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Advanced Tips for Redeeming Chase Ultimate Rewards

With a sturdy community of playing cards and quite a lot of methods to earn and redeem factors, the Chase Ultimate Rewards® program may be very common with vacationers.

Whereas you should use your factors for issues equivalent to reward playing cards, buying, Amazon and money again, you’ll nearly at all times get higher worth whenever you redeem factors for journey.

Listed here are a couple of methods to maximise your rewards to create some final journey adventures.

1. Do the maths

One factor many vacationers like greatest about Chase Ultimate Rewards® is that they’re straightforward to redeem within the Chase journey portal. You may search the portal powered by Expedia for flights, accommodations and rental automobiles and select to pay money or redeem your factors.

The opposite possibility to make use of your Chase Ultimate Rewards® factors for journey is to switch them to quite a lot of airline and lodge companions. Chase companions with a number of giant packages, together with Hyatt, Marriott, Southwest and United, and all factors switch at a 1:1 ratio.

Generally, you’ll get one of the best worth to redeem your Chase Ultimate Rewards® whenever you switch them to companions. Different occasions, it would price fewer factors for those who e-book immediately within the portal.

Try this economic system flight from Washington, D.C., to Mumbai, India. In the event you transferred Chase Ultimate Rewards® and booked via United, this flight would price 85,000 miles round-trip, plus $50.07 in taxes and charges:

When you’ve got the Chase Sapphire Reserve® and e-book this United flight immediately within the Chase journey portal, with out transferring factors to United, you’ll pay simply 42,825 Chase Ultimate Rewards® for the very same flights.

However right here’s why it’s necessary to do the maths and examine your choices: You may’t at all times assume that you simply’ll get one of the best deal for journey through the use of the portal.

Let’s say you’re flying from New York to Singapore and also you wish to splurge for a lie-flat enterprise class seat on the lengthy journey. In the event you search for choices to redeem your Chase Ultimate Rewards® factors within the portal, you’ll discover a enterprise class seat on Singapore Airways going for a hefty 288,546 miles.

Then, you examine immediately with Singapore Airways and uncover that very same enterprise class flight for 198,000 Singapore KrisFlyer miles.

Since Singapore Airways is a switch associate, you might switch 198,000 factors and e-book immediately via the airways, fairly than use 288,546 Ultimate Rewards® within the portal. That’s a distinction of greater than 90,000 factors!

All the time do the maths and examine your choices. Don’t assume that you simply’ll get higher worth for those who e-book immediately within the Chase journey portal, or that you simply’ll at all times get higher worth by transferring to companions.

2. Guide flights immediately within the portal and earn miles

As you noticed within the first instance above, you might fly to India for 85,000 United miles, or you might save about half of that and e-book immediately within the Chase Ultimate Rewards® journey portal for 42,825 factors. There’s one other profit to redeeming Chase Ultimate Rewards® for flights within the portal: You’ll earn miles whenever you fly.

While you redeem transferred miles for a flight, you received’t earn new miles for the award flight you are taking. However whenever you e-book a flight with bank card factors like Chase Ultimate Rewards®, it acts like a income ticket and you’ll earn new miles whenever you fly. When money fares are low, you could find nice offers by reserving immediately within the portal for a low variety of factors. Plus, you’ll earn miles within the course of.

Nerd tip: It’s necessary to notice this doesn’t maintain true for accommodations. In the event you e-book a lodge room via the Chase journey portal, you received’t earn lodge factors throughout your keep.

3. Say aloha to Hawaii for solely 17,500 miles

Wish to fly a United flight from the U.S. mainland to Hawaii for fewer miles than United fees? With Chase Ultimate Rewards®, you possibly can.

Singapore Airways is likely one of the airline companions which you could switch your Chase Ultimate Rewards® to at a 1:1 ratio. Singapore is a member of the Star Alliance, so you should use Singapore Airways miles to e-book flights on any Star Alliance associate.

While you use Singapore KrisFlyer miles to fly from the continental U.S. to Hawaii, you’ll pay simply 17,500 every manner in economic system. Since United can also be a part of the Star Alliance, you should use your Singapore Airways miles to fly United to Hawaii, and also you’ll probably pay fewer miles than United would cost. United has switched to dynamic award pricing and now not publishes an award chart, so you possibly can’t make sure what number of miles it would cost for a flight to Hawaii.

However when United did publish a chart, it price 22,500 miles for a one-way flight to Hawaii. In the event you switch Chase Ultimate Rewards® to Singapore Airways as a substitute of United, you’ll almost definitely get a greater deal on a flight to Hawaii. You may search United’s web site for your journey dates to check and make sure you get one of the best deal.

4. Guide lodge rooms for the entire household, with factors

In the event you’ve ever traveled internationally with greater than two individuals, you already know that accommodations can have strict occupancy guidelines. When you’ve got youngsters or additional pals or members of the family in tow, you’ll need to e-book two customary rooms at a number of accommodations. Even rooms with two twin beds might limit occupancy to 3 individuals (together with youngsters).

On this search for a room on the Hyatt web site for two adults and two youngsters (4 occupants) on the Hyatt Regency Kyoto, a message pops up that the lodge shouldn’t be accepting factors reservations.

Nonetheless, you might e-book a factors reservation if there are one or two visitors.

However an attention-grabbing factor occurs typically when a Chase Sapphire Reserve® cardholder does a search for the identical lodge, on the identical dates for 4 occupants within the Chase journey portal:

Not solely can you make a reservation, however at an inexpensive charge (26,066 factors). If a household of 4 wanted to get two rooms on the Hyatt Regency Kyoto due to occupancy limitations, it could price 50,000 Hyatt factors per evening. By redeeming Chase Ultimate Rewards® factors via the portal, you’re getting a room that explicitly permits two adults and two youngsters even when the lodge received’t settle for award reservations immediately for a household of 4.

5. Mix your factors

Most individuals who carry a Chase Ultimate Rewards®-earning card have heard concerning the 1:1 switch ratio to quite a lot of airline and lodge companions. However there’s a lesser-known switch possibility that may be extremely useful as nicely.

If, for instance, you’ve got a Chase Sapphire Reserve® and a Chase Freedom®, you’ll earn Ultimate Rewards® in two separate accounts. You may simply mix these into one account to make redemptions easier whereas getting extra worth out of your factors. Simply switch them to your Chase Sapphire Reserve® account (the place you possibly can redeem for 1.5 cents per level), as a substitute of leaving them separate within the accrual account of your no-fee Chase Freedom® (the place you possibly can solely redeem for 1 cent per level in worth).

Not solely are you able to mix the factors that you simply earn between playing cards, however you too can mix factors with one member of your family. This may be very helpful whenever you don’t have sufficient factors in both account to achieve the award you need.

Simply log into your Chase Ultimate Rewards® account, go to the highest left of the display and  click on on the three horizontal bars icon. You’ll come to an extended menu of choices — scroll to the underside, then you definitely’ll discover the choice to “Mix Factors.”

You may mix factors with one member of your family who additionally has a Chase Ultimate Rewards® account. The particular person would not need to be your partner or baby, however they need to legally reside in the identical family (Chase makes it clear that for those who try and misuse this profit, your factors and account can be revoked).

So for those who’re 10,000 factors shy of the award you’re eyeing and your family member has 10,000 factors to spare, they’ll switch these to you with a couple of straightforward clicks.

In case your family member is added as a certified person of your card, you too can switch your Chase Ultimate Rewards® factors into your licensed person’s associate lodge or airline account.

The underside line

In the event you take the time to crunch the numbers, you’ll typically have the ability to save hundreds of factors for those who e-book immediately via the portal fairly than switch your factors for the journey you take into account. Or, if you could find the candy spots whenever you’re planning a visit, you may get outsized worth for your Chase Ultimate Rewards® factors whenever you switch to an airline or lodge associate.

Additionally, there could possibly be a chance to mix forces with another person in your family with a Chase Ultimate Rewards®-earning card to supercharge your collective factors steadiness.

The knowledge associated to the Ink Enterprise Most popular® Credit score Card and Chase Freedom® has been collected by NerdWallet and has not been reviewed or supplied by the issuer of this card.

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