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The Guide to Chase’s Travel Portal

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Table of Contents

Who can use the portal?

Benefits of booking travel in the portal, is chase's travel portal worth using, does chase's travel portal price match, how to use chase's travel portal, what else you need to know, chase travel portal tips, recapped.

Chase's travel portal is one of the best features of having a Chase credit card. Earning Ultimate Rewards® with credit cards like Chase Sapphire Preferred® Card and Chase Sapphire Reserve® can deliver big value if you know how to navigate Chase's travel portal.

Much like third-party booking sites like Orbitz or Expedia , you can use Chase's travel portal to book flights, hotels and cruises, among other things. You can redeem points to offset the cost of the trip or pay in cash. You won’t have to worry about blackout dates or award inventory caps like you may find when using airline miles or hotel points for the same trip since you are essentially buying travel with cash.

Within the portal, you can also redeem points for merchandise or transfer them to other travel loyalty programs if you are short on miles and points there. In short, having a flexible points currency like Chase Ultimate Rewards® is one of the smartest routes you can take in the miles and points game. Booking travel through Chase's travel portal is simple. Here’s what you need to know about the portal.

» Learn more: Chase Ultimate Rewards®: How to earn and use them

Not all Chase cards have the same benefits. Only some cards earn Ultimate Rewards® points; others may earn loyalty miles and points with an affiliated partner. For example, the United℠ Explorer Card earns United MileagePlus miles.

These are examples of cards that earn Chase Ultimate Rewards® and give access to Chase's travel portal:

Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card .

Chase Freedom Unlimited® .

Chase Freedom Flex℠ .

Ink Business Preferred® Credit Card .

Ink Business Cash® Credit Card .

Ink Business Unlimited® Credit Card .

on Chase's website

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Point value in the travel portal: 1.25 cents apiece.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Point value in the travel portal: 1.5 cents apiece.

• In the first year, 6.5% cash back on travel purchased through Chase, 4.5% cash back on drugstores and restaurants, and 3% on all other purchases on up to $20,000 in spending.

• After that, 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Point value in the travel portal: 1 cent apiece.

Point value in Chase travel portal: 1 cent apiece.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» Learn more: The best travel credit cards right now

Earn points on paid reservations

The primary reason you may want to book travel via Chase's travel portal is that you earn Chase Ultimate Rewards® on paid reservations. You can earn 5x points on airfare booked within the portal and 10x points on hotels and car rentals.

That can really add up, but beware that when booking hotels with Chase Ultimate Rewards®, you are not eligible to earn points with the hotel loyalty program or reap elite status benefits since it is using a third-party service. The tradeoff can vary by property, but using Chase's travel portal is especially helpful when booking unaffiliated hotels or hotel brands where you usually do not collect points or have elite status. In those instances, you are less likely to be passing up the perks of points earning and elite status.

Earn points on airfare even for redemptions

When booking airfare through Chase, you do earn miles no matter if you pay with cash or points. This makes using points for airfare via the travel portal more beneficial than redeeming for a hotel.

Earn bonus points for restaurant bookings

You can even earn bonus points when making restaurant bookings through the portal. This can be a great way to enhance your trips with great dining in advance rather than chatting with your hotel concierge.

Shop for the best value redemption

Since the value per Chase Ultimate Rewards® points is relatively constant, using the travel portal may not always be the best option. You may be able to spend fewer points if you book the same trip with the specific airline or hotel's points instead of Chase Ultimate Rewards® points. This is more common with itineraries with high cash prices, like a hotel night that's particularly expensive. Always compare the cost of using traditional miles and points over using Chase points to see which offers better value. In some cases, you may want to transfer Chase points to partner programs to squeeze more value from them.

One example where that could be exceptional value is for expensive business class tickets that also have award availability. Let’s say you’re looking for a United business class ticket between Newark and London. If the cash cost of a one-way ticket is $2,505, that will cost you 250,500 Ultimate Rewards® points when redeeming at a value of one penny per point. In this example, it may be worth redeeming MileagePlus miles instead.

For this flight, the one-way mileage cost is 91,700 miles. Even if you don’t have enough United miles, you could transfer that amount from Chase Ultimate Rewards® (since they are partners), and save yourself a nice chunk of Chase points in the process. It is always best to compare the cash cost with the redemption cost using both Chase and the airline or hotel’s own loyalty program.

» Learn more: The best Chase transfer partners — and the ones to avoid

Chase's travel portal can be worth using in specific scenarios.

Redemptions: You hold the Chase Sapphire Reserve® , the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card and want to make a redemption. The first two cards get an elevated point value of 1.5 cents apiece when redeeming points and booking travel in the portal; the latter gets 1.25 cents apiece.

Bookings. You hold the Chase Sapphire Preferred® Card , the Chase Freedom Unlimited® or the Chase Sapphire Reserve® and want to earn bonus points. The Chase Sapphire Preferred® Card and the Chase Freedom Unlimited® typically earn 5x points per $1 spent on all travel purchased through Chase's travel portal, while the Chase Sapphire Preferred® Card earns 5-10 points per $1 spent on Chase Dining, hotel stays, rental cars and air travel purchased through Chase's travel portal.

Otherwise, you might be wise to book travel directly with the airline, hotel or rental car company, which can simplify cancellations or changes to your bookings. You can do this with cash, card or by transferring points to one of Chase's transfer partners.

» Learn more: The guide to Chase transfer partners

Despite being powered by Expedia — an online travel agency that includes a Price Match Promise — Chase's travel portal does not offer customers a price matching benefit.

Capital One Travel has price drop protection that will advise you when to buy and refund you if the price of your flight drops by a certain amount after purchase.

Once logged into your Chase account, you’ll find a sidebar on the right of the page with your Chase Ultimate Rewards® balance. Once you click on it, it brings up a variety of options for how to spend your points. Choose “travel” to take you to the standard booking page where you can enter your plans for flights, cruises, rental cars, hotels or other activities.

Depending on the card you have, your points are worth between 1-1.5 cents per point. The best value card is the Chase Sapphire Reserve® , which offers 1.5 cents in value per point to redeem through the portal, while the Chase Freedom Unlimited® only values points at a penny per point. This means that Chase determines the number of points you’ll need to redeem for an award based on the cash cost of the travel you are trying to book.

It’s easy to search for the travel you want. Chase has partnered with Expedia to run the search engine, but this has limited the search function a bit with some low-cost airlines no longer appearing. Be mindful of this when making a reservation (perhaps check to see if the airfare is similar to the basic economy or main cabin price on the airline’s website first).

The advanced options button lets you sort by airline and class of service.

Much like other online booking engines, once you find the travel plans you like, you enter your personal details. The best part of using the travel portal is that you can pay in full with points, cash or use a mix of points and cash. You can adjust the amount of points you want to spend for your trip and the website will display how much remaining cash you owe. If you need more points, you can transfer them from other Chase Ultimate Rewards® earning accounts you may have to boost your balance.

The process for booking hotels or car rentals is similar to reserving a flight, giving you the option to use a mix of cash or points.

To book a cruise with points, however, you’ll have to call Chase directly.

Another exception is when making a reservation at Luxury Hotel and Resort Collection properties, you can only make a cash reservation (you pay upon checkout) and cannot redeem Ultimate Rewards® points. You may still want to reserve through the portal, though, since it means you are eligible for additional perks like daily breakfast for two and a special amenity that varies by the hotel.

You can also reserve activities at home or your destination and pay for them in cash or with points. These include tours, museum visits and other local experiences.

Chase may charge a service fee on certain reservations. You will want to weigh whether this small charge is worth the benefit in Chase Ultimate Rewards® points you may use.

Many hotel companies offer member-only rates to entice you to book directly with them rather than through a third party. You’ll want to weigh whether earning Chase Ultimate Rewards® points is more valuable than the difference in the lowest rate booked directly with the hotel company.

When making any reservation through Chase's travel portal, you will be at the mercy of its own policies when it comes to changing or canceling a ticket. You will have to contact Chase directly to adjust your plans since you made it independently of the airline or hotel company. This can make it especially difficult with last-minute travel plan changes.

» Learn more: Advanced tips for redeeming Chase Ultimate Rewards

With a little comparison shopping for your travel plans, you can squeeze exceptional value from points via the Chasee's travel portal. They can be redeemed like cash for travel, but always be sure to compare a reservation using Chase points to the cost of using hotel or airline points.

Sometimes, it may be less advantageous to use Chase points since you will lose out on travel-related perks. Other times, you’ll come out ahead since you can save cash using points, which is helpful when there is no award availability for your preferred travel plans.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Booking a Cruise with Chase Ultimate Rewards: A Quick Guide

If you’re like me and love earning rewards through credit card points, booking a cruise with Chase Ultimate Rewards might be an exciting option. Chase Ultimate Rewards points are known for their flexibility, allowing users to book various types of travel, such as flights, hotels, and rental cars, directly through the Chase portal. But what about cruises? After researching this topic, I’ve discovered that it’s entirely possible, and there are some essential details to keep in mind.

Before diving into the specifics, it’s essential to share that Chase Ultimate Rewards points can be used to book cruises, but the process is slightly different than booking flights or hotels. Instead of using the online travel portal, you need to call Chase to book your dream cruise. This may seem inconvenient, but calling a cruise advisor from Chase can come with some benefits, such as personalized assistance in selecting and booking your trip. It’s also important to note that cruise fares should be the same as booking directly with the cruise line, ensuring that you’re getting a fair deal.

Chase Ultimate Rewards Overview

I find the Chase Ultimate Rewards program to be one of the most versatile and valuable credit card rewards programs out there. When I use a Chase credit card, like the Chase Sapphire Preferred Card or the Chase Ink Business Preferred Card, I earn Ultimate Rewards points for each dollar spent. These points can be redeemed for travel expenses, statement credits, experiences, or even transferred to travel partners, such as airlines and hotel chains.

One of the key benefits of the Chase Ultimate Rewards program is the  Chase Travel Portal , where I can redeem my points for travel directly through Chase. This can be especially useful when there are no award flights available, or if I find a cheap fare that requires fewer points to book than transferring to a travel partner.

While booking flights, hotels, and rental cars through the Chase Travel Portal is straightforward, booking a cruise with Chase Ultimate Rewards points requires a different approach. Unfortunately, I cannot book a cruise directly through the online portal, but instead, I’ll have to call the  Ultimate Rewards booking hotline  to make a reservation.

When booking a cruise with points, I must keep in mind that the redemption value might not be as high as when I redeem points for other types of travel. However, for those who love cruising, using Chase Ultimate Rewards points can still provide a valuable way to pay for a cruise vacation.

Booking a Cruise Options

In this section, I will discuss available options for booking a cruise using Chase Ultimate Rewards. There are two primary methods that I will detail: using the Chase Travel Portal and transferring points to partner programs.

Chase Travel Portal

The Chase Travel Portal is a convenient way to book cruises directly with your Chase Ultimate Rewards points. However, it may not list all possible cruise options, so it’s essential to do thorough research. To book a cruise through the portal, follow the booking process, similar to booking flights or hotels. If you can’t find the cruise you want, you can call Chase’s cruise advisors at  1-866-951-6592  to help you find and book your desired cruise. Cruise advisors are available Monday through Friday, 9 am to 9 pm, and Saturday 9 am to 5 pm.

Transfer to Partner Programs

Another option when booking a cruise is transferring your Chase Ultimate Rewards points to partner loyalty programs, such as airlines or hotels. This can be beneficial if award flights or hotel stays are not available, or if you find a cheap fare through the travel partner. Transferring points to partner programs can help you maximize the value of your points.

Note that not all cruise lines accept points transfers directly. Therefore, transferring points to airlines or hotels may help you save on flights or accommodation related to your cruise vacation. It’s essential to research which transfer partners have partnerships with your chosen cruise line and confirm that your points transfer will provide the best value for your trip.

In conclusion, booking a cruise using Chase Ultimate Rewards points can be done through the Chase Travel Portal or by transferring points to partner programs. It is vital to do thorough research and consult with Chase’s cruise advisors if needed to find the best option for your desired cruise vacation.

Maximizing Cruise Value

As a Chase Ultimate Rewards enthusiast, I’m always looking for ways to get the most value out of my points, especially when it comes to booking a cruise vacation. In this section, I will share my insights and tips on how to maximize the value of your Ultimate Rewards points when planning a cruise getaway.

Top Cruise Line Partners

One of the best ways to maximize cruise value is by booking with top cruise line partners that are affiliated with Chase’s travel partners. Some popular cruise line partners include Royal Caribbean, Princess Cruises, and Norwegian Cruise Line. By transferring Ultimate Rewards points to these partners, I often get better value for my points than by booking directly through the  Chase Travel Portal .

Seasonal and Regional Tips

Another strategy I utilize to maximize value when booking a cruise is considering the season and region of my vacation. Off-peak times, such as the fall and winter months, tend to be cheaper for cruises. Additionally, certain regions might offer better value for your points. For example, Caribbean cruises are often more affordable compared to European cruises. By being flexible with my travel dates and destinations, I can get more value for my Chase Ultimate Rewards points.

Bonus Point Deals

Finally, I always keep an eye out for bonus point deals offered by Chase and their travel partners. These deals can include earning extra points on cruise bookings or redeemable discounts on cruise fares. Regularly checking  The Points Guy  and other points and miles websites, along with monitoring my Chase account, helps me stay up-to-date with the latest deals and promotions, ensuring I get the most value out of my Ultimate Rewards points when booking a cruise vacation.

Required Points and Costs

Determining points needed.

To book a cruise with Chase Ultimate Rewards, I first need to determine how many points are required. The value of the points depends on the specific Chase credit card used. For example, with the Chase Sapphire Preferred Card, points are worth 1.25 cents each when used for travel, while with the Chase Sapphire Reserve, they are worth 1.5 cents each  (The Points Guy) .

Calculating the points needed for a specific cruise means converting the cruise fare (in dollars) to points, based on the card’s point value. To do this, I would divide the total cost of the cruise by the per-point value offered by my card.

Associated Fees and Taxes

When booking a cruise with Chase Ultimate Rewards, it’s important to remember that additional fees and taxes may apply. These can vary depending on the cruise, the destination, and the duration of the trip. Port fees, government taxes, and other miscellaneous fees may not be included in the cruise fare and would need to be paid separately.

Typically, the following costs are associated with a cruise:

• Government taxes
• Fuel surcharges

When using Chase Ultimate Rewards to book a cruise, I must also be aware that some non-cost factors can affect my booking. For example, reward bookings made over the phone may not offer extra onboard credits or other perks that are usually available when booking directly with the cruise line  (Cruise Critic) .

Booking Process

It’s time to book a cruise with my Chase Ultimate Rewards. Here’s a step-by-step guide on how to do that along with some tips for a smooth booking process.

Step-by-Step Guide

To start the process, I need to call a Chase Travel Specialist at  1-866-951-6592  as the online portal may not have all the available cruise options. The specialists are available Monday-Friday 9 am to 9 pm and Saturday 9 am to 5 pm Eastern Time.

Once connected, I’ll provide the Cruise advisor with my desired cruise details, including the cruise line, ship, departure port, date, and itinerary. The specialist will then guide me through the options that meet my criteria.

After selecting a suitable cruise, I’ll provide my passenger details and choose my preferred cabin type. The Chase Travel Specialist will confirm the pricing and help me complete the booking process by redeeming the required number of Chase Ultimate Rewards points.

Tips for Smooth Booking

• Before calling, I should have a general idea of the cruise line, ship, departure date, and itinerary to help the specialist find suitable options more efficiently.
• It’s a good idea to research the cabin types available on the chosen ship. This way, I can provide the Cruise advisor with my preferences and make the booking process faster.
• Having my Chase Ultimate Rewards account details and the necessary passenger details ready before the call ensures a smoother booking experience.
• It’s important to note any cancellation and change policies associated with the chosen cruise, as these may affect my points redemption or any penalties in case of changes or cancellations.

By following these steps and tips, I can confidently book a fantastic cruise using my Chase Ultimate Rewards points.

Cancellation and Changes

As a frequent user of Chase Ultimate Rewards, I’ve found that it’s essential to understand the cancellation and changes policies when booking a cruise. In this section, I’ll provide details about the different aspects of these policies, including change and cancellation processes, as well as refunds and point reversals.

Change and Cancellation Policies

First and foremost, it’s important to keep in mind that the change and cancellation policies for a cruise booked with Chase Ultimate Rewards may vary depending on the cruise line and specific booking terms. Before making any changes or cancellations, I always recommend reviewing the travel provider’s website to find their most updated COVID-19 policy information, as some providers have waived cancellation fees during this time. Additionally,  Chase’s Ultimate Rewards cancellation request form  is available for trips at least eight days in the future. If your trip is departing sooner, it’s best to call the customer support.

Refunds and Point Reversals

Once you’ve determined the appropriate cancellation process, it’s essential to understand how refunds and point reversals will work. In most cases, when canceling a cruise booked with Chase Ultimate Rewards points, the points will be credited back to my account. The exact amount returned may depend on the specific cancellation terms and any applicable fees. Remember that the timeline for receiving these points back may vary and can range from a few days to several weeks.

For cash refunds, it’s important to note that they will typically be processed to the original form of payment, such as a credit card or debit card used at the time of booking. Just like with point reversals, the refund timeline can vary, so it’s essential to be patient and keep an eye on your account for any updates.

In conclusion, when booking a cruise using Chase Ultimate Rewards, it’s crucial to understand the change and cancellation policies, as well as the process for refunds and point reversals. By staying informed and acting accordingly, I can make the most out of my rewards and enjoy a hassle-free travel experience.

Frequently Asked Questions

As I’ve booked cruises with Chase Ultimate Rewards, I’ve come across some common questions that might also be on your mind. I’ve provided short and concise answers to help guide you through the process.

How do I use Chase Ultimate Rewards to book a cruise? To book a cruise with Chase Ultimate Rewards, visit the  Chase Ultimate Rewards  website and log in to your online account. Once logged in, click on the “Earn/Use” tab, followed by the “Travel” icon. From the travel menu, select the “Cruises” tab, and you will be able to either browse available cruise packages or search for a specific offer based on the destination or cruise line.

Are the cruise fares the same as booking directly? Yes, the cruise fares booked through Chase Ultimate Rewards should be the same as what you would see when booking directly with a cruise line or through other travel agencies. However, there might be some differences in extra offers like onboard credit ( Cruise Critic ).

Can I book other travel services with Chase Ultimate Rewards? Yes, in addition to cruises, you can use your Chase Ultimate Rewards points to book flights, hotel stays, rental cars, and various activities. It’s essential to compare your options and decide whether it’s better to book through the portal or transfer points to airline and hotel partners ( The Points Guy ).

Can I use a combination of points and cash to pay for my cruise? Yes, you can use a combination of your Chase Ultimate Rewards points and your credit card to pay for your cruise booking. This option provides more flexibility, allowing you to choose how many points you want to redeem and how much cash you want to pay ( Chase Ultimate Rewards ).

In my experience, booking a cruise with Chase Ultimate Rewards can be a great way to use my points and enjoy a memorable vacation. One of the key aspects I’ve learned is that cruise fares should be the same as what I’d see booking direct, but it can be different when it comes to the additional offers and onboard credits  (Cruise Critic) .

I found that the Chase Ultimate Rewards travel portal allows me to book flights, hotels, rental cars, and more directly with my points  (The Points Guy) . However, when booking a cruise, it is better to call a Chase travel specialist directly. The phone number I used was 1-866-951-6592, and they were available Monday through Friday 9 am to 9 pm, and Saturday 9 am to 5 pm  (Richmond Savers) .

It’s worth noting that some types of cruises, like Disney Cruises, cannot be booked with Chase Ultimate Rewards  (The Points Guy) . So, I recommend checking with the Chase travel specialist to confirm the availability of the desired cruise lines and options.

Utilizing Chase Ultimate Rewards to book a cruise has allowed me to make the most out of my points and create fantastic memories. By keeping these points in mind and communicating with a Chase travel specialist, booking a cruise journey can be a seamless and enjoyable process.

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About the author.

Ryan Kangail

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• What is the Chase Travel Portal?

Benefits of Using the Chase Travel Portal

Chase ultimate rewards credit cards.

• Points Value
• How to Use the Portal to Book Travel

Chase Travel: Explore Destinations and Savings with Chase Ultimate Rewards

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The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠, Chase Freedom® Student credit card. The details for these products have not been reviewed or provided by the issuer.

• The Chase Travel℠ portal works just like an online travel agency.
• You can use points, cash, or a combination of both to book flights, hotels, rental cars, and more. 
• Several Chase cards offer better redemption values or bonus points when you book through the portal.

The Chase Travel Portal℠ is an online booking platform for flights, hotels, rental cars, cruises, activities, and vacation rentals, similar to an Online Travel Agency (OTA). If you're a Chase Ultimate Rewards® cardholder, you can use points to book travel through the portal — or pay with your card or a combination of points and cash.

Chase Ultimate Rewards is one of the most flexible and lucrative credit card rewards programs, and its benefits can be even greater depending on the Chase cards you have. With a no-annual-fee card like the Chase Freedom Flex℠ or Chase Freedom Unlimited® , your points are worth 1 cent each toward travel booked through the portal.

But if you have a Chase travel credit card like the Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , or Ink Business Preferred® Credit Card , you'll get 25% to 50% more value when you redeem your points for travel, plus the ability to transfer your points to Chase airline and hotel partners . 

Some Chase cards also offer bonus points for paid bookings you make through the portal. Chase added lucrative new bonus categories to the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, including certain types of travel booked through the portal.

Here's everything you need to know about booking airfare, hotels, and more through the Chase travel portal — and how to make the most of your Chase Ultimate Rewards points.

What Is the Chase Travel Portal?

The Chase Travel portal works like any other Online Travel Agency (such as Travelocity or Priceline), and the searches you do for hotels, airfare, and more will produce similar results to what you see on that OTA. 

You must be a Chase credit card customer to use Chase travel to book with cash or with points. In fact, you'll only access the Chase Travel portal when you log into your account management page with Chase.

Chase travel lets you book travel directly with Chase Ultimate Rewards points, use your credit card to pay, or combine the two. This is one of the main benefits of using Chase travel — you can spend the rewards points you earn directly on the travel you want without having to worry about dealing with specific hotel or airline loyalty programs. 

There are a few other key benefits to know:

• You'll still earn airline miles and work toward elite airline status: You won't earn points or elite night credits when you book a hotel stay with Chase travel because it's considered a third-party booking. However, you can earn airline and elite-qualifying miles on flights you book as long as your frequent flyer number is attached to the reservation. 
• Your points are worth more with certain Chase credit cards: Also be aware that some Chase credit cards give you more than the standard rate of 1 cent per point when you redeem your rewards for travel through Chase. We'll go into more detail on the cards that offer this perk below.
• The Chase Travel portal is easy to use: If you don't want to deal with a bunch of hotel and airline award charts, booking through Chase travel can help keep your rewards game simple. You'll always be able to use your points for any booking you want without having to worry about blackout dates or capacity controls you would normally encounter with loyalty programs.

To be eligible to use the Chase Travel portal, you'll need a Chase credit card that earns Chase Ultimate Rewards points . 

No-annual-fee Chase cards open to new applicants (points are worth 1 cent each through the Chase Travel portal):

• Chase Freedom Unlimited® (read our Chase Freedom Unlimited review )
• Chase Freedom Flex℠ (read our Chase Freedom Flex review )
• Chase Freedom® Student credit card (read our Chase Freedom Student review )
• Ink Business Unlimited® Credit Card (read our Chase Ink Business Unlimited review )
• Ink Business Cash® Credit Card (read our Chase Ink Business Cash review )

Chase travel rewards cards open to new applicants (points are worth more with Chase travel, plus these cards allow you to transfer points to airline and hotel partners):

• Chase Sapphire Reserve® (read our Chase Sapphire Reserve review )
• Chase Sapphire Preferred® Card (read our Chase Sapphire Preferred review )
• Ink Business Preferred® Credit Card (read our Chase Ink Business Preferred review )

If you have more than one Chase card, you can transfer your Chase Ultimate Rewards points between accounts. It makes the most sense to pool your points in the account that gives you the best redemption value — for example, if you pair the Chase Freedom Unlimited® and Chase Sapphire Reserve®, moving all of your Chase Ultimate Rewards to your Sapphire Reserve account will increase the value of your points when you redeem through the Chase Travel portal.

To pool your points onto one card, log into your Chase online account, navigate to the "Redeem" section for your Chase Ultimate Rewards card, then select the option to combine points in the "Earn/Use" tab:

From there, you can move your Chase points between accounts in any increments you want. 

Points Value in the Chase Travel Portal

Some Chase credit cards give you a bonus when you redeem points through the Chase Travel portal. Here's a summary of how much your points are worth with each Chase card:

It's important to note that Chase Ultimate Rewards points are worth, on average, 1.8 cents apiece based on Personal Finance Insider's points and miles valuations . That's because it's possible to get outsized value when you transfer points to partners for award travel.

How to Use the Chase Travel Portal

Using the Chase Travel portal is a breeze, but it all starts with logging into your online account management page. From there, you'll click on the right side of your screen where it shows your Chase Ultimate Rewards account balance. 

Once you click on the account balance, you'll have the option to select the card you want to access. And remember, this step can be important because some cards give you more value from your points when you redeem them for travel.

How to book a flight through Chase travel

Once you are logged into your Chase Ultimate Rewards account, you'll see different travel options to search for at the top of the page.

To search for a flight, make sure the prompt is on "Flights" and begin searching for the flight you want. Enter your departure airport, destination, travel dates, and the number of passengers.

Once your flight options pop up on the screen, you can filter your results by the number of stops, the airlines you want to fly, and arrival times.

Note that each of your flight options will include a payment amount in points as well as a cash price. 

You can also click on "Details and baggage fees" in order to find out the cost of carry-on luggage or checked baggage, as well as whether your flight charges any change fees.

When you click to "Select" a flight option, you'll get a rundown of what is and isn't included in the fare you selected. You may also get a note that you can upgrade before you check out.

Once you settle on a flight you want, you'll be taken to the "Trip Details" page that shows the final cost of your flight in points or in cash, as well as a summary of the added costs you may be charged for baggage or change fees.

After you agree to the terms, you'll be taken to a final payment page where you can decide how you want to pay. You have the option to cover your flight entirely in points if you want, but you can also choose to pay with your Chase credit card or with a combination of points and your credit card.

During the booking process, make sure to add your frequent flyer number to your reservation. That way, you can earn miles on your booking and your flight will count toward elite status requirements. You'll also want to add your Known Traveler Number or Redress number if either applies to you.

If you forget to do it during your booking, however, you can add your frequent flyer information to your flight later on using the airline's website.

How to book a hotel through Chase travel

Booking a hotel through Chase is similarly easy, and you'll find a lot of different types of lodging options available. For example, you'll find properties from major hotel brands, but you'll also find rental condo options and boutique hotels.

To search for a hotel,  enter the destination, dates, and the number of people you want to have in your room. Once you're presented with your options, you can filter hotels based on the hotel name you're looking for, the area or neighborhood, price point, guest rating, property type, and more. 

Once again, you'll see a price listed in points as well as a cash price per night.

These prices do not include taxes and fees, however, so your price in points or cash will be higher by the time you get to the final booking page. Also be aware that the price listed is the lowest you can get for the property, but that better or upgraded rooms and suites will cost more in points.

The major downside to booking a hotel through the Chase portal is that you won't earn hotel points or elite night credits for your stay, because it's considered a third-party booking. There's also a risk that the property won't recognize your hotel elite status or give you the perks you'd normally be entitled to, like late checkout or free breakfast . This shouldn't be an issue if you're booking an independent or boutique hotel, but if you're looking for hotel points or status, it's something to be aware of.

You'll have the option to select a hotel you want as well as a room type at the property you're considering. You can also pay with your booking with points, your Chase credit card, or a combination of the two. 

How to book a rental car through Chase travel

You can also book a rental car through Chase travel using the same set of steps. Once you log into your Chase Ultimate Rewards account, click on "Cars" and then select the destination and dates.

Once you are presented with your search results, you can select the types of cars you prefer, like an economy car or an SUV. You can also filter results based on a price range, the number of passengers you have, the rental car company, and the type of transmission you prefer (manual or automatic), as well as the total area you want to search in. 

Note that, once again, taxes and fees are not included on the initial search page. Instead, they are added to your total cost when you select a rental car. You can also pay for a rental car through Chase with points, your credit card, or a combination of the two.

How to book activities with the Chase Travel portal

Chase also lets you book a variety of activities through the portal, which they refer to as "Things to Do." Chase activities can include excursions like snorkeling or scuba diving, as well as tours of museums and historic sites. But you can also book more practical options through their activities tab, including airport pickups and other types of transportation.

To search for activities, enter the destination and dates for your trip. You'll be shown a price in points and in cash that does include taxes and fees. You can also filter options based on the type of activity, your interests, and more. Once again, you have the option to pay for activities with your points, your credit card, or a combination of the two.

How to book a cruise through Chase travel

If you're a cruise enthusiast, you should know you can also book cruises through Chase travel. When you select "Cruises" at the top of the Chase Ultimate Rewards search page, you'll be presented with a list of featured cruises and cruise specials.

You can also search for cruises based on the destination or the name of the cruise line. Note, however, that only cash prices are listed for each cruise on the portal, and that you'll have to call Chase to make a booking.

Either way, you can absolutely use your Chase points to pay for all or part of your cruise. Just have your credit card number handy and call their customer service line at 855-234-2542.

How to book a vacation rental through Chase

Chase also offers a selection of vacation rentals, which can include vacation condos, luxury villas, and more. To search, click on "Vacation Rentals" at the top of the main page, then enter your destination, dates, and the number of people in your party.

Once you start your search, you'll have the option to filter results based on the local neighborhood you want, star ratings, price range, guest rating, property type, and more. Like hotels through Chase, the price you are shown excludes taxes and fees, but they will be added to your total once you make a selection.

Also be aware that the price shown in your search results is for the lowest-tier option for each property, and that a larger rental or upgraded rental may cost more in points.

When you book vacation rentals through Chase, you can pay with points, your Chase card, or a combination of the two. 

Use the Chase Travel portal to book Luxury Hotel & Resort Collection properties

If you have the Chase Sapphire Reserve®, you can book properties within the Luxury Hotel & Resort Collection. This list of more than 1,000 properties can be reserved ahead of time, and you'll get extra benefits with each stay such as:

• Daily breakfast for two
• A special benefit worth up to $100
• Complimentary internet access
• Room upgrades when available
• Early check-in and late checkout

One detail to note with this program is the fact that you cannot pay with points. Instead, your online booking will reserve your room, and you'll be charged for the stay when you check out from the hotel. 

Should you transfer Chase points instead?

While you can book travel through the Chase Travel portal directly, many people prefer to transfer points to Chase airline and hotel partners instead. Doing so could let you get more value for each point you redeem , but you'll have to run the numbers to find out for sure.

Here's a good example of how transferring points to a Chase airline or hotel partner can be a better deal, as well as the math you'll need to do to figure this out on your own. Take this one-way flight on Air France from Chicago to Paris, for example, and assume you have the Chase Sapphire Reserve® card, so you're getting 50% more value when you redeem points through the Chase Travel portal.

If you were to book this flight through Chase Travel, you would owe 39,607 points with the Chase Sapphire Reserve®, compared with the cash price of $594.10.

However, you could book an award ticket on the exact same flight through Flying Blue (Air France's loyalty program) directly if you transferred your Chase points there first. In this case, the identical flight would set you back 22,000 miles plus $109.44. This means you would transfer 22,000 miles from Chase to your Flying Blue account, and pay the taxes and fees in cash, or by redeeming points for a statement credit to your account.

When you compare, you'll find that booking with miles directly is a better deal. After you subtract the taxes and fees from the cost of booking through Flying Blue, you wind up with a value of around 2.2 cents per mile.

With the Chase Travel portal, on the other hand, you're forking over 39,607 points for the same flight, and you're getting a value of 1.5 cents for each point if you have the Chase Sapphire Reserve®. 

Accessing Chase Travel is simple. If you're a Chase credit cardholder with Chase Ultimate Rewards points, you can log in to your Chase online account. Once logged in, navigate to the 'Travel" or "Rewards" section, where you'll find the Chase Travel portal. From there, you can search and book flights, hotels, and other travel services using your earned points or card benefits. It's a convenient way to plan and manage your travel adventures.

Chase Travel refers to the travel booking and rewards platform offered by Chase Bank. It's part of the Chase Ultimate Rewards program, allowing cardholders to use their earned points to book flights, hotels, car rentals, and other travel-related expenses. Chase Travel provides a convenient way to plan and book your trips while taking advantage of the rewards and benefits associated with Chase credit cards.

To earn 5% on Chase Travel, consider using a Chase credit card that offers bonus rewards on travel purchases. Cards like the Chase Sapphire Preferred or Chase Sapphire Reserve often offer 5 points per dollar spent on travel booked through the Chase Travel portal. Additionally, taking advantage of limited-time promotions and special offers can also help you maximize your rewards when booking travel with Chase.

Bottom Line

Keep in mind that, no matter which Chase credit card you have, there are other ways you can use your rewards points. You can redeem Chase points for statement credits or cash back, or cash them in for gift cards or merchandise. And if you have a premier Chase travel credit card, you can transfer your points to Chase airline and hotel partners at a 1:1 ratio.

However, booking travel through Chase can make your life considerably easier — especially if you don't like dealing with complicated hotel and airline programs. You may not get as much value from your points as you would if you booked a premium flight with airline miles, but the Chase Travel portal does offer the flexibility to book the flight you want without any blackout dates or hoops to jump through.

The Chase Travel portal offers yet another way to maximize rewards earned with a Chase credit card. Just make sure to consider all your options and the value you're getting for your points before you pull the trigger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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How to use the chase travel portal, you can use chase points to book flights, hotels, car rentals and more through its travel portal..

With the right amount of planning, it's possible to book your entire vacation, including flights , hotels , cruises , car rentals , tours and other activities, entirely on points through the Chase travel portal.

But are you getting the best deal by doing this instead of transferring Chase Ultimate Rewards® points to travel partners and booking directly? It turns out there's a lot more to consider — everything from travel date flexibility and brand variety to the credit card you're using — if you want to get more value for your points by booking through Chase Travel SM .

Below, CNBC Select breaks down the best ways to book flights, hotels, cruises, tours and vacation activities through the Chase travel portal with Ultimate Rewards® points.

How to use the Chase travel portal

• How to earn and redeem Chase Ultimate Rewards points

How to get started with the Chase travel portal

How to book flights through the chase travel portal, how to book rental cars, cruises, and other travel activities, bottom line, how to earn and redeem chase ultimate rewards® points.

To access Chase Travel SM , you'll need to have a credit card that earns Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , Ink Business Preferred® Credit Card , Ink Business Unlimited® Credit Card , Ink Business Cash® Credit Card , Chase Freedom Unlimited® or Chase Freedom Flex℠ .

The easiest way to earn Chase Ultimate Rewards points quickly is by taking advantage of the lucrative welcome bonuses offered by certain rewards cards: 

• You'll earn 60,000 points by signing up for the Chase Sapphire Preferred and spending $4,000 within the first three months of opening your account.
• With the Ink Business Preferred Credit Card 's welcome bonus, you'll earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel SM.
• The Chase Sapphire Reserve 's welcome bonus gives you 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

The card you're using to redeem UR points will also affect your point redemption value . For instance, if you're using the Chase Sapphire Preferred to book through the Chase Travel SM portal, points are worth 25% more (1.25 cents per point). But if you're booking through Chase Travel℠ with the Chase Sapphire Reserve , points are worth 50% more (1.5 cents per point) — the other $0 annual fee Chase cards each carry a redemption rate of 1 cent per point.

That means the bonus points you'd earn from either the Chase Sapphire Preferred's welcome bonus is worth $750 towards travel and the Chase Sapphire Reserve's is worth $900 towards travel.

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

Ink Business Preferred® Credit Card

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

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

21.24% - 26.24% variable

Good/Excellent

Read our Ink Business Preferred® Credit Card review.

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

To reach the Chase travel portal, log into your Chase account, then click the area near the right side of the screen where it says the amount of your Chase UR points. Depending on how many Chase credit cards you have, you may be asked to choose which one you want to proceed with.

The next screen is your credit card's main dashboard, showing how many UR points you currently have, as well as any deals or bonus opportunities. On the top of the page, you'll see several menus with redemption options.

While not the best redemption in terms of overall value, you could choose to use your Chase points for Apple and Amazon purchases, cash them in for gift cards and experiences, or reimburse yourself for certain recent charges through Chase's Pay Yourself Back tool . This is also where you can transfer points directly to one of Chase's 14 travel partners if you have a specific flight or hotel in mind. Otherwise, click "book travel" to enter the Chase travel portal.

From here, you'll be able to search for flights, hotels, rental cars, activities and cruises. Simply choose your category, plug in your desired dates and details, and book with points, cash or some combination of the two.

There are a few pros and cons to consider when booking flights through the Chase travel portal. You won't have to worry about blackout dates or limited award availability, which makes it great if you're not flexible with dates and flight times. Just make sure you compare the number of points needed through the Chase travel portal with how many points the airline would require if you were using its own miles, especially if you're hunting for a good deal on economy seats.

The catch with using the Chase travel portal is you won't be able to shop for tickets on low-cost carriers like Spirit Airlines, Frontier Airlines, or Allegiant Air — you can search for flights on Alaska, Southwest, Delta, JetBlue, American, and United. You'll also be able to book flights on most international carriers.

Remember that you can still earn miles and elite credits on flights, as tickets booked through the Chase travel portal are categorized as "paid" rather than as an award flight since you're "paying" for them with points instead of cash. Consider the taxes and fees you might have to pay if you were to transfer the points straight to one of Chase's travel partners versus booking directly through the portal, and to calculate and compare how many points and miles you'd earn by booking with either method.

You'll be able to search, filter, and sort by price, airline, booking class, departure time, arrival time, and departure airport. For this example, below, consider a round-trip flight from Seattle to Austin with sample dates of Feb. 1–7, 2024, booked through the travel portal with a Chase Sapphire Preferred card (redemptions are worth 1.25 cents per point):

Results included 107 results with an economy mix-and-match United and Delta fare for $370 or about 29,600 points being the most affordable option. For comparison's sake, the points price is about the same as what United and Delta are currently charging if you were to book the awards directly through the airlines, but Delta isn't a transfer partner of Chase. You also won't earn miles if you were to book these awards through the airlines, whereas you will earn miles when booking through Chase.

To finish booking your flight through the travel portal, select your route(s), review the details, choose how many points you'd like to use and complete your purchase.

How to book hotels through the Chase travel portal

While the best redemption rates are usually realized when you transfer Chase Ultimate Rewards points at a 1:1 ratio to hotel partner World of Hyatt, if you're not a huge fan of chain hotels or prefer boutiques or brands like Hilton, Choice Hotels, or Wyndham, it can be a good idea to book them through the travel portal. 

As with flights, you won't have to worry about blackout dates or limited award night availability. However, keep in mind that hotels treat the Chase travel portal as a third-party booking agency, so you won't be able to earn hotel points on stays as you might by booking your stay directly with the hotel.

Hyatt hotels usually offer better deals when you book directly, and since it's one of Chase's hotel partners, you can transfer UR points instantly at a 1:1 ratio. Marriott and IHG are usually more varied, so you may score a better deal by booking via the Chase travel portal instead of transferring points over. For this reason, it's a good idea to ring up how much your hotel stay would cost in points through the portal as well as the hotel's website.

Start by searching by destination so you can see a list of all the available hotels. For this example, let's try looking for hotels in Downtown Austin from Feb. 1–7, 2024. Once the results appear, you'll be able to narrow down your search with filters based on price, star ratings, guest ratings, amenities and neighborhood.

Let's go over a couple of options within the Chase travel portal, each booked with a Chase Sapphire Preferred credit card. One option is the Four Seasons Hotel Austin, which is listed for $556 or about 44,500 points per night through Chase. If you book through Four Seasons, directly, you'll pay $561 per night. The hotel chain also doesn't have a rewards program but going through Chase provides a way to pay with points.

Another example is the Hyatt Place Austin Downtown for $288 or about 23,000 points per night through Chase. If you were to book this directly through Hyatt, you'd pay $279 per night as a member of its loyalty program or just 15,000 World of Hyatt points per night if you booked with points. Since you can transfer your Ultimate Rewards points to Hyatt at a 1:1 ratio, in this case, transferring would make more sense.

As you can see, it's worth comparing points required by the travel portal and each hotel's website, as the time of year, location, and other factors may play a part in pricing. To book your stay through the travel portal, select your room type, review the details, choose how many points you'd like to use and complete your purchase.

It's a pretty similar process if you want to book rental cars, tours and other travel activities through the Chase travel portal. Cruises can also be booked as well, but you'll need to call.

As far as car rentals, make sure you're booking through the travel portal with points that are connected to Chase Sapphire Preferred or Chase Sapphire Reserve to take advantage of extra perks like primary rental car insurance — you'll also need to decline the rental car company's auto collision damage waiver when you book to activate this. You'll want to charge at least a few dollars to the card and not use points to cover the entire booking which ensures that you're still "paying" for the car rental with your Sapphire card, which means you'll be entitled to the card's rental car insurance.

Beyond that, simply plug in your itinerary and search. Here's an example for a rental in Austin from February 1–7, 2024, booked with a Chase Sapphire Preferred credit card:

You'll be able to filter your search by capacity, car type, price per day, company, and car options (like air conditioning and automatic transmission). For a seven-day rental, it would cost around 24,800 points or $310 for the cheapest option. As with other travel portal purchases, you'll be able to enter how many Chase Ultimate Rewards points you wish to put toward the final price. It works the same way for booking tours and other travel activities, so you could potentially enjoy a free — or nearly free — vacation solely on Chase points if you were to plan it all out properly.

Booking through the Chase travel portal can be a great use of your Ultimate Rewards® points, but make sure to compare the rates against booking directly with an airline or hotel itself. Finally, consider transferring your points to one of Chase's travel partners, especially if you're looking to book a luxury hotel or flight in business class.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card guide is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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A traveler’s guide to the Chase Travel portal

Tamara Aydinyan

Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 5:23 p.m. UTC Nov. 28, 2023

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For qualifying Chase cardholders, the easy-to-use Chase Travel℠ portal offers a flexible and convenient way to book hotels, flights, rental cars, cruises and more using points or a combination of points and cash.

What is the Chase travel portal?

A favorite among frequent travelers for its versatility and redemption options, Chase Ultimate Rewards® (UR) is one of the major transferable credit card rewards points programs and UR points are Chase’s flexible rewards currency.

The Chase travel portal works much like an online travel agency (OTA) similar to Orbitz or Priceline where you can book hotels, flights, cars, activities and cruises. But unlike a traditional OTA, with the Chase travel portal you can book travel with your Chase card’s rewards points, cash or a combination of the two.

Who can use the portal?

A handful of exclusively Chase-issued credit cards grant cardholders access to the Chase travel portal, but how you can utilize the portal and the value you can receive is card-specific.

The following credit cards are the only cards that earn Chase Ultimate Rewards points outright:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

But if you or a household member own at least one of the cards above, the rewards on the following cash-back credit cards can be combined with any of the cards listed above and used as Chase Ultimate Rewards points:

• Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Chase Freedom Unlimited®
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

And while the points earned cannot be combined with any of the UR-earning cards, the following pay-in-full card does have access to the Chase travel portal:

• Ink Business Premier℠ Credit Card * The information for the Ink Business Premier℠ Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Is the portal worth using?

It’s often said that having the right travel credit card is important, but knowing how to redeem your miles and points can be as paramount as which card you use to earn them. However, not everybody has the patience or interest to learn the intricacies of different rewards programs to maximize the value of every mile and point.

So while transferring UR points to individual loyalty programs is still one of the best ways to get the most cents per point at a 1:1 basis, for those who value simplicity, the Chase travel portal offers a straightforward way to book travel, earn and redeem points and still receive a great deal. Best of all, you won’t be limited by any loyalty program or award space availability.

When transferring points, the minimum you can transfer is 1,000 points to the following UR travel partners with either the Chase Sapphire Reserve, Chase Sapphire Preferred or the Ink Business Preferred cards:

Regardless of how you’re using the Chase travel portal, it’s worth considering the pros and cons.

• The standard rate for Ultimate Rewards points when redeemed for travel through the Chase travel portal is 1 UR point = 1 cent, but can be worth significantly more with the UR-earning cards. The Chase Sapphire Reserve gets a redemption value of 1.5 cents per point through the Chase Travel℠ portal while the Chase Sapphire Preferred and Chase Ink Business Preferred cards each get 1.25 cents per point.
• Since you’re not limited to any loyalty programs, you can use your UR points to book boutique hotels that you’d otherwise only be able to book with cash.
• Flights booked through the Chase travel portal can earn frequent flyer miles and can be used toward advancing your elite status.
• You can earn a substantial amount of bonus points when booking through the Chase portal depending on the card you’re using.
• You can use a combination of points plus cash to purchase your reservation.
• Hotels booked through the Chase travel portal do not earn hotel points or credits toward elite status. Any elite status perks you’d receive if booking directly with the hotel will likely be forgone.
• If you experience any issues while traveling, you’d have to go through Chase to resolve the issue. For example, if there is a problem with your hotel reservation, you’ll have to contact a Chase representative for help resolving it since you didn’t book directly with the hotel. Dealing with a middleman during travel emergencies is less than ideal and something to be wary of when considering booking through the portal.
• Southwest Airlines flights do not show up in the UR travel portal, but can be reserved by calling the Chase Travel Center at 855-233-9462.

How to book travel through the Chase travel portal

You can access the Chase travel portal by logging into your Chase account and clicking on the Rewards balance on the right or by going to the Chase Ultimate Rewards website .

Once you’re logged in, if you have more than one UR-earning Chase card, you’ll be asked to select one to proceed with — a crucial step as each card has different earning and redemption rates.

After clicking on your selection, you will be taken to the Ultimate Rewards dashboard. If you click on the Earn / Use dropdown button, all of your Ultimate Rewards options will be presented. Click on Travel to proceed to the portal.

Once in the travel portal, you’ll  have the option of selecting the type of booking you’d like to make.

From there, your user experience will be similar to any other OTA where you can search your travel options.

Because the Chase travel portal doesn’t limit you to transfer partners or loyalty programs, you’ll be able to search almost all major airlines. One notable exception is Southwest Airlines, which is still bookable using UR points but will require a phone call to the Chase Travel Center to reserve your flight.

One difference compared to a traditional OTA is the option to buy in cash, points or a combination of both.

If you’re short on points or if you’d like to offset the cash price with some points, you’re given the option to choose how to pay.

After that, you’ll be prompted to enter your traveler information and you’re all booked. However, you will have to log into the specific airline with your reservation code in order to reserve seats.

Booking hotels through the Chase travel portal is a similar process. And with the portal’s easy-to-use search function, you can find boutique hotels that would otherwise be unbookable with loyalty-program-based points.

However, if you have elite status with a hotel chain, you’ll want to book directly rather than going through the Chase portal in order to access status benefits and have that hotel stay count toward achieving a higher status. Or, you can transfer UR points to one of three UR hotel loyalty program transfer partners, including Marriott Bonvoy, World of Hyatt or IHG One Rewards.

Rental cars can also be booked through the portal in a similar fashion. And as in many cases, being aware of which card you’re booking your car rental with can make a big difference in case of an accident as both the Chase Sapphire Reserve and Chase Sapphire Preferred offer primary car insurance , an uncommon, money-saving benefit, which saves you from having to file a claim with your private car insurance carrier first.

A quick guide to the Chase Ultimate Rewards program

As some of the most sought-after flexible points, Chase Ultimate Rewards can be accrued through several avenues. The most lucrative way is by applying for Chase credit cards and earning their respective welcome bonuses — but be wary of Chase’s 5/24 rule , which blocks applicants from opening a Chase credit card if they’ve opened five or more cards from any issuer in the past 24 months.

If you have two Chase cards that earn UR points, you can then transfer the rewards earned to the card that carries the most redemption value. For example, you can open the Chase Sapphire Preferred card and then the Chase Freedom Flex and move any points earned on the Flex card to the Preferred card, which has a boosted value of 25% more when redeemed through the portal.

Looking to add more than one new credit card to your wallet? Here’s why you shouldn’t apply for multiple cards at the same time.

Outside of regular credit card spending, you can also grow your Ultimate Rewards pile by using the Chase shopping portal. By adding just one extra step to your online shopping, you can earn bonus points for your future travels.

While transferring points to partners is one option to maximize the value of your Chase Ultimate Rewards points, there are numerous other ways to use the Chase Ultimate Rewards program to your benefit. Whether it’s redeeming your points as a statement credit for eligible, rotating categories throughout the year through the “Pay Yourself Back” feature, booking special dining experiences with your points or using the portal to book your next vacation, the Chase Ultimate Rewards program’s flexibility makes it a great option regardless of your lifestyle.

Frequently asked questions (FAQs)

Chase Ultimate Rewards (UR) are Chase Bank’s flexible rewards currency that can be earned on several of its credit cards.

The Chase travel portal can be accessed through the Chase app or the Chase website. After logging in, you can select the option to book travel.

You can use your Chase travel credit, like the up to $50 annual hotel statement credit offered by the Chase Sapphire Preferred, by booking your travel through the Chase travel portal. The statement credit will automatically be applied to your account within one to two billing cycles after your purchase posts to your account — up to an annual maximum accumulation of $50.

You can redeem your Chase Ultimate Rewards directly through the travel portal with almost all major airlines with the exception of Southwest Airlines, which can be booked over the phone. With Southwest, select the flight you want at Southwest.com and then call Chase Travel Center at 855-233-9462 with the flight details.

The value you receive from the Chase travel portal will depend on the credit card you’re using. For example, if you have either the Chase Sapphire Reserve or the Chase Sapphire Preferred, your points are worth either 50% or 25% more, respectively, when redeemed for travel.

*The information for the Chase Freedom Flex℠, Ink Business Preferred® Credit Card and Ink Business Premier℠ Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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How to Book Cruises With Chase Ultimate Rewards Points

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Lots of folks I talk to are interested in using miles & points for cruises, but the problem is there aren’t any useful or valuable cruise line co-branded credit cards.  But that doesn’t mean you can’t use points to book cruises.

The obvious answer is to earn rewards with a cash back credit card and pay for a cruise that way.  But you can also use flexible points, like Chase Ultimate Rewards points, to pay for your cruises!

And because I know lots of you already have a healthy stash of Ultimate Rewards points, here is a quick reminder of how simple it is to use them for your next cruise vacation.

How to Use Chase Ultimate Rewards Points to Pay for a Cruise

You can book your cruise through the Chase Travel Portal, but you can’t book it online.  You’ll have to find the cruise you want to take and call 866-951-6592 to book it.

It’s possible to search for cruises through Chase’s travel portal, but I’m not sure there is any advantage to doing it this way.

That’s because you’ll still need to call in and the Chase phone agent I talked to said they get their prices directly from the cruise line.  So whatever price you find online should be the price you’ll pay when booking with your Chase points, unless it’s a special promotion offered by someone other than the cruise line itself.

I did notice that the cruises listed on the Chase Travel Portal often have bonus credits listed.  So when you call to book, be sure to double check if there are any specials available.

The only major cruises you can’t book through Chase are cruises that visit Cuba.

Make Sure You’re Paying With the Right Chase Card!

All Chase Ultimate Rewards points are only worth 1 cent each when you redeem them for cash back.  So a $500 cruise would cost you 50,000 Chase Ultimate Rewards points ($500 cruise price/ 1 cent per point).  But when you book travel through the Chase Travel Portal you’ll get more value for your points with certain cards.

With the Ink Business Preferred Credit Card or the Chase Sapphire Preferred® Card, your points are worth 1.25 cents each toward travel booked through the Chase Travel Portal.  And with the Chase Sapphire Reserve® card, your points are worth 1.5 cents each toward travel (like cruises!) booked through the portal.

You have the option of paying for only part of your cruise with Chase Ultimate Rewards points.  But you’ll need to pay the rest with a Chase credit card.

Bottom Line

Flights and hotels aren’t the only things on the menu when it comes to Big Travel with Small Money .  You can use your Chase Ultimate Rewards points to pay for cruises, too!

When you book your cruise by calling the Chase Travel Portal team, you can get more value for your Chase Ultimate Rewards points (depending on which Chase card you have).

Hope this helps!  If you’re looking for more miles or points, check out our Hot Deals page for a current list of the top credit card offers !

Jason Stauffer

Jason Stauffer was a writer for Million Mile Secrets where he covered points, miles, credit cards, airlines, hotels and general travel. His work has appeared in The Points Guy and NextAdvisor.

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Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

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Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates. 

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus three insider tips to help you decide if you should add it to your credit card lineup.

Here’s a quick overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card

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3 key benefits cardholders get from the autograph journey .

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

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10 Luxury Cruise Lines That Will Make You Want to Ditch Plane Travel Forever

Posted: April 17, 2024 | Last updated: April 17, 2024

Thinking about booking your next dream vacation? As stunning as land-locked adventures and beautiful hotels can be, there’s something to be said about sailing the seas. Fortunately for us, nowadays, there are cruise ships that far exceed the family-fun agenda of the classic companies so often advertised on TV. While there’s absolutely nothing wrong with those cruise liners, there’s something special about not only traversing the ocean but doing so decked out to the nines. With that in mind, we’ve rounded up the best luxury cruise lines of 2023. Ahead, uncover the company that best aligns with your idea of the ultimate water-bound getaway.

Silversea is the “jewel in the crown” of the Royal Caribbean Group, not to mention the original luxury cruise line, first entering the space in 1994. The company touts 12 all-inclusive ships with destinations all over the world. Whether you want to explore the American West Coast, South America, Northern Europe and the British Isles, Africa, Asia, Australia and New Zealand, or even Antarctica, Silversea has a cruise to fit your fancy.

Speaking of fancy, the most luxurious cruise that Silversea offers is its 125-Day Chile to Norway sail, which rings up at $94,700. You don’t have to invest that much to enjoy a Silversea cruise, though. No matter which type of suite you book, you can expect butler service, optional 24/7 in-suite dining, endless access to premium beverages and craft cocktails, and complimentary caviar around the clock.

Explore Silversea Cruises

Paul Gauguin

Paul Gaugin stands out for its single-ship escapade into the luxury cruise space. With a variety of cruises that explore French Polynesia and the South Pacific, Paul Gauguin is a small-ship cruise line with 7-, 10-, 11-, and 14-night itineraries that focus on intimate experiences, delectable cuisine, stunning stateroom balcony views, butler service, and more. With a 1:1.5 crew-to-guest ratio, you can rest assured knowing that all of your needs will be met aboard the m/s Paul Gauguin.

Explore Paul Gauguin Cruises

Scenic Luxury Cruises & Tours

Scenic is unique in that it not only offers luxury ocean cruises but river cruises, too. The brand prides itself on operating and innovating with guest experience in mind. As such, all of its cruises have so much to offer voyagers, from extensive dining, leisure, and wellness options to striking design elements that will make you want to stay aboard for much longer than your itinerary.

Scenic Luxury Cruises & Tours has nine ships with oceanic destinations spanning from the Arctic and Europe to the Caribbean and Australia. Meanwhile, if you find yourself in France, you may want to check out Scenic’s beloved river cruises, in which you can tour the Seine in the utmost style.

Explore Scenic Luxury Cruises & Tours

Ponant has a fleet of 13 luxury cruise ships with destinations dotting the globe. The award-winning French cruise line is beloved for its tailor-made voyages, in which guests have access to myriad bespoke experiences both on and off board, from in-room dining to once-in-a-lifetime immersive excursions.

Since Ponant ships offer smaller capacity—more akin to a private yacht experience—they’re able to navigate private ports and preserved locations that large-scale cruise ships are unable to access. While aboard Ponant’s all-inclusive ships, you can anticipate exceptional French cuisine, delicious fine wines, complimentary Champagne and spirits, room service, and more.

Of course, if you need further inspiration to look into the cruise line, perhaps the fact that three-mast yacht, Le Ponant, is part of the Relais & Châteaux portfolio will do the trick.

Explore Ponant Cruises

Crystal is renowned for its personalized voyages all over the world, not to mention its palatial suites that will leave you picking your jaw up off the floor. In addition to well-appointed design, the cruise line offers an impressive dining experience, with authentic cuisines from all over the world. So whether you’re in the mood for American, Italian, Peruvian, or Japanese food, you’ll have ample options to choose from.

It’s also worth mentioning that the luxury cruise line took it to the next level with its spa, Aurora Spa. The gorgeous, sea-view spa offers a variety of face, body, salon, and healing treatments, including massages, facials, acupuncture, Chinese herbal medicine, and even IV drip therapy—so you won’t have to worry about feeling hung over at sea (especially considering the cruise line offers complimentary Champagne, fine wines, and premium spirits).

Explore Crystal

Windstar Cruises

Windstar Cruises operates a six-ship fleet dedicated to extraordinary sailing experiences. With small ships that carry less than 350 passengers, Windstar prides itself on offering guests intimate, aesthetic, unforgettable voyages spanning from Asia and Australia to Italy and Iceland.

While the staterooms and suites are stunning and the shore excursions are aplenty, it’s the food that really stands out aboard Windstar. As the official cruise line of the James Beard Foundation, Windstar offers a number of themed culinary cruises with food and bev from some of the most notable chefs of today, including Maxime Bilet (The Cooking Lab) and Jose Mendin (Pubbelly Noodle Bar, Habitat, Baja Bao).

Explore Windstar Cruises

The Ritz-Carlton Yacht Collection

The Ritz-Carlton is synonymous with luxury, so it’s no surprise that the company extended into oceanic adventures with a fleet of three superyachts. Where the Evrima was built in 2021, the Ilma and Luminara yachts are forthcoming in 2024 and 2025.

While classic cruise lines have a capacity in the thousands, often edging upward of 4,000, the Ritz-Carlton superyachts offer a more curated experience to 500 passengers or less. From the outside, the yachts are sleek and serene, fitting in beautifully with the sea. Within Evrima’s walls, though, moody modern interiors with magnificent ocean views await.

Guests can look forward to soaking tubs, expansive private balconies complete with sun beds and a whirlpool, walk-in wardrobes, and more. As far as destinations are concerned, The Ritz-Carlton Yacht Collection embarks on oceanic adventures in the Mediterranean and Caribbean.

Explore The Ritz-Carlton Yacht Collection Cruises

Seabourn is a luxury cruise line that speaks to our soul—and for more reasons than the simple fact that it touts a “Veranda Suite Upgrade.” The luxury cruise line sets sail in the Arctic, Canada and New England, the Amazon, Arabia, Africa, and India, and more.

Each of the fleet’s yachts, which carry between 458 and 600 guests, is outfitted with ocean-view suites only, so no matter what excursion you book, you can anticipate traveling in luxury style with a picturesque backdrop. You can also look forward to mouth-watering cuisine courtesy of renowned chef Thomas Keller.

Explore Seabourn Cruises

Cunard is known for its iconic black funnels, yes, but more so for its unparalleled large-scale onboard experiences. Although each of the cruise line’s ships carries upwards of 1,500 passengers, the four-ship fleet is adored for its luxury itineraries, stylish design, tranquil spa offerings, delectable cuisine, and unmatched comfort at sea.

Truly, if your goal is to book an unforgettable, Instagram-worthy cruise, Cunard is the way to go. From the stunning suites (decked out in pops of rich color, sumptuous textiles, and spectacular lighting) to the picturesque destinations, Cunard has it all.

Explore Cunard Cruises

Regent Seven Seas Cruises

If you want to get the most bang for your buck when booking a luxury cruise, Regent Seven Seas Cruises is a prime pick. The all-inclusive cruise line crafts a new definition of the category with complimentary roundtrip airfare, free unlimited shore excursions, include 2- to 3-night land programs, on-the-house bar and lounge experiences, and more.

The six-fleet cruise line is also known for its gorgeous interiors, complete with modern aesthetics, Art Deco embellishments, stunning chandeliers, and more. When traveling with Regent Seven Seas Cruises, guests can traverse the seven seas, with destinations in Africa and Arabia, Asia, Australia and New Zealand, the Caribbean and more. And if you don’t want to pick a single destination, there’s always the option to book a grand voyage or world cruise, which can last up to 168 days and cost upwards of $100,000.

Explore Regent Seven Seas Cruises

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I Cut My Hotel Price in Half Using Costco Travel and Still Earned Solid Travel Rewards

Brett Holzhauer

Content Contributor

10 Published Articles

Countries Visited: 22 U.S. States Visited: 29

Katie Seemann

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Costco Travel Remains a Staple in My Toolbelt

Booking through costco travel, booking through marriott, final thoughts.

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When you’re a seasoned points and miles fan, it can become a ritual to simply book all your flights and hotel directly through the airline or hotel brand. This is typically more beneficial than not, as you earn loyalty status and also get direct customer service if something goes wrong.

But occasionally, I’ve found it to be beneficial to book through Costco Travel. Although I typically use this service for rental cars only, I’ve found some solid value in the last few months by using Costco’s all-in-one travel portal.

Here’s what you need to know about how I saved money through Costco Travel for my upcoming Mexico trip.

It’s shocking to me when I tell people about Costco Travel since many people don’t even know it’s a benefit. While it’s not always the best route to go, it’s a great resource to keep in mind when you’re looking for the best deal for your next trip.

On the platform, you can book hotels, rental cars, cruises, and theme park-related getaways, and you don’t need a membership to look through the website to see the available deals. However, you do need a membership (or a friend with a membership) to book through Costco Travel .

If you find a Costco Travel deal worth booking and aren’t a member, simply ask a friend or family member with a Costco membership for their login. I’ve booked rental cars, cruises, and hotels for friends and family through Costco Travel plenty of times with no issue at all. The entire booking can be in someone else’s name, and if you have an Executive Membership, you will earn 2% back to your yearly membership reward.

Regardless of how or where you travel, Costco Travel is worth playing around with, as there can be some great deals.

How I Saved Money Through Costco Travel

Although I recently wrote about how travel prices really haven’t jumped all that much when adjusted for inflation , seeing larger numbers never sits well psychologically. To add insult to injury, I’ve been pretty “points broke,” so I found myself using cash rather than credit card rewards for my recent travels.

When an opportunity came up to book a nice 5-day getaway in Cancun (a short 1.5-hour flight from Fort Lauderdale, Florida), I jumped right at it. But wow, some of these hotels are charging absurd prices. So I did some digging and found an incredible deal through Costco Travel. Here’s how the numbers shake out for a 5-night stay at the JW Marriott Cancun Resort & Spa and how much it would be if I booked directly through Marriott.

For a 5-night stay for 2 people at the JW Marriott Cancun, I paid $1,905.71, or $381 per night. It was still a bit pricey, but there’s more to take into account.

When booking travel through Costco Travel, you will likely see several promotions or discounts that further incentivize you to book through their portal. And this deal was no different.

For this deal, I’m getting the following perks:

• A $112 Costco gift card
• Private transportation to and from the airport
• $50 daily resort credit during the stay
• $50 spa credit

For the sake of this example, I won’t be counting the resort and spa credits, as booking through Marriott offers the same benefit. But I figure that a $112 Costco Gift Card is essentially a cash rebate. And since I have a Costco Executive Membership, I will earn 2% back on the purchase price, or $38 back. So my out-the-door cost for this stay is $1,755 .

For the $1,905 purchase, I used my Ink Business Preferred ® Credit Card , which earns 3x per $1 spent on travel (and select business categories up to the first $150,000 spent each year), netting me 5,715 Chase Ultimate Rewards Points. At a 2 cents per point valuation , that’s an additional $114 in value for my next trip.

The way I see it, I paid $1,755 for this trip and earned some valuable Chase Ultimate Rewards along the way.

Here’s the sticker shock if I were to have booked through Marriott directly for the same room. For the same 5-night stay when booking direct, I would have paid double — $4,036.

This is for the Transportation Package in Cancun , and while it may say $3,315 for the stay, it slyly adds in the government taxes and fees at checkout, bringing the total to just over $4,000.

This package comes with roughly the same benefits that Costco Travel was offering, with resort and spa credits and transportation to and from the airport. However, it doesn’t come with the Costco gift card.

But, if I were to book directly with Marriott, I would earn 10 Marriott Bonvoy points per $1 — earning me 40,360 Marriott points. And if I used my Ink Business Preferred card for this purchase as well, I would earn 12,108 Chase Ultimate Rewards points. With our points valuation , this would be $282 and $242 in earned value, respectively.

So, with all factors considered, including the rewards I would earn booking the trip, I would have paid $3,512 — double what I paid going through Costco.

The only benefit I would get booking through Marriott and not Costco Travel is earning toward Marriott elite status . But as I rarely stay at Marriott properties and don’t have status, it wasn’t part of my consideration.

Like any purchase you make today, it’s worth shopping around to see if there are better deals out there. Although it may pain you to make a third-party booking where you can’t take advantage of your loyalty status benefits, your wallet will thank you later. With all that money saved, you can definitely afford an extra hot dog on your next trip to Costco.

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About Brett Holzhauer

Brett is a personal finance and travel junkie. Based out of Fort Lauderdale, he’s had over 100 credit cards and earned millions of credit card rewards. He learned the tricks of the trade from his mom, and has taken many steps forward. He wasn’t exposed to much travel as a kid, but now has a goal of reaching 100 countries in his life. In 2019, he sold all of his possessions to become a digital nomad, and he says it was one of the best decisions he ever made. He plans to do it again at some point in his life.

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A History of Moscow in 13 Dishes

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5 secrets to getting a luxury cruise for less

Editor's Note

Luxury cruises range in price from expensive to outrageously expensive. But the value of high-end ships is clear: For the money, you get more fare inclusions, nicer accommodations, upscale dining and higher space-to-passenger and crew-to-passenger ratios than on big, mass-market ships.

Still, sometimes you want the luxe for less.

You'll never find a cheap luxury cruise, but you can find sailings that are less expensive than others (either when sorting by the total cost or the per-night rate). You might have to compromise on sail dates or take a risk with the weather, but you can get great value by choosing the cruise less traveled.

Here are the five most affordable luxury cruises we could find so you can save a little bit when you sail in style.

For more cruise guides, news and tips, sign up for TPG's cruise newsletter .

Fall Caribbean cruises

Caribbean cruises might be the bread and butter of mass-market cruise lines, but they don't have the same prominence among the itineraries of the luxury lines. Tropical cruises on luxury lines tend to be shorter sailings, taking place in the fall and winter (rather than year-round) and often targeting younger professionals who might not have the time to take two-week vacations.

Combine those factors with a shoulder-season fall travel date (between mid-September and the week before Christmas), and you have yourself a more affordable luxury cruise.

For example, Regent Seven Seas Cruises ' 2024-2025 Caribbean season runs from November through March. The least expensive sailing for the season takes place in early December in the travel lull between Thanksgiving and Christmas. Fares start at $4,299 per person for a weeklong round-trip cruise from Miami. A similar seven-night sailing costs $4,999 ($700 more) in February.

Related: How to snag cruise ship suites for less

Shoulder-season Alaska cruises

No matter which cruise line you sail, it's a truth universally acknowledged that the first and last Alaska sailings of the season are the most affordable. Why? Timing and weather.

The Alaska cruise season begins in late April or May and runs through September and occasionally October. These travel dates are often nonstarters for families who wait for the summer school break to take their vacations. Even travelers not bound by school schedules sometimes shy away from these cruises because of the imperfect weather conditions.

In May, temperatures can still be chilly in Alaska, waterways in glacier areas can be clogged with ice, Alaska's famous salmon haven't started to run and bus service at Alaska's famed Denali National Park hasn't yet begun. In September and October, the temperatures start dropping — and the rain keeps falling — and attractions such as Denali begin to close.

All that said, if you're willing to take a risk on the weather and aren't planning a land tour up to Denali, you can score a deal on a high-end Alaska sailing during these off-peak times.

In 2025, a September Alaska cruise on Silversea starts at $4,500 per person on Silver Moon. The same cruise in July starts at $5,900, making the shoulder-season cruise $1,400 less expensive. Even better, May is less rainy than July, so you could experience sunnier days on the more affordable sailing.

Related: The best time to go on a cruise

Transatlantic crossings

Many travelers choose their cruise for the ports of call. Cruisers are drawn to the destinations, whether they're checking exotic ports off their bucket list or love spending time on the beach. It's no surprise, then, that longer-than-average itineraries with few to no port calls are not warmly embraced by many cruise fans (except for devoted sea-day lovers).

Because many cruise ships regularly reposition between Europe (where they spend the summer) and the Caribbean (where they spend the winter), transatlantic crossings are inevitable. To attract guests, the cruise lines add interesting onboard activities and guest lecturers to the voyage, and they lower prices. If you love relaxing sea days and would revel in spending day after day in the middle of the ocean, an ocean crossing is a surefire way to get a luxury cruise experience for less.

Small, all-inclusive line SeaDream is a solid example of how affordable transatlantic sailings can get. In 2025, SeaDream 1 will sail its last Mediterranean cruise of the season from Barcelona to Malaga, Spain, and cruise prices start at $6,799 for an eight-night cruise. The ship then sails from Malaga across the Atlantic to San Juan, Puerto Rico. That 13-night sailing is five nights longer than the preceding cruise, but its starting price is $3,799 — a $3,000 difference.

Entry-level cabins

As a traveler chasing luxury, you're all about the upgrade. To get a great price on a high-end cruise ship, you might want to reconsider your aversion to booking the cheapest rooms.

Entry-level suites on the nicest ships are not the windowless closets you'll find on some of the mass-market ships. They're spacious cabins with either windows or private balconies and separate sleeping and sitting areas; many have nicely appointed, reasonably sized bathrooms and often walk-in or large closets. You'll get the same personal service, have access to the same gourmet dining and can enjoy the same ship amenities (a spa, a serene pool deck, social lounges and more) as folks in the top suites.

Also, you'll pay less. For example, an entry-level suite on luxury line Seabourn 's Seabourn Encore is a veranda suite measuring 246 to 302 square feet with a 68- to 83-square-foot private balcony. On a seven-night Greece and Turkey cruise departing in June 2025, prices for these rooms start at $5,499 per person. Opt for the next suite level up — a 450-square-foot penthouse suite with a 93- to 103-square-foot balcony — and prices start at $9,299. That's an increase of $3,800, all for a suite you won't spend much time in on this port-intensive itinerary.

Related: The best luxury cruise lines for elegance and exclusivity

Suite enclaves on big ships

Several big-ship cruise lines have entered the luxury travel space with suite enclaves that come with extra amenities, and the options can be affordable by luxury standards. These cruises are ideal for families looking for upscale accommodations combined with robust children's programming or luxury travelers who prefer a more casual vibe or a wealth of entertainment and activity options on board.

Options include Norwegian Cruise Line 's The Haven, Royal Caribbean 's Royal Suite Class and MSC Cruises ' Yacht Club. Travelers who book these suites get VIP treatment compared to their shipmates. They have access to exclusive restaurants, lounges and sun decks; get priority boarding and theater seating; and might even receive more fare inclusions such as drink packages, internet access, gratuities and butler service (depending on the category booked).

Cruise fares in these top suites aren't cheap, but they can be comparatively affordable in two ways. First, Royal Caribbean, MSC and Norwegian cruise ships typically sail shorter itineraries than true luxury lines, so you could book a short cruise to spend less on your total vacation cost. Second, while prices are comparable to the luxury lines and can skyrocket when ships start to sell out, you can sail in the ship's top suites for what you'd pay for midlevel on a luxury ship.

For example, you can book an aft-facing penthouse with a large balcony (619 to 668 square feet with a 199- to 248-square-foot balcony) on a seven-night Caribbean cruise on Norwegian Encore for $4,426 per person (including fees) on a February 2026 sailing. It comes with all of NCL's Free at Sea inclusions (drinks, dining, Wi-Fi and shore excursion credit), as well as the services of a butler and concierge, and access to The Haven's private lounge, restaurant and sun deck.

A weeklong Regent Seven Seas cruise to the Caribbean in February costs $10,349 per person for a 655-square-foot Grandeur Suite (with a 166- to 263-square-foot balcony). The cheapest veranda suite on that sailing starts at $4,999 per person — still more expensive than a suite in Norwegian's The Haven.

Related: The 7 best cruise ship suites — picked by someone who has seen them all

Bottom line

A luxury cruise will never be cheap, but you can find ways to spend less when you travel on high-end ships. Booking early and taking advantage of limited-time promotions will also help you save when you sail in style.

Planning a cruise? Start with these stories:

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• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• Top ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

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Moscow-City: 7 surprising facts about the Russian capital’s business center

1. Guinness World Record in highlining

The record was set in 2019 by a team of seven athletes from Russia, Germany, France and Canada. They did it on September 8, on which the ‘Moscow-City Day’ is celebrated. The cord was stretched at the height of 350 m between the ‘OKO’ (“Eye”) and ‘Neva Towers’ skyscrapers. The distance between them is 245 m. The first of the athletes to cross was Friede Kuhne from Germany. The athletes didn't just walk, but also performed some daredevil tricks. Their record is 103 meters higher than the previous one set in Mexico City in December 2016.

2. Domination of Europe's top-10 highest skyscrapers

7 out of 10 Europe’s highest skyscrapers are located in Moscow-City. Earlier, the  ‘Federation Tower’ complex’s ‘Vostok’ (“East”) skyscraper was the considered the tallest in Europe.

Left to right: the lower of the ‘Neva Towers’ (296 m), Commerzbank Tower in Frankfurt (300 m), Gorod Stolits (“City of Capitals”) Moscow tower (302 m), Eurasia tower (309 m), The Shard’ skyscraper in London (310 m), Mercury City Tower (339 m), Neva Towers (345 m).

However, in 2018, the construction of the 462 meter tall ‘Lakhta Center’ in Saint-Petersburg was completed, pushing ‘Vostok’ (374 m) into 2nd place. The 3rd place is taken by OKO’s southern tower (354 m).

3. The unrealized ‘Rossiya’ tower

If all the building plans of Moscow-City were realized, the ‘Lakhta Center’ in St. Petersburg wouldn't have a chance to be Europe's highest skyscraper. Boris Tkhor, the architect who designed the concept of Moscow-City, had planned for the ‘Rossiya’ tower to be the tallest. In his project, it was a 600 meter tall golden cylindrical skyscraper ending with a spire that was inspired by traditional Russian bell towers. Then, the project was reinvented by famous British architect Sir Norman Foster. He had designed ‘Rossiya’ as a pyramid ending with a spire. The skyscraper itself would have been 612 meters tall, and the height including the spire would have reached 744,5 meters (for comparison, the ‘Burj Khalifa’ in Dubai, UAE, would have been just 83,5 meters taller). Unfortunately, the investors faced a lot of economic problems, due to the 2008 financial crisis, so the ‘Rossiya’ skyscraper was never built. A shopping mall and the ‘Neva Towers’ complex was constructed at its place in 2019.

4. Changed appearance of ‘Federation Tower’

In its first project, the ‘Federation Tower’ was designed to resemble a ship with a mast and two sails. The mast was to be represented by a tall glass spire with passages between the towers. It was planned to make a high-speed lift in it. The top of the spire was going to be turned into an observation deck. But the ship lost its mast in the middle of its construction. Experts at the Moscow-city Museum based in the ‘Imperia’ (“Empire”) tower say, that the construction of the spire was stopped, firstly, due to fire safety reasons and secondly, because it posed a threat to helicopter flights – the flickering glass of the spire could potentially blind the pilots. So, the half-built construction was disassembled. However, an observation deck was opened in the ‘Vostok’ tower.

5. Open windows of ‘Federation Tower’

We all know that the windows of the upper floors in different buildings don’t usually open. Experts say that it’s not actually for people’s safety. Falling from a big height is likely to be fatal in any building. The actual reason is the ventilation system. In a skyscraper, it’s managed with a mechanical system, and the building has its own climate. But in the ‘Zapad’ (“West”) tower of the ‘Federation Tower’ complex, the windows can open. The 62nd and last floor of the tower are taken up by a restaurant called ‘Sixty’. There, the windows are equipped with a special hydraulic system. They open for a short period of time accompanied by classical music, so the guests can take breathtaking photos of Moscow.

6. Broken glass units of ‘Federation Tower’

The guests of the ‘Sixty’ restaurant at the top of the ‘Zapad’ tower can be surprised to see cracked glass window panes. It is particularly strange, if we take into consideration the special type of this glass. It is extremely solid and can’t be broken once installed. For example, during experiments people threw all sorts of heavy items at the windows, but the glass wouldn’t break. The broken glass units of ‘Zapad’ were already damaged during shipment . As each of them is curved in its own way to make the tower’s curvature smooth, making a new set of window panes and bringing them to Russia was deemed too expensive . Moreover, the investors had financial problems (again, due to the 2008 financial crisis), so the ‘Vostok’ tower even stood unfinished for several years. Eventually, the cracked window panes were installed in their place.

7. The highest restaurant in Europe

‘Birds’, another restaurant in Moscow-City, is remarkable for its location. It was opened at the end of 2019 on the 84th floor of the ‘OKO’ complex’s southern tower. Guests at the restaurant can enjoy an amazing panoramic view at a height of 336 meters. On January 28, the experts of ‘Kniga Recordov Rossii’ (“Russian Records Book”) declared ‘Birds’ the highest restaurant in Europe, a step toward an application for a Guinness World Record.

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