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Have Chase Points? Get iPhone 17 for 33% Off Before This Deal Ends Dec 7
July 1, 2025
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Save up to 33% on Apple products when you redeem Chase Ultimate Rewards points. Here's everything you need to know about the limited-time promotion.
Chase just launched one of its best promotions of the year for Apple shoppers. From November 11 through December 7, 2025, you can get up to a 50% bonus value when redeeming Chase Ultimate Rewards points for Apple products through Chase's shopping portal.
If you've been eyeing the new iPhone 17, AirPods Pro 3, or a MacBook upgrade, this is your chance to score significant savings using points you've already earned.
TL;DR:
- Reserve cardholders: Get 1.5 cents per point (50% bonus) = 33% discount
- Preferred cardholders: Get 1.25 cents per point (25% bonus) = 20% discount
- Freedom cardholders: Get 1.1 cents per point (10% bonus) = 9% discount
- Promotion ends December 7, 2025
- Must purchase through the Chase Ultimate Rewards Apple portal
How the Chase Apple Promotion Works
Bonus Tiers by Card Type
Your redemption value depends on which Chase card you hold:
Real-World Examples
iPhone 17 Pro (256GB) - $1,099 MSRP
- Sapphire Reserve: 73,267 points (instead of 109,900)
- Sapphire Preferred: 87,920 points (instead of 109,900)
- Freedom cards: 99,909 points (instead of 109,900)
MacBook Air M4 (256GB) - $999 MSRP
- Sapphire Reserve: 66,600 points (instead of 99,900)
- Sapphire Preferred: 79,920 points (instead of 99,900)
- Freedom cards: 90,818 points (instead of 99,900)
AirPods Pro 3 - $249 MSRP
- Sapphire Reserve: 16,600 points (instead of 24,900)
- Sapphire Preferred: 19,920 points (instead of 24,900)
- Freedom cards: 22,636 points (instead of 24,900)
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What's Included in the Promotion
The Chase Ultimate Rewards Apple portal includes the full range of Apple products:
✅ iPhone 17 lineup (iPhone 17, 17 Pro, 17 Pro Max, 17 Plus)
✅ MacBook Air & MacBook Pro (M4 models)
✅ iPad Pro, iPad Air, iPad mini
✅ Apple Watch (Series 11, Ultra 3, SE)
✅ AirPods (AirPods Pro 3, AirPods 4, AirPods Max)
✅ Apple TV, HomePod, AirTag
✅ Accessories (cases, chargers, cables, MagSafe)
✅ AppleCare+ (available at checkout)
How to Redeem Points for Apple Products
Step 1: Log into Chase Ultimate Rewards
Go to Chase.com and log into your account, then navigate to Ultimate Rewards.
Step 2: Go to "Shop With Points"
Click on "The Shops at Chase" and select the Apple store.
Step 3: Browse and Add to Cart
Select your desired Apple products. The promotional pricing is automatically applied - you'll see "Points are worth XX% more" at the top.
Step 4: Choose Payment Method.
At checkout, you can pay with:
- Points only - Redeem the full amount
- Points + cash - Use a combination (minimum 20% must be points)
Step 5: Complete Purchase.
Your order will be processed through Apple's authorized retailer network.
Pro Tips to Maximize This Deal
1. Pay Sales Tax with Your Card (Not Points)
The 50% bonus doesn't apply to sales tax. When checking out, only apply points to the product cost and pay tax with your credit card to avoid wasting points at 1x value.
Example: iPhone 17 Pro costs $1,099 + $98.91 tax = $1,197.91 total
- Redeem 73,267 points for the $1,099 phone
- Pay $98.91 in tax with your Sapphire Reserve
- You just earned 295 bonus points (3x on dining/travel) on the tax portion
2. Skip Products with Better Discounts Elsewhere
While this promotion is great for products Apple rarely discounts (like new iPhones), it may not be the best deal for items that go on sale:
Don't use this deal for:
- Base MacBook Air (frequently on sale for $750-850 vs $999 MSRP)
- Older iPad models (often 20-30% off at retailers)
- Apple Watches from previous generations
Do use this deal for:
- iPhone 17 lineup (no discounts anywhere)
- AirPods Pro 3 (brand new, no sales)
- Latest MacBook Pro models
- Apple Watch Ultra 3
3. Consider AppleCare+ Pricing
Chase's Apple portal offers 2-year AppleCare+ without Theft & Loss at a lower price than Apple's standard plan (which now includes theft/loss by default).
Example - iPhone 17 Pro:
- Apple Store: $269 for 2 years with Theft & Loss
- Chase Portal: $199 for 2 years without Theft & Loss (redeem for 13,267 Reserve points)
If you don't need theft coverage, this saves $70 - or even more with points.
4. Stack with Chase Shop Credit (if eligible)
If you have Chase's $250 Shop Credit (earned after spending $75,000+ on Sapphire Reserve), you can stack it:
- Redeem points for the product
- Charge at least $250 to your card
- Receive $250 statement credit
5. Use Kudos to Track and Optimize
Connect your Chase cards to Kudos to:
- Track your Ultimate Rewards balance in real-time
- Get alerts when promotional rates are available
- Compare redemption values across all your cards
- Never miss limited-time bonuses like this
Is This a Good Use of Chase Points?
When this promotion makes sense:
✅ You're buying a product at full price anyway (new iPhone, AirPods Pro 3)
✅ You have a large points balance you're not planning to use for travel
✅ You value simplicity over squeezing maximum value
✅ You need the product now and can't wait for potential sales
When you might want to pass:
❌ You can get better value transferring points to airline/hotel partners (1.5-2+ cents per point)
❌ The product will be heavily discounted soon (MacBook Air during Black Friday)
❌ You can access education pricing (students/educators get better Apple discounts)
❌ You have carrier upgrade deals available (often better than 33% off for iPhones)
The math:
- Sapphire Reserve redemption: 1.5 cents per point
- Average travel redemption value: 1.98 cents per point (per AwardWallet data)
- Premium cabin transfer value: 2-3+ cents per point
If you maximize travel redemptions, you're leaving value on the table. But if you don't travel frequently or need an Apple product now, 1.5 cents per point is solid.
Important Terms & Conditions
What You Need to Know
Promotion Period: November 11 - December 7, 2025 (purchases must be made by 11:59 PM ET on Dec 7)
Eligible Cards: All Chase Freedom, Sapphire, and Ink cardholders with active Ultimate Rewards accounts
Points + Cash: You can use a combination, but at least 20% must be paid with points (max 80% cash)
Returns & Warranties: Chase's Apple portal is a third-party retailer, not Apple directly. Return policies differ from Apple Store:
- Purchases are final unless defective or damaged
- No 14-day return window like Apple
- AppleCare+ still honored through Apple
Shipping: Standard shipping times apply. Expedited options available at checkout.
Trade-ins: Not available through the Chase portal. To trade in your old device:
- Complete your Chase portal purchase
- Trade directly with Apple for a gift card
- Use the gift card on future Apple purchases
Alternative Strategies
If You Don't Have Enough Points
1. Use Chase's "Pay Yourself Back" Feature
If you have recent eligible purchases on your account, use Pay Yourself Back to get statement credits, then buy directly from Apple with cash. This gives you:
- Apple's 14-day return policy
- Ability to use trade-in credits
- Same 1.5¢ redemption value (Sapphire Reserve) or 1.25¢ (Sapphire Preferred)
2. Buy Discounted Gift Cards + Points
- Purchase Apple gift cards at 10% off (through retailer sales)
- Combine with this promotion for even better savings
- Note: The Chase portal may not accept gift cards at checkout
If You Want Maximum Value
Transfer Chase points to travel partners instead:
Best transfer partners for high-value redemptions:
- Hyatt (1:1): Regularly get 2-3¢ per point at luxury properties
- United (1:1): Premium cabin awards at 1.5-2¢+ per point
- Southwest (1:1): Companion Pass opportunities
- Virgin Atlantic (1:1): Premium economy and business class to Europe
Bottom Line
The Chase Ultimate Rewards Apple promotion offers genuine savings on products that rarely go on sale. Reserve cardholders get the best deal at effectively 33% off, but even Freedom cardholders benefit from 9% savings.
Best use cases:
- iPhone 17 lineup (no discounts anywhere else)
- AirPods Pro 3 (brand new product)
- Apple Watch Ultra 3 (premium model)
- Any full-price Apple product you're buying anyway
Skip for:
- MacBook Air base models (better Black Friday deals likely)
- Older iPads (already discounted at retailers)
- If you regularly get 2+ cents per point from travel transfers
Remember, this promotion ends December 7, so don't wait if you're planning a purchase. And while 1.5 cents per point isn't the absolute maximum value for Chase points, it's a solid redemption for something you need now, especially when Apple products almost never go on sale.
Want to maximize every purchase? Create a free Kudos account to track your Chase points across all cards, get instant alerts for promotions like this, and automatically discover the best card to use at every merchant. Never leave money on the table again.
Frequently Asked Questions
Can I return products purchased with points?
Only if the item is defective or damaged. The Chase Apple portal doesn't offer the standard 14-day Apple return window. Make sure you're certain before purchasing.
Do I earn credit card rewards on the cash portion?
Yes! If you pay $500 cash + 50,000 points, you earn credit card points/cashback on the $500 charged to your card.
Can I use multiple Chase cards' points for one purchase?
Yes. Transfer points between your Chase cards first (if you have multiple), then make the purchase from the card with the highest bonus tier.
Does this work with the Apple Card?
No. You must purchase through Chase's portal, not Apple.com. The Apple Card's 3% cashback doesn't apply.
Can I combine this with my employer/education discount?
No. The Chase portal sells at MSRP. However, education discounts (typically 10-15%) might still be better than Freedom card rates (10%).
How long does shipping take?
Standard shipping is 5-7 business days. Expedited options available. During peak times (holidays), expect delays.
Will Apple honor warranty and AppleCare purchased through Chase?
Yes. Products purchased through authorized retailers are covered by Apple's standard 1-year warranty, and AppleCare+ is serviced directly by Apple.
What if I see an error at checkout?
The Chase portal has experienced high traffic. Try:
- Logging out and back in
- Clearing your browser cache
- Trying a different browser
- Waiting a few hours and trying again
Bottom Line
The Chase Ultimate Rewards Apple promotion offers genuine savings on products that rarely go on sale. Reserve cardholders get the best deal at effectively 33% off, but even Freedom cardholders benefit from 9% savings.
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