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Table of Contents
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.
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.
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
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.
|1 (Flights that don't touch the USA)||1-650||6,000||12,500||24,000|
|1 (Flights to, from, or within the USA)||1-650||7,500||15,000||30,000|
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.
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.
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.
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:
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.
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…
But it’s the onboard shower that sets it apart. My review of the experience can be found here.
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 30K points for category 7 hotels like a Park Hyatt Paris, Sydney, Tokyo, 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 Kauai, Park Hyatt Chicago, Park 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 Beach, Park Hyatt Aviara, Hyatt Regency Maui, Grand Hyatt Baha Mar Bahamas, Park Hyatt Buenos Aires, Andaz Mayakoba, Park 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 Toronto, Grand Hyatt Washington DC, The Confidante Miami Beach, Grand Hyatt Seattle, MGM Grand Las Vegas, Hyatt Regency Boston Harbor, Grand Hyatt Rio de Janeiro, Hyatt Regency Amsterdam, Hyatt Regency Paris Étoile, Hyatt Regency Hong Kong, Grand Hyatt Dubai, Grand Hyatt Seoul, Grand 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 Toronto, Grand Hyatt Denver, Grand Hyatt Atlanta, Hyatt Regency Phoenix, Hyatt Palm Springs, Hyatt House Los Angeles/El Segundo, Hyatt Place LaGuardia Airport, Hyatt Place Niagara Falls, Hyatt Place Long Island City / New York City, Hyatt House Austin/Downtown, Hyatt Place Waikiki Beach Honolulu, Hyatt Regency Casablanca, Hyatt 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 Montreal, Hyatt House Anchorage, Hyatt Regency Morristown, Hyatt Place San Diego/Vista-Carlsbad, Hyatt Regency Cleveland at The Arcade, Hyatt Place Pittsburgh South/Meadows Racetrack & Casino, Hyatt House across from Universal Orlando Resort, Hyatt House Fort Lauderdale Airport & Cruise Port, Hyatt 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 Airport, Hyatt Place Mt. Laurel, Hyatt 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:
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
Need some inspiration for a Hawaii trip? This should keep you busy for a while:
DansMeals: Hawaii For The Kosher Traveler:
- Part 1: General Info And The Island Of Oahu
- Part 2: The Big Island of Hawaii
- Part 3: Maui
- Part 4: Kauai
Trip reports and posts on Hawaii:
- Trip Notes: The Final United 747 Flight And 2 Days In Maui (2018)
- Trip Notes: Maui No Ka ‘Oi (2014)
- Trip Notes Kauai: Heaven On Earth (2014)
- The Hawaiian Islands (2011)
- Traveling To Hawaii…With A 5 Month Old (2011)
- View From The Room (2011)
- Pearl Harbor…70 Years (2011)
- Shaloha! (2011)
- Hawaii Trip Notes: Kauai (2009)
- Hawaii Trip Notes: Oahu (2009)
DDF forum threads:
- Hawaii Master Thread: General Questions And Which Island To Visit?
- Big Island Of Hawaii Master Thread
- Kauai Master Thread
- Lanai, Molokai, and Niihau, Hawaii Master Thread
- Maui Master Thread
- Oahu Master Thread
- Links to trip reports from other DDF members.
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:
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!
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:
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
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?