Chase Ultimate Rewards Points Calculators

Travel Rewards Calculators
Calculate how many Ultimate Rewards Points you can earn with Chase credit cards based on spend, the cash value of points based on redemption, and the transfer of points to Chase's airline and hotel travel partners.

Ultimate Rewards At-A-Glance

Chase Points Value 0.6 to 2.1 cents
Number of Transfer Partners 13 travel partners

The Ultimate Rewards program is a flexible travel rewards program offered by Chase Bank. It is one of the most popular bank rewards programs due to the ability to transfer points to partners for high value redemptions.

Earn The Most Chase Points Per $1

Use these calculators and tools to find out which credit cards will earn you the most Ultimate Rewards points and best returns based on the monthly and yearly spend amounts you enter.

View the list of Chase point earning rates per $1 spent for all credit cards offered in the Chase Ultimate Rewards program.

Input your monthly and yearly spend amounts into our calculator to find out which Ultimate Rewards credit cards will earn you the most points per $1.

Chase Credit Card Points & Value Calculators

Use our credit card calculators to calculate how many Chase credit card points you can earn and the cash value of Ultimate Rewards credit cards based on the spend amounts you enter, how much you value card benefits, and annual fees.

You can also click on a card to learn more about it through our partners, when applicable.

  • 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 $900 toward travel 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 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 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.
  • 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®.

Chase Freedom Unlimited®

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 Flexâ„ 

Chase Freedom Flexâ„ 
  • 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.
  • 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.
  • Earn $750 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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Conversion & Transfer Calculators

Ultimate Rewards points can be transferred to 13 partners at a 1:1 ratio meaning that 1,000 Chase points can be converted to 1,000 airline miles or hotel rewards points.

Chase points can only be transferred to partners from the Chase Sapphire Reserve, Chase Sapphire Preferred, and Ink Business Preferred. If you want to transfer points from other Chase Rewards credit cards, you must first transfer your points to one of the aforementioned cards.

Get the full list of Chase transfer partners and calculate the transfer of Chase Ultimate Rewards points to airline miles and hotel rewards points.

World of Hyatt is one of the best Chase Ultimate Rewards transfer partners. Get the details on how to transfer points and calculate the conversion of Chase points to Hyatt points.

Use the conversion calculator to calculate the transfer of Chase Ultimate Rewards Points to Southwest Rapid Rewards points.

Use the conversion calculator to calculate the transfer of Chase Ultimate Rewards points to United Miles.

Use the conversion calculator to calculate the transfer of Chase Ultimate Rewards Points to JetBlue TrueBlue Points.

Use the conversion calculator to calculate the transfer of Chase Ultimate Rewards to Avios with British Airways, Iberia, and Aer Lingus.

Use the conversion calculator to calculate the transfer of Chase Ultimate Rewards Points to Marriott Bonvoy points.

Chase Points Value Calculators

The average value of Ultimate Rewards points will range from 1 to 1.5 cents per point depending on which Chase credit cards you own. Chase Sapphire Reserve points are worth 1.5 cents, Chase Sapphire Preferred points and Ink Business Preferred points are worth 1.25, and points earned with all other Chase Rewards credit cards are worth 1 cent each.

Transferring points to Chase's airline and hotel partners will typically offer the highest value and be the best use of Ultimate Rewards points. This can give you anywhere from 0.5 to 2 cents or more in value depending on which partner you transfer your points to and how you redeem them after they've been transferred.

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.

How Ultimate Rewards Credit Cards Compare To Others

The Chase Ultimate Rewards program is one of the best flexible travel rewards programs in the United States. Credit cards offered in the program are frequently compared alongside other top cards from leading rewards programs.

Check out our Value Comparison Calculators which shows side-by-side comparisons of earning rates, benefits, fees, and more. You'll also be able to calculate rewards for both cards side by side to find out which one earns you the most rewards and best return on your spend.

The Sapphire Reserve and Sapphire Preferred are Chase's main travel rewards credit cards. See how these cards stack up side-by-side and find out which one is best for you.

The Platinum Card is a luxury travel credit card that offers a large list of benefits including global lounge access, over $1,400 in annual credits, complimentary elite status with Marriott and Hilton, and much more. See how it stacks up against Chase's own premium credit card.

The American Express Gold Card is the top travel rewards card for foodies with it's high earning rates on restaurants purchases worldwide and at U.S. supermarkets.

Find out how the flat rate earnings of the popular Venture Rewards credit card stack against Chase's premium rewards credit card.

Points earned with the Chase Sapphire Reserve can be transferred directly to the JetBlue TrueBlue program, so is it the better option over the JetBlue Plus Card? Calculate rewards and find out.

The Chase Sapphire Preferred and American Express Gold Card are two of the best travel rewards credit cards from both programs. Find out how they stack up against each other.

The Venture Card is the most comparable Capital One credit card to the Chase Sapphire Preferred. Find out which one of these travel rewards cards will earn you the most travel rewards on everyday purchases.

Spend heavy across travel and dining? Find out which one of the credit cards earns you the best return on your spending.

Compare AMEX's popular trio against Chase's popular trio to find out which one earns you the best return.

FAQ

How do you earn Chase Ultimate Rewards points?

Ultimate Rewards points are earned for every dollar spent across eligible Chase rewards credit cards.

How are Chase Ultimate Rewards points can you earn per dollar?

Chase Ultimate Rewards points earn between 1X and 10X points for every dollar spent.

Can you transfer Chase Ultimate Rewards points to partners?

Chase points can be transferred to a handful of airline and hotel partners at a rate of 1,000 points for 1,000 airline miles or hotel rewards points. You must be a Chase Sapphire Reserve, Chase Sapphire Preferred, or Ink Business Preferred cardholder to transfer points to partners.

How many Chase Ultimate Rewards points do you need for a free flight?

This will depend on the Chase credit cards you have. A $300 flight booked through Chase Ultimate Rewards would cost a Chase Sapphire Reserve cardholder 20,000 points, a Chase Sapphire Preferred or Ink Business Preferred cardholder 24.000 points, and all other Chase Rewards credit cardholders 30,000 points.

How much are Chase Ultimate Rewards points worth?

On average, Chase Sapphire Reserve points are worth 1.5 cents, Chase Sapphire Preferred points and Ink Business Preferred points are worth 1.25 cents, and points earned with all other cards are worth 1 cent.

What's the best Chase credit card combination for frequent travelers.

The Chase Sapphire Reserve or Chase Sapphire Preferred combined with the Chase Freedom Unlimited and Chase Freedom Flex is the most popular 3-card combination for travelers.

Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards
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