Chase Final Rewards factors, a bank card rewards foreign money, give cardholders entry to a number of the greatest lodge and airline redemption switch companions within the factors and miles enterprise. Plus, Chase Journey℠, the issuer’s easy-to-use journey portal, means that you can redeem your factors for bookings like rental automobiles, motels, flights, excursions and actions.
Regardless of growing competitors from American Categorical Membership Rewards, Citi ThankYou Rewards, Capital One miles, Bilt Rewards and Wells Fargo Rewards, Chase Final Rewards has maintained its place as some of the invaluable and helpful transferable currencies.
When you’re able to get severe about touring extra for much less, this is every part you could learn about tips on how to earn, redeem and switch your Chase Final Rewards factors.
What are Chase Final Rewards factors?
Final Rewards factors are the foreign money of choose Chase-branded bank cards and a favourite bank card rewards foreign money right here at TPG. You may earn Chase Final Rewards factors for on a regular basis spending on sure playing cards after which redeem them for a variety of issues, similar to reward playing cards, money again and journey.
TPG values Chase factors at 2.05 cents apiece per our June 2025 valuations, largely as a result of you’ll be able to switch these versatile factors to varied journey companions to maximise their redemption worth.
Associated: The last word information to bank card utility restrictions
How do I earn Chase Final Rewards factors?
There are various methods to earn these invaluable factors at charges of 1 to eight factors per greenback spent, relying on the Chase bank card you carry and the kind of buy. However it’s necessary to know two kinds of Chase bank card rewards: Final Rewards factors and money again.
The primary three playing cards beneath earn absolutely transferable Final Rewards factors all by themselves, whereas the remaining 4 are technically marketed as cash-back bank cards.
Nonetheless, you probably have an Final Rewards points-earning card, you’ll be able to mix your Chase Final Rewards in a single account, successfully changing your cash-back rewards into absolutely transferable factors. Observe that this is not attainable with the Ink Enterprise Premier® Credit score Card (see charges and charges).
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Because of this, having multiple Chase card could make sense to maximise your incomes and redeeming potential.
Listed here are the eight playing cards that permit you to earn Chase Final Rewards factors.
Chase Sapphire Most popular Card
Welcome provide: Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months of account opening.
That is the usual welcome provide, price $1,538 based mostly on our June 2025 valuations.
Annual charge: $95
Why you need it: The Chase Sapphire Most popular® Card (see charges and charges) is a incredible all-around journey bank card. Along with incomes bonus factors on journey (amongst different classes), it comes with no overseas transaction charges and plenty of journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automotive rental insurance coverage.
To study extra, try our full assessment of the Chase Sapphire Most popular
Apply right here: Chase Sapphire Most popular® Card
Chase Sapphire Reserve
Welcome provide: Earn 100,000 bonus factors and a $500 Chase Journey credit score after spending $5,000 on purchases within the first three months from account opening.
The welcome provide is price $2,550, in line with TPG’s June 2025 valuations.
Annual charge: $795
Why you need it: Put merely, you need the Chase Sapphire Reserve® (see charges and charges) for its incomes energy and perks that may simply cowl the annual charge. These embody an easy-to-use annual journey credit score price $300, an annual $500 credit score for motels booked via The Edit by Chase Journey (cut up into two bi-annual credit), Precedence Move Choose lounge entry and entry to the rising listing of recent Sapphire lounges.
To study extra, try our full assessment of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve®
Sapphire Reserve for Enterprise
Welcome provide: Earn 200,000 bonus factors after spending $30,000 on purchases within the first three months from account opening.
This provide is price an astounding $4,100 based mostly on TPG’s June 2025 valuation.
Annual charge: $795
Why you need it: The Chase Sapphire Reserve for Enterprise℠ (see charges and charges) is the most effective card for enterprise house owners with journey bills. The cardboard presents 4 factors per greenback on airfare and motels booked direct, 3 factors per greenback on social media and search engine promoting, a $300 annual journey credit score and a $500 credit score for lodge bookings made via The Edit (cut up up into two bi-annual credit).
Be taught extra: Who ought to get the Chase Sapphire Reserve for Enterprise card?
Apply right here: Sapphire Reserve for Enterprise
Ink Enterprise Most popular Credit score Card
Welcome provide: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
This welcome provide is price $1,845 in line with TPG’s June 2025 valuation.
Annual charge: $95
Why you need it: The Ink Enterprise Most popular® Credit score Card (see charges and charges) is likely one of the greatest bank cards for small-business house owners, providing 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey, delivery, web, cable and cellphone providers, and promoting made with social media websites and search engines like google and yahoo every account anniversary 12 months.
To study extra, try our full assessment of the Ink Enterprise Most popular
Apply right here: Ink Enterprise Most popular® Credit score Card
Ink Enterprise Money Credit score Card
Welcome provide: Earn as much as $750 money again: $350 bonus money again after spending $3,000 on purchases within the first three months and a further $400 after spending $6,000 on purchases within the first six months from account opening.
Annual charge: $0
Why you need it: The Ink Enterprise Money® Credit score Card (see charges and charges) earns bonus money again on classes like gasoline stations, eating places, workplace provide shops and web, cable and cellphone providers. Cardholders are topic to a $25,000 cap every year on mixed purchases at eating places and gasoline stations and mixed purchases at workplace provide shops and on web, cable and cellphone providers.
You may convert these earnings to Final Rewards factors you probably have one of many three rewards playing cards talked about above.
To study extra, try our full assessment of the Ink Enterprise Money
Apply right here: Ink Enterprise Money® Credit score Card
Ink Enterprise Limitless Credit score Card
Welcome provide: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual charge: $0
Why you need it: The Ink Enterprise Limitless® Credit score Card (see charges and charges) earns limitless 1.5% cash-back rewards on each buy. These cash-back earnings will be transformed to Chase Final Rewards factors you probably have one of many points-earning playing cards listed above, which means your small enterprise can basically earn 1.5 factors per greenback spent on all expenses made with this card.
To study extra, try our full assessment of the Ink Enterprise Limitless
Apply right here: Ink Enterprise Limitless® Credit score Card
Chase Freedom Flex
Welcome bonus: Earn $200 money again after spending $500 within the first three months of account opening.
Annual charge: $0
Why you need it: The Chase Freedom Flex® (see charges and charges) earns 5% money again on choose bonus classes that rotate each quarter (on as much as $1,500 in mixed spending; activation required). You may convert these rewards to invaluable Chase Final Rewards factors if you happen to even have a points-earning bank card.
To study extra, try our full assessment of the Freedom Flex
Apply right here: Chase Freedom Flex®
Chase Freedom Limitless
Welcome provide: Earn $200 money again after spending $500 within the first three months of account opening.
Annual charge: $0
Why you need it: The Chase Freedom Limitless® Chase Freedom Limitless® earns no less than 1.5% money again on all purchases, making it an important selection for spending in nonbonus classes like pet bills and residential enchancment. These earnings will be transformed to invaluable Chase Final Rewards factors you probably have one of many points-earning playing cards listed above.
To study extra, try our full assessment of the Freedom Limitless
Apply right here: Chase Freedom Limitless®
Do Chase Final Rewards factors expire?
Chase Final Rewards factors don’t expire, offered you retain no less than one card that earns Final Rewards factors open. When you cancel your entire Final Rewards playing cards, you will need to redeem or switch your factors earlier than closing the final card. In any other case, you’ll forfeit the factors.
What are Chase Final Rewards factors price?
TPG values Chase Final Rewards factors at 2.05 cents apiece per our June 2025 valuations. That is largely because of the array of invaluable switch companions, similar to World of Hyatt and Air Canada Aeroplan.
These choices offer you loads of flexibility in your redemptions, making Chase’s bank card rewards an important ecosystem for vacationers.
Nonetheless, you may get various values for Chase factors if you happen to pursue different redemption alternatives. For instance, Final Rewards factors are price as much as 2 cents per level when reserving eligible journey via Chase Journey, relying on the cardboard and the precise redemption (see your rewards program settlement for full particulars).
Beginning Oct. 26, 2027, factors earned on the Sapphire Reserve and Sapphire Most popular will solely be redeemable at a charge of 1 cent per level for purchases not eligible for Factors Increase. Cardholders who utilized previous to June 23 will proceed to have the choice to redeem for 1.5 cents per level in the event that they maintain the Sapphire Reserve and 1.25 cents per level in the event that they maintain the Sapphire Most popular till then.
When you have a Chase enterprise card that provides elevated redemption charges for Chase Journey, your redemption charges are staying the identical.
You will even have entry to Chase Pay Your self Again as a cardholder of any of the above playing cards, and there are sometimes presents to redeem Chase factors for merchandise or reward playing cards at an enhanced worth.
Lastly, Chase factors are price 1 cent apiece if used for easy money again.
The way to redeem Chase Final Rewards factors
When redeeming Chase Final Rewards factors, you’ve gotten three primary choices:
- Mounted-value, non-travel redemptions (e.g., money again, reward playing cards and Apple merchandise)
- Mounted-value Chase Journey bookings
- Transfers to journey companions
The “greatest” possibility depends upon your journey wants. Factors are right here to avoid wasting you cash, and it’s best to use them because it fits you. That being stated, it’s best to purpose for the best worth at any time when attainable. Here is a have a look at your choices for redeeming Chase bank card rewards.
Switch to journey companions
Chase Final Rewards presents 14 switch companions, together with 11 airways and three lodge applications. All switch ratios are 1:1 (although there are occasional switch bonuses), and you will need to switch factors in 1,000-point increments.
As a result of most transfers are instantaneous, you’ll be able to maintain your Chase factors in your Final Rewards account till you might be able to switch them, which offers glorious flexibility.
Transferring Final Rewards factors to journey companions is commonly essentially the most invaluable strategy to redeem your hard-earned factors. Our favourite candy spots embody:
- High-tier Hyatt motels: The World of Hyatt award chart is cheap in comparison with many rivals. You may ebook a number of the most upscale Park Hyatt properties in the whole portfolio, together with the Park Hyatt Maldives Hadahaa and the Park Hyatt London River Thames, for 25,000 factors per night time throughout off-peak dates. Since these motels routinely promote for near $1,000, you’ll be able to simply get no less than 4 cents per level. There’s additionally nice worth on the decrease finish of the Hyatt award chart. Class 1 motels vary from 3,500 to six,500 factors per night time, relying on peak, normal and off-peak pricing.
- Iberia flights to Madrid: Spherical-trip flights from New York’s John F. Kennedy Worldwide Airport (JFK), Chicago’s O’Hare Worldwide Airport (ORD) and Boston Logan Worldwide Airport (BOS) to Spain’s capital will solely set you again 32,000 Avios in off-peak blue-class economic system, 59,000 factors in off-peak premium economic system or 81,000 factors in off-peak enterprise class while you switch your Chase factors to Membership Iberia Plus (previously generally known as Iberia Plus). Contemplating that almost all airways cost no less than 60,000 miles for a one-way business-class award to Europe, you are basically getting a 50% low cost.
- Quick-haul flights to Canada: Air Canada’s Aeroplan program now makes use of dynamic pricing for Air Canada flights and a few companion airways. Consequently, you’ll be able to usually discover super-cheap short-haul tickets from the U.S. to Canada. For instance, a flight from JFK to Toronto Pearson Airport (YYZ) will be booked for below 6,000 factors one-way on many dates.
E book through Chase Journey
You may ebook via Chase Journey and redeem factors for aircraft tickets, lodge stays, rental automobiles, cruises or experiences at a set money worth per level.
As a Chase Sapphire Most popular or Ink Enterprise Most popular cardholder, you’ll be able to redeem factors via Chase Journey for 1.25 cents apiece. When you have the Chase Sapphire Reserve, your factors are price 1.5 cents every towards journey redemptions within the portal. As a reminder, the elevated redemption charges for the Sapphire Reserve and Sapphire Most popular are solely till Oct. 26, 2027.
Nonetheless, as famous beforehand, you probably have a number of playing cards incomes Chase Final Rewards factors, you’ll be able to mix your factors into the account with the best worth for Final Rewards bookings. For instance, your rewards earned with the Chase Freedom Flex will be moved to your Ink Enterprise Most popular account, thus growing their worth from 1 to 1.25 cents apiece. This can be a beneficiant provide from a bank card program.
If you’ll find cheap airfare through Chase Journey, utilizing your factors for these flights could make sense to avoid wasting money. Plus, within the eyes of the airline, tickets booked this manner are basically the identical as paid fares, which means you may nonetheless earn airline miles and elite standing credit.
Within the case beneath, spending 2,973 Final Rewards factors from a Sapphire Reserve account to fly from Newark Liberty Worldwide Airport (EWR) to Fort Lauderdale-Hollywood Worldwide Airport (FLL) is not too shabby.
You may additionally think about the journey portal possibility if you happen to solely have a handful of Final Rewards factors left, since Chase permits you to redeem factors to cowl even only a portion of the journey price. You’ll then pay the remaining stability with money.
Lastly, it is a first rate possibility for automotive leases, non-chain lodging and when money charges make spending factors via switch companions a nasty worth. The lodge choices are fairly different, starting from distinctive unbiased properties to chain motels. Remember that if you happen to ebook a lodge that participates in a serious loyalty program via Chase, you probably will not earn lodge factors or be capable of reap the benefits of any elite standing perks.
Nonetheless, The Edit by Chase Journey now permits you to earn lodge factors and elite advantages at choose properties. This lets you double dip, incomes rewards via the lodge program and bonus Chase Final Rewards factors. Plus, reserving via The Edit offers you entry to extra perks like complimentary breakfast, room upgrades, late checkout and an as much as $100 property credit score.
Take pleasure in fixed-value, non-travel redemptions
You may redeem Chase Final Rewards factors for a press release credit score or financial institution deposit at a flat charge of 1 cent every. This charge additionally applies to reward playing cards and Apple merchandise (exterior of a limited-time particular).
Nonetheless, with Chase Pay Your self Again, you’ll be able to redeem factors for money again at a charge of 1 to 1.5 cents every, relying in your card. This redemption charge is legitimate on assertion credit towards rotating buy classes. Make sure you try our article on the present Chase Pay Your self Again classes.
Lastly, you’ll be able to hyperlink your eligible Chase playing cards to your Amazon account and pay for purchases with the Store with Factors program. Nonetheless, you’ll solely obtain a price of round 0.8 cents per Final Rewards level, so we do not advocate this redemption.
You will typically get a lot better worth out of Chase’s bank card rewards with this system’s switch companions and Chase Journey bookings.
Backside line
Chase Final Rewards is one in all our favourite bank card rewards applications at TPG. It means that you can earn bonus factors on many on a regular basis spending classes — like airfare, motels, eating and groceries — and select from a variety of redemption choices.
For extra inspiration, try a few of our favourite Chase Sapphire Most popular redemptions and high methods to redeem Chase factors for lodge stays.
