Chase Ultimate Rewards
Chase's card-linked rewards ecosystem combines direct Ultimate Rewards earning with separately issued airline, hotel, cash-back, and merchant portfolios.
Card eligibility controls whether rewards transfer to travel partners; co-branded cards retain their own airline, hotel, or merchant currencies.
The owner, currency, and rules of entry. Administrative essentials, mercifully without the brochure.
- Parent organization
- JPMorgan Chase Bank, N.A.
- Program currency
- Ultimate Rewards points
- Program status
- Active
- Primary market
- United States
- Enrollment eligibility
- Participation requires an eligible issuer product or account under the current program terms.
- Enrollment cost
- No separate program enrollment fee; card and account fees remain product-specific.
- Official program links
- Homepage ↗Program terms ↗
- Last updated
- Aug 7, 2026
A bank may issue the plastic, but the currency still decides what you actually own. Cards are grouped by purpose, partner, and audience—with no points casually reassigned by typography.
Card portfolio
Airline cards
Aer Lingus AerClub
Personal
Aer Lingus Visa Signature Credit Card
Visa · Open
- Earns
- Avios
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 95
Air Canada Aeroplan
Personal
Aeroplan Credit Card
Mastercard · Open
- Earns
- Aeroplan points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 95
British Airways Club
Personal
British Airways Visa Signature Credit Card
Visa · Open
- Earns
- Avios
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 95
Iberia Club
Personal
Iberia Visa Signature Credit Card
Visa · Open
- Earns
- Avios
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 95
Southwest Rapid Rewards
Personal
Southwest Rapid Rewards Plus Credit Card
Visa · Open
- Earns
- Rapid Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 99
Southwest Rapid Rewards Premier Credit Card
Visa · Open
- Earns
- Rapid Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 149
Southwest Rapid Rewards Priority Credit Card
Visa · Open
- Earns
- Rapid Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 229
Business
Southwest Rapid Rewards Premier Business Credit Card
Visa · Open
- Earns
- Rapid Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 149
Southwest Rapid Rewards Performance Business Credit Card
Visa · Open
- Earns
- Rapid Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 299
United MileagePlus
Personal
United Gateway Card
Visa · Open
- Earns
- MileagePlus miles
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 0
United Explorer Card
Visa · Open
- Earns
- MileagePlus miles
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 150
United Quest Card
Visa · Open
- Earns
- MileagePlus miles
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 350
United Club Card
Visa · Open
- Earns
- MileagePlus miles
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 695
Business
United Business Card
Visa · Open
- Earns
- MileagePlus miles
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 150
United Club Business Card
Visa · Open
- Earns
- MileagePlus miles
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 695
Hotel cards
IHG One Rewards
Personal
IHG One Rewards Traveler Credit Card
Visa · Open
- Earns
- IHG One Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 0
IHG One Rewards Premier Credit Card
Visa · Open
- Earns
- IHG One Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 99
Business
IHG One Rewards Premier Business Credit Card
Visa · Open
- Earns
- IHG One Rewards points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 99
Marriott Bonvoy
Personal
Marriott Bonvoy Bold Credit Card
Visa · Open
- Earns
- Marriott Bonvoy points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 0
Marriott Bonvoy Boundless Credit Card
Visa · Open
- Earns
- Marriott Bonvoy points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 95
Marriott Bonvoy Bountiful Credit Card
Visa · Open
- Earns
- Marriott Bonvoy points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 250
World of Hyatt
Personal
World of Hyatt Credit Card
Visa · Open
- Earns
- World of Hyatt points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 95
Business
World of Hyatt Business Credit Card
Visa · Open
- Earns
- World of Hyatt points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 199
Travel cards
Personal
Chase Sapphire Preferred Card
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 95
Chase Sapphire Reserve
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 795
Business
Ink Business Preferred Credit Card
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 95
Sapphire Reserve for Business
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 795
Cash back cards
Personal
Chase Freedom Rise
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Cash rewards may be combined with an eligible points account under the issuer's current rules.
- Annual fee
- USD 0
Chase Freedom Flex
Mastercard · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Cash rewards may be combined with an eligible points account under the issuer's current rules.
- Annual fee
- USD 0
Chase Freedom Unlimited
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Cash rewards may be combined with an eligible points account under the issuer's current rules.
- Annual fee
- USD 0
Business
Ink Business Cash Credit Card
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Cash rewards may be combined with an eligible points account under the issuer's current rules.
- Annual fee
- USD 0
Ink Business Unlimited Credit Card
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Cash rewards may be combined with an eligible points account under the issuer's current rules.
- Annual fee
- USD 0
Ink Business Premier Credit Card
Visa · Open
- Earns
- Ultimate Rewards points
- Program relationship
- Directly earns the featured currency, but pooling and transfer access remain product-restricted.
- Annual fee
- USD 195
Shopping & other cards
Amazon
Personal
Amazon Visa
Visa · Open
- Earns
- Amazon rewards
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
Prime Visa
Visa · Open
- Earns
- Amazon rewards
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
Disney
Personal
Disney Visa Card
Visa · Open
- Earns
- Disney Rewards Dollars
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
Disney Premier Visa Card
Visa · Open
- Earns
- Disney Rewards Dollars
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 49
Instacart
Personal
Instacart Mastercard
Mastercard · Open
- Earns
- Cash back
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
The headline rate is only half the story. What counts—and what quietly does not—is where the arithmetic gets interesting.
Airline cards
Aer Lingus AerClub
Personal
Aer Lingus Visa Signature Credit Card
Visa · Open
General eligible purchases
1 Avios per 1 USD
General eligible purchases
Air Canada Aeroplan
Personal
Aeroplan Credit Card
Mastercard · Open
General eligible purchases
1 Aeroplan point per 1 USD
General eligible purchases
British Airways Club
Personal
British Airways Visa Signature Credit Card
Visa · Open
General eligible purchases
1 Avios per 1 USD
General eligible purchases
Iberia Club
Personal
Iberia Visa Signature Credit Card
Visa · Open
General eligible purchases
1 Avios per 1 USD
General eligible purchases
Southwest Rapid Rewards
Personal
Southwest Rapid Rewards Plus Credit Card
Visa · Open
General eligible purchases
1 Rapid Rewards point per 1 USD
General eligible purchases
Southwest Rapid Rewards Premier Credit Card
Visa · Open
General eligible purchases
1 Rapid Rewards point per 1 USD
General eligible purchases
Southwest Rapid Rewards Priority Credit Card
Visa · Open
General eligible purchases
1 Rapid Rewards point per 1 USD
General eligible purchases
Business
Southwest Rapid Rewards Premier Business Credit Card
Visa · Open
General eligible purchases
1 Rapid Rewards point per 1 USD
General eligible purchases
Southwest Rapid Rewards Performance Business Credit Card
Visa · Open
General eligible purchases
1 Rapid Rewards point per 1 USD
General eligible purchases
United MileagePlus
Personal
United Gateway Card
Visa · Open
United purchases
2 MileagePlus miles per 1 USD
Eligible United tickets and qualifying United purchases
Gas stations
2 MileagePlus miles per 1 USD
Eligible gas-station purchases
Local transit and commuting
2 MileagePlus miles per 1 USD
Rideshare, taxis, trains, tolls, and mass transit
All other eligible purchases
1 MileagePlus mile per 1 USD
All other eligible purchases
United Explorer Card
Visa · Open
United purchases
3 MileagePlus miles per 1 USD
Eligible United tickets and qualifying United purchases
Dining
2 MileagePlus miles per 1 USD
Restaurants, takeout, and eligible delivery services
Hotels booked directly
2 MileagePlus miles per 1 USD
Hotel accommodations purchased directly with the hotel
All other eligible purchases
1 MileagePlus mile per 1 USD
All other eligible purchases
United Quest Card
Visa · Open
United purchases
4 MileagePlus miles per 1 USD
Eligible United tickets and qualifying United purchases
Renowned Hotels and Resorts
5 MileagePlus miles per 1 USD
Eligible prepaid hotel stays
Book through: Renowned Hotels and Resorts for United Cardmembers
Travel
2 MileagePlus miles per 1 USD
Eligible airfare, trains, transit, cruises, hotels, car rentals, rideshare, resorts, and tolls
Dining
2 MileagePlus miles per 1 USD
Restaurants and eligible delivery services
Select streaming services
2 MileagePlus miles per 1 USD
Eligible streaming subscriptions
All other eligible purchases
1 MileagePlus mile per 1 USD
All other eligible purchases
United Club Card
Visa · Open
United purchases
5 MileagePlus miles per 1 USD
Eligible United tickets and qualifying United purchases
MileagePlus flight earnings stack separately; the advertised total can be higher
Renowned Hotels and Resorts
5 MileagePlus miles per 1 USD
Eligible prepaid hotel stays
Book through: Renowned Hotels and Resorts for United Cardmembers
Travel
2 MileagePlus miles per 1 USD
Eligible non-United travel purchases
Dining
2 MileagePlus miles per 1 USD
Restaurants and eligible delivery services
All other eligible purchases
1 MileagePlus mile per 1 USD
All other eligible purchases
Business
United Business Card
Visa · Open
United purchases
2 MileagePlus miles per 1 USD
Eligible United tickets and qualifying United purchases
Business and everyday categories
2 MileagePlus miles per 1 USD
Restaurants, gas stations, office-supply stores, local transit, and commuting
All other eligible purchases
1 MileagePlus mile per 1 USD
All other eligible purchases
United Club Business Card
Visa · Open
Renowned Hotels and Resorts
5 MileagePlus miles per 1 USD
Eligible prepaid hotel stays
Book through: Renowned Hotels and Resorts for United Cardmembers
United purchases
2 MileagePlus miles per 1 USD
Eligible United tickets and qualifying United purchases
All other eligible purchases
1.5 MileagePlus miles per 1 USD
All other eligible purchases
Hotel cards
IHG One Rewards
Personal
IHG One Rewards Traveler Credit Card
Visa · Open
General eligible purchases
3 IHG One Rewards points per 1 USD
General eligible purchases
IHG One Rewards Premier Credit Card
Visa · Open
General eligible purchases
3 IHG One Rewards points per 1 USD
General eligible purchases
Business
IHG One Rewards Premier Business Credit Card
Visa · Open
General eligible purchases
3 IHG One Rewards points per 1 USD
General eligible purchases
Marriott Bonvoy
Personal
Marriott Bonvoy Bold Credit Card
Visa · Open
General eligible purchases
1 Marriott Bonvoy point per 1 USD
General eligible purchases
Marriott Bonvoy Boundless Credit Card
Visa · Open
General eligible purchases
2 Marriott Bonvoy points per 1 USD
General eligible purchases
Marriott Bonvoy Bountiful Credit Card
Visa · Open
General eligible purchases
2 Marriott Bonvoy points per 1 USD
General eligible purchases
World of Hyatt
Personal
World of Hyatt Credit Card
Visa · Open
General eligible purchases
1 World of Hyatt point per 1 USD
General eligible purchases
Business
World of Hyatt Business Credit Card
Visa · Open
General eligible purchases
1 World of Hyatt point per 1 USD
General eligible purchases
Travel cards
Personal
Chase Sapphire Preferred Card
Visa · Open
General eligible purchases
1 Ultimate Rewards point per 1 USD
General eligible purchases
Chase Sapphire Reserve
Visa · Open
Chase Travel
8 Ultimate Rewards points per 1 USD
Eligible purchases through Chase Travel, including The Edit
Book through: Chase Travel
Flights booked directly
4 Ultimate Rewards points per 1 USD
Eligible airfare purchased directly from airlines
Hotels booked directly
4 Ultimate Rewards points per 1 USD
Eligible hotel purchases made directly with hotels
Dining worldwide
3 Ultimate Rewards points per 1 USD
Eligible restaurant, takeout, and delivery-service purchases
All other eligible purchases
1 Ultimate Rewards point per 1 USD
All other eligible purchases
Business
Ink Business Preferred Credit Card
Visa · Open
General eligible purchases
1 Ultimate Rewards point per 1 USD
General eligible purchases
Sapphire Reserve for Business
Visa · Open
General eligible purchases
1 Ultimate Rewards point per 1 USD
General eligible purchases
Cash back cards
Personal
Chase Freedom Rise
Visa · Open
General eligible purchases
1.5 Ultimate Rewards points per 1 USD
General eligible purchases
Chase Freedom Flex
Mastercard · Open
General eligible purchases
1 Ultimate Rewards point per 1 USD
General eligible purchases
Chase Freedom Unlimited
Visa · Open
General eligible purchases
1.5 Ultimate Rewards points per 1 USD
General eligible purchases
Business
Ink Business Cash Credit Card
Visa · Open
General eligible purchases
1 Ultimate Rewards point per 1 USD
General eligible purchases
Ink Business Unlimited Credit Card
Visa · Open
General eligible purchases
1.5 Ultimate Rewards points per 1 USD
General eligible purchases
Ink Business Premier Credit Card
Visa · Open
General eligible purchases
2 Ultimate Rewards points per 1 USD
General eligible purchases
Shopping & other cards
Amazon
Personal
Amazon Visa
Visa · Open
General eligible purchases
1 Amazon rewards per 1 USD
General eligible purchases
Prime Visa
Visa · Open
General eligible purchases
1 Amazon rewards per 1 USD
General eligible purchases
Disney
Personal
Disney Visa Card
Visa · Open
General eligible purchases
1 Disney Rewards Dollars per 1 USD
General eligible purchases
Disney Premier Visa Card
Visa · Open
General eligible purchases
1 Disney Rewards Dollars per 1 USD
General eligible purchases
Instacart
Personal
Instacart Mastercard
Mastercard · Open
General eligible purchases
1 Cash back per 1 USD
General eligible purchases
How earning works
Eligible spend on a directly participating card
1 Ultimate Rewards point per 1 USD
What counts: Eligible purchases on a directly participating product
Does not count: Fees, returns, cash equivalents, and product-specific exclusions
Pricing rules matter more than the word “free,” which is doing heroic work in most loyalty brochures.
Airline cards
United MileagePlus
Personal
United Gateway Card
Visa · Open
Two checked-bag certificates
Earn two standard checked-bag certificates after USD 10,000 in calendar-year purchases.
Primary Cardmember only · United- and United Express-operated flights · Certificates expire 12 months after issue
United Explorer Card
Visa · Open
Free first checked bag
The primary Cardmember and one companion receive one free standard checked bag each on an eligible itinerary.
Card must be used for the ticket · MileagePlus number must be on the reservation
Priority boarding
The primary Cardmember and companions on the same reservation board before general boarding on United-operated flights.
Global Entry, TSA PreCheck, or NEXUS credit
Up to USD 120 as a statement credit every four years for one eligible application fee charged to the card.
United Quest Card
Visa · Open
Annual award-flight discount
Receive a 10,000-mile discount for an eligible award flight each account anniversary year.
Two free checked bags
The primary Cardmember and one companion receive the first and second standard checked bags free on an eligible itinerary.
Card must be used for the ticket · MileagePlus number must be on the reservation
Priority boarding
The primary Cardmember and companions on the same reservation board before general boarding on United-operated flights.
United Club Card
Visa · Open
Spend-based award-flight discounts
Earn a 10,000-mile award-flight discount after USD 20,000 in purchases, up to twice each calendar year.
Two free checked bags
The primary Cardmember and one companion receive the first and second standard checked bags free on an eligible itinerary.
Card must be used for the ticket · MileagePlus number must be on the reservation
Premier Access travel services
Priority check-in, security screening where available, boarding, and baggage handling on eligible United travel.
Business
United Business Card
Visa · Open
Better-together anniversary miles
Receive 5,000 bonus miles each account anniversary year when the primary Cardmember also holds an eligible personal United card.
Free first checked bag
The primary Cardmember and one companion receive one free standard checked bag each on an eligible itinerary.
Card must be used for the ticket · MileagePlus number must be on the reservation
United Club Business Card
Visa · Open
Better-together anniversary miles
Receive 5,000 bonus miles each account anniversary year when the primary Cardmember also holds an eligible personal United card.
Two free checked bags
The primary Cardmember and one companion receive the first and second standard checked bags free on an eligible itinerary.
Card must be used for the ticket · MileagePlus number must be on the reservation
Premier Access travel services
Priority check-in, security screening where available, boarding, and baggage handling on eligible United travel.
Travel cards
Personal
Chase Sapphire Reserve
Visa · Open
USD 300 annual travel credit
Receive up to USD 300 in statement credits for eligible travel purchases each account anniversary year.
Purchases receiving the credit do not earn points
Ways to redeem
Issuer travel booking
Value and availability depend on the eligible product and booking channel
Search: Official issuer travel or rewards portal
Online: Available
Phone: Limited
Cash or statement credit
Value depends on the currency, product, and selected redemption
Search: Official rewards account
Online: Available
Phone: Limited
The useful question is not whether a partnership exists. It is where you can earn, where you can transfer, and which footnote is waiting to spoil the headline.
Partner directory
Airline transfer partners
Airline programs currently available through the featured currency's governed transfer channel.
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- British Airways Club
- Emirates Skywards
- Iberia Club
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
Hotel transfer partners
Hotel programs currently available through the featured currency's governed transfer channel.
- IHG One Rewards
- Marriott Bonvoy
- World of Hyatt