20 Best Ways to Earn Lots of Chase Ultimate Rewards Points.note¶

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20 Best Ways to Earn Lots of Chase

Ultimate Rewards Points

BY

FEBRUARY 8, 2019

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Chase Ultimate Rewards points rival American Express Membership Rewards Points as the “holy grail” of credit card rewards.

This is evidenced by the fact that offer everything you’d want from a rewards currency, including the ability to earn a lot of

points without limitsand the option to select from a wide variety of flexible redemption options.

Chase issues a powerful collection of 7 credit cards that earn Ultimate Rewards points, so there’s a card (or combination of cards) for every

spending profile, whether personal or business.

In fact, you may need a primer on just how many ways you can earn Ultimate Rewards points. So in this article, we’ll cover:

Let’s get started!

TABLE OF CONTENTS [ ]

Why Ultimate Rewards Points?

There are several types of reward currencies you can earn on credit cards, but the most valuable are those that have flexible redemption options

and are relatively easy to earn.

because they have both of those key characteristics.

Flexibility of Ultimate Rewards

Flexible redemption options for your Ultimate Rewards points result in rewards that you can actually use!

CHRISTINE KRZYSZTON

/ EARN POINTS

EARN FLEXIBLE POINTS

Advertiser Disclosure

Ultimate Rewards points

Why you’d want to earn Ultimate Rewards points

Which personal and earn Ultimate Rewards pointsbusiness Chase credit cards

All of the ways you can earn Ultimate Rewards points

SHOW

Ultimate Rewards points are valuable

Redeem rewards at any time, with no minimum or maximum redemption amount per transaction

to the loyalty programs of Chase’s travel partnersTransfer rewards

Transfer rewards between business and personal Ultimate Rewards accounts

Use a combination of points and cash for travel purchases

Have the option to redeem points for cash, gift cards, and more

1.

2.

Ease of Earning Ultimate Rewards

It’s easy to earn Ultimate Rewards points on your purchases when the mix of your spending matches up with the reward-earning categories on

your Chase credit card.

With all the ways available to earn Ultimate Rewards, you just may need some assistance sorting through all of the options.

Let’s take a look at which and the multitude of ways to earn them.

BOTTOM LINE:Earning a lot of valuable Ultimate Rewards points creates an asset that can be used to fund a family vacation, offset business

expenses, or redeem for immediate cash in an emergency.

Personal Credit Cards That Earn Ultimate

Rewards

There are 4 personal Chase credit cards that earn Ultimate Rewards. Each one has features, benefits, and earning structures that reward specific

spending patterns.

Every purchase made earns Ultimate Rewards points

Bonus category purchases earn up to 5X rewards

Generous sign-up bonuses jumpstart your earnings

Earn up to 20X Ultimate Rewards through the Chase shopping portal

Chase credit cards earn Ultimate Rewards points

CHASE CARD BENEFITS & INFO

t 60

Chase Sapphire Preferred® Card

How We Get $1k+ Value From Jusk Pts >

Earn 50,000 bonus points after you spend

$4,000 on purchases in the first 3 months

That's worth $625 toward travel when you

redeem through Chase Ultimate Rewards.

2X points on travel and dining at restaurants

worldwide.

$0 foreign transaction fees

Annual Fee: $0 the first year, then $95

Chase Freedom Unlimited® Earn $150 bonus after you spend $500 on

purchases in your first 3 months

Unlimited 1.5% cash back on every purchase -

it's automatic.

0% Intro APR for 15 months from account

opening on purchases & balance transfers, then

a variable APR of 17.24 - 25.99%.

Annual Fee: $0

Chase Sapphire Reserve® Earn 50,000 bonus points after you spend

$4,000 on purchases in the first 3 months from

account opening.

$300 Annual Travel Credit as reimbursement

for travel purchases charged to your card each

account anniversary year

3X points on travel immediately after earning

your $300 travel credit. 3X points on dining at

restaurants.

Access to 1,000+ airport lounges

worldwide after an easy, one-time enrollment in

Priority Pass™ Select

Annual Fee: $450

Chase Freedom®

Like the Chase Freedom Unlimited® card, the no-annual-fee Chase Freedom® earns cash-back in the form of Ultimate Rewards points that can be

redeemed for cash-back.

Where the Chase Freedom® card differs is that every purchase earns 1% cash-back, and earn 5% cash-back.

Each calendar quarter, a selection of bonus categories — such as department stores, , , wholesale clubs, and theaters (plus

others) — will earn 5% cash-back on up to $1,500 in purchases.

Business Credit Cards That Earn Ultimate

Rewards

If you have a business (small or large), there’s a that will match up with your business spending mix to earn the most

Ultimate Rewards points possible.

quarterly bonus categories

restaurantsgas stations

Chase business credit card

Ink Business Unlimited ℠ Credit Card

Although the earns cash-back rewards, that cash-back is initially earned as Ultimate Rewards points that can

be subsequently turned into cash-back.

With simplified earnings of 1.5% cash-back on every purchase, there’s no need to manage complicated bonus earning structures or register for

quarterly bonus programs.

The Ink Business Unlimited ℠ Credit Card with no annual fee serves as a simple yet effective vehicle for earning cash-back that goes directly to

your business’ bottom line.

Additionally, you have the option to transfer Ultimate Rewards earned on your Ink Business Unlimited ℠ Credit Card to a premium Chase credit

card, such as the or

You’ll then receive up to 50% more value when redeeming for travel in the Ultimate Rewards travel portal.

BOTTOM LINE:With 3 Chase Ultimate Rewards-earning business credit cards to choose from, it’s easy to find one that matches your business

spending patterns and earns the most rewards.

CHASE CARD BENEFITS & INFO

Card

Ink Business Preferred ℠ Credit Card

We Get $1,600+ of Value Using This >>

Earn 80,000 bonus points after you spend

$5,000 on purchases in the first 3 months

That's $1,000 toward travel when you redeem

through Chase Ultimate Rewards®

Earn 3 points per $1 on the first $150,000

spent in combined purchases in the following

categories each account anniversary

year: Travel, Shipping purchases, Internet,

cable and phone services, Advertising

purchases with social media sites and search

engines.

Get up to $600 per claim in Cell Phone

Protection against covered theft or damage for

you (and your employees listed on your monthly

cell phone bill) when you pay it with your

Chase Ink Business Preferred credit card.

Annual Fee: $95

iz O

Ink Business Cash ℠ Credit Card

21 Benefits This Card Offers B wners >>

Earn $500 bonus cash-back after you spend

$3,000 on purchases in the first 3 months

Earn 5% cash back on the first $25,000 spent

in combined purchases at office supply stores

and on internet, cable and phone services

Earn 2% cash-back on the first $25,000

(combined) spent at gas stations and

restaurants each year

0% introductory APR for 12 months on

purchases and balance transfers, then a variable

APR of 15.49% - 21.49%

$0 Annual Fee

Are you a business owner? For more detail, see our article, or in-

depth to make an ideal choice for your situation.

Chase business credit cards

business credit card guide

Ink Business Unlimited ℠ Credit Card

Chase Sapphire Reserve®Chase Sapphire Preferred® Card.

Chase personal credit cards earn Ultimate Rewards that can be used to fund a dream vacation. Image courtesy of Christine Krzyszton.

Earn Lots of Chase Ultimate Rewards With Chase

Personal Cards

There are plenty of ways to earn Ultimate Rewards with Chase personal credit cards. Whether your greatest spending is on , or

shopping at wholesale clubs, you’re going to earn rewards on every purchase.

Let’s take a look at all the ways to earn Ultimate Rewards points with Chase personal credit cards.

Earn a Sign-up Bonus

The fastest way to earn plenty of Ultimate Rewards points is to sign up for a Chase credit card that earns Ultimate Rewards points, complete

the initial spending requirement, and earn a welcome sign-up bonus.

All Chase credit cards that earn Ultimate Rewards points offer a welcome sign-up bonus, and some are occasionally quite generous. Although

offers can differ, the bonus is generally earned after reaching an initial spending level in the first 90 days after you are approved for the card.

Purchase Travel

Fortunately Chase defines travel very broadly, so nearly any travel-related purchase you make will earn extra rewards.

The merchant code assigned by the credit card network will determine eligibility, but Chase lists the following examples of purchases that qualify as

travel:

Let’s take a look at the earning power of making travel purchases with your personal Chase credit card.

travel,dining out

Airlines

Hotels and motels

Timeshares

Car rental agencies

Cruise lines

Travel agencies and discount travel sites

Campgrounds

Passenger trains

Buses, limos, taxis, ferries

Parking lots/garages

Highway and bridge tolls

While the Chase Sapphire Reserve® offers the highest rewards for travel purchases (and for redemption), it does come with a $450 annual fee.

The offers a respectable 2 points per $1 spent on travel, has a lower $95 annual fee (which is waived the first

year,) and still delivers 25% more value when redeeming points for travel on the

BOTTOM LINE:If you have a premium Chase Ultimate Rewards-earning credit card, you can transfer Ultimate Rewards points to those accounts

and redeem for greater value (up to 50% more) through the Chase travel portal.

Use the Chase Travel Portal

While many use the Chase travel portal for redeeming their Ultimate Rewards points, you can also earn points by purchasing travel via the portal.

A convenient way to do this is to pay for a portion of your travel purchase with Ultimate Rewards Points and the remainder using your Chase credit

card. You will earn the corresponding Ultimate Rewards points for the amount of travel charged on your card.

Buy Groceries

The earns 1.5% cash-back on every purchase, making it a good choice for everyday purchases including groceries.

Pay for your meal with your Chase credit card and earn lots of Ultimate Rewards points. Image courtesy of Shutterstock.

Dine Out

Dine out a lot? Several Chase credit cards earn elevated rewards on purchases made at restaurants.

Chase Personal Credit Card for Travel

Purchases Rewards

Chase Sapphire Reserve® 3 points per $1 spent

Chase Sapphire Preferred® Card 2 points per $1 spent

Chase Freedom Unlimited® 1.5% cash-back

Chase Freedom® 1.0% cash-back

Chase Sapphire Preferred® Card

Chase travel portal.

Chase Freedom Unlimited®

Fill up the Tank

The Chase Freedom Unlimited® earns 1.5% cash-back on every purchase, including purchases made at gas stations.

Pay Your Household Bills

Since all Chase Ultimate Rewards credit cards earn rewards on every purchase, you’ll earn points for paying all of your household expenses.

Earn 5% cash-back at quarterly bonus merchants. Image courtesy of Chase.

Earn on Quarterly Bonus Spending Categories

The Chase Freedom® card has a unique earning structure, with quarterly bonus categories that earn 5% cash-back!

Each quarter there’s a different lineup of bonus category merchants. Previous bonus merchants have included department stores, restaurants, gas

stations, wholesale clubs, and theaters. There is a limit of $1,500 in purchases per quarter that earn 5%.

Use the Chase Pay App

is a digital payment method that allows you to use your smartphone to make payments at checkout when making a purchase.

Best Personal Chase Card for DiningRewards

Chase Sapphire Reserve® 3 points per $ spent

Chase Sapphire Preferred® Card 2 points per $ spent

Chase Freedom Unlimited® 1.5% cash-back

Personal Chase Card for

Paying Household BillsBonus Spending CategoryRewards

Chase Sapphire Reserve®All purchases 1 point per $1 spent

Chase Sapphire Preferred® Ca

rd All purchases 1 point per $1 spent

Chase Freedom Unlimited®All purchases 1.5% cash-back

Chase Pay

There are frequent promotions that allow you to earn bonus points for utilizing the Chase Pay App. For example, some promotions reward you for

making a specific number of purchases in a limited period of time, or making purchases at selected merchants.

Currently available only for personal credit cards, Chase Pay doesn’t accept , business debit cards, or Mastercard.

Every purchase your business makes can earn Ultimate Rewards points with a Chase business credit card. Image by Christine Krzyszton.

Earn Lots of Chase Ultimate Rewards Points With

Chase Business Credit Cards

Pay for Travel Expenses

If your business involves a lot of travel, those expenses add up quickly. Earning Ultimate Rewards on those purchases delivers tremendous value

back into your business — or can help fund that much-needed family vacation.

HOT TIP:The definition of “travel” for Chase purchases is the same for personal and for business credit cards.

Whether you’re purchasing an airline ticket, staying at an urban , or taking a taxi across town, all your travel-related purchases earn 3 points

per dollar spent on the Ink Business Preferred ℠ Credit Card.

Earning Through the Chase Travel portal

Redeeming your Ultimate Rewards points through the Chase Travel portal with the gives you 25% extra

value. Additionally, you can purchase travel via the portal and earn 3 points per dollar spent.

The Ultimate Rewards travel portal also allows you to pay partially with points and the remainder with your Chase credit card.

business credit cards

Chase Business Credit Card for Travel

Expenses Rewards for Travel Purchases

Ink Business Preferred ℠ Credit Card 3 points per $1 spent

Ink Business Unlimited ℠ Credit Card 1.5% cash-back

Ink Business Cash ℠ Credit Card 1 % cash-back

Airbnb

Ink Business Preferred ℠ Credit Card

Pay Other Business Expenses

Your business has a lot of different expenses that may or may not fall into a particular bonus-earning category. Selecting the

that closely matches your largest expenses will ensure you’re earning maximum rewards.

Here’s a sample of how Chase business credit cards earn on common business expenses.

HOT TIP:If your business maximized the $150,000 limit for 3X earnings on the , your business would realize

$5,625 worth of travel when redeeming points through the Ultimate Rewards travel portal!

Purchase Gift Cards

Many Ultimate Rewards bonus category merchants (such as office supply stores and gas stations) sell gift cards you can purchase to use for non-

bonus category spending.

For example, you can purchase grocery store, gas, hotel, and department store gift cards and receive the elevated 3%-5% bonus earning on the

purchase.

Dine Out

All those restaurant business meetings, late night hotel dinners, and quick bites during your road trip could be earning Ultimate Rewards points too!

Use these business Chase Ultimate Rewards-earning credit cards for multiple rewards per dollar spent on dining.

Fill Up the Tank

The Ink Business Cash ℠ Credit Card is your go-to card for gas purchases. If you’re a road warrior, know that you’ll be earning 2 points for every

dollar spent at the pump.

Using the Ink Business Unlimited ℠ Credit Card would also be a good option, as it earns 1.5% on every purchase (including gas)!

Earn multiple Ultimate Rewards points per $1 spent in the Ultimate Rewards shopping portal. Image courtesy of Chase.

business credit

card

Chase Business Card Business Expense

Categories Business Expense Rewards

Ink Business Cash ℠ Credit Car

d

Office supplies, internet, cable,

phone

5% cash-back, maximum

$25,000 in purchases in 5%