Chase Final Rewards factors, a bank card rewards foreign money, give cardholders entry to among the finest resort and airline redemption switch companions within the factors and miles enterprise. Plus, Chase Journey℠, the issuer’s easy-to-use journey portal, lets you redeem your factors for bookings like rental automobiles, motels, flights, excursions and actions.
Regardless of growing competitors from American Specific Membership Rewards, Citi ThankYou Rewards, Capital One miles, Bilt Rewards and Wells Fargo Rewards, Chase Final Rewards has maintained its place as probably the most beneficial and helpful transferable currencies.
Restricted time supply: Chase Sapphire Most popular® Card — highest-ever – Earn 100,000-point bonus after spending $5,000 on purchases inside the first three months of account opening (see charges and costs).
If you happen to’re able to get critical about touring extra for much less, this is all the pieces you want to find out about easy methods to earn, redeem and switch your Chase Final Rewards factors.
What are Chase Final Rewards factors?
Final Rewards factors are the foreign money of choose Chase-branded bank cards and a favourite bank card rewards foreign money right here at TPG. You possibly can earn Chase Final Rewards factors for on a regular basis spending on sure playing cards after which redeem them for a variety of rewards. TPG values Chase factors at 2.05 cents apiece per our April 2025 valuations, largely as a result of you possibly can switch these versatile factors to varied journey companions to maximise their redemption worth.
Associated: The last word information to bank card utility restrictions
How do I earn Chase Final Rewards factors?
There are numerous methods to earn these beneficial factors at charges of 1 to 10 factors per greenback spent, relying on the Chase bank card you carry and the kind of buy. Nevertheless it’s essential to grasp two forms of Chase bank card rewards: Final Rewards factors and money again.
The primary three playing cards under earn absolutely transferable Final Rewards factors all by themselves, whereas the remaining 4 are technically billed as cash-back bank cards. Nonetheless, in case you have an Final Rewards points-earning card, you possibly can mix your Chase Final Rewards in a single account, successfully changing your cash-back rewards into absolutely transferable factors. For that reason, having a couple of Chase card could make sense to maximise your incomes and redeeming potential.
Listed here are the seven playing cards that mean you can earn Chase Final Rewards factors.
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Chase Sapphire Most popular Card
Welcome supply: You may earn 100,000 Chase Final Rewards factors after spending $5,000 on purchases within the first three months of account opening. This is without doubt one of the finest welcome presents we have ever seen on this card, to $2,050 primarily based on our valuations.
Why you need it: The Chase Sapphire Most popular® Card is a improbable all-around journey bank card. In addition to incomes bonus factors on journey (amongst different classes), it comes with no overseas transaction charges and lots of journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automobile rental insurance coverage.
Annual price: $95
Software hyperlink: Chase Sapphire Most popular Card (see charges and costs)
Chase Sapphire Reserve
Welcome supply: You may earn 60,000 Chase Final Rewards factors after spending $5,000 on purchases within the first three months from account opening. That is price $1,230, in response to our valuations.
Why you need it: Put merely, you need the Chase Sapphire Reserve® for its incomes energy and its journey perks that may simply cowl the annual price. These embody an easy-to-use annual journey credit score price $300, a price credit score for World Entry or TSA PreCheck (as much as $120 as soon as each 4 years) and Precedence Go Choose lounge entry, in addition to entry to the rising listing of recent Sapphire lounges.
Annual price: $550
Software hyperlink: Chase Sapphire Reserve (see charges and costs)
Ink Enterprise Most popular Credit score Card
Welcome supply: You may earn 90,000 Chase Final Rewards factors after spending $8,000 on purchases within the first three months from account opening.
Why you need it: The Ink Enterprise Most popular® Credit score Card is without doubt one of the finest bank cards for small-business house owners, providing bonus factors on the primary $150,000 spent in mixed purchases on journey, delivery, web, cable and cellphone companies, and promoting made with social media websites and serps every account anniversary yr.
Annual price: $95
Software hyperlink: Ink Enterprise Most popular Credit score Card (see charges and costs)
Ink Enterprise Money Credit score Card
Welcome supply: Earn as much as $750 money again: $350 bonus money again after spending $3,000 on purchases within the first three months and a further $400 while you spend $6,000 on purchases within the first six months from account opening.
Why you need it: The Ink Enterprise Money® Credit score Card earns bonus money again on classes like fuel stations, eating places, workplace provide shops and web, cable and cellphone companies. You possibly can convert these earnings to Final Rewards factors in case you have one of many three rewards playing cards talked about above.
Annual price: $0
Software hyperlink: Ink Enterprise Money Credit score Card (see charges and costs)
Ink Enterprise Limitless Credit score Card
Welcome supply: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Why you need it: The Ink Enterprise Limitless® Credit score Card earns limitless 1.5% cash-back rewards on each buy. These cash-back earnings might be transformed to Chase Final Rewards factors in case you have one of many points-earning playing cards listed above, that means your small enterprise can basically earn 1.5 factors per greenback spent on all prices made with this card.
Annual price: $0
Software hyperlink: Ink Enterprise Limitless Credit score Card (see charges and costs)
Chase Freedom Flex
Welcome bonus: Earn $200 money again after you spend $500 within the first three months of account opening.
Why you need it: The Chase Freedom Flex® earns 5% money again on choose bonus classes that rotate each quarter (on as much as $1,500 in mixed spending; activation required). You possibly can convert these rewards to beneficial Chase Final Rewards factors in case you even have a points-earning bank card.
Annual price: $0
Software hyperlink: Chase Freedom Flex (see charges and costs)
Chase Freedom Limitless
Welcome supply: Earn $250 money again after you spend $500 within the first three months of account opening.
Why you need it: The Chase Freedom Limitless® earns a minimum of 1.5% money again on all purchases, making it an excellent selection for spending in nonbonus classes like pet bills and residential enchancment. These earnings might be transformed to beneficial Chase Final Rewards factors in case you have one of many points-earning playing cards listed above.
Annual price: $0
Software hyperlink: Chase Freedom Limitless (see charges and costs)
Do Chase Final Rewards factors expire?
Chase Final Rewards factors don’t expire, supplied you retain a minimum of one card that earns Final Rewards factors open. If you happen to cancel your whole Final Rewards playing cards, you should redeem or switch your factors earlier than closing the final card. In any other case, you’ll forfeit the factors.
What are Chase Final Rewards factors price?
TPG values Chase Final Rewards factors at 2.05 cents apiece per our April 2025 valuations. That is largely because of the array of beneficial switch companions like World of Hyatt and United MileagePlus, as these choices provide you with loads of flexibility in your redemptions, making Chase’s bank card rewards an excellent ecosystem for vacationers.
Nonetheless, you will get various values for Chase factors in case you pursue different redemption alternatives. For instance, Final Rewards factors are price 1.5 cents apiece by Chase Journey for Sapphire Reserve cardholders and 1.25 cents for these with the Sapphire Most popular or Ink Enterprise Most popular card. You may even have entry to Chase Pay Your self Again as a cardholder of any of the above playing cards, and there are often presents to redeem Chase factors for merchandise or reward playing cards at an enhanced worth.
Lastly, Chase factors are price 1 cent apiece if used for easy money again.
Tips on how to redeem Chase Final Rewards factors
When redeeming Chase Final Rewards factors, you’ve three primary choices:
- Fastened-value, nontravel redemptions (e.g., money again, reward playing cards and Apple merchandise)
- Fastened-value Chase Journey bookings
- Transfers to journey companions
The “finest” choice is determined by your journey wants. Factors are right here to avoid wasting you cash, and you must use them because it fits you. That being mentioned, you must intention for the very best worth each time attainable. This is a have a look at your choices for redeeming Chase bank card rewards.
Switch to journey companions
Chase Final Rewards presents 14 switch companions, together with 11 airways and three resort packages. All switch ratios are 1:1 (although there are occasional switch bonuses), and you should switch factors in 1,000-point increments. As a result of most transfers are instantaneous, you possibly can maintain your Chase factors in your Final Rewards account till you’re able to switch them, which gives wonderful flexibility.
Transferring Final Rewards factors to journey companions is commonly probably the most beneficial solution to redeem your hard-earned factors. Our favourite candy spots embody:
- High-tier Hyatt motels: The World of Hyatt award chart is cheap in comparison with many opponents. You possibly can guide among the most upscale Park Hyatt properties in your complete portfolio, together with the Park Hyatt Maldives Hadahaa and the Park Hyatt London River Thames, for 25,000 factors per night time throughout off-peak dates. Since these motels routinely promote for near $1,000, you possibly can simply get a minimum of 4 cents per level. There’s additionally nice worth on the decrease finish of the Hyatt award chart. Class 1 motels vary from 3,500 to six,500 factors per night time, relying on peak, commonplace and off-peak pricing.
- Iberia flights to Madrid: Spherical-trip flights from New York’s John F. Kennedy Worldwide Airport (JFK), Chicago’s O’Hare Worldwide Airport (ORD) and Boston Logan Worldwide Airport (BOS) to Spain’s capital will solely set you again 34,000 Avios in off-peak blue-class economic system, 50,000 factors in off-peak premium economic system or 68,000 factors in off-peak enterprise class while you switch your Chase factors to Membership Iberia Plus (previously often known as Iberia Plus). Contemplating that the majority airways cost a minimum of 60,000 miles for a one-way business-class award to Europe, you are basically getting a 50% low cost.
- Quick-haul flights to Canada: Air Canada’s Aeroplan program now makes use of dynamic pricing for Air Canada flights and a few accomplice airways. In consequence, you possibly can typically discover super-cheap short-haul tickets from the U.S. to Canada. For instance, a flight from JFK to Toronto Pearson Airport (YYZ) might be booked for beneath 6,000 factors one-way on many dates.
Associated: 10 finest methods to make use of 100,000 Chase Final Rewards factors
E book by way of Chase Journey
You possibly can guide by the Chase Journey portal and redeem factors for aircraft tickets, resort stays, rental automobiles, cruises or experiences at a hard and fast money worth per level.
As a Chase Sapphire Most popular or Ink Enterprise Most popular cardholder, you possibly can redeem factors by Chase Journey for 1.25 cents apiece. When you have the Chase Sapphire Reserve, your factors are price 1.5 cents every towards journey redemptions within the portal. When you have a Chase Freedom Flex, Ink Enterprise Limitless Credit score Card, Ink Enterprise Money Credit score Card or Chase Freedom Limitless, all factors are price 1 cent every.
Nonetheless, as famous beforehand, in case you have a number of playing cards incomes Chase Final Rewards factors, you possibly can mix your factors into the account with the very best worth for Final Rewards bookings. For instance, your factors earned with the Chase Freedom Flex might be moved to your Sapphire Reserve account, thus growing their worth from 1 to 1.5 cents apiece. This can be a beneficiant supply from a bank card program.
If yow will discover cheap airfare by way of Chase Journey, utilizing your factors for these flights could make sense to avoid wasting money. Plus, within the eyes of the airline, tickets booked this manner are basically the identical as paid fares, that means you will nonetheless earn airline miles and elite standing credit.
Within the case under, spending 2,973 Final Rewards factors from a Sapphire Reserve account to fly from Newark Liberty Worldwide Airport (EWR) to Fort Lauderdale-Hollywood Worldwide Airport (FLL) is not too shabby.
You may also think about the journey portal choice in case you solely have a handful of Final Rewards factors left since Chase allows you to redeem factors to cowl even only a portion of the journey value. You’d then pay the remaining steadiness with money.
Lastly, this can be a respectable choice for automobile leases, nonchain lodging and when money charges make spending factors by switch companions a foul worth. The resort choices are fairly different, starting from distinctive unbiased properties to chain motels. Bear in mind that in case you guide a resort that participates in a significant loyalty program by Chase, you possible will not earn resort factors or be capable of make the most of any elite standing perks.
Nonetheless, The Edit by Chase Journey now allows you to earn resort factors and elite advantages at choose properties. This lets you double dip, incomes rewards by the resort program and bonus Chase Final Rewards factors. Plus, reserving by The Edit offers you entry to extra perks like complimentary breakfast, room upgrades, late checkout and an as much as $100 property credit score.
Get pleasure from fixed-value, nontravel redemptions
You possibly can redeem Chase Final Rewards factors for a press release credit score or financial institution deposit at a flat fee of 1 cent every, and this fee additionally applies to reward playing cards and Apple merchandise (outdoors of a limited-time particular).
Nonetheless, with Chase Pay Your self Again, you possibly can redeem factors for money again at a fee of 1 to 1.5 cents every, relying in your card. This redemption fee is legitimate on assertion credit towards rotating buy classes. You should definitely try our article on the present Chase Pay Your self Again classes.
Lastly, you may also hyperlink your eligible Chase playing cards to your Amazon account and pay for purchases with the Store with Factors program. Nonetheless, you’ll solely obtain a price of round 0.8 cents per Final Rewards level, so we do not advocate this redemption.
You may typically get a lot better worth out of Chase’s bank card rewards with this system’s switch companions and Chase Journey bookings.
Backside line
Chase Final Rewards is one among our favourite bank card rewards packages at TPG. It lets you earn bonus factors on many on a regular basis spending classes — like airfare, motels, eating and groceries — and select from a variety of redemption choices. For extra inspiration, try a few of our favourite Chase Sapphire Most popular redemptions and high methods to redeem Chase factors for resort stays.
Remember that the Chase Sapphire Most popular is providing the highest-ever welcome bonus of 100,000 Final Rewards factors while you spend $5,000 on purchases inside the first three months of account opening, making now the right time to use for this high journey rewards card.
