Rewards Program Page

Chase Ultimate Rewards

Rewards Program Information

Program Benefits

  • No blackout dates or restrictions on airfare or hotel accommodations
    • When members book travel through Ultimate Rewards
  • Gift cards to stores, restaurants and travel partners
  • Merchandise from top brands in electronics, home entertainment, music and more
  • Exclusive Experiences
  • Cash back
  • Plus, many more ways to get rewarded
  • Points never expire
  • There is no limit to the number of points members can earn or redeem


  • The Ultimate Rewards web site is a convenient place for all travel planning needs
  • Book flights and hotels
  • When booking travel online through Ultimate Rewards and cardholders use their eligible Chase card, they'll earn 1 additional point per $1 spent

 Get 25% More Value for Points

  • Points are worth 25% more when redeemed for travel through Ultimate Rewards
  • This is available for select Chase Sapphire Preferred and Ink Plus cards

Fly Without Restrictions

  • Redeem points for tickets on most major airlines and fly any class, anywhere
  • If a seat is available, cardholders can redeem it, there are no restrictions
  • No blackout dates
  • Cardholders can redeem the number of points they wish, and pay the rest with their Chase card – there is no minimum number of points that must be redeemed

Plan Air Travel and More

  • In addition to booking award flights, members can reserve hotels, car rentals and more

Transfer Ultimate Rewards Points

  • Members can transfer Ultimate Rewards points at full value to participating frequent traveler programs with select Chase Sapphire and Ink from Chase cards
    • For example, if a cardholder has a balance of 89,000 British Airways miles and want an airline ticket to London that requires 100,000 miles
      • Simply transfer 11,000 Ultimate Rewards points to their British Airways account to make up the difference

Travel Partners

  • Amtrak
  • British Airways
  • Continental Airlines
  • IHG
  • Marriott

Travel Getaways

  • Ultimate Rewards offers an exceptional selection of travel getaways that include accommodations, activities, events, and more
  • Chase will even help cardmembers plan a custom package

Cash Back and More

  • Redeem Ultimate Reward points for a check
  • Or turn a recent purchase of almost anything made with the Chase card into a reward

Get Cash Back

  • If cardmembers want to reward themselves with cash back, they can do that as well
    • Redeem for a check, starting at just 2,000 points for a $20 check

Cardholders can Pay Themselves Back

  • Simply pay for any purchase with the Chase card
  • Then redeem points in the form of a statement credit for that purchase, starting at 2,000 points for $20.


  • Redeem points or use the Chase card for great entertainment including concerts, sporting events, fine dining and more
  • Cardholders can also take part in one of the new online auctions, and use their points to bid on a perfect experience near their home or around the world

Ultimate Rewards Auctions

  • Cardholders can bid on one of the limited-time experiences available on Chase Freedom, Chase Sapphire and Ink from Chase cards exclusively through special auctions


  • With a huge selection of popular brands, cardmembers are bound to find exactly what they're looking for
  • Products and prices among the wide variety of items offered, includes the latest and greatest electronics, music, DVDs and much more
  • Enjoy excellent customer service and fast, convenient delivery options

Gift Cards

  • Ultimate Rewards offers dozens of gift cards redeemable for electronics, fashion, books, home décor, dining, entertainment and more
Gift Card Value:

Choose from many of the most popular brands


card valuepoints

NOTE: Pricing/point value may vary


Ultimate Rewards Mall

  • Earn up to 10 bonus points for every dollar spent online at the more than 400 retailers all conveniently located at the Ultimate Rewards Mall
  • Cardmembers can start all their online shopping at the Ultimate Rewards Mall and can earn up to 10 bonus points for every dollar spent
  • Also find great deals when  using the exclusive tools to compare products and prices among the wide variety of items offered—all at the same convenient site
  • Receive a deal of the week for its special bonus opportunities


  • Enjoy fast and easy restaurant reservations, at home and around the world
  • With Ultimate Rewards, reserving a table at a great restaurant
  • Simply log on to the Ultimate Rewards website and search by city, neighborhood, cuisine and price. Read Zagat ratings and reviews. Access OpenTable and make a reservation at more than 11,000 restaurants worldwide

How to Earn

Cardmembers earn points every time they make a purchase with their eligible Chase card.

Members earn:

  • Points for each $1 spent on travel booked online through Ultimate Rewards
  • Up to 10 points for each $1 you spend when shopping online through the Ultimate Rewards Mall
  • Bonus points when you shop at participating in-store retailers
  • Visit today to learn more about featured offers and deals of the week

Note: Check each participating credit card's specific product terms and conditions for additional opportunities to earn points.

How to Redeem

How do members book travel w/Ultimate Rewards?:
When booking flights and hotel/rental car accommodations, members have these redemption options:

  1. Ultimate Rewards lets members browse all the options for price and selection
  2. Pay with points, the Chase card or a combination of both
  3. Redeem for a statement credit for tickets already purchased with Pay Yourself Back
  4. Redeem points for a travel gift certificate for a future trip
  5. If member's Chase credit card is eligible, transfer points at full value (1:1) to frequent traveler airline and hotel loyalty programs.
    • Note: Once members transfer points, it cannot be reversed

How do members redeem for cash back?
Members can start redeeming at just 2,000 points for a $20 check. If they have a Chase savings or checking account, they can easily redeem points for a deposit to their account. If they have chosen to have cash deposited into their Chase Account, the deposit will usually be made within 2-3 business days. To redeem, click Get Cash from the drop-down list under "Cash Back" in the top navigation bar once logged into the Ultimate Rewards site.


What is Pay Yourself Back and how does it work?
Pay Yourself Back allows members to redeem points for a statement credit, to pay for any purchase made with their rewards-eligible Chase card. Members can only use this feature within 60 days of a purchase.

How to use Pay Yourself Back:

  1. Select Pay Yourself Back from the drop-down list under "Cash Back" in the top navigation bar
  2. Enter the transaction date and amount.
  3. Enter the amount of points to use for a statement credit

Note: Redemptions start at 2,000 points for a $20 statement credit for any qualifying purchase within 60 days of the redemption date, where permitted by law. Beginning with $20, redemptions may be made in additional $0.01 (penny) increments online and $1 increments offline.

Can members  redeem points to make a contribution to a charitable cause?
Yes. In the drop-down list for "Cash Back", click Donate to Charity to contribute directly to one of the charitable Ultimate Rewards partners.

Note: Please consult a tax advisor to determine deductibility.

Please call the phone number on the back of the Chase card for additional questions


Can a member use their points to buy a ticket when an airline isn't listed on the Ultimate Rewards travel booking tool?
Although Southwest Airlines isn't listed online, Southwest Airlines airline tickets can be purchased using points, the Card, or a combination of both by calling Ultimate Rewards at 1-866-951-6592.

For any other airline, members can purchase a ticket with their Chase card and then redeem points for a statement credit with the Pay Yourself Back feature.


Min Points Needed to Redeem


Points Needed for Flight

Varies by partner

No Blackout Dates?


Blackout Dates Info

No blackout dates or restrictions on airfare or hotel accommodations when members book travel through Ultimate Rewards

Points Never Expire?


Expiration of Points Info

As long as account is not in default, the points earned in this program will NOT expire

  • Rewards Checks will expire 120 days after the date they're issued

Unlimited Rewards Earning?


Max Earning Cap Info

There is no limit to the number of points cardmembers can earn

Age Requirement to Join


Requirements to Join

Become a cardholder of one of the following credit cards:

Sponsoring Companies

Sponsoring Rewards Cards

Current Promotions

Currently No Promotions

*Disclaimer: See the online application(s) for details about terms and conditions of all offers. To confirm terms and conditions, click on the "Sign Up" button and review info on the terms page. We expend substantial effort to maintain accurate information. However, all information on the site is presented without warranty.