How to maximize Chase Ultimate Rewards for travel


When it comes to the world of miles and points, not all programs are created equal. Airline miles can be restrictive as they rely on award space being available for a free seat. Hotel points are more flexible because it’s generally easier to redeem them.

However, the most flexible “currency” is credit card points, and Chase Ultimate Rewards is considered among the best (especially if you have the Chase Sapphire Reserve – Readers’ Choice Award winner for Best Rewards Credit Card 2018 – or Chase Sapphire Preferred card).

They can be redeemed in myriad ways, and for the aforementioned cardholders, at even greater value. Let’s explore some of the best options and transfer partners for scoring maximum value from Chase Ultimate Rewards.

Pay with points

There’s no need to search for award space if you pay for travel (hotels, rental cars, flights) with Ultimate Rewards points. Once logged into your account, you can spend points at the rate of one point per penny, or if you have the Chase Sapphire Reserve or Chase Sapphire Preferred cards, at the rate of one point per penny and a half.

Remember that if you have more than one Chase card earning Ultimate Rewards (and one is the Reserve or Preferred card), transfer all points to one of those premium cards to be able to redeem at the greater redemption value. Chase allows you to transfer points between accounts under the same name for free.