The Chase Ultimate Rewards program comes with lots of perks and you’ve probably heard a lot about it. After all, you can use it and its cards to earn all kinds of points that can be used with a ton of travel partners, often for an awesome deal. Better yet, there are a plethora of cards that you have to choose from when it comes to earning Chase Ultimate Rewards, from the Chase Sapphire Preferred card to the Chase Ink suite of business cards.
Regardless of what you choose, here are 10 of the best ways to earn Chase Ultimate Rewards points through the end of this year and into next.
1. Sign Up for Ultimate Rewards Credit Cards
The easiest way to earn these rewards points is by simply using a credit card that earns them. So, if you’re in the market for an Ultimate Rewards credit card, what should you consider?
The Chase Sapphire Preferred Card comes with 50,000 bonus points after you spend $4,000 on purchases in the first three months, which translates to $625 toward travel when you redeem your points through Chase Ultimate Rewards. This makes this card a pretty heavy winner.
As far as business cards go, the Ink Business Preferred Credit Card comes with 80,000 bonus points after you spend $5,000 on purchases in the first three months, translating to $1,000 toward travel when you redeem through Chase Ultimate Rewards. This card is likewise the clear winner in the business category.
2. Everyday Spending
So if the Chase Sapphire Preferred and the Ink Business Preferred are best for giving you a huge chunk of bonus points when you sign up, which card will actually give you lots of points for your everyday spending? For that, you want to look toward the Chase Freedom Card. There are quarterly rotating bonus categories that earn 5 points per dollar. That’s way more than what you might get from some other cards.
Beyond this, keep in mind that you can still get 5 points per dollar on very select purchases with other cards, such as on office supplies with the Ink Business Cash℠ Credit Card or on internet and cable, also with the Ink Business Cash℠ Credit Card.
Beyond spending, there are other ways to earn your points. When you refer a friend or family member to sign up for a card, and they use your referral link, you get a bonus. It’s that easy! The bonus can be as much as 5,000 bonus points, for up to 10 people, or 50,000 bonus points.
4. Get a Second Card
If you qualify for a business card, why haven’t you signed up for one yet? You don’t have to choose between a personal Chase card and a business card — you can have both! The Ink Business Cash℠ Credit Card and the Ink Business Preferred Credit Card are both great options.
5. Go Shopping
You’re going to shop anyway. You might as well earn some bonus points while you’re at it. The Chase Ultimate Rewards online “mall” allows you to earn points on purchases you’d already make, with brands you love. Keep an eye out for the special deals, because sometimes you can get more bonus points with certain vendors.
6. Book a Flight…
If you have the Chase Sapphire Preferred Card or the Chase Sapphire Reserve Card, book your airfare using one of the two, for two points per dollar, or three points per dollar, respectively.
7. …Then Actually Travel
Then, once you’re actually traveling, continue to use your Chase Sapphire Reserve Card to earn three points on select items classified as travel costs, or your Chase Sapphire Preferred Card to earn two points on the same. This includes lodging, vehicle rentals, taxis, trains, subways, toll roads, parking lots, buses and more.
8. Keep an Eye Out for a Better Bonus
Hey, it happens! You sign up for a card to earn the bonus points and then a few days later, a bigger, better deal is unveiled. Don’t miss out! If 90 days or fewer have passed between your sign up and the bonus increase, just call Chase. They’ll most likely adjust your bonus to match the new one.
9. Buy Gift Cards
It’s a lucrative tactic and sometimes frowned upon, but it’s effective. You can use your Chase cards to buy gift cards that you can use elsewhere, in order to get more points. So, for example, you could use an Ink Business Cash℠ Credit Card to purchase a Wal-Mart gift card at Staples, so that you receive 5X points from the Staples purchase, but then still have the money to spend on your groceries at Wal-Mart. (Just keep in mind that sometimes this type of activity can be flagged on your card as a cash advance, in which case you will receive no points.)
10. Just Ask
If you have a Chase card that’s nearing the annual fee posting, call in to speak with a representative. If you act a little hesitant about continuing with the card, you may just receive a retention bonus for sticking around.