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Q: I’ve heard so many great things about Chase Ultimate Rewards. Which cards have access to this feature?
A: The cards that can use Chase Ultimate Rewards include the Freedom, Sapphire, Ink, Ink Bold, Ink Plus, and Ink Exclusives cards. The first two, Chase Freedom and Chase Sapphire, are personal cards, while the others are part of Chase’s business card line.
Many rewards programs have caps on earnings and points expire after a few years. With Chase Ultimate Rewards, you can earn unlimited points, and points never expire. There is also the Ultimate Rewards Mall, where Chase partnered with over 400 retailers to offer you extra rewards with those retailers. Instead of earning 1% cash back (or 1 point per dollar spent), you can earn up to 10 points or more per dollar spent, or 10% cash back.
With Ultimate Rewards, you can redeem your points for a number of different things. You can receive cash back, or use the points to pay off part of your account balance. You can redeem your points for airline tickets, or you can book your flight with the Travel Tool and earn double points. You can redeem your points for a gift card. You can even try one of the experiences, such as a wine tasting or a DJ lesson. My favorite reward will always be cash back, but Chase offers a pretty impressive variety for those who like to have choices.