Chase Ultimate Rewards is one of the most popular rewards points systems allowing you great flexibility on how you want to spend your points.
The three cards allow you to maximize your point value and transfer points to airline and hotel points programs:
Chase also offers four no-annual-fee credit cards that earn Ultimate Rewards points, but you will need one of the above cards to unlock airline and hotel transfers:
- Chase Freedom Unlimited®
- Chase Freedom Flex℠
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
Below is what you need to know about these seven Chase Ultimate Rewards cards:
Chase Sapphire Preferred® Card
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- 5x Points on Travel Booked Via Chase
- 3x Points on Dining and Eligible Delivery Services
- 2x Points on All Other Travel Purchases
- 10% Anniversary Points Boost
- Trip Delay and Trip Cancellation Insurance
- Primary Rental Car Insurance
- $95 Annual Fee
The Chase Sapphire Preferred® Card (review) is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses.
For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases.
Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit.
Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans.
Chase Sapphire Reserve®
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- $300 Annual Travel Credit
- 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
- 3x Points on Dining, Takeout, & Eligible Food Delivery
- 50% More Redemption Value
- Priority Pass Airport Lounge Access
- Trip Delay and Trip Cancellation Insurance
- Primary Rental Car Insurance
- $550 Annual Fee
The Chase Sapphire Reserve® (review) is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.
The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.
Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.
Cardmembers also earn extra points with:
- 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards.
- 3x points on travel.
- 3x points on dining, and food delivery purchases.
- 1x points everywhere else.
One thing to remember is that you won’t earn points on your first $300 in travel purchases each cardmember year since the $300 travel credit covers those purchases.
You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.
Ink Business Preferred® Credit Card
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- 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
- 25% Additional Points Value in Travel Redemption
- Primary Rental Car Insurance
- Trip Cancellation/Interruption Insurance
- Cell Phone Protection
- Purchase Protection and Extended Warranty
- No Foreign Transaction Fees
- $95 Annual Fee
The Ink Business Preferred® Credit Card (review) is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.
With this card, you’ll earn:
- 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
- 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.
Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:
- Primary rental car insurance (when renting for business purposes).
- Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
- Purchase and extended warranty protection.
Ink Business Unlimited® Credit Card
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The Chase Freedom Unlimited® (review) is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.
The card also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.
Ink Business Unlimited® Credit Card
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- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The Ink Business Unlimited® Credit Card (review) is a valuable no-annual fee option for entrepreneurs and small business owners looking for simplicity and value.
This card offers a straightforward rewards structure, with 1.5% cash back on all purchases, making it easy for you to keep track of your rewards.
It also pairs well with the Chase Sapphire Preferred® Card (review) or Chase Sapphire Reserve® (review), which unlocks the ability to convert the Ink Business Unlimited cash back to airline or hotel points from any of Chase’s transfer partners.
This combo allows you to effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.
Chase Freedom Flex℠
- Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months
- 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
- 5% Cash Back on Travel Purchased Via Chase
- 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
- Cell Phone Insurance and Purchase Protection
- No Annual Fee
The Chase Freedom Flex℠ (review) is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.
The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.
The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.
Ink Business Cash® Credit Card
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- 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
- 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The Ink Business Cash® Credit Card (review) is a no annual fee card offering:
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- 1% cash back on all other purchases.
The card also offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.
