Senior Content Contributor and News Editor

341 Published Articles 44 Edited Articles

Countries Visited: 28 U.S. States Visited: 29

Compliance Editor & Content Contributor

78 Published Articles 639 Edited Articles

Countries Visited: 40 U.S. States Visited: 27

Flexibility

You can earn frequent flyer miles, cards that earn chase ultimate rewards points, transfer your points between credit cards for maximum value, earning chase points by booking travel, how to access the chase travel portal, how to book a flight through chase travel, the luxury hotel and resort collection, how to book a rental car through the chase travel portal, how to book activities through chase travel, how to book a cruise through the portal, car rentals, earn bonus ultimate rewards points, pay with points, apple purchases, experiences, pay yourself back, transfer to travel partners, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Chase Ultimate Rewards is one of the major transferrable points programs and a favorite among many travelers. Points are easy to earn and can be transferred to many different hotel and airline partners. But you can also book travel directly through Chase’s travel portal using Ultimate Rewards points.

Booking travel through the Chase Travel portal is simple and can be a great way to use your points.

We’ll show you everything you need to know about how to redeem your points, including the benefits, how to know what your points are worth, and how to book airlines, hotels, and more through the Chase Travel portal.

Why Book Travel Through the Chase Travel Portal?

Generally, you can get maximum value from your Chase Ultimate Rewards points by transferring them to the Chase airline and hotel partners , so why are we talking about using points through a travel portal? While it’s true that the only way to get the highest value redemptions is by transferring, there is still a lot of value to be had by booking directly through the Chase Travel portal.

Flexibility is not often available with points bookings. Unlike an award booking, booking through Chase Travel is like using any other online travel agency (OTA) . There are no blackout dates or limited inventory award seats. If a flight or hotel is available, you can book it with points through the Chase travel portal.

One of the major bummers of booking flights with frequent flyer miles is that you don’t earn miles on award bookings. You can end up doing a lot of travel without earning miles. However, any booking you make with your Chase Ultimate Rewards points through the Chase Travel portal will earn frequent flyer miles and accrue status points. Unfortunately, hotel and car rental bookings still won’t earn points.

We have talked to so many people over the years that love the idea of collecting points and miles but don’t want to deal with the hassle. While many don’t mind putting a little work into getting an awesome redemption, others are just looking for a simple way to book travel and hopefully save some money in the process.

That’s where the Chase Travel portal comes in. With this method of redeeming points, there is no transferring, comparing points values, blackout dates, limited award availability, or multiple travel accounts. You only have to deal with 1 type of point and 1 travel portal but can still retain many of the benefits of collecting points and miles in the first place.

Bottom Line: You can book flights, hotels, rental cars, activities, and cruises through the Chase Travel portal.

If you like the idea of using the Chase Travel portal, you’ll need a credit card that earns Chase Ultimate Rewards points:

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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 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, 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.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Chase Ultimate Rewards

• The Chase Sapphire Preferred 80k or 100k Bonus Offer
• Benefits of the Chase Sapphire Preferred
• Chase Sapphire Preferred Credit Score Requirements
• Military Benefits of the Chase Sapphire Preferred
• Chase Freedom Unlimited vs Sapphire Preferred
• Chase Sapphire Preferred vs Reserve
• Amex Gold vs Chase Sapphire Preferred

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• 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 Travel℠.
• $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 Travel℠ 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 Travel℠. 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
• APR: 22.49%-29.49% Variable
• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
• Amex Gold vs Chase Sapphire Reserve
• Amex Platinum vs Chase Sapphire Reserve

Ink Business Preferred ® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• Trip cancellation and interruption insurance
• Rental car insurance
• Extended warranty coverage
• No elite travel benefits like airport lounge access
• Earn 100k bonus points after you spend $8,000 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 Travel℠
• 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
• Round-the-clock monitoring for unusual credit card purchases
• 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 Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable
• Best Business Credit Cards
• The Chase Ink Business Preferred 100k Bonus Offer
• Benefits of the Ink Business Preferred
• Chase Ink Business Preferred Cell Phone Protection
• Chase Ink Business Preferred vs Amex Business Gold
• Ink Business Cash vs Ink Business Preferred
• Amex Business Platinum vs. Chase Ink Business Preferred
• Ink Business Preferred vs Ink Business Unlimited
• Best Chase Business Credit Cards
• Best Business Credit Card for Advertising
• High Limit Business Credit Cards
• Best Credit Cards with Travel Insurance
• Best Credit Cards for Car Rental Insurance

There are also some great cash-back cards from Chase that can be used to book travel through Chase Travel. The points earned on these cards can be converted into cash-back or alternatively, they can be used in the Chase travel portal.

• Chase Freedom Flex℠
• Chase Freedom Unlimited ®
• Chase Freedom ® card (no longer open to new applicants)
• Ink Business Cash ® Credit Card
• Ink Business Plus ® Credit Card (no longer open to new applicants)
• Ink Business Unlimited ® Credit Card
• Ink Business Premier ® Credit Card

What Are Chase Ultimate Rewards Points Worth?

It’s easy to earn lots of Chase Ultimate Rewards points , but do you know how much they are worth ? If you’re transferring your Chase Ultimate Rewards points to a travel partner, their value will go up or down depending on the type of redemption.

However, when you are booking your travel directly through Chase’s travel portal, each Chase Ultimate Rewards point has a set value that won’t change . The credit card you have will determine the value of your Chase Ultimate Rewards points.

If you have multiple Chase credit cards, it makes sense to transfer your points to the card with the most valuable redemption rate. The only exception to this is the Ink Business Premier card because points earned on this card can’t be transferred to any other card.

1. To transfer your points between 2 cards, log on to the Chase dashboard and select Combine Points .

2. Then you will be able to select the card you want to transfer points from and the card you want to receive the points. After you choose, click Next.

3. You can transfer all of your points or just what you need. Click Review to continue.

4. Double-check the details and click on the Submit button to complete the transfer.

Bottom Line: Your credit card will determine the value of your Chase Ultimate Rewards points. Your points are worth between 1 to 1.5 cents each depending on which credit card you’re redeeming points through. 

What if you’d prefer to pay for your travel with a Chase credit card to earn Ultimate Rewards points? The number of points you’ll earn through the Chase travel portal is dependent on which credit card you have and what type of travel you’re purchasing.

You can log into your account in 2 ways.

First, you can go directly to the Ultimate Rewards website to log in or you can log in through your Chase account .

If you’re in your Chase account, click on one of your Ultimate Rewards credit cards and then click on Redeem next to the card’s Ultimate Rewards balance.

Then choose the card you want to use.

From here you can access Chase Travel by clicking on Travel  in the top search box or you can switch to another card’s account by clicking on the 3-line icon in the upper left-hand corner.

1. In the Travel section of your Ultimate Rewards account, click on Flights to start your search for a flight. As with any other OTA, you begin your search by inputting basic information such as departure and arrival city, travel dates, and the number of passengers.

2. Next, you will be able to narrow your search results . At the left-hand side of the page, you can filter your results by things like airline or flight times. Then you can sort your results by price, trip duration, or times using the drop-down box at the top of the search results.

3. For each flight option, you’ll be able to see the price in dollars and in points on the right-hand side of the results box.

4. Once you’ve found the flight you want, click the blue Select button. Next, you can choose your return flight using the same process as you did for selecting the outbound flight. Click the blue Select button once you have made your choice.

5. From here you can confirm your flight details and select a fare upgrade if you wish. Then, you’ll be able to choose how to pay for your flight . You can pay for the entire purchase with points or a Chase credit card, or you can split your payment between points and a Chase credit card.

6. Finally, input your passenger information next. Don’t forget to add a frequent flyer number, a Known Traveler Number, or a Redress number if you have them.

Hot Tip: When purchasing travel through the Chase travel portal, you can split your payment between Chase Ultimate Rewards points and a Chase credit card.

How To Book a Hotel Through Chase Travel

1. To book a hotel through the Chase Travel portal , you’ll need to start by clicking on the Hotels tab in the main search box. Then, input your destination, check-in and check-out dates, and the number of travelers. Next, click on the blue Search button.

2. Your search results will look like other sites that you may be familiar with. You’ll see filtering options to the left and sorting options above your search results.

3. Each search result will show the price in both dollars and Chase Ultimate Rewards points. These prices include taxes and fees with the exception of resort fees.

4. Once you select your hotel, click on Add to Itinerary . You can choose to pay for all or part of your hotel cost using Ultimate Rewards points. Click Begin Checkout to input your reservation details and finalize your booking.

Hot Tip: When booking a hotel through the Chase Travel portal, you won’t be eligible to earn points in the hotel’s loyalty program or take advantage of any elite status you may have.

The Luxury Hotel and Resort Collection (LHRC) is exclusively for Chase Sapphire Reserve cardholders. From the Ultimate Rewards travel home page, just click on The Luxury Hotel & Resort Collection tab.

Once you are on the LHRC homepage, type in your destination and click Search to view available properties. Each listing will display the property’s unique cardmember benefits. Click on the listing for more information and to continue the booking process.

When booked through the Chase Travel portal, these properties offer the following benefits:

• Daily breakfast for 2
• Special amenity (varies by property)
• Room upgrades (based on availability)
• Early check-in and late checkout (based on availability)

The Luxury Hotel and Resort Collection properties are reservation-only bookings. You’ll make your reservations online and payment doesn’t happen until you check out from the hotel. These bookings will not take Chase Ultimate Rewards points as payment.

Bottom Line: Luxury Hotel and Resort Collection properties are only available to Chase Sapphire Reserve cardmembers. These properties can’t be booked with points.

1. To rent a car through the Chase Travel portal, start by clicking on the Cars tab in the main search box. Then, input your pick-up location, drop-off location, dates, times, and age of the driver. Click on the blue Search box to continue.

2. You can then narrow your search with the filtering options on the left-hand side of the page.

3. For each car option, you will be able to see the car details, rental company, and price in both dollars and Chase Ultimate Rewards points. Once you have selected the car you want to rent, click on Add to Itinerary .

4. You can pay for the entire purchase with points or a Chase credit card or split your payment in any amount. Double-check all of the details before completing your purchase.

Did you know you can also book activities through Chase Travel?

1. Click the Activities tab on the Ultimate Rewards travel homepage to get started. Then, input your destination and travel dates and click the Search button to continue.

2. You can narrow your search by selecting 1 or more categories at the left-hand side of the page. Categories can include things like:

• Classes & workshops
• Cruises & sailing
• Food & drink
• Outdoor activities
• Seasonal & special occasions
• Tickets & passes
• Tours & sightseeing
• Transfers & ground transport
• Unique experiences

3. Each activity will show the price in both dollars and points to the right side of the screen. Click on Show Details and Pricing for more information and to book the activity.

6. Double-check all of the details on the final page before completing your purchase. Click the box confirming you understand the travel disclosures, then click Complete Checkout to finish your purchase.

Bottom Line: You can book lots of activities through the Chase Travel portal, including airport transfers!

If you’re a fan of cruises, you’ll be pleased to know you can book them through your Chase Travel portal. To get started, click on the Cruises tab on the Ultimate Rewards travel homepage.

This will bring up a list of available cruises, but there’s also a search box at the top of the screen, so you can input a specific destination or cruise line.

Each listing will display the cruise line, ship, ports of call, sailing dates, and baseline pricing for an interior or oceanview cabin. Unfortunately, if you want any more specific information or if you want to book, you will need to call 855-234-2542 .

You’ll notice that only cash prices are listed for cruises, however, they can be booked using your Chase Ultimate Rewards points, too.

Hot Tip: You can book a cruise through Chase Travel but you’ll have to call to make your reservation as they can’t be booked online.

How Do the Prices Compare to Other Sites?

Are you getting a good deal by booking through Chase? Let’s look at how the prices available through the Chase Travel portal stack up to other OTAs and search engines including Hotwire , Kayak , and Expedia .

We did some flight searches and found there’s no clear-cut pattern on prices between the Chase portal to other websites.

Example #1: Round-trip flight between Philadelphia (PHL) and San Francisco (SFO) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between Alaska Airlines and Delta Air Lines for $526.20. This worked out to be the cheapest price we found, and Priceline had the same low price. Expedia and Hotwire both charge booking fees, making the price a little higher. Each airline’s own website couldn’t split the itinerary between different airlines, so those ended up being much more expensive.

If you are in doubt or would like to check prices yourself, Kayak is a great place to start. Kayak will show you prices for a flight on all of the OTAs as well as the airline’s website. It’s a great one-stop shop to compare flight prices.

Example #2: Round-trip flight between New York City (JFK) and Paris, France (CDG) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between American Airlines and British Airways for $689.78. This wasn’t the overall best price we found, though. That award goes to Expedia and Priceline.

Hot Tip: You will earn frequent flyer miles when you book your flight through the Chase Travel portal.

Example #1: Here’s how prices looked for a week-long stay at the JW Marriott Cancun Resort & Spa in Mexico for 2 people including all taxes and fees. The $291.55 resort fee can’t be paid with points.

In this example, the best cash rate by far was through Marriott. However, if you wanted to pay with points, booking with Chase Ultimate Rewards points through the travel portal would be your best bet.

Keep in mind that Marriott doesn’t have an award chart, so different time periods can have different point costs. A 7-night stay at this hotel can dip down to 240,000 points for a 7-night stay. If you’re going to pay for your hotel stay in points, it’s always smart to calculate how many points it would cost to book through Chase versus transferring points . This information can help you make the best and least expensive choice.

Hot Tip: You won’t earn hotel loyalty points when booking a hotel through Chase and any elite status you have may not be recognized.

Example #2: Let’s look at an example of a hotel that doesn’t have a loyalty program. We priced out a 2-night stay at Almond Tree Inn Hotel in Key West, FL for 2 people. The highest prices were direct via the hotel with all other websites surveyed being cheaper.

Here’s how the prices stacked up:

Chase’s low price matched the other online travel websites and was actually lower than the hotel’s own website, so it would be a great option in this case. It also affords the opportunity to use points for a hotel that doesn’t have its own loyalty program.

In many cases, car rental prices found through the Chase Travel portal were similar to prices found on the rental agency’s own website.

The main difference in booking through Chase vs. directly through a car rental agency is that the car rental agency often has the ability to book the car without paying up front. With the Chase portal, you will be paying at the time of booking and there may be change or cancellation fees if you need to modify your reservation.

In both of these examples, Chase Travel didn’t offer the lowest price, however, that won’t always necessarily be the case. Of course, the advantage of booking through Chase is the ability to use your Chase Ultimate Rewards points. It’s always a good idea to price out your car rental on a few different websites before booking to ensure you’re getting the best price.

Chase actually offered the lowest prices on activities for both examples:

Other Ways To Use the Chase Travel Portal

The Chase Travel portal also helps you earn bonus points.  With the Shop through Chase feature, you can earn extra Ultimate Rewards points through your online shopping.

Just click Earn Bonus Points in the top search bar to access the shopping portal. Click on a featured store or search for a specific one. Then simply click through the portal to your website of choice to make your purchase. Your bonus points will be added to your Chase Ultimate Rewards points total within 3 to 5 days in most cases.

Did you know you can use your Chase Ultimate Rewards points to make purchases at Amazon and PayPal? Click on Pay with Points in the top search bar, then select either Amazon or PayPal to enroll and shop.

Unfortunately, the redemption value you get when shopping through Amazon or PayPal is pretty bad — only 0.8 cents per point. While it’s great to have this as an option, we don’t recommend using points to shop at Amazon or PayPal as your main use of Chase Ultimate Rewards points.

Bottom Line: The value of using your Chase Ultimate Rewards points to shop through Amazon or PayPal isn’t great: you will only get 0.8 cents per point!

By clicking on Apple in the main search box in your Ultimate Rewards account, you can use your Chase points to make purchases. Normally, you’ll get 1 cent per point in value when using your points for Apple purchases, but there are occasional bonuses offered to get a better redemption rate.

You can also redeem your Ultimate Rewards points for cash-back. To do this, simply select Cash-back from the main search bar at the top of the screen. You will then be able to see choose how many points you’d like to redeem for cash-back at a value of 1 cent per point .

You can choose to have your cash direct deposited into a checking or savings account or as a statement credit. The deposit or statement credit will be posted within 3 days.

Bottom Line: Your Chase Ultimate Rewards points are worth 1 cent each when redeemed as cash-back. We do not recommend this as a primary redemption option because you can get more value via the Chase Travel portal, and a lot more when transferring to airline and hotel partners.

This is a really cool section of the Chase Travel portal. When you click on Experiences in the main search bar, you’ll see a list of exclusive events, preferred seating, and other offers for select Chase cardmembers.

Experiences can be purchased with a credit card or with points. You will get 1 cent per point in value when redeeming points for experiences. Some experiences are only available to cardholders of specific cards so be sure to check all of your cards if you have more than 1 to make sure you don’t miss anything.

If you prefer gift cards, you can purchase them through the Chase Travel portal using points. Just click Gift Cards in the main search bar to get started. From here, you will be able to scroll through all of the available gift cards. You’ll get 1 cent per point in value, with occasional sales offering better redemption rates.

Hot Tip: Points redeemed for gift cards have a 1-cent per point value. However, you might notice some cards offer discounts, so there is the opportunity to get a bit more value!

Another way to use your Ultimate Rewards points is through the Pay Yourself Back feature. This allows you to redeem your points for a statement credit for purchases in select categories. The current categories include groceries, dining, select charities, credit card annual fee, internet, cable, phone, and shipping and the redemption value varies by card.

Transferring points to travel partners is the best way to get the most value out of your points . By transferring, you can potentially get 2, 3, or more cents per point value.

Chase Airline Transfer Partners

Chase Hotel Transfer Partners

To transfer your Chase Ultimate Rewards points to any of the above airline and hotel partners, log on to your account and click on Transfer To Travel Partners in the top search box. Choose your airline or hotel and then select Transfer Points . You’ll need to fill out your frequent flyer information or hotel loyalty membership number to complete the transfer.

Bottom Line: You can currently transfer your Chase Ultimate Rewards points to 14 different hotel and airline partners.

There are many ways to use your Chase Ultimate Rewards points. While transferring points to one of Chase’s airline and hotel travel partners can get you maximum value, there are a lot of benefits for booking travel directly through the Chase Travel portal .

In addition to hotels and flights, you can book car rentals, activities, and cruises. Or, you can use your points for cash back, shopping, gift cards, or Chase exclusive experiences. With so many ways to use your Chase Ultimate Rewards points, your next trip is only a few clicks away!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Do chase ultimate rewards points expire.

No. As long as you keep your Chase credit card open, your points will not expire.

Can I transfer my Chase points to someone else?

Yes. You can transfer your points to another member of your household who also has a Chase Ultimate Rewards account.

What are Chase Ultimate Rewards points worth?

When redeeming points through the Chase travel portal, the credit card you hold will determine your points’ value.

When redeeming for travel, your points have the following value:

• 1 cent : Freedom card, Freedom Flex card, Freedom Unlimited card, Ink Business Cash card, Ink Business Premier card, Ink Business Unlimited card
• 1.25 cents : Chase Sapphire Preferred card or Ink Business Preferred card
• 1.5 cents : Chase Sapphire Reserve card

When using your points to shop through Amazon or Chase Pay, they are worth 0.8 cents per point.

When redeeming your points for cash back, gift cards, or experiences they are worth 1 cent per point.

What airline partners can I transfer my Chase Ultimate Rewards points to?

Chase airline partners include Air Canada, Air France-KLM, British Airways, Iberia, Aer Lingus, Emirates, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines, and Virgin Atlantic.

What hotel partners can I transfer my Chase Ultimate Rewards Points to?

You can transfer your Chase Ultimate Rewards points to the following hotels at a 1:1 ratio: IHG, Marriott, and Hyatt.

Was this page helpful?

About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

• Credit Cards
• All Credit Cards
• Find the Credit Card for You
• Best Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Credit Card Sign-Up Bonuses
• Best Credit Cards to Build Credit
• Best Credit Cards for Online Shopping
• Find the Best Personal Loan for You
• Best Personal Loans
• Best Debt Consolidation Loans
• Best Loans to Refinance Credit Card Debt
• Best Loans with Fast Funding
• Best Small Personal Loans
• Best Large Personal Loans
• Best Personal Loans to Apply Online
• Best Student Loan Refinance
• Best Car Loans
• All Banking
• Find the Savings Account for You
• Best High Yield Savings Accounts
• Best Big Bank Savings Accounts
• Best Big Bank Checking Accounts
• Best No Fee Checking Accounts
• No Overdraft Fee Checking Accounts
• Best Checking Account Bonuses
• Best Money Market Accounts
• Best Credit Unions
• All Mortgages
• Best Mortgages
• Best Mortgages for Small Down Payment
• Best Mortgages for No Down Payment
• Best Mortgages for Average Credit Score
• Best Mortgages No Origination Fee
• Adjustable Rate Mortgages
• Affording a Mortgage
• All Insurance
• Best Life Insurance
• Best Life Insurance for Seniors
• Best Homeowners Insurance
• Best Renters Insurance
• Best Car Insurance
• Best Pet Insurance
• Best Boat Insurance
• Best Motorcycle Insurance
• Travel Insurance
• Event Ticket Insurance
• Small Business
• All Small Business
• Best Small Business Savings Accounts
• Best Small Business Checking Accounts
• Best Credit Cards for Small Business
• Best Small Business Loans
• Best Tax Software for Small Business
• Personal Finance
• All Personal Finance
• Best Budgeting Apps
• Best Expense Tracker Apps
• Best Money Transfer Apps
• Best Resale Apps and Sites
• Buy Now Pay Later (BNPL) Apps
• Best Debt Relief
• Credit Monitoring
• All Credit Monitoring
• Best Credit Monitoring Services
• Best Identity Theft Protection
• How to Boost Your Credit Score
• Best Credit Repair Companies
• Filing For Free
• Best Tax Software
• Best Tax Software for Small Businesses
• Tax Refunds
• Tax Brackets
• Taxes By State
• Tax Payment Plans
• Help for Low Credit Scores
• All Help for Low Credit Scores
• Best Credit Cards for Bad Credit
• Best Personal Loans for Bad Credit
• Best Debt Consolidation Loans for Bad Credit
• Personal Loans if You Don't Have Credit
• Best Credit Cards for Building Credit
• Personal Loans for 580 Credit Score Lower
• Personal Loans for 670 Credit Score or Lower
• Best Mortgages for Bad Credit
• Best Hardship Loans
• All Investing
• Best IRA Accounts
• Best Roth IRA Accounts
• Best Investing Apps
• Best Free Stock Trading Platforms
• Best Robo-Advisors
• Index Funds
• Mutual Funds
• Home & Kitchen
• Gift Guides
• Deals & Sales
• Best of Wellness Awards 2024
• Sign up for the CNBC Select Newsletter
• Subscribe to CNBC PRO
• Privacy Policy
• Your Privacy Choices
• Terms Of Service
• CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

Find the best credit card for you

How to use the chase travel portal, you can use chase points to book flights, hotels, car rentals and more through its travel portal..

With the right amount of planning, it's possible to book your entire vacation, including flights , hotels , cruises , car rentals , tours and other activities, entirely on points through the Chase travel portal.

But are you getting the best deal by doing this instead of transferring Chase Ultimate Rewards® points to travel partners and booking directly? It turns out there's a lot more to consider — everything from travel date flexibility and brand variety to the credit card you're using — if you want to get more value for your points by booking through Chase Travel SM .

Below, CNBC Select breaks down the best ways to book flights, hotels, cruises, tours and vacation activities through the Chase travel portal with Ultimate Rewards® points.

How to use the Chase travel portal

• How to earn and redeem Chase Ultimate Rewards points

How to get started with the Chase travel portal

How to book flights through the chase travel portal, how to book rental cars, cruises, and other travel activities, bottom line, how to earn and redeem chase ultimate rewards® points.

To access Chase Travel SM , you'll need to have a credit card that earns Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , Ink Business Preferred® Credit Card , Ink Business Unlimited® Credit Card , Ink Business Cash® Credit Card , Chase Freedom Unlimited® or Chase Freedom Flex℠ .

The easiest way to earn Chase Ultimate Rewards points quickly is by taking advantage of the lucrative welcome bonuses offered by certain rewards cards: 

• You'll earn 60,000 points by signing up for the Chase Sapphire Preferred and spending $4,000 within the first three months of opening your account.
• With the Ink Business Preferred Credit Card 's welcome bonus, you'll earn 100k bonus points after you spend $8,000 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 Travel SM.
• The Chase Sapphire Reserve 's welcome bonus gives you 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

The card you're using to redeem UR points will also affect your point redemption value . For instance, if you're using the Chase Sapphire Preferred to book through the Chase Travel SM portal, points are worth 25% more (1.25 cents per point). But if you're booking through Chase Travel℠ with the Chase Sapphire Reserve , points are worth 50% more (1.5 cents per point) — the other $0 annual fee Chase cards each carry a redemption rate of 1 cent per point.

That means the bonus points you'd earn from either the Chase Sapphire Preferred's welcome bonus is worth $750 towards travel and the Chase Sapphire Reserve's is worth $900 towards travel.

Chase Sapphire Preferred® Card

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, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

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 Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

Ink Business Preferred® Credit Card

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

21.24% - 26.24% variable

Good/Excellent

Read our Ink Business Preferred® Credit Card review.

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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 plus, 10X points on Lyft rides through March 2025

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 Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

To reach the Chase travel portal, log into your Chase account, then click the area near the right side of the screen where it says the amount of your Chase UR points. Depending on how many Chase credit cards you have, you may be asked to choose which one you want to proceed with.

The next screen is your credit card's main dashboard, showing how many UR points you currently have, as well as any deals or bonus opportunities. On the top of the page, you'll see several menus with redemption options.

While not the best redemption in terms of overall value, you could choose to use your Chase points for Apple and Amazon purchases, cash them in for gift cards and experiences, or reimburse yourself for certain recent charges through Chase's Pay Yourself Back tool . This is also where you can transfer points directly to one of Chase's 14 travel partners if you have a specific flight or hotel in mind. Otherwise, click "book travel" to enter the Chase travel portal.

From here, you'll be able to search for flights, hotels, rental cars, activities and cruises. Simply choose your category, plug in your desired dates and details, and book with points, cash or some combination of the two.

There are a few pros and cons to consider when booking flights through the Chase travel portal. You won't have to worry about blackout dates or limited award availability, which makes it great if you're not flexible with dates and flight times. Just make sure you compare the number of points needed through the Chase travel portal with how many points the airline would require if you were using its own miles, especially if you're hunting for a good deal on economy seats.

The catch with using the Chase travel portal is you won't be able to shop for tickets on low-cost carriers like Spirit Airlines, Frontier Airlines, or Allegiant Air — you can search for flights on Alaska, Southwest, Delta, JetBlue, American, and United. You'll also be able to book flights on most international carriers.

Remember that you can still earn miles and elite credits on flights, as tickets booked through the Chase travel portal are categorized as "paid" rather than as an award flight since you're "paying" for them with points instead of cash. Consider the taxes and fees you might have to pay if you were to transfer the points straight to one of Chase's travel partners versus booking directly through the portal, and to calculate and compare how many points and miles you'd earn by booking with either method.

You'll be able to search, filter, and sort by price, airline, booking class, departure time, arrival time, and departure airport. For this example, below, consider a round-trip flight from Seattle to Austin with sample dates of Feb. 1–7, 2024, booked through the travel portal with a Chase Sapphire Preferred card (redemptions are worth 1.25 cents per point):

Results included 107 results with an economy mix-and-match United and Delta fare for $370 or about 29,600 points being the most affordable option. For comparison's sake, the points price is about the same as what United and Delta are currently charging if you were to book the awards directly through the airlines, but Delta isn't a transfer partner of Chase. You also won't earn miles if you were to book these awards through the airlines, whereas you will earn miles when booking through Chase.

To finish booking your flight through the travel portal, select your route(s), review the details, choose how many points you'd like to use and complete your purchase.

How to book hotels through the Chase travel portal

While the best redemption rates are usually realized when you transfer Chase Ultimate Rewards points at a 1:1 ratio to hotel partner World of Hyatt, if you're not a huge fan of chain hotels or prefer boutiques or brands like Hilton, Choice Hotels, or Wyndham, it can be a good idea to book them through the travel portal. 

As with flights, you won't have to worry about blackout dates or limited award night availability. However, keep in mind that hotels treat the Chase travel portal as a third-party booking agency, so you won't be able to earn hotel points on stays as you might by booking your stay directly with the hotel.

Hyatt hotels usually offer better deals when you book directly, and since it's one of Chase's hotel partners, you can transfer UR points instantly at a 1:1 ratio. Marriott and IHG are usually more varied, so you may score a better deal by booking via the Chase travel portal instead of transferring points over. For this reason, it's a good idea to ring up how much your hotel stay would cost in points through the portal as well as the hotel's website.

Start by searching by destination so you can see a list of all the available hotels. For this example, let's try looking for hotels in Downtown Austin from Feb. 1–7, 2024. Once the results appear, you'll be able to narrow down your search with filters based on price, star ratings, guest ratings, amenities and neighborhood.

Let's go over a couple of options within the Chase travel portal, each booked with a Chase Sapphire Preferred credit card. One option is the Four Seasons Hotel Austin, which is listed for $556 or about 44,500 points per night through Chase. If you book through Four Seasons, directly, you'll pay $561 per night. The hotel chain also doesn't have a rewards program but going through Chase provides a way to pay with points.

Another example is the Hyatt Place Austin Downtown for $288 or about 23,000 points per night through Chase. If you were to book this directly through Hyatt, you'd pay $279 per night as a member of its loyalty program or just 15,000 World of Hyatt points per night if you booked with points. Since you can transfer your Ultimate Rewards points to Hyatt at a 1:1 ratio, in this case, transferring would make more sense.

As you can see, it's worth comparing points required by the travel portal and each hotel's website, as the time of year, location, and other factors may play a part in pricing. To book your stay through the travel portal, select your room type, review the details, choose how many points you'd like to use and complete your purchase.

It's a pretty similar process if you want to book rental cars, tours and other travel activities through the Chase travel portal. Cruises can also be booked as well, but you'll need to call.

As far as car rentals, make sure you're booking through the travel portal with points that are connected to Chase Sapphire Preferred or Chase Sapphire Reserve to take advantage of extra perks like primary rental car insurance — you'll also need to decline the rental car company's auto collision damage waiver when you book to activate this. You'll want to charge at least a few dollars to the card and not use points to cover the entire booking which ensures that you're still "paying" for the car rental with your Sapphire card, which means you'll be entitled to the card's rental car insurance.

Beyond that, simply plug in your itinerary and search. Here's an example for a rental in Austin from February 1–7, 2024, booked with a Chase Sapphire Preferred credit card:

You'll be able to filter your search by capacity, car type, price per day, company, and car options (like air conditioning and automatic transmission). For a seven-day rental, it would cost around 24,800 points or $310 for the cheapest option. As with other travel portal purchases, you'll be able to enter how many Chase Ultimate Rewards points you wish to put toward the final price. It works the same way for booking tours and other travel activities, so you could potentially enjoy a free — or nearly free — vacation solely on Chase points if you were to plan it all out properly.

Booking through the Chase travel portal can be a great use of your Ultimate Rewards® points, but make sure to compare the rates against booking directly with an airline or hotel itself. Finally, consider transferring your points to one of Chase's travel partners, especially if you're looking to book a luxury hotel or flight in business class.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card guide is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• What to do if your homeowners insurance claim is denied Liz Knueven
• Best car insurance companies in Illinois based on price, customer service and coverage Liz Knueven
• Does car insurance cover hail damage? Liz Knueven

How to use the Chase Ultimate Rewards travel portal

Advertiser disclosure.

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

• Share this article on Facebook Facebook
• Share this article on Twitter Twitter
• Share this article on LinkedIn Linkedin
• Share this article via email Email

• • Rewards credit cards
• • Travel credit cards

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:

• Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
• Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
• Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.

At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Key takeaways

• If you have a Chase credit card that earns cash back or travel points, you can use your rewards to book airfare, hotel stays, car rentals, cruises and more through the Chase Ultimate Rewards travel portal.
• Where most travel bookings through Chase offer 1 cent per point in value, premium Chase travel credit cards let you get 25 percent or 50 percent more value for your rewards.
• The Chase travel portal lets you book travel with points, cash or a combination of the two. You can even earn bonus cash back or points when you book paid travel through Chase.

Most credit card rewards programs let you redeem your points or cash back in several different ways, and this is definitely the case with Chase Ultimate Rewards . These points are some of the most dynamic and versatile among all rewards programs available today, mostly because you can redeem them for cash back, statement credits, gift cards, merchandise and travel through Chase.

Some premium travel credit cards from Chase even let you get 25 percent to 50 percent more value for points when you redeem for travel through Chase, and the same selection of cards allow 1:1 point transfers to Chase airline and hotel partners.

If you’re interested in booking travel directly with your rewards, however, you should know that this is an option for their travel credit cards as well as cash back credit cards associated with the brand. All rewards cards offered through the bank let users book travel the exact same way — through the Chase Ultimate Rewards travel portal.

To use the Chase Ultimate Rewards travel portal, you need to have a Chase credit card and an online account with Chase.com. Once you log in to your account, you only need to click on the side of the page where your rewards points are displayed to access the Chase Ultimate Rewards booking portal.

Once you click on your rewards total to get to the Chase Ultimate Rewards portal, you’ll be asked which one of your Chase card accounts you want to access. This part is important since some Chase credit cards offer more value when you redeem points for travel through Chase.

Specifically, the Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card offer 25 percent more value when you redeem points for travel through Chase, whereas the Chase Sapphire Reserve® offers 50 percent more value.

Once you are logged in to your rewards account, you can see all the different ways you can redeem your points or cash back. Your options will vary depending on the Chase credit card you have, but they can include:

• Pay with points options
• Chase Pay Yourself Back
• Transfers to travel partners
• Experiences

To book travel through the Chase travel portal, you’ll click on the option that says “Travel.”

At this point, you’ll be shown all the different ways you can use your points directly for travel through Chase. These can include airfare, hotels, car rentals, experiences, cruises and more.

Using Chase Ultimate Rewards travel is a lot like booking travel through any other site given you search for the travel you want, compare prices and options and proceed by making a booking based on whatever you decide. The difference is, you can pay for airfare, hotels and other travel with Chase points, cash or a combination of cash and points.

The fact Chase lets you book with a combination of cash and points makes it really easy to use up small amounts of points you have on your card, especially since there are no minimums to redeem this way.

Who can access the portal

To access the Chase Ultimate Rewards travel portal, you need to have a credit card that earns rewards with the card issuer. This means co-branded airline and hotel credit cards offered through Chase will not work, and you’ll need a Chase credit card that earns cash back or travel rewards instead.

Credit cards that give you access to the Chase travel portal include:

• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®
• Chase Freedom Unlimited® *
• Chase Freedom Flex℠ *
• Ink Business Preferred® Credit Card
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

Benefits of booking through Chase Ultimate Rewards

While many experts believe you should always transfer points to airlines and hotels before booking travel with rewards, there are plenty of reasons to use the Chase Ultimate Rewards travel portal instead — at least part of the time. Here are some of the benefits you can get for doing so.

Earn a ton of rewards when you book paid travel through Chase

While the Chase Ultimate Rewards travel portal lets you redeem points or cash back for travel through Chase, you can also pay for travel through the portal and earn more rewards when you do. The fact is, all Chase credit cards offer a minimum of 5 percent back or 5X points on travel booked through Chase Ultimate Rewards, and the Chase Sapphire Reserve offers 10X points on hotels and car rental bookings made through Chase.

You can still earn airline miles

Also note that you’ll still earn airline miles for flights you book through the Chase portal, and that’s true whether you pay with Chase points, cash or a combination of the two. In order to double dip and earn airline miles, you just need to add your frequent flyer number to your booking with the airline after you pay.

Get 25% to 50% more value when redeeming your points

As we mentioned already, some Chase credit cards offer more than 1 cent per point in value when you use rewards to book travel through Chase. Where the Chase Sapphire Preferred and Ink Business Preferred offer 25 percent more value when you redeem points for travel through Chase, the Chase Sapphire Reserve offers 50 percent more value.

Ultimately, this means you get 1.25 cents per point for travel with the Chase Sapphire Preferred and Ink Business Preferred, and 1.5 cents per point for travel with the Chase Sapphire Reserve.

Book any travel you want

Booking through the Chase travel portal also lets you avoid dealing with complex loyalty programs and limited award availability often found with hotel and airline programs. When you book travel through Chase, you get to pick from any hotel brand, airline, car rental company or travel provider that’s available for your destination and dates.

Combine your Chase points in one account

Also note that Chase lets you pool rewards from multiple cards into one account for premium travel redemptions. For example, you can earn cash back with a card like the Chase Freedom Unlimited, use a business card like the Ink Business Preferred for all your business spending and utilize the Chase Sapphire Preferred for all your travel, dining and online grocery purchases. From there, you can combine all your points into your Chase Sapphire Preferred account to get 25 percent more value when booking travel through Chase, or for 1:1 point transfers to Chase airline and hotel partners .

Is the Chase Ultimate Rewards travel portal worth using?

The Chase Ultimate Rewards travel portal is definitely worth using in a wide range of scenarios, and that’s true if you also transfer points to airlines and hotels part of the time. The fact is, the Chase portal gives you another way to book the travel you want if you cannot find award availability with an airline or hotel program, want to book travel you don’t have other points for or if you need extra flexibility due to where you’re traveling or when.

Also note that you can use Chase points to book other types of travel you can’t book with airline miles or hotel loyalty points. For example, you can use the Chase Ultimate Rewards travel portal to book airport transfers in your destination or to book snorkeling tours, guided museum tours and other excursions through the portal’s “activities” tab.

That said, there are certainly situations where the Chase travel portal is not the best deal, or when you’ll be a lot better off paying cash for travel directly or transferring points to airline and hotel partners. At the end of the day, the Chase travel portal is just one tool you can use to maximize your rewards and your travel budget.

The bottom line

Now that you know how the Chase Ultimate Rewards travel portal works, you should spend some time getting acquainted with all the ways you can use your points. The fact is, Chase lets you book airfare, hotels, rental cars, cruises, activities and more using points, cash or both, giving you a lot more flexibility when it comes to using your rewards.

Bankrate’s travel toolkit can help you learn more about Chase Ultimate Rewards points and other travel programs, so consider continuing your research there.

*The information about the Chase Freedom Unlimited and Chase Freedom Flex has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Related Articles

Chase Ultimate Rewards guide

Chase Freedom Unlimited benefits guide

Chase Ultimate Rewards travel portal review: A messy trip, but not their fault

Chase Sapphire Reserve: How to get 50% off travel through the Chase portal

• What is the Chase Travel Portal?

Benefits of Using the Chase Travel Portal

Chase ultimate rewards credit cards.

• Points Value
• How to Use the Portal to Book Travel

Chase Travel: Explore Destinations and Savings with Chase Ultimate Rewards

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠, Chase Freedom® Student credit card. The details for these products have not been reviewed or provided by the issuer.

• The Chase Travel℠ portal works just like an online travel agency.
• You can use points, cash, or a combination of both to book flights, hotels, rental cars, and more. 
• Several Chase cards offer better redemption values or bonus points when you book through the portal.

The Chase Travel Portal℠ is an online booking platform for flights, hotels, rental cars, cruises, activities, and vacation rentals, similar to an Online Travel Agency (OTA). If you're a Chase Ultimate Rewards® cardholder, you can use points to book travel through the portal — or pay with your card or a combination of points and cash.

Chase Ultimate Rewards is one of the most flexible and lucrative credit card rewards programs, and its benefits can be even greater depending on the Chase cards you have. With a no-annual-fee card like the Chase Freedom Flex℠ or Chase Freedom Unlimited® , your points are worth 1 cent each toward travel booked through the portal.

But if you have a Chase travel credit card like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , or Ink Business Preferred® Credit Card , you'll get 25% to 50% more value when you redeem your points for travel, plus the ability to transfer your points to Chase airline and hotel partners . 

Some Chase cards also offer bonus points for paid bookings you make through the portal. Chase added lucrative new bonus categories to the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, including certain types of travel booked through the portal.

Here's everything you need to know about booking airfare, hotels, and more through the Chase travel portal — and how to make the most of your Chase Ultimate Rewards points.

What Is the Chase Travel Portal?

The Chase Travel portal works like any other Online Travel Agency (such as Travelocity or Priceline), and the searches you do for hotels, airfare, and more will produce similar results to what you see on that OTA. 

You must be a Chase credit card customer to use Chase travel to book with cash or with points. In fact, you'll only access the Chase Travel portal when you log into your account management page with Chase.

Chase travel lets you book travel directly with Chase Ultimate Rewards points, use your credit card to pay, or combine the two. This is one of the main benefits of using Chase travel — you can spend the rewards points you earn directly on the travel you want without having to worry about dealing with specific hotel or airline loyalty programs. 

There are a few other key benefits to know:

• You'll still earn airline miles and work toward elite airline status: You won't earn points or elite night credits when you book a hotel stay with Chase travel because it's considered a third-party booking. However, you can earn airline and elite-qualifying miles on flights you book as long as your frequent flyer number is attached to the reservation. 
• Your points are worth more with certain Chase credit cards: Also be aware that some Chase credit cards give you more than the standard rate of 1 cent per point when you redeem your rewards for travel through Chase. We'll go into more detail on the cards that offer this perk below.
• The Chase Travel portal is easy to use: If you don't want to deal with a bunch of hotel and airline award charts, booking through Chase travel can help keep your rewards game simple. You'll always be able to use your points for any booking you want without having to worry about blackout dates or capacity controls you would normally encounter with loyalty programs.

To be eligible to use the Chase Travel portal, you'll need a Chase credit card that earns Chase Ultimate Rewards points . 

No-annual-fee Chase cards open to new applicants (points are worth 1 cent each through the Chase Travel portal):

• Chase Freedom Unlimited® (read our Chase Freedom Unlimited review )
• Chase Freedom Flex℠ (read our Chase Freedom Flex review )
• Chase Freedom® Student credit card (read our Chase Freedom Student review )
• Ink Business Unlimited® Credit Card (read our Chase Ink Business Unlimited review )
• Ink Business Cash® Credit Card (read our Chase Ink Business Cash review )

Chase travel rewards cards open to new applicants (points are worth more with Chase travel, plus these cards allow you to transfer points to airline and hotel partners):

• Chase Sapphire Reserve® (read our Chase Sapphire Reserve review )
• Chase Sapphire Preferred® Card (read our Chase Sapphire Preferred review )
• Ink Business Preferred® Credit Card (read our Chase Ink Business Preferred review )

If you have more than one Chase card, you can transfer your Chase Ultimate Rewards points between accounts. It makes the most sense to pool your points in the account that gives you the best redemption value — for example, if you pair the Chase Freedom Unlimited® and Chase Sapphire Reserve®, moving all of your Chase Ultimate Rewards to your Sapphire Reserve account will increase the value of your points when you redeem through the Chase Travel portal.

To pool your points onto one card, log into your Chase online account, navigate to the "Redeem" section for your Chase Ultimate Rewards card, then select the option to combine points in the "Earn/Use" tab:

From there, you can move your Chase points between accounts in any increments you want. 

Points Value in the Chase Travel Portal

Some Chase credit cards give you a bonus when you redeem points through the Chase Travel portal. Here's a summary of how much your points are worth with each Chase card:

It's important to note that Chase Ultimate Rewards points are worth, on average, 1.8 cents apiece based on Personal Finance Insider's points and miles valuations . That's because it's possible to get outsized value when you transfer points to partners for award travel.

How to Use the Chase Travel Portal

Using the Chase Travel portal is a breeze, but it all starts with logging into your online account management page. From there, you'll click on the right side of your screen where it shows your Chase Ultimate Rewards account balance. 

Once you click on the account balance, you'll have the option to select the card you want to access. And remember, this step can be important because some cards give you more value from your points when you redeem them for travel.

How to book a flight through Chase travel

Once you are logged into your Chase Ultimate Rewards account, you'll see different travel options to search for at the top of the page.

To search for a flight, make sure the prompt is on "Flights" and begin searching for the flight you want. Enter your departure airport, destination, travel dates, and the number of passengers.

Once your flight options pop up on the screen, you can filter your results by the number of stops, the airlines you want to fly, and arrival times.

Note that each of your flight options will include a payment amount in points as well as a cash price. 

You can also click on "Details and baggage fees" in order to find out the cost of carry-on luggage or checked baggage, as well as whether your flight charges any change fees.

When you click to "Select" a flight option, you'll get a rundown of what is and isn't included in the fare you selected. You may also get a note that you can upgrade before you check out.

Once you settle on a flight you want, you'll be taken to the "Trip Details" page that shows the final cost of your flight in points or in cash, as well as a summary of the added costs you may be charged for baggage or change fees.

After you agree to the terms, you'll be taken to a final payment page where you can decide how you want to pay. You have the option to cover your flight entirely in points if you want, but you can also choose to pay with your Chase credit card or with a combination of points and your credit card.

During the booking process, make sure to add your frequent flyer number to your reservation. That way, you can earn miles on your booking and your flight will count toward elite status requirements. You'll also want to add your Known Traveler Number or Redress number if either applies to you.

If you forget to do it during your booking, however, you can add your frequent flyer information to your flight later on using the airline's website.

How to book a hotel through Chase travel

Booking a hotel through Chase is similarly easy, and you'll find a lot of different types of lodging options available. For example, you'll find properties from major hotel brands, but you'll also find rental condo options and boutique hotels.

To search for a hotel,  enter the destination, dates, and the number of people you want to have in your room. Once you're presented with your options, you can filter hotels based on the hotel name you're looking for, the area or neighborhood, price point, guest rating, property type, and more. 

Once again, you'll see a price listed in points as well as a cash price per night.

These prices do not include taxes and fees, however, so your price in points or cash will be higher by the time you get to the final booking page. Also be aware that the price listed is the lowest you can get for the property, but that better or upgraded rooms and suites will cost more in points.

The major downside to booking a hotel through the Chase portal is that you won't earn hotel points or elite night credits for your stay, because it's considered a third-party booking. There's also a risk that the property won't recognize your hotel elite status or give you the perks you'd normally be entitled to, like late checkout or free breakfast . This shouldn't be an issue if you're booking an independent or boutique hotel, but if you're looking for hotel points or status, it's something to be aware of.

You'll have the option to select a hotel you want as well as a room type at the property you're considering. You can also pay with your booking with points, your Chase credit card, or a combination of the two. 

How to book a rental car through Chase travel

You can also book a rental car through Chase travel using the same set of steps. Once you log into your Chase Ultimate Rewards account, click on "Cars" and then select the destination and dates.

Once you are presented with your search results, you can select the types of cars you prefer, like an economy car or an SUV. You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer (manual or automatic), as well as the total area you want to search in. 

Note that, once again, taxes and fees are not included on the initial search page. Instead, they are added to your total cost when you select a rental car. You can also pay for a rental car through Chase with points, your credit card, or a combination of the two.

How to book activities with the Chase Travel portal

Chase also lets you book a variety of activities through the portal, which they refer to as "Things to Do." Chase activities can include excursions like snorkeling or scuba diving, as well as tours of museums and historic sites. But you can also book more practical options through their activities tab, including airport pickups and other types of transportation.

To search for activities, enter the destination and dates for your trip. You'll be shown a price in points and in cash that does include taxes and fees. You can also filter options based on the type of activity, your interests, and more. Once again, you have the option to pay for activities with your points, your credit card, or a combination of the two.

How to book a cruise through Chase travel

If you're a cruise enthusiast, you should know you can also book cruises through Chase travel. When you select "Cruises" at the top of the Chase Ultimate Rewards search page, you'll be presented with a list of featured cruises and cruise specials.

You can also search for cruises based on the destination or the name of the cruise line. Note, however, that only cash prices are listed for each cruise on the portal, and that you'll have to call Chase to make a booking.

Either way, you can absolutely use your Chase points to pay for all or part of your cruise. Just have your credit card number handy and call their customer service line at 855-234-2542.

How to book a vacation rental through Chase

Chase also offers a selection of vacation rentals, which can include vacation condos, luxury villas, and more. To search, click on "Vacation Rentals" at the top of the main page, then enter your destination, dates, and the number of people in your party.

Once you start your search, you'll have the option to filter results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more. Like hotels through Chase, the price you are shown excludes taxes and fees, but they will be added to your total once you make a selection.

Also be aware that the price shown in your search results is for the lowest-tier option for each property, and that a larger rental or upgraded rental may cost more in points.

When you book vacation rentals through Chase, you can pay with points, your Chase card, or a combination of the two. 

Use the Chase Travel portal to book Luxury Hotel & Resort Collection properties

If you have the Chase Sapphire Reserve®, you can book properties within the Luxury Hotel & Resort Collection. This list of more than 1,000 properties can be reserved ahead of time, and you'll get extra benefits with each stay such as:

• Daily breakfast for two
• A special benefit worth up to $100
• Complimentary internet access
• Room upgrades when available
• Early check-in and late checkout

One detail to note with this program is the fact that you cannot pay with points. Instead, your online booking will reserve your room, and you'll be charged for the stay when you check out from the hotel. 

Should you transfer Chase points instead?

While you can book travel through the Chase Travel portal directly, many people prefer to transfer points to Chase airline and hotel partners instead. Doing so could let you get more value for each point you redeem , but you'll have to run the numbers to find out for sure.

Here's a good example of how transferring points to a Chase airline or hotel partner can be a better deal, as well as the math you'll need to do to figure this out on your own. Take this one-way flight on Air France from Chicago to Paris, for example, and assume you have the Chase Sapphire Reserve® card, so you're getting 50% more value when you redeem points through the Chase Travel portal.

If you were to book this flight through Chase Travel, you would owe 39,607 points with the Chase Sapphire Reserve®, compared with the cash price of $594.10.

However, you could book an award ticket on the exact same flight through Flying Blue (Air France's loyalty program) directly if you transferred your Chase points there first. In this case, the identical flight would set you back 22,000 miles plus $109.44. This means you would transfer 22,000 miles from Chase to your Flying Blue account, and pay the taxes and fees in cash, or by redeeming points for a statement credit to your account.

When you compare, you'll find that booking with miles directly is a better deal. After you subtract the taxes and fees from the cost of booking through Flying Blue, you wind up with a value of around 2.2 cents per mile.

With the Chase Travel portal, on the other hand, you're forking over 39,607 points for the same flight, and you're getting a value of 1.5 cents for each point if you have the Chase Sapphire Reserve®. 

Accessing Chase Travel is simple. If you're a Chase credit cardholder with Chase Ultimate Rewards points, you can log in to your Chase online account. Once logged in, navigate to the 'Travel" or "Rewards" section, where you'll find the Chase Travel portal. From there, you can search and book flights, hotels, and other travel services using your earned points or card benefits. It's a convenient way to plan and manage your travel adventures.

Chase Travel refers to the travel booking and rewards platform offered by Chase Bank. It's part of the Chase Ultimate Rewards program, allowing cardholders to use their earned points to book flights, hotels, car rentals, and other travel-related expenses. Chase Travel provides a convenient way to plan and book your trips while taking advantage of the rewards and benefits associated with Chase credit cards.

To earn 5% on Chase Travel, consider using a Chase credit card that offers bonus rewards on travel purchases. Cards like the Chase Sapphire Preferred or Chase Sapphire Reserve often offer 5 points per dollar spent on travel booked through the Chase Travel portal. Additionally, taking advantage of limited-time promotions and special offers can also help you maximize your rewards when booking travel with Chase.

Bottom Line

Keep in mind that, no matter which Chase credit card you have, there are other ways you can use your rewards points. You can redeem Chase points for statement credits or cash back, or cash them in for gift cards or merchandise. And if you have a premier Chase travel credit card, you can transfer your points to Chase airline and hotel partners at a 1:1 ratio.

However, booking travel through Chase can make your life considerably easier — especially if you don't like dealing with complicated hotel and airline programs. You may not get as much value from your points as you would if you booked a premium flight with airline miles, but the Chase Travel portal does offer the flexibility to book the flight you want without any blackout dates or hoops to jump through.

The Chase Travel portal offers yet another way to maximize rewards earned with a Chase credit card. Just make sure to consider all your options and the value you're getting for your points before you pull the trigger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

How to Redeem Ultimate Rewards® Points from Chase

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Steps to redeem Chase Ultimate Rewards® for travel

Other ways to redeem ultimate rewards® points, final thoughts on redeeming chase rewards.

You’ve banked the big welcome bonus and now you’re ready to get maximum value from your Ultimate Rewards® balance. If this is your first foray into the Chase Ultimate Rewards® program , you may wonder, “How do I even redeem points?”

We’ve got you covered with a step-by-step tutorial on how to redeem Ultimate Rewards® points from Chase.

It shouldn't take more than a few minutes to master redeeming Chase points. Shopping for a wise redemption may be the most time consuming part of the process!

Here's what to do:

Log in to your Chase account.

On the right sidebar, look for the Ultimate Rewards® box and click “Redeem rewards."

If you have multiple Chase cards, you’ll be prompted to choose which card's points you'd like to redeem.

Once you're redirected to your Ultimate Rewards® dashboard, you can choose how you want to redeem your points.

» Learn more: Chase Ultimate Rewards®: How to earn and use them

Gift cards and miscellaneous purchases

In addition to travel redemptions, Chase allows you to use Ultimate Rewards® points for gift cards, purchases at Amazon and Apple, cash-back credits, experiences (e.g., concerts and events) and gift cards.

All of these other options allow you to redeem points for around 1 cent each, except for Amazon, which offers around 0.8 cent per point. That’s not as good of a deal as using points for travel bookings or transferring them to partner airlines and hotels. This is especially true for gift cards, which you can often buy at substantial discounts through retails. In general, we wouldn’t advise redeeming your Ultimate Rewards® for gift cards when they can be so much for valuable for travel.

If you find yourself wanting to redeem your points for cash-back rewards or purchases with Amazon or Apple, you may want to consider switching to a 2% cash-back card like the Citi Double Cash® Card . This card earns 2% on all purchases, 1% when you buy something and 1% when you pay it off. If you like to redeem points this way, you’ll get a better value with this card than you would with a similar Ultimate Rewards® redemption.

Transfers to airline or hotel partners

If you want to maximize the value of your Chase Ultimate Rewards®, redeem them via a transfer to a specific airline or hotel partner. This maximized value can be particularly realized when redeeming points for high-end hotel stays or business and first class award flights. Because of this out-sized value, many deem transfers as the best way to redeem Chase points.

Chase has more than a dozen travel partners to choose from. If this is how you want to redeem your points, here’s how to transfer Ultimate Rewards® to airline and hotel partners:

Click on “Transfer to travel partners” in Chase's travel portal dashboard.

You’ll see one last confirmation page before the transaction is complete. Once points have been transferred, this cannot be undone. So only transfer Ultimate Rewards® points when you’re 100% sure of your intent to use them with that partner.

Pro tip: Cross reference prices on Chase before transferring

With frequent flyer programs implementing dynamic pricing and hotel loyalty programs like Marriott introducing peak/off-peak pricing , redeeming points can get expensive. Sometimes, you can get better deals using your Ultimate Rewards® points for direct travel bookings.

If you have a Chase Sapphire Preferred® Card , your points will be worth 2.2 cents each. Chase Sapphire Reserve® cardholders get 2.2 cents of value out of each point.

» Learn more: Chase 5/24 rule explained

It’s always worth checking the Chase's travel portal before transferring points to a loyalty program.

Here’s how you can use your Ultimate Rewards® points for direct travel bookings:

In the example above, I searched for a round-trip flight between San Francisco and Los Angeles in October. The flight prices out at a reasonable $106.60, or 8,528 points.

The same ticket requires 13,000 miles and $11.20 when booked through United MileagePlus . Clearly, checking redemption rates on direct travel bookings can be worth the effort.

The great thing about booking travel through Chase's portal is that your bookings are eligible to earn points through the respective airline programs. Just be sure to enter your rewards number during the booking process.

» Learn more: Chase Sapphire Reserve review: A first-class premium travel card

Many travel hackers have at least one credit card from Chase. Redeem points for travel, gift cards or other miscellaneous online shopping, or opt to transfer your points to an airline or hotel partner to maximize value. These redemptions can be made quickly from your Chase account.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 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.

$300 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!

1x-5x 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.

60,000 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 Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

10 ways to use points to book vacation home rentals

W hen traveling with your family or a large group of friends, vacationing "together" and not in separate hotel rooms using your points and miles can get a bit complicated. Luckily, there are vacation rental platforms aside from Airbnb and Vrbo that will let you use your hard-earned points and miles to book entire homes instead of paying cash.

Vacation home rentals have always been a great tool to have in your travel toolbox. At TPG, we've been curious about the best ways to use your points to book a vacation home rental because plunking down cash gets old in a hurry.

And just like choosing the best home rental for you takes some skill, figuring out the best way to redeem your points for a home rental isn't as simple as reading an award chart and hitting "book now" — but it absolutely can be done. Keep reading to find out the best ways to use your points to book vacation home rentals.

Redeem fixed-value points for vacation rentals

If you have a credit card that earns fixed-value points in your wallet, such as the Capital One Venture Rewards Credit Card , those are some of the best types of points to use to pay for vacation home rentals.

For example, the Capital One Venture Rewards Credit Card earns 2 miles per dollar on all purchases and allows you to redeem those points at 1 cent each toward travel. However, it may not be the best use of Capital One miles, as TPG values them at 1.85 cents apiece ; nevertheless, you can redeem those miles for travel . But be aware that while vrbo.com sometimes codes as travel, it doesn't always code as travel, depending on who owns and manages the property, so proceed with caution in that regard.

Related: 12 tips for choosing the perfect beach house rental

Another card that is great for stacking points for home rentals? The Bank of America® Premium Rewards® credit card . For TPG Director of Content Summer Hull , this card turned out to be a points powerhouse for home rentals and any other charge that didn't fall under any one particular umbrella.

It earns 1.5 points per dollar on non-bonus charges and 2 points per dollar on travel and dining. But it gets better if you bank with Bank of America, as your deposits with the bank can earn you up to a 75% bonus on points earned with this card via the bank's Preferred Rewards program .

Since I'm in that top tier for banking with Bank of America, it bumps up my earnings on everyday charges to about 2.63 points per dollar and on travel or dining to 3.5 points per dollar. This is now one of my go-to cards for everyday spending, and I'll be able to just cash the points out at 1 cent each to offset what I spend on a home or cabin rental — or anything else.

Use Marriott points with Homes & Villas

If you have Marriott Bonvoy points or a credit card that allows you to transfer your points to Marriott (as with American Express Membership Rewards or Chase Ultimate Rewards ), another avenue for redeeming points to book a vacation home rental lies with the Homes & Villas by Marriott program .

Related: Best Marriott credit cards

Your per-point redemption value may not be as great as some other uses, so do the math before redeeming. However, if you have Marriott points you aren't sure what to do with, it can be an easy way to lock in a fabulous home rental using your hotel points.

Just know that while you are booking via Marriott's program, your individual bookings will be turned over to property management companies that handle it from that point on.

Related: Best credit cards for home rentals

Use Wyndham points with Vacasa

At the beginning of 2021, Wyndham announced a partnership with Vacasa , a vacation rental management company. This partnership allows you to use your Wyndham Rewards points to book over 15,000 vacation rentals around North and Central America.

With Wyndham's fixed award chart — even on home rentals — it'll cost 15,000 Wyndham points per bedroom per night. That means a studio or one-bedroom costs 15,000 points per night, a two-bedroom costs 30,000 points per night, a three-bedroom costs 45,000 points per night and so on. This can actually be a much better value than using your points on a traditional hotel room, as some properties cost as much as 30,000 points per night — for just a studio hotel room.

Redeem: The ultimate guide to earning and redeeming Wyndham Rewards

The process, however, to book a vacation rental with your points is quite cumbersome. While you can search for homes and availability directly on the Vacasa website , you cannot confirm a reservation immediately, like you normally can with a regular hotel room. Instead, you need to call Wyndham at 800-441-1034, and the representative will ask you a bunch of questions, including your Wyndham Rewards number and your desired location.

If you already know the home rental you want to book, you can also give them the listing number straight from the Vacasa site. Having a home rental already in mind will definitely speed up the process.

Related: Redeeming Wyndham points with Vacasa is a great deal — with a catch

Unfortunately, due to blackout dates, there's no way to know whether or not a property is available to book with points in the reservation calendar, and you'll need to wait for the Wyndham representative to look up your specific dates.

TPG contributor Jennifer Yellin has booked different vacation homes at ski resorts in New England and is about 50-50 with properties being able to be booked with points (even though they are all available for a paid reservation).

Once you confirm a vacation rental and date that works, the representative will lock in your reservation with points and explain the cancellation policy. When using Wyndham Rewards points for a vacation rental, you'll typically have to cancel at least 30 days in advance. As long as you cancel within the window, all points will go straight back to the account they came from and there are no additional fees. However, if you cancel within the 30-day window, you'll forfeit all points redeemed.

Truthfully, if you are looking to redeem your hotel points for a vacation rental, this has the potential to be one of the best programs out there. Especially since you can easily earn Wyndham points from Wyndham Rewards credit cards or transfer your Capital One miles to your Wyndham account at a 1:1 ratio.

Redeem Ultimate Rewards points for vacation rentals

Just as you can redeem your Chase Ultimate Rewards points for as much as 1.5 cents each when booking flights and hotels via the Chase travel portal, you can do the same for home rentals. Though Chase no longer has a designated "vacation rental" tab on its travel portal dashboard, if you search under "Hotels," type in the area, dates and number of guests, you will see a list of hotels as well as a few vacation home rentals.

Unfortunately, there is no filter to search for vacation homes so you will have to scroll, but the option is available on the Chase travel portal.

For example, I searched for a "hotel" in Park City, Utah, for Jan. 8 to Jan. 10, 2025, for six guests and found a vacation rental available for $454 per night (not including taxes and fees).

If you hold the Chase Sapphire Reserve® , you can redeem your points at a fixed value of 1.5 cents each, which means one night at this vacation property (before taxes and fees) will cost you about 30,266 Ultimate Rewards points.

Use Hyatt points with Hyatt Homes & Hideaways

Hyatt launched its own collection of rental homes in late 2023, branded Homes & Hideaways by World of Hyatt. At the moment, Hyatt appears to only offer popular locations within the U.S. (think Hawaii, Florida, Colorado, etc.). Hyatt will eventually expand the program to international destinations.

Booking a stay at one of these properties confers many of the same perks as staying at a Hyatt hotel, such as 5 base points per dollar (plus any elite status bonuses), elite night credits and the ability to earn American Airlines miles when linking your account. You can redeem Hyatt points for award nights at any of these properties — though, after experimenting with some dummy bookings, the value proposition doesn't seem to be as high as with traditional Hyatt hotels.

Because you can transfer both Bilt Rewards and Chase Ultimate Rewards points to Hyatt at a 1:1 ratio, it's not difficult to accrue the points you need for a free night.

Homes & Hideaways gives customers a fixed purchase rate of 1.2 points per dollar. For example, if you book a three-night stay at a villa for $5,000, expect to pay about 416,667 points. TPG values Hyatt points at 1.7 cents apiece; therefore, if you redeem your Hyatt points for a Homes & Hideaways vacation rental, you are not maximizing their value.

Related: How to earn points with the World of Hyatt program

Use Choice points with Bluegreen Vacations

Choice Privileges partners with a vacation rental company called Bluegreen Vacations through its Ascend Hotel Collection . It operates primarily within the U.S., though there's one property in Aruba (you can see the map of all locations on Bluegreen's website ).

Bluegreen Vacations offers cheap award prices for surprisingly large accommodations. Take a look at the above example of a three-bedroom suite for just 25,000 points at the Bluegreen Vacations Christmas Mountain Village in June 2025.

You can earn Choice points with Choice credit cards , or you can transfer American Express Membership Rewards points to Choice at a 1:1 ratio (though we don't usually recommend this; Amex points can be worth considerably more than Choice points, depending on how you use them).

Use Amex points via Amex Travel

American Express Select Homes + Retreats is a fancy collection of homes that are available exclusively to those who hold The Platinum Card® from American Express and The Business Platinum Card® from American Express . You can either purchase your stay with your eligible Platinum card to earn 5 points per dollar (on up to $500,000 of these purchases per calendar year, then 1 point per dollar), or you can use Amex points to book your stay.

Click on "Vacation Rentals" on your Amex travel dashboard to see the select locations and properties available.

At present, American Express Select Homes + Retreats are only found in 12 areas around the U.S. You'll find them in the Panhandle area of Alabama and Florida; Maui, Hawaii; Charleston, South Carolina; and other popular vacation spots. As is the case with many programs on this list, Amex's offering isn't even in the same galaxy as Airbnb in terms of volume — but it provides properties you may not be able to find elsewhere.

Here's the issue: You'll only get a value of 0.7 cents per point for your booking. TPG considers American Express Membership Rewards points to be worth an average of 2 cents each — meaning this is a horrendous use of points in most cases.

Related: Redeeming American Express Membership Rewards for maximum value

Capital One vacation rentals

Capital One recently unveiled two collections of vacation rentals: Premier and Lifestyle . The collection(s) you can access depends on which Capital One credit card you hold.

If you've got either the Capital One Venture Rewards Credit Card or the Capital One Spark Miles for Business , you can access the Lifestyle collection. If you've got either the Capital One Venture X Rewards Credit Card or the Capital One Venture X Business , you can access both the Lifestyle and the (more fancy) Premier collections.

When you book a stay through Capital One, you'll receive bonus perks such as experience credits ($100 for Premier Collection stays, $50 for Lifestyle Collection stays), early check-in and late checkout when available, and destination experts to help you round out your trip. You'll also earn 5 miles per dollar when paying for your stay — or you can redeem Capital One miles to offset your bill at a rate of 1 cent per mile.

Again, using rewards to pay for your reservation isn't ideal, as TPG estimates Capital One miles to be worth 1.85 cents each toward travel when transferring to airline and hotel partners.

Related: Redeeming Capital One miles for maximum value

Redeem points for Airbnb gift cards

Another way to redeem points for a home rental is to cash in your points for a home rental gift card. Airbnb gift cards, for example, are available via several points programs.

Be careful when redeeming points for gift cards, as it isn't always the best return per point, but it is an option. With Chase Ultimate Rewards , you can redeem points for Airbnb gift cards at 1 cent each. While that is not a great use of points if you're looking to maximize your points, which TPG values at 2.05 cents apiece, it is an option if you want to save on your next vacation rental.

This story talks a bit more about redeeming points for gift cards and similar cash-out options.

Related: Maximizing points and miles to beat inflation and save money

Don't forget multibedroom hotel residence options

While not a home rental in the true sense, don't forget that multiple hotel loyalty programs have redemption options for multibedroom residences. You probably won't have a backyard and a pool with these, but the odds are good for a kitchen.

Many hotel chains, such as Hyatt and Marriott, offer multibedroom residence-style redemptions, though availability is more limited than when booking a standard hotel room. Keep in mind that Hyatt allows you to book suites online with points , too.

Bottom line

Your points can get you more than just flights and traditional hotel rooms — you can use them to book vacation home rentals.

If you know for sure you want to go that route, now may be the time to take stock of your wallet and see if you have the best card for this goal. The perfect program for you may vary as there are many different credit cards and loyalty programs that will allow you to use rewards toward that next vacation home rental.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

When to transfer Ultimate Rewards and when to book directly

Update : Some offers mentioned below are no longer available. View the current offers here .

Traditionally, the most valuable way to use Chase Ultimate Rewards points has been to transfer them to travel partners for expensive premium-cabin flights, last-minute reservations and hotel stays at Hyatt. You can also use your points to book travel directly through the Ultimate Rewards travel portal , but with most Chase credit cards those points are only worth 1.25 cents each toward travel reservations.

The Chase Sapphire Reserve card is different. When you use points from that card, or combine your Ultimate Rewards points from any other Chase card, they are worth 1.5 cents each toward travel reservations booked through Chase. (You also get this benefit if you have the J.P. Morgan Reserve Card ).

This might not seem like a huge deal, but the additional 20% in value could significantly change your decision-making when it comes time to redeem your points. It's worth exploring your options for booking through the Chase portal rather than transferring points to one of the program's 10 airline and three hotel partners.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter .

When to book directly with Chase

1. booking reservations that transfer partners don't offer.

Would you like a free airport transfer ? How about a tour or tickets to a show? These are all options for spending your Chase Ultimate Rewards points through their travel portal . And since the Chase travel portal i powered by Expedia, you can choose from nearly all of the options that you'd find at Expedia.com.

In the past I've used this option to see Cirque du Soleil, book a hot-air balloon ride and take a tour. More mundane but cost-saving options can include car rentals, airport transfers and theme park tickets. This is how I once used my Sapphire Reserve to bring my vacation cost down to zero .

2. Low fuel prices equal low airfare for direct bookings

When gas prices are low, plane tickets tend to be cheaper. I've often found one-way, domestic flights for less than $100, with little advance notice. When a $100 ticket costs just 6,666 Ultimate Rewards points (for Sapphire Reserve cardholders), you'll be booking the flight with fewer points than you could with any Ultimate Rewards transfer partner.

So the next time TPG issues a Deal Alert , consider booking it through Chase and using your Ultimate Rewards points to pay for it.

Related: Should I book through the Chase Portal if I'm not redeeming points?

3. The decline of saver award space and the growth of "dynamic pricing"

As someone who books the vast majority of my travel as award flights, I'm used to being extremely flexible when it comes to making reservations. But every year it seems like I need more and more flexibility to book saver awards to my destination, and sometimes that's not even enough. Now that several airlines have dynamic pricing, it can be even harder to find a reasonably priced award using your miles.

But by redeeming your points through the Chase Ultimate Rewards travel center, you'll have access to flights on most airlines and pay the going rate. When traveling internationally, this could even include carriers that don't participate in frequent flyer programs and even some that you may have never heard of.

4. The ability to earn miles and credit toward elite status

Another reason to favor the Chase Ultimate Rewards travel site over transfers to the program's airline partners is that flights booked directly through the portal with points will count as revenue bookings. This means that your award flights will earn redeemable miles, count towards elite status and may be eligible for upgrades. In fact, I earn Southwest status each year by booking my flights through Chase.

Just watch out for basic economy fares that don't offer all the benefits you need. Thankfully, the Chase Ultimate Rewards portal is pretty good at alerting you to these fares before checkout.

5. Airline reservations include all mandatory taxes and fees

Having to pay extra cash for taxes and fees is one of the disappointing realities of award travel. Sometimes it's just a trivial $5.60 TSA fee for a one-way domestic flight, but a family of five will have to pay that fee 10 times for each round-trip ticket.

When using your miles to book an international trip, you could be stuck with hundreds of dollars in taxes, government fees and airline-imposed fuel surcharges . Yet one of the beauties of booking flights through the Chase Ultimate Rewards travel portal is that all of the mandatory taxes and fees are included in the price, and payable with your Ultimate Rewards points. That leaves your total out-of-pocket costs at zero in most cases.

Related: How to avoid fuel surcharges on award travel

6. Use your rewards at a wider selection of hotels

If you're spending Ultimate Rewards points for hotel accommodations, you're probably used to looking for awards from Hyatt, as its points are worth the most among all of Chase's hotel transfer partners.

According to TPG's latest valuations , Hyatt points are worth 1.7 cents each, while IHG points are worth just 0.5 cents apiece and Marriott Bonvoy points are worth 0.8 cents each.

Hyatt is quickly adding properties to its portfolio, but sometimes you might not find one where you're traveling. Other times, a hotel chain might restrict award space to a narrowly defined selection of "standard rooms."

But when you book a stay through Chase Ultimate Rewards Travel, your choice of hotels is essentially the same as what you'd find through Expedia. So instead of choosing between one or two Hyatt, IHG or Marriott properties in an area, you could have your pick of dozens of hotels across all price points. As with any online travel agency, you will need to play amateur detective to find any hidden resort fees .

7. The ability to partially pay with points

Sometimes you want to book an award trip, but you don't have the necessary points and miles. When using traditional airline miles or hotel points, you have few options other than to buy points at a vastly inflated cost or to just pay cash for the entire reservation.

But one of the valuable features of the Chase Ultimate Rewards travel website is that it can apply all of your available Ultimate Rewards points toward your reservation, letting you pay cash for the remaining balance.

8. You can rebook existing hotel reservations for fewer points

If you recently opened the Sapphire Reserve and have already booked stays with Hyatt or another hotel partner, take a moment to search for properties through the Ultimate Rewards site. You might find a hotel for fewer points and it might even be at the same property where you already booked an award.

Thankfully, Hyatt and other hotel programs generally offer full refunds of your points when you cancel an award stay according to their specific policies.

When to transfer Ultimate Rewards

Despite the value offered by the Chase Ultimate Rewards travel center when you have a Sapphire Reserve Card, there are still some cases where transferring points to a partner makes more sense. Here are four examples:

1. Award flights in business or first class

When you can transfer your points to partners like Virgin Atlantic , Singapore Airlines and United and use your miles for premium-class awards at the lowest mileage levels, then you'll almost always do better than you would by redeeming Ultimate Rewards directly for travel.

2. Last-minute flights on routes with little competition

Airlines love to charge extortionate prices for flights booked close to the travel date. If you need to be on one of these flights and you can find an award using miles with an Ultimate Rewards transfer partner, you'll generally redeem fewer rewards this way than booking directly through Chase.

The same is often true when an airline has a monopoly on a particular route. If you're lucky enough to find award seats, then you'll probably get well over 1.5 cents per point in value.

3. Reservations at luxury Hyatt hotels

When you're booking a Park Hyatt, Alila, Andaz hotel with your World of Hyatt points, you'll usually get more than 1.5 cents in value per point. The exception is when there are highly discounted rooms during off-peak times.

4. Hotel bookings during peak periods

During a convention, a holiday or another major event that produces high occupancy rates, hotels may raise their prices all the way to the so-called "rack rate." But if there's a standard room available, you'll get far more than 1.5 cents per point in value when you transfer your points to Hyatt, Marriott or IHG.

Bottom line

Most of the attention paid to the Sapphire Reserve has focused on its outstanding benefits and rewards for spending, but the option to redeem points for 1.5 cents each through the travel portal has been underappreciated. By knowing when to book your travel directly through the Chase Ultimate Rewards travel center and when to transfer to partners, you can ensure that you'll get as much value as possible from this premium card.