22 Awesome Ways To Redeem The 100,000+ Chase Ultimate Rewards Points You Can Earn For Opening Just One Credit Card!

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Why this credit card offer is truly incredible:

The massive 100,000 point bonus on the Chase Sapphire Preferred Card is unprecedented.

While some cards have mega bonuses, there are typically caveats attached such as:

  • Points that are locked down to one airline, where they can be devalued without notice.
  • A high annual fee.
  • A high spending threshold to earn those points.

What makes this offer unique is that:

  • You earn Chase Ultimate Rewards points, which are the most valuable and versatile points around. You can cash them out, pay yourself back, use them for paid travel, or transfer them into valuable airline miles and hotel points.
  • The annual fee is just $95, a bargain compared to the value of the signup bonus and a fraction of the cost of ultra-premium cards.
  • You only need to spend $4,000 in 3 months, a fraction of the spending required for some mega bonuses.

That’s what makes this card offer so compelling.

When you’re done spending $4,000 you’ll have between 104K-120K points depending on your spending categories.

If you and your spouse each signup you can quickly have double that.

You can also apply on the same day as other card offers like the offers available on United, Southwest, or Chase Ink cards and typically you’ll have just one credit pull.

What can you do with the minimum 104K points you’ll have after opening a Sapphire Preferred and meeting the spending threshold?

There are endless possibilities, but here are 22 in no particular order:

(Point transfers from Chase to all airline and hotel partners are at a 1:1 ratio.)


You can redeem 104K points for $1,040 in cash

I hope you don’t, but the option is available if you just want to take the cash and run.


You can use 104K points with “Pay Yourself Back” to reimburse yourself for at least $1,300 (or $1,560) of restaurant, grocery, or home improvement purchases

Pay Yourself Back is now a permanent feature of the Ultimate Rewards program and it’s a great option to have.

With Chase Sapphire Preferred you can offset your purchases at a value of 1.25 cents each and with Chase Sapphire Reserve you can offset your purchases at a value of 1.5 cents each.

If you transfer points earned on a Sapphire Preferred to a spouse’s Sapphire Reserve or if you upgrade to a Sapphire Reserve down the line, then those points will be worth 1.5 cents each.

Or course you can still spend on cards like Freedom Flex or Ink Cash to earn 5 points per dollar and then transfer them to Sapphire Preferred or Sapphire Reserve to make them worth 1.25-1.5 cents each.

A great feature of the program is that you keep the original points that the purchase earned, even though you paid yourself back for the purchase. That means your points will be worth more than 1.25 or 1.5 cents each!

In other words, if you spend $300 on dining on Sapphire Preferred, you can use 24,000 points to offset that purchase and make it free. Plus, you’ll still earn the 600 points for groceries or dining, so you effectively used 23,400 points to offset the purchase. That means your points were actually worth 1.28 cents each!

If you spend $300 on dining on Sapphire Reserve, you can use 20,000 points to offset that purchase and make it free. Plus, you’ll still earn the 900 points for groceries or dining, so you effectively used 19,100 points to offset the purchase. That means your points were actually worth 1.57 cents each!


You can use 104K points to book $1,300 (or $1,560) of travel

With Chase Sapphire Preferred you can book travel at a value of 1.25 cents each and with Chase Sapphire Reserve you can book travel at a value of 1.5 cents each.

You can book airfare, hotels, car rentals, or travel activities redeemed via the Chase travel portal at a value of 1.25-1.5 cents per point.

You can save tons of miles this way when redeeming for inexpensive coach flights.

For example if you want to fly from Newark to Fort Lauderdale on July 6th you can pay $78.40 for basic economy, $103.40 for standard economy, or $267.40 for first class.

If you have a United card, you can book a flight for 9.2K miles+$5.60 in standard economy or 29.1K+$5.60 miles in first class. United doesn’t have basic economy awards.

 

If you don’t have a United card, you can book a flight for 17.4K miles+$5.60 in standard economy or 29.1K+$5.60 miles in first class:

If you have Chase Ultimate Rewards points with a Sapphire Preferred the flight would cost 6,272 points in basic economy, 8,272 in standard economy, or 21,392 points in business class. You would also earn miles for the flight and not owe any taxes.

If you have Chase Ultimate Rewards points with a Sapphire Reserve the flight would cost 5,226 points in basic economy, 6,893 in standard economy, or 17,826 points in business class. You would also earn miles for the flight and not owe any taxes.

 

By comparing the rates charged in the Chase portal and directly when using airline miles you can decide which option is the most valuable.


You can transfer points to United to book 8 long-haul domestic one-way awards (12.5K each)

A flight from Cleveland to LA in basic economy is $278.40 and in standard economy is $318.40:

 

A standard economy ticket booked directly with Chase Sapphire Preferred points would run 25,472 points or with Chase Sapphire Reserve points would run 21,266 points.

Alternatively, you can transfer 12.5K points to United for that ticket, plus awards booked with United miles can be cancelled or changed for free!

 

That’s a value of more than 2.5 cents per point, which would make your 104K points worth more than $2,600!


You can transfer to British Airways for 17 one-way international short-haul zone 1 awards (6K each) or 13 domestic zone 1 short-haul awards (7.5K each)

You can fly short hauls like London-Milan, Hong Kong to Taiwan, Melbourne to Sydney, and between most cities within Europe for 6K Avios.

You can fly between New York and short-haul routes like Boston, Cleveland, Detroit, Montreal, Pittsburgh, or Toronto, or between Miami and the Bahamas or Cancun on OneWorld partners Alaska or American for 7.5K Avios. Plus you can cancel awards and get back your miles for just the cost of the taxes paid, which is $5.60 for domestic one-way flights.

ZoneFlight DistanceCoachBusinessFirst
1 (Flights that don't touch the USA)1-6506,00012,50024,000
1 (Flights to, from, or within the USA)1-6507,50015,00030,000
2651-1,1519,00016,50033,000
31,152-2,00011,00022,00044,000
42,001-3,00013,00038,75051,500
53,001-4,00020,75062,00082,500
64,001-5,50025,75077,250103,000
75,501-6,50031,00092,750123,750
86,501-7,00036,250108,250144,250
97,001+51,500154,500206,000

 

With close-in flights like that costing about $250 one-way, you can get a value of 3.3 cents per point, which would make your 104K points worth more than $3,400!

 


You can transfer to British Airways for 6 one-way domestic lie-flat first class zone 2 awards between NYC and Miami (16.5K each)

American flies 777s with lie flat first class seats between NYC and Miami.

Sure, you can redeem 9K Avios in coach, but for 16.5K Avios, you can fly in lie-flat first class seats with 2 free checked bags while sipping free Woodford Reserve and premium snacks:

 

These flights sell for about $400 one-way, giving you a value of more than 2.4 cents per point, which would make your 104K points worth more than $2,500!


You can transfer points to Virgin Atlantic for an ANA First Class Suite To Japan

Redeeming Virgin Atlantic miles for ANA business class or first class suites is one of the biggest bargains in travel.

I reviewed the old suite here towards the end of the 4th part of my Island Hopper adventure.

 

ANA Scotch offering from Tokyo to JFK, May 2015

 

You only need 55K Virgin Atlantic miles to fly one-way between the US west coast and Japan or 60K miles to fly one-way between the US east coast and Japan in first class.

Below is the round-trip award chart, but you can now use half the miles listed to fly one-way:

Unfortunately, you do need to call Virgin Atlantic to book travel on ANA at 800-365-9500. You can search for ANA award space on United.com.

You can fly in ANA first class to Tokyo/Narita from Chicago, Houston, JFK, Los Angeles, San Francisco, or Washington DC.

You can fly in ANA first class to Tokyo/Haneda from Chicago, JFK, or Los Angeles.

ANA is rolling out new first class suites and business class suites that look amazing!

New ANA First, with a 43″ 4K LED, a door for privacy, multiple windows, and more:

The middle seats have a partition for privacy that goes up and down so that companions can talk to each other:


New ANA business:

 

Business class is staggered with forward and rear facing seats that also have privacy doors and middle partitions that go up and down:


You can transfer to Singapore for 4 one-way flights on United in domestic first class

Singapore charges 23K miles each way for domestic business or first class on United, versus the 25-35K that United charges for a saver award.


You can transfer to Singapore for a suite between JFK and Frankfurt

You can fly in Singapore suites class from JFK to Frankfurt for 86K miles one-way. This is truly an aspirational award and Singapore service is second to none. If you and a spouse open a Sapphire Preferred you would have more than enough miles to get a couples suite!

You’ll even have access to the Virgin Clubhouse in JFK with good kosher meals as well.

You can read my trip report on flying Singapore to Paris here.

These flights sell for about $7,000 one-way, giving you a value of more than 8.1 cents per point, which would make your 104K points worth more than $8,400!

 


Fly In Emirates First Class Shower Suites

Emirates will soon only release first class award space with their own miles. You can transfer Chase points to Emirates to book a flight you’ll never forget.

Emirates has even opened their own kosher kitchen in Dubai to provide higher quality kosher meals!

Emirates A380 first class is affectionately known as “Shower Class.” Sure, you get your own walled-in suite and access to the onboard bar…

#Bedtime from #Emirates #ShowerClass #Suite

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But it’s the onboard shower that sets it apart. My review of the experience can be found here.

#Emirates #A380 #ShowerSpa #HeavenOfTheSkies

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A one-way first class award from NYC to Milan/Athens is 85K miles or from JFK to Dubai is 136,250 miles.


You can transfer miles to Singapore for a business class seat on the longest flight in the world

Singapore Airlines flies the longest commercial flight in the world from Newark to Singapore. The 9,534 mile flight takes a whopping 18.5 hours to fly!

For 99K miles you can book a seat in business class, which is their highest cabin on this route.

In 2013 I redeemed 60K United miles to fly business class from Cleveland-Newark-Singapore-Maldives. Back then the flight was operated by an A340-500 with 100 business class seats. There were no other classes of service on the flight back then. It was an excellent way to get to the Maldives.

What did I think of the 19 hour flight?

You can read the trip report here, but in short, I loved it.

Business class seat from Newark-Singapore, February 2013:

The problem with flights to Europe in premium cabins is that there’s not enough time to enjoy a meal and still get a good night’s sleep.

On this flight there was plenty of time for me to eat, drink some wine and scotch, surf the web, watch Argo, get a full night’s sleep, eat again, watch Lincoln, and then land in Singapore.

In fact Singapore served 3 separate kosher meals on the flight. The plane was split into 3 sections and I was one of the only passengers in my section, giving the flight an almost private jet feel.

Business class seat from Newark-Singapore, February 2013:

I emailed Singapore inquiring if they can get kosher wine on the flight and they fulfilled the request and got kosher wine for me!

I’ve flown Singapore in economy, business, and suites class and the service has always been impeccable. The flight attendants seem to know exactly when to bring you another glass of seltzer and when to leave you alone. It’s my favorite airline to fly in any class of service.

I had ordered Sesame Chicken from New Kosher Special with free delivery to Newark Airport and the flight attendants were happy to store it for me in a fridge and warm it up double-wrapped (BYOK FTW!).

 

The sign of a great flight is when you’re sad to have it end. And even after a 19 hour flight, I was sad to have to deplane. Though I sure enjoyed the showers in the Singapore lounge.


You can transfer miles to British Airways for 8 one-way nonstop flights from the West Coast to any Hawaiian Island

You can fly from the west coast nonstop to Hawaii on AA or Alaska for just 13K Avios each way.

 


You can transfer points to Hyatt for incredible hotel values

While other brands have devalued their points endlessly, Hyatt has retained a valuable point structure.

That means a hotel that goes for $2,000 a night can be had for 30K Hyatt points, as opposed to say 150,000 Hilton points. That’s a potential value of over 6.6 cents per point, which would make your 104K points worth more than $6,900!

Best of all, when you redeem Hyatt points you don’t have to pay any hotel resort fees or taxes!

If you have a Chase World Of Hyatt Card there are often rebates on award stays, which can make your points even more valuable.

Where can you stay?

You’ll need 40K points for a category 8 SLH hotel like the Norman Tel Aviv. View category 8 hotels here.

You’ll need 30K points for category 7 hotels like a Park Hyatt ParisSydneyTokyo, Maldives, or New York or the Andaz Maui, where paid rates can cost up to $1,500/night. It’s also valid for SLH hotels like the Ventana Big Sur, which is all-inclusive and will even buy you 3 kosher meals a day from the local Chabad House! Other SLH hotels include the Alila Villas Uluwatu in Bali, where rooms have a private pool, or the Ca’ Sagredo Hotel in Venice, which is just half a mile from Gam Gam and Chabad of Venice, where there are delicious meals to be had on weekdays and Shabbos. View category 7 hotels here.

You’ll need 25K points in a category 6 hotel like the Grand Hyatt KauaiPark Hyatt ChicagoPark Hyatt Vienna, or Andaz 5th Ave, where paid rates can cost up to $1,400/night. View category 6 hotels here.

You’ll need 20K points for a category 5 hotel like the Hyatt Huntington BeachPark Hyatt AviaraHyatt Regency MauiGrand Hyatt Baha Mar BahamasPark Hyatt Buenos AiresAndaz MayakobaPark Hyatt Abu Dhabi, or the Park Hyatt Melbourne, where paid rates can cost up to $800/night. View category 5 hotels here.

You’ll need 15K points in a category 4 hotel like the Park Hyatt TorontoGrand Hyatt Washington DCThe Confidante Miami BeachGrand Hyatt SeattleMGM Grand Las Vegas, Hyatt Regency Boston HarborGrand Hyatt Rio de JaneiroHyatt Regency AmsterdamHyatt Regency Paris ÉtoileHyatt Regency Hong KongGrand Hyatt DubaiGrand Hyatt SeoulGrand Hyatt Melbourne, or the Grand Hyatt Taipei, where paid rates can cost up to $700/night. View category 4 hotels here.

You’ll need 12K points in category 3 hotels like the Hyatt Regency TorontoGrand Hyatt DenverGrand Hyatt AtlantaHyatt Regency PhoenixHyatt Palm SpringsHyatt House Los Angeles/El SegundoHyatt Place LaGuardia AirportHyatt Place Niagara FallsHyatt Place Long Island City / New York CityHyatt House Austin/DowntownHyatt Place Waikiki Beach HonoluluHyatt Regency CasablancaHyatt Regency Tokyo, where paid rates can cost up to $500/night. View category 3 hotels here.

You’ll need 8K points in category 2 hotels like the Hyatt Place Cleveland/Legacy Village (the only hotel within walking distance of the local Jewish community), Hyatt Regency MontrealHyatt House AnchorageHyatt Regency MorristownHyatt Place San Diego/Vista-CarlsbadHyatt Regency Cleveland at The ArcadeHyatt Place Pittsburgh South/Meadows Racetrack & CasinoHyatt House across from Universal Orlando ResortHyatt House Fort Lauderdale Airport & Cruise PortHyatt Regency O’Hare, Park Hyatt Mendoza, Hyatt Regency Johannesburg, or the Hyatt Regency Bali where paid rates can cost up to $400/night. View category 2 hotels here.

You’ll need 5K points in category 1 hotels like the  Hyatt Place Pittsburgh AirportHyatt Place Mt. LaurelHyatt Place Panama City/Downtown, or the Park Hyatt Chennai, where paid rates can cost up to $300/night. View category 1 hotels here.

The Park Hyatt Sydney and Sydney Opera House, as seen from the Sydney Harbour Bridge, January 2011:

 

#ParkHyattParis #HomeAwayFromHome #In #Paris #SoManyGoodMemories

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Always a good day in Maui #MauiNoKaOi

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Redeem for Hyatt suites and premium suites

Hyatt now allows you to redeem points for suites and premium suites online and there are some incredible bargains on amazing suites that normally cost thousands of dollars per night. See this post for sample deals!


Transfer to Southwest points

There are no aspirational awards with Southwest, but you will get a decent value per point towards award travel and as always you get 2 free checked bags.

For example a flight from LaGuardia to Orlando on 11/9 is $68.98 or 4,214 points+$5.60. That’s a value of 1.5 cents per point, but best of all, you can cancel your tickets for free and your points never expire!

A flight from LA to Vegas on 12/5 is $48.98 or 2,671 points+$5.60. That’s a value of 1.62 cents per point.

Southwest also often has free changes where you can change to more expensive dates for free and if prices drop, you can always cancel and rebook.


Transfer points to Singapore and fly round-trip on United between the US48 and Alaska for 25K miles in coach or 46K in business class

United charges 35K miles to get to stunning Alaska in coach and 60K in business. Transfer miles to Singapore and they’ll book those same flights for just 25K or 40K.


Transfer points to Singapore to fly round-trip on United between the US49 and Hawaii for 35K miles in coach or 69K in business class

United charges 45K miles to get to the paradise also known as Hawaii in coach and 80K-100K in business. Transfer miles to Singapore and they’ll book those same flights for just 35K or 69K.

 

View this post on Instagram

 

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Need some inspiration for a Hawaii trip? This should keep you busy for a while:

DansMeals: Hawaii For The Kosher Traveler:

Trip reports and posts on Hawaii:

DDF forum threads:

 


Transfer points to Air France/KLM Flying Blue to book travel to Israel nonstop on Delta for 29K miles each way in coach or 72K miles in business class suites

The Air France/KLM Flying Blue program can book awards on Delta for just 29K miles in coach or 72K miles in business class seats, based on saver award availability:

Business class suites:

 

Coach awards:

 

Delta Suites:

There are also promo awards where you can book travel to/from the US and Europe, Israel, or Russia for as low as 12.5K, though fuel surcharges of about $200 round-trip apply to these awards and they have paused them for COVID.


Transfer points to United to fly to Israel in business class

United charges 75K miles for saver business class awards to Israel. United Polaris has direct aisle access for every business class seat. You can choose from solo seats or seats for people traveling together.

With Saks Fifth Avenue bedding and pillows, a mattress pad, a gel cooled pillow, slippers, and pajamas, you’ll sleep like a king!

United 777-300 Polaris Class

Transfer miles to Air Canada for 17 award flights on United

Air Canada’s new mileage program has a ton of value and starting later this year you will be able to transfer Chase points to Air Canada!

For example, short-haul flights on partner airlines like United cost just 6,000 miles! You can read more about the program here.

 


Transfer to United for the excursionist perk

While American and Delta have eliminated free stopovers, United continues to offer a free excursionist perk as described in this post. Just use the multi-city award search on United.com to piece it together.

A round-trip to 2 Hawaiian Islands is just 45,000 miles round-trip thanks to the free excursionist perk:

 

A round-trip ticket to 2 European or South American cities is just 60,000 miles round-trip thanks to the free excursionist perk:

 

 

A flight to 2 of my favorite cities in Asia, Hong Kong and Chiang Mai, Thailand is 80K miles thanks to the perk:

 

You’re even allowed a free open jaw in addition to the perk to really maximize your travel. For example this itinerary includes travel to London, Paris, and Zurich. You can take a train or use 4.5K BA Avios to get from London to Paris to fill the hole in the open jaw:

 

Of course the free stopover isn’t just useful from the US.

You can stopover in NYC and LA when flying from Tel Aviv to the US:

 

 

If you find yourself in Japan you can fly on the island hopper to 2 cities in Micronesia (I’ve been hankering to get back to Palau since the moment I left) for 30K miles:

 

You can also hack the excursionist perk for even more value.

You can use the multi-city search to book 2 flights within a single region and then you can book a free one-way within any other region sandwiched in between your flights.

For example if you book a round-trip from Cleveland to Chicago for 6,240 miles you can add in a free Excursionist Perk flight anywhere else in the world in between your flights, such as onboard the United Island Hopper from Palau to Kosrae via Guam, Chuuk, and Pohnpei, a flight that costs $598 or 12.5K miles on its own:

Or if you book a one-way flight from Cleveland to Chicago and then Chicago to Kansas City for 6,240 miles you can add in a free Excursionist Perk flight anywhere else in the world in between your flights, such as Johannesburg to the Seychelles, a flight that costs $473 or 19.5K miles on its own.


Bid on United exclusive experiences

United auctions off some incredible experiences with their miles.

Until I tossed the first pitch before game 7 of the 2016 World Series I thought that my coolest use of miles was redeeming 25K United miles to steal 2nd base in middle of the 7th inning.

 

Another reader then bought their son a Bar Mitzvah present that he’ll never forget with their United miles.

And then I bought a piece of a 747-400 with United miles:

 


Other transfer partners:

Chase points can also be transferred to Aer Lingus, Iberia, JetBlue, Marriott, and IHG. 


What is your favorite use of Chase Ultimate Rewards points? Will you signup for the Chase Sapphire Preferred Card? 

Leave a Reply

53 Comments On "22 Awesome Ways To Redeem The 100,000+ Chase Ultimate Rewards Points You Can Earn For Opening Just One Credit Card!"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

Bentzi

I have been trying for months but I haven’t been able to book any flights on American using Avios for the price you said above. What is the trick?

SrulyM

I booked a hotel on the Chase travel portal then happened to check on Hilton website and saw same room for $10 cheaper per night.

Oliver

Great article – should be part of the “best of dans deals”

Dave

Can one submit his 2021 income on application?

Chana

Is sending money through Zelle for rent costs considered a purchase? Thanks!

As

Do you need to have an account with all these other airlines in order to transfer points there? Are there fees for those accounts?

Burt

You need an account for whichever airline your transferring points into. No fee.

Me

Trying to figure out if I am understanding this correctly or am I missing something. Because you can now use points to pay back other things with the bonus is there any reason to save for travel? Seems like make sense to use to pay for what ever you can instead of saving for travel specifically. Am I missing something or is there an advantage to saving to use points for travel? Thanks.

Netlevy

@dan
I signed up for the sapphire preferred through your link and got approved BH
I then read that if I apply for the United card same day I would have only one credit pull so I took the chance and applied and my application is under review
What do you suggest I should do in that case? Call?
Who do I call please?

Joetraveller

Must you fly the second leg of the round trip to qualify for the excursionist perk?

Eitan

I was also recently approved for the Preferred card with the 100,000 point bonus, through Dan’s link of course. I’m planning a trip from TLV-SFO for early next year for my entire family – trying to figure out the best way to use the points for that trip. United direct to SFO or should I try other avenues as well? I saw in this post the option of using Flying Blue miles for a Delta flight. Trip includes multiple young children.

Eitan

I’ve been researching flights through the Chase travel portal, and I noticed that they don’t allow booking a flight for more than 6 passengers. My wife and I will be flying with six children B”H, and I don’t see how I am able to make a reservation for eight passengers through Chase. On united.com it’s possible, but a roundtrip ticket there on the same dates is 97,900 miles, while on Chase it’s around 66,000 points for the roundtrip. Does anyone have any information/suggestions for me?

Max

Does Hyatt still waive resort fee on award nights?

Daniel

Thank you again Dan. I didn’t think about hotels on points, until this post

Max

Thanks for the reply! Is the fee waived automatically or do I need to request for it?
Because in the confirmation email it says I will be responsible for a resort fee per night

Aa

Currently SQ is flying the planes with the new first suites(as pictured in your post) between nyc and fra?
Also availability is basically non existent…

URIEL

Im looking to book MIA TO LONDON with miles, I checked flying blue but its expensive because of the surcharge. What do you recommend booking through for the cheapest ticket with miles?

J

Great post.
How do you book non-stop delta flight with flying blue miles? Can you do it through the delta website? Or do you need to call flying blue customer service? or other…
Thanks

Yossi

Thanks for the post.
How do I book the United flights to Alaska using Singapore points? I tried searching on their site and they don’t have Anchorage as a destination option.

Gaby

@dan what is your favorite use of chase points?
And which of these do you get the best value?

annonymous

how do you transfer from chase to hyatt?

reuven

what is the link to signup for the card

jed

im looking to take my fam to uk for sukkos. i have 200k sapphire preferred points. aer lingus has the best prices but i cannot book a flight with them thru the chase travel program. does it make sense for me to transfer them to avios on a 1:1 scale?

myi

Is there a time frame from when removing an existing card from my account to be able to add new card to make the transfer to another card?

You seem to say you can make the transfer but you can see here there’s no such option.

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