Compare Chase Ultimate Rewards Credit Cards
Compare Chase's Ultimate Rewards credit cards, trifectas and card combinations side by side based on spend. Find out which cards earn the most points.
Chase offers three credit cards that you can use to earn Ultimate Rewards Points. Each card has good to superb benefits and are great for those who plan on using their earned rewards towards travel. The Chase Credit Card Points Calculator on this page will calculate how many Ultimate Rewards Points you can earn with these three cards as well as various combinations of these cards and Chase's cash back credit cards.
Before you dive head first into Chase's credit cards, you must first learn about Chase's 5/24 rule. If you have opened more than 5 new credit card accounts within the last 24 months (2 years), you will more than likely not be approved for a Chase credit card. This includes personal Chase cards as well as personal cards opened at other banks. All cards on this page falls under the Chase 5/24 rule along with other Chase credit cards:
If you're not sure of how many new accounts you've opened, you can sign up for a free Credit Karma account. It will show you how many new accounts you've opened and you can use that to see if you fall under the 5/24 rule.
Ultimate Rewards Cards
There are a total of three available Ultimate Rewards Credit Cards. You'll need to have at least one or more of these cards in order to have the ability to convert Chase cash back into Ultimate Rewards Points.
Chase Sapphire Reserve
The Chase Sapphire Reserve is the luxury/premium card in the bunch and has an annual fee of $550 per year. While the fee is on the high side, the card comes with $300 in annual travel credits that are good towards any travel purchase. That brings the true annual fee of this card down to $250 per year.
The Chase Sapphire Reserve earns 3 Ultimate Rewards Points per $1 on both travel and dining purchases and points earned with this card are easily redeemable towards travel for 1.5 cents each through the Chase Travel Portal thanks the 50% point boost the card grants. Due to Chase's partnership with Lyft, the Reserve also offers 10 Ultimate Rewards Points per $1 spent on Lyft making it the best credit card for Lyft spend hands down.
Tons of other benefits are stacked into this card which includes:
- $100 Global Entry/TSA PreCheck Credit
- Priority Pass Select
- Lyft Pink Membership
- DoorDash Credits & Benefits
- Luxury Hotel and Resort Collection
- Superb Travel Protection/Coverage
- Superb Purchase Protection/Coverage
Chase Sapphire Preferred
The Chase Sapphire Preferred is a big step down from the Sapphire Reserve. The card has a $0 fee the first year, and then will cost you $95 per year the second year then onward.
The Chase Sapphire Preferred earns 2 Ultimate Rewards Points per $1 spent on both travel and dining. The card also earns 5 Ultimate Rewards Points per $1 on Lyft purchases which is in line with all of the other Chase Cards outside of the Reserve. Points can be redeemed for 1.25 cents each through the Chase Travel Portal due to the card's 25% boost to point value on portal redemptions.
The Chase Sapphire Preferred offers great travel and purchase protection/coverage.
Chase Ink Business Preferred
The Chase Ink Business Preferred is the only business card that directly earns Ultimate Rewards Points. The annual fee is $95 and it's one of the best business cards on the market in terms of earning valuable rewards points.
The Chase Ink Business Preferred earns 3 Ultimate Rewards Points per $1 on travel, shipping, internet, phone, cable, and advertisement purchases along with 5 Ultimate Rewards Points per $1 on Lyft spend due to the Chase-Lyft partnership. Since this card earns 3x on travel, it's great alternative to the Chase Sapphire Reserve if you don't need the 3x on dining the Reserve offers.
Like the Sapphire Preferred, the Ink Business Preferred offers a 25% boost to points redeemed on the Chase Travel Portal which gives you an easy redemption value of 1.25 cents per point.
Cash Back Cards
Chase has four cash back credit cards. Cash back earned with Chase can be turned into Ultimate Rewards Points as long as you have one of the three Ultimate Rewards credit cards listed in the previous section. Rewards transfer at a rate of 1 cent in cash back for 1 Ultimate Rewards Point.
Chase Freedom Flex
The Chase Freedom Flex is a 5% cash back quarterly rotating category card that also features three non-rotating categories which are drugstore, dining, and purchases made through Chase's travel portal. It has no annual fee and I highly recommend picking up this card regardless of what combination of Chase credit cards you end up going with. Earning 5% cash back would be equal to earning 5x Ultimate Rewards Points.
Chase Freedom Unlimited
The Chase Freedom Unlimited earns 5% cash back on Chase Ultimate Rewards portal purchases and 3% cash back on dining, and drugstore purchases. The card also earns 1.5% cash back across all other purchases which makes it the best choice for miscellaneous purchases since all other Chase cards will earn either 1%/1x on non-category purchases.
Chase Ink Business Cash
The Chase Ink Business Cash is one of the best cash back business credit cards on the market. It earns a whopping 5% cash back on office supply store, cable, internet, phone, and Lyft spend. The Ink Business Cash also earns 2% cash back on gas station and restaurant spend. This is equal to 5x and 2x if you convert the earned cash back into Ultimate Rewards Points.
The Chase Ink Business Cash Card is a great alternative to the Chase Ink Business Preferred if you want to earn a higher rate on cable, internet, and phone purchases.
Chase Ink Business Unlimited
The Chase Ink Business Unlimited Card is a flat rate 1.5% cash back credit card. It is basically the business version of the Chase Freedom Unlimited. It's a great card for miscellaneous purchases as you'll earn 1.5%/1.5x versus earning 1%/1x with other Chase credit cards.
You can use this rewards comparison calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.
All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.