How to earn Chase Ultimate Rewards points

Four ways to earn Chase Ultimate Rewards points

Earn points with signup bonuses

Nearly all Chase cards — including cashback cards — offer a signup bonus to help you quickly earn points. Though there’s no “best” time to sign up for a card, it’s a good idea to keep an eye out for promos and limited-time welcome offers.

Compare cards for earning Chase Ultimate Rewards

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Name	Product	Welcome Offer	Rewards	Annual fee	Filter values
Chase Freedom Flex℠		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year	5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases	$0		Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.	See offer View details	Compare	loading Fetching your data...
Ink Business Preferred® Credit Card		100,000 points after spending $15,000 in the first 3 months	3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases	$95		100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.	See offer View details	Compare	loading Fetching your data...
Ink Business Cash® Credit Card		$750 cash back after spending $7,500 in the first 3 months	5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases	$0		$750 bonus cash back after you spend $7,500 in the first 3 months.	See offer View details	Compare	loading Fetching your data...

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Spend in eligible categories

You’ll find a variety of earning categories across the Chase Ultimate Rewards cards, ranging from flat bonuses on all spending to 2x points on travel and dining, to 5% cashback on quarterly categories.

If you want to maximize your Ultimate Rewards, we recommend picking up two Chase cards for spending — one that offers a flat point reward rate on all spending, and one with bigger earnings for categories you spend on often.

For example, the Chase Freedom Unlimited® credit card earns an unlimited 1.5% on eligible purchases. This serves as a reliable everyday spending card that provides a steady stream of points.

If you want to push that earning even further, pair this card up with the Chase Freedom Flex℠. You’ll earn 5x points for every dollar spent in rotating quarterly categories, supplementing the income provided by the Chase Freedom Unlimited®! When paired with the redemption potential of a Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, this setup is referred to as the Chase Trifecta.

How to redeem Chase Ultimate Rewards points

Shop through Chase’s online portal

Chase’s shopping portal, called Chase Offers, offers a few opportunities to earn additional points on your purchases. All you need to do is log in to your Chase account, access the portal and make purchases using your Chase card.

Bonus point earnings vary based on the retailer, though you can find some great earning opportunities depending on what you’re in the market for.

Refer a friend

You can earn bonus points directly to your account when you refer a friend to sign up with your brand of Chase card.

The exact amount you can earn depends on the type of card you have. For example, the Chase Freedom Flex℠ earns 5,000 points (or $50 cash back) for each friend who gets accepted, up to 50,000 points each year.

Data obtained March 2019. Values are subject to change and should be used only as a general guide.

Bottom line

Earning is easy with Chase Ultimate Rewards thanks to its competitive earning rates, solid welcome offers and the variety of bonuses available through the Chase shopping portal. Grab a pair of Chase cards to complement your spending habits and you’ll be able to take advantage of the great redemption options in no time.

Frequently asked questions

• How much are Chase points worth?
  Chase points are worth one cent per point when redeemed on cash back or gift cards.
• Do Chase cashback cards earn Ultimate Rewards Points?
  Yes, with a caveat. Cashback reward cards earn points you can convert into cashback at one cent per point. You can transfer these points to certain Chase cards to use them as Ultimate Rewards points.
• Can you buy Chase points?
  No. You can’t purchase Chase points at this time.
• How do I transfer Chase Ultimate Rewards points?
  You can transfer points by selecting “Transfer to Travel Partners” under the “Use Points” menu on your Ultimate Rewards homepage.
• Can I move points to another Chase card?
  Yes. You can choose “Combine points” on your Ultimate Rewards homepage to move points from one Chase card to another.