How To Redeem Chase Points

Key takeaways

  • Chase Final Rewards factors are thought of particularly useful for a couple of causes, together with the number of obtainable redemption choices.
  • Redemption choices like money again or assertion credit supply a worth of 1 cent per level, whereas sure journey redemptions could be value two cents per level or extra.
  • Sure Chase bank cards supply 25 to 50 p.c extra worth when redeeming factors for journey by Chase, which makes these playing cards particularly enticing.

Once you begin racking up rewards with a Chase bank card, chances are you’ll be inclined to redeem your factors for straightforward choices like money again, Apple merchandise and even present playing cards. Nonetheless, a number of the greatest redemptions obtainable for Chase factors fall inside the journey realm, whether or not meaning utilizing factors within the Chase journey portal or transferring rewards to companions.

For those who’re not precisely certain redeem your Chase factors or which redemptions fetch probably the most worth, this fast information presents some ideas that can assist you get probably the most bang on your buck relating to redemption selections.

How can I redeem my Chase factors?

To redeem your Chase factors, log in to your Chase account — both in your desktop browser or the cell Chase app — and navigate to the Final Rewards portal out of your account. For those who haven’t signed up for an account but, be sure that to do it as quickly as potential so you possibly can really use your rewards.

Once you click on on the hyperlink to the Final Rewards portal, it should launch as a separate dashboard out of your Chase account. As soon as there, you possibly can select from a number of menu choices to redeem factors, together with money again, Chase Eating, present playing cards, Pay Your self Again and extra. When you select your redemption choice, comply with the display prompts to finish the method of redeeming your factors for the chosen award.

When you have a number of Chase accounts that earn Final Rewards factors, select the particular card you need to entry, and also you’ll see what number of factors can be found to redeem. There may be an choice to toggle between your totally different card accounts and swap playing cards as wanted. For those who don’t have sufficient factors on your most well-liked redemption choices, you possibly can switch factors from one card to a different inside the Final Rewards portal with the “mix factors” function.

Evaluate your redemption choices

When you’re contained in the Chase Final Rewards portal, you must be capable to see varied redemption choices on the aspect menu or once you click on “Earn / Use” on the prime. These embrace:

  • Money again
  • Eating
  • Present playing cards
  • Pay with factors with or PayPal
  • Apple Retailer
  • Pay Your self Again
  • Journey
  • Switch to journey companions

Right here’s a fast breakdown on these choices, together with their worth in comparison with different obtainable redemptions.

Money again

Not like many journey bank cards, selecting money again doesn’t decrease the worth of your factors. You’ll get one cent per level on your rewards, plus the choice to deposit your money into an account of your alternative or as assertion credit score on the cardboard you earned the factors with.

Picture from Holly Johnson


Chase Sapphire, Freedom and Ink cardholders also can redeem rewards with Chase Eating, although these with a Sapphire bank card even have entry to the Sapphire Personal Eating Sequence. You should use your factors towards curated eating experiences, house meal kits and extra. Nonetheless, redemption values and choices differ.

Present playing cards

You’ll sometimes get one cent per level for present playing cards, however there are sometimes particular promotions that allow you to get higher values infrequently. For instance, you may get a $100 present card for 9,000 factors as a substitute of 10,000 factors if there’s a ten p.c off sale that week.

Present card choices additionally differ and might change over time. Widespread choices that are usually obtainable on a regular basis come from shops like Lowe’s, Airbnb, Kohl’s, DoorDash and Ulta.

screenshot of converting points to rewards with chasePicture from Holly Johnson

Pay with Factors with or PayPal

Pay with Factors permits you to redeem your factors for purchases made by or PayPal on the checkout display. Nonetheless, this redemption choice is just value 0.8 cents per level, which means 100 factors add as much as 80 cents.

This can be a good choice to have however not essentially the easiest way to redeem your factors — particularly since you possibly can redeem for assertion credit at a price of 1 cent per level as a substitute.

Apple Retailer

You may as well use your factors in the direction of Apple merchandise like Apple Watches, Airpods, iPhones, iPads, Macs and equipment. So long as you’ve 20 p.c of the acquisition value in Chase factors, you should utilize money for the remaining factors portion of your buy.

Costs on the Apple Retailer are similar to the costs on the common Apple web site. There are typically promotions as properly, particularly across the vacation season. The latest promotion added 50 p.c extra worth to factors redeemed for Apple merchandise, however provided that you had the Chase Sapphire Reserve. In the meantime, cardholders with the Chase Sapphire Most well-liked bought 25 p.c extra worth for his or her factors at Apple.

Chase Pay Your self Again

Chase Pay Your self Again permits you to get extra worth for rewards when redeeming for assertion credit towards eligible spending classes, which may change over time.

The primary benefit of Pay Your self Again is that your factors will likely be value extra in {dollars} than if you happen to redeemed them for an announcement credit score utilizing the money again methodology.

screenshot of chase pay yourself back featurePicture from Holly Johnson


You may as well guide journey lodging from lodges to airways to rental vehicles by the Chase Final Rewards portal. For those who’ve bought the Chase Sapphire Most well-liked® Card or the Ink Enterprise Most well-liked® Credit score Card, you’ll even get a 25 p.c enhance in factors worth when reserving journey by the portal. With the Chase Sapphire Reserve®, then again, you get 50% extra worth for rewards when redeeming for journey by Chase.

Together with your Chase Sapphire Reserve, you’ll earn 10X on lodges and automobile leases booked by the portal and 5X factors on airfare booked by Chase. In the meantime, the Chase Sapphire Most well-liked Card permits you to earn 5X on all journey booked by the portal.

It’s essential to recollect you don’t want the total quantity of factors to guide journey on the Chase Final Rewards portal, both. For those who’re brief on factors for a redemption, you possibly can nonetheless guide with a mixture of rewards and money.

Switch to journey companions

The final — and arguably Most worthy — redemption choice is to switch your factors to Chase journey companions. Factors could be transferred to a lot of companions at a 1:1 ratio if in case you have an eligible Chase bank card just like the Chase Sapphire Most well-liked, the Ink Enterprise Most well-liked or the Chase Sapphire Reserve. Your factors are sometimes value with this redemption choice, however that is very true if you happen to’re reserving worldwide airfare or home airfare in a premium cabin.

Switch companions obtainable with eligible Chase playing cards embrace:

Airline companions

  • Aer Lingus, AerClub
  • Air Canada Aeroplan
  • British Airways Government Membership
  • Emirates Skywards®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airways KrisFlyer
  • Southwest Airways Speedy Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Membership

Lodge companions

  • IHG® Rewards Membership
  • Marriott Bonvoy®
  • World of Hyatt®

What’s the easiest way to redeem my Chase factors?

Typically talking, redeeming factors for journey by Chase or transferring to journey companions results in getting the very best worth on your factors. That is because of the 25 p.c to 50 p.c extra worth eligible Chase cardholders get after they redeem factors for journey by Chase, in addition to the improved redemption values many Chase airline and lodge companions supply.

It’s not unusual to switch factors to a Chase journey companion and get two cents per level in worth or significantly greater than that. Nonetheless, you’ll need to evaluate the price of reserving by the Chase portal or transferring factors to a companion to know which choice requires the bottom whole variety of factors.

That mentioned, if you happen to hardly ever journey, redeeming your factors for money again, assertion credit or present playing cards as a substitute may take advantage of sense. All of those choices make utilizing rewards simple, particularly since redemptions for assertion credit and money again begin at simply $.01.

Redeeming your factors at checkout with or PayPal, then again, fetches the bottom worth on your factors. Nonetheless, there might come a time when this specific redemption choice is smart for you, reminiscent of throughout the vacation season or when making a giant buy.

The underside line

Incomes bank card rewards that fall inside the Chase Final Rewards program is wise for a couple of causes, together with the truth that it’s one of the versatile rewards packages on the market.

Nonetheless, realizing the ins and outs of this program and its obtainable redemption choices can assist you get probably the most worth out of your rewards. You labored exhausting to earn your factors, so that you may as properly get pleasure from them.

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