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Updated 2022-10-20T20:24:03Z
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while you're on the go. Many Chase credit cards, such as the Chase Freedom Flex℠ and the Ink Business Cash® Credit Card, are marketed as
cash-back credit cards. Their potential return rates are high, as well — up to 5% cash back — making them very enticing for just about anyone. But these cards are even better than Chase makes them sound: They actually
earn Chase Ultimate Rewards® points which you can redeem for cash back at 1 cent per point. In other words, these cards actually earn up to 5 Chase points per dollar. Chase points are more valuable than cash back because you can transfer them to airline and hotel partners for huge value — but only if you have certain cards. Insider's Featured Rewards Credit Cards
Wells Fargo Autograph℠ Card Citi
Premier® Card Chase Sapphire Preferred® Card Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases. Limited time offer of 30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening (offer expires 01/10/2023) Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else. 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Insider's valuations estimate that Chase points are worth an average of 1.8 cents each when you transfer them to Chase's airline and hotel partners. That means earning 5 points per dollar is tantamount to earning 9% back in travel. To unlock this ability, however, you'll need to have one of the following cards:
By simply transferring the rewards you earn with Chase's "cash back" cards to one of the above cards, you'll instantly unlock the ability to transfer your points to airlines and hotels. It's as easy as transferring money between a savings account and a checking account. Here's a step-by-step look at how to transfer Chase points between credit cards. Transfer Chase points between these credit cardsIntro offer $200 after spending $500 on purchases in the first three months from account opening Rewards 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. Intro offer $200 after spending $500 on purchases in the first three months from account opening Rewards 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. Chase Freedom Flex℠DetailsRewards 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. Intro offer $200 after spending $500 on purchases in the first three months from account opening Recommended Credit Good to Excellent Regular APR 17.99% - 26.74% Variable Intro APR 0% intro APR on purchases and balance transfers for the first 15 months Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No annual fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Generous bonus cash-back categories Check mark iconA check mark. It indicates a confirmation of your intended interaction. Great welcome bonus Dash iconA dash. It often indicates an interaction to shrink a section. Booking through Chase Ultimate Rewards portal can restrict outside earning potential Dash iconA dash. It often indicates an interaction to shrink a section. Varying percentages and rotating calendar categories require extra attention Dash iconA dash. It often indicates an interaction to shrink a section. 3% foreign transaction fees HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Intro offer 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back) Rewards Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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. Intro offer 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back) Rewards Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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. Chase Freedom Unlimited®DetailsRewards Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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. Intro offer 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back) Recommended Credit Good to Excellent Regular APR 17.99% - 26.74% Variable Intro APR 0% intro APR on purchases and balance transfers for the first 15 months Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Solid flat cash-back rate Check mark iconA check mark. It indicates a confirmation of your intended interaction. You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card Check mark iconA check mark. It indicates a confirmation of your intended interaction. No annual fee Dash iconA dash. It often indicates an interaction to shrink a section. Some other cards offer a higher rate of cash back on certain types of purchases HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Chase Sapphire Preferred® Card Intro offer 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else. Chase Sapphire Preferred® Card Intro offer 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else. Chase Sapphire Preferred® CardDetailsRewards Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else. Intro offer 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Recommended Credit Good to Excellent Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. Show more Regular APR 18.99% - 25.99% Variable Editor's Rating 4.8/5 Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points Check mark iconA check mark. It indicates a confirmation of your intended interaction. Strong travel coverage Dash iconA dash. It often indicates an interaction to shrink a section. Doesn't offer a Global Entry/TSA PreCheck application fee credit HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Intro offer 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. Intro offer 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. Chase Sapphire Reserve®DetailsRewards Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. Intro offer 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Recommended Credit Good to Excellent Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. Show more Regular APR 19.99% - 26.99% Variable Editor's Rating 4.65/5 Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark iconA check mark. It indicates a confirmation of your intended interaction. Strong travel insurance Check mark iconA check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining Dash iconA dash. It often indicates an interaction to shrink a section. Very high annual fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Ink Business Cash® Credit Card Intro offer $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening Rewards Earn 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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. Ink Business Cash® Credit Card Intro offer $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening Rewards Earn 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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. Ink Business Cash® Credit CardDetailsRewards Earn 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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. Intro offer $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening Recommended Credit Good to Excellent Regular APR 16.24% - 22.24% Variable Intro APR 0% intro APR on purchases for 12 months from account opening Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants) Check mark iconA check mark. It indicates a confirmation of your intended interaction. Intro APR offer for purchases Check mark iconA check mark. It indicates a confirmation of your intended interaction. No annual fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel Dash iconA dash. It often indicates an interaction to shrink a section. Annual cap on bonus categories HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Ink Business Preferred® Credit Card Intro offer 100,000 points after spending $15,000 on purchases in the first 3 months from account opening Rewards Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases. Ink Business Preferred® Credit Card Intro offer 100,000 points after spending $15,000 on purchases in the first 3 months from account opening Rewards Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases. Ink Business Preferred® Credit CardDetailsRewards Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases. Intro offer 100,000 points after spending $15,000 on purchases in the first 3 months from account opening Recommended Credit Good to Excellent Regular APR 18.99% - 23.99% Variable Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. High sign-up bonus Check mark iconA check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases Check mark iconA check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage Dash iconA dash. It often indicates an interaction to shrink a section. Welcome bonus has a very high minimum spending requirement HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Chase Freedom® Student credit card Intro offer $50 Bonus after first purchase made within the first 3 months from account opening Rewards Earn 1% cash back on all purchases Chase Freedom® Student credit card Intro offer $50 Bonus after first purchase made within the first 3 months from account opening Rewards Earn 1% cash back on all purchases Chase Freedom® Student credit cardDetailsRewards Earn 1% cash back on all purchases Intro offer $50 Bonus after first purchase made within the first 3 months from account opening Recommended Credit Good to Excellent Regular APR 17.99% Variable Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $20 Good Standing rewards (2,000 points) after each account anniversary year for the first five years Check mark iconA check mark. It indicates a confirmation of your intended interaction. Potential to earn a credit limit increase after making on-time payments Check mark iconA check mark. It indicates a confirmation of your intended interaction. Solid benefits for a no-annual-fee student card, including purchase protection, extended warranty, and trip cancellation/interruption insurance Dash iconA dash. It often indicates an interaction to shrink a section. Only earns 1% cash back on most purchases Dash iconA dash. It often indicates an interaction to shrink a section. Foreign transaction fees Dash iconA dash. It often indicates an interaction to shrink a section. Some student cards offer a higher welcome bonus HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.How to transfer Chase Ultimate Rewards points between cards1. Log into the Chase Ultimate Rewards portalYou can either head directly to the Chase Ultimate Rewards portal or navigate there from your account page. Just log into your Chase account and click on a Chase Ultimate Rewards earning credit card. Then look for the "Redeem" link with the amount of Chase points the card holds. ChaseStep 2. Choose your Chase cardYou'll now see a list of all your Chase Ultimate Rewards-accruing credit cards. You'll be brought to the Ultimate Rewards dashboard of whichever card you select. Choose any card. You don't have to view the account of the card with the points you want to transfer. ChaseStep 3. Click "Combine Points"We're now looking at the Chase Freedom Unlimited®'s Ultimate Rewards landing page. Click the "Earn/Use" button near the top left corner of the page to view a drop-down menu. Click on the last button labeled "Combine Points." ChaseStep 4. Combine your pointsYou can now see all your Ultimate Rewards credit cards on the screen. Simply choose the card that's got the points you want to transfer and then the card which will be the destination of your points. We'll move the 74 points from the Chase Freedom Unlimited® to the Chase Sapphire Preferred® Card. This will instantly unlock the ability to transfer those 74 points to airline and hotel partners. ChaseStep 5. Specify the number of points you want to transferYou don't have to transfer all of your points — you can choose any amount. Enter the number of points you want to transfer, and then click "Review." The site will ask you one more time if you're sure you want to convert your points, and will then process your request. ChaseStep 6. View the confirmation screenChase will confirm your transfer. If you change your mind for some reason and want to transfer the points back, you can do so at any time. You can freely transfer points between Ultimate Rewards accounts. It's worth noting that this is not the case when transferring Chase points to airline and hotel programs. Once you transfer your points to a travel partner, you cannot transfer them back to Chase. They're gone forever. ChaseChase points transfers between credit cards frequently asked questions (FAQ)Unless you have no travel aspirations, it's absolutely worth transferring your points from a no-annual-fee Chase Ultimate Rewards points-earning card to one with an annual fee. This will give you the ability to transfer your points to loyalty programs like Hyatt, United Airlines, Southwest, Singapore Airlines, and many more. Again, Insider estimates the average value of Chase points when redeemed this way is 1.8 cents — far more than the 1 cent you'll receive when redeeming for cash. You can transfer Chase points to the credit card of one person in your household. If you've linked the person to your account, their card should appear as a destination on the transfer points page. You can transfer points to the airline or hotel loyalty program of one authorized user in your household. In the top menu of your Chase Ultimate Rewards account is a button that says "Transfer to Travel Partners." This will only appear on the account of an annual fee-incurring card such as the Chase Sapphire Preferred® Card. You'll find a list of all of Chase's transfer partners. After you input your loyalty number and link your airline or hotel account with the Chase Travel Portal, you'll be able to transfer your points.
Joseph Hostetler, CEPF Credit cards reporter Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF). Joseph has more than five years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets. You can reach Joseph at . Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services » Read more Read less Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. **Enrollment required. Related articlesMore... Can I transfer Chase Sapphire points?You can easily transfer points between your Ultimate Rewards card accounts or to someone in your household with an Ultimate Rewards card. For instance, you can transfer your Freedom rewards to your Sapphire Preferred card or to your partner's Sapphire Reserve.
Can I transfer points from one Chase card to another?“You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household.
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