Best Cards for Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are a traveler’s best friend, offering flexibility and unbeatable value when redeemed for travel through the Chase portal or transferred to partners like United, Hyatt, and more. These points can take your miles and points game to the next level, whether you're booking flights, upgrading hotel stays, or earning cash back. Below, you’ll find the best cards for earning Chase Ultimate Rewards, ranked by the offers and perks that can make every trip a little sweeter.

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for travel credits

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

🏆 Best for travel credits

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Reserve® Card is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

🏆 Best Chase Welcome Offer

90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
The Ink Business Preferred® Credit Card is a premier choice for small business owners seeking rewards and travel benefits. This card offers generous points on business expenses, including travel and advertising, and provides other valuable perks such as flexible redemption options, making it a top pick for those looking to maximize their business spending.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Best Cards for Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are a traveler’s best friend, offering flexibility and unbeatable value when redeemed for travel through the Chase portal or transferred to partners like United, Hyatt, and more. These points can take your miles and points game to the next level, whether you're booking flights, upgrading hotel stays, or earning cash back. Below, you’ll find the best cards for earning Chase Ultimate Rewards, ranked by the offers and perks that can make every trip a little sweeter.

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for travel credits

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

🏆 Best for travel credits

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Reserve® Card is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

🏆 Best Chase Welcome Offer

90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
The Ink Business Preferred® Credit Card is a premier choice for small business owners seeking rewards and travel benefits. This card offers generous points on business expenses, including travel and advertising, and provides other valuable perks such as flexible redemption options, making it a top pick for those looking to maximize their business spending.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Personal Cards

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Business Cards

No items found.

Transfer To Chase Ultimate Rewards

🏆 Best for $0 Annual Fee

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

🏆 Best for $0 Annual Fee

Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
The Chase Freedom Unlimited isn't your average cash-back card. It offers solid earning categories on both travel and everyday purchases making it an excellent choice to keep in your wallet. Plus, it will unlock even more value if paired with one of Chase's more premium cards—the ability to turn your cash-back into Ultimate Rewards points!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for rotating categories

Chase Freedom Flex®

Chase Freedom Flex®

Chase Freedom Flex®

🏆 Best for rotating categories

$200
Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening.
$200
Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening.
The Chase Freedom Flex definitely flexes on us a bit with its solid earning structures that cover the bases of just about all our regular spending needs. Plus, you can pair the Flex with a Sapphire card to turn those cash-back rewards into Ultimate Rewards points!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best For Office Supply Purchases

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

🏆 Best For Office Supply Purchases

Up to $750
Cash Back
LIMITED TIME OFFER
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
Up to $750
Cash Back
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
The Ink Business Cash® Credit Card is an ideal choice for small business owners. With this card, you can earn cash back on a range of business expenses, including office supplies, internet, cable, and phone services, while enjoying valuable perks such as employee cards at no extra cost, making it a practical and cost-effective solution for managing your business finances!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for $0 Annual Fee (Business)

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

🏆 Best for $0 Annual Fee (Business)

$750
Cash Back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
Cash Back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
The Ink Business Unlimited® Credit Card is one of the BEST business cards on the market with no annual fee! With this card, you can earn unlimited cash back on all your business purchases, and it offers a simple and straightforward way to manage expenses, making it a practical choice for businesses of all sizes.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Which Card is Right for You?

Chase Ultimate Rewards credit cards cater to both everyday spenders and frequent travelers. The Chase Sapphire Preferred and Chase Sapphire Reserve are top picks here at Daily Drop, with bonus rewards on travel, dining, and awesome perks like travel credits and lounge access. If you’re a business owner, the Ink Business Preferred offers excellent rewards on key business categories, while the Freedom Flex and Freedom Unlimited are perfect for those seeking no-annual-fee cards with solid cashback. Whatever your spending style, there’s a Chase Ultimate Rewards card to help you earn and redeem some of the most valuable points on the market.

Other Ways to Earn

Chase Ultimate Rewards credit cards offer plenty of ways to rack up points. Travel, dining, and online purchases through Chase’s shopping portal can earn you serious rewards, and you can boost your points with limited-time offers on the Chase website. You can also combine points across different Ultimate Rewards cards to maximize your balance, making it easier to make travel redemptions or utilize cash-back.

Pros and Cons

Pros

[.pro] Points are transferable to popular airline and hotel partners like United, Southwest, and Hyatt [.pro]

[.pro] Travel redemptions through the Chase Travel Portal get a boost with certain cards [.pro]

[.pro] Pairing cards like the Freedom Flex or Freedom Unlimited with a Sapphire card lets you stretch points further [.pro]

[.pro] Flexible redemption options across all cards [.pro]

Cons

[.con] Some cards with better perks come with higher fees [.con]

[.con] Points can lose value if you redeem them for certain categories other than travel [.con]

[.con] Chase's 5/24 rule limits approvals if you've opened fiver or more cards in the last 24 months [.con]

FAQs

Can I transfer Chase Ultimate Rewards points to airlines and hotels?

Yes! Chase has an impressive list of travel partners, including United, Southwest, and World of Hyatt, allowing you to transfer points for free flights and hotel stays.

Do Chase Ultimate Rewards points expire?

No, your points don’t expire as long as your account is open and in good standing. If you close a Chase card, make sure to use or transfer the points to avoid losing them.

Can I combine points across different Chase Ultimate Rewards cards?

Yes! You can pool points from multiple Chase cards, like the Freedom Flex and Sapphire Preferred, to unlock more redemption options and maximize your rewards.

Is it better to redeem Chase Ultimate Rewards points for travel or cash-back?

Generally, travel redemptions offer more value. Points are worth 1.25-1.5 cents each when redeemed for travel through Chase’s portal, compared to a flat 1 cent per point for cash-back.

Authors

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor