Chase Final Rewards factors are the forex of most Chase-branded bank cards. You may earn Chase Final Rewards factors for on a regular basis spending after which redeem them for a variety of rewards.
Regardless of rising competitors from American Specific Membership Rewards factors, Citi ThankYou Rewards factors, Bilt Rewards Factors, Wells Fargo Rewards factors and Capital One miles, Chase factors have maintained their place as one of the useful and helpful rewards currencies — particularly with useful rewards playing cards just like the Chase Sapphire Most popular® Card (see charges and costs) and the Chase Sapphire Reserve® (see charges and costs).
Provide ending quickly: Earn 100,000 bonus factors with the Chase Sapphire Most popular after spending $5,000 on purchases inside the first three months from account opening.
Transferring Final Rewards factors to journey companions is commonly probably the most useful strategy to redeem your hard-earned rewards. With 14 totally different switch companions, you’ve got loads of choices.
Right here is the whole lot to learn about Chase Final Rewards’ switch companions.
Associated: 10 greatest methods to make use of 100K Chase factors: From first-class flights to all-inclusive getaways
Who’re the Chase Final Rewards switch companions?
You may switch Final Rewards factors to 11 airline packages:
Chase additionally companions with three resort packages:
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All switch ratios are 1:1 — although there are occasional switch bonuses — and you have to switch factors in 1,000-point increments.
How lengthy do Chase Final Rewards transfers take?
Observe that switch bonuses will also be inconsistent. For instance, when TPG’s Senior Editorial Director Nick Ewen transferred factors to Aeroplan to make the most of a (on the time) 20% bonus, the bottom factors arrived instantly, however the bonus factors took three days to publish to his account.
Whereas most transfers by means of the Chase portal needs to be instantaneous, delays can occur when transferring your factors. To assist with the switch course of, we suggest ensuring that the identify in your Final Rewards account matches that in your loyalty program account. Moreover, ensure you have signed up with a loyalty program upfront, as a brand new account can also trigger a delay within the switch course of.
How do I switch Chase Final Rewards factors to companions?
You may simply switch Chase factors on-line. First, log in to your Chase account and navigate to the Final Rewards portal. Underneath the “Journey” drop-down, choose “Switch factors to companions” to entry the primary switch web page.
You’ll then see the listing of switch companions and any present switch bonuses. Choose your required switch associate, hyperlink your exterior account if in case you have not already achieved so, choose the variety of Final Rewards factors you want to switch after which submit the switch.
Keep in mind, Final Rewards transfers can’t be reversed, so it is best to attend till you’ve got a particular redemption you wish to make earlier than transferring them.
What are the most effective Chase Final Rewards switch companions?
Should you favor to switch your factors to one of many 11 totally different airline program companions, the most effective redemption choices for you possibly can range, relying on components corresponding to which airways fly to and from the locations you want to go to and which airways you wish to journey aboard.
Nevertheless, there are notable candy spots with sure airline switch choices, particularly these packages which have retained award charts.
Listed here are a few of our favourite flights to e-book utilizing Chase factors.
E book a round-trip flight to Madrid utilizing Membership Iberia Plus
Flying from the U.S. to Spain would not should set you again hundreds of {dollars}. The truth is, a notable redemption choice is utilizing Membership Iberia Plus to fly round-trip to Madrid for as little as 34,000 factors.
Spherical-trip, off-peak 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 financial system, 51,000 in premium financial system or 68,000 in enterprise class while you switch your Chase factors to Membership Iberia Plus.
Contemplating that the majority airways cost at the very least 60,000 miles for a one-way business-class award to Europe, you are basically getting a 50% low cost.
E book flights to Hawaii with British Airways
Do you know which you can e-book American Airways and Alaska Airways flights with Chase factors? Although the carriers aren’t direct switch companions of Chase, you possibly can e-book flights on these carriers by transferring your Final Rewards factors to British Airways. You may then e-book awards with fellow Oneworld companions American Airways and Alaska Airways.
So long as your nonstop flight distance is underneath 3,000 miles every method (and saver-level award house is on the market), you possibly can leverage British Airways’ distance-based award chart to fly from any West Coast gateway to Hawaii for 40,000 Avios round-trip.
Fly first-class to Japan by reserving ANA flights by means of Virgin Atlantic
Is a visit to Japan in your bucket listing? Effectively, for simply 145,000 Virgin Atlantic Flying Membership factors, you possibly can fly round-trip in first-class on All Nippon Airways between the West Coast and Tokyo. Flights from the East Coast to Tokyo will value 170,000 factors round-trip.
Enterprise-class redemptions are an excellent higher deal, costing simply 105,000 to 120,000 factors round-trip, relying in your U.S. departure airport. If attainable, you may wish to route by means of JFK and fly ANA’s industry-leading “The Room” enterprise class, which is barely accessible on choose routes.
Nevertheless, word that availability might be tough to return by.
E book lie-flat business-class seats to London with Virgin Atlantic
Is London calling? Although Virgin Atlantic Flying Membership costs its award seats dynamically, the loyalty program affords Saver fares for low-demand journey dates. Subsequently, in case you’re versatile and are available throughout availability, you possibly can rating lie-flat business-class seats from JFK to Heathrow Airport (LHR) for as little as 29,000 factors.
Should you’re trying to be extra thrifty along with your hard-earned reward factors, you possibly can fly the very same route in financial system for as little as 6,000 factors. Make sure you use Virgin’s reward seat checker to search out Saver fares or an award reserving platform like Seats.aero that can assist you search dates and costs.
Keep at a top-tier Hyatt resort
Other than transferring your Chase factors to airline companions to maximise their worth, we additionally suggest reserving stays with World of Hyatt. The resort loyalty program affords a really enticing award chart, which is damaged up into totally different “classes” and peak, off-peak and commonplace dates.
By transferring your Chase factors to Hyatt, you possibly can e-book among the fanciest Park Hyatt properties in all the portfolio, together with the Park Hyatt New York and Park Hyatt Sydney, for simply 35,000 factors per night time throughout off-peak dates.
TPG values Hyatt factors at 1.7 cents every (per our Might 2025 valuations), so 35,000 factors are price $595. That is an excellent deal for resort rooms that usually promote for near $1,000 per night time, even when demand is low.
There’s additionally nice worth on the decrease finish of the Hyatt award chart. Class 1 inns vary from 3,500 to six,500 factors per night time.
If trying to maximize your Chase factors, we suggest using switch companions. Nevertheless, you need to all the time examine the money value to the variety of factors required to e-book. Moreover, earlier than transferring your factors, make sure that there may be availability — transfers are irreversible.
Associated: One of the best Chase Final Rewards candy spots
What are Chase Final Rewards factors price?
TPG values Final Rewards factors at 2.05 cents apiece, per our Might 2025 valuations, and we consider you’ll obtain the most effective worth by transferring factors to airline and resort companions.
Nevertheless, you may 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 means of the Chase Journey℠ portal for Sapphire Reserve cardholders or 1.25 cents for these with the Sapphire Most popular or Ink Enterprise Most popular® Credit score Card (see charges and costs).
You will even have entry to Chase Pay Your self Again as a cardholder of any of the above playing cards, and there are often affords to make use of Chase factors for Apple merchandise or present playing cards at an enhanced worth.
Lastly, Chase factors are price 1 cent apiece if used for easy money again.
How do I earn Chase Final Rewards factors?
There are lots of methods to earn Chase factors at a price of 1-10 factors per greenback spent, relying on the particular Chase bank card you carry.
The primary three playing cards under earn totally transferable Final Rewards factors by themselves, whereas the remaining 4 are technically billed as cash-back bank cards.
Nevertheless, if in case you have an Final Rewards points-earning card, you possibly can successfully convert your cash-back rewards into Final Rewards factors. For that reason, having a couple of Chase card could make sense to maximise your incomes and redeeming potential.
Listed here are the playing cards that will let you earn Chase Final Rewards factors.
Chase Sapphire Most popular Card
Welcome bonus: Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Why you need it: This can be a incredible all-around journey bank card. It earns factors on the following charges:
- 5 factors per greenback spent on Lyft (by means of Sept. 30, 2027)
- 5 factors per greenback spent on all journey bought by means of Chase Journey
- 3 factors per greenback spent on eating, together with eligible supply companies, takeout and eating out
- 3 factors per greenback spent on choose streaming companies
- 3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback spent on all different journey
- 1 level per greenback spent on all different purchases
The Sapphire Most popular has no international transaction charges and has many journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automotive rental insurance coverage.
Annual payment: $95
Utility hyperlink: Chase Sapphire Most popular Card
Chase Sapphire Reserve
Welcome bonus: Earn 60,000 factors after you spend $5,000 on purchases within the first three months from account opening.
Why you need it: The Sapphire Reserve affords incomes energy paired with journey perks that may simply cowl the annual payment. It earns factors on the following charges:
- 10 factors per greenback spent on Chase Eating booked by means of Final Rewards
- 10 factors per greenback spent on resort and automotive rental purchases by means of Chase Journey
- 5 factors per greenback spent on airline journey booked by means of Chase Journey
- 5 factors per greenback spent on Lyft (by means of Sept. 30, 2027)
- 3 factors per greenback spent on journey not booked by means of Chase
- 3 factors per greenback spent on different eating purchases
- 1 level per greenback spent on all different eligible purchases
Different perks embody an easy-to-use $300 annual journey credit score, a payment credit score for International Entry or TSA PreCheck (as much as $120 as soon as each 4 years), and entry to Precedence Cross Choose lounges in addition to the rising listing of Sapphire lounges. Cardholders additionally get main automotive rental protection, journey interruption/cancellation insurance coverage and different protections.
Annual payment: $550
Utility hyperlink: Chase Sapphire Reserve
Ink Enterprise Most popular Credit score Card
Welcome bonus: Earn 90,000 factors after spending $8,000 on purchases within the first three months from account opening.
Why you need it: This is without doubt one of the greatest bank cards for small-business homeowners, incomes 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey; delivery purchases; web, cable and telephone companies; and promoting made with social media websites and search engines like google every account anniversary yr. You earn 1 level per greenback spent on all different purchases, and factors do not expire so long as your account is open.
Annual payment: $95
Utility hyperlink: Ink Enterprise Most popular Credit score Card
Money-back Chase bank cards
4 Chase bank cards are technically billed as cash-back merchandise. Nevertheless, suppose you’ve got one of many three playing cards famous above. In that case, you possibly can mix your factors in a single account, changing these cash-back rewards into totally transferable Final Rewards factors.
Even higher? None of those playing cards expenses an annual payment.
Listed here are the 4 playing cards that supply this performance:
- Chase Freedom Flex® (see charges and costs): Earn $200 after you spend $500 on purchases within the first three months from account opening. Earn 5% again on choose bonus classes, which rotate each quarter and apply to as much as $1,500 in mixed spending (activation required). Plus, earn 5% on journey bought by means of Chase Journey, 3% on eating at eating places (together with takeout and eligible supply companies), 3% on drugstore purchases, and 1% on all different purchases.
- Chase Freedom Limitless® (see charges and costs): Earn $200 after you spend $500 on purchases within the first three months from account opening. Plus, earn 5% on journey bought by means of Chase Journey, 3% on eating at eating places (together with takeout and eligible supply companies), 3% on drugstore purchases and 1.5% on all different purchases.
- Ink Enterprise Money® Credit score Card (see charges and costs): Earn as much as $750: $350 bonus money again after you spend $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. Earn 5% money again on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable and telephone companies every account anniversary yr (then 1% money again). Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr (then 1% money again).
- Ink Enterprise Limitless® Credit score Card (see charges and costs): Earn $750 money again after spending $6,000 on purchases within the first three months from account opening. Earn limitless 1.5% cash-back rewards on each buy.
Observe that Chase additionally points the Ink Enterprise Premier® Credit score Card (see charges and costs). Nevertheless, the earnings on this card cannot be mixed with others within the Final Rewards ecosystem.
Backside line
Should you worth the pliability of selecting from 11 airline companions and three resort companions, Chase Final Rewards is one in all our favourite bank card packages at TPG.
Within the age of no-notice devaluations by some loyalty packages, it’s good to earn Final Rewards factors through bank card welcome affords, class bonuses and on a regular basis spending, after which hold your factors till you might be able to switch and e-book with an airline or resort associate.
