CINXE.COM
Chase Ultimate Rewards: How you can earn, redeem and transfer reward points - The Points Guy
<!DOCTYPE html><html lang="en-US"><head><meta charSet="utf-8"/><meta content="width=device-width, initial-scale=1" name="viewport"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:site" content="@thepointsguy"/><meta property="og:locale" content="en-US"/><meta property="og:site_name" content="The Points Guy"/><meta content="Ljof3Duwtracp116XX76hDeY-IZn3TnvmYX8PMQIFIw" name="google-site-verification"/><meta content="app-id=1459686987" name="apple-itunes-app"/><link href="/favicon.ico" rel="icon"/><link href="/favicon.ico" rel="shortcut icon"/><link href="https://thepointsguy.global.ssl.fastly.net" rel="preconnect" crossorigin=""/><link href="https://www.googletagmanager.com/" rel="preconnect"/><link href="https://beam.thepointsguy.com/" rel="preconnect"/><link as="font" href="https://thepointsguy.global.ssl.fastly.net/cdn/fonts/roboto/KFOmCnqEu92Fr1Mu4mxKKTU1Kg.woff2" rel="preload" type="font/woff2" crossorigin=""/><link as="font" href="https://thepointsguy.global.ssl.fastly.net/cdn/fonts/roboto-medium/ZLqKeelYbATG60EpZBSDy4X0hVgzZQUfRDuZrPvH3D8.woff2" rel="preload" type="font/woff2" crossorigin=""/><link as="font" href="https://thepointsguy.global.ssl.fastly.net/cdn/fonts/roboto-bold/KFOlCnqEu92Fr1MmWUlfBBc4AMP6lQ.woff2" rel="preload" type="font/woff2" crossorigin=""/><link as="font" href="https://thepointsguy.global.ssl.fastly.net/cdn/fonts/roboto-slab/BngbUXZYTXPIvIBgJJSb6s3BzlRRfKOFbvjojISmb2RlV9Su1cai.woff" rel="preload" type="font/woff" crossorigin=""/><link as="font" href="https://thepointsguy.global.ssl.fastly.net/cdn/fonts/barlow/BarlowGX.woff2" rel="preload" type="font/woff2" crossorigin=""/><link as="font" href="https://thepointsguy.global.ssl.fastly.net/cdn/fonts/barlow/BarlowGX.woff" rel="preload" type="font/woff" crossorigin=""/><title>Chase Ultimate Rewards: How you can earn, redeem and transfer reward points - The Points Guy</title><meta name="robots" content="index,follow,max-snippet:-1,max-image-preview:large,max-video-preview:-1"/><meta name="description" content="Chase Ultimate Rewards guide: How you can earn, redeem and transfer Ultimate rewards points"/><meta property="og:title" content="Chase Ultimate Rewards: How you can earn, redeem and transfer reward points - The Points Guy"/><meta property="og:description" content="Chase Ultimate Rewards guide: How you can earn, redeem and transfer Ultimate rewards points"/><meta property="og:url" content="https://thepointsguy.com/loyalty-programs/chase-ultimate-rewards/"/><meta property="og:type" content="article"/><meta property="article:published_time" content="2024-10-22T20:00:09.000Z"/><meta property="article:modified_time" content="2024-11-14T20:27:05.000Z"/><meta property="article:author" content="Ben Smithson"/><meta property="article:section" content="Guide"/><meta property="og:image" content="https://thepointsguy.freetls.fastly.net/us/originals/2024/04/SOCIAL-IMAGE_PARTNER-OFFERS-TERMS-APPLY_woman-traveling-on-the-train-near-Matterhorn-Swiss-Alps_-Oleh_Slobodeniuk_14.jpg"/><meta property="og:image:alt" content="Chase Ultimate Rewards guide: How you can earn, redeem and transfer Ultimate rewards points"/><link rel="canonical" href="https://thepointsguy.com/loyalty-programs/chase-ultimate-rewards/"/><script id="schemaOrg" type="application/ld+json">{"@context":"http://schema.org","@graph":[{"@type":"NewsArticle","articleSection":"Guide","author":[{"@type":"Person","name":"Ben Smithson","url":"https://thepointsguy.com/author/bensmithson/"}],"dateCreated":"2024-10-22T20:00:09.000Z","dateModified":"2024-11-14T20:27:05.000Z","datePublished":"2024-10-22T20:00:09.000Z","headline":"The complete guide to Chase Ultimate Rewards: How to earn, redeem and transfer points","image":{"@type":"ImageObject","url":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg"},"keywords":"","mainEntityOfPage":{"@id":"https://thepointsguy.com/loyalty-programs/chase-ultimate-rewards/","@type":"WebPage"},"publisher":{"@type":"Organization","logo":{"@type":"ImageObjectSnapshot","height":"66","url":"https://thepointsguy.global.ssl.fastly.net/us/originals/2019/10/TPG-Logo-Digital-84px.jpg","width":"84"},"name":"The Points Guy"},"thumbnailUrl":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg","url":"https://thepointsguy.com/loyalty-programs/chase-ultimate-rewards/"},{"@id":"https://thepointsguy.com/#website","@type":"WebSite","inLanguage":"en-US","name":"The Points Guy","potentialAction":{"@type":"SearchAction","query-input":"required name=search_term_string","target":"https://thepointsguy.com/?s={search_term_string}"},"publisher":{"@id":"https://thepointsguy.com/#person"},"url":"https://thepointsguy.com/"}]}</script><link rel="preload" as="image" imageSrcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=3840 3840w" imageSizes="100vw"/><meta name="next-head-count" content="35"/><link rel="stylesheet" data-href="https://fonts.googleapis.com/css2?family=Sora:wght@600..700&display=swap"/><link rel="stylesheet" data-href="https://fonts.googleapis.com/css2?family=Lexend:wght@400;500;600;700&display=swap"/><link rel="stylesheet" data-href="https://fonts.googleapis.com/css2?family=Poppins:wght@400;500;600&display=swap"/><link rel="preconnect" href="https://fonts.gstatic.com" crossorigin /><link rel="preload" href="/_next/static/css/259458c5f1bfd738.css" as="style"/><link rel="stylesheet" href="/_next/static/css/259458c5f1bfd738.css" data-n-g=""/><link rel="preload" href="/_next/static/css/baf9d74d9bb2659d.css" as="style"/><link rel="stylesheet" href="/_next/static/css/baf9d74d9bb2659d.css" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-c67a75d1b6f99dc8.js"></script><script src="/_next/static/chunks/webpack-520933fa87ffc9f5.js" defer=""></script><script src="/_next/static/chunks/framework-1af9b85d24946f6b.js" defer=""></script><script src="/_next/static/chunks/main-f4a4fea34836c5ef.js" defer=""></script><script src="/_next/static/chunks/pages/_app-a4e49a158fc112bf.js" defer=""></script><script src="/_next/static/chunks/2546-3d8e7defc504879b.js" defer=""></script><script src="/_next/static/chunks/5935-95352f66ff05b615.js" defer=""></script><script src="/_next/static/chunks/2196-4f595767b5f27d34.js" defer=""></script><script src="/_next/static/chunks/4670-7c748233aa195dc5.js" defer=""></script><script src="/_next/static/chunks/1653-e6802a5a75115345.js" defer=""></script><script src="/_next/static/chunks/939-2774fcb8033de0ed.js" defer=""></script><script src="/_next/static/chunks/4011-a0b7beacc5aa42b9.js" defer=""></script><script src="/_next/static/chunks/9298-d3d5bab6aa40e588.js" defer=""></script><script src="/_next/static/chunks/3255-dbaeee941e2c2422.js" defer=""></script><script src="/_next/static/chunks/8171-386c9e1fb284f07c.js" defer=""></script><script src="/_next/static/chunks/1481-d5fea010296eb3ee.js" defer=""></script><script src="/_next/static/chunks/2797-d24a2d6442640cf7.js" defer=""></script><script src="/_next/static/chunks/4491-fd19fc2d8dbbc7b0.js" defer=""></script><script src="/_next/static/chunks/2393-e9df581c12b79ea5.js" defer=""></script><script src="/_next/static/chunks/9885-72e0511787f6da3c.js" defer=""></script><script src="/_next/static/chunks/2498-f0bfbe1b8a6416dd.js" defer=""></script><script src="/_next/static/chunks/9801-3c6e90121dbb815c.js" defer=""></script><script src="/_next/static/chunks/880-656bca4553fd3986.js" defer=""></script><script src="/_next/static/chunks/6900-2cd19a49355d67f6.js" defer=""></script><script src="/_next/static/chunks/7620-745604f88378b3c3.js" defer=""></script><script src="/_next/static/chunks/2774-09488db60d307824.js" defer=""></script><script src="/_next/static/chunks/119-bf92e2061beedbb0.js" defer=""></script><script src="/_next/static/chunks/6267-eba68127a26f082d.js" defer=""></script><script src="/_next/static/chunks/6310-23b34c89be38803b.js" defer=""></script><script src="/_next/static/chunks/3888-58b5b082c92bc2a0.js" defer=""></script><script src="/_next/static/chunks/2440-9b42ae5c0c608467.js" defer=""></script><script src="/_next/static/chunks/1435-a081249470cad1c5.js" defer=""></script><script src="/_next/static/chunks/3433-eaac3017e4eae79d.js" defer=""></script><script src="/_next/static/chunks/2497-a9d2f9d0c12a087d.js" defer=""></script><script src="/_next/static/chunks/pages/%5B...pathname%5D-2051bb28ca5359e4.js" defer=""></script><script src="/_next/static/5cFe0HbBGjiAn1jjAPIbO/_buildManifest.js" defer=""></script><script src="/_next/static/5cFe0HbBGjiAn1jjAPIbO/_ssgManifest.js" defer=""></script><style id="__jsx-4259696460">.menuToggle.jsx-4259696460{width:1.5rem;height:2.5rem}.hide.jsx-4259696460{display:none}@media (min-width: 1025px){.menuToggle.jsx-4259696460{display:none}}.hamburger.jsx-4259696460{width:1.5rem;height:1.125rem;position:relative;-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out}.hamburger.jsx-4259696460 span.jsx-4259696460{position:absolute;left:0;width:100%;height:2px;-webkit-border-radius:1.75px;-moz-border-radius:1.75px;border-radius:1.75px;background:#162433;-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out;-webkit-transform:rotate(0deg);-moz-transform:rotate(0deg);-ms-transform:rotate(0deg);-o-transform:rotate(0deg);transform:rotate(0deg)}.hamburger.jsx-4259696460 span.jsx-4259696460:nth-child(1){top:0;-webkit-transform-origin:left center;-moz-transform-origin:left center;-ms-transform-origin:left center;-o-transform-origin:left center;transform-origin:left center}.hamburger.jsx-4259696460 span.jsx-4259696460:nth-child(2){top:-webkit-calc(50% - 1px);top:-moz-calc(50% - 1px);top:calc(50% - 1px);-webkit-transform-origin:center center;-moz-transform-origin:center center;-ms-transform-origin:center center;-o-transform-origin:center center;transform-origin:center center}.hamburger.jsx-4259696460 span.jsx-4259696460:nth-child(3){bottom:0;-webkit-transform-origin:left center;-moz-transform-origin:left center;-ms-transform-origin:left center;-o-transform-origin:left center;transform-origin:left center}.hamburger.isOpen.jsx-4259696460{-webkit-transform:translatex(4px);-moz-transform:translatex(4px);-ms-transform:translatex(4px);-o-transform:translatex(4px);transform:translatex(4px)}.hamburger.isOpen.jsx-4259696460 span.jsx-4259696460:nth-child(1){-webkit-transform:rotate(45deg);-moz-transform:rotate(45deg);-ms-transform:rotate(45deg);-o-transform:rotate(45deg);transform:rotate(45deg)}.hamburger.isOpen.jsx-4259696460 span.jsx-4259696460:nth-child(2){opacity:0;width:0}.hamburger.isOpen.jsx-4259696460 span.jsx-4259696460:nth-child(3){-webkit-transform:rotate(-45deg)translatey(1px);-moz-transform:rotate(-45deg)translatey(1px);-ms-transform:rotate(-45deg)translatey(1px);-o-transform:rotate(-45deg)translatey(1px);transform:rotate(-45deg)translatey(1px)}.label.jsx-4259696460{ font-family: 'roboto', sans-serif; color: #5f6f80; font-weight: 700; font-size: 0.625rem; line-height: 0.875rem; margin-top: 0.5rem;display:inline-block}</style><style id="__jsx-2279346079">.homeLink.jsx-2279346079{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center}@media (min-width: 1025px){.homeLink.jsx-2279346079{grid-area:logo;height:4.5rem;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center}}.homeLink a svg{width:13.75rem}@media (max-width: 767px){.homeLink a svg{width:11.25rem}}@media (max-width: 1024px){.homeLink a svg{max-width:100%}}@media (min-width: 1025px) and (max-width: 1439px){.homeLink a svg{width:10rem}}@media (min-width: 1440px){.homeLink a svg{margin-right:1.25rem}}.visuallyHidden.jsx-2279346079{ border: 0; clip: rect(0 0 0 0); height: 1px; overflow: hidden; padding: 0; position: absolute; white-space: nowrap; width: 1px; }</style><style id="__jsx-2733693566">.children.jsx-2733693566,.loadingVisual.jsx-2733693566{-webkit-transition:opacity 0.3s;-moz-transition:opacity 0.3s;-o-transition:opacity 0.3s;transition:opacity 0.3s}.children.jsx-2733693566{opacity:0}.loadingVisual.jsx-2733693566{opacity:1}.text.jsx-2733693566{ font-family: 'Poppins', sans-serif; text-transform: unset; color: #162433; font-weight: 600; letter-spacing: 0.02em; font-size: 1rem; line-height: 1.25rem; }</style><style id="__jsx-2745583457">.advertiserDisclosureTrigger.jsx-2745583457{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.75rem; line-height: 1rem; ;color:#0f56d3;text-decoration:underline;white-space:nowrap;height:1rem}@media (min-width: 1025px) and (max-width: 1439px){.advertiserDisclosureTrigger.jsx-2745583457{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.625rem; line-height: 0.75rem; }}</style><style id="__jsx-2720644952">.category.jsx-2720644952{padding-bottom:1rem}.category.jsx-2720644952 a.jsx-2720644952{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 1.125rem; color: #007a4b;text-transform:uppercase;text-decoration:none}@media (max-width: 1024px){.category.jsx-2720644952{padding-bottom:0.5rem}.category.jsx-2720644952 a.jsx-2720644952{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; }}</style><style id="__jsx-3487423884">.title.jsx-3487423884{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;gap:0.5rem;padding-bottom:1rem}a.jsx-3487423884{text-decoration:none;color:#0fa66a}h1.jsx-3487423884{ font-family: 'Barlow', sans-serif; letter-spacing: 0.5px; font-weight: normal; font-size: 2.25rem; line-height: 2.75rem; font-variation-settings: 'wdth' 500, 'wght' 120; ;margin:0}@media (min-width: 1025px){.title.jsx-3487423884{gap:1rem}h1.jsx-3487423884{ font-family: 'Barlow', sans-serif; letter-spacing: 0.5px; font-weight: normal; font-size: 3rem; line-height: 3.375rem; font-variation-settings: 'wdth' 500, 'wght' 135; ;}}</style><style id="__jsx-431999578">.tooltip.jsx-431999578{width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;position:relative}.screenreader.jsx-431999578{ border: 0; clip: rect(0 0 0 0); height: 1px; overflow: hidden; padding: 0; position: absolute; white-space: nowrap; width: 1px; }.tooltip.active.jsx-431999578{z-index:10}.triggerText.jsx-431999578{text-decoration:underline;color:inherit}.icon.jsx-431999578{width:0.75rem;height:0.75rem;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;color:#5f6f80}.icon.jsx-431999578 svg{width:100%}.lightTheme.jsx-431999578{color:#ffffff}.dialog.jsx-431999578{position:absolute;display:none;top:100%;left:0;background:transparent;border:none;padding:0}@media (min-width: 768px){.dialog.icon.jsx-431999578{left:-2.25rem}}.dialog.isOpen.jsx-431999578{display:block}.dialog.jsx-431999578>div.jsx-431999578{width:22rem;padding:1rem;background:#ffffff;margin-top:0.75rem; border-radius: 0px; ;-webkit-box-shadow:2px 0px 8px 2px rgba(0,0,0,.2);-moz-box-shadow:2px 0px 8px 2px rgba(0,0,0,.2);box-shadow:2px 0px 8px 2px rgba(0,0,0,.2)}.pointer.jsx-431999578{position:absolute;top:0;left:2rem;background:#ffffff;width:1.25rem;height:0.75rem; border-radius: 0px; ;-webkit-clip-path:polygon(50%0,100%100%,0 100%);clip-path:polygon(50%0,100%100%,0 100%)}.fitElement.jsx-431999578 .dialog.icon.jsx-431999578{left:0}.fitElement.jsx-431999578 .pointer.jsx-431999578{left:-0.25rem}@media (max-width: 767px){.dialog.jsx-431999578{-webkit-transform:none;-moz-transform:none;-ms-transform:none;-o-transform:none;transform:none}.pointer.jsx-431999578{left:auto}.dialog.jsx-431999578>div.jsx-431999578{width:-webkit-calc(100vw - 2.5rem + 1px);width:-moz-calc(100vw - 2.5rem + 1px);width:calc(100vw - 2.5rem + 1px)}}.lightbox.jsx-431999578{background:#ffffff;max-height:100vh;height:100vh;overflow-x:hidden;overflow-y:auto;padding-top:3.125rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem}.button.jsx-431999578{position:absolute;top:1.125rem;right:1.5rem}@media (min-width: 768px){.dialog.center.jsx-431999578{margin-left:-8rem}.dialog.center.jsx-431999578 .pointer.jsx-431999578{left:10rem}.dialog.right.jsx-431999578{margin-left:-18rem}.dialog.right.jsx-431999578 .pointer.jsx-431999578{left:20rem}}</style><style id="__jsx-416730657">.byline.jsx-416730657{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.75rem; color: #162433;}.byline .triggerText{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; }@media (min-width: 1025px){.byline.jsx-416730657{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; }}.contact.jsx-416730657{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-orient:horizontal;-webkit-box-direction:normal;-webkit-flex-direction:row;-moz-box-orient:horizontal;-moz-box-direction:normal;-ms-flex-direction:row;flex-direction:row;gap:1rem}.avatar.jsx-416730657{-webkit-border-radius:50%;-moz-border-radius:50%;border-radius:50%;overflow:hidden;width:3rem;height:3rem}.avatar.jsx-416730657 img{-o-object-fit:cover;object-fit:cover}.nameTitle.jsx-416730657{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;gap:6px;-webkit-box-align:left;-webkit-align-items:left;-moz-box-align:left;-ms-flex-align:left;align-items:left;width:224px}.authorName.jsx-416730657{font-weight:700;line-height:20px;width:225px;height:20px;letter-spacing:.5px}.role.jsx-416730657{font-size:12px;line-height:16px;color:#5f6f80;font-size:12px;font-weight:500;line-height:14px;width:225px;height:13px;letter-spacing:.5px}.contact.jsx-416730657 a.jsx-416730657{color:#162433}.contact.jsx-416730657 a.jsx-416730657:hover{color:#0f56d3}.bio.jsx-416730657{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.875rem; line-height: 1.25rem; width: 320px;max-height:140px;font-size:14px;overflow:hidden;-o-text-overflow:ellipsis;text-overflow:ellipsis;margin-top:10px;line-height:20px;display:-webkit-box;-webkit-line-clamp:9;-webkit-box-orient:vertical}.social.jsx-416730657{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-align:left;-webkit-align-items:left;-moz-box-align:left;-ms-flex-align:left;align-items:left;-webkit-box-orient:horizontal;-webkit-box-direction:normal;-webkit-flex-direction:row;-moz-box-orient:horizontal;-moz-box-direction:normal;-ms-flex-direction:row;flex-direction:row;padding-top:20px;gap:2rem}.social.jsx-416730657>a.jsx-416730657 svg{width:1.5rem}.social.jsx-416730657 a.jsx-416730657{color:#162433}</style><style id="__jsx-444286861">.byline.jsx-444286861{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.75rem; color: #162433;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex}.authorAndText.jsx-444286861{font-size:.875rem;font-weight:normal;padding:0 .1875rem}.reviewedByText.jsx-444286861{padding:0 0.5rem}.authorAndText.authorCommaText.jsx-444286861{padding-left:0}</style><style id="__jsx-3122506519">.temporal.jsx-3122506519{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.75rem; ;color:#5f6f80;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;gap:0.5rem;padding-top:0.5rem;padding-bottom:2rem}@media (min-width: 1025px){.temporal.jsx-3122506519{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; }}@media (max-width: 767px){.temporal.jsx-3122506519{padding-bottom:1.5rem}}</style><style id="__jsx-3090580028">.featuredImage.jsx-3090580028{min-height:34.375rem;overflow:hidden;position:relative}.featuredImageWithToc.jsx-3090580028{ width: 100vw; position: relative; left: 50%; right: 50%; margin-left: -50vw; margin-right: -50vw; min-height: 43.75rem;}.image.jsx-3090580028>img{-o-object-fit:cover;object-fit:cover}@media (min-width: 768px) and (max-width: 1024px){.featuredImage.jsx-3090580028,.featuredImageWithToc.jsx-3090580028{ width: 100vw; position: relative; left: 50%; right: 50%; margin-left: -50vw; margin-right: -50vw; min-height: 26.875rem;}}@media (max-width: 767px){.featuredImage.jsx-3090580028,.featuredImageWithToc.jsx-3090580028{ width: 100vw; position: relative; left: 50%; right: 50%; margin-left: -50vw; margin-right: -50vw; min-height: 15.625rem;}}</style><style id="__jsx-368394043">.sharing.jsx-368394043{height:4.5rem;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center}.openerAndroid.jsx-368394043{display:none;width:100%;height:100%;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;color:#162433}.openerAndroid.jsx-368394043 svg{width:1.3125rem;height:1.21875rem}.openerIos.jsx-368394043{display:none;width:100%;height:100%;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;color:#162433}.openerIos.jsx-368394043 svg{width:1rem;height:1.5rem}.menu.jsx-368394043{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;gap:1.5rem;height:3rem;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center}.menu.jsx-368394043 button.jsx-368394043,.menu.jsx-368394043 a.jsx-368394043{-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center; font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.75rem; line-height: 1rem; font-weight: 700;text-transform:uppercase;gap:0.875rem;color:#162433;text-decoration:none}.menu.jsx-368394043 button.jsx-368394043:hover,.menu.jsx-368394043 a.jsx-368394043:hover{-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out;color:#146aff}.icon.jsx-368394043{-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out;width:2rem;height:2rem;-webkit-border-radius:1rem;-moz-border-radius:1rem;border-radius:1rem;border:1px solid currentColor;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center}.icon.jsx-368394043 svg{display:block}.facebook.jsx-368394043 svg{margin-top:1px;width:0.45375rem;height:0.875rem}.twitter.jsx-368394043 svg{margin-top:2px;width:1.0625rem;height:0.875rem}.linkedIn.jsx-368394043 svg{width:0.915625rem;height:0.875rem}.link.jsx-368394043 svg{margin-top:1px;width:1.09375rem;height:0.83875rem}.menu.jsx-368394043 .link.jsx-368394043:active .icon.jsx-368394043{background:#146aff;color:#ffffff}.email.jsx-368394043 svg{margin-top:1px;width:1rem;height:0.666875rem}@media (max-width: 1024px){.sharing.jsx-368394043{width:4rem;height:4rem}.openerAndroid.jsx-368394043,.openerIos.jsx-368394043{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex}.menu.jsx-368394043{-webkit-box-shadow:0px 5px 3px rgba(8, 10, 13, 0.14);-moz-box-shadow:0px 5px 3px rgba(8, 10, 13, 0.14);box-shadow:0px 5px 3px rgba(8, 10, 13, 0.14);width:10.75rem;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;-webkit-box-align:start;-webkit-align-items:flex-start;-moz-box-align:start;-ms-flex-align:start;align-items:flex-start;padding:1.5rem 0 1.5rem 2rem;position:absolute;top:100%;right:0;height:auto;background:#ffffff;display:none}.menu.isOpen.jsx-368394043{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex}.label.jsx-368394043{display:block}}@media (min-width: 1025px){.label.jsx-368394043{ border: 0; clip: rect(0 0 0 0); height: 1px; overflow: hidden; padding: 0; position: absolute; white-space: nowrap; width: 1px; }}</style><style id="__jsx-de4115f42c48e362">.container.jsx-de4115f42c48e362{max-width:90rem;margin:0 auto 0 auto}@media (min-width: 1440px){.container.jsx-de4115f42c48e362{padding-left:4rem;padding-right:4rem}}@media (min-width: 1025px) and (max-width: 1439px){.container.jsx-de4115f42c48e362{padding-left:2rem;padding-right:2rem}}@media (min-width: 768px) and (max-width: 1024px){.container.jsx-de4115f42c48e362{ max-width: none; padding-left: 2rem; padding-right: 2rem; }}@media (max-width: 767px){.container.jsx-de4115f42c48e362{ max-width: none; padding-left: 1.2rem; padding-right: 1.1875rem; }}} </style><style id="__jsx-2927102002">.articleHeader.jsx-2927102002{margin-top:-3rem;position:static, top: auto;left:auto;width:auto;background:#dfe5eb}.articleHeaderNoToc.jsx-2927102002{display:none}.articleHeaderStuck.jsx-2927102002{z-index:3;position:fixed;margin-top:0;top:0;left:0;width:100%;background:#ffffff;display:block}.sharing.jsx-2927102002{display:none}.articleHeaderStuck.jsx-2927102002 .sharing.jsx-2927102002{display:block}.cta.jsx-2927102002{background:#ffffff;height:3rem;position:relative;z-index:2;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex}.articleHeaderStuck.jsx-2927102002 .cta.jsx-2927102002{height:4.5rem}.title.jsx-2927102002{height:4.5rem;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center; font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 1.125rem; color: #162433;width:100%;padding-right:2rem}.title.jsx-2927102002>div.jsx-2927102002{max-height:2.5875rem;overflow:hidden;-o-text-overflow:ellipsis;text-overflow:ellipsis;display:-webkit-box;-webkit-line-clamp:2;line-clamp:2;-webkit-box-orient:vertical}.articleHeaderStuck.jsx-2927102002 .container.jsx-2927102002{position:relative;padding-left:-webkit-calc(2rem + 6.8125rem);padding-left:-moz-calc(2rem + 6.8125rem);padding-left:calc(2rem + 6.8125rem);padding-right:2rem;height:auto;z-index:-1}.jumpToSection.jsx-2927102002{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; display: flex;color:#162433;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;text-transform:uppercase;width:100%;height:100%;padding-left:8.5375%;padding-right:-webkit-calc( 6.8125rem + 8.5375% );padding-right:-moz-calc( 6.8125rem + 8.5375% );padding-right:calc( 6.8125rem + 8.5375% );gap:0.625rem}.articleHeaderStuck.jsx-2927102002 .jumpToSection.jsx-2927102002{gap:0.8125rem;padding-left:0;padding-right:0}.icon.jsx-2927102002{width:0.75rem;height:0.75rem}.articleHeaderStuck.jsx-2927102002 .icon.jsx-2927102002{width:0.875rem;height:0.875rem}.icon.jsx-2927102002 svg{vertical-align:top}.articleHeaderStuck.jsx-2927102002 .text.jsx-2927102002{margin-top:1px}.appTocItems.jsx-2927102002{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; text-align: left;color:#162433;-webkit-text-decoration:underline #162433;-moz-text-decoration:underline #162433;text-decoration:underline #162433}.tocItems.jsx-2927102002{padding-right:-webkit-calc( 6.8125rem + 8.5375% );padding-right:-moz-calc( 6.8125rem + 8.5375% );padding-right:calc( 6.8125rem + 8.5375% );padding-left:8.5375%;padding-top:2rem;padding-bottom:1rem}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002{position:absolute;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;-webkit-box-shadow:0px 5px 3px rgba(8, 10, 13, 0.14);-moz-box-shadow:0px 5px 3px rgba(8, 10, 13, 0.14);box-shadow:0px 5px 3px rgba(8, 10, 13, 0.14);background:#ffffff;width:25.25rem}.tocItems.noToggle.jsx-2927102002{display:block;padding-left:2rem;padding-right:2rem}.tocItems.jsx-2927102002 a.jsx-2927102002{color:#162433}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002 a.jsx-2927102002{text-decoration:none;height:2.75rem;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;border-bottom:1px solid #adbbc9}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002 a.jsx-2927102002>div.jsx-2927102002{margin-right:1.5rem;margin-left:1.5rem;overflow:hidden;-o-text-overflow:ellipsis;text-overflow:ellipsis;white-space:nowrap}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002 li.jsx-2927102002:last-child a.jsx-2927102002{border-bottom:none}.tocItems.jsx-2927102002 a.jsx-2927102002:hover{color:#0f56d3}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002 a.jsx-2927102002:hover{color:#162433;background:#e8f0ff}.tocItems.jsx-2927102002 ul.jsx-2927102002{-webkit-columns:3;-moz-columns:3;columns:3;-webkit-column-gap:2rem;-moz-column-gap:2rem;column-gap:2rem;display:block}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002 ul.jsx-2927102002{-webkit-columns:1;-moz-columns:1;columns:1}.tocItems.jsx-2927102002 li.jsx-2927102002{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.875rem; line-height: 1.25rem; font-weight: 700;padding-bottom:1rem;-webkit-column-break-inside:avoid;page-break-inside:avoid;break-inside:avoid;display:block}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002 li.jsx-2927102002{padding-bottom:0}.backdrop.jsx-2927102002{ display: block; position: fixed; inset: 0; background: rgba(0, 0, 0, 0.6); z-index: 10; overflow-y: auto; display: none;}.adDisclosure.jsx-2927102002{ display: flex; justify-content: flex-end; padding-top: 1rem; padding-bottom: 1rem; position: relative; z-index: 2; }.progress.jsx-2927102002{ width: 100vw; position: relative; left: 50%; right: 50%; margin-left: -50vw; margin-right: -50vw; width: 100%;padding-left:0;position:absolute}@media (min-width: 1440px){.articleHeaderStuck.jsx-2927102002 .container.jsx-2927102002{position:relative;padding-left:-webkit-calc(4rem + 6.8125rem);padding-left:-moz-calc(4rem + 6.8125rem);padding-left:calc(4rem + 6.8125rem);padding-right:4rem;height:auto;z-index:-1}}@media (max-width: 1024px){.articleHeader.jsx-2927102002{ width: 100vw; position: relative; left: 50%; right: 50%; margin-left: -50vw; margin-right: -50vw; }.articleHeaderStuck.jsx-2927102002,.articleHeaderStuck.jsx-2927102002 .container.jsx-2927102002{height:auto}, .articleHeaderStuck .cta, .sharing {height:4rem}.articleHeaderStuck.jsx-2927102002 .jumpToSection.jsx-2927102002{padding-right:0;padding-left:0}}@media (min-width: 768px) and (max-width: 1024px){.articleHeaderStuck.jsx-2927102002 .container.jsx-2927102002{padding-left:2rem;padding-right:0}.jumpToSection.jsx-2927102002{padding-left:2rem;padding-right:2rem}.tocItems.jsx-2927102002{display:block;padding-left:2rem;padding-right:2rem}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002{margin-left:0}.articleHeaderStuck.jsx-2927102002 .cta.jsx-2927102002{height:4rem}.title.jsx-2927102002{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.875rem; line-height: 1.25rem; font-weight: 700;}.title.jsx-2927102002>div.jsx-2927102002{max-height:2.5rem}}@media (max-width: 767px){.articleHeaderStuck.jsx-2927102002 .container.jsx-2927102002{padding-left:1.25rem;padding-right:0}.jumpToSection.jsx-2927102002{padding-left:1.25rem;padding-right:1.1875rem}.backdrop.jsx-2927102002{display:none;z-index:2}.tocItems.jsx-2927102002{display:block;padding-top:1.5rem;padding-right:1.1875rem;padding-bottom:0.5rem;padding-left:1.25rem}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002{margin-left:-1.25rem;width:100vw}.articleHeaderStuck.jsx-2927102002 .tocItems.jsx-2927102002 a.jsx-2927102002>div.jsx-2927102002{margin-right:1.25rem;margin-left:1.25rem}.tocItems.jsx-2927102002 ul.jsx-2927102002{-webkit-columns:1;-moz-columns:1;columns:1}.articleHeaderStuck.jsx-2927102002 .cta.jsx-2927102002{height:4rem}.title.jsx-2927102002{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.75rem; line-height: 1rem; font-weight: 700;padding-right:1.25rem}.title.jsx-2927102002>div.jsx-2927102002{max-height:2rem}}</style><style id="__jsx-611272369">.topDisclaimer.jsx-611272369{color:#5f6f80; font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.75rem; line-height: 1rem; ;}.topDisclaimer.jsx-611272369 a.jsx-611272369{color:#5f6f80;text-decoration:none;border-bottom:1px solid #146aff}.topDisclaimer.jsx-611272369 a.jsx-611272369:hover{background:#0f56d3;color:#ffffff;border-bottom:1px solid #0f56d3}</style><style id="__jsx-2099115934">.topElements.jsx-2099115934{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;gap:2rem;border-bottom:solid 1px #dfe5eb;padding-bottom:2rem;margin-bottom:2rem}</style><style id="__jsx-2362441780">.anchor.jsx-2362441780{display:block;position:relative;top:-4.5rem}</style><style id="__jsx-3240391286">.HomepageNLSignup.jsx-3240391286,.HomepageNLSignup.jsx-3240391286 input.jsx-3240391286{border:.5px solid #e5e5e5;background:undefined;-webkit-border-radius:0.5rem;-moz-border-radius:0.5rem;border-radius:0.5rem;color:#ffffff}.HomepageNLSignup.jsx-3240391286 label.jsx-3240391286{ font-family: 'Poppins', sans-serif; font-weight: 500; color: #162433; letter-spacing: 0; font-size: 0.875rem; line-height: 1.25rem; ;color:#ffffff}.LandingPage.jsx-3240391286 input.jsx-3240391286{-webkit-border-radius:0.5rem;-moz-border-radius:0.5rem;border-radius:0.5rem}</style><style id="__jsx-3584303912">.legalText.jsx-3584303912{ display: flex; flex-direction: row; gap: 0.5rem; align-items: center;color: #5f6f80; }.legalText-A.jsx-3584303912{ font-family: 'Poppins', sans-serif; font-weight: 400; color: #162433; letter-spacing: 0; font-size: 0.75rem; line-height: 1rem; ;}.legalText-B.jsx-3584303912{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.75rem; line-height: 1rem; ;color: #5f6f80; }.legalText.jsx-3584303912 a,.legalText.jsx-3584303912 a:hover{color: #5f6f80; text-decoration: none;}@media (max-width: 767px){false color: #5f6f80; }</style><style id="__jsx-1071010234">.errorMessageVertical.jsx-1071010234,.errorMessageHorizontal.jsx-1071010234{ font-family: 'Poppins', sans-serif; font-weight: 400; color: #162433; letter-spacing: 0; text-decoration: none; font-size: 0.875rem; line-height: 1.25rem; color: #FF6B6B;text-align:left;height:16px;font-weight:bold;margin-bottom:0!important}.errorMessageHorizontal.jsx-1071010234{padding-bottom:2rem}</style><style id="__jsx-36530878">.full-width-auto-height-image.jsx-36530878{position:relative;background:#dfe5eb;width:auto;height:auto}.full-width-auto-height-image.jsx-36530878 img{-o-object-fit:contain;object-fit:contain}.full-width-auto-height-image.jsx-36530878>span{display:block !important}</style><style id="__jsx-1853040249">.tpg-figure.jsx-1853040249{margin:2.5rem 0 2.5rem 0;width:100%;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;gap:1rem}.figcaption.jsx-1853040249{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.875rem; line-height: 1.25rem; color: #5f6f80;}@media (max-width: 1024px){.tpg-figure.jsx-1853040249{margin:2rem 0 2rem 0}}</style><style id="__jsx-2309406147">.body.jsx-2309406147 p{word-break:break-word;margin:0 0 1.75rem 0}.body.jsx-2309406147 ul,.body.jsx-2309406147 ol{margin:0 0 1.75rem 0}.body.jsx-2309406147 li{list-style-type:disc;margin-left:2.125rem;padding-left:0.5rem}.body.jsx-2309406147 blockquote{margin-bottom:1.75rem}.body.articlePage.jsx-2309406147{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 1.125rem; line-height: 1.75rem; padding-bottom: 2.5rem;color:#162433}.body.articlePage.jsx-2309406147 h2{ font-family: 'Barlow', sans-serif; letter-spacing: 0.5px; font-weight: normal; font-size: 2.25rem; line-height: 2.75rem; font-variation-settings: 'wdth' 500, 'wght' 120; margin: 2.5rem 0 1rem 0;}.body.articlePage.jsx-2309406147 h3{ font-family: 'Barlow', sans-serif; font-variation-settings: 'wdth' 500, 'wght' 110; letter-spacing: 0.2px; font-size: 1.625rem; line-height: 2rem; font-weight: normal; margin: 2.5rem 0 0.5rem 0;}.body.articlePage.jsx-2309406147 p a,.body.articlePage.jsx-2309406147 ul a,.body.articlePage.jsx-2309406147 ol a,.body.articlePage.jsx-2309406147 td a,.body.articlePage.jsx-2309406147 h2 a,.body.articlePage.jsx-2309406147 h3 a{color:#162433;text-decoration:none;border-bottom:2px solid #146aff}.body.articlePage.jsx-2309406147 p a:hover,.body.articlePage.jsx-2309406147 ul a:hover,.body.articlePage.jsx-2309406147 ol a:hover,.body.articlePage.jsx-2309406147 td a:hover,.body.articlePage.jsx-2309406147 h2 a:hover,.body.articlePage.jsx-2309406147 h3 a:hover{background:#0f56d3;color:#ffffff;border-bottom:2px solid #0f56d3}@media (max-width: 1024px){.body.articlePage.jsx-2309406147 h2{ font-family: 'Barlow', sans-serif; font-variation-settings: 'wdth' 500, 'wght' 110; letter-spacing: 0.2px; font-size: 1.625rem; line-height: 2rem; font-weight: normal; margin: 2rem 0 1rem 0;}.body.articlePage.jsx-2309406147 h3{ font-family: 'Barlow', sans-serif; font-variation-settings: 'wdth' 500, 'wght' 110; letter-spacing: 0.2px; font-size: 1.375rem; line-height: 1.75rem; font-weight: normal; margin: 2rem 0 1rem 0;}}.body.generalPage.jsx-2309406147{ font-family: 'Poppins', sans-serif; font-weight: 400; color: #162433; letter-spacing: 0; text-decoration: none; font-size: 1rem; line-height: 1.5rem; padding-bottom: 2.5rem;color:#162433}.body.generalPage.jsx-2309406147 h2{ font-family: 'Sora', sans-serif; letter-spacing: 0; font-weight: 700; color: #162433; font-size: 2.375rem; line-height: 2.75rem; margin: 2.5rem 0 1rem 0;}.body.generalPage.jsx-2309406147 h3{ font-family: 'Sora', sans-serif; letter-spacing: 0; color: #162433; font-weight: 600; text-decoration: none; font-size: 1.75rem; line-height: 2.125rem; margin: 2.5rem 0 0.5rem 0;}.body.generalPage.jsx-2309406147 p a,.body.generalPage.jsx-2309406147 ul a,.body.generalPage.jsx-2309406147 ol a,.body.generalPage.jsx-2309406147 td a,.body.generalPage.jsx-2309406147 h2 a,.body.generalPage.jsx-2309406147 h3 a{color:#162433;text-decoration:none;border-bottom:2px solid #146AFF}.body.generalPage.jsx-2309406147 p a:hover,.body.generalPage.jsx-2309406147 ul a:hover,.body.generalPage.jsx-2309406147 ol a:hover,.body.generalPage.jsx-2309406147 td a:hover,.body.generalPage.jsx-2309406147 h2 a:hover,.body.generalPage.jsx-2309406147 h3 a:hover{background:#0040B1;color:#ffffff;border-bottom:2px solid #0040B1}.body.generalPage.jsx-2309406147 hr{margin:0.5rem 0}@media (max-width: 1024px){.body.generalPage.jsx-2309406147 h2{ font-family: 'Sora', sans-serif; letter-spacing: 0; color: #162433; font-weight: 600; text-decoration: none; font-size: 1.75rem; line-height: 2.125rem; margin: 2rem 0 1rem 0;}.body.generalPage.jsx-2309406147 h3{ font-family: 'Sora', sans-serif; letter-spacing: 0; color: #162433; font-weight: 600; text-decoration: none; font-size: 1.375rem; line-height: 1.75rem; margin: 2rem 0 1rem 0;}}</style><style id="__jsx-3814564231">.featuredImageCredit.jsx-3814564231{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 1.125rem; line-height: 1.75rem; ;color:#5f6f80;padding-bottom:1rem;text-transform:uppercase}@media (min-width: 1025px){.featuredImageCredit.jsx-3814564231{padding-bottom:1.5rem}}</style><style id="__jsx-3000030127">.bottomDisclaimer.jsx-3000030127{border-top:1px solid #adbbc9;padding-top:1rem;padding-bottom:2.5rem;color:#5f6f80; font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.75rem; line-height: 1rem; ;}@media (max-width: 1024px){.bottomDisclaimer.jsx-3000030127{padding-bottom:2rem}}</style><style id="__jsx-1141314206">.debug.jsx-1141314206{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;background:#ffffff;padding:4rem 2rem 2rem 2rem}.readout.jsx-1141314206{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.75rem; line-height: 1rem; ;background:black;color:lightgreen}.pre.jsx-1141314206{margin:0;padding:1rem;white-space:pre-wrap}.button.jsx-1141314206{position:absolute;top:1.1875rem;right:1.5rem}</style><style id="__jsx-1875764269">.details.jsx-1875764269{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column}.details.jsx-1875764269>.temporal{padding-bottom:0.75rem}.details.jsx-1875764269>.articleActions{padding-bottom:0.75rem}@media (min-width: 768px) and (max-width: 1024px){.cardTileOnPrp.jsx-1875764269{padding:2.5rem 0}.details.jsx-1875764269{-webkit-box-pack:justify;-webkit-justify-content:space-between;-moz-box-pack:justify;-ms-flex-pack:justify;justify-content:space-between;-webkit-box-orient:horizontal;-webkit-box-direction:normal;-webkit-flex-direction:row;-moz-box-orient:horizontal;-moz-box-direction:normal;-ms-flex-direction:row;flex-direction:row;width:-webkit-calc(100vw - 2.375rem);width:-moz-calc(100vw - 2.375rem);width:calc(100vw - 2.375rem)}}@media (max-width: 767px){.cardTileOnPrp.jsx-1875764269{padding:2rem 0}}@media (min-width: 1025px){.cardTileOnPrp.jsx-1875764269{padding:3.5rem 0}.details.jsx-1875764269{-webkit-box-pack:justify;-webkit-justify-content:space-between;-moz-box-pack:justify;-ms-flex-pack:justify;justify-content:space-between;-webkit-box-orient:horizontal;-webkit-box-direction:normal;-webkit-flex-direction:row;-moz-box-orient:horizontal;-moz-box-direction:normal;-ms-flex-direction:row;flex-direction:row}}</style><style id="__jsx-120275248">.logo.jsx-120275248{width:219px}@media (min-width: 768px) and (max-width: 1024px){.logo.jsx-120275248{width:114px}}@media (max-width: 767px){.logo.jsx-120275248{width:125px}}</style><style id="__jsx-1000103190">.slogan.jsx-1000103190{ font-family: 'Barlow', sans-serif; font-variation-settings: 'wdth' 500, 'wght' 110; letter-spacing: 0.2px; font-size: 1.625rem; line-height: 2rem; font-weight: normal; color: #ffffff;padding-top:2rem;margin:0}@media (min-width: 768px) and (max-width: 1024px){.slogan.jsx-1000103190{ font-family: 'roboto', sans-serif; font-weight: 700; letter-spacing: 0.2px; font-size: 1.125rem; line-height: 1.5rem; padding-top: 1.5rem;}}@media (max-width: 767px){.slogan.jsx-1000103190{ font-family: 'roboto', sans-serif; font-weight: 700; letter-spacing: 0.2px; font-size: 1.125rem; line-height: 1.5rem; padding-top: 1rem;}}</style><style id="__jsx-2127538461">.socialNav.jsx-2127538461{padding-top:4.5rem}@media (max-width: 1024px){.socialNav.jsx-2127538461{padding-top:2rem}}ul.jsx-2127538461{display:grid;grid-template-columns:repeat(5,2.5rem);grid-column-gap:1.25rem}@media (max-width: 1024px){ul.jsx-2127538461{grid-template-columns:repeat(5,2rem);grid-column-gap:1rem}}li.jsx-2127538461{height:2.5rem}@media (max-width: 1024px){li.jsx-2127538461{height:2rem}}a.jsx-2127538461{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;text-decoration:none;width:2.5rem;height:2.5rem;background:#ffffff;-webkit-border-radius:4px;-moz-border-radius:4px;border-radius:4px;outline-offset:0}.socialNav.jsx-2127538461 a.twitter.jsx-2127538461{color:#000}@media (max-width: 1024px){a.jsx-2127538461{width:2rem;height:2rem}}a.jsx-2127538461:hover,a.jsx-2127538461:focus{outline:2px solid #146aff}.socialNav a svg{-webkit-box-flex:0;-webkit-flex:0 0 1.25rem;-moz-box-flex:0;-ms-flex:0 0 1.25rem;flex:0 0 1.25rem;height:1.25rem}@media (max-width: 1024px){.socialNav a svg{-webkit-box-flex:0;-webkit-flex:0 0 1rem;-moz-box-flex:0;-ms-flex:0 0 1rem;flex:0 0 1rem;height:1rem}}.visuallyHidden.jsx-2127538461{ border: 0; clip: rect(0 0 0 0); height: 1px; overflow: hidden; padding: 0; position: absolute; white-space: nowrap; width: 1px; }</style><style id="__jsx-3793172513">.instance.newsletter.jsx-3793172513{-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;background:#146aff;color:#fff;border:none;-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;padding:1rem;-webkit-transition:.15s ease-in-out;-moz-transition:.15s ease-in-out;-o-transition:.15s ease-in-out;transition:.15s ease-in-out;text-decoration:none}.instance.HomepageNLSignup.jsx-3793172513{ font-family: 'Lexend', sans-serif; letter-spacing: 0; color: #162433; font-weight: 500; font-size: 1.125rem; line-height: 1.5rem; padding: 0 1rem;height:3rem;display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;width:100%;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;gap:10px;-webkit-border-radius:100px;-moz-border-radius:100px;border-radius:100px}.HomepageNLSignup.dark.jsx-3793172513{color:#ffffff;background:#146aff}.HomepageNLSignup.dark.jsx-3793172513:hover{background:#ffffff;color:#146aff}.HomepageNLSignup.light.jsx-3793172513{color:#146aff;background:#ffffff}.HomepageNLSignup.light.jsx-3793172513:hover{background:#146aff;color:#ffffff}</style><style id="__jsx-2845995996">.nav.jsx-2845995996{display:grid;grid-template-columns:1fr 1fr 10.5rem;gap:2rem;padding-bottom:2rem;max-width:40rem}.nav.jsx-2845995996 a.jsx-2845995996:link,.nav.jsx-2845995996 a.jsx-2845995996:visited,.nav.jsx-2845995996 button.jsx-2845995996{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 1.125rem; ;font-weight:500;-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out;color:#ffffff;text-decoration:underline;-webkit-text-decoration-color:transparent;-moz-text-decoration-color:transparent;text-decoration-color:transparent;text-align:left}.nav.jsx-2845995996 a.jsx-2845995996:hover,.nav.jsx-2845995996 button.jsx-2845995996:hover{color:#b7ccf2;text-decoration:underline;-webkit-text-decoration-color:#b7ccf2;-moz-text-decoration-color:#b7ccf2;text-decoration-color:#b7ccf2}.nav.jsx-2845995996 h4.jsx-2845995996{ font-family: 'roboto', sans-serif; font-weight: 700; letter-spacing: 0.2px; font-size: 0.875rem; line-height: 1.125rem; ;color:#0fa66a;text-transform:uppercase;margin-top:0;margin-bottom:1.5rem}@media (max-width: 1024px){.nav.jsx-2845995996 a.jsx-2845995996:link,.nav.jsx-2845995996 a.jsx-2845995996:visited,.nav.jsx-2845995996 button.jsx-2845995996{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; ;font-weight:500}}@media (min-width: 768px) and (max-width: 1024px){.nav.jsx-2845995996{grid-template-columns:1fr 1fr 8.5rem;gap:1rem}h4.jsx-2845995996{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; ;margin-bottom:1rem}}@media (max-width: 767px){.nav.jsx-2845995996{display:-webkit-box;display:-webkit-flex;display:-moz-box;display:-ms-flexbox;display:flex;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:start;-webkit-justify-content:flex-start;-moz-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;grid-template-columns:none;gap:unset}.nav.jsx-2845995996>div.jsx-2845995996{padding-top:3rem;-webkit-box-flex:0;-webkit-flex:0 0 50%;-moz-box-flex:0;-ms-flex:0 0 50%;flex:0 0 50%}h4.jsx-2845995996{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.75rem; ;margin-bottom:1rem}}li.jsx-2845995996{margin-bottom:1rem}li.jsx-2845995996:last-child{margin-bottom:0}</style><style id="__jsx-1663186118">.commitment.jsx-1663186118{max-width:530px; font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 1.125rem; line-height: 1.75rem; color: #f5f5f7;padding-top:1rem;padding-bottom:0.25rem}.commitment.jsx-1663186118 a.jsx-1663186118:link,.commitment.jsx-1663186118 a.jsx-1663186118:visited{-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out;color:#f5f5f7;-webkit-text-decoration-color:#f5f5f7;-moz-text-decoration-color:#f5f5f7;text-decoration-color:#f5f5f7}.commitment.jsx-1663186118 a.jsx-1663186118:hover{-webkit-transition:150ms ease-in-out;-moz-transition:150ms ease-in-out;-o-transition:150ms ease-in-out;transition:150ms ease-in-out;color:#b7ccf2;-webkit-text-decoration-color:#b7ccf2;-moz-text-decoration-color:#b7ccf2;text-decoration-color:#b7ccf2}h4.jsx-1663186118{ font-family: 'roboto', sans-serif; font-weight: 700; letter-spacing: 0.2px; font-size: 0.875rem; line-height: 1.125rem; ;color:#0fa66a;text-transform:uppercase;margin-top:0;margin-bottom:1.5rem}@media (min-width: 768px) and (max-width: 1024px){.commitment.jsx-1663186118{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.875rem; line-height: 1.25rem; padding-top: 0;}h4.jsx-1663186118{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.875rem; ;margin-bottom:1rem}}@media (max-width: 767px){.commitment.jsx-1663186118{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.875rem; line-height: 1.25rem; }h4.jsx-1663186118{ font-family: 'roboto', sans-serif; letter-spacing: 0.5px; line-height: normal; font-weight: 700; font-size: 0.75rem; ;margin-bottom:1rem}}</style><style id="__jsx-3676132936">.copyright.jsx-3676132936{ font-family: 'roboto', sans-serif; letter-spacing: 0.2px; font-weight: 400; font-size: 0.625rem; line-height: 0.75rem; color: #adbbc9;}@media (max-width: 767px){.copyright.jsx-3676132936{padding-top:0.25rem}}</style><style data-href="https://fonts.googleapis.com/css2?family=Sora:wght@600..700&display=swap">@font-face{font-family:'Sora';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/sora/v12/xMQOuFFYT72X5wkB_18qmnndmSeMmX-J.woff) format('woff')}@font-face{font-family:'Sora';font-style:normal;font-weight:700;font-display:swap;src:url(https://fonts.gstatic.com/s/sora/v12/xMQOuFFYT72X5wkB_18qmnndmSe1mX-J.woff) format('woff')}@font-face{font-family:'Sora';font-style:normal;font-weight:600 700;font-display:swap;src:url(https://fonts.gstatic.com/s/sora/v12/xMQ9uFFYT72X5wkB_18qmnndmSdSnh2BAfO5mnuyOo1lfiQwWa-xo6eeI7fM.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Sora';font-style:normal;font-weight:600 700;font-display:swap;src:url(https://fonts.gstatic.com/s/sora/v12/xMQ9uFFYT72X5wkB_18qmnndmSdSnh2BAfO5mnuyOo1lfiQwV6-xo6eeIw.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}</style><style data-href="https://fonts.googleapis.com/css2?family=Lexend:wght@400;500;600;700&display=swap">@font-face{font-family:'Lexend';font-style:normal;font-weight:400;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlptgwvFAVdoq2_F94zlCfv0bz1WCzsW_LM.woff) format('woff')}@font-face{font-family:'Lexend';font-style:normal;font-weight:500;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlptgwvFAVdoq2_F94zlCfv0bz1WCwkW_LM.woff) format('woff')}@font-face{font-family:'Lexend';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlptgwvFAVdoq2_F94zlCfv0bz1WC-UR_LM.woff) format('woff')}@font-face{font-family:'Lexend';font-style:normal;font-weight:700;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlptgwvFAVdoq2_F94zlCfv0bz1WC9wR_LM.woff) format('woff')}@font-face{font-family:'Lexend';font-style:normal;font-weight:400;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9KQU82RHaBBX.woff2) format('woff2');unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:'Lexend';font-style:normal;font-weight:400;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9aQU82RHaBBX.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Lexend';font-style:normal;font-weight:400;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v-6QU82RHaA.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:'Lexend';font-style:normal;font-weight:500;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9KQU82RHaBBX.woff2) format('woff2');unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:'Lexend';font-style:normal;font-weight:500;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9aQU82RHaBBX.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Lexend';font-style:normal;font-weight:500;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v-6QU82RHaA.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:'Lexend';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9KQU82RHaBBX.woff2) format('woff2');unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:'Lexend';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9aQU82RHaBBX.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Lexend';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v-6QU82RHaA.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:'Lexend';font-style:normal;font-weight:700;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9KQU82RHaBBX.woff2) format('woff2');unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:'Lexend';font-style:normal;font-weight:700;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v9aQU82RHaBBX.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Lexend';font-style:normal;font-weight:700;font-display:swap;src:url(https://fonts.gstatic.com/s/lexend/v23/wlpwgwvFAVdoq2_v-6QU82RHaA.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}</style><style data-href="https://fonts.googleapis.com/css2?family=Poppins:wght@400;500;600&display=swap">@font-face{font-family:'Poppins';font-style:normal;font-weight:400;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiEyp8kv8JHgFVrFJM.woff) format('woff')}@font-face{font-family:'Poppins';font-style:normal;font-weight:500;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiByp8kv8JHgFVrLGT9V1g.woff) format('woff')}@font-face{font-family:'Poppins';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiByp8kv8JHgFVrLEj6V1g.woff) format('woff')}@font-face{font-family:'Poppins';font-style:normal;font-weight:400;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiEyp8kv8JHgFVrJJnecnFHGPezSQ.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Poppins';font-style:normal;font-weight:400;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiEyp8kv8JHgFVrJJfecnFHGPc.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:'Poppins';font-style:normal;font-weight:500;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiByp8kv8JHgFVrLGT9Z1JlFd2JQEl8qw.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Poppins';font-style:normal;font-weight:500;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiByp8kv8JHgFVrLGT9Z1xlFd2JQEk.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:'Poppins';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiByp8kv8JHgFVrLEj6Z1JlFd2JQEl8qw.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:'Poppins';font-style:normal;font-weight:600;font-display:swap;src:url(https://fonts.gstatic.com/s/poppins/v22/pxiByp8kv8JHgFVrLEj6Z1xlFd2JQEk.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}</style></head><body><div id="__next"><div id="ZN_1Yezw3uQ6LQu1lc"></div><div style="opacity:1"><a class="Header_showOnFocus__PwqqB" href="#main">Skip to content</a><div class="headroom-wrapper"><div style="position:relative;top:0;left:0;right:0;z-index:1;-webkit-transform:translate3D(0, 0, 0);-ms-transform:translate3D(0, 0, 0);transform:translate3D(0, 0, 0)" class="headroom headroom--unfixed"><header class="Header_header__MwWvM" data-attribute="site-header-public"><div class="Header_wrapper__PJAKW"><span><button data-attribute="menu-toggle" on="tap:menuSidebar.open" class="jsx-4259696460 menuToggle "><div class="jsx-4259696460 hamburger"><span class="jsx-4259696460"></span><span class="jsx-4259696460"></span><span class="jsx-4259696460"></span></div><span class="jsx-4259696460 label">Menu</span></button></span><div data-attribute="home-link" class="jsx-2279346079 homeLink"><a href="/" class="jsx-2279346079"><svg fill="none" viewBox="0 0 220 32" xmlns="http://www.w3.org/2000/svg"><circle cx="204.464" cy="16.242" fill="url(#logos_svg__a)" r="15.758"></circle><path d="M210.319 9.297h-11.313c-.596 0-1.081.485-1.089 1.081l-.009 1.531c0 .286.113.571.32.77.208.207.484.32.77.32h6.08l-7.248 7.248a1.09 1.09 0 0 0 0 1.539l1.081 1.081c.217.216.493.32.77.32s.554-.104.77-.32l7.247-7.248v6.08c0 .286.113.563.32.77.208.208.485.294.77.32l1.531-.009c.597 0 1.081-.492 1.081-1.09V10.388a1.072 1.072 0 0 0-1.081-1.09Z" fill="#fff"></path><path clip-rule="evenodd" d="M31.331 30.455V20.33h1.812c5.61 0 8.116-2.292 8.116-7.07V7.025C41.259 2.3 38.753 0 33.143 0H27.36c-.945 0-1.508.533-1.508 1.501v28.954c0 .968.555 1.545 1.508 1.545h2.463c.945 0 1.508-.569 1.508-1.545ZM35.78 13.25c0 1.643-.693 2.745-2.636 2.745h-1.812V4.325h1.812c1.943 0 2.636 1.11 2.636 2.7v6.225ZM59.037 25.244V6.756c0-4.53-2.429-6.756-7.725-6.756-5.288 0-7.683 2.217-7.683 6.756v18.488c0 4.53 2.395 6.756 7.683 6.756s7.725-2.217 7.725-6.756Zm-10.07 0V6.756c0-1.481.625-2.48 2.353-2.489 1.72 0 2.395 1.008 2.395 2.489v18.488c0 1.49-.674 2.489-2.395 2.489-1.72 0-2.352-1.008-2.352-2.489Z" fill="#231F20" fill-rule="evenodd"></path><path d="M67.334 30.455c0 .977-.488 1.545-1.306 1.545h-2.13c-.825 0-1.305-.577-1.305-1.545V1.5C62.593.533 63.08 0 63.898 0h2.13c.818 0 1.305.533 1.305 1.501v28.954ZM82.296 1.501c0-.968.538-1.501 1.441-1.501h2.344c.911 0 1.4.533 1.4 1.501v28.954c0 .977-.497 1.545-1.4 1.545h-1.946c-.87 0-1.193-.488-1.442-1.146l-5.376-15.818v15.419c0 .977-.497 1.545-1.4 1.545h-2.402c-.911 0-1.441-.577-1.441-1.545V1.5c0-.968.538-1.501 1.441-1.501h1.905c.87 0 1.234.488 1.442 1.146l5.434 16.04V1.5ZM100.39 4.326v26.128c0 .977-.582 1.546-1.558 1.546h-2.544c-.985 0-1.558-.578-1.558-1.546V4.326h-4.505c-.976 0-1.558-.577-1.558-1.545V1.5c0-.968.582-1.501 1.558-1.501h14.661c.985 0 1.558.533 1.558 1.501v1.28c0 .968-.582 1.545-1.558 1.545h-4.496ZM116.269 12.075l4.708 4.45c2.654 2.445 3.237 4.496 3.237 8.72 0 4.538-2.4 6.755-7.7 6.755-5.299 0-7.699-2.226-7.699-6.756v-3.443c0-.964.507-1.525 1.428-1.525h2.443c.921 0 1.428.57 1.428 1.525v3.443c0 1.481.676 2.489 2.4 2.489 1.725 0 2.401-1 2.401-2.489 0-2.445-.338-3.619-2.147-5.319l-4.75-4.45c-2.654-2.445-3.195-4.496-3.195-8.72 0-4.538 2.401-6.755 7.7-6.755s7.699 2.226 7.699 6.756v3.443c0 .955-.507 1.481-1.428 1.481h-2.443c-.921 0-1.428-.526-1.428-1.48V6.755c0-1.481-.676-2.489-2.4-2.489-1.724 0-2.4 1-2.4 2.489.008 2.444.338 3.619 2.146 5.319ZM148.233 15.472c.944 0 1.506.52 1.506 1.462v8.398c0 4.48-2.501 6.668-7.927 6.668s-7.883-2.197-7.883-6.668V7.075c0-4.48 2.457-6.669 7.883-6.669s7.927 2.197 7.927 6.669V9.92c0 .943-.562 1.505-1.506 1.505h-2.457c-.952 0-1.506-.562-1.506-1.505V7.075c0-1.462-.692-2.457-2.458-2.457-1.765 0-2.414.986-2.414 2.457v18.248c0 1.462.649 2.456 2.414 2.456 1.766 0 2.458-.986 2.458-2.456v-5.639h-1.03c-.952 0-1.462-.562-1.462-1.505v-1.245c0-.951.519-1.462 1.462-1.462h4.993ZM152.69 2.084c0-.942.562-1.461 1.506-1.461h2.457c.944 0 1.506.519 1.506 1.461v23.248c0 1.462.649 2.456 2.414 2.456 1.766 0 2.458-.986 2.458-2.456V2.084c0-.942.563-1.461 1.506-1.461h2.458c.943 0 1.505.519 1.505 1.461v23.248c0 4.48-2.501 6.668-7.927 6.668-5.425 0-7.883-2.197-7.883-6.668V2.084ZM174.575.623c.606 0 1.246.26 1.462 1.029l1.852 6.97 1.246 6.245h.347l1.202-6.244 1.896-6.971c.216-.778.865-1.03 1.462-1.03h2.328c1.289 0 1.679 1.03 1.333 2.068l-5.686 17.902v9.687c0 .951-.519 1.505-1.462 1.505h-2.501c-.952 0-1.463-.562-1.463-1.505v-9.687L170.862 2.69c-.302-1.03.087-2.067 1.376-2.067h2.337ZM3.96 2.585v7.36c0 .344-.214.55-.572.55h-.922c-.358 0-.572-.198-.572-.55v-7.36H.572c-.359 0-.572-.197-.572-.55v-.69c0-.344.213-.55.572-.55h4.71c.359 0 .572.198.572.55v.698c0 .345-.213.55-.572.55H3.96v-.008ZM9.66 4.603h1.996V1.346c0-.345.213-.55.572-.55h.921c.359 0 .572.197.572.55v8.607c0 .344-.213.55-.572.55h-.913c-.358 0-.572-.197-.572-.55V6.687H9.668v3.258c0 .344-.214.55-.572.55h-.922c-.358 0-.571-.198-.571-.55v-8.6c0-.344.213-.55.571-.55h.922c.358 0 .572.198.572.55v3.258h-.009ZM20.164.796c.358 0 .571.197.571.55v.697c0 .345-.213.55-.571.55H18.14V4.61h1.494c.358 0 .571.197.571.55v.697c0 .345-.213.55-.571.55H18.14v2.306h2.023c.358 0 .571.205.571.55v.697c0 .345-.213.55-.571.55h-3.516c-.358 0-.572-.197-.572-.55V1.346c0-.345.213-.55.572-.55h3.516Z" fill="#231F20"></path><defs><linearGradient class="gradeint" gradientUnits="userSpaceOnUse" id="logos_svg__a" x1="198.693" x2="225.993" y1="37.772" y2="22.01"><stop offset="0.023" stop-color="#45C36A"></stop><stop offset="0.148" stop-color="#3CC47D"></stop><stop offset="1" stop-color="#00CDFF"></stop></linearGradient></defs></svg><span class="jsx-2279346079 visuallyHidden">Go to Home Page</span></a></div><div class="Header_scrim__jrLpv"></div><div class="Header_menu__oAriL"><div class="MainNav_menu__hvVDd"><nav aria-label="Main" class=""><div class="jsx-2733693566 children"><ul class="MainNav_menuItems__702S7"></ul></div></nav></div></div><div class="Header_newsletterTriggerDT__GwWNe"></div><div class="Header_disclosureTriggerDt__AWdjw"><button data-attribute="advertiser-disclosure-trigger" class="jsx-2745583457 advertiserDisclosureTrigger">Advertiser disclosure</button></div><div class="Header_searchTrigger___69DK" data-attribute="search-trigger"><span class="tw-flex tw-h-full tw-w-full tw-items-center tw-justify-center"><button class="SearchTrigger_searchTriggerHeader__sICs_ tw-w-full tw-h-full tw-justify-center" type="button"><i><svg aria-hidden="true" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="m23.384 21.619-6.529-6.529a9.284 9.284 0 1 0-1.768 1.768l6.529 6.529c.492.48 1.276.48 1.768 0a1.25 1.25 0 0 0 0-1.768zM2.75 9.5a6.75 6.75 0 1 1 13.5 0 6.75 6.75 0 0 1-6.75 6.75A6.76 6.76 0 0 1 2.75 9.5z" fill="currentColor"></path></svg></i><div class="SearchTrigger_screenReader__6hnla">Search The Points Guy</div></button></span></div><div class="Header_newsletterTriggerTab__5ZhPO"></div><div class="Header_navBar__mYtWc"></div></div></header></div></div><div class="Header_disclosureTriggerMobTab__iLRIJ disclosure-trigger-mob-tab"><button data-attribute="advertiser-disclosure-trigger" class="jsx-2745583457 advertiserDisclosureTrigger">Advertiser disclosure</button></div><main id="main" class="jsx-1875764269 Article_main__LWhb4"><div class="jsx-1875764269 Article_articleStart__gEtja"></div><article id="article" class="jsx-1875764269 Article_article__hh53N"><div aria-label="Advertisement" class="tw-flex tw-items-center tw-justify-center tw-pb-6 tw-pt-4 md:tw-pb-8 " role="banner" style="min-height:90px;min-width:728px"><div aria-label="Advertisement" role="complementary"><small style="display:block;font-size:9px">ADVERTISEMENT</small><div class="tw-block" data-testid="" id="" style="height:50px;width:320px;min-height:90px;min-width:728px"></div></div></div><div class="jsx-2720644952 category"><a href="/guides/" class="jsx-2720644952">Guide</a></div><div class="jsx-3487423884 title"><h1 class="jsx-3487423884">The complete guide to Chase Ultimate Rewards: How to earn, redeem and transfer points</h1></div><div class="jsx-444286861 byline"><div class="jsx-416730657 byline"><div class="jsx-431999578 tooltip"><button on="tap:tooltip-byline" class="jsx-431999578 triggerText"><span class="jsx-431999578 triggerText">Ben Smithson</span></button><div class="jsx-431999578 dialog false undefined"><div class="jsx-431999578"><div class="jsx-416730657 authorDialog"><div class="jsx-416730657 contact"><div class="jsx-416730657 avatar"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:100%"></span><img alt="Ben Smithson" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Ben Smithson" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="/_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=640&q=75 640w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=750&q=75 750w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=828&q=75 828w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=1080&q=75 1080w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=1200&q=75 1200w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=1920&q=75 1920w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=2048&q=75 2048w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=3840&q=75 3840w" src="/_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F03%2Fprof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg&w=3840&q=75"/></noscript></span></div><div class="jsx-416730657 nameTitle"><a href="/author/bensmithson/" style="font-size:14px" class="jsx-416730657 authorName">Ben Smithson</a><div class="jsx-416730657 role">Senior writer</div></div></div><div class="jsx-416730657"><span class="jsx-416730657 bio">Ben Smithson is a travel loyalty expert based in London.</span></div><div class="jsx-416730657 social"><a data-testid="Email" href="mailto:ben.smithson@thepointsguy.com" target="_blank" class="jsx-416730657"><svg fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path clip-rule="evenodd" d="M2.339 10.003A1.99 1.99 0 002 11.117v9.197a2 2 0 002 2h16a2 2 0 002-2v-9.197a1.99 1.99 0 00-.339-1.114l-8.89 7.332c-.426.352-1.116.352-1.542 0l-8.89-7.332zm20.195-1.631A3.992 3.992 0 0124 11.467v8.497a4 4 0 01-4 4H4a4 4 0 01-4-4v-8.497c0-1.24.565-2.349 1.45-3.083a.931.931 0 01.199-.223L11.224.264c.426-.352 1.117-.352 1.543 0l9.58 7.901a.937.937 0 01.187.207z" fill="currentColor"></path></svg></a><a data-testid="Linkedin" href="https://www.linkedin.com/in/bensmithson1/" rel="noreferrer" target="_blank" class="jsx-416730657"><svg viewBox="0 0 310 310" xml:space="preserve" xmlns="http://www.w3.org/2000/svg"><path d="M72.16 99.73H9.927a5 5 0 0 0-5 5v199.928a5 5 0 0 0 5 5H72.16a5 5 0 0 0 5-5V104.73a5 5 0 0 0-5-5zM41.066.341C18.422.341 0 18.743 0 41.362 0 63.991 18.422 82.4 41.066 82.4c22.626 0 41.033-18.41 41.033-41.038C82.1 18.743 63.692.341 41.066.341zM230.454 94.761c-24.995 0-43.472 10.745-54.679 22.954V104.73a5 5 0 0 0-5-5h-59.599a5 5 0 0 0-5 5v199.928a5 5 0 0 0 5 5h62.097a5 5 0 0 0 5-5V205.74c0-33.333 9.054-46.319 32.29-46.319 25.306 0 27.317 20.818 27.317 48.034v97.204a5 5 0 0 0 5 5H305a5 5 0 0 0 5-5V194.995c0-49.565-9.451-100.234-79.546-100.234z" fill="currentColor"></path></svg></a><a data-testid="Instagram" href="https://www.instagram.com/ben___smithson/" rel="noreferrer" target="_blank" class="jsx-416730657"><svg data-testid="instagramIcon" fill="none" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><path d="M10 1.8c2.672 0 2.988.012 4.04.06.976.042 1.503.206 1.855.343.464.18.8.399 1.148.746.352.352.566.684.746 1.149.137.351.3.882.344 1.855.047 1.055.058 1.371.058 4.04 0 2.671-.011 2.987-.058 4.038-.043.977-.207 1.504-.344 1.856-.18.465-.398.8-.746 1.148a3.077 3.077 0 0 1-1.148.746c-.352.137-.883.301-1.856.344-1.055.047-1.371.059-4.039.059-2.672 0-2.988-.012-4.04-.059-.976-.043-1.503-.207-1.855-.344-.464-.18-.8-.398-1.148-.746a3.076 3.076 0 0 1-.746-1.148c-.137-.352-.3-.883-.344-1.856-.047-1.054-.058-1.37-.058-4.039 0-2.672.011-2.988.058-4.039.043-.976.207-1.504.344-1.855.18-.465.398-.801.746-1.149a3.076 3.076 0 0 1 1.148-.746c.352-.137.883-.3 1.856-.344 1.05-.046 1.367-.058 4.039-.058ZM10 0C7.285 0 6.945.012 5.879.059 4.816.105 4.086.277 3.453.523A4.88 4.88 0 0 0 1.68 1.68 4.9 4.9 0 0 0 .523 3.45C.277 4.085.105 4.811.06 5.874.012 6.945 0 7.285 0 10s.012 3.055.059 4.121c.046 1.063.218 1.793.464 2.426.258.66.598 1.219 1.157 1.773a4.888 4.888 0 0 0 1.77 1.153c.636.246 1.362.418 2.425.465 1.066.046 1.406.058 4.121.058 2.715 0 3.055-.012 4.121-.058 1.063-.047 1.793-.22 2.426-.465a4.888 4.888 0 0 0 1.77-1.153 4.888 4.888 0 0 0 1.152-1.77c.246-.636.418-1.363.465-2.425.047-1.066.058-1.406.058-4.121 0-2.715-.011-3.055-.058-4.121-.047-1.063-.22-1.793-.465-2.426A4.683 4.683 0 0 0 18.32 1.68 4.889 4.889 0 0 0 16.55.527C15.915.281 15.188.11 14.126.062 13.055.012 12.715 0 10 0Z" fill="currentColor"></path><path d="M10 4.863A5.138 5.138 0 0 0 4.863 10a5.138 5.138 0 0 0 10.273 0c0-2.836-2.3-5.137-5.136-5.137Zm0 8.469a3.333 3.333 0 1 1 .001-6.665A3.333 3.333 0 0 1 10 13.332ZM16.54 4.66a1.2 1.2 0 1 1-2.4 0 1.2 1.2 0 0 1 2.4 0Z" fill="currentColor"></path></svg></a></div></div><div class="jsx-431999578 pointer"></div></div></div></div></div></div><div class="jsx-3122506519 temporal"><div class="jsx-3122506519">Oct. 22, 2024</div><div class="jsx-3122506519">•</div><div class="jsx-3122506519">16 min read</div></div><div class="jsx-3090580028 featuredImageWithToc"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Young Asian woman shopping online for flight ticket on airline website with laptop at home, sitting next to suitcase with sun hat, camera, clothings, headphones, smartphone and passport. Getting ready for vacation. Travel and vacation concept" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg?width=3840" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover"/></span></div><div class="jsx-de4115f42c48e362 jsx-2927102002"></div><div class="jsx-de4115f42c48e362 jsx-2927102002 articleHeader"><div class="jsx-de4115f42c48e362 jsx-2927102002 "><div class="jsx-de4115f42c48e362 jsx-2927102002 cta"><button type="button" class="jsx-de4115f42c48e362 jsx-2927102002 jumpToSection"><div aria-hidden="true" class="jsx-de4115f42c48e362 jsx-2927102002 icon"><svg fill="none" viewBox="0 0 14 14" xmlns="http://www.w3.org/2000/svg"><rect height="12" rx="1.5" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" width="11.957" x="1" y="1"></rect><path d="M3.99 4h5.978M3.99 7h5.978M3.99 10H6.23" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5"></path></svg></div><div class="jsx-de4115f42c48e362 jsx-2927102002 text">Jump to section</div></button><div class="jsx-de4115f42c48e362 jsx-2927102002 sharing"><div class="jsx-368394043 sharing"><button class="jsx-368394043 openerIos"><svg aria-label="Open sharing menu" fill="none" viewBox="0 0 18 26" xmlns="http://www.w3.org/2000/svg"><path d="M14.09 9h1.456C16.349 9 17 9.716 17 10.6v12.8c0 .884-.651 1.6-1.454 1.6H2.455C1.65 25 1 24.284 1 23.4V10.6C1 9.716 1.651 9 2.455 9h1.454M9 1v11.2M5.364 5 9 1l3.636 4" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2"></path></svg></button><ul aria-label="Sharing menu" class="jsx-368394043 menu"><li class="jsx-368394043"><button class="jsx-368394043 facebook"><div class="jsx-368394043 icon"><svg fill="none" viewBox="0 0 11 20" xmlns="http://www.w3.org/2000/svg"><path clip-rule="evenodd" d="M10.385.144v3.173H8.498c-1.479 0-1.755.71-1.755 1.731V7.32h3.521l-.468 3.557H6.743V20H3.065v-9.123H0V7.32h3.065V4.7c0-3.041 1.863-4.7 4.58-4.7 1.297 0 2.415.096 2.74.144Z" fill="currentColor" fill-rule="evenodd"></path></svg></div><div class="jsx-368394043 label">Facebook</div></button></li><li class="jsx-368394043"><button class="jsx-368394043 twitter"><div class="jsx-368394043 icon"><svg fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M14.095479,10.316482L22.286354,1h-1.940718l-7.115352,8.087682L7.551414,1H1l8.589488,12.231093L1,23h1.940717 l7.509372-8.542861L16.448587,23H23L14.095479,10.316482z M11.436522,13.338465l-0.871624-1.218704l-6.924311-9.68815h2.981339 l5.58978,7.82155l0.867949,1.218704l7.26506,10.166271h-2.981339L11.436522,13.338465z" fill="currentColor"></path></svg></div><div class="jsx-368394043 label">Twitter</div></button></li><li class="jsx-368394043"><button class="jsx-368394043 linkedIn"><div class="jsx-368394043 icon"><svg viewBox="0 0 310 310" xml:space="preserve" xmlns="http://www.w3.org/2000/svg"><path d="M72.16 99.73H9.927a5 5 0 0 0-5 5v199.928a5 5 0 0 0 5 5H72.16a5 5 0 0 0 5-5V104.73a5 5 0 0 0-5-5zM41.066.341C18.422.341 0 18.743 0 41.362 0 63.991 18.422 82.4 41.066 82.4c22.626 0 41.033-18.41 41.033-41.038C82.1 18.743 63.692.341 41.066.341zM230.454 94.761c-24.995 0-43.472 10.745-54.679 22.954V104.73a5 5 0 0 0-5-5h-59.599a5 5 0 0 0-5 5v199.928a5 5 0 0 0 5 5h62.097a5 5 0 0 0 5-5V205.74c0-33.333 9.054-46.319 32.29-46.319 25.306 0 27.317 20.818 27.317 48.034v97.204a5 5 0 0 0 5 5H305a5 5 0 0 0 5-5V194.995c0-49.565-9.451-100.234-79.546-100.234z" fill="currentColor"></path></svg></div><div class="jsx-368394043 label">LinkedIn</div></button></li><li class="jsx-368394043"><button class="jsx-368394043 link"><div class="jsx-368394043 icon"><svg fill="none" viewBox="0 0 20 16" xmlns="http://www.w3.org/2000/svg"><path d="m8.283 12.667-.725.725a3.5 3.5 0 1 1-4.95-4.95l3.713-3.713a3.5 3.5 0 0 1 5.308 4.53" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.7"></path><path d="m12.525 2.607.583-.583a3.5 3.5 0 0 1 4.95 4.95l-3.712 3.712a3.5 3.5 0 0 1-5.308-4.531" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.7"></path></svg></div><div class="jsx-368394043 label">Copy URL</div></button></li><li class="jsx-368394043"><a href="mailto:?body=https%3A%2F%2Fthepointsguy.com%2Floyalty-programs%2Fchase-ultimate-rewards%2F&subject=The Points Guy: The complete guide to Chase Ultimate Rewards: How to earn, redeem and transfer points" id="sharing-email" class="jsx-368394043 email"><div class="jsx-368394043 icon"><svg fill="none" viewBox="0 0 18 13" xmlns="http://www.w3.org/2000/svg"><rect height="10.667" rx="1.2" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.3" width="16" x="1" y="1"></rect><path d="M11.622 4.894 14.333 7.4M6.378 4.894 3.667 7.4M16.737 1.366 9.972 6.03a1.71 1.71 0 0 1-1.944 0L1.263 1.366" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.3"></path></svg></div><div class="jsx-368394043 label">Email</div></a></li></ul></div></div></div><div class="jsx-de4115f42c48e362 jsx-2927102002 progress"></div></div></div><div aria-hidden="true" class="jsx-de4115f42c48e362 jsx-2927102002 backdrop"></div><div class="jsx-1875764269 Article_parallel__sFvdV"><div class="jsx-1875764269 Article_contentWithToc__nGpJi"><div class="jsx-2099115934 topElements"><div class="jsx-611272369 topDisclaimer">The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our<!-- --> <a href="/advertising-policy/" class="jsx-611272369">advertising policy</a> and<!-- --> <a href="/review-methodology/" class="jsx-611272369">product review methodology</a> for more information.</div></div><div class="jsx-2309406147 body articlePage"><div class="Mobiledoc"><p><a href="https://thepointsguy.com/loyalty-programs/chase-ultimate-rewards-transfer-partners/" rel="noopener" target="_blank">Chase Ultimate Rewards</a> points give you access to some of the best hotel and airline transfer partners in the business, as well as <a href="https://thepointsguy.com/credit-cards/ultimate-rewards-travel-portal/" rel="noopener" target="_blank">Chase Travel℠</a>, the issuer's easy-to-use travel portal, which allows you to redeem points for a wide variety of bookings, including rental cars, hotels, flights, tours and activities.</p><p>Despite increasing competition from <a href="https://thepointsguy.com/guide/ultimate-guide-amex-membership-rewards/" rel="noopener noreferrer" target="_blank">American Express Membership Rewards</a>, <a href="https://thepointsguy.com/guide/ultimate-guide-citi-thankyou-rewards/" rel="noopener noreferrer" target="_blank">Citi ThankYou Rewards,</a> <a href="https://thepointsguy.com/credit-cards/capital-one-cards-earn-transferable-miles/" rel="noopener noreferrer" target="_blank">Capital One miles</a>, <a href="https://thepointsguy.com/loyalty-programs/bilt-rewards-guide/" rel="noopener" target="_blank">Bilt Rewards</a> and <a href="https://thepointsguy.com/guide/wells-fargo-rewards-program/" rel="noopener" target="_blank">Wells Fargo Rewards</a>, Chase Ultimate Rewards has maintained its place as one of the most valuable and useful points currencies.</p><p>If you're ready to get serious about traveling more for less, here's everything you need to know about how to earn and redeem your Chase Ultimate Rewards points.</p><a id="what-are-chase-ultimate-rewards-points" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">What are Chase Ultimate Rewards points?</h2><p>Ultimate Rewards points are the currency of most <a href="https://thepointsguy.com/credit-cards/chase/" rel="noopener" target="_blank">Chase-branded credit cards</a>. You can earn Chase Ultimate Rewards points for everyday spending on these cards that you can then redeem for a wide range of rewards.</p><p>If you're just getting started in the world of travel credit cards, it's typically best to start with Chase products, thanks to the issuer's <a href="https://thepointsguy.com/credit-cards/ultimate-guide-chase-5-24-rule/" rel="noopener" target="_blank">well-documented 5/24 rule</a>. In short, you generally can't get approved for any Chase cards — including those that earn Ultimate Rewards points — if you've applied for five or more new credit cards across all banks in the past 24 months.</p><p>Remember this restriction as you build a strategy to maximize your credit card rewards.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/credit-card-application-restrictions/" rel="noopener" target="_blank">The ultimate guide to credit card application restrictions</a></strong></p><a id="how-do-i-earn-chase-ultimate-rewards-points" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">How do I earn Chase Ultimate Rewards points?</h2><p>There are many ways to earn Chase points at rates of 1 to 10 points per dollar spent, depending on the specific Chase credit card you carry.</p><p>The first three cards below earn fully transferable Ultimate Rewards points all by themselves, while the remaining four are technically billed as <a href="https://thepointsguy.com/credit-cards/cash-back/" rel="noopener noreferrer" target="_blank">cash-back credit cards</a>.</p><div class=" EmailSignUp_container__qYzYT undefined EmailSignUp_isLoading__i_qm0 "><picture class="EmailSignUp_graphic__zgpFm"><source media="screen and (max-width: 767px)" srcSet="/images/EmailSignUp/daily-mob.svg"/><img alt="" src="/images/EmailSignUp/daily-dt.svg"/></picture><div class="EmailSignUp_form__C8FWb"><div class="EmailSignUp_label__fKFKM">Daily Newsletter</div><div class="EmailSignUp_heading__9Nmt4">Reward your inbox with the TPG Daily newsletter</div><div class="EmailSignUp_description__uBGT6">Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts</div><form class="jsx-1071010234 newsletter-form"><div class="jsx-1071010234 newsletter-form__input EmailCapture_instanceArticle__Ahmj_ instanceHomepageNLSignup"><div class="jsx-3240391286 Input_containerGray__8NCcO Article tw-rounded-lg"><input data-label="Email address" id="Article" name="email" placeholder=" " required="" type="email" class="jsx-3240391286 Input_field__nVOw6"/><label for="Article" class="jsx-3240391286 Input_placeholder__yjvvV">Email address</label></div><span><div class="jsx-1071010234 tw-flex tw-h-full tw-items-center tw-justify-center"><button class="tw-heading-10 tw-inline-flex tw-max-h-12 tw-min-h-10 tw-items-center tw-justify-center tw-gap-3 tw-whitespace-nowrap tw-rounded-full tw-px-6 tw-py-2 tw-transition-colors disabled:tw-pointer-events-none tw-bg-cta-blue tw-text-white tw-outline-2 tw-outline-offset-1 tw-outline-cta-blue hover:tw-bg-cta-hover hover:tw-text-white focus:tw-outline disabled:tw-bg-gray-3 tw-w-full tw-border-none">Sign up</button></div></span></div><div class="jsx-1071010234 EmailCapture_confirmation__xasB3 EmailCapture_noCheckbox__n4fsN "><div style="align-items:center" class="jsx-3584303912 legalText legalText-B"><span class="jsx-3584303912">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a href="/terms-of-use/" target="_blank" class="jsx-3584303912">Terms of Use</a> <!-- -->and acknowledge the data practices in our<!-- --> <a href="/privacy-policy/" target="_blank" class="jsx-3584303912">Privacy Policy</a>. You may unsubscribe at any time.</span></div></div></form></div></div><p>However, if you have an Ultimate Rewards points-earning card, you can <a href="https://thepointsguy.com/guide/transfer-ultimate-rewards-points-between-accounts/" rel="noopener" target="_blank">combine your Chase cash-back rewards</a> in a single account, effectively converting your cash-back rewards into fully transferable points. For this reason, having more than one Chase card can make sense to maximize your earning and redeeming potential.</p><p>Here are the seven cards that allow you to earn Chase Ultimate Rewards points.</p><h3>Chase Sapphire Preferred Card</h3><p><strong>Welcome offer</strong>: You'll earn 60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months of account opening. That's worth $750 when redeemed through Chase Travel.</p><p><strong>Why you want it</strong>: This is a fantastic all-around <a href="https://thepointsguy.com/credit-cards/travel/" rel="noopener noreferrer" target="_blank">travel credit card</a>. It earns points at the following rates:</p><ul><li>5 points per dollar spent on Lyft (through March 2025)</li><li>5 points per dollar spent on all travel purchased through Chase Travel</li><li>3 points per dollar spent on <a href="https://thepointsguy.com/credit-cards/which-purchases-count-as-dining-chase-sapphire-reserve/" rel="noopener" target="_blank">dining</a>, including eligible delivery services, takeout and dining out</li><li>3 points per dollar spent on select streaming services</li><li>3 points per dollar spent on online grocery purchases (excluding Target, Walmart and wholesale clubs)</li><li>2 points per dollar spent on all other <a href="https://thepointsguy.com/credit-cards/which-purchases-count-as-travel-chase-sapphire-reserve-preferred/" rel="noopener" target="_blank">travel</a></li><li>1 point per dollar spent on all other purchases</li></ul><p>The Sapphire Preferred<strong>®</strong> Card has <a href="https://thepointsguy.com/credit-cards/no-foreign-transaction-fees/" rel="noopener noreferrer" target="_blank">no foreign transaction fees</a> and comes with <a href="https://thepointsguy.com/credit-cards/lesser-known-sapphire-benefits/" rel="noopener noreferrer" target="_blank">many travel perks</a>, including delayed baggage insurance, <a href="https://thepointsguy.com/credit-cards/credit-card-trip-cancellation-interruption-protection/" rel="noopener" target="_blank">trip interruption/cancellation insurance</a> and <a href="https://thepointsguy.com/credit-cards/cards-primary-car-rental-coverage/" rel="noopener noreferrer" target="_blank">primary car rental insurance</a>.</p><p><strong>Annual fee</strong>: $95</p><p><strong>Application link: <a href="https://thepointsguy.com/apply-now/chase-sapphire-preferred-card/?pid=22125056&tid=post" rel="noopener" target="_blank">Chase Sapphire Preferred® Card</a></strong></p><h3>Chase Sapphire Reserve</h3><p><strong>Welcome offer</strong>: You'll earn 60,000 points after you spend $4,000 on purchases in the first three months from account opening. That's worth $900 when redeemed through the Chase Travel portal.</p><p><strong>Why you want it</strong>: Put simply, you want this card for its earning power and its travel perks that can easily cover the annual fee. It accrues the following earnings:</p><ul><li>10 points per dollar spent on Lyft (through March 2025)</li><li>10 points per dollar spent on <a href="https://thepointsguy.com/credit-cards/chase-dining-10x-promo/" rel="noopener" target="_blank">Chase Dining</a> booked through Ultimate Rewards</li><li>10 points per dollar spent on hotel and car rental purchases through Chase Travel</li><li>5 points per dollar spent on flights booked through Chase Travel</li><li>3 points per dollar spent on travel not booked through Chase</li><li>3 points per dollar spent on other dining purchases (excluding the $300 annual travel credit) and dining purchases worldwide</li><li>1 point per dollar spent on all other eligible purchases</li></ul><p>Other perks include an easy-to-use <a href="https://thepointsguy.com/credit-cards/chase-sapphire-reserve-annual-travel-credit/" rel="noopener noreferrer" target="_blank">annual travel credit</a> worth $300, a fee credit for <a href="https://thepointsguy.com/guide/things-to-know-global-entry/" rel="noopener noreferrer" target="_blank">Global Entry</a> or <a href="https://thepointsguy.com/guide/is-tsa-precheck-worth-it/" rel="noopener noreferrer" target="_blank">TSA PreCheck</a> (up to $120 once every four years) and <a href="https://thepointsguy.com/guide/all-about-priority-pass-program/" rel="noopener noreferrer" target="_blank">Priority Pass Select</a> lounge access, as well as entry to the <a href="https://thepointsguy.com/credit-cards/chase-sapphire-airport-lounge/" rel="noopener" target="_blank">growing list of new Sapphire lounges</a>. Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and <a href="https://thepointsguy.com/credit-cards/6-little-known-reserve-perks/" rel="noopener noreferrer" target="_blank">other protections</a>.</p><p><strong>Annual fee</strong>: $550</p><p><strong>Application link: <a href="https://thepointsguy.com/apply-now/chase-sapphire-reserve/?pid=221211836&tid=post" rel="noopener" target="_blank">Chase Sapphire Reserve®</a></strong></p><h3>Ink Business Preferred Credit Card</h3><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">THE POINTS GUY</figcaption></figure><p><strong>Welcome offer</strong>: You'll earn 90,000 points after you spend $8,000 on purchases in the first three months from account opening.</p><p><strong>Why you want it</strong>: This is one of the <a href="https://thepointsguy.com/credit-cards/business/" rel="noopener" target="_blank">best credit cards for small-business owners</a>, with the following earning rates:</p><ul><li>3 points per dollar on the first $150,000 spent in combined purchases<strong> </strong>on travel, shipping, internet, cable and phone services, and advertising made with social media sites and search engines each account anniversary year</li><li>1 point per dollar spent on all other purchases</li></ul><p><strong>Annual fee</strong>: $95</p><p><strong>Application link: <a href="https://thepointsguy.com/apply-now/ink-business-preferred%e2%84%a0-credit-card/?pid=221211974&tid=post" rel="noopener" target="_blank">Ink Business Preferred® Credit Card</a></strong></p><h3>Ink Business Cash Credit Card</h3><p><strong>Welcome offer</strong>: Earn up to $750 cash back: $350 bonus cash back after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.</p><p><strong>Why you want it</strong>: Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%). Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%). You can convert these earnings to Ultimate Rewards points if you have one of the three rewards cards mentioned above.</p><p><strong>Annual fee</strong>: $0</p><p><strong>Application link: <a href="https://thepointsguy.com/apply-now/ink-business-cash%e2%84%a0-credit-card/?pid=22125825&tid=post" rel="noopener" target="_blank">Ink Business Cash® Credit Card</a></strong></p><h3>Ink Business Unlimited Credit Card</h3><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited%C2%AE-Credit-Card.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">THE POINTS GUY</figcaption></figure><p><strong>Welcome offer</strong>: Earn $750 bonus cash back (which can become 75,000 Ultimate Rewards points) after spending $6,000 on purchases in the first three months from account opening.</p><p><strong>Why you want it</strong>: Earn unlimited <a href="https://thepointsguy.com/credit-cards/reviews/ink-business-unlimited-credit-card-review/" rel="noopener noreferrer" target="_blank">1.5% cash-back rewards</a> on every purchase. These cash-back earnings can be converted to Ultimate Rewards points if you have one of the points-earning cards listed above, meaning your small business can essentially earn 1.5 points per dollar spent on all charges made with this card.</p><p><strong>Annual fee</strong>: $0</p><p><strong>Application link: <a href="https://thepointsguy.com/apply-now/ink-business-unlimited-credit-card/?pid=6218&tid=post" rel="noopener" target="_blank">Ink Business Unlimited® Credit Card</a></strong></p><h3>Chase Freedom Flex</h3><p><strong>Welcome bonus</strong>: Earn $200 after you spend $500 in the first three months of account opening</p><p><strong>Why you want it:</strong> The card earns 5% back on select bonus categories, which <a href="https://thepointsguy.com/news/activate-chase-freedom-5x-earnings/" rel="noopener noreferrer" target="_blank">rotate every quarter</a> (on up to $1,500 in combined spending; activation required). You can convert these rewards to valuable Ultimate Rewards points if you also have a points-earning credit card. Plus, you'll earn the following:</p><ul><li>5% on travel purchased through Chase Travel</li><li>3% on dining (including takeout and eligible delivery services) and drugstore purchases</li><li>1% on all other purchases</li></ul><p><strong>Annual fee</strong>: $0</p><p><strong>Application link: <a href="https://thepointsguy.com/apply-now/chase-freedom-flex/?pid=7538&tid=post">Chase Freedom Flex®</a></strong></p><h3>Chase Freedom Unlimited</h3><p><strong>Welcome offer</strong>: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back.</p><p><strong>Why you want it</strong>: These earnings can be converted to valuable Ultimate Rewards points if you have one of the points-earning cards listed above. Plus, you can earn the following:</p><ul><li>5% on travel purchased through Chase Travel</li><li>3% cash back on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases</li><li>1.5% on all other purchases</li></ul><p><strong>Annual fee</strong>: $0</p><p><strong>Application link: <a href="https://thepointsguy.com/apply-now/chase-freedom-unlimited%e2%84%a0/?pid=221211281&tid=post" rel="noopener" target="_blank">Chase Freedom Unlimited®</a></strong></p><h3>Other Chase credit cards</h3><p>Note that there are many other Chase-issued credit cards that aren't listed here, including:</p><ul><li>Those that are no longer available to new applicants</li><li>Those that don't fully participate in the Ultimate Rewards program, like the <a href="https://thepointsguy.com/apply-now/ink-business-premier-credit-card/?pid=8489&tid=post" rel="noopener" target="_blank">Ink Business Premier® Credit Card</a>, which exclusively offers cash back and <a href="https://thepointsguy.com/credit-cards/reviews/chase-ink-business-premier-card-review/" rel="noopener" target="_blank">doesn't allow rewards</a> to be combined with other cards</li><li>Cobranded products with a partner's loyalty program, like <a href="https://thepointsguy.com/credit-cards/united-cards-sign-up-offers/" rel="noopener" target="_blank">United Airlines cards</a> and <a href="https://thepointsguy.com/credit-cards/southwest-cards-current-offers/" rel="noopener" target="_blank">Southwest Airlines cards</a>, which don't participate in Ultimate Rewards</li></ul><a id="do-chase-ultimate-rewards-points-expire" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Do Chase Ultimate Rewards points expire?</h2><p>Chase Ultimate Rewards points do not expire, provided you keep at least one card that earns Ultimate Rewards points open.</p><p>If you cancel all your Ultimate Rewards cards, you must redeem or transfer your points before closing the last card. Otherwise, you will forfeit the points.</p><a id="what-are-chase-ultimate-rewards-points-worth" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">What are Chase Ultimate Rewards points worth?</h2><p>TPG values Ultimate Rewards points at 2.05 cents apiece in our October 2024 <a href="https://thepointsguy.com/guide/monthly-valuations/" rel="noopener" target="_blank">valuations</a>. This is largely due to the array of valuable transfer partners like World of Hyatt and <a href="https://thepointsguy.com/loyalty-programs/know-united-mileageplus/" rel="noopener" target="_blank">United Airlines MileagePlus</a>, as these options give you valuable flexibility in your redemptions.</p><p>However, you'll get varying values for Chase points if you pursue other redemption opportunities. For example, Ultimate Rewards points are worth 1.5 cents apiece through Chase Travel for Sapphire Reserve cardholders and 1.25 cents for those with the Sapphire Preferred or Ink Business Preferred card. You'll also have access to <a href="https://thepointsguy.com/guide/chase-pay-yourself-back/" rel="noopener" target="_blank">Chase Pay Yourself Back</a> as a cardholder of any of the above cards, and there are occasionally offers to <a href="https://thepointsguy.com/news/chase-ultimate-rewards-apple-offer/" rel="noopener" target="_blank">use Chase points for Apple products</a> or <a href="https://thepointsguy.com/news/chase-month-of-more-bonuses/" rel="noopener" target="_blank">gift cards</a> at an enhanced value.</p><p>Finally, Chase points are worth 1 cent apiece if used for simple cash back.</p><a id="what-are-the-chase-ultimate-rewards-transfer-partners" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">What are the Chase Ultimate Rewards transfer partners?</h2><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">Singapore Airlines A380 Suites. ZACH GRIFF/THE POINTS GUY</figcaption></figure><p>You can transfer Ultimate Rewards points to 11 airline programs:</p><ul><li><a href="https://thepointsguy.com/guide/avios-points-compared/" rel="noopener" target="_blank">Aer Lingus AerClub</a></li><li><a href="https://thepointsguy.com/guide/air-canada-aeroplan/" rel="noopener" target="_blank">Air Canada Aeroplan</a></li><li><a href="https://thepointsguy.com/guide/ultimate-guide-flying-blue/" rel="noopener" target="_blank">Air France-KLM Flying Blue</a></li><li><a href="https://thepointsguy.com/guide/ultimate-ba-avios-guide/" rel="noopener noreferrer" target="_blank">British Airways Executive Club</a></li><li><a href="https://thepointsguy.com/guide/emirates-skywards/" rel="noopener" target="_blank">Emirates Skywards</a></li><li><a href="https://thepointsguy.com/guide/book-iberia-flights-with-avios/" rel="noopener" target="_blank">Iberia Plus</a></li><li><a href="https://thepointsguy.com/guide/jetblue-trueblue-program/" rel="noopener noreferrer" target="_blank">JetBlue TrueBlue</a></li><li><a href="https://thepointsguy.com/guide/ultimate-guide-singapore-krisflyer/" rel="noopener noreferrer" target="_blank">Singapore Airlines KrisFlyer</a></li><li><a href="https://thepointsguy.com/guide/southwest-rapid-rewards/" rel="noopener noreferrer" target="_blank">Southwest Airlines Rapid Rewards</a></li><li><a href="https://thepointsguy.com/guide/know-united-mileageplus/" rel="noopener noreferrer" target="_blank">United Airlines MileagePlus</a></li><li><a href="https://thepointsguy.com/guide/great-value-virgin-atlantic-flying-club/" rel="noopener noreferrer" target="_blank">Virgin Atlantic Flying Club</a></li></ul><p>Chase also partners with three hotel programs:</p><ul><li><a href="https://thepointsguy.com/guide/ihg-rewards-club/" rel="noopener noreferrer" target="_blank">IHG One Rewards</a></li><li><a href="https://thepointsguy.com/guide/award-travelers-guide-to-marriott-bonvoy/" rel="noopener noreferrer" target="_blank">Marriott Bonvoy</a></li><li><a href="https://thepointsguy.com/guide/ultimate-guide-world-of-hyatt/" rel="noopener" target="_blank">World of Hyatt</a></li></ul><p>All transfer ratios are 1:1 (though there are occasional <a href="https://thepointsguy.com/credit-cards/current-transfer-bonuses/" rel="noopener" target="_blank">transfer bonuses</a>), and you must transfer points in 1,000-point increments.</p><a id="options-to-redeem-ultimate-rewards-points" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Options to redeem Ultimate Rewards points</h2><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">Secrets The Vine Cancun. HYATT.COM</figcaption></figure><p>When <a href="https://thepointsguy.com/credit-cards/chase/redeeming-chase-ultimate-rewards-maximum-value/" rel="noopener" target="_blank">redeeming Ultimate Rewards points</a>, you have three basic options:</p><ul><li>Fixed-value, nontravel redemptions (e.g., cash back, gift cards, Apple products)</li><li>Fixed-value Chase Travel bookings</li><li>Transfers to travel partners</li></ul><p>The "best" option depends on your travel needs. Points are here to save you money, and you should use them when it suits you.</p><p>That being said, you should aim for the highest value whenever possible. Here's a look at your options.</p><h3>Transfer to travel partners</h3><p>Transferring Ultimate Rewards points to travel partners is often the most valuable way to redeem your hard-earned points. With 14 transfer partners, you have plenty of options, and you can keep your Chase points in your Ultimate Rewards account until you are ready to transfer them, which provides excellent flexibility. Our <a href="https://thepointsguy.com/guide/sweet-spots-chase-ultimate-rewards/" rel="noopener" target="_blank">favorite sweet spots</a> include:</p><ul><li><strong>Top-tier Hyatt hotels</strong>: The <a href="https://thepointsguy.com/guide/hyatt-award-chart/" rel="noopener" target="_blank">World of Hyatt award chart</a> is inexpensive compared to some competitors. You can book some of the fanciest <a href="https://thepointsguy.com/guide/best-park-hyatts/" rel="noopener" target="_blank">Park Hyatt properties</a> in the entire portfolio, including the <a href="https://thepointsguy.com/reviews/park-hyatt-new-york-hotel/" rel="noopener noreferrer" target="_blank">Park Hyatt New York</a> and the <a href="https://thepointsguy.com/reviews/park-hyatt-sydney-hotel-points-redemptions/" rel="noopener noreferrer" target="_blank">Park Hyatt Sydney</a>, for 35,000 points per night during off-peak dates. TPG values Hyatt points at 1.7 cents each (per our October 2024 valuations), so 35,000 points are worth $595. That's a great deal for hotels that routinely sell for close to $1,000, even when demand is low. There's also great value at the lower end of the Hyatt award chart. <a href="https://thepointsguy.com/guide/best-category-1-hyatt-hotels" rel="noopener" target="_blank">Category 1 hotels</a> range from 3,500 to 6,500 points per night, depending on peak, standard and off-peak pricing.</li><li><strong>Iberia flights to Madrid</strong>: Round-trip flights from New York's John F. Kennedy International Airport (JFK), Chicago's O'Hare International Airport (ORD) and Boston Logan International Airport (BOS) to Spain's capital will only set you back 34,000 Avios in off-peak blue class economy, 50,000 points (off-peak) in premium economy or 68,000 points (off-peak) in business class when you transfer your Chase points to Iberia Plus. Considering that most airlines charge at least 60,000 miles for a one-way business-class award to Europe, you're essentially getting a 50% discount.</li><li><strong>Short-haul flights to Canada</strong>: Aeroplan stuck to an award chart for partner redemptions but added dynamic pricing for Air Canada flights. As a result, you can often find super-cheap short-haul tickets from the U.S. to Canada. For example, a flight from JFK to Toronto Pearson Airport (YYZ) can be booked for under 6,000 points one-way on many dates.</li></ul><h3>Book via Chase Travel</h3><p>You can book through Chase Travel and redeem points for your plane tickets, hotel stays, rental cars or experiences at a fixed cash value per point.</p><p>As a Chase Sapphire Preferred or Chase Ink Business Preferred cardholder, each point is worth 1.25 cents. If you have the Chase Sapphire Reserve, your points are worth 1.5 cents each toward travel redemptions in the portal. If you have a Chase Freedom Flex, Ink Business Unlimited Credit Card, Ink Business Cash Credit Card or Chase Freedom Unlimited, all points are worth 1 cent each.</p><p>However, as noted previously, if you have multiple cards earning Ultimate Rewards points, you can combine your points into the account with the highest value for Ultimate Rewards bookings. For example, your points earned with the Chase Freedom Flex can be moved to your Sapphire Reserve account, thus increasing their value from 1 to 1.5 cents apiece. This is a generous offer from a credit card program.</p><p>If you can find inexpensive airfare via Chase Travel, using your points for these flights can make sense to save cash. In the eyes of the airline, tickets booked this way are essentially the same as paid fares. This means you'll earn elite status credits and redeemable miles. Be careful to avoid basic economy tickets unless you are OK with their restrictions.</p><p>In the case below, spending 2,973 Ultimate Rewards points from a Sapphire Reserve account to fly from Newark Liberty International Airport (EWR) to Fort Lauderdale-Hollywood International Airport (FLL) isn't too shabby.</p><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:44.7953216374269%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">CHASE.COM</figcaption></figure><p>You might also consider the travel portal option if you only have a handful of Ultimate Rewards points left, since Chase lets you redeem points to cover even just a portion of the trip cost. You would then pay the remaining balance with cash.</p><p>Finally, this is a decent option for car rentals, nonchain lodging and when cash rates make spending points through transfer partners a bad value. The hotel options are quite varied, though be aware that if you book a hotel that participates in a major loyalty program through Chase, you likely won't earn hotel points, nor will you be able to take advantage of any elite status perks.</p><h3>Enjoy fixed-value, nontravel redemptions</h3><p>You can redeem Chase points for a statement credit or bank deposit at a flat rate of 1 cent each, and this rate also applies to gift cards and Apple products (outside a limited-time special).</p><p>However, with Chase Pay Yourself Back, you can redeem points for cash back at a rate of 1 to 1.5 cents each, depending on your card. This redemption rate is valid on statement credits toward rotating purchase categories. Be sure to check out our article on the<a href="https://thepointsguy.com/credit-cards/chase-pay-yourself-back/" rel="noopener" target="_blank"> current Chase Pay Yourself Back categories</a>.</p><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">WYATT SMITH/THE POINTS GUY</figcaption></figure><p>Finally, you can also link your eligible Chase cards to your Amazon account and pay for purchases with the Shop With Points program. However, you will only receive a value of around 0.8 cents per Ultimate Rewards point.</p><p>As you can see, you'll generally get much better value with the program's transfer partners and Chase Travel bookings. However, we know needs can change, so these <a href="https://thepointsguy.com/guide/maximizing-rewards-points-non-travel-redemptions/" rel="noopener noreferrer" target="_blank">nontravel redemptions remain</a> fall-back options.</p><a id="bottom-line" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Bottom line</h2><p>Chase Ultimate Rewards is one of our favorite credit card programs at TPG. It allows you to start with a credit card <a href="https://thepointsguy.com/credit-cards/chase/">offering a large welcome bonus</a> and then enjoy bonus points on many everyday spending categories — like airfare, hotels, dining and groceries. Then, you can choose from a huge range of transfer partners, redeem points for travel directly with Chase or choose cash back.</p></div></div><div class="jsx-3814564231 featuredImageCredit">Featured image by <!-- -->D3SIGN/GETTY IMAGES</div><div class="jsx-3000030127 bottomDisclaimer">Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.</div></div></div><div class="jsx-1875764269"></div><div class="jsx-1875764269 Article_featuredCard__qbV9G"></div></article></main><footer class="Footer_footer__OYoYH" data-attribute="site-footer"><div class="Footer_container__7AGDW"><div class="Footer_logoSloganSocialNewsletter__PXxUr"><div class="jsx-120275248 logo"><svg fill="none" viewBox="0 0 189 146" xmlns="http://www.w3.org/2000/svg"><ellipse cx="160.942" cy="117.934" fill="url(#Logo_svg__a)" rx="28.058" ry="28.066"></ellipse><path d="M171.372 105.566h-20.133a1.93 1.93 0 0 0-1.935 1.922v2.732a1.926 1.926 0 0 0 1.935 1.95h10.785l-12.877 12.902a1.932 1.932 0 0 0 0 2.739l1.921 1.922a1.938 1.938 0 0 0 2.739 0l12.898-12.902v10.824c.001.515.205 1.008.569 1.373.381.341.869.54 1.38.562h2.725a1.93 1.93 0 0 0 1.928-1.935v-20.139a1.936 1.936 0 0 0-1.935-1.95Z" fill="#fff"></path><path clip-rule="evenodd" d="M12.334 78.752V61.197h3.215c9.967 0 14.413-3.985 14.413-12.261v-10.81c0-8.205-4.453-12.19-14.413-12.19H5.283c-1.686 0-2.682.918-2.682 2.605v50.211a2.463 2.463 0 0 0 2.682 2.683h4.368a2.461 2.461 0 0 0 2.683-2.683Zm7.89-29.816c0 2.832-1.224 4.753-4.675 4.753h-3.215V33.458h3.215c3.45 0 4.674 1.914 4.674 4.675v10.803ZM62.76 69.921v-32.5c0-7.955-4.454-11.883-14.108-11.883S34.63 29.452 34.63 37.422v32.5c0 7.977 4.36 11.883 14.022 11.883 9.66 0 14.107-3.907 14.107-11.884Zm-18.398 0v-32.5c0-2.59 1.124-4.368 4.269-4.368 3.144 0 4.375 1.764 4.375 4.369v32.5c0 2.61-1.26 4.369-4.375 4.369-3.116 0-4.269-1.758-4.269-4.37Z" fill="#fff" fill-rule="evenodd"></path><path d="M78.54 78.752a2.463 2.463 0 0 1-2.683 2.683h-4.368a2.461 2.461 0 0 1-2.66-2.683V28.541c0-1.687.995-2.605 2.688-2.605h4.368c1.68 0 2.682.918 2.682 2.605l-.028 50.211ZM103.687 28.54c0-1.686.996-2.604 2.682-2.604h4.361a2.347 2.347 0 0 1 2.611 2.605v50.211c0 1.687-.925 2.683-2.611 2.683h-3.628c-1.608 0-2.22-.84-2.682-1.992L94.439 52.01v26.742c0 1.687-.925 2.683-2.611 2.683h-4.504a2.46 2.46 0 0 1-2.682-2.683V28.541c0-1.687.996-2.605 2.682-2.605h3.557a2.554 2.554 0 0 1 2.683 1.993l10.123 27.817V28.54ZM136.931 33.451v45.301a2.461 2.461 0 0 1-2.682 2.683h-4.368a2.462 2.462 0 0 1-2.682-2.683V33.451h-7.74a2.462 2.462 0 0 1-2.682-2.683v-2.227c0-1.687.996-2.605 2.682-2.605h25.213c1.686 0 2.682.918 2.682 2.605v2.227a2.465 2.465 0 0 1-2.682 2.683h-7.741ZM162.77 46.787l8.579 7.827c4.831 4.27 5.905 7.9 5.905 15.328 0 7.978-4.368 11.885-14.029 11.885s-14.008-3.914-14.008-11.892V63.88c0-1.687.918-2.683 2.604-2.683h4.446c1.686 0 2.604.996 2.604 2.683v6.055c0 2.612 1.231 4.37 4.368 4.37 3.138 0 4.368-1.758 4.368-4.37 0-4.27-.611-6.361-3.905-9.35l-8.658-7.828c-4.845-4.284-5.827-7.885-5.827-15.335 0-7.97 4.368-11.884 14.022-11.884s14.029 3.914 14.029 11.884v6.056a2.346 2.346 0 0 1-2.61 2.604h-4.454a2.347 2.347 0 0 1-2.611-2.604v-6.056c0-2.605-1.223-4.37-4.368-4.37-3.144 0-4.368 1.765-4.368 4.37 0 4.305.612 6.404 3.913 9.365ZM60.867 116.546c1.686 0 2.681.918 2.681 2.605v14.944c0 7.97-4.446 11.884-14.1 11.884s-14.022-3.914-14.022-11.884v-32.5c0-7.97 4.368-11.877 14.022-11.877s14.1 3.921 14.1 11.877v5.06a2.461 2.461 0 0 1-2.681 2.683h-4.369a2.461 2.461 0 0 1-2.682-2.683v-5.06c0-2.604-1.223-4.37-4.368-4.37-3.144 0-4.268 1.766-4.268 4.37v32.507c0 2.604 1.145 4.369 4.268 4.369 3.123 0 4.368-1.765 4.368-4.369v-10.041h-1.835c-1.686 0-2.611-.996-2.611-2.683v-2.227a2.349 2.349 0 0 1 2.61-2.605h8.887ZM68.828 92.707c0-1.686.996-2.604 2.682-2.604h4.368c1.686 0 2.683.918 2.683 2.604v41.395c0 2.604 1.152 4.369 4.268 4.369 3.116 0 4.368-1.765 4.368-4.369V92.707c0-1.686.996-2.604 2.682-2.604h4.375c1.68 0 2.682.918 2.682 2.604v41.395c0 7.97-4.446 11.884-14.107 11.884s-14-3.914-14-11.884V92.707ZM107.748 90.081a2.504 2.504 0 0 1 2.604 1.836l3.294 12.439 2.227 11.116h.619l2.134-11.116 3.372-12.417a2.504 2.504 0 0 1 2.611-1.836h4.133c2.298 0 2.988 1.836 2.376 3.679l-10.116 31.88v17.25c0 1.686-.918 2.682-2.604 2.682h-4.446c-1.686 0-2.604-.996-2.604-2.682v-17.25l-10.195-31.88c-.533-1.843.157-3.68 2.455-3.68l4.14-.02ZM7.148 3.364v13.82a.94.94 0 0 1-1.032 1.024H4.46a.94.94 0 0 1-1.032-1.032V3.364h-2.39A.939.939 0 0 1 .005 2.339V1.037A.94.94 0 0 1 1.037.005h8.537a.939.939 0 0 1 1.031 1.032v1.302a.94.94 0 0 1-1.031 1.025H7.148ZM17.442 7.157h3.607v-6.12A.94.94 0 0 1 22.08.005h1.658a.939.939 0 0 1 1.032 1.032v16.146a.94.94 0 0 1-1.032 1.025H22.08a.94.94 0 0 1-1.031-1.032v-6.084h-3.607v6.12a.94.94 0 0 1-1.032.996h-1.65a.94.94 0 0 1-1.032-1.032V1.036A.94.94 0 0 1 14.76.007h1.665a.939.939 0 0 1 1.031 1.03l-.014 6.12ZM36.387.005a.939.939 0 0 1 1.032 1.032v1.302a.94.94 0 0 1-1.032 1.025h-3.65v3.793h2.697a.939.939 0 0 1 1.032 1.032V9.49a.94.94 0 0 1-1.032 1.025h-2.696v4.34h3.65a.939.939 0 0 1 1.03 1.025v1.302a.94.94 0 0 1-1.03 1.025h-6.34a.94.94 0 0 1-1.06-1.024V1.037A.94.94 0 0 1 30.02.005h6.367Z" fill="#fff"></path><defs><linearGradient gradientUnits="userSpaceOnUse" id="Logo_svg__a" x1="160.942" x2="217.074" y1="174.066" y2="117.95"><stop stop-color="#45C36A"></stop><stop offset="1" stop-color="#00CDFF"></stop></linearGradient></defs></svg></div><p class="jsx-1000103190 slogan">Maximize your travel</p><nav aria-label="Social" class="jsx-2127538461 socialNav"><ul class="jsx-2127538461"><li class="jsx-2127538461"><a data-attribute="social-facebook" href="https://www.facebook.com/thepointsguy/" rel="noreferrer" target="_blank" class="jsx-2127538461 facebook"><div style="color:#3b5998"><svg fill="none" viewBox="0 0 11 20" xmlns="http://www.w3.org/2000/svg"><path clip-rule="evenodd" d="M10.385.144v3.173H8.498c-1.479 0-1.755.71-1.755 1.731V7.32h3.521l-.468 3.557H6.743V20H3.065v-9.123H0V7.32h3.065V4.7c0-3.041 1.863-4.7 4.58-4.7 1.297 0 2.415.096 2.74.144Z" fill="currentColor" fill-rule="evenodd"></path></svg></div><span class="jsx-2127538461 visuallyHidden">Facebook</span></a></li><li class="jsx-2127538461"><a data-attribute="social-instagram" href="https://www.instagram.com/thepointsguy/" rel="noreferrer" target="_blank" class="jsx-2127538461 instagram"><div style="color:#1da1f2"><svg data-testid="instagramIcon" fill="none" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><path d="M10 1.8c2.672 0 2.988.012 4.04.06.976.042 1.503.206 1.855.343.464.18.8.399 1.148.746.352.352.566.684.746 1.149.137.351.3.882.344 1.855.047 1.055.058 1.371.058 4.04 0 2.671-.011 2.987-.058 4.038-.043.977-.207 1.504-.344 1.856-.18.465-.398.8-.746 1.148a3.077 3.077 0 0 1-1.148.746c-.352.137-.883.301-1.856.344-1.055.047-1.371.059-4.039.059-2.672 0-2.988-.012-4.04-.059-.976-.043-1.503-.207-1.855-.344-.464-.18-.8-.398-1.148-.746a3.076 3.076 0 0 1-.746-1.148c-.137-.352-.3-.883-.344-1.856-.047-1.054-.058-1.37-.058-4.039 0-2.672.011-2.988.058-4.039.043-.976.207-1.504.344-1.855.18-.465.398-.801.746-1.149a3.076 3.076 0 0 1 1.148-.746c.352-.137.883-.3 1.856-.344 1.05-.046 1.367-.058 4.039-.058ZM10 0C7.285 0 6.945.012 5.879.059 4.816.105 4.086.277 3.453.523A4.88 4.88 0 0 0 1.68 1.68 4.9 4.9 0 0 0 .523 3.45C.277 4.085.105 4.811.06 5.874.012 6.945 0 7.285 0 10s.012 3.055.059 4.121c.046 1.063.218 1.793.464 2.426.258.66.598 1.219 1.157 1.773a4.888 4.888 0 0 0 1.77 1.153c.636.246 1.362.418 2.425.465 1.066.046 1.406.058 4.121.058 2.715 0 3.055-.012 4.121-.058 1.063-.047 1.793-.22 2.426-.465a4.888 4.888 0 0 0 1.77-1.153 4.888 4.888 0 0 0 1.152-1.77c.246-.636.418-1.363.465-2.425.047-1.066.058-1.406.058-4.121 0-2.715-.011-3.055-.058-4.121-.047-1.063-.22-1.793-.465-2.426A4.683 4.683 0 0 0 18.32 1.68 4.889 4.889 0 0 0 16.55.527C15.915.281 15.188.11 14.126.062 13.055.012 12.715 0 10 0Z" fill="currentColor"></path><path d="M10 4.863A5.138 5.138 0 0 0 4.863 10a5.138 5.138 0 0 0 10.273 0c0-2.836-2.3-5.137-5.136-5.137Zm0 8.469a3.333 3.333 0 1 1 .001-6.665A3.333 3.333 0 0 1 10 13.332ZM16.54 4.66a1.2 1.2 0 1 1-2.4 0 1.2 1.2 0 0 1 2.4 0Z" fill="currentColor"></path></svg></div><span class="jsx-2127538461 visuallyHidden">Instagram</span></a></li><li class="jsx-2127538461"><a data-attribute="social-you tube" href="https://www.youtube.com/user/thepointsguy/" rel="noreferrer" target="_blank" class="jsx-2127538461 you-tube"><svg fill="none" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#YouTubeIcon_svg__a)"><path d="M19.602 5.155a2.514 2.514 0 0 0-1.768-1.78c-1.564-.42-7.814-.42-7.814-.42s-6.25 0-7.814.42a2.514 2.514 0 0 0-1.768 1.78C.02 6.725.02 10 .02 10s0 3.275.418 4.845a2.514 2.514 0 0 0 1.768 1.78c1.564.42 7.814.42 7.814.42s6.25 0 7.814-.42a2.514 2.514 0 0 0 1.768-1.78c.418-1.57.418-4.845.418-4.845s0-3.275-.418-4.845Z" fill="#FF0302"></path><path d="M7.974 12.974V7.026L13.202 10l-5.228 2.974Z" fill="#FEFEFE"></path></g><defs><clipPath id="YouTubeIcon_svg__a"><path d="M0 0h20v20H0z" fill="#fff"></path></clipPath></defs></svg><span class="jsx-2127538461 visuallyHidden">YouTube</span></a></li><li class="jsx-2127538461"><a data-attribute="social-twitter" href="https://twitter.com/thepointsguy/" rel="noreferrer" target="_blank" class="jsx-2127538461 twitter"><svg fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M14.095479,10.316482L22.286354,1h-1.940718l-7.115352,8.087682L7.551414,1H1l8.589488,12.231093L1,23h1.940717 l7.509372-8.542861L16.448587,23H23L14.095479,10.316482z M11.436522,13.338465l-0.871624-1.218704l-6.924311-9.68815h2.981339 l5.58978,7.82155l0.867949,1.218704l7.26506,10.166271h-2.981339L11.436522,13.338465z" fill="currentColor"></path></svg><span class="jsx-2127538461 visuallyHidden">Twitter</span></a></li><li class="jsx-2127538461"><a data-attribute="social-tik tok" href="https://www.tiktok.com/@thepointsguy" rel="noreferrer" target="_blank" class="jsx-2127538461 tik-tok"><svg fill="none" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><path d="M14.314 7.22a7.802 7.802 0 0 0 4.563 1.465V5.4c-.322 0-.643-.034-.958-.1v2.586a7.803 7.803 0 0 1-4.564-1.465v6.706c0 3.354-2.71 6.074-6.052 6.074a6.009 6.009 0 0 1-3.37-1.027A6.024 6.024 0 0 0 8.261 20c3.343 0 6.053-2.72 6.053-6.074V7.22Zm1.182-3.316a4.588 4.588 0 0 1-1.182-2.681V.8h-.908a4.601 4.601 0 0 0 2.09 3.104ZM6.048 15.598a2.774 2.774 0 0 1-.565-1.682 2.774 2.774 0 0 1 3.608-2.648v-3.36a6.085 6.085 0 0 0-.958-.055v2.615a2.774 2.774 0 0 0-3.609 2.648 2.78 2.78 0 0 0 1.524 2.482Z" fill="#FF004F"></path><path d="M13.355 6.42a7.803 7.803 0 0 0 4.564 1.465V5.298a4.577 4.577 0 0 1-2.423-1.394A4.601 4.601 0 0 1 13.406.8H11.02v13.126a2.774 2.774 0 0 1-2.769 2.769c-.899 0-1.698-.43-2.204-1.097a2.78 2.78 0 0 1-1.523-2.482 2.774 2.774 0 0 1 3.61-2.648V7.853c-3.285.068-5.926 2.76-5.926 6.073 0 1.653.658 3.152 1.725 4.247a6.009 6.009 0 0 0 3.37 1.027c3.343 0 6.052-2.72 6.052-6.074V6.419Z" fill="#000"></path><path d="M17.919 5.298v-.7a4.55 4.55 0 0 1-2.423-.694 4.572 4.572 0 0 0 2.423 1.394ZM13.406.8a4.698 4.698 0 0 1-.05-.377V0h-3.294v13.126a2.774 2.774 0 0 1-2.769 2.769 2.75 2.75 0 0 1-1.246-.297 2.762 2.762 0 0 0 2.204 1.097 2.774 2.774 0 0 0 2.77-2.77V.8h2.385ZM8.133 7.853v-.745a6.089 6.089 0 0 0-.83-.056c-3.343 0-6.053 2.72-6.053 6.074a6.074 6.074 0 0 0 2.683 5.046 6.065 6.065 0 0 1-1.725-4.247c0-3.311 2.641-6.004 5.925-6.072Z" fill="#00F2EA"></path></svg><span class="jsx-2127538461 visuallyHidden">TikTok</span></a></li></ul></nav><div class="Footer_newsletter__zmXnU"><div data-attribute="newsletter-signup-footer"><h4 class="Footer_newsletterCta__WGjkA">Sign up for our daily newsletter for the latest news, deals and tips.</h4><form><div class="tw-relative tw-flex tw-items-center tw-gap-3 tw-pr-3" data-attribute="email-capture-form"><div class="tw-grow" data-border-hook="true"><div class="jsx-3240391286 Input_containerGray__8NCcO Footer "><input data-label="Email address" id="Footer" name="email" placeholder=" " required="" type="email" class="jsx-3240391286 Input_field__nVOw6"/><label for="Footer" class="jsx-3240391286 Input_placeholder__yjvvV">Email address</label></div></div><div class="tw-w-1/3 tw-flex-none *:tw-text-md-semibold *:tw-w-full"><button type="submit" class="jsx-3793172513 instance newsletter newsletter light">Sign up</button></div></div><div class="tw-mt-3 tw-text-xs tw-text-gray-3"><div style="align-items:center" class="jsx-3584303912 legalText legalText-A"><input id="confirmationFooter" required="" type="checkbox" name="confirmed" class="jsx-3584303912 "/><label for="confirmationFooter" class="jsx-3584303912">I would like to subscribe to The Points Guy<!-- --> <!-- --> newsletters and special email promotions. The Points Guy <!-- --> will not share or sell your email. See<!-- --> <a href="/privacy-policy/" style="text-decoration:none" class="jsx-3584303912">PRIVACY POLICY</a>.</label></div></div></form></div></div></div><div><nav aria-label="Footer" class="jsx-2845995996 nav"><div class="jsx-2845995996"><h4 class="jsx-2845995996">Meet TPG</h4><ul class="jsx-2845995996"><li class="jsx-2845995996"><span><a data-attribute="footer-nav-about-us" href="/about/" class="jsx-2845995996">About us</a></span></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-tpg-gives-back" href="/giving-back/" class="jsx-2845995996">TPG gives back</a></span></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-careers" href="https://careers.redventures.com/the-points-guy.html" class="jsx-2845995996">Careers</a></span></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-contact-us" href="/contact-us/" class="jsx-2845995996">Contact us</a></span></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-site-map" href="/sitemap/" class="jsx-2845995996">Site map</a></span></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-newsletters" href="/newsletters/?utm_source=footer" class="jsx-2845995996">Newsletters</a></span></li></ul></div><div class="jsx-2845995996"><h4 class="jsx-2845995996">Legal</h4><ul class="jsx-2845995996"><li class="jsx-2845995996"><span><a data-attribute="footer-nav-do-not-sell-or-share-my-personal-information" href="/do-not-sell-or-share-my-personal-information/" class="jsx-2845995996">Do Not Sell or Share My Personal Information</a></span></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-privacy-policy" href="/privacy-policy/" class="jsx-2845995996">Privacy policy</a></span></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-terms-of-use" href="/terms-of-use/" class="jsx-2845995996">Terms of use</a></span></li><li class="jsx-2845995996"><button id="cookie-settings-button" type="button" class="jsx-2845995996 ot-sdk-show-settings">Cookie settings</button></li><li class="jsx-2845995996"><span><a data-attribute="footer-nav-consumer-health-data-privacy-policy" href="/consumer-health-data-privacy-policy/" class="jsx-2845995996">Consumer Health Data Privacy Policy</a></span></li></ul></div><div class="jsx-2845995996"></div></nav><div data-attribute="commitment" class="jsx-1663186118 commitment"><h4 class="jsx-1663186118">Our Commitment to Transparency</h4><p class="jsx-1663186118">The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That’s why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.</p><p class="jsx-1663186118">When you choose to apply (and are approved) for a new credit card through our site, we may receive compensation from our partners, and this may impact how or where these products appear. While we don’t cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our<!-- --> <a href="/advertising-policy/" class="jsx-1663186118">advertising policy</a> and<!-- --> <a href="/review-methodology/" class="jsx-1663186118">product review methodology</a> for more information.</p></div><div data-attribute="copyright" class="jsx-3676132936 copyright"><span class="jsx-3676132936">Copyright © </span><span class="jsx-3676132936">2025</span><span class="jsx-3676132936"> <!-- -->The Points Guy, LLC. All rights reserved. A Red Ventures company.</span></div></div></div></footer></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"dehydratedState":{"mutations":[],"queries":[{"state":{"data":{"resolution":{"destination":null,"query":"Article","status":200}},"dataUpdateCount":1,"dataUpdatedAt":1739826901778,"error":null,"errorUpdateCount":0,"errorUpdatedAt":0,"fetchFailureCount":0,"fetchMeta":null,"isFetching":false,"isInvalidated":false,"isPaused":false,"status":"success"},"queryKey":["Resolution","/loyalty-programs/chase-ultimate-rewards/",null],"queryHash":"[\"Resolution\",\"/loyalty-programs/chase-ultimate-rewards/\",null]"},{"state":{"data":{"article":{"authors":[{"avatar":{"credit":"","edition":"US","height":785,"id":"675362","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2019/03/prof-pic-acf0b538-8d0b-486e-8090-87081848f6b1.jpeg","title":"prof pic - acf0b538-8d0b-486e-8090-87081848f6b1","type":"image/jpeg","width":776},"bio":"Ben Smithson is a travel loyalty expert based in London.","email":"ben.smithson@thepointsguy.com","facebook":null,"id":"bensmithson","instagram":"https://www.instagram.com/ben___smithson/","linkedIn":"https://www.linkedin.com/in/bensmithson1/","name":"Ben Smithson","slug":"bensmithson","tikTok":null,"title":"Senior writer","twitter":null}],"cardTileOnPrp":null,"category":{"id":"3084","name":"Guide","pathname":"/guide"},"content":{"atoms":[],"cards":[["tpgH2",{"tpgH2":{"id":"what-are-chase-ultimate-rewards-points","title":"What are Chase Ultimate Rewards points?"}}],["tpgNewsletterCallout",{"tpgNewsletterCallout":{"defaultLocation":true}}],["tpgH2",{"tpgH2":{"id":"how-do-i-earn-chase-ultimate-rewards-points","title":"How do I earn Chase Ultimate Rewards points?"}}],["tpgFigure",{"tpgFigure":{"caption":"THE POINTS GUY","image":{"alt":"","caption":"THE POINTS GUY","credit":"THE POINTS GUY","edition":"US","height":1067,"id":"1538444","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/08/Ink-Business-Preferred_2.jpg","title":"Ink Business Preferred_2","type":"image/jpeg","width":1600}}}],["tpgFigure",{"tpgFigure":{"caption":"THE POINTS GUY","image":{"alt":"","caption":"THE POINTS GUY","credit":"THE POINTS GUY","edition":"US","height":1066,"id":"1418176","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2022/11/Ink-Business-Unlimited®-Credit-Card.jpg","title":"Ink Business Unlimited® Credit Card","type":"image/jpeg","width":1600}}}],["tpgH2",{"tpgH2":{"id":"do-chase-ultimate-rewards-points-expire","title":"Do Chase Ultimate Rewards points expire?"}}],["tpgH2",{"tpgH2":{"id":"what-are-chase-ultimate-rewards-points-worth","title":"What are Chase Ultimate Rewards points worth?"}}],["tpgH2",{"tpgH2":{"id":"what-are-the-chase-ultimate-rewards-transfer-partners","title":"What are the Chase Ultimate Rewards transfer partners?"}}],["tpgFigure",{"tpgFigure":{"caption":"Singapore Airlines A380 Suites. ZACH GRIFF/THE POINTS GUY","image":{"alt":"","caption":"(Photo by Zach Griff/The Points Guy)","credit":"(Photo by Zach Griff/The Points Guy)","edition":"US","height":1067,"id":"1281413","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2022/03/Singapore-Airlines-New-Airbus-A380-Zach-Griff-76.jpg","title":"Singapore Airlines New Airbus A380 Suites First Class","type":"image/jpeg","width":1600}}}],["tpgH2",{"tpgH2":{"id":"options-to-redeem-ultimate-rewards-points","title":"Options to redeem Ultimate Rewards points"}}],["tpgFigure",{"tpgFigure":{"caption":"Secrets The Vine Cancun. HYATT.COM","image":{"alt":"","caption":"HYATT.COM","credit":"HYATT.COM","edition":"US","height":1067,"id":"1464274","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/secrets-vine-cancun.jpg","title":"secrets vine cancun","type":"image/jpeg","width":1600}}}],["tpgFigure",{"tpgFigure":{"caption":"CHASE.COM","image":{"alt":"","caption":"(Screenshot from chase.com)","credit":"(Screenshot from chase.com)","edition":"US","height":766,"id":"1291301","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/Chase-travel-flight-example.png","title":"Chase travel flight example","type":"image/png","width":1710}}}],["tpgFigure",{"tpgFigure":{"caption":"WYATT SMITH/THE POINTS GUY","image":{"alt":"","caption":"WYATT SMITH/THE POINTS GUY","credit":"WYATT SMITH/THE POINTS GUY","edition":"US","height":1067,"id":"1462767","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/03/20230320_Chase-Sapphire-Terrace-ABIA_WSmith-35.jpg","title":"Chase Sapphire Terrace ABIA","type":"image/jpeg","width":1600}}}],["tpgH2",{"tpgH2":{"id":"bottom-line","title":"Bottom line"}}]],"markups":[["a",["href","https://thepointsguy.com/loyalty-programs/chase-ultimate-rewards-transfer-partners/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/ultimate-rewards-travel-portal/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/ultimate-guide-amex-membership-rewards/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/ultimate-guide-citi-thankyou-rewards/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/capital-one-cards-earn-transferable-miles/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/loyalty-programs/bilt-rewards-guide/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/wells-fargo-rewards-program/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/chase/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/ultimate-guide-chase-5-24-rule/","rel","noopener","target","_blank"]],["strong"],["a",["href","https://thepointsguy.com/credit-cards/credit-card-application-restrictions/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/cash-back/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/transfer-ultimate-rewards-points-between-accounts/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/travel/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/which-purchases-count-as-dining-chase-sapphire-reserve/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/which-purchases-count-as-travel-chase-sapphire-reserve-preferred/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/no-foreign-transaction-fees/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/lesser-known-sapphire-benefits/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/credit-card-trip-cancellation-interruption-protection/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/cards-primary-car-rental-coverage/","rel","noopener noreferrer","target","_blank"]],["a",["data-schema-attribute","","href","https://thepointsguy.com/apply-now/chase-sapphire-preferred-card/?pid=22125056\u0026tid=post","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/chase-dining-10x-promo/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/chase-sapphire-reserve-annual-travel-credit/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/things-to-know-global-entry/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/is-tsa-precheck-worth-it/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/all-about-priority-pass-program/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/chase-sapphire-airport-lounge/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/6-little-known-reserve-perks/","rel","noopener noreferrer","target","_blank"]],["a",["data-schema-attribute","","href","https://thepointsguy.com/apply-now/chase-sapphire-reserve/?pid=221211836\u0026tid=post","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/business/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/apply-now/ink-business-preferred%e2%84%a0-credit-card/?pid=221211974\u0026tid=post","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/apply-now/ink-business-cash%e2%84%a0-credit-card/?pid=22125825\u0026tid=post","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/reviews/ink-business-unlimited-credit-card-review/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/apply-now/ink-business-unlimited-credit-card/?pid=6218\u0026tid=post","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/news/activate-chase-freedom-5x-earnings/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/apply-now/chase-freedom-flex/?pid=7538\u0026tid=post"]],["a",["href","https://thepointsguy.com/apply-now/chase-freedom-unlimited%e2%84%a0/?pid=221211281\u0026tid=post","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/apply-now/ink-business-premier-credit-card/?pid=8489\u0026tid=post","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/reviews/chase-ink-business-premier-card-review/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/united-cards-sign-up-offers/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/southwest-cards-current-offers/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/monthly-valuations/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/loyalty-programs/know-united-mileageplus/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/chase-pay-yourself-back/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/news/chase-ultimate-rewards-apple-offer/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/news/chase-month-of-more-bonuses/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/avios-points-compared/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/air-canada-aeroplan/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/ultimate-guide-flying-blue/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/ultimate-ba-avios-guide/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/emirates-skywards/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/book-iberia-flights-with-avios/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/jetblue-trueblue-program/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/ultimate-guide-singapore-krisflyer/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/southwest-rapid-rewards/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/know-united-mileageplus/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/great-value-virgin-atlantic-flying-club/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/ihg-rewards-club/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/award-travelers-guide-to-marriott-bonvoy/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/ultimate-guide-world-of-hyatt/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/current-transfer-bonuses/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/chase/redeeming-chase-ultimate-rewards-maximum-value/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/sweet-spots-chase-ultimate-rewards/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/hyatt-award-chart/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/best-park-hyatts/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/reviews/park-hyatt-new-york-hotel/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/reviews/park-hyatt-sydney-hotel-points-redemptions/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/guide/best-category-1-hyatt-hotels","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/chase-pay-yourself-back/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/guide/maximizing-rewards-points-non-travel-redemptions/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/chase/"]]],"sections":[[1,"p",[[0,[0],1,"Chase Ultimate Rewards"],[0,[],0," points give you access to some of the best hotel and airline transfer partners in the business, as well as "],[0,[1],1,"Chase Travel℠"],[0,[],0,", the issuer's easy-to-use travel portal, which allows you to redeem points for a wide variety of bookings, including rental cars, hotels, flights, tours and activities."]]],[1,"p",[[0,[],0,"Despite increasing competition from "],[0,[2],1,"American Express Membership Rewards"],[0,[],0,", "],[0,[3],1,"Citi ThankYou Rewards,"],[0,[],0," "],[0,[4],1,"Capital One miles"],[0,[],0,", "],[0,[5],1,"Bilt Rewards"],[0,[],0," and "],[0,[6],1,"Wells Fargo Rewards"],[0,[],0,", Chase Ultimate Rewards has maintained its place as one of the most valuable and useful points currencies."]]],[1,"p",[[0,[],0,"If you're ready to get serious about traveling more for less, here's everything you need to know about how to earn and redeem your Chase Ultimate Rewards points."]]],[10,0],[1,"p",[[0,[],0,"Ultimate Rewards points are the currency of most "],[0,[7],1,"Chase-branded credit cards"],[0,[],0,". You can earn Chase Ultimate Rewards points for everyday spending on these cards that you can then redeem for a wide range of rewards."]]],[10,1],[1,"p",[[0,[],0,"If you're just getting started in the world of travel credit cards, it's typically best to start with Chase products, thanks to the issuer's "],[0,[8],1,"well-documented 5/24 rule"],[0,[],0,". In short, you generally can't get approved for any Chase cards — including those that earn Ultimate Rewards points — if you've applied for five or more new credit cards across all banks in the past 24 months."]]],[1,"p",[[0,[],0,"Remember this restriction as you build a strategy to maximize your credit card rewards."]]],[1,"p",[[0,[9],0,"Related: "],[0,[10],2,"The ultimate guide to credit card application restrictions"]]],[10,2],[1,"p",[[0,[],0,"There are many ways to earn Chase points at rates of 1 to 10 points per dollar spent, depending on the specific Chase credit card you carry."]]],[1,"p",[[0,[],0,"The first three cards below earn fully transferable Ultimate Rewards points all by themselves, while the remaining four are technically billed as "],[0,[11],1,"cash-back credit cards"],[0,[],0,"."]]],[1,"p",[[0,[],0,"However, if you have an Ultimate Rewards points-earning card, you can "],[0,[12],1,"combine your Chase cash-back rewards"],[0,[],0," in a single account, effectively converting your cash-back rewards into fully transferable points. For this reason, having more than one Chase card can make sense to maximize your earning and redeeming potential."]]],[1,"p",[[0,[],0,"Here are the seven cards that allow you to earn Chase Ultimate Rewards points."]]],[1,"h3",[[0,[],0,"Chase Sapphire Preferred Card"]]],[1,"p",[[0,[9],1,"Welcome offer"],[0,[],0,": You'll earn 60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months of account opening. That's worth $750 when redeemed through Chase Travel."]]],[1,"p",[[0,[9],1,"Why you want it"],[0,[],0,": This is a fantastic all-around "],[0,[13],1,"travel credit card"],[0,[],0,". It earns points at the following rates:"]]],[3,"ul",[[[0,[],0,"5 points per dollar spent on Lyft (through March 2025)"]],[[0,[],0,"5 points per dollar spent on all travel purchased through Chase Travel"]],[[0,[],0,"3 points per dollar spent on "],[0,[14],1,"dining"],[0,[],0,", including eligible delivery services, takeout and dining out"]],[[0,[],0,"3 points per dollar spent on select streaming services"]],[[0,[],0,"3 points per dollar spent on online grocery purchases (excluding Target, Walmart and wholesale clubs)"]],[[0,[],0,"2 points per dollar spent on all other "],[0,[15],1,"travel"]],[[0,[],0,"1 point per dollar spent on all other purchases"]]]],[1,"p",[[0,[],0,"The Sapphire Preferred"],[0,[9],1,"®"],[0,[],0," Card has "],[0,[16],1,"no foreign transaction fees"],[0,[],0," and comes with "],[0,[17],1,"many travel perks"],[0,[],0,", including delayed baggage insurance, "],[0,[18],1,"trip interruption/cancellation insurance"],[0,[],0," and "],[0,[19],1,"primary car rental insurance"],[0,[],0,"."]]],[1,"p",[[0,[9],1,"Annual fee"],[0,[],0,": $95"]]],[1,"p",[[0,[9],0,"Application link: "],[0,[20],2,"Chase Sapphire Preferred® Card"]]],[1,"h3",[[0,[],0,"Chase Sapphire Reserve"]]],[1,"p",[[0,[9],1,"Welcome offer"],[0,[],0,": You'll earn 60,000 points after you spend $4,000 on purchases in the first three months from account opening. That's worth $900 when redeemed through the Chase Travel portal."]]],[1,"p",[[0,[9],1,"Why you want it"],[0,[],0,": Put simply, you want this card for its earning power and its travel perks that can easily cover the annual fee. It accrues the following earnings:"]]],[3,"ul",[[[0,[],0,"10 points per dollar spent on Lyft (through March 2025)"]],[[0,[],0,"10 points per dollar spent on "],[0,[21],1,"Chase Dining"],[0,[],0," booked through Ultimate Rewards"]],[[0,[],0,"10 points per dollar spent on hotel and car rental purchases through Chase Travel"]],[[0,[],0,"5 points per dollar spent on flights booked through Chase Travel"]],[[0,[],0,"3 points per dollar spent on travel not booked through Chase"]],[[0,[],0,"3 points per dollar spent on other dining purchases (excluding the $300 annual travel credit) and dining purchases worldwide"]],[[0,[],0,"1 point per dollar spent on all other eligible purchases"]]]],[1,"p",[[0,[],0,"Other perks include an easy-to-use "],[0,[22],1,"annual travel credit"],[0,[],0," worth $300, a fee credit for "],[0,[23],1,"Global Entry"],[0,[],0," or "],[0,[24],1,"TSA PreCheck"],[0,[],0," (up to $120 once every four years) and "],[0,[25],1,"Priority Pass Select"],[0,[],0," lounge access, as well as entry to the "],[0,[26],1,"growing list of new Sapphire lounges"],[0,[],0,". Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and "],[0,[27],1,"other protections"],[0,[],0,"."]]],[1,"p",[[0,[9],1,"Annual fee"],[0,[],0,": $550"]]],[1,"p",[[0,[9],0,"Application link: "],[0,[28],2,"Chase Sapphire Reserve®"]]],[1,"h3",[[0,[],0,"Ink Business Preferred Credit Card"]]],[10,3],[1,"p",[[0,[9],1,"Welcome offer"],[0,[],0,": You'll earn 90,000 points after you spend $8,000 on purchases in the first three months from account opening."]]],[1,"p",[[0,[9],1,"Why you want it"],[0,[],0,": This is one of the "],[0,[29],1,"best credit cards for small-business owners"],[0,[],0,", with the following earning rates:"]]],[3,"ul",[[[0,[],0,"3 points per dollar on the first $150,000 spent in combined purchases"],[0,[9],1," "],[0,[],0,"on travel, shipping, internet, cable and phone services, and advertising made with social media sites and search engines each account anniversary year"]],[[0,[],0,"1 point per dollar spent on all other purchases"]]]],[1,"p",[[0,[9],1,"Annual fee"],[0,[],0,": $95"]]],[1,"p",[[0,[9],0,"Application link: "],[0,[30],2,"Ink Business Preferred® Credit Card"]]],[1,"h3",[[0,[],0,"Ink Business Cash Credit Card"]]],[1,"p",[[0,[9],1,"Welcome offer"],[0,[],0,": Earn up to $750 cash back: $350 bonus cash back after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening."]]],[1,"p",[[0,[9],1,"Why you want it"],[0,[],0,": Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%). Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%). You can convert these earnings to Ultimate Rewards points if you have one of the three rewards cards mentioned above."]]],[1,"p",[[0,[9],1,"Annual fee"],[0,[],0,": $0"]]],[1,"p",[[0,[9],0,"Application link: "],[0,[31],2,"Ink Business Cash® Credit Card"]]],[1,"h3",[[0,[],0,"Ink Business Unlimited Credit Card"]]],[10,4],[1,"p",[[0,[9],1,"Welcome offer"],[0,[],0,": Earn $750 bonus cash back (which can become 75,000 Ultimate Rewards points) after spending $6,000 on purchases in the first three months from account opening."]]],[1,"p",[[0,[9],1,"Why you want it"],[0,[],0,": Earn unlimited "],[0,[32],1,"1.5% cash-back rewards"],[0,[],0," on every purchase. These cash-back earnings can be converted to Ultimate Rewards points if you have one of the points-earning cards listed above, meaning your small business can essentially earn 1.5 points per dollar spent on all charges made with this card."]]],[1,"p",[[0,[9],1,"Annual fee"],[0,[],0,": $0"]]],[1,"p",[[0,[9],0,"Application link: "],[0,[33],2,"Ink Business Unlimited® Credit Card"]]],[1,"h3",[[0,[],0,"Chase Freedom Flex"]]],[1,"p",[[0,[9],1,"Welcome bonus"],[0,[],0,": Earn $200 after you spend $500 in the first three months of account opening"]]],[1,"p",[[0,[9],1,"Why you want it:"],[0,[],0," The card earns 5% back on select bonus categories, which "],[0,[34],1,"rotate every quarter"],[0,[],0," (on up to $1,500 in combined spending; activation required). You can convert these rewards to valuable Ultimate Rewards points if you also have a points-earning credit card. Plus, you'll earn the following:"]]],[3,"ul",[[[0,[],0,"5% on travel purchased through Chase Travel"]],[[0,[],0,"3% on dining (including takeout and eligible delivery services) and drugstore purchases"]],[[0,[],0,"1% on all other purchases"]]]],[1,"p",[[0,[9],1,"Annual fee"],[0,[],0,": $0"]]],[1,"p",[[0,[9],0,"Application link: "],[0,[35],2,"Chase Freedom Flex®"]]],[1,"h3",[[0,[],0,"Chase Freedom Unlimited"]]],[1,"p",[[0,[9],1,"Welcome offer"],[0,[],0,": Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back."]]],[1,"p",[[0,[9],1,"Why you want it"],[0,[],0,": These earnings can be converted to valuable Ultimate Rewards points if you have one of the points-earning cards listed above. Plus, you can earn the following:"]]],[3,"ul",[[[0,[],0,"5% on travel purchased through Chase Travel"]],[[0,[],0,"3% cash back on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases"]],[[0,[],0,"1.5% on all other purchases"]]]],[1,"p",[[0,[9],1,"Annual fee"],[0,[],0,": $0"]]],[1,"p",[[0,[9],0,"Application link: "],[0,[36],2,"Chase Freedom Unlimited®"]]],[1,"h3",[[0,[],0,"Other Chase credit cards"]]],[1,"p",[[0,[],0,"Note that there are many other Chase-issued credit cards that aren't listed here, including:"]]],[3,"ul",[[[0,[],0,"Those that are no longer available to new applicants"]],[[0,[],0,"Those that don't fully participate in the Ultimate Rewards program, like the "],[0,[37],1,"Ink Business Premier® Credit Card"],[0,[],0,", which exclusively offers cash back and "],[0,[38],1,"doesn't allow rewards"],[0,[],0," to be combined with other cards"]],[[0,[],0,"Cobranded products with a partner's loyalty program, like "],[0,[39],1,"United Airlines cards"],[0,[],0," and "],[0,[40],1,"Southwest Airlines cards"],[0,[],0,", which don't participate in Ultimate Rewards"]]]],[10,5],[1,"p",[[0,[],0,"Chase Ultimate Rewards points do not expire, provided you keep at least one card that earns Ultimate Rewards points open."]]],[1,"p",[[0,[],0,"If you cancel all your Ultimate Rewards cards, you must redeem or transfer your points before closing the last card. Otherwise, you will forfeit the points."]]],[10,6],[1,"p",[[0,[],0,"TPG values Ultimate Rewards points at 2.05 cents apiece in our October 2024 "],[0,[41],1,"valuations"],[0,[],0,". This is largely due to the array of valuable transfer partners like World of Hyatt and "],[0,[42],1,"United Airlines MileagePlus"],[0,[],0,", as these options give you valuable flexibility in your redemptions."]]],[1,"p",[[0,[],0,"However, you'll get varying values for Chase points if you pursue other redemption opportunities. For example, Ultimate Rewards points are worth 1.5 cents apiece through Chase Travel for Sapphire Reserve cardholders and 1.25 cents for those with the Sapphire Preferred or Ink Business Preferred card. You'll also have access to "],[0,[43],1,"Chase Pay Yourself Back"],[0,[],0," as a cardholder of any of the above cards, and there are occasionally offers to "],[0,[44],1,"use Chase points for Apple products"],[0,[],0," or "],[0,[45],1,"gift cards"],[0,[],0," at an enhanced value."]]],[1,"p",[[0,[],0,"Finally, Chase points are worth 1 cent apiece if used for simple cash back."]]],[10,7],[10,8],[1,"p",[[0,[],0,"You can transfer Ultimate Rewards points to 11 airline programs:"]]],[3,"ul",[[[0,[46],1,"Aer Lingus AerClub"]],[[0,[47],1,"Air Canada Aeroplan"]],[[0,[48],1,"Air France-KLM Flying Blue"]],[[0,[49],1,"British Airways Executive Club"]],[[0,[50],1,"Emirates Skywards"]],[[0,[51],1,"Iberia Plus"]],[[0,[52],1,"JetBlue TrueBlue"]],[[0,[53],1,"Singapore Airlines KrisFlyer"]],[[0,[54],1,"Southwest Airlines Rapid Rewards"]],[[0,[55],1,"United Airlines MileagePlus"]],[[0,[56],1,"Virgin Atlantic Flying Club"]]]],[1,"p",[[0,[],0,"Chase also partners with three hotel programs:"]]],[3,"ul",[[[0,[57],1,"IHG One Rewards"]],[[0,[58],1,"Marriott Bonvoy"]],[[0,[59],1,"World of Hyatt"]]]],[1,"p",[[0,[],0,"All transfer ratios are 1:1 (though there are occasional "],[0,[60],1,"transfer bonuses"],[0,[],0,"), and you must transfer points in 1,000-point increments."]]],[10,9],[10,10],[1,"p",[[0,[],0,"When "],[0,[61],1,"redeeming Ultimate Rewards points"],[0,[],0,", you have three basic options:"]]],[3,"ul",[[[0,[],0,"Fixed-value, nontravel redemptions (e.g., cash back, gift cards, Apple products)"]],[[0,[],0,"Fixed-value Chase Travel bookings"]],[[0,[],0,"Transfers to travel partners"]]]],[1,"p",[[0,[],0,"The \"best\" option depends on your travel needs. Points are here to save you money, and you should use them when it suits you."]]],[1,"p",[[0,[],0,"That being said, you should aim for the highest value whenever possible. Here's a look at your options."]]],[1,"h3",[[0,[],0,"Transfer to travel partners"]]],[1,"p",[[0,[],0,"Transferring Ultimate Rewards points to travel partners is often the most valuable way to redeem your hard-earned points. With 14 transfer partners, you have plenty of options, and you can keep your Chase points in your Ultimate Rewards account until you are ready to transfer them, which provides excellent flexibility. Our "],[0,[62],1,"favorite sweet spots"],[0,[],0," include:"]]],[3,"ul",[[[0,[9],1,"Top-tier Hyatt hotels"],[0,[],0,": The "],[0,[63],1,"World of Hyatt award chart"],[0,[],0," is inexpensive compared to some competitors. You can book some of the fanciest "],[0,[64],1,"Park Hyatt properties"],[0,[],0," in the entire portfolio, including the "],[0,[65],1,"Park Hyatt New York"],[0,[],0," and the "],[0,[66],1,"Park Hyatt Sydney"],[0,[],0,", for 35,000 points per night during off-peak dates. TPG values Hyatt points at 1.7 cents each (per our October 2024 valuations), so 35,000 points are worth $595. That's a great deal for hotels that routinely sell for close to $1,000, even when demand is low. There's also great value at the lower end of the Hyatt award chart. "],[0,[67],1,"Category 1 hotels"],[0,[],0," range from 3,500 to 6,500 points per night, depending on peak, standard and off-peak pricing."]],[[0,[9],1,"Iberia flights to Madrid"],[0,[],0,": Round-trip flights from New York's John F. Kennedy International Airport (JFK), Chicago's O'Hare International Airport (ORD) and Boston Logan International Airport (BOS) to Spain's capital will only set you back 34,000 Avios in off-peak blue class economy, 50,000 points (off-peak) in premium economy or 68,000 points (off-peak) in business class when you transfer your Chase points to Iberia Plus. Considering that most airlines charge at least 60,000 miles for a one-way business-class award to Europe, you're essentially getting a 50% discount."]],[[0,[9],1,"Short-haul flights to Canada"],[0,[],0,": Aeroplan stuck to an award chart for partner redemptions but added dynamic pricing for Air Canada flights. As a result, you can often find super-cheap short-haul tickets from the U.S. to Canada. For example, a flight from JFK to Toronto Pearson Airport (YYZ) can be booked for under 6,000 points one-way on many dates."]]]],[1,"h3",[[0,[],0,"Book via Chase Travel"]]],[1,"p",[[0,[],0,"You can book through Chase Travel and redeem points for your plane tickets, hotel stays, rental cars or experiences at a fixed cash value per point."]]],[1,"p",[[0,[],0,"As a Chase Sapphire Preferred or Chase Ink Business Preferred cardholder, each point is worth 1.25 cents. If you have the Chase Sapphire Reserve, your points are worth 1.5 cents each toward travel redemptions in the portal. If you have a Chase Freedom Flex, Ink Business Unlimited Credit Card, Ink Business Cash Credit Card or Chase Freedom Unlimited, all points are worth 1 cent each."]]],[1,"p",[[0,[],0,"However, as noted previously, if you have multiple cards earning Ultimate Rewards points, you can combine your points into the account with the highest value for Ultimate Rewards bookings. For example, your points earned with the Chase Freedom Flex can be moved to your Sapphire Reserve account, thus increasing their value from 1 to 1.5 cents apiece. This is a generous offer from a credit card program."]]],[1,"p",[[0,[],0,"If you can find inexpensive airfare via Chase Travel, using your points for these flights can make sense to save cash. In the eyes of the airline, tickets booked this way are essentially the same as paid fares. This means you'll earn elite status credits and redeemable miles. Be careful to avoid basic economy tickets unless you are OK with their restrictions."]]],[1,"p",[[0,[],0,"In the case below, spending 2,973 Ultimate Rewards points from a Sapphire Reserve account to fly from Newark Liberty International Airport (EWR) to Fort Lauderdale-Hollywood International Airport (FLL) isn't too shabby."]]],[10,11],[1,"p",[[0,[],0,"You might also consider the travel portal option if you only have a handful of Ultimate Rewards points left, since Chase lets you redeem points to cover even just a portion of the trip cost. You would then pay the remaining balance with cash."]]],[1,"p",[[0,[],0,"Finally, this is a decent option for car rentals, nonchain lodging and when cash rates make spending points through transfer partners a bad value. The hotel options are quite varied, though be aware that if you book a hotel that participates in a major loyalty program through Chase, you likely won't earn hotel points, nor will you be able to take advantage of any elite status perks."]]],[1,"h3",[[0,[],0,"Enjoy fixed-value, nontravel redemptions"]]],[1,"p",[[0,[],0,"You can redeem Chase points for a statement credit or bank deposit at a flat rate of 1 cent each, and this rate also applies to gift cards and Apple products (outside a limited-time special)."]]],[1,"p",[[0,[],0,"However, with Chase Pay Yourself Back, you can redeem points for cash back at a rate of 1 to 1.5 cents each, depending on your card. This redemption rate is valid on statement credits toward rotating purchase categories. Be sure to check out our article on the"],[0,[68],1," current Chase Pay Yourself Back categories"],[0,[],0,"."]]],[10,12],[1,"p",[[0,[],0,"Finally, you can also link your eligible Chase cards to your Amazon account and pay for purchases with the Shop With Points program. However, you will only receive a value of around 0.8 cents per Ultimate Rewards point."]]],[1,"p",[[0,[],0,"As you can see, you'll generally get much better value with the program's transfer partners and Chase Travel bookings. However, we know needs can change, so these "],[0,[69],1,"nontravel redemptions remain"],[0,[],0," fall-back options."]]],[10,13],[1,"p",[[0,[],0,"Chase Ultimate Rewards is one of our favorite credit card programs at TPG. It allows you to start with a credit card "],[0,[70],1,"offering a large welcome bonus"],[0,[],0," and then enjoy bonus points on many everyday spending categories — like airfare, hotels, dining and groceries. Then, you can choose from a huge range of transfer partners, redeem points for travel directly with Chase or choose cash back."]]]],"version":"0.3.1"},"cpmTags":null,"customSchema":null,"description":"Chase Ultimate Rewards guide: How you can earn, redeem and transfer Ultimate rewards points","editorsNote":null,"featuredImage":{"credit":"D3SIGN/GETTY IMAGES","height":1067,"id":"1579817","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/GettyImages-1410639936.jpg","title":"Young Asian woman shopping online for flight ticket on airline website with laptop at home, sitting next to suitcase with sun hat, camera, clothings, headphones, smartphone and passport. Getting ready for vacation. Travel and vacation concept","width":1600},"id":"us#1723563","isTragedy":false,"pathname":"/loyalty-programs/chase-ultimate-rewards/","published":"2024-10-22T20:00:09.000Z","readingTime":{"minutes":15.32,"text":"16 min read"},"reviewAffiliate":null,"reviewedBy":[],"seal":null,"showAds":true,"showEditorialDisclaimer":true,"showNewsletterCallout":true,"slots":3,"slug":"chase-ultimate-rewards","socialThumbnails":{"facebook":"https://thepointsguy.freetls.fastly.net/us/originals/2024/04/SOCIAL-IMAGE_PARTNER-OFFERS-TERMS-APPLY_woman-traveling-on-the-train-near-Matterhorn-Swiss-Alps_-Oleh_Slobodeniuk_14.jpg","twitter":"https://thepointsguy.freetls.fastly.net/us/originals/2024/04/SOCIAL-IMAGE_PARTNER-OFFERS-TERMS-APPLY_woman-traveling-on-the-train-near-Matterhorn-Swiss-Alps_-Oleh_Slobodeniuk_14.jpg"},"sponsorship":null,"summary":[],"surrogateKeys":["single","post-1723563","slug-chase-ultimate-rewards","author-bensmithson","card-221211973"],"tableOfContents":[{"id":"what-are-chase-ultimate-rewards-points","title":"What are Chase Ultimate Rewards points?"},{"id":"how-do-i-earn-chase-ultimate-rewards-points","title":"How do I earn Chase Ultimate Rewards points?"},{"id":"do-chase-ultimate-rewards-points-expire","title":"Do Chase Ultimate Rewards points expire?"},{"id":"what-are-chase-ultimate-rewards-points-worth","title":"What are Chase Ultimate Rewards points worth?"},{"id":"what-are-the-chase-ultimate-rewards-transfer-partners","title":"What are the Chase Ultimate Rewards transfer partners?"},{"id":"options-to-redeem-ultimate-rewards-points","title":"Options to redeem Ultimate Rewards points"},{"id":"bottom-line","title":"Bottom line"}],"title":"The complete guide to Chase Ultimate Rewards: How to earn, redeem and transfer points","titleTag":"Chase Ultimate Rewards: How you can earn, redeem and transfer reward points","tpSrc":"","transactionalWidgetCards":[],"updated":"2024-11-14T20:27:05.000Z","watchtowerTags":{"appliedTags":{"primarySubject":[{"name":"points and miles"}],"transactional":null}},"wpPostId":1723563}},"dataUpdateCount":1,"dataUpdatedAt":1739826901787,"error":null,"errorUpdateCount":0,"errorUpdatedAt":0,"fetchFailureCount":0,"fetchMeta":null,"isFetching":false,"isInvalidated":false,"isPaused":false,"status":"success"},"queryKey":["Article","US","chase-ultimate-rewards",false,null],"queryHash":"[\"Article\",\"US\",\"chase-ultimate-rewards\",false,null]"},{"state":{"data":{"cachedTime":"2025-02-13T16:49:18.975Z"},"dataUpdateCount":1,"dataUpdatedAt":1739826901799,"error":null,"errorUpdateCount":0,"errorUpdatedAt":0,"fetchFailureCount":0,"fetchMeta":null,"isFetching":false,"isInvalidated":false,"isPaused":false,"status":"success"},"queryKey":["CachedTime","Article","US:chase-ultimate-rewards"],"queryHash":"[\"CachedTime\",\"Article\",\"US:chase-ultimate-rewards\"]"}]},"generated":"2025-02-17T21:15:01.799Z","health":{"empennageUrl":"https://empennage.api.thepointsguy.com","message":"I am still alive","watchtowerUrl":"https://watchtower.api.thepointsguy.com","mode":"production"},"isApp":false,"propsType":"article","shouldShowPreview":false,"slug":"chase-ultimate-rewards","timing":{"article":9,"cachedTime":11,"resolution":46}},"__N_SSP":true},"page":"/[...pathname]","query":{"pathname":["loyalty-programs","chase-ultimate-rewards"]},"buildId":"5cFe0HbBGjiAn1jjAPIbO","runtimeConfig":{"mode":"production","rum":{"appMonitorId":"378863cf-4a3d-47a4-b422-858bb5bdef95","guestRoleArn":"arn:aws:iam::478340198356:role/cloudwatch_guest_role","identityPoolId":"us-east-1:68d8040d-689e-46e1-8271-75853f2ca97f","sessionSampleRate":0.1},"ukBaseUrl":"https://thepointsguy.co.uk","usBaseUrl":"https://thepointsguy.com"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"locale":"en-US","locales":["en-US","en-GB"],"defaultLocale":"en-US","domainLocales":[{"defaultLocale":"en-GB","domain":"thepointsguy.co.uk","http":false},{"defaultLocale":"en-US","domain":"thepointsguy.com","http":false}],"scriptLoader":[]}</script></body></html>