Chase Final Rewards factors provide you with entry to a few of the finest resort and airline switch companions within the enterprise, in addition to Chase Journey℠, the issuer’s easy-to-use journey portal, which lets you redeem factors for all kinds of bookings, together with rental vehicles, lodges, flights, excursions and actions.
Regardless of growing 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 crucial precious and helpful factors currencies.
When you’re able to get severe about touring extra for much less, this is every thing you should learn about learn how to earn and redeem your Chase Final Rewards factors.
What are Chase Final Rewards factors?
Final Rewards factors are the foreign money of most Chase-branded bank cards. You possibly can earn Chase Final Rewards factors for on a regular basis spending on these playing cards that you could then redeem for a variety of rewards.
When you’re simply getting began on this planet of journey bank cards, it is usually finest to start out with Chase merchandise, because of the issuer’s well-documented 5/24 rule. In brief, you typically cannot get authorised for any Chase playing cards — together with those who earn Final Rewards factors — if you happen to’ve utilized for 5 or extra new bank cards throughout all banks prior to now 24 months.
Keep in mind this restriction as you construct a technique to maximise your bank card rewards.
Associated: The final word information to bank card software restrictions
How do I earn Chase Final Rewards factors?
There are lots of methods to earn Chase factors at charges of 1 to 10 factors per greenback spent, relying on the particular Chase bank card you carry.
The primary three playing cards under earn totally transferable Final Rewards factors all by themselves, whereas the remaining 4 are technically billed as cash-back bank cards.
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Nevertheless, in case you have an Final Rewards points-earning card, you’ll be able to mix your Chase cash-back 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 here are the seven playing cards that assist you to earn Chase Final Rewards factors.
Chase Sapphire Most popular Card
Welcome provide: You may earn 60,000 Final Rewards factors after you spend $4,000 on purchases within the first three months of account opening, plus a $300 assertion credit score on Chase Journey purchases inside the first yr. That is price as much as $1,050 when redeemed via Chase Journey.
Why you need it: It is a implausible all-around journey bank card. It earns factors on the following charges:
- 5 factors per greenback spent on Lyft (via March 2025)
- 5 factors per greenback spent on all journey bought via Chase Journey
- 3 factors per greenback spent on eating, together with eligible supply providers, takeout and eating out
- 3 factors per greenback spent on choose streaming providers
- 3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback spent on all different journey
- 1 level per greenback spent on all different purchases
The Sapphire Most popular® Card has no international transaction charges and comes with many journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and major automotive rental insurance coverage.
Annual price: $95
Utility hyperlink: Chase Sapphire Most popular® Card
Chase Sapphire Reserve
Welcome provide: You may earn 60,000 factors after you spend $4,000 on purchases within the first three months from account opening. That is price $900 when redeemed via the Chase Journey portal.
Why you need it: Put merely, you need this card for its incomes energy and its journey perks that may simply cowl the annual price. It accrues the next earnings:
- 10 factors per greenback spent on Lyft (via March 2025)
- 10 factors per greenback spent on Chase Eating booked via Final Rewards
- 10 factors per greenback spent on resort and automotive rental purchases via Chase Journey
- 5 factors per greenback spent on flights booked via Chase Journey
- 3 factors per greenback spent on journey not booked via Chase
- 3 factors per greenback spent on different eating purchases (excluding the $300 annual journey credit score) and eating purchases worldwide
- 1 level per greenback spent on all different eligible purchases
Different perks embrace an easy-to-use annual journey credit score price $300, a price credit score for International Entry or TSA PreCheck (as much as $120 as soon as each 4 years) and Precedence Go Choose lounge entry, in addition to entry to the rising record of recent Sapphire lounges. Cardholders additionally get major automotive rental protection, journey interruption/cancellation insurance coverage and different protections.
Annual price: $550
Utility hyperlink: Chase Sapphire Reserve®
Ink Enterprise Most popular Credit score Card
Welcome provide: You may earn 90,000 factors after you spend $8,000 on purchases within the first three months from account opening.
Why you need it: This is among the finest bank cards for small-business house owners, with the next incomes charges:
- 3 factors per greenback 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 search engines like google every account anniversary yr
- 1 level per greenback spent on all different purchases
Annual price: $95
Utility hyperlink: Ink Enterprise Most popular® Credit score Card
Ink Enterprise Money Credit score Card
Welcome provide: Earn as much as $750 money again: $350 bonus money again after you spend $3,000 on purchases within the first three months and a further $400 once you spend $6,000 on purchases within the first six months from account opening.
Why you need it: Earn 5% money again on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable and telephone providers every account anniversary yr (then 1%). Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr (then 1%). You possibly can convert these earnings to Final Rewards factors in case you have one of many three rewards playing cards talked about above.
Annual price: $0
Utility hyperlink: Ink Enterprise Money® Credit score Card
Ink Enterprise Limitless Credit score Card
Welcome provide: Earn $900 bonus money again (which may develop into 90,000 Final Rewards factors) after spending $6,000 on purchases within the first three months from account opening.
Why you need it: Earn limitless 1.5% cash-back rewards on each buy. These cash-back earnings may be transformed to 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 expenses made with this card.
Annual price: $0
Utility hyperlink: Ink Enterprise Limitless® Credit score Card
Chase Freedom Flex
Welcome bonus: Earn $200 after you spend $500 within the first three months of account opening
Why you need it: The cardboard earns 5% again on choose bonus classes, which rotate each quarter (on as much as $1,500 in mixed spending; activation required). You possibly can convert these rewards to precious Final Rewards factors if you happen to even have a points-earning bank card. Plus, you may earn the next:
- 5% on journey bought via Chase Journey
- 3% on eating (together with takeout and eligible supply providers) and drugstore purchases
- 1% on all different purchases
Annual price: $0
Utility hyperlink: Chase Freedom Flex®
Chase Freedom Limitless
Welcome provide: Earn a further 1.5% money again on every thing you purchase (on as much as $20,000 spent within the first yr), price as much as $300 money again.
Why you need it: These earnings may be transformed to precious Final Rewards factors in case you have one of many points-earning playing cards listed above. Plus, you’ll be able to earn the next:
- 5% on journey bought via Chase Journey
- 3% money again on eating at eating places (together with takeout and eligible supply providers) and three% on drugstore purchases
- 1.5% on all different purchases
Annual price: $0
Utility hyperlink: Chase Freedom Limitless®
Different Chase bank cards
Word that there are a lot of different Chase-issued bank cards that are not listed right here, together with:
Do Chase Final Rewards factors expire?
Chase Final Rewards factors don’t expire, offered you retain no less than one card that earns Final Rewards factors open.
When you cancel all of your Final Rewards playing cards, it’s essential to redeem or switch your factors earlier than closing the final card. In any other case, you’ll forfeit the factors.
What are Chase Final Rewards factors price?
TPG values Final Rewards factors at 2.05 cents apiece in our October 2024 valuations. That is largely as a result of array of precious switch companions like World of Hyatt and United Airways MileagePlus, as these choices provide you with precious flexibility in your redemptions.
Nevertheless, you may get various values for Chase factors if you happen to pursue different redemption alternatives. For instance, Final Rewards factors are price 1.5 cents apiece via Chase Journey for Sapphire Reserve cardholders and 1.25 cents for these with the Sapphire Most popular or Ink Enterprise Most popular card. You may even have entry to Chase Pay Your self Again as a cardholder of any of the above playing cards, and there are often provides to use Chase factors for Apple merchandise or reward playing cards at an enhanced worth.
Lastly, Chase factors are price 1 cent apiece if used for easy money again.
What are the Chase Final Rewards switch companions?
You possibly can switch Final Rewards factors to 11 airline packages:
Chase additionally companions with three resort packages:
All switch ratios are 1:1 (although there are occasional switch bonuses), and it’s essential to switch factors in 1,000-point increments.
Choices to redeem Final Rewards factors
When redeeming Final Rewards factors, you’ve gotten three primary choices:
- Fastened-value, nontravel redemptions (e.g., money again, reward playing cards, Apple merchandise)
- Fastened-value Chase Journey bookings
- Transfers to journey companions
The “finest” possibility is determined by your journey wants. Factors are right here to avoid wasting you cash, and it’s best to use them when it fits you.
That being stated, it’s best to goal for the very best worth at any time when potential. Here is a have a look at your choices.
Switch to journey companions
Transferring Final Rewards factors to journey companions is commonly essentially the most precious solution to redeem your hard-earned factors. With 14 switch companions, you’ve gotten loads of choices, and you’ll preserve your Chase factors in your Final Rewards account till you might be able to switch them, which supplies wonderful flexibility. Our favourite candy spots embrace:
- High-tier Hyatt lodges: The World of Hyatt award chart is cheap in comparison with some opponents. You possibly can e book a few of the fanciest Park Hyatt properties in all the portfolio, together with the Park Hyatt New York and the Park Hyatt Sydney, for 35,000 factors per night time throughout off-peak dates. TPG values Hyatt factors at 1.7 cents every (per our October 2024 valuations), so 35,000 factors are price $595. That is a terrific deal for lodges that routinely promote for near $1,000, even when demand is low. There’s additionally nice worth on the decrease finish of the Hyatt award chart. Class 1 lodges 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 (off-peak) in premium economic system or 68,000 factors (off-peak) in enterprise class once you switch your Chase factors to Iberia Plus. Contemplating that almost all airways cost no less than 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: Aeroplan caught to an award chart for associate redemptions however added dynamic pricing for Air Canada flights. In consequence, you’ll be able to usually discover super-cheap short-haul tickets from the U.S. to Canada. For instance, a flight from JFK to Toronto Pearson Airport (YYZ) may be booked for beneath 6,000 factors one-way on many dates.
Guide through Chase Journey
You possibly can e book via Chase Journey and redeem factors to your aircraft tickets, resort stays, rental vehicles or experiences at a set money worth per level.
As a Chase Sapphire Most popular or Chase Ink Enterprise Most popular cardholder, every level is price 1.25 cents. If in case you have the Chase Sapphire Reserve, your factors are price 1.5 cents every towards journey redemptions within the portal. If in case you have a Chase Freedom Flex, Ink Enterprise Limitless Credit score Card, Ink Enterprise Money Credit score Card or Chase Freedom Limitless, all factors are price 1 cent every.
Nevertheless, as famous beforehand, in case you have a number of playing cards incomes Final Rewards factors, you’ll be able to 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 may be moved to your Sapphire Reserve account, thus growing their worth from 1 to 1.5 cents apiece. It is 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. Within the eyes of the airline, tickets booked this fashion are primarily the identical as paid fares. This implies you may earn elite standing credit and redeemable miles. Watch out to keep away from primary economic system tickets except you might be OK with their restrictions.
Within the case under, 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 contemplate the journey portal possibility if you happen to solely have a handful of Final Rewards factors left, since Chase helps you to redeem factors to cowl even only a portion of the journey price. You’ll then pay the remaining steadiness with money.
Lastly, this can be a first rate possibility for automotive leases, nonchain lodging and when money charges make spending factors via switch companions a nasty worth. The resort choices are fairly assorted, although bear in mind that if you happen to e book a resort that participates in a significant loyalty program via Chase, you possible will not earn resort factors, nor will you be capable to reap the benefits of any elite standing perks.
Take pleasure in fixed-value, nontravel redemptions
You possibly can redeem Chase factors for a press release credit score or financial institution deposit at a flat charge of 1 cent every, and this charge additionally applies to reward playing cards and Apple merchandise (outdoors a limited-time particular).
Nevertheless, with Chase Pay Your self Again, you’ll be able to redeem factors for money again at a charge of 1 to 1.5 cents every, relying in your card. This redemption charge is legitimate on assertion credit towards rotating buy classes. You’ll want to try our article on the present Chase Pay Your self Again classes.
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.
As you’ll be able to see, you may typically get significantly better worth with this system’s switch companions and Chase Journey bookings. Nevertheless, we all know wants can change, so these nontravel redemptions stay fall-back choices.
Backside line
Chase Final Rewards is one among our favourite bank card packages at TPG. It means that you can begin with a bank card providing a big welcome bonus after which take pleasure in bonus factors on many on a regular basis spending classes — like airfare, lodges, eating and groceries. Then, you’ll be able to select from an enormous vary of switch companions, redeem factors for journey straight with Chase or select money again.
