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Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

A Beginner's Guide to Chase Credit Card Rewards

Your complete guide to maximizing Chase Ultimate Rewards® points and benefits.

July 1, 2025

Small Kudos square logoAn upside down carrot icon
Picture of coins on a surface

In today's rewards-driven credit card landscape, Chase Ultimate Rewards® stands out as one of the most valuable points systems available. Whether you're planning your next vacation or looking to maximize cash back on everyday purchases, understanding how to leverage Chase's rewards program can significantly impact your financial benefits.

What Is Chase Ultimate Rewards?

Chase Ultimate Rewards® is the flagship rewards program powering many popular Chase credit cards, including the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Chase Freedom Unlimited®. This proprietary rewards system offers unprecedented flexibility in how you earn and redeem points, with options ranging from travel bookings to statement credits.

The program's cornerstone is its points-earning structure, which varies across different Chase credit cards. While most cards offer at least 1 point per dollar spent on eligible transactions, many provide enhanced earning rates in bonus categories like dining rewards, travel rewards, and select streaming services.

More:

Best Ways to Use 60,000 Chase Ultimate Rewards Points in 2025: Complete Guide

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Earning Chase Ultimate Rewards® Points

Basic Earning Methods

  • Regular Purchases: Earn 1-10 points per dollar spent depending on your card and spending categories
  • Sign-up Bonuses: Substantial welcome bonus opportunities when meeting minimum spending requirements
  • Bonus Category Spending: Enhanced earnings in rotating rewards categories or fixed bonus categories

Advanced Earning Strategies

  • Shopping Portals: Access the Chase credit cards mobile app and online shopping portal for bonus points
  • Referral Bonuses: Earn additional points by referring friends and family
  • Targeted Offers: Watch for promotional offers and seasonal bonus opportunities
  • Business Categories: Special earning rates for Chase for Business cardholders
An icon of a lightbulb
Kudos Tip
More:

Maximizing Your Chase Ultimate Rewards

Strategic Card Combinations

Combining multiple Chase cards can amplify your earning potential. For example, pairing the Ink Business Preferred® Credit Card with the Chase Freedom Flex® allows you to maximize both business categories and rotating rewards categories.

Transfer Partners Program

One of the most valuable features is the ability to transfer points to airline or hotel partners at a 1:1 ratio. This flexibility often provides the highest point redemption value, especially for premium travel bookings.

More:

Maximizing Your Q1 2025 Credit Card Rewards: A Complete Guide with Kudos

Redemption Options and Value

Travel Redemptions

  • Direct booking through the Chase travel-booking tool
  • Transfers to travel partners
  • No blackout dates or travel restrictions
  • Enhanced value for Sapphire travel cards holders

Non-Travel Options

  • Statement credits at standard cash back rate
  • Gift card redemption with periodic bonus values
  • Shop with points program at various online retailers
  • Chase Dining and Chase Experiences exclusive access

Consider Using Kudos to Maximize Your Rewards

While Chase Ultimate Rewards® offers excellent value, combining it with Kudos can enhance your earning potential even further. Kudos is a free AI-powered browser extension that automatically recommends the best credit card to use for each purchase, ensuring you always maximize your rewards.

Currently, Kudos is offering $20 back after your first eligible purchase — simply sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Expert Takeaway

Chase Ultimate Rewards® stands out for its flexibility, transfer partners, and redemption options. Success with the program comes from understanding your card benefits, strategically using bonus categories, and taking advantage of card-to-card points transfers when available.

Chase Ultimate Rewards FAQ

How long do Chase Ultimate Rewards points last?

Points don't expire as long as your account remains open and in good standing.

What's the best way to use Chase Ultimate Rewards points?

Generally, transferring to travel partners or booking travel through the Chase portal offers the highest value.

Can I combine points from different Chase cards?

Yes, points can be combined across eligible Chase credit cards under the same account.

How do I avoid surprise fees when redeeming points?

Always review the terms and conditions before redemption, especially for travel bookings which may incur taxes and fees.

What's the typical cash back rate for point redemption?

The standard rate is 1 cent per point, though this can vary based on your card and redemption method.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

A Beginner's Guide to Chase Credit Card Rewards

Your complete guide to maximizing Chase Ultimate Rewards® points and benefits.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

In today's rewards-driven credit card landscape, Chase Ultimate Rewards® stands out as one of the most valuable points systems available. Whether you're planning your next vacation or looking to maximize cash back on everyday purchases, understanding how to leverage Chase's rewards program can significantly impact your financial benefits.

What Is Chase Ultimate Rewards?

Chase Ultimate Rewards® is the flagship rewards program powering many popular Chase credit cards, including the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Chase Freedom Unlimited®. This proprietary rewards system offers unprecedented flexibility in how you earn and redeem points, with options ranging from travel bookings to statement credits.

The program's cornerstone is its points-earning structure, which varies across different Chase credit cards. While most cards offer at least 1 point per dollar spent on eligible transactions, many provide enhanced earning rates in bonus categories like dining rewards, travel rewards, and select streaming services.

More:

Best Ways to Use 60,000 Chase Ultimate Rewards Points in 2025: Complete Guide

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Earning Chase Ultimate Rewards® Points

Basic Earning Methods

  • Regular Purchases: Earn 1-10 points per dollar spent depending on your card and spending categories
  • Sign-up Bonuses: Substantial welcome bonus opportunities when meeting minimum spending requirements
  • Bonus Category Spending: Enhanced earnings in rotating rewards categories or fixed bonus categories

Advanced Earning Strategies

  • Shopping Portals: Access the Chase credit cards mobile app and online shopping portal for bonus points
  • Referral Bonuses: Earn additional points by referring friends and family
  • Targeted Offers: Watch for promotional offers and seasonal bonus opportunities
  • Business Categories: Special earning rates for Chase for Business cardholders
An icon of a lightbulb
Kudos Tip
More:

Maximizing Your Chase Ultimate Rewards

Strategic Card Combinations

Combining multiple Chase cards can amplify your earning potential. For example, pairing the Ink Business Preferred® Credit Card with the Chase Freedom Flex® allows you to maximize both business categories and rotating rewards categories.

Transfer Partners Program

One of the most valuable features is the ability to transfer points to airline or hotel partners at a 1:1 ratio. This flexibility often provides the highest point redemption value, especially for premium travel bookings.

More:

Maximizing Your Q1 2025 Credit Card Rewards: A Complete Guide with Kudos

Redemption Options and Value

Travel Redemptions

  • Direct booking through the Chase travel-booking tool
  • Transfers to travel partners
  • No blackout dates or travel restrictions
  • Enhanced value for Sapphire travel cards holders

Non-Travel Options

  • Statement credits at standard cash back rate
  • Gift card redemption with periodic bonus values
  • Shop with points program at various online retailers
  • Chase Dining and Chase Experiences exclusive access

Consider Using Kudos to Maximize Your Rewards

While Chase Ultimate Rewards® offers excellent value, combining it with Kudos can enhance your earning potential even further. Kudos is a free AI-powered browser extension that automatically recommends the best credit card to use for each purchase, ensuring you always maximize your rewards.

Currently, Kudos is offering $20 back after your first eligible purchase — simply sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Expert Takeaway

Chase Ultimate Rewards® stands out for its flexibility, transfer partners, and redemption options. Success with the program comes from understanding your card benefits, strategically using bonus categories, and taking advantage of card-to-card points transfers when available.

Chase Ultimate Rewards FAQ

How long do Chase Ultimate Rewards points last?

Points don't expire as long as your account remains open and in good standing.

What's the best way to use Chase Ultimate Rewards points?

Generally, transferring to travel partners or booking travel through the Chase portal offers the highest value.

Can I combine points from different Chase cards?

Yes, points can be combined across eligible Chase credit cards under the same account.

How do I avoid surprise fees when redeeming points?

Always review the terms and conditions before redemption, especially for travel bookings which may incur taxes and fees.

What's the typical cash back rate for point redemption?

The standard rate is 1 cent per point, though this can vary based on your card and redemption method.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

A Beginner's Guide to Chase Credit Card Rewards

Your complete guide to maximizing Chase Ultimate Rewards® points and benefits.

July 1, 2025

Small Kudos square logoAn upside down carrot icon
Picture of coins on a surface

In today's rewards-driven credit card landscape, Chase Ultimate Rewards® stands out as one of the most valuable points systems available. Whether you're planning your next vacation or looking to maximize cash back on everyday purchases, understanding how to leverage Chase's rewards program can significantly impact your financial benefits.

What Is Chase Ultimate Rewards?

Chase Ultimate Rewards® is the flagship rewards program powering many popular Chase credit cards, including the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Chase Freedom Unlimited®. This proprietary rewards system offers unprecedented flexibility in how you earn and redeem points, with options ranging from travel bookings to statement credits.

The program's cornerstone is its points-earning structure, which varies across different Chase credit cards. While most cards offer at least 1 point per dollar spent on eligible transactions, many provide enhanced earning rates in bonus categories like dining rewards, travel rewards, and select streaming services.

More:

Best Ways to Use 60,000 Chase Ultimate Rewards Points in 2025: Complete Guide

Earning Chase Ultimate Rewards® Points

Basic Earning Methods

  • Regular Purchases: Earn 1-10 points per dollar spent depending on your card and spending categories
  • Sign-up Bonuses: Substantial welcome bonus opportunities when meeting minimum spending requirements
  • Bonus Category Spending: Enhanced earnings in rotating rewards categories or fixed bonus categories

Advanced Earning Strategies

  • Shopping Portals: Access the Chase credit cards mobile app and online shopping portal for bonus points
  • Referral Bonuses: Earn additional points by referring friends and family
  • Targeted Offers: Watch for promotional offers and seasonal bonus opportunities
  • Business Categories: Special earning rates for Chase for Business cardholders
An icon of a lightbulb
Kudos Tip
More:

Maximizing Your Chase Ultimate Rewards

Strategic Card Combinations

Combining multiple Chase cards can amplify your earning potential. For example, pairing the Ink Business Preferred® Credit Card with the Chase Freedom Flex® allows you to maximize both business categories and rotating rewards categories.

Transfer Partners Program

One of the most valuable features is the ability to transfer points to airline or hotel partners at a 1:1 ratio. This flexibility often provides the highest point redemption value, especially for premium travel bookings.

More:

Maximizing Your Q1 2025 Credit Card Rewards: A Complete Guide with Kudos

Redemption Options and Value

Travel Redemptions

  • Direct booking through the Chase travel-booking tool
  • Transfers to travel partners
  • No blackout dates or travel restrictions
  • Enhanced value for Sapphire travel cards holders

Non-Travel Options

  • Statement credits at standard cash back rate
  • Gift card redemption with periodic bonus values
  • Shop with points program at various online retailers
  • Chase Dining and Chase Experiences exclusive access

Consider Using Kudos to Maximize Your Rewards

While Chase Ultimate Rewards® offers excellent value, combining it with Kudos can enhance your earning potential even further. Kudos is a free AI-powered browser extension that automatically recommends the best credit card to use for each purchase, ensuring you always maximize your rewards.

Currently, Kudos is offering $20 back after your first eligible purchase — simply sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Expert Takeaway

Chase Ultimate Rewards® stands out for its flexibility, transfer partners, and redemption options. Success with the program comes from understanding your card benefits, strategically using bonus categories, and taking advantage of card-to-card points transfers when available.

Chase Ultimate Rewards FAQ

How long do Chase Ultimate Rewards points last?

Points don't expire as long as your account remains open and in good standing.

What's the best way to use Chase Ultimate Rewards points?

Generally, transferring to travel partners or booking travel through the Chase portal offers the highest value.

Can I combine points from different Chase cards?

Yes, points can be combined across eligible Chase credit cards under the same account.

How do I avoid surprise fees when redeeming points?

Always review the terms and conditions before redemption, especially for travel bookings which may incur taxes and fees.

What's the typical cash back rate for point redemption?

The standard rate is 1 cent per point, though this can vary based on your card and redemption method.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

A Beginner's Guide to Chase Credit Card Rewards

Your complete guide to maximizing Chase Ultimate Rewards® points and benefits.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

In today's rewards-driven credit card landscape, Chase Ultimate Rewards® stands out as one of the most valuable points systems available. Whether you're planning your next vacation or looking to maximize cash back on everyday purchases, understanding how to leverage Chase's rewards program can significantly impact your financial benefits.

What Is Chase Ultimate Rewards?

Chase Ultimate Rewards® is the flagship rewards program powering many popular Chase credit cards, including the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Chase Freedom Unlimited®. This proprietary rewards system offers unprecedented flexibility in how you earn and redeem points, with options ranging from travel bookings to statement credits.

The program's cornerstone is its points-earning structure, which varies across different Chase credit cards. While most cards offer at least 1 point per dollar spent on eligible transactions, many provide enhanced earning rates in bonus categories like dining rewards, travel rewards, and select streaming services.

More:

Best Ways to Use 60,000 Chase Ultimate Rewards Points in 2025: Complete Guide

Earning Chase Ultimate Rewards® Points

Basic Earning Methods

  • Regular Purchases: Earn 1-10 points per dollar spent depending on your card and spending categories
  • Sign-up Bonuses: Substantial welcome bonus opportunities when meeting minimum spending requirements
  • Bonus Category Spending: Enhanced earnings in rotating rewards categories or fixed bonus categories

Advanced Earning Strategies

  • Shopping Portals: Access the Chase credit cards mobile app and online shopping portal for bonus points
  • Referral Bonuses: Earn additional points by referring friends and family
  • Targeted Offers: Watch for promotional offers and seasonal bonus opportunities
  • Business Categories: Special earning rates for Chase for Business cardholders
An icon of a lightbulb
Kudos Tip
More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Maximizing Your Chase Ultimate Rewards

Strategic Card Combinations

Combining multiple Chase cards can amplify your earning potential. For example, pairing the Ink Business Preferred® Credit Card with the Chase Freedom Flex® allows you to maximize both business categories and rotating rewards categories.

Transfer Partners Program

One of the most valuable features is the ability to transfer points to airline or hotel partners at a 1:1 ratio. This flexibility often provides the highest point redemption value, especially for premium travel bookings.

More:

Maximizing Your Q1 2025 Credit Card Rewards: A Complete Guide with Kudos

Redemption Options and Value

Travel Redemptions

  • Direct booking through the Chase travel-booking tool
  • Transfers to travel partners
  • No blackout dates or travel restrictions
  • Enhanced value for Sapphire travel cards holders

Non-Travel Options

  • Statement credits at standard cash back rate
  • Gift card redemption with periodic bonus values
  • Shop with points program at various online retailers
  • Chase Dining and Chase Experiences exclusive access

Consider Using Kudos to Maximize Your Rewards

While Chase Ultimate Rewards® offers excellent value, combining it with Kudos can enhance your earning potential even further. Kudos is a free AI-powered browser extension that automatically recommends the best credit card to use for each purchase, ensuring you always maximize your rewards.

Currently, Kudos is offering $20 back after your first eligible purchase — simply sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Expert Takeaway

Chase Ultimate Rewards® stands out for its flexibility, transfer partners, and redemption options. Success with the program comes from understanding your card benefits, strategically using bonus categories, and taking advantage of card-to-card points transfers when available.

Chase Ultimate Rewards FAQ

How long do Chase Ultimate Rewards points last?

Points don't expire as long as your account remains open and in good standing.

What's the best way to use Chase Ultimate Rewards points?

Generally, transferring to travel partners or booking travel through the Chase portal offers the highest value.

Can I combine points from different Chase cards?

Yes, points can be combined across eligible Chase credit cards under the same account.

How do I avoid surprise fees when redeeming points?

Always review the terms and conditions before redemption, especially for travel bookings which may incur taxes and fees.

What's the typical cash back rate for point redemption?

The standard rate is 1 cent per point, though this can vary based on your card and redemption method.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
No items found.