Credit Card Cash Back Calculators
Chase offers five cash back credit cards that earn Ultimate Rewards points that can be redeemed at a value of 1 cent each towards cash back and many other redemptions.
Click on a card to learn more or use our credit card cash back calculators to find out how much cash back you can earn with Chase based on the spend amounts you enter. Compare the results side-by-side any U.S. credit cards features on the site.
Chase Freedom Unlimited®
- Earns 5% back on travel purchased through Chase Ultimate Rewards, 3% back on drugstore purchases and dining at restaurants, and 1.5% back on all other purchases.
- Points can be redeemed for cash back or be transferred to the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred for increased value towards travel.
- No annual fee.
Chase Freedom Flex℠
- Earns 5% back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% back on travel purchases through Chase Ultimate Rewards, 3% back on drugstore purchases and dining at restaurants, and 1% back on everything else.
- Points can be redeemed for cash back or be transferred to the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred for increased value towards travel.
- No annual fee.
- Limited Time Offer! Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Earns 5% 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% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% back on everything else.
- Points can be redeemed for cash back or be transferred to the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred for increased value towards travel.
- No annual fee.
- Limited Time Offer! Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Earns an unlimited 1.5% back on all purchases.
- Points can be redeemed for cash back or be transferred to the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred for increased value towards travel.
- No annual fee.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
- Earn a total of 2.5% cash back on every purchase of $5,000 or more. That's $250 on a purchase of $10,000 when redeemed
- Earn an unlimited 2% cash back on all other business purchases.
Chase Travel Credit Cards
Chase offers three travel credit cards that earn Ultimate Rewards points as well. Points earned with these cards can be redeemed for increased value towards travel booked via Chase Ultimate Rewards. They can also be transferred to Chase's airline and hotel partners which can make your points worth as much as 2 cents or more.
The big benefit of the whole Chase ecosystem is that points earned with Chase's cash back credit cards can be transferred to Chase's travel credit cards (does not include the Ink Business Premier). This significantly bumps up the value of Chase's cash back credit cards.
Since most of Chase's cash back credit cards have no annual fee, they pair excellently with Chase's travel credit cards.
Here are Chase's three travel rewards credit cards:
- 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®.
- Earns 10X points on hotels and car rentals through Chase Ultimate Rewards®, 5X points on flights through Chase Ultimate Rewards, 3X points on other travel worldwide and dining at restaurants, and 1X points on everything else.
- Up to $300 in annual travel credit, Priority Pass Select membership, and a 50% boost to point value on travel booked through Chase Ultimate Rewards. Points can be transferred to Chase's airline and hotel partners.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Earns 5X points on travel purchases through Chase Ultimate Rewards, 3X points on dining, online grocery purchases, and select streaming services, 2X points on other travel purchases, and 1X points on everything else.
- Annual $50 hotel credit, 10% bonus points annually, and a 25% boost to point value on travel booked through Chase Ultimate Rewards. Points can be transferred to Chase's airline and hotel partners.
- 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®.
- Earns 3X points on the first $150,000 spent on travel and select business category purchases and 1X points on all other purchases.
- 25% boost to point value on travel booked through Chase Ultimate Rewards. Points can be transferred to Chase's airline and hotel partners.
Earning Rates Per $1 Spent
This table lists how many Ultimate Rewards points you can earn per $1 spent with Chase cash back and travel rewards credit cards. Remember that Ultimate Rewards points can be redeemed for 1 cent apiece towards cash back. This means that earning 5X points would be equal to earning 5% cash back.
You can click on a card to learn more about it and apply through our partners (when applicable) or use the calculator link to calculate total rewards for that individual card based on the spend amounts you enter. When calculating rewards, you will be able to compare any card side-by-side up to two additional cards.
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Chase Points Value Calculators
Regardless of which Chase credit card you have, you will be able to redeem points for at least 1 cent each towards cash back. If you have one of Chase's travel credit cards (Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred), the value of your points will range anywhere from 1.25 to 2 cents or more when redeemed for travel.
Chase points can be redeemed towards travel, gift cards, cash back, online purchases at checkout, and more. Find out how much value these redemptions offer and calculate the cash value of Chase points for each.
Calculate the average cash value of Ultimate Rewards points based on our valuations and find out if it's worth paying cash or redeeming points with our Redemption Value calculator.
