Chase Ultimate Rewards Points Calculators

Chase Points Calculators. Calculate total earnings based on spend, transferring to partners, and the dollar value of Ultimate Rewards Points.

Program Details

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 that allows you to transfer earned rewards to hotel and airline programs.

Credit Card Rewards Calculators

The Chase Ultimate Rewards Credit Card Calculators will calculate how many Ultimate Rewards Points you can earn based on your monthly/yearly spend across categories. Each calculator will also output the cash value of the card based on spend, how much you value the card benefits, and annual fees.

Compare credit cards side by side based on monthly/yearly spend, card benefits and the annual fee.

You can compare the results side by side any credit cards featured on the site to find out which earns you the most rewards and the best return. If cookies are enabled, all spend entered (primary/first column only) will carry over to all credit card calculators on the website.

Best Credit Cards For Chase Points

If you want to find out which Chase Ultimate Rewards Credit Cards will earn you the most points based on your spend, you can use the Best Credit Cards For Ultimate Rewards Points Calculator. This calculator also lists card combinations such as trifectas a mix of Ultimate Rewards and Chase cash back credit cards.

Chase Credit Card Calculators

Chase offers three Ultimate Rewards Point earning cards consisting of two personal/consumer cards and one business card. The Chase Sapphire Reserve is Chase's premium travel card and offers a bunch of elite travel benefits and a great return on Lyft, travel, and dining spend. The Chase Sapphire Preferred is an entry level card and is a decent choice if you don't spend or travel enough to make the Reserve worth it. Lastly, the Chase Ink Business Preferred is the program's only business card and offers a great return across many business categories including travel.

Chase Cash Back Cards UR Calculators

Cash back earned with Chase's cash back credit cards can be redeemed as Ultimate Rewards Points if you have an Ultimate Rewards credit card. This significant boosts the value of Chase's cash back cards since you'll be earning points that are redeemable for 1.25/1.5 cents or higher. In order to maximize your earnings in the Chase Ultimate Rewards program, Chase's cash back cards are essential, especially since they all have no annual fee.

The calculators below allow you to calculate rewards as Ultimate Rewards Points instead of cash back. You can visit the Chase Cash Back Calculators page to calculate cash back with the cards listed below.

Chase Combos & Trifectas

If you own a Chase Ultimate Rewards credit card, you'll be able to convert Chase cash back into Ultimate Rewards Points at a 1 cent for 1 point ratio. This opens up Chase's 4 no-annual fee cash back credit cards for you to use and maximize your earnings in the Chase Ultimate Rewards program. Calculate how many points you can earn with different combinations of Chase's or learn more about Chase's cash back credit cards.

Credit Card Comparison Calculators

Comparison Calculators features side by side comparisons of frequently compared credit cards and groups of credit cards. Per the usual, you will be able to calculate total rewards and the cash value of the cards based on monthly/yearly spend, how much you value the card benefits, and any annual fees the card may have. For these calculators, you will only be able to compare results against the cards featured in the comparison.

Redeeming Rewards & Cash Value

The best value you can obtain redeeming your Ultimate Rewards Points directly with Chase will come from using them on the Chase Ultimate Rewards Travel Portal. Using the portal you can get an easy 1.25 to 1.5 cents per point value depending on which UR-earning credit card you have.

In addition to redeeming your points on the travel portal, you can also redeem them for gift cards, cash back, Apple merchandise, and even at checkout with Amazon.

Transfer Partners

Chase Ultimate Rewards Points can be transferred to more than 10 airline and hotel partners. This allows you to easily build frequent flyer miles or hotel loyalty points in other programs by earning points with Chase and then transferring your earned points to the loyalty program of your choosing. Transferring your points to partners gives you the chance to obtain point values higher than the 1.5 cents per point max you can obtain through the Chase Ultimate Rewards Portal.

Earning Rewards

Ultimate Rewards Points, commonly referred to as UR Points, can only be earned using Chase Ultimate Rewards Credit Cards. You can also convert cash back earned with Chase into Ultimate Rewards Points if you have at least one Ultimate Rewards Credit Card tied to your account. You cannot transfer rewards to the Ultimate Rewards Point program and you cannot earn points outside of dealing with Chase Bank.


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