How to Use My Chase Points
Chase points can be redeemed for travel, cash back, merchandise, gift cards, and statement credits, but the value you get depends heavily on where and how you redeem them. The Chase Ultimate Rewards portal offers a straightforward way to use points, though transferring to airline and hotel partners usually unlocks the highest value per point.
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Redeeming Through the Chase Ultimate Rewards Portal
The simplest way to use points is directly through the Chase portal. You can book travel, pay for shopping purchases, or apply points toward your credit card statement. Travel booked through the portal typically earns 1.25 cents per point, while shopping redemptions offer around 1 cent per point. Statement credits through the portal generally yield about 1 cent per point as well.
Transferring to Airline and Hotel Partners
For maximum value, transfer Chase points to airline and hotel loyalty programs. Transfer ratios vary by partner, but many offer 1:1 transfers. Partners include United MileagePlus, Southwest Rapid Rewards, British Airways Executive Club, and Hyatt. Booking award flights or hotel stays through partner programs can yield 2 to 5 cents per point or more, depending on the route and redemption timing.
Using Points for Shopping and Gift Cards
The Chase shopping portal lets you earn and redeem points on eligible purchases. You can also redeem points for gift cards from popular retailers. These options tend to offer lower value per point than travel, but they provide flexibility if you are not planning a trip.
Comparing Redemption Values
| Redemption Method | Approximate Value Per Point | Best For |
|---|---|---|
| Travel via portal | 1.25 cents | Convenience, no transfer needed |
| Transfer to partners | 2–5+ cents | Maximizing point value |
| Statement credit | ~1 cent | Simple cash-equivalent use |
| Gift cards / shopping | ~1 cent | Flexible, non-travel use |
Tips to Get More From Your Points
- Always compare the portal price with what you would pay out of pocket before booking.
- Check partner award availability early, especially for peak travel dates.
- Combine points with cash when a transfer does not make sense for a specific trip.
- Use the Chase app or website to monitor point balances and track transfer partners.