Chase Points Calculator: Chase Ultimate Rewards

Chase Points Calculators for earning with credit cards, transferring to travel partners, and calculating the cash value of Chase Ultimate Rewards Points.

The Ultimate Rewards Program is a bank rewards program offered by Chase Bank. It is one of the most popular bank rewards programs alongside American Express Membership Rewards and Citi ThankYou Rewards. It is one of the few major bank rewards programs in the U.S. that allows you to transfer rewards to frequent flyer and hotel loyalty programs.

Chase Ultimate Rewards Credit Card Point Calculators

Chase offers three Ultimate Rewards Points credit cards consisting of two personal credit cards and one business credit card.

Outside of the great returns on spending, these cards offer a point value boost of 25%-50% when redeeming through Chase Travel which gives you an easy redemption value of 1.25 to 1.5 cents per point.

You can also transfer points to a handful of airline and hotel partners for the chance at even more value.

Chase Sapphire Reserve®
Chase Sapphire Reserve
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rates
10X
Earn 10x total points on Chase Dining purchases with Ultimate Rewards®.
10X
Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5X
Earn 5X total points on air travel through Chase Ultimate Rewards®.
3X
Earn 5X total points on air travel through Chase Ultimate Rewards®.
1X
Earn 1 point per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Backâ„ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%
Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on online grocery purchases, select streaming services, and dining.
2X
Earn 2X points on all other travel purchases.
1X
Earn 1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred Credit Card
Intro Bonus
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Chase Cash Back Credit Cards

Chase offers four no-annual fee cash back credit cards which consists of two personal cards and two business cards. Rewards earned with these cards are displayed as Ultimate Rewards Points which can be redeemed for 1 cent each towards cash back.

Keeping that in mind, you can pair Ultimate Rewards credit cards (Sapphire Reserve, Sapphire Preferred, and Ink Preferred) with Chase's cash back credit cards to bump up the value of points earned with their cash back cards by 25% or 50%.

You'll also be able to transfer your earned points to Chase's airline and hotel partners. This bumps up the overall value of Chase's cash back credit cards significantly.

If you're looking to use Ultimate Rewards Points for travel, you'll want to grab up at least one Ultimate Rewards credit card and pair that with as many of Chase's cash back credit cards as you see fit (they all have no annual fee).

You can calculate the cash value of Chase's cash back credit cards using the calculators below. You can check out the Chase Trifecta Calculators if you're looking for good ideas for great card combinations or use the Credit Card Comparison Tool to build your own combinations.

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1%
Earn 1% on all other purchases.
Main Card Highlights
  • Enjoy new 5% categories each quarter!
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Main Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Chase Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Chase Credit Card Trifectas & Combos

There's many different combinations of Chase credit cards you can come up with between Chase's Ultimate Rewards credit cards and Chase's cash back credit cards. You can use the Chase Trifecta Calculator to calculate how many points you can earn with different combinations and get an idea of which combo might work best for you. If you don't see a combination you like, you can build your own combination of Chase credit cards using the Credit Card Comparison Tool.

Calculate how many Ultimate Rewards Points you can earn with popular 2- and 3-card combinations of Chase credit cards. Consists of Chase Ultimate Rewards and cash back credit cards.

Chase Comparison Calculators

Get a side by side comparison of Ultimate Rewards credit cards along side other top travel cards and calculate how the cash value based on spend, benefits, and fees.

Chase Points Calculators

Maximize your rewards with Chase. Get our picks for the best Chase credit cards and calculate which cards will earn you the best return based on your spend.
Calculate the cash value of Chase Ultimate Rewards Points based on redemptions. Details on the best ways to maximize your point value.
Calculate the transfer of Chase Ultimate Rewards Points to airline and hotel programs and get the full list of transfer partners.

Other Chase Calculators

Chase offers four no-annual fee cash back credit cards that have significantly increased value when paired with Ultimate Rewards credit cards. Get the details and calculate cash back.
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