Updated: Jan 11, 2026

Chase Credit Cards that Earn Ultimate Rewards Points

All the Chase Ultimate Rewards cards in one place

Written by Dave Grossman Your Best Credit Cards author & editor

FEATURED CARD

Chase Sapphire Preferred® Card

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Card Details

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Chase Sapphire Preferred® Card

(4.05) Our Review

Annual Fee:

$95

☝ Increased Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

💡 Need to Know

The best starter rewards credit card with powerful benefits, a solid signup bonus, and a great introduction into Chase Ultimate Rewards.

Featured Chase Ultimate Rewards® Credit Card

Earns valuable and highly flexible Chase Ultimate Rewards points
Extensive travel protections — including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
3X points on dining means you can rack up points quickly!

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* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

💡 If you apply for a Chase credit card and don’t see an instant approval, you should consider calling the Chase reconsideration phone line.

If you are looking for credit cards that earn Chase Ultimate Rewards points, you have come to the right place. From the Chase Sapphire Preferred® to the Chase Ink Business Preferred® and the Chase Sapphire Reserve for Business℠, we have them all.

Looking to learn why you want to earn Chase Ultimate Rewards points?

Don’t worry, we’ve written the ultimate guide for that: Chase Ultimate Rewards Points: How to Earn and Redeem with Transfer Partners [Comprehensive Guide]

Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card

(4.05) Our Review

Annual Fee:

$95

☝ Increased Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Earns valuable and highly flexible Chase Ultimate Rewards points
Extensive travel protections — including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
3X points on dining means you can rack up points quickly!

Earns valuable and highly flexible Chase Ultimate Rewards points
Extensive travel protections — including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
3X points on dining means you can rack up points quickly!

Pros

You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
Earns valuable and highly flexible Chase Ultimate Rewards points.
Extensive travel protections — including lost luggage insurance and a damage waiver on rental cars.

Cons

A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
High credit scores required for account opening.
Lack of travel benefits like a Global Entry application fee credit.

Annual Fee: $95

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 19.24%-27.49% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

3x
Dining Out / Food Delivery
3x
Streaming Services
2x-5x
Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x
Transit
2x-5x
Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x-5x
Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x-3x
Cruises

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
1x
Everything Else

Chase Sapphire Reserve®

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Chase Sapphire Reserve®

(4.5) Our Review

Annual Fee:

$795

👑 Best Ever Offer

Limited Time Offer: Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Earns extremely valuable Chase Ultimate Rewards points
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $2,700 in annual value in benefits and statement credits.

Earns extremely valuable Chase Ultimate Rewards points
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $2,700 in annual value in benefits and statement credits.

Pros

Aside from a $300 annual credit on travel, you'll earn up to 8X on all travel purchases made via Chase Travel℠
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $2,700 in annual value in benefits and statement credits.

Cons

High annual fee
Not as many bonus categories as some other cards
If booking travel directly (rather than via Chase Travel℠), 4X bonus categories are limited to Airfare and Hotels booked directly but not all travel.

Annual Fee: $795

Foreign Transaction Fee: 0%

Min Credit Score: Excellent (800-850) *

Point Value:

$0.01-$0.0175

APR: 19.49%-27.99% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

4x-8x
Airfare

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the airline. Bookings via any other channel earn 1X.
4x-8x
Hotels

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the hotel. Bookings via any other channel earn 1X.
3x
Dining Out / Food Delivery
1x-8x
Car Rentals

Only applies to bookings made via Chase Travel℠. Otherwise earn 1X.
1x
Everything Else

Chase Sapphire Reserve for Business℠

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Chase Sapphire Reserve for Business℠

(4.5) Our Review

Annual Fee:

$795

🎁 Bonus offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

Up to $2,500 in annual value from benefits and statement credits
Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
Too many benefits and statement credits to list! It comes with IHG Platinum status for a start…

Up to $2,500 in annual value from benefits and statement credits
Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
Too many benefits and statement credits to list! It comes with IHG Platinum status for a start…

Pros

Up to $2,500 in annual value from benefits and statement credits
Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
Too many benefits and statement credits to list! Comes with IHG Platinum status for a start…

Cons

Very high annual fee
Only one business related (non-travel) bonus category

Annual Fee: $795

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 17.74%-28.49% (Variable)

5x
Lyft

Through 9/30/27
4x-8x
Airfare

Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on airfare booked directly. Any other booking channel earns 1X.
4x-8x
Hotels

Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on hotels booked directly. Any other booking channel earns 1X.
3x
Advertising on Search Engines and Social Media
1x-8x
Car Rentals

Only when booked via Chase Travel; otherwise earn 1X points per dollar.
1x
Everything Else

Chase Ink Business Preferred® Credit Card

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Chase Ink Business Preferred® Credit Card

(4.63) Our Review

Annual Fee:

$95

☝ Increased Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earns fully transferable Chase Ultimate Rewards points
3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Earns fully transferable Chase Ultimate Rewards points
3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Pros

3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more – up to $150,000 per account anniversary year can mean huge points earnings
Earns fully transferable Chase Ultimate Rewards points
Travel protections, primary car rental CDW, and cell phone protections

Cons

$95 annual fee
The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
No 0% intro APR offers

Annual Fee: $95

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 17.74%-26.74% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

3x
Airfare

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Transit

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Car Rentals

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Cellular Phone Service

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Hotels

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Advertising on Search Engines and Social Media

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Shipping

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Cable / Internet / Phone

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3x
Cruises

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
1x
Everything Else

Chase Ink Business Unlimited® Credit Card

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Chase Ink Business Unlimited® Credit Card

(4.38) Our Review

Annual Fee:

🎁 Bonus offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Simple. Earn 1.5% cash back on all purchases
Rich signup bonus
No annual fee

Simple. Earn 1.5% cash back on all purchases
Rich signup bonus
No annual fee

Pros

With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
No annual fee
Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card

Cons

Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
No bonus spend categories

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

1.5x
Everything Else

Chase Ink Business Cash® Credit Card

Learn How to Apply Card Details

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Chase Ink Business Cash® Credit Card

(4.83) Our Review

Annual Fee:

🎁 Bonus offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Pros

Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories – on up to $25,000 in combined purchases each cardmember year.
No annual fee
Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card

Cons

Charges a foreign transaction fee
Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
Earns only 1% on non-bonus categories

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

5x
Cable / Internet / Phone
5x
Cellular Phone Service
5x
Office Supplies
2x
Gas Stations
2x
Dining Out / Food Delivery
1x
Everything Else

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

(4.25) Our Review

Annual Fee:

🎁 Bonus offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. This is awarded as 25,000 Ultimate Rewards Points, transferrable to airline / hotel partners if you also hold a Chase Sapphire Reserve®, Chase Sapphire Preferred®, Sapphire Reserve for Business℠ or an Ink Business Preferred®.

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

Pros

No annual fee
0% Intro APR offers on both purchases and balance transfers
Points earned can be combined with other cards that earn Chase Ultimate Rewards®

Cons

Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
Carries a foreign transaction fee of 3%
Limited travel protections and no bonus points on travel purchases

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

3x
Dining Out / Food Delivery
3x
Drugstores
1.5x-5x
Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x
Everything Else

Chase Freedom Flex

Learn How to Apply Card Details

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All information about the Chase Freedom Flex has been collected independently by Your Best Credit Cards.

Chase Freedom Flex

(4) Our Review

Annual Fee:

🎁 Bonus offer

Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.

0% Intro APR offers for both new purchases and balance transfers
5% cash back on rotating bonus categories each quarter (on up to $1,500 in combined purchases per quarter)
Comes with great shopping benefits like Purchase Protection and Extended Warranty

0% Intro APR offers for both new purchases and balance transfers
5% cash back on rotating bonus categories each quarter (on up to $1,500 in combined purchases per quarter)
Comes with great shopping benefits like Purchase Protection and Extended Warranty

Pros

No annual fee
0% Intro APR offers on both purchases and balance transfers
Points earned can be combined with other cards that earn Chase Ultimate Rewards

Cons

Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
Carries a foreign transaction fee of 3%
Limited trip protections and no bonus points on travel purchases

Annual Fee: $0

Foreign Transaction Fee: 3%

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 15 months, 19.24%-27.99% thereafter)

3x
Dining Out / Food Delivery
3x
Drugstores
1x-5x
Airfare

Earn the higher multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
1x-5x
Hotels

Earn the higher multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
1x-5x
Car Rentals

Earn the higher multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
1x
Everything Else

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What’s the most important factor to consider when choosing a credit card?

The right credit card for you (Your Best Credit Card!!) depends on your spending habits and goals. If you want rewards, focus on categories where you spend the most (like travel, dining, or groceries). If you’re looking to save money, a 0% intro APR, 0% Intro APR Balance Transfer, or a no-annual-fee card may be best. Luckily, we are here to help you figure this out with a wide variety of tools like our Smart Search and Card Explorer!

Do credit card applications affect my credit score?

Yes and no. Applying for a new card results in a “hard inquiry,” which may temporarily lower your credit score by a few points for a short period of time. However, since you’ll grow your available credit, your total utilization will shrink, possibly increasing your score over time. Of course this depends on responsible use of your credit and 100% on-time payments. We recommend trying to always pay in full as well as revolving balances increase your debt exponentially over time.

What’s the difference between cash back, points, and miles?

Cash back: Rewards you can redeem for statement credits, checks, or bank deposits.
Points: Flexible rewards that can often be redeemed for travel, gift cards, or merchandise. (We prefer transferring to airline and hotel programs!). These are, in our opinion, the most flexible types of credit cards.
Miles: Primarily geared toward travel, usually tied to one specific airline.
The best option depends on whether you value simplicity (cash back) or maximizing travel rewards (points/miles).

Do I need an excellent credit score to get approved?

Not always. Premium rewards and travel cards often require good to excellent credit (typically 670+). But there are plenty of cards for fair or limited credit, including secured cards and student cards, that help build your score over time.

How do annual fees work, and are they worth it?

Annual fees are charged once per year for keeping the card open. They can be worth it if the card’s rewards, perks, and benefits outweigh the cost. For example, frequent travelers may get hundreds of dollars in value from perks like lounge access or travel credits. You need to do the math on each card with an annual fee to see if the perks and credits outweigh the fee in your particular case since there are generally a range of credits that an individual may or may not value.

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Chase Credit Cards that Earn Ultimate Rewards Points

Chase Sapphire Preferred® Card

☝ Increased Offer

Featured Chase Ultimate Rewards® Credit Card

Credit Cards that Earn Chase Ultimate Rewards® Points

Chase Sapphire Preferred® Card

Pros

Cons

Chase Sapphire Reserve®

Pros

Cons

Chase Sapphire Reserve for Business℠

Pros

Cons

Chase Ink Business Preferred® Credit Card

Pros

Cons

Chase Ink Business Unlimited® Credit Card

Pros

Cons

Chase Ink Business Cash® Credit Card

Pros

Cons

Chase Freedom Unlimited®

Pros

Cons

Chase Freedom Flex

Pros

Cons

More Questions?

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What’s the most important factor to consider when choosing a credit card?

Do credit card applications affect my credit score?

What’s the difference between cash back, points, and miles?

Do I need an excellent credit score to get approved?

How do annual fees work, and are they worth it?

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