HomeRoadtripHow a lot are Chase Final Rewards factors price?

How a lot are Chase Final Rewards factors price?


Chase Final Rewards factors are among the many most helpful and beneficial currencies you’ll be able to acquire.

You may select from a variety of redemption choices, together with a number of the finest airline and resort switch companions, the easy-to-use Chase Journey℠ portal, money again and fee for on a regular basis bills.

With two of the most well-liked Final Rewards-earning bank cards providing elevated welcome bonuses of 75,000 factors every, there has by no means been a greater time to contemplate a Chase bank card.

For those who’re seeking to get probably the most worth out of your Chase factors, maintain studying to find how a lot every redemption choice is price.

What are Chase Final Rewards factors?

yH5BAEAAAAALAAAAAABAAEAAAIBRAA7
CAMERON SPERANCE/THE POINTS GUY

Final Rewards factors are the foreign money of most Chase-branded bank cards. You may earn Chase Final Rewards factors for on a regular basis spending and redeem them for numerous rewards.

Listed here are a number of the finest choices for incomes Chase factors:

Be aware that these three playing cards are the one ones that permit transfers to companion packages. Nonetheless, when you pair one among them with a cash-back Chase card — just like the Chase Freedom Limitless® or the Ink Enterprise Money® Credit score Card — you’ll be able to mix your factors right into a single account, thus changing your cash-back rewards into absolutely transferable Final Rewards factors.

For those who’re simply getting began on the planet of rewards bank cards, it is sometimes finest to start out with Chase merchandise because of the issuer’s well-documented 5/24 rule. In brief, you typically cannot get authorized for any Chase playing cards — together with those who earn Final Rewards factors — when you’ve utilized for 5 or extra new bank cards throughout all banks previously 24 months.

daily dt

Each day E-newsletter

Reward your inbox with the TPG Each day publication

Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists

Bear in mind this restriction as you construct a method to maximise your bank card rewards.

How a lot are Chase Final Rewards factors price?

TPG values Final Rewards factors at 2.05 cents every, which it is best to ideally purpose for when redeeming them. Nonetheless, the precise worth will rely in your alternative of redemption.

When redeeming Final Rewards factors, you will have three primary choices:

Redemption choiceExamplesLevel worth
Switch factors to journey companions14 airline or resort loyalty packagesPresumably 2.05 cents every
Mounted-value redemptions via Chase JourneyFlights, accommodations, cruises, excursions and rental automobilesBetween 1 and 1.5 cents every, relying on which Chase card you will have
Mounted-value, non-travel redemptionsMoney again, present playing cards and Apple merchandiseBetween 0.8 and 1.5 cents every, relying on the redemption choice

The principle purpose we worth Chase factors at 2.05 cents apiece is the slate of switch companions. Every particular person loyalty program has various candy spots, and you’ve got unimaginable flexibility by holding on to your Chase factors till you are able to e-book a selected award.

Let’s take a more in-depth take a look at every of those redemption choices.

Chase Final Rewards factors worth when transferring to journey companions

yH5BAEAAAAALAAAAAABAAEAAAIBRAA7
ZACH GRIFF/THE POINTS GUY

Transferring Final Rewards to journey companions is commonly probably the most beneficial method to redeem them.

You may switch Final Rewards factors to 11 airline packages:

Chase additionally companions with three resort loyalty packages:

All switch ratios are 1:1 (although there are occasional switch bonuses), and you have to switch factors in 1,000-point increments. As famous beforehand, you’ll be able to solely switch factors from Sapphire Most well-liked, Sapphire Reserve and Ink Enterprise Most well-liked accounts, although you’ll be able to transfer your cash-back rewards into these accounts utilizing the “Mix factors” performance within the portal.

The very best resort switch companion

A specific standout switch companion is World of Hyatt. Hyatt factors are among the many most dear resort factors given this system’s low award redemption charges and wonderful vary of finances and luxurious properties.

You may simply get hold of at the very least 2 cents per Hyatt level/Chase level by redeeming in an expensive resort market like London.

yH5BAEAAAAALAAAAAABAAEAAAIBRAA7
HYATT.COM

The very best airline switch companions

For those who choose flights over accommodations, we’ve discovered quite a few candy spots for each short- and long-haul flights in financial system and premium cabins, whether or not you fancy flying inside North America or so far as Europe or Asia.

Our favourite Final Rewards candy spots embody the next:

  • Iberia flights to Madrid: Spherical-trip flights from New York’s John F. Kennedy Worldwide Airport (JFK), Chicago’s O’Hare Worldwide Airport (ORD) and Boston Logan Worldwide Airport (BOS) to Adolfo Suárez Madrid-Barajas Airport (MAD) on off-peak dates will solely set you again 34,000 Avios in financial system, 51,000 Avios in premium financial system and 68,000 Avios in enterprise class if you switch your Chase factors to Iberia Plus or British Airways Govt Membership.
  • Flights to Hawaii with Alaska Airways and American Airways: By transferring your Final Rewards factors to British Airways, you’ll be able to e-book awards with Oneworld companions American Airways and Alaska Airways. So long as your nonstop flight distance is beneath 3,000 miles every means (and there is companion award availability), you’ll be able to leverage British Airways’ distance-based award chart to fly from any West Coast gateway to Hawaii for under 26,000 Avios round-trip.
  • All Nippon Airways flights booked via Virgin Atlantic: For simply 145,000 factors, you’ll be able to fly spherical journey in top notch between the West Coast and Tokyo (once more, so long as there’s award availability). Flights from the East Coast solely value an additional 25,000 factors (170,000 factors round-trip). Enterprise-class redemptions are a fair higher deal, costing simply 90,000 to 95,000 factors round-trip, relying in your U.S. departure airport.
  • Brief-haul flights to Canada: Flights from JFK to Toronto Pearson Airport (YYZ) on United will be booked for beneath 6,000 miles one-way on many dates if you switch your Final Rewards factors to the Air Canada Aeroplan program.

Chase Final Rewards factors worth through the Chase portal

You may as well e-book journey via Chase Journey and redeem factors to your airplane tickets, resort stays, rental automobiles or experiences at a set money worth per level.

As a Chase Sapphire Most well-liked or Ink Enterprise Most well-liked cardholder, every level is price 1.25 cents. In case you have the Chase Sapphire Reserve, your factors are price 1.5 cents every towards journey redemptions within the portal. In case you have a Chase Freedom Flex℠, an Ink Enterprise Limitless® Credit score Card, an Ink Enterprise Money Credit score Card or a Chase Freedom Limitless, factors are price 1 cent every.

That is one other instance of when it is smart to mix your factors within the card account that gives probably the most worth for bookings.

For instance, all of the factors you earn with the Freedom Flex will be moved to your Sapphire Reserve account, thus rising their worth from 1 cent to 1.5 cents every when used for journey.

Chase Final Rewards factors worth for non-travel redemptions

yH5BAEAAAAALAAAAAABAAEAAAIBRAA7
CAROLINE TANNER/THE POINTS GUY

You may as well redeem Chase factors for an announcement credit score or financial institution deposit at a flat charge of 1 cent every. This charge additionally applies to present playing cards and Apple merchandise (outdoors of a limited-time particular).

Nonetheless, with Chase Pay Your self Again, you’ll be able to redeem factors for money again at a charge of 1.25 to 1.5 cents every, relying in your card. This redemption charge is legitimate on assertion credit towards rotating buy classes, comparable to choose charities.

Lastly, you’ll be able to hyperlink your eligible Chase playing cards to your Amazon account and pay for purchases with the Store With Factors program. Nonetheless, you’ll solely obtain round 0.8 cents per level, which is decrease than nearly all different redemption choices.

How do I earn Chase Final Rewards factors?

There are lots of methods to earn Chase factors at charges of 1 to 10 factors per greenback spent, relying on the particular Chase bank card you carry.

Do not forget that solely the primary three playing cards under earn absolutely transferable Final Rewards factors, whereas the remaining 4 are technically billed as cash-back bank cards. Nonetheless, you’ll be able to mix your Chase cash-back rewards in a single account to maximise your incomes and redeeming potential.

Listed here are the seven playing cards that help you earn Chase Final Rewards factors.

Chase Sapphire Most well-liked® Card

Welcome bonus: Earn 75,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening.

Why you need it: This is a wonderful all-around journey bank card. It earns factors on the following charges:

  • 5 factors per greenback spent on Lyft (via March 2025)
  • 5 factors per greenback spent on all journey bought via Chase Journey
  • 3 factors per greenback spent on eating, together with eligible supply providers, takeout and eating out
  • 3 factors per greenback spent on choose streaming providers
  • 3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
  • 2 factors per greenback spent on all different journey
  • 1 level per greenback spent on all different purchases

The Sapphire Most well-liked has no overseas transaction charges and comes with many journey perks, together with delayed baggage insurance coverage, journey cancellation/interruption insurance coverage and main automotive rental insurance coverage.

Annual price: $95

Utility hyperlink: Chase Sapphire Most well-liked® Card

Chase Sapphire Reserve®

Welcome bonus: Earn 75,000 factors after you spend $4,000 on purchases within the first three months from account opening.

Why you need it: That is the cardboard to get if incomes energy is most necessary to you. Its journey perks can simply cowl the annual price. It accrues the next earnings:

  • 10 factors per greenback spent on Lyft (via March 2025)
  • 10 factors per greenback spent on Chase Eating booked via Final Rewards
  • 10 factors per greenback spent on resort and automotive rental purchases via Chase Journey
  • 5 factors per greenback spent on airline journey booked via Chase Journey
  • 3 factors per greenback spent on journey not booked via Chase
  • 3 factors per greenback spent on different eating purchases
  • 1 level per greenback spent on all different eligible purchases

Different perks embody an easy-to-use $300 annual journey credit score, a price credit score for World Entry or TSA PreCheck (as much as $100 as soon as each 4 years) and entry to Precedence Move Choose lounges and a rising checklist of recent Sapphire airport lounges. This is among the few playing cards that help you use your Precedence Move membership for discounted meals in airport eating places; nonetheless, this perk will not be obtainable from July 1 on. Cardholders additionally get main automotive rental protection, journey interruption/cancellation insurance coverage and different protections.

Annual price: $550

Utility hyperlink: Chase Sapphire Reserve®

Ink Enterprise Most well-liked® Credit score Card

Welcome bonus: Earn 100,000 factors after you spend $8,000 on purchases within the first three months from account opening.

Why you need it: This is a wonderful choice for small-business homeowners, incomes 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey, transport, web, cable and cellphone providers, and promoting made with social media websites and search engines like google and yahoo every account anniversary 12 months. You earn 1 level per greenback spent on all different purchases, and factors do not expire so long as your account is open.

Annual price: $95

Utility hyperlink: Ink Enterprise Most well-liked® Credit score Card

Ink Enterprise Money® Credit score Card

Welcome bonus: Earn as much as $750: $350 bonus money again after you spend $3,000 on purchases within the first three months and a further $400 if you spend $6,000 on purchases within the first six months from account opening. This may be transformed to 75,000 factors in case you have one other Final Rewards points-earning bank card.

Why you need it: Earn 5% money again on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable and cellphone providers every account anniversary 12 months (then 1%). You may as well earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary 12 months (then 1%). In case you have one of many three playing cards above, you’ll be able to convert these earnings to Final Rewards factors.

Annual price: $0

Utility hyperlink: Ink Enterprise Money® Credit score Card

Ink Enterprise Limitless® Credit score Card

Welcome bonus: Earn $750 money again (which might turn out to be 75,000 Final Rewards factors) after you spend $6,000 on purchases within the first three months from account opening.

Why you need it: Earn limitless 1.5% cash-back rewards on each buy. These cash-back earnings will be transformed to Final Rewards factors in case you have one of many high three playing cards listed above, which implies your small enterprise can primarily earn 1.5 factors per greenback spent on all expenses made with this card.

Annual price: $0

Utility hyperlink: Ink Enterprise Limitless® Credit score Card

Chase Freedom Flex℠

Welcome bonus: Earn $200 (which might turn out to be 20,000 Final Rewards factors) after you spend $500 within the first three months of account opening.

Why you need it: The cardboard earns 5% again on choose bonus classes, which rotate each quarter and apply on as much as $1,500 in mixed spending (activation required). Previous bonus classes embody fuel stations, supermarkets, eating places, warehouse shops and malls. You may convert these rewards to beneficial Final Rewards factors in case you have one of many high three playing cards listed above. Plus, earn 5% on journey bought via Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply providers) and three% on drugstore purchases.

Annual price: $0

Utility hyperlink: Chase Freedom Flex℠

Chase Freedom Limitless®

Welcome bonus: Earn a further 1.5% money again on every thing you purchase (on as much as $20,000 spent within the first 12 months), price as much as $300 money again.

Why you need it: These earnings will be transformed to beneficial Final Rewards factors in case you have one of many high three playing cards listed above. Plus, earn 5% on journey bought via Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply providers) and three% on drugstore purchases. Earn 1.5% on all different purchases. The cardboard additionally gives 120-day buy safety and prolonged guarantee safety.

Annual price: $0

Utility hyperlink: Chase Freedom Limitless®

Backside line

Chase Final Rewards factors are extraordinarily beneficial as a result of they’re each straightforward to earn and provide a lot flexibility when utilizing them.

Chase factors normally value round 1 cent every for money again or present card redemptions. When redeeming them via the Chase Journey portal, the worth will increase as much as 1.5 cents, relying on the kind of Chase card you maintain.

Nonetheless, you’ll be able to get hold of as much as and above 2.05 cents in worth per Final Rewards level by transferring your factors to a variety of airline and resort companions.

Do not miss out on elevated welcome bonuses of 75,000 Final Rewards factors presently obtainable on the Chase Sapphire playing cards.

RELATED ARTICLES
Popular posts

Most Popular

Other posts