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The Guide to Chase’s Travel Portal

Ramsey is a freelance travel journalist covering business travel, loyalty programs and luxury travel. His work has appeared in Travel+Leisure, Condé Nast Traveler, Reader's Digest, AFAR, BBC Worldwide, USA Today, Frommers.com, Fodors.com, Business Traveler, Fortune, Airways, TravelAge West, MSN.com, Bustle.com and AAA magazines. As someone who flies more than 450,000 miles per year and has been to 173 countries, he is well-versed in the intricacies of credit cards and how to maximize the associated perks and services.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Who can use Chase's travel portal?

How to use chase's travel portal, other things you can do in chase's portal, chase travel contact options, chase's travel portal can be lucrative.

Chase Ultimate Rewards® points are among the most useful rewards you can earn. When it comes time to redeem them, you will be directed to Chase's travel portal. This is where you can book flights, hotels and rental cars with points, redeem them for merchandise and gift cards, or transfer points to other programs.

Should you redeem points to pay for a trip instead of using cash or transfer them to a loyalty program partner to get better value? You'll need to do a little homework to find the right answer as each situation is different.

Chase points are the currency you earn when using cards like Chase Sapphire Preferred® Card or Chase Sapphire Reserve® . They are superior in many ways to other point currencies because  you earn more than one penny in value  per point with these two cards. For example, when redeeming through Chase's travel portal, the Chase Sapphire Reserve® will net you 1.5 cents in value per point and the Chase Sapphire Preferred® Card will net you 1.25 cents in value per point. When you transfer to a partner, your per-point-value may be even greater.

With the travel portal, you can redeem points to pay for an entire trip or you can use a mix of points and cash to cover a travel booking. You can also pay all in cash, earning 5 to 10 points per $1 spent, depending on the card you have. Using points for travel is the most valuable way to extract value from Chase Ultimate Rewards® for most people.

It's an efficient website, but some irritants snag even savvy travelers. Let's dig into Chase's travel portal's good and bad. You'll find that it is mostly good, if not great.

Chase cards vary in earning and redemption benefits so you will want to pay attention to which one you use, especially if you have more than one card. The most valuable cards earn Ultimate Rewards® points, but some Chase cards, like the United℠ Explorer Card , earn miles or points in that co-branded program (in this example, United MileagePlus miles ).

Let’s review the cards that earn Chase Ultimate Rewards®, with the most rewarding cards first. Keep in mind that if you have more than one of these cards, you can move points between Chase Ultimate Rewards® accounts to redeem them from an account that delivers more cents per point in value.

These cards earn Chase Ultimate Rewards® and provide access to Chase's travel portal:

Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card .

Ink Business Preferred® Credit Card .

Chase Freedom Unlimited® .

Chase Freedom Flex® .

Ink Business Cash® Credit Card .

Ink Business Unlimited® Credit Card .

Chase Freedom Rise Credit Card.

There is an important perk to remember if you have multiple cards. Since the Chase Sapphire Reserve® card offers 1.5 cents in value per point and the Ink Business Preferred® Credit Card and the Chase Sapphire Preferred® Card offer 1.25 cents in value, it is best to redeem points from these accounts rather than any other Chase card.

If you have one of those two premium cards and another Chase card (like Chase Freedom Unlimited® , for example), you can move your Ultimate Rewards® points from the Chase Freedom Unlimited® account to a premium card’s account (like the Chase Sapphire Reserve® card).

This strategy allows you to unlock half a cent more in value in seconds. It’s one of the best benefits of Ultimate Rewards® when you have a premium card and one of its no-fee cards.

Want to earn a bunch of points quickly to make a redemption? The sign-up bonuses on these cards can rake in extra points if you meet the terms and conditions.

on Chase's website

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Point value in Chase's travel portal: 1.25 cents apiece.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Point value in Chase's travel portal: 1.5 cents apiece.

• In the first year, 6.5% cash back on travel purchased through Chase, 4.5% cash back on drugstores and restaurants, and 3% on all other purchases on up to $20,000 in spending.

• After that, 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Point value in Chase's travel portal: 1 cent apiece.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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!

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» Learn more: The best travel credit cards right now

Here’s a primer on what you can and cannot do with Ultimate Rewards® points.

Log in to your account, then navigate to the Chase Ultimate Rewards® tab on the right of the screen. If you have more than one card that earns this currency, you can see each balance and select the account from which you want to redeem points.

Once you select the card, you’ll be taken to a homepage that shows the points you have earned and how you can redeem them. We recommend sticking to travel redemptions rather than using points for merchandise as the value diminishes significantly with the latter.

Select the "Travel" tab at the top of the screen. From here, you can decide whether to transfer points to a partner or redeem them as cash for a trip.

One of the best perks of using this travel portal to make a points redemption is that you still earn frequent flyer miles on most airline tickets since these are booked as a revenue ticket (not as an award redemption like when using airline miles to book a flight).

How to book award flights in Chase's travel portal

This is one of the more popular features of using points, but keep in mind it doesn't feature all airlines, which can be frustrating. Even if you find a flight on an airline's website or third-party booking site, it doesn't mean it will be available at Chase.

Enter the relevant details in the search bar to find a flight. Results can be filtered by stops, airline or price. Another benefit of this portal is that you aren't subject to award seat availability in the same way you might be when redeeming miles through an airline's program.

If there is a seat that could be bought with cash, you can usually redeem points for it. Plain and simple.

Compare how many miles you would need if booking directly with the airline with what Chase is charging.

If it would cost fewer points to book directly with the airline, you’ll want to use miles instead. For example, Delta co-branded American Express cardholders can often redeem their miles like cash on Delta’s website (at 1 cent per mile’s value). That’s just average, but if it is cheaper than what Chase is charging, consider that the better option. But don’t forget that airlines will add on taxes and fees when redeeming miles . Airfare booked with Chase Ultimate Rewards® points don't have additional costs tacked on — these are already bundled into the fare.

Another important note is that some low-cost airlines like Allegiant don't appear in search results. If you want to travel on a budget airline, then you'll need to visit those websites to compare fares.

You can pay in cash, points or a combination. Chase will display particular details about your fare, like whether assigned seats or checked bags are included. This may not take into account any elite status perks you hold.

How to book hotels in Chase's travel portal

You can also redeem points for hotel stays using Ultimate Rewards® points. This is great news, especially when staying at hotels where you may not have  elite status  or don't care about elite perks or points earned.

Keep in mind that when making a reservation outside a hotel’s official reservation channels, you won’t earn points in its program or be able to take advantage of elite status benefits. So if you have status with a hotel chain, this isn't the best value unless you are willing to forgo those benefits.

Making a reservation is straightforward. Enter the city and travel dates to see a list of hotels available for redemption. Then, you can redeem points or pay in cash for your trip.

Like with flights, compare the cost of Chase Ultimate Rewards® points with the number of points a hotel’s program is charging. A particular favorite is World of Hyatt, which still uses an award chart and, as a transfer partner of Chase Ultimate Rewards®, can often deliver more favorable deals when using Hyatt’s points rather than Chase points.

For example, it would cost about 9,000 Chase Ultimate Rewards® points to redeem a night at Hyatt Place London Heathrow Airport. But, if you transfer points to World of Hyatt, you would need 5,000 points for the same night’s stay.

How to book car rentals in Chase's travel portal

This is a great place to reserve rental cars using points, and Chase rental car insurance benefits apply when using the card and paying with points. But, for that to be the case, you will want to pay for part of the rental in cash so the insurance benefits are activated. To do that, pay with a combination of cash and points, and decline the rental company's insurance first.

How to book activities in Chase's travel portal

Activities available for booking through Chase's travel portal include tours and experiences at home or when traveling and airport transfers. Price comparison plays a role here, too, since many hotel brands have their own platforms like Marriott Bonvoy Moments or FIND Experiences from World of Hyatt. These allow you to redeem points for experiences.

Check which program is cheaper before redeeming Chase points if you find similar options in either program.

How to book cruises in Chase's travel portal

Since cruise bookings can be more complex, you will need to call Chase Ultimate Rewards® at 855-234-2542 to make a reservation. There are many ways to earn multiple points when booking a cruise that may be better than using Chase, but when redeeming points for a cruise , there can be a lot of value.

Using Chase's portal to make a travel reservation is also strategic, as depending on your card, you can earn a healthy stash of points this way. Just be sure to compare the benefits you can earn with the opportunity cost of booking elsewhere.

Benefits of booking travel in Chase's portal

Let’s say you have a premium card like Chase Sapphire Reserve® . It earns 5x points per $1 when booking flights through the portal. The sweet spot is when using this card for hotel stays and rental cars booked via the portal for 10x points per dollar spent. Consider what’s in your wallet, and decide which card will net the most points.

Another benefit is that you will earn miles from flights booked through the portal, even when redeeming Chase Ultimate Rewards® points since these are viewed as a revenue ticket.

Remember, you will want to compare if it is cheaper to redeem airline miles directly through a carrier’s redemption program or if you can use fewer points by redeeming Chase points via the portal.

Sometimes it might make more sense to transfer points from Chase to an airline partner when redeeming a flight (or a hotel program when making a hotel stay). Be as vigilant with price comparison when redeeming miles and points as you would when using cash.

Does Chase's travel portal price match?

No. You cannot submit a lower fare elsewhere for a price guarantee here since this isn't a publicly available site. It is only available to those who have a Chase card.

What else you need to know

When booking through this reservation site, keep in mind that most airlines and hotels cannot assist directly with a reservation. They see this as a third-party booking through Expedia and will direct you to Chase's agents.

Many travelers report the experience can be frustrating when travel disruptions or cancellations occur. Agents are friendly but can sometimes be limited in their abilities, often reading prompts on their screens in international call centers.

It can be a hazard booking a reservation with a third party, but the trade-off in redeeming points is worth it for some travelers.

If you do need to contact a Chase portal agent for support on a reservation made through the site — whether for a flight, hotel booking, car rental or activity — you've got one option: a good, old-fashioned telephone call.

Dial 866-331-0773 for assistance regarding changes or cancellations to your bookings.

You might have better luck dialing the support line for your specific Chase card. You might opt to give one of these a try:

Chase Sapphire Reserve® : 855-234-2542.

Chase Sapphire Preferred® Card : 866-331-0773.

All other cards: 866-951-6592.

If you compare prices and consider the opportunity cost of using the portal instead of booking elsewhere, you can almost always come out ahead.

You can save money, earn bonus points and travel better with transferable loyalty points like Chase Ultimate Rewards®. They have the flexibility and versatility necessary to deliver excellent value on travel (rather than being locked into one airline or hotel loyalty program). With the right card (or suite of cards), you’ll be able to accumulate points and benefits.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 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!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Chase Travel®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

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How to use chase ultimate rewards® for travel.

Whether you're a longtime cardholder or just starting your credit card journey with Chase, you may be wondering: What is the best way to use Chase points ? The answer will be different for everyone, but if you like to travel, you may find that using your points on your trips is your favorite way to spend them. Learning how to use Chase Ultimate Rewards to make the most of your points could help you pack in a few extra adventures when planning your next getaway.

How to earn Chase Ultimate Rewards points

Chase Ultimate Rewards points are redeemable points you can earn through welcome bonus offers or when making purchases with your Chase-branded cards, such as:

• Chase Sapphire
• Chase Freedom
• Chase Ink Business

You may also earn Ultimate Rewards at an accelerated rate on certain purchases or bonus categories — the typical rate is one point earned per dollar spent.

Redeeming Chase Ultimate Reward points

As a general rule of thumb, one point equates to $0.01 in redeemable value. This can fluctuate, however, depending on how you decide to redeem your points. When it comes to travel there are three main ways to redeem Ultimate Rewards points:

• Booking travel directly through the Chase travel portal.
• Transferring your points to Chase travel partners, such as airlines and hotels.
• Redeeming your points for gift cards or statement credits.

Using Ultimate Rewards points for travel

If you decide to redeem your Chase Ultimate Rewards to book travel, you may want to know what your options are. The main way you can redeem your points is through the Chase travel portal. There, you can directly find, book and pay for travel expenses such as flights, hotels, car rentals, cruises, tours and other activities or transfer points to hotel and airline partners.

When transferring your Ultimate Rewards to Chase travel partners, i.e. airlines and hotels, the transfer ratio is typically 1:1. That means that however many Ultimate Rewards points you have, you'll have the same amount in partner points with whichever Chase Ultimate Rewards travel partner you choose.

Why book through Chase Travel portal?

Something to note when using the portal is that the value of your points can change depending on which card you have.

For instance, if you have the Chase Freedom Unlimited ® card, your points are worth one cent each. With the Chase Sapphire Preferred ® or Ink Business Preferred ® cards, your points are each worth 1.25 cents. You'll get the highest value with the Chase Sapphire Reserve ® , as points are worth 1.5 cents each in the travel portal with that card.

If you have multiple eligible cards, you can combine your points to get the most out of them.

One of the benefits of booking through the Chase travel portal is that you can earn points on paid reservations. For instance, with Chase Sapphire Reserve ® you can earn 5x points on airfare and 10x points on hotels and rental cars booked through the portal.

You can book flights, hotels and rental cars directly through the travel portal, but if you want to book a cruise using Ultimate Rewards points, you'll have to call Chase directly.

There's no right or wrong when it comes to how to redeem Chase Ultimate Rewards points. However, if you've been bitten by the travel bug, you may find the best way to use them is by transferring them to Chase partners or booking through the Chase travel portal. Take some time to compare points transfers and the travel portal and see which one helps you make the most out of your points.

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How to redeem Chase Ultimate Rewards points for maximum value

You can never have too many Chase Ultimate Rewards points .

This transferable points currency gives you access to some of the best hotel and airline transfer partners in the business, as well as the easy-to-use Chase Travel℠ portal , which allows you to cover a wide variety of different costs for your trip, including car rentals, hotels, flights, tours and activities, as well as some everyday expenses.

Despite increasing competition from American Express Membership Rewards , Citi ThankYou Rewards and Capital One miles , Chase Ultimate Rewards maintains its place as one of the most valuable points currencies on the planet. Plus, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® offer welcome bonuses of 60,000 points after you spend $4,000 on purchases in the first three months of account opening.

If you are new to redeeming Chase Ultimate Rewards points, this stress-free beginner guide will show you how to easily redeem points.

However, if you're ready to get serious about traveling more for less, here's everything you need to know about Chase transfer partners and the best ways to redeem your Chase Ultimate Rewards points.

How much are Ultimate Rewards points worth?

TPG values Ultimate Rewards points at 2.05 cents each, which is what you should aim for when redeeming them. The actual value you get from these points depends on how you redeem them.

How can I redeem Chase Ultimate Rewards?

If you redeem your points for cash back or statement credits at the lower-value end, each point is typically worth 1 cent.

A midvalue redemption option is to use your Chase points for virtually any kind of travel booking: Flights, hotels, cruises, tours and rental cars via Chase Travel. If you have the Chase Sapphire Preferred , your points are worth a fixed rate of 1.25 cents each. Meanwhile, cardholders of the Chase Sapphire Reserve get a higher valuation of 1.5 cents per point. This is an excellent redemption option for folks who don't want to deal with complicated award program rules.

If you want to maximize your Ultimate Rewards points, the most valuable option is often to transfer your points to one of 14 airline or hotel partners. From there, you can use them for premium travel bookings, such as premium cabin flights and luxury hotels.

What are the most valuable ways to redeem Chase points?

We've mentioned that transferring your Chase points to a travel partner is often your best bet if you want to get the most value out of your points. Here are some of the best ways to redeem Ultimate Rewards with airline and hotel transfer partners.

Air France-KLM Flying Blue

While Flying Blue prices its awards dynamically, the program has now standardized saver-level pricing for all one-way flights between the U.S. and Europe as follows, regardless of origin or destination, meaning you can connect at no extra cost:

• 20,000 miles in economy
• 35,000 miles in premium economy
• 50,000 miles in business class

Remember that these rates are only for the lowest saver-level seats, which are limited. Booking business class from anywhere in the U.S. to anywhere in Europe for 50,000 Flying Blue miles is a fantastic deal, so jump on this if you find this price on dates that work for you.

Additionally, you could spend a few days in Paris or Amsterdam using the free Flying Blue stopover program . This is a great way to visit another city without paying additional miles or cash. To book Flying Blue stopovers, you'll need to call Flying Blue at 800-375-8723.

Southwest Airlines Rapid Rewards

TPG values Southwest Rapid Rewards points at 1.35 cents each, which is a lot less than the 2.05 cents per-point value of Ultimate Rewards. So, transferring to Southwest isn't a great way to use your Chase Ultimate Rewards points.

However, there are a couple of scenarios where transferring points to a friendly carrier with no change or baggage fees makes sense. First, for inexpensive fares of $100 or less, Rapid Reward points can be worth as much as 1.7 cents per point, which beats the value you get when booking through the portal. Second, if you have a Southwest Companion Pass and are really getting two flights for the price of one award, then your points become worth as much as 3.4 cents per point for inexpensive fares.

Remember, too, that Southwest flights booked with Rapid Rewards points include free changes and cancellations , which gives you a ton of flexibility if the award rate drops after booking.

Singapore Airlines KrisFlyer

Singapore Airlines has several benefits as a potential airline transfer destination for your Ultimate Rewards. First, Singapore is one of the best airlines in the sky, with tremendous service and luxurious onboard products and experiences. The carrier's premium-class products are typically only available through the KrisFlyer program , not with its Star Alliance partners.

Second, Singapore's KrisFlyer program offers fantastic value, with reasonable award charts, low fuel surcharges, routing rules that allow stopovers and the ability to combine multiple partners in one award.

Finally, the online award booking tool is intuitive and easy to use — though be aware that transfers typically are not instantaneous.

Here are some of our favorite KrisFlyer redemptions when using Chase Ultimate Rewards:

• Fly from the mainland U.S. to Hawaii in economy class on United Airlines for 19,500 miles each way
• Fly Singapore Airlines from the U.S. to Europe from 25,000 miles (note: this may be discounted further thanks to KrisFlyer's monthly Spontaneous Escapes offers )
• Fly the world's longest flight in business class from New York to Singapore for 111,500 miles each way
• Fly first class from Los Angeles to Japan or South Korea from 120,500 miles each way

Related: It doesn't get much better than this: Singapore Airlines' A380 in business class from Frankfurt to New York

Iberia Plus

Spain's national carrier remains a mystery to many Chase cardholders despite the significant value Iberia Plus can offer U.S.-based flyers. The carrier offers cheap economy, premium economy and business-class transatlantic flights on its own metal.

Transatlantic business class is priced based on a distanced-based award formula. One-way flights from Miami to Madrid on off-peak dates start at just 21,250 Avios in economy and 42,500 Avios in business class, for instance. There can be less than $100 in surcharges, depending on the class of service you book.

However, prices get even more attractive for shorter routes (based on distance in miles). For example, off-peak flights from Boston to Madrid require only 17,000 Avios in economy, 25,500 in premium economy and 34,000 Avios in business each way, one of the best sweet spots of any airline program.

Related: A review of Iberia's new business-class suite on the A350-900 from Madrid to Mexico City

Virgin Atlantic Flying Club

There are multiple ways to use Virgin Atlantic's loyalty program to unlock value. Thanks to its own distance-based formula, you can redeem points to fly Delta domestic itineraries here in the U.S. starting at 7,500 points per segment, potentially saving you thousands of points compared to the number of miles Delta is asking for the same flight.

Delta One flights to Europe (excluding the United Kingdom) are a flat 50,000 points for nonstop itineraries — though availability tends to be very scant. Instead, consider booking Air France flights in business class. On off-peak dates, flights from the U.S. to most of Europe are just 48,500 points.

Other partners like All Nippon Airways have award charts so attractive they almost seem like a mistake. You can use just 90,000 Virgin points to fly ANA business class round trip from the West Coast to Japan and 95,000 miles from the central and eastern U.S. to Japan — or one-way for half these prices.

Here is Flying Club's award chart for ANA-operated flights:

Virgin Atlantic also offers attractive fares on flights between the U.S. and the U.K., though taxes on the return flight are quite high. A one-way economy-class flight from the East Coast is just 10,000 points.

Related: How 5,000 credit card points saved me over $650 on a flight to London

British Airways Executive Club

If you need a short-haul, nonstop flight on a Oneworld partner like American Airlines or Alaska Airlines, British Airways Avios can reward you with tremendous savings.

Short-haul flights start at 8,250 Avios for U.S. economy flights up to 650 miles in length, 11,000 Avios for flights 651 to 1,151 miles in length and 14,500 Avios for flights up to 2,000 miles in length. The latter would cover a flight from Phoenix Sky Harbor International Airport (PHX) to Miami International Airport (MIA).

This can be considerably cheaper than what American Airlines charges its American AAdvantage members for the same flights.

British Airways also lowered the cost of Qatar Airways awards when the Doha-based carrier adopted Avios as its own loyalty currency , giving another great option for transferring your Chase points for a valuable award ticket.

Related: British Airways Executive Club: Guide to Avios, elite status and transfer partners

World of Hyatt

One of the best ways to use Ultimate Rewards points is to transfer them to World of Hyatt for low- or high-category properties. Hyatt points are generally worth more than Marriott Bonvoy and IHG points, so Hyatt is often your best hotel transfer partner within Chase Ultimate Rewards.

World of Hyatt also offers an extremely reasonable award chart, with prices ranging from 3,500 to 45,000 points.

If you're looking at standard award nights, the program has value across the spectrum of properties. Category 1 to 5 properties , in particular, can offer some fantastic awards. Examples include the Grand Hyatt Washington (17,000 to 23,000 points), the Grand Hyatt Athens (9,000 to 15,000 points) and the Park Hyatt Mendoza (12,000 to 18,000 points).

Several Category 1 properties sell for over $100 a night (excluding taxes), so redeeming just 3,500 points for these off-peak dates is usually a good decision. An example is the Hyatt Place Tucson-Central, which is bookable for just 3,500 to 6,500 Hyatt points per night.

Higher-tier hotels also have substantial value. For example, redeeming 35,000 to 45,000 points per night at the ski-out Park Hyatt Beaver Creek or 25,000 to 35,000 points per night at the Park Hyatt St. Kitts or the Park Hyatt Maldives Hadahaa can make sense since rooms at these luxury properties routinely sell for over $1,000 a night.

Best cards to earn Chase Ultimate Rewards points

There are many ways to earn Ultimate Rewards points with Chase credit cards. Here is a summary of the best options:

• Chase Sapphire Preferred Card : Best for overall mid-tier cards
• Chase Sapphire Reserve : Best for frequent travelers, dining and travel insurance
• Ink Business Preferred® Credit Card : Best for business travelers
• Ink Business Cash® Credit Card : Best for office supplies and technology services
• Ink Business Unlimited® Credit Card : Best for no-annual-fee business card
• Chase Freedom Flex® : Best for earning 5% cash back (or 5 points per dollar) up to a quarterly maximum; activation required
• Chase Freedom Unlimited® : Best for simple rewards

The first three cards earn fully transferable Ultimate Rewards points, while the remaining four are technically billed as cash-back credit cards .

However, if you have an Ultimate Rewards-earning card, you can convert your Chase cash-back rewards to Ultimate Rewards points. For this reason, having more than one Chase card in the family can make sense to maximize your earning and redeeming potential.

Check out TPG's guide to transferring Chase points between accounts for complete details.

Bottom line

The above strategies sample the many redemptions available through the Ultimate Rewards program. If you have the Chase Sapphire Reserve , the Chase Sapphire Preferred Card or the Ink Business Preferred Credit Card , booking through the Chase Travel portal at a rate of 1.25 to 1.5 cents per point will be a solid baseline redemption for many travelers.

However, to really get maximum value, look to utilize Chase transfer partners to book flights and hotel rooms that might otherwise be beyond your means.