Chase Final Rewards factors, a bank card rewards forex, give cardholders entry to a number of the best hotel and airline redemption transfer partners within the factors and miles enterprise. Plus, Chase Travel℠, the issuer’s easy-to-use journey portal, means that you can redeem your factors for bookings like rental vehicles, accommodations, flights, excursions and actions.
Regardless of rising competitors from American Specific Membership Rewards, Citi ThankYou Rewards, Capital One miles, Bilt Rewards and Wells Fargo Rewards, Chase Final Rewards has maintained its place as one of the vital priceless and helpful transferable currencies.
Restricted time provide: Chase Sapphire Preferred® Card — highest-ever – Earn 100,000-point bonus after spending $5,000 on purchases throughout the first three months of account opening (see rates and fees).
In the event you’re able to get severe about touring extra for much less, here is every thing it’s essential to learn about methods to earn, redeem and switch your Chase Final Rewards factors.
What are Chase Final Rewards factors?
Final Rewards factors are the forex of choose Chase-branded credit cards and a favourite bank card rewards forex right here at TPG. You’ll be able to earn Chase Final Rewards factors for on a regular basis spending on sure playing cards after which redeem them for a variety of rewards. TPG values Chase factors at 2.05 cents apiece per our April 2025 valuations, largely as a result of you possibly can switch these versatile factors to numerous journey companions to maximise their redemption worth.
Associated: The ultimate guide to credit card application restrictions
How do I earn Chase Final Rewards factors?
There are numerous methods to earn these priceless factors at charges of 1 to 10 factors per greenback spent, relying on the Chase bank card you carry and the kind of buy. However it’s vital to grasp two forms of Chase bank card rewards: Final Rewards factors and money again.
The primary three playing cards beneath earn totally transferable Final Rewards factors all by themselves, whereas the remaining 4 are technically billed as cash-back credit cards. Nevertheless, in case you have an Final Rewards points-earning card, you possibly can combine your Chase Ultimate Rewards in a single account, successfully changing your cash-back rewards into totally transferable factors. Because of this, having multiple Chase card could make sense to maximise your incomes and redeeming potential.
Listed below are the seven playing cards that can help you earn Chase Final Rewards factors.
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Chase Sapphire Most well-liked Card
Welcome provide: You will earn 100,000 Chase Final Rewards factors after spending $5,000 on purchases within the first three months of account opening. This is among the best welcome offers we have ever seen on this card, to $2,050 based mostly on our valuations.
Why you need it: The Chase Sapphire Preferred® Card is a implausible all-around travel credit card. Moreover incomes bonus factors on journey (amongst different classes), it comes with no foreign transaction fees and many travel perks, together with delayed baggage insurance coverage, trip interruption/cancellation insurance and primary car rental insurance.
Annual charge: $95
Utility hyperlink: Chase Sapphire Preferred Card (see rates and fees)
Chase Sapphire Reserve
Welcome provide: You will earn 60,000 Chase Final Rewards factors after spending $5,000 on purchases within the first three months from account opening. That is value $1,230, based on our valuations.
Why you need it: Put merely, you need the Chase Sapphire Reserve® for its incomes energy and its journey perks that may simply cowl the annual charge. These embody an easy-to-use annual travel credit value $300, a charge credit score for Global Entry or TSA PreCheck (as much as $120 as soon as each 4 years) and Priority Pass Select lounge entry, in addition to entry to the growing list of new Sapphire lounges.
Annual charge: $550
Utility hyperlink: Chase Sapphire Reserve (see rates and fees)
Ink Enterprise Most well-liked Credit score Card
Welcome provide: You will earn 90,000 Chase Final Rewards factors after spending $8,000 on purchases within the first three months from account opening.
Why you need it: The Ink Business Preferred® Credit Card is among the best credit cards for small-business owners, providing bonus factors on the primary $150,000 spent in mixed purchases on journey, delivery, web, cable and telephone providers, and promoting made with social media websites and serps every account anniversary yr.
Annual charge: $95
Utility hyperlink: Ink Business Preferred Credit Card (see rates and fees)
Ink Enterprise Money Credit score Card
Welcome provide: Earn as much as $750 money again: $350 bonus money again after spending $3,000 on purchases within the first three months and a further $400 while you spend $6,000 on purchases within the first six months from account opening.
Why you need it: The Ink Business Cash® Credit Card earns bonus money again on classes like gasoline stations, eating places, workplace provide shops and web, cable and telephone providers. You’ll be able to convert these earnings to Final Rewards factors in case you have one of many three rewards playing cards talked about above.
Annual charge: $0
Utility hyperlink: Ink Business Cash Credit Card (see rates and fees)
Ink Enterprise Limitless Credit score Card
Welcome provide: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Why you need it: The Ink Business Unlimited® Credit Card earns limitless 1.5% cash-back rewards on each buy. These cash-back earnings will be transformed to Chase Final Rewards factors in case you have one of many points-earning playing cards listed above, that means your small enterprise can primarily earn 1.5 factors per greenback spent on all prices made with this card.
Annual charge: $0
Utility hyperlink: Ink Business Unlimited Credit Card (see rates and fees)
Chase Freedom Flex
Welcome bonus: Earn $200 money again after you spend $500 within the first three months of account opening.
Why you need it: The Chase Freedom Flex® earns 5% money again on choose bonus classes that rotate every quarter (on as much as $1,500 in mixed spending; activation required). You’ll be able to convert these rewards to priceless Chase Final Rewards factors in the event you even have a points-earning bank card.
Annual charge: $0
Utility hyperlink: Chase Freedom Flex (see rates and fees)
Chase Freedom Limitless
Welcome provide: Earn $250 money again after you spend $500 within the first three months of account opening.
Why you need it: The Chase Freedom Unlimited® earns a minimum of 1.5% money again on all purchases, making it an ideal alternative for spending in nonbonus classes like pet expenses and home improvement. These earnings will be transformed to priceless Chase Final Rewards factors in case you have one of many points-earning playing cards listed above.
Annual charge: $0
Utility hyperlink: Chase Freedom Unlimited (see rates and fees)
Do Chase Final Rewards factors expire?
Chase Final Rewards factors don’t expire, offered you retain a minimum of one card that earns Final Rewards factors open. In the event you cancel your entire Final Rewards playing cards, you should redeem or transfer your points earlier than closing the final card. In any other case, you’ll forfeit the factors.
What are Chase Final Rewards factors value?
TPG values Chase Final Rewards factors at 2.05 cents apiece per our April 2025 valuations. That is largely because of the array of priceless switch companions like World of Hyatt and United MileagePlus, as these choices provide you with loads of flexibility in your redemptions, making Chase’s bank card rewards an ideal ecosystem for vacationers.
Nevertheless, you will get various values for Chase factors in the event you pursue different redemption alternatives. For instance, Final Rewards factors are value 1.5 cents apiece by Chase Journey for Sapphire Reserve cardholders and 1.25 cents for these with the Sapphire Most well-liked or Ink Enterprise Most well-liked card. You will even have entry to Chase Pay Your self Again as a cardholder of any of the above playing cards, and there are sometimes presents to redeem Chase factors for merchandise or reward playing cards at an enhanced worth.
Lastly, Chase factors are value 1 cent apiece if used for easy money again.
Easy methods to redeem Chase Final Rewards factors
When redeeming Chase Ultimate Rewards points, you’ve gotten three primary choices:
- Mounted-value, nontravel redemptions (e.g., money again, reward playing cards and Apple merchandise)
- Mounted-value Chase Journey bookings
- Transfers to journey companions
The “greatest” choice is dependent upon your journey wants. Factors are right here to avoid wasting you cash, and you must use them because it fits you. That being stated, you must purpose for the very best worth at any time when potential. This is a have a look at your choices for redeeming Chase bank card rewards.
Switch to journey companions
Chase Final Rewards presents 14 switch companions, together with 11 airways and three resort packages. All switch ratios are 1:1 (although there are occasional transfer bonuses), and you should switch factors in 1,000-point increments. As a result of most transfers are instantaneous, you possibly can hold your Chase factors in your Final Rewards account till you’re able to switch them, which offers glorious flexibility.
Transferring Final Rewards factors to journey companions is commonly probably the most priceless strategy to redeem your hard-earned factors. Our favorite sweet spots embody:
- Prime-tier Hyatt accommodations: The World of Hyatt award chart is cheap in comparison with many opponents. You’ll be able to guide a number of the most upscale Park Hyatt properties in your complete portfolio, together with the Park Hyatt Maldives Hadahaa and the Park Hyatt London River Thames, for 25,000 factors per night time throughout off-peak dates. Since these accommodations routinely promote for near $1,000, you possibly can simply get a minimum of 4 cents per level. There’s additionally nice worth on the decrease finish of the Hyatt award chart. Category 1 hotels vary from 3,500 to six,500 factors per night time, relying on peak, normal and off-peak pricing.
- Iberia flights to Madrid: Spherical-trip flights from New York’s John F. Kennedy Worldwide Airport (JFK), Chicago’s O’Hare Worldwide Airport (ORD) and Boston Logan Worldwide Airport (BOS) to Spain’s capital will solely set you again 34,000 Avios in off-peak blue-class economic system, 50,000 factors in off-peak premium economic system or 68,000 factors in off-peak enterprise class while you switch your Chase factors to Club Iberia Plus (formerly known as Iberia Plus). Contemplating that almost all airways cost a minimum of 60,000 miles for a one-way business-class award to Europe, you are primarily getting a 50% low cost.
- Quick-haul flights to Canada: Air Canada’s Aeroplan program now makes use of dynamic pricing for Air Canada flights and some partner airlines. Consequently, you possibly can typically discover super-cheap short-haul tickets from the U.S. to Canada. For instance, a flight from JFK to Toronto Pearson Airport (YYZ) will be booked for below 6,000 factors one-way on many dates.
Associated: 10 best ways to use 100,000 Chase Ultimate Rewards points
E book through Chase Journey
You’ll be able to book through the Chase Travel portal and redeem factors for airplane tickets, resort stays, rental vehicles, cruises or experiences at a set money worth per level.
As a Chase Sapphire Preferred or Ink Business Preferred cardholder, you possibly can redeem factors by Chase Journey for 1.25 cents apiece. You probably have the Chase Sapphire Reserve, your factors are value 1.5 cents every towards journey redemptions within the portal. You probably have a Chase Freedom Flex, Ink Business Unlimited Credit Card, Ink Business Cash Credit Card or Chase Freedom Unlimited, all factors are value 1 cent every.
Nevertheless, as famous beforehand, in case you have a number of playing cards incomes Chase Final Rewards factors, you possibly can mix your factors into the account with the very best worth for Final Rewards bookings. For instance, your factors earned with the Chase Freedom Flex will be moved to your Sapphire Reserve account, thus rising their worth from 1 to 1.5 cents apiece. This can be a beneficiant provide from a bank card program.
If yow will discover cheap airfare through Chase Journey, utilizing your factors for these flights could make sense to avoid wasting money. Plus, within the eyes of the airline, tickets booked this fashion are primarily the identical as paid fares, that means you will nonetheless earn airline miles and elite standing credit.
Within the case beneath, spending 2,973 Final Rewards factors from a Sapphire Reserve account to fly from Newark Liberty Worldwide Airport (EWR) to Fort Lauderdale-Hollywood Worldwide Airport (FLL) is not too shabby.
You may additionally think about the journey portal choice in the event you solely have a handful of Final Rewards factors left since Chase allows you to redeem factors to cowl even only a portion of the journey value. You’ll then pay the remaining steadiness with money.
Lastly, it is a first rate choice for automotive leases, nonchain lodging and when money charges make spending factors by switch companions a foul worth. The resort choices are fairly diverse, starting from distinctive impartial properties to chain accommodations. Remember that in the event you guide a resort that participates in a significant loyalty program by Chase, you possible won’t earn hotel points or have the ability to benefit from any elite standing perks.
Nevertheless, The Edit by Chase Travel now allows you to earn hotel points and elite benefits at choose properties. This lets you double dip, incomes rewards by the resort program and bonus Chase Final Rewards factors. Plus, reserving by The Edit provides you entry to extra perks like complimentary breakfast, room upgrades, late checkout and an as much as $100 property credit score.
Get pleasure from fixed-value, nontravel redemptions
You’ll be able to redeem Chase Final Rewards factors for a press release credit score or financial institution deposit at a flat fee of 1 cent every, and this fee additionally applies to reward playing cards and Apple merchandise (exterior of a limited-time particular).
Nevertheless, with Chase Pay Your self Again, you possibly can redeem factors for money again at a fee of 1 to 1.5 cents every, relying in your card. This redemption fee is legitimate on assertion credit towards rotating buy classes. Remember to try our article on the current Chase Pay Yourself Back categories.
Lastly, you can even hyperlink your eligible Chase playing cards to your Amazon account and pay for purchases with the Store with Factors program. Nevertheless, you’ll solely obtain a price of round 0.8 cents per Final Rewards level, so we do not suggest this redemption.
You will typically get a lot better worth out of Chase’s bank card rewards with this system’s switch companions and Chase Journey bookings.
Backside line
Chase Final Rewards is certainly one of our favourite bank card rewards packages at TPG. It means that you can earn bonus factors on many on a regular basis spending classes — like airfare, accommodations, eating and groceries — and select from a variety of redemption choices. For extra inspiration, try a few of our favourite Chase Sapphire Preferred redemptions and high methods to redeem Chase points for hotel stays.
Do not forget that the Chase Sapphire Preferred is providing the highest-ever welcome bonus of 100,000 Final Rewards factors while you spend $5,000 on purchases throughout the first three months of account opening, making now the proper time to use for this top travel rewards card.