Earning Rates
5x5x on travel booked via Chase Travel
3x3x on dining (incl. takeout & delivery)
3x3x on select streaming services
3x3x on online groceries
2x2x on all other travel purchases
1x1x on everything else
Pros & Cons
Pros
- Excellent transfer partners including Hyatt and United
- Strong signup bonus worth $1,500+
- 25% more value when redeeming through Chase Travel
- No foreign transaction fees
- Trip cancellation/interruption insurance
Cons
- $95 annual fee (not waived first year)
- No airport lounge access
- Only 1x on non-bonus categories
Key Benefits & Perks
DoorDash DashPass
Instacart+ membership
$50 hotel credit annually
Trip cancellation insurance
Transfer Partners
Ultimate Rewards points transfer to 13 airline and hotel loyalty programs, often at a 1:1 ratio. Transfer to maximize redemption value.
UnitedHyattSouthwestBritish AirwaysAir France/KLMSingapore AirlinesIHGMarriott BonvoyVirgin AtlanticAer LingusEmiratesIberiaJetBlue
Points Value Calculator
Estimate the dollar value of your Ultimate Rewards balance based on our average 2¢ per point valuation.
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