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Credit cards

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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• Airport lounges
• Dining & experiences
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Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card * each year. Each year, your first $300 in travel purchases will not earn rewards points. *

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. *

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. *

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. *

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. *

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. *

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. *

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. * For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. *   Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. *

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. *

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. Offer ends 12/31/2024 . *

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. * This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. * That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. * From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

From ordering your favorite gourmet takeout to restocking your groceries with a free DashPass membership on both DoorDash and Caviar. You’ll pay a $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027 * . Plus DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account * and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos. *

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. *

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. *

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. *

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & vet services by September 30, 2024. *

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® and Amazon.com. *

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select. *

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind *

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection *

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. *

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. *

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. *

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. *

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service *

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app * to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. *

Go paperless

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The Complete Guide To Using the Chase Travel Portal — Maximize Your Options

Katie Seemann

Senior Content Contributor and News Editor

370 Published Articles 66 Edited Articles

Countries Visited: 28 U.S. States Visited: 29

Senior Editor & Content Contributor

149 Published Articles 768 Edited Articles

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Table of Contents

Why book travel through the chase travel portal, cards that earn chase ultimate rewards points, what are chase ultimate rewards points worth, earning chase points by booking travel, how to access the chase travel portal, how to book a flight through chase travel, how to book a hotel through chase travel, how to book a rental car through the chase travel portal, how to book activities through chase travel, how to book a cruise through the portal, how do the prices compare to other sites, other ways to use the chase travel portal, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Key Takeaways

• The Chase Ultimate Rewards Travel Portal allows cardholders to book travel using points at a fixed value, typically 1 to 1.5 cents per point, depending on the card.
• The portal offers flights, hotels, cruises, car rentals, and experiences. Users can pay with points, a Chase credit card, or a combination of both.
• You can also use the portal to pay with points at Amazon, Apple, and PayPal, purchase gift cards, and transfer points to Chase airline and hotel partners.

Chase Ultimate Rewards is one of the major transferrable points programs and a favorite among many travelers. Points are easy to earn and can be transferred to many different hotel and airline partners. But you can also book travel directly through Chase’s travel portal using Ultimate Rewards points.

Booking travel through the Chase Travel portal is simple and can be a great way to use your points.

We’ll show you everything you need to know about how to redeem your points, including the benefits, how to know what your points are worth, and how to book airlines, hotels, and more through the Chase Travel portal.

Generally, you can get maximum value from your Chase Ultimate Rewards points by transferring them to the Chase airline and hotel partners , so why are we talking about using points through a travel portal? While it’s true that the only way to get the highest value redemptions is by transferring, there is still a lot of value to be had by booking directly through the Chase Travel portal.

Flexibility

Flexibility is not often available with points bookings. Unlike an award booking, booking through Chase Travel is like using any other online travel agency (OTA) . There are no blackout dates or limited inventory award seats. If a flight or hotel is available, you can book it with points through the Chase travel portal.

You Can Earn Frequent Flyer Miles

One of the major bummers of booking flights with frequent flyer miles is that you don’t earn miles on award bookings. You can end up doing a lot of travel without earning miles. However, any booking you make with your Chase Ultimate Rewards points through the Chase Travel portal will earn frequent flyer miles and accrue status points. Unfortunately, hotel and car rental bookings still won’t earn points.

We have talked to so many people over the years that love the idea of collecting points and miles but don’t want to deal with the hassle. While many don’t mind putting a little work into getting an awesome redemption, others are just looking for a simple way to book travel and hopefully save some money in the process.

That’s where the Chase Travel portal comes in. With this method of redeeming points, there is no transferring, comparing points values, blackout dates, limited award availability, or multiple travel accounts. You only have to deal with 1 type of point and 1 travel portal but can still retain many of the benefits of collecting points and miles in the first place.

Bottom Line: You can book flights, hotels, rental cars, activities, and cruises through the Chase Travel portal.

If you like the idea of using the Chase Travel portal, you’ll need a credit card that earns Chase Ultimate Rewards points:

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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℠.
• 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• 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℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• 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
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• No elite travel benefits like airport lounge access
• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable

There are also some great cash-back cards from Chase that can be used to book travel through Chase Travel. The points earned on these cards can be converted into cash-back or alternatively, they can be used in the Chase travel portal.

• Chase Freedom Flex℠
• Chase Freedom Unlimited ®
• Chase Freedom ® card (no longer open to new applicants)
• Ink Business Cash ® Credit Card
• Ink Business Plus ® Credit Card (no longer open to new applicants)
• Ink Business Unlimited ® Credit Card
• Ink Business Premier ® Credit Card

It’s easy to earn lots of Chase Ultimate Rewards points , but do you know how much they are worth ? If you’re transferring your Chase Ultimate Rewards points to a travel partner, their value will go up or down depending on the type of redemption.

However, when you are booking your travel directly through Chase’s travel portal, each Chase Ultimate Rewards point has a set value that won’t change . The credit card you have will determine the value of your Chase Ultimate Rewards points.

Transfer Your Points Between Credit Cards for Maximum Value

If you have multiple Chase credit cards, it makes sense to transfer your points to the card with the most valuable redemption rate. The only exception to this is the Ink Business Premier card because points earned on this card can’t be transferred to any other card.

1. To transfer your points between 2 cards, log on to the Chase dashboard and select Combine Points .

2. Then you will be able to select the card you want to transfer points from and the card you want to receive the points. After you choose, click Next.

3. You can transfer all of your points or just what you need. Click Review to continue.

4. Double-check the details and click on the Submit button to complete the transfer.

Bottom Line: Your credit card will determine the value of your Chase Ultimate Rewards points. Your points are worth between 1 to 1.5 cents each depending on which credit card you’re redeeming points through. 

What if you’d prefer to pay for your travel with a Chase credit card to earn Ultimate Rewards points? The number of points you’ll earn through the Chase travel portal is dependent on which credit card you have and what type of travel you’re purchasing.

You can log into your account in 2 ways.

First, you can go directly to the Ultimate Rewards website to log in or you can log in through your Chase account .

If you’re in your Chase account, click on one of your Ultimate Rewards credit cards and then click on Redeem next to the card’s Ultimate Rewards balance.

Then choose the card you want to use.

From here you can access Chase Travel by clicking on Travel  in the top search box or you can switch to another card’s account by clicking on the 3-line icon in the upper left-hand corner.

1. In the Travel section of your Ultimate Rewards account, click on Flights to start your search for a flight. As with any other OTA, you begin your search by inputting basic information such as departure and arrival city, travel dates, and the number of passengers.

2. Next, you will be able to narrow your search results . At the left-hand side of the page, you can filter your results by things like airline or flight times. Then you can sort your results by price, trip duration, or times using the drop-down box at the top of the search results.

3. For each flight option, you’ll be able to see the price in dollars and in points on the right-hand side of the results box.

4. Once you’ve found the flight you want, click the blue Select button. Next, you can choose your return flight using the same process as you did for selecting the outbound flight. Click the blue Select button once you have made your choice.

5. From here you can confirm your flight details and select a fare upgrade if you wish. Then, you’ll be able to choose how to pay for your flight . You can pay for the entire purchase with points or a Chase credit card, or you can split your payment between points and a Chase credit card.

6. Finally, input your passenger information next. Don’t forget to add a frequent flyer number, a Known Traveler Number, or a Redress number if you have them.

Hot Tip: When purchasing travel through the Chase travel portal, you can split your payment between Chase Ultimate Rewards points and a Chase credit card.

1. To book a hotel through the Chase Travel portal , you’ll need to start by clicking on the Hotels tab in the main search box. Then, input your destination, check-in and check-out dates, and the number of travelers. Next, click on the blue Search button.

2. Your search results will look like other sites that you may be familiar with. You’ll see filtering options to the left and sorting options above your search results.

3. Each search result will show the price in both dollars and Chase Ultimate Rewards points. These prices include taxes and fees with the exception of resort fees.

4. Once you select your hotel, click on Add to Itinerary . You can choose to pay for all or part of your hotel cost using Ultimate Rewards points. Click Begin Checkout to input your reservation details and finalize your booking.

Hot Tip: When booking a hotel through the Chase Travel portal, you won’t be eligible to earn points in the hotel’s loyalty program or take advantage of any elite status you may have.

The Luxury Hotel and Resort Collection

The Luxury Hotel and Resort Collection (LHRC) is exclusively for Chase Sapphire Reserve cardholders. From the Ultimate Rewards travel home page, just click on The Luxury Hotel & Resort Collection tab.

Once you are on the LHRC homepage, type in your destination and click Search to view available properties. Each listing will display the property’s unique cardmember benefits. Click on the listing for more information and to continue the booking process.

When booked through the Chase Travel portal, these properties offer the following benefits:

• Daily breakfast for 2
• Special amenity (varies by property)
• Room upgrades (based on availability)
• Early check-in and late checkout (based on availability)

The Luxury Hotel and Resort Collection properties are reservation-only bookings. You’ll make your reservations online and payment doesn’t happen until you check out from the hotel. These bookings will not take Chase Ultimate Rewards points as payment.

Bottom Line: Luxury Hotel and Resort Collection properties are only available to Chase Sapphire Reserve cardmembers. These properties can’t be booked with points.

1. To rent a car through the Chase Travel portal, start by clicking on the Cars tab in the main search box. Then, input your pick-up location, drop-off location, dates, times, and age of the driver. Click on the blue Search box to continue.

2. You can then narrow your search with the filtering options on the left-hand side of the page.

3. For each car option, you will be able to see the car details, rental company, and price in both dollars and Chase Ultimate Rewards points. Once you have selected the car you want to rent, click on Add to Itinerary .

4. You can pay for the entire purchase with points or a Chase credit card or split your payment in any amount. Double-check all of the details before completing your purchase.

Did you know you can also book activities through Chase Travel?

1. Click the Activities tab on the Ultimate Rewards travel homepage to get started. Then, input your destination and travel dates and click the Search button to continue.

2. You can narrow your search by selecting 1 or more categories at the left-hand side of the page. Categories can include things like:

• Classes & workshops
• Cruises & sailing
• Food & drink
• Outdoor activities
• Seasonal & special occasions
• Tickets & passes
• Tours & sightseeing
• Transfers & ground transport
• Unique experiences

3. Each activity will show the price in both dollars and points to the right side of the screen. Click on Show Details and Pricing for more information and to book the activity.

6. Double-check all of the details on the final page before completing your purchase. Click the box confirming you understand the travel disclosures, then click Complete Checkout to finish your purchase.

Bottom Line: You can book lots of activities through the Chase Travel portal, including airport transfers!

If you’re a fan of cruises, you’ll be pleased to know you can book them through your Chase Travel portal. To get started, click on the Cruises tab on the Ultimate Rewards travel homepage.

This will bring up a list of available cruises, but there’s also a search box at the top of the screen, so you can input a specific destination or cruise line.

Each listing will display the cruise line, ship, ports of call, sailing dates, and baseline pricing for an interior or oceanview cabin. Unfortunately, if you want any more specific information or if you want to book, you will need to call 855-234-2542 .

You’ll notice that only cash prices are listed for cruises, however, they can be booked using your Chase Ultimate Rewards points, too.

Hot Tip: You can book a cruise through Chase Travel but you’ll have to call to make your reservation as they can’t be booked online.

Are you getting a good deal by booking through Chase? Let’s look at how the prices available through the Chase Travel portal stack up to other OTAs and search engines including Hotwire , Kayak , and Expedia .

We did some flight searches and found there’s no clear-cut pattern on prices between the Chase portal to other websites.

Example #1: Round-trip flight between Philadelphia (PHL) and San Francisco (SFO) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between Alaska Airlines and Delta Air Lines for $526.20. This worked out to be the cheapest price we found, and Priceline had the same low price. Expedia and Hotwire both charge booking fees, making the price a little higher. Each airline’s own website couldn’t split the itinerary between different airlines, so those ended up being much more expensive.

If you are in doubt or would like to check prices yourself, Kayak is a great place to start. Kayak will show you prices for a flight on all of the OTAs as well as the airline’s website. It’s a great one-stop shop to compare flight prices.

Example #2: Round-trip flight between New York City (JFK) and Paris, France (CDG) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between American Airlines and British Airways for $689.78. This wasn’t the overall best price we found, though. That award goes to Expedia and Priceline.

Hot Tip: You will earn frequent flyer miles when you book your flight through the Chase Travel portal.

Example #1: Here’s how prices looked for a week-long stay at the JW Marriott Cancun Resort & Spa in Mexico for 2 people including all taxes and fees. The $291.55 resort fee can’t be paid with points.

In this example, the best cash rate by far was through Marriott. However, if you wanted to pay with points, booking with Chase Ultimate Rewards points through the travel portal would be your best bet.

Keep in mind that Marriott doesn’t have an award chart, so different time periods can have different point costs. A 7-night stay at this hotel can dip down to 240,000 points for a 7-night stay. If you’re going to pay for your hotel stay in points, it’s always smart to calculate how many points it would cost to book through Chase versus transferring points . This information can help you make the best and least expensive choice.

Hot Tip: You won’t earn hotel loyalty points when booking a hotel through Chase and any elite status you have may not be recognized.

Example #2: Let’s look at an example of a hotel that doesn’t have a loyalty program. We priced out a 2-night stay at Almond Tree Inn Hotel in Key West, FL for 2 people. The highest prices were direct via the hotel with all other websites surveyed being cheaper.

Here’s how the prices stacked up:

Chase’s low price matched the other online travel websites and was actually lower than the hotel’s own website, so it would be a great option in this case. It also affords the opportunity to use points for a hotel that doesn’t have its own loyalty program.

Car Rentals

In many cases, car rental prices found through the Chase Travel portal were similar to prices found on the rental agency’s own website.

The main difference in booking through Chase vs. directly through a car rental agency is that the car rental agency often has the ability to book the car without paying up front. With the Chase portal, you will be paying at the time of booking and there may be change or cancellation fees if you need to modify your reservation.

In both of these examples, Chase Travel didn’t offer the lowest price, however, that won’t always necessarily be the case. Of course, the advantage of booking through Chase is the ability to use your Chase Ultimate Rewards points. It’s always a good idea to price out your car rental on a few different websites before booking to ensure you’re getting the best price.

Chase actually offered the lowest prices on activities for both examples:

Earn Bonus Ultimate Rewards Points

The Chase Travel portal also helps you earn bonus points.  With the Shop through Chase feature, you can earn extra Ultimate Rewards points through your online shopping.

Just click Earn Bonus Points in the top search bar to access the shopping portal. Click on a featured store or search for a specific one. Then simply click through the portal to your website of choice to make your purchase. Your bonus points will be added to your Chase Ultimate Rewards points total within 3 to 5 days in most cases.

Pay With Points

Did you know you can use your Chase Ultimate Rewards points to make purchases at Amazon and PayPal? Click on Pay with Points in the top search bar, then select either Amazon or PayPal to enroll and shop.

Unfortunately, the redemption value you get when shopping through Amazon or PayPal is pretty bad — only 0.8 cents per point. While it’s great to have this as an option, we don’t recommend using points to shop at Amazon or PayPal as your main use of Chase Ultimate Rewards points.

Bottom Line: The value of using your Chase Ultimate Rewards points to shop through Amazon or PayPal isn’t great: you will only get 0.8 cents per point!

Apple Purchases

By clicking on Apple in the main search box in your Ultimate Rewards account, you can use your Chase points to make purchases. Normally, you’ll get 1 cent per point in value when using your points for Apple purchases, but there are occasional bonuses offered to get a better redemption rate.

You can also redeem your Ultimate Rewards points for cash-back. To do this, simply select Cash-back from the main search bar at the top of the screen. You will then be able to see choose how many points you’d like to redeem for cash-back at a value of 1 cent per point .

You can choose to have your cash direct deposited into a checking or savings account or as a statement credit. The deposit or statement credit will be posted within 3 days.

Bottom Line: Your Chase Ultimate Rewards points are worth 1 cent each when redeemed as cash-back. We do not recommend this as a primary redemption option because you can get more value via the Chase Travel portal, and a lot more when transferring to airline and hotel partners.

Experiences

This is a really cool section of the Chase Travel portal. When you click on Experiences in the main search bar, you’ll see a list of exclusive events, preferred seating, and other offers for select Chase cardmembers.

Experiences can be purchased with a credit card or with points. You will get 1 cent per point in value when redeeming points for experiences. Some experiences are only available to cardholders of specific cards so be sure to check all of your cards if you have more than 1 to make sure you don’t miss anything.

If you prefer gift cards, you can purchase them through the Chase Travel portal using points. Just click Gift Cards in the main search bar to get started. From here, you will be able to scroll through all of the available gift cards. You’ll get 1 cent per point in value, with occasional sales offering better redemption rates.

Hot Tip: Points redeemed for gift cards have a 1-cent per point value. However, you might notice some cards offer discounts, so there is the opportunity to get a bit more value!

Pay Yourself Back

Another way to use your Ultimate Rewards points is through the Pay Yourself Back feature. This allows you to redeem your points for a statement credit for purchases in select categories. The current categories include groceries, dining, select charities, credit card annual fee, internet, cable, phone, and shipping and the redemption value varies by card.

Transfer To Travel Partners

Transferring points to travel partners is the best way to get the most value out of your points . By transferring, you can potentially get 2, 3, or more cents per point value.

Chase Airline Transfer Partners

Chase Hotel Transfer Partners

To transfer your Chase Ultimate Rewards points to any of the above airline and hotel partners, log on to your account and click on Transfer To Travel Partners in the top search box. Choose your airline or hotel and then select Transfer Points . You’ll need to fill out your frequent flyer information or hotel loyalty membership number to complete the transfer.

Bottom Line: You can currently transfer your Chase Ultimate Rewards points to 14 different hotel and airline partners.

There are many ways to use your Chase Ultimate Rewards points. While transferring points to one of Chase’s airline and hotel travel partners can get you maximum value, there are a lot of benefits for booking travel directly through the Chase Travel portal .

In addition to hotels and flights, you can book car rentals, activities, and cruises. Or, you can use your points for cash back, shopping, gift cards, or Chase exclusive experiences. With so many ways to use your Chase Ultimate Rewards points, your next trip is only a few clicks away!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Ink Business Plus ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

UponArriving

Chase Travel Portal Review: (Airlines, Hotels, Car Rentals, Cruises) [2021]

The Chase Travel Portal can be one of the best ways to utilize your hard-earned reward points.

But how exactly does the Chase Travel Portal work and is it worth using?

This review article will walk you through step-by-step on how to use the portal for all forms of travel (airlines, hotels, rental cars, cruises) and I’ll also look at if travel through the portal is more expensive. 

But most importantly, I’ll show you when to use and NOT use the Chase Travel Portal in order to maximize the value of your points!

Table of Contents

What is the Chase Travel Portal?

The Chase Travel Portal is an exclusive online travel agency (OTA) powered by Expedia that allows select Chase cardholders to book travel with their Ultimate Rewards or by paying via a credit card.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

How do I get access to the Chase Travel Portal

This travel portal is only for Individuals with Ultimate Rewards earning Chase cards. So if you had a card like a Chase Southwest credit card you would not get access. Instead, you would need one of the following cards:

• Chase Freedom
• Chase Freedom Unlimited
• Chase Ink Cash
• Chase Ink Business Preferred
• Chase Ink Unlimited
• Chase Sapphire Preferred
• Chase Sapphire Reserve

Chase Travel Portal redemption values

When you use your Ultimate Rewards points to book travel you’ll get different levels of value from your Chase Ultimate Rewards earning credit cards, depending on the type of card that is used.

Take a look at how each point is valued based on the card you are using:

• Chase Freedom : 1 cent per point
• Chase Freedom Unlimited:  1 cent per point
• Chase Ink Cash:  1 cent per point
• Chase Ink Unlimited:  1 cent per point
• Chase Ink Business Preferred: 1.25 cents per point
• Chase Sapphire Preferred:  1.25 cents per point
• Chase Sapphire Reserve: 1.5 cents per point

Keep in mind that you can transfer Ultimate Rewards between spouses and household members so you can also use the card between you and others that has the best redemption rates for your travels.

The Sapphire Reserve with the 1.5 cents per point redemption rate is one of the top benefits of the Sapphire Reserve. It makes it much more tempting (and worthwhile) to use your points for travel redemptions when using the Chase Travel Portal.

But the Sapphire Reserve comes with a number of other stout perks including:

• $300 travel credit
• DoorDash $60 Credit
• 3X on dining and travel
• Priority Pass (with restaurant credits )
• TSA Pre-Check / Global Entry $100 credit
• Primary rental car insurance
• Annual fee: $550 (not waived first year)

All of these perks make the Sapphire Reserve one of the top travel credit cards on the market without a doubt.

Point values compared to to other programs (Amex)

You can get a sense of how great the value is with the Sapphire Reserve’s portal redemption rate by comparing its rate to other programs.

Just take a look at the Amex Travel porta l. For airfare you can redeem Amex Membership Rewards at a rate of 1 cent per point but things aren’t as good for other travel redemptions. For hotels, vacations, and cruises you’ll be redeeming at 0.7 cent per point.

So as you can see, redeeming points through the Chase Travel Portal with the Sapphire Reserve is much more lucrative than utilizing points with some other travel portals. 

Chase Travel partners

Chase allows you to use your points to travel in different ways. You can either use the Chase Travel Portal or you can transfer your points out to transfer partners.

Chase travel partners

Chase has a great line-up of airlines and also has the best hotel selection out of any other major transferrable points program, in my opinion.

Here are all of the current Chase transfer partners:

Chase Ultimate Rewards Airlines

• British Airways Executive Club
• Flying Blue (Air France/KLM)
• Iberia Airways
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club

Chase Ultimate Rewards Hotels

• World of Hyatt
• IHG Rewards Club
• Marriott Bonvoy

Whether or not you should transfer points to these partners depends on a few factors and I will discuss those below when giving advice on when to use and not use the travel portal.

How do I use the Chase Travel Portal?

• Log-in to your Chase Ultimate Rewards dashboard
• Click on the travel button on the side panel
• Select your type of travel
• Book and enjoy!

Log-in to your Chase account

The first step to access the travel portal is to simply log-in to your Ultimate Rewards dashboard. You can  log-in to the travel portal here .

Click on the travel button on the side bar

Once you are in the Ultimate Rewards dashboard you need to pull up the Chase Travel Portal by selecting travel. Simply navigate to the side panel and you will see the travel menu button.

Select for your type of travel

Once you are in the travel portal, you will need to select the type of travel that you were interested in booking. Here are the different types of travel that you can choose from:

• Flights 
• Cruises 

Things to do

Vacation rentals.

The last step is to simply book your travel.

Keep reading below for more details on how to get to that step.

When to NOT use the Chase Travel Portal

There are a number of reasons why you might not want to use the portal.

Outsized value

One of the biggest reasons to NOT use the Chase Travel Portal is because you can get so much more value when transferring points to travel partners.

When you book through the Chase Travel Portal you are limited to the point value of the credit card account that you are using for the portal.

So if you have the Chase Sapphire Reserve, you’re only going to get 1.5 cents per point out of your redemptions. That sounds impressive until you realize that if you transfer your points out to travel partners you could be getting redemptions at well over 10 cents per point.

So the benefit of transferring points is that you can receive amazing outsized value for your points that’s just not possible with the Chase Travel Portal.

Unforgettable travel experiences

And it’s just not about the monetary value, transferring points out to airlines allows you to experience some truly unforgettable flying experiences.

That’s because you’re able to fly in business class and first class cabins in some of the top airlines. You can experience your own private suites and live the high life rather than being stuck in economy.

These tickets can also get you access into some of the top airline lounges in the world for an unforgettable luxury experience. I’ve had some of my most memorable flights because of Chase Ultimate Rewards and some of the experiences that stick out are:

• First Class on the Korean Air A380
• First Class on the new Singapore Airlines A380
• Upper Class on the Virgin Atlantic 787 
• First Class on the British Airways 747

If I would have used my points to book travel through the Chase Travel Portal, I would have never gotten a chance to experience those amazing flights.

Hotels can offer cases of outsized value, too. I recently finished a stay at the Park Hyatt Paris-Vedome and received over 3 cents per point in value. 

I would have been limited to 1.5 cents per point with the Chase Travel Portal so transferring points would have made a lot more sense.

Hotel perks

One of the main reasons why you’d want to avoid the travel portal is when booking hotel stays.

That’s because when you use an OTA, there’s a chance that you won’t receive all of your elite benefits/credits and you won’t earn hotel points for the stay.

So if you’re a Hilton Gold member for example you might not receive your free breakfast and potential upgrade that you would have had. Some programs won’t even allow you to get complimentary wifi unless you book directly.

The good news is that sometimes you can still get these perks.

You just need to call into the hotel beforehand and give them your elite information. If you do that and work a little charm at check-in you might be surprised to receive your elite benefits.

When to use the Chase Travel Portal

There are sometimes when it really makes sense to use the Chase Travel Portal.

Cheap domestic flights

Sometimes flights are pretty cheap and it makes way more sense to just use the portal to book them.

For example, if you wanted to fly on United Airlines from Houston to Orlando, you may have to transfer 25,000 Chase Ultimate Rewards for a roundtrip flight in economy.

But if you used the travel portal, you’d be able to book that Orlando flight for much cheaper during many times of the year and potentially save thousands of points.

You will still earn your frequent flyer miles, too, so there’s no loss in value there.

Cheaper hotels

The same principle applies to hotel stays as well. Sometimes it will just be cheaper to book through the portal than to transfer your reward points.

The major exception to this is Hyatt which often has point redemptions worth over 1.5 cents per point.

You’ve also got to really think about the value you might be losing out on if you don’t receive your elite benefits. It’s not hard for two free breakfasts to add up quick on a trip and if you’re giving that up, it might be more worthwhile to ditch the portal for that booking.

Not good with points

The thing about transferring points is that you need to aware of how the process works. You need to know how to transfer your points and how to use those points efficiently once you have them.

Then you’ve got to deal with finding award inventory, black-out dates, and the actual booking process which can be tricky with some foreign airlines.

Not everybody has the time to learn how to do that (or even the desire to do it). And for those people, the Chase Travel Portal is often a much better suited option.

Booking different travel types

Since this is powered by Expedia , you’ll find robust filters for searching and filtering your particular type of travel. But just to give you an idea of all the possibilities, I’ve broken down some example search filters below for the different types of travel.

Chase Travel Portal Flights

The Chase Travel Portal allows you to easily search for flights.

Simply input your departure location and your destination, along with dates and passengers. You can also choose to search with your preferred airline or preferred class by using the “Advanced options.”

When I searched, the Chase Travel Portal pulled prices listed from the cheapest flights (which was directly on par with the lowest prices found in Google Flights).

I should note that many people complain about the pricing found on the portal and claim that many flights are also missing. So I would always double check the pricing with Google Flights and if I still had questions then I would just call the Chase Travel Portal number at 1-866-418-8872. 

Also, be on the lookout for basic economy fares like the one below which state “Basic Economy” under Select.

You can utilize several filters to narrow down the results including nonstop flights and also by airlines and preferences for departure time and arrival time.

You can also search the prices with the flexible dates feature. I prefer this search feature as it’s easy to spot the cheapest roundtrip prices and compare them to other websites.

Once you select your flights, you’ll be taken to another screen where you’ll need to confirm or upgrade your fare class. You’ll see the prices for upgrades and be able to confirm the options that your fare has or doesn’t have, such as seat choice.

At the next screen you’ll need to enter the names of the travelers and you’ll have a chance to enter in credentials for things like TSA Pre-Check and frequent flyer information.

You’ll also be able to choose how you want to pay for the travel. You can choose to pay with points, credit card, or a combination of the two. You’ll then confirm your booking on that screen.

Note that all booked flights can be canceled within 24 hours. 

Booking flights on Southwest

Southwest flights do not show up on the Chase Travel Portal. However, you can call in to request a booking with Southwest Airlines if you’d like.

Where can I view my flight booking confirmation?

• Go to My Trips to view, email, or print your itinerary or receipt.
• View your confirmation email.

How to change your seat

For most flights, you can choose your seat during booking. Chase should send your seat selection to the airline at the time of booking, but they note that they cannot guarantee your seat assignment.

You can access your seat assignment for most flights in your itinerary , or when you view your flight booking confirmation .

Your seat selection may not be confirmed if you:

• Booked a fare with an airline that assigns seats at the gate
• Booked a Basic Economy fare which doesn’t allow seat selection

Chase Travel Portal Hotels

The search feature for hotels is pretty standard as well.

There are a lot of helpful filters that you can apply to help you efficiently search for the right hotel.

Some of these include:

Property Class

This allows you to sort by star ratings.

Price Per Night

Sort properties based on price.

Vacation Rental Bedrooms

• Bedrooms 4+ Bedrooms

Guest Rating

• Exceptional!

Neighborhood

Sort through many local neighborhoods.

• High-speed Internet
• Air conditioning
• Swimming pool
• Breakfast Included
• Babysitting service
• Business services
• Childcare Children’s club
• Fitness equipment
• Airport Transportation
• Included Newspaper
• Included Parking
• Included Hair dryer
• Kitchenette
• Laundry facilities
• Dry cleaning/laundry service
• Pets allowed(conditions apply)
• Restaurant in hotel
• Room service
• Spa services on site

Property Type

• Apartment Hotel
• Private vacation home
• Guest house
• Bed & Breakfast Hostel/Backpacker accommodation
• Apart-hotel
• Country House
• Chalet Hotel resort
• Hostel (Budget Hotel)

Popular Locations

You can even search based on popular locations. Here are some examples from London that I found when searching for a hotel.

• Tower of London
• University of London
• London Bridge
• London Dungeon
• Buckingham Palace
• St. Paul’s Cathedral
• Olympic Stadium
• University College London
• East London Mosque
• Museum of London
• Natural History Museum
• Wembley Stadium
• London Stock Exchange
• Chessington World of Adventures

Accessibility

Accessible bathroom In-room accessibility roll-in shower.

Hotel pricing might be on the cheaper side sometimes or it may not.

For the most part, I’ve always found competitive prices but I would highly recommend that you check the prices with other OTAs before booking. Just like with airfare, there are plenty of reports of the portal not displaying the best prices for hotels.

Whenever you finally find the hotel you were interested in, be sure to view the cancellation policy. You should find it in green next to the room description and also under “price details.”

Chase Travel Portal Rental Cars

Searching for rental cars is pretty straightforward as well.

There are advanced search options for searching for car by type and by rental company. You can also filter for special equipment for things like infant seats, snow chains, navigation system, etc.

You can also find things to do in the Chase Travel Portal. You’ll find many of the major tourist options in the search results but there will be some unique things to do like craft beer tours.

What’s cool about these activities is that you can truly travel for free if you use your points. It’s pretty easy to cover hotels and airfare with points but it’s much more difficult to cover an entire trip with points (including activities).

With the Travel Portal, this is a possibility though.

What kind of activities show up?

When I searched for San Francisco, it pulled “154 things to do.”

Some examples of the things to do that popped up were:

• Golden Gate Bridge Tour
• Alcatraz Tour 
• San Francisco Mega Pass
• Yosemite National Park tour 
• Napa Valley wine tasting tour 
• San Francisco Museum of Modern Art

You can then sort the activities based on certain criteria.

Recommendations

• Local Expert Picks
• Family Friendly
• Likely To Sell Out
• New on Chase Travel
• Tours & Sightseeing
• Walking & Bike Tours
• Day Trips & Excursions
• Cruises & Water Tours
• Air, Balloon & Helicopter Tours
• Hop-on Hop-off
• Private Tours
• Attractions
• Food & Drink
• Sightseeing Passes
• Multi-Day & Extended Tours
• Water Activities

Transportation

• Shared transportation

You can also book vacation rentals through the portal.

Chase Travel Portal Cruises

You can book cruises with points, your Chase card, or both. Here are some examples of cruise lines and cruise ships you can find in the Chase Travel Portal.

• Celebrity Cruises Celebrity Equinox
• Norwegian Cruise Line Norwegian Jade
• Norwegian Cruise Line Norwegian Gem
• Norwegian Cruise Line Norwegian Pearl
• Princess Cruises Regal Princess
• Royal Caribbean International Allure of the Seas
• Royal Caribbean’s Anthem of the Seas
• Royal Caribbean International Harmony of the Seas
• Royal Caribbean International Oasis of the Seas

For cruise information, call 1-866-951-6592 .

Travel profile

Under your Travel profile you can edit your travel details including:

Frequent Flyer Membership

This is where you’ll enter your frequent flyer numbers for various programs like United, Delta, American Airlines, etc.

Personal Info

This is where you can enter your personal contact information.

Flight Preferences

You can set your flight presences for things like window or aisle seats (sorry, no preference available for the middle seat).

Known Traveler Number and  Redress Number . The  Known Traveler Number will allow you to receive benefits like TSA Pre-Check or Global Entry if you are signed up for them.

Chase Travel Portal Promo code

Chase will sometimes send out emails with special promo codes for the Chase Travel Portal.

For example, there once was a code for $100 off $300.

However, it’s not clear who exactly gets targeted for these offers and they seem to be pretty rare so I wouldn’t go around expecting them to arrive in your inbox.

I’m not aware of publicly available promo codes.

If you do get a code it can be entered at checkout.

Price match

Others have tried their luck with seeking a price match from Chase but they haven’t been successful.

If you have any luck report back with your data points!

Chase Travel Portal (in the App)

You can use the Chase Mobile App to search and book travel through the Chase Travel Portal.

First, you just need to log-in to your Chase app on your mobile device.

Then select the “…” next to the card that you’d like to use and select “Redeem rewards.”

Next hit the three bars at the top of the screen and then select “”Travel” and that will take you right to the Chase Travel Portal on the mobile app.

Refunds and Cancellations

There are always a lot of non-refundable options when dealing with booking travel through an OTA so you always want to be on the lookout for any bookings that won’t allow you to collect a refund.

You can cancel most flight bookings online.

Keep in mind that for airfare if you cancel within 24 hours, there are usually no cancellation fees.

If you cancel a non-refundable flight reservation, the airline may issue you a flight credit for a future booking instead of a refund.

But note that some flight reservations are not eligible for a flight credit after cancellation. Canceling one of these will force you to lose the value of your ticket.

To cancel your flight booking online

• Go to My Trips to view your bookings.
• In Upcoming, select the itinerary you wish to cancel.
• Select Cancel Flight under Manage Booking

Chase allows you to cancel most hotel bookings online.

If your hotel’s free cancellation deadline has passed, you will have to pay a cancel fee and if you booked a non-refundable hotel, you will have to pay the entire cost of your stay.

To cancel your hotel booking

• In Manage Booking, select Cancel Room and follow the instructions.

Chase Travel Portal Phone Number

To speak to a Chase Travel Specialist, call 1-866-418-8872 .

Advisors specializing in flights, hotels, car rentals and activities are available 24 hours a day, 7 days a week, 365 days a year.

Advisors specializing in cruises are available Monday to Friday, 9 a.m. to 9 p.m. ET, and Saturday 9 a.m. to 5 p.m. ET.

The Chase Travel Portal is just one of the many type of OTAs that you can find online. Here are some other OTAs and OTA aggregators you might consider trying out:

1. Bonwi 2. Expedia 3. Booking.com 4. Hotels.com 5. Orbitz 6. HotelTonight 7. Priceline 8. Hostelworld 9. Kayak.com 10. Hotwire.com 11. Hotelscombined.com 12. Agoda.com 13. Trivago

You can read more about these OTAs here .

Since the Chase Travel Portal is powered by Expedia you’d expect their results to be identical but I know from experience that things can get tricky on OTAs so I’d always double check the prices elsewhere before booking.

Chase travel notifications/alerts

The Chase Travel Portal will have travel notifications for certain countries if applicable and you should be able to see those when you log-in.

You should obviously do follow-up research with the US State Department and Centers for Disease Control and Prevention (CDC) to ensure there are no travel advisories even if the Chase travel portal doesn’t mention these.

Also, if you’re wanting to set Chase travel notifications so that your debit card or credit card won’t have issues abroad, you can read how to do that here . 

Chase Shopping portal

If you’d like to utilize Ultimate Rewards to shop you can use your points at Amazon or to purchase gift cards. But if you’d like to earn more Ultimate Rewards via your shopping then consider trying out the Chase Shopping Portal where you can earn points when you shop at retailers including:

• American Eagle
• Under Armour
• Neiman Marcus
• And many, many more…

Read more about the portal here. 

Chase Travel Portal not working?

For the longest time I though that the Chase Travel Portal was down but it turns out that there was caching issue with my computer.

All I had to do was clear out my browsing history (or use an Incognito browser) and I was able to log-in and search for travel.

The portal might not be working from time to time but I’d also try to clear your browsing history/cache and see if that works if you ever run into performance issues.

The Chase Travel Portal is a great way to truly travel for free and in many instances it can be a much more valuable use of points.

The key is to be aware of what benefits you might be missing out on and to always compare prices across OTAs so make sure you’re getting a great deal.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

I regularly buy airline tickets through the Chase Travel Portal, because airfares tend to be identical on all sites, and the Chase portal gives me 5x points for using my Sapphire Preferred card. However, when it comes to hotels, I have found Chase’s room rates to be higher than on other OTAs, or the hotel websites. Part of this is because Chase does not honor AARP, AAA, or other discounts, but even the standard base rates are a few dollars higher at Chase. Also, you do not earn Hilton or Marriott points when you book through Chase. To book hotels, I go directly to the hotel website, and use my Chase Ink card, where I earn 3x points for ALL travel. The additional 2x points I could earn on the Chase site are not worth the higher rates and reduction in benefits.

Follow up to a June 19, 2022 post. I previously explained why I would not use the Chase Travel Portal for hotels or car rentals, though I would use it for flights. That is no longer the case, and I will not use Chase for anything. I recently bought my daughter a $1,900 ticket for a trip to Africa with a charity, which was canceled due to an ebola outbreak. The purchase confirmation email clearly indicated that the fare was refundable. After watching my statements for two cycles, there was no refund, so I had to call customer service. They had no record of the cancellation, even though I had an email confirmation of it. After more than an hour on the phone, they told me that I would only get a credit, not a refund. The credit cannot be used on line, so I will have to call them to use it, just like in the 1980s. Worse still, the credit must be used all at once. This was an unusual case to purchase an international flight, and it will be impossible to spend the entire $1,900 credit on a domestic flight. So, I will effectively be screwed out of $1,000+ dollars. Had I purchased the ticket directly from United, I would have gotten a refund, or at least a credit that could be used in increments toward several future flights. Chase is using deceptive practices and stealing money from customers.

The attraction to Chase Travel of the 5x reward points isn’t out weighing the poor offerings of flight schedules, the overall portal features, like travel itinerary data made available. But worst of all is the customer service provided when you call in and the lack of notice on critical schduled changes. An upcoming international trip was my first booking with Chase Travel. I’m in shock that Chase would provide or sub-contract this highly valued benefit/service with such a low level of professionalizm and such a poor portal, when compared to other well known sites. I’ve reported my experiences (which was difficult in itself) to Chase, but with little expectation that they cared. I don’t plan to use the offering again until improvements are made.

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Chase Improving Credit Card Travel and Purchase Protection Benefits

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In a generally consumer-friendly move, Chase has announced changes to the travel and purchase protection benefits on its consumer credit cards. The bank will also switch its card-based insurance benefits administrator and underwriter to Assurant, a Fortune 500 global business services company. These benefits are currently administered by eClaimsline.

Chase did not release an exhaustive list of cards impacted by these changes, but according to the bank, the update will go live on Oct. 1, 2024, and covers “all brand and co-brand Chase credit cards.”

Affected cardholders will receive a revised guide to benefits outlining the new coverages for their card by Aug. 15, 2024.

» MORE : How free travelers insurance through credit cards works

What’s changing?

Auto rental coverage.

Coverage limits will change to $60,000 for eligible vehicles with a retail price of $125,000 or less. Currently, this coverage is up to the actual cash value of the rented vehicle. Cardholders will also now have 100 days to notify the benefit administrator of an accident, increased from 60 days.

Cards that will see this coverage revision include (but are not limited to) the Chase Sapphire Preferred® Card , Chase Freedom Flex® , Chase Freedom Unlimited® , World of Hyatt Credit Card and the IHG One Rewards Premier Credit Card .

» MORE : The guide to Chase rental car insurance for travelers

Emergency evacuation and transportation

The service provider will now arrange and provide for emergency transportation for qualifying events. Currently, cardholders need to pay upfront and then file a reimbursement claim.

This benefit is offered on cards bearing the Visa Infinite logo, including the Chase Sapphire Reserve® and the United Club℠ Infinite Card .

» MORE : The guide to Chase Sapphire Reserve’s travel insurance benefits

Travel and emergency assistance

This benefit is being added to “select products,” according to Chase, and provides legal and medical referrals and access to other travel and emergency assistance services. 

Examples of cards that will carry this coverage include the Chase Freedom Flex® , Chase Freedom Unlimited® , IHG One Rewards Premier Credit Card and the World of Hyatt Credit Card .

Travel accident insurance

The coverage limit is increasing to $500,000 on “select products” that already offer this benefit but with a lower coverage limit.

Examples of cards that will carry this coverage include the World of Hyatt Credit Card and Chase Freedom Flex® .

Lost luggage reimbursement

This benefit is being added to “select products,” according to Chase, and provides reimbursement up to $3,000 per covered traveler per trip for the cost to repair or replace luggage and personal property that is lost or damaged during air travel.  

Examples of cards that will carry this coverage include the United℠ Explorer Card and the Aer Lingus Visa Signature® Card .

» MORE : The guide to baggage delay or loss insurance

Extended warranty protection

The terms of this benefit are changing to $10,000 per claim and a maximum of $50,000 per year. Previously, those same coverage limits applied to the lifetime of the account and did not reset each year. 

Chase has not released which cards will acquire this benefit.

» MORE : Chase purchase protection: What to know

Trip cancellation/interruption insurance

This benefit is being upgraded on the United Gateway℠ Card to cover additional family members and more qualifying reasons for submitting a claim.

To qualify for these travel and purchase protections, you must use your applicable Chase card for the full cost of your purchase. Other purchases will not be protected.

» MORE: Does my Chase credit card have travel insurance?

More coverage when you need it

Consumer protections are one of the many reasons NerdWallet recommends shopping with a credit card . Increased coverage limits combined with an expanded list of cards that carry these benefits are a good thing for individual Chase cardholders. These perks can make it less stressful when things go wrong, especially when you’re away from home.

» MORE: Best Chase credit cards

on Chase's website

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%-5% 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.

Up to $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!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

75,000 Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Crunching the numbers: Is it more expensive to book flights through a credit card travel portal?

Editor's Note

Many top travel rewards cards offer bonus rewards when you book flights, hotels and rental cars through their travel portal.

For example, the Chase Sapphire Preferred® Card offers 5 points per dollar spent on travel purchased through Chase Travel℠ but just 2 points per dollar spent on other travel, including flights booked directly with airlines.

So, you might consider booking flights through a credit card travel portal when you plan your next trip. However, many travelers believe you'll often pay more for flights when booking through a credit card travel portal. Plus, you can earn bonus rewards on select airline credit cards if you use them to book directly with the airline.

But are flights actually more expensive when you book through a credit card travel portal? We collected and then crunched over 750 data points to find out.

What data did we collect?

For this story, we collected 785 data points to determine whether flights are more expensive on average when you book through a credit card travel portal. Specifically, we collected fares across 157 round-trip flight itineraries.

For each itinerary, we defined the specific flight numbers, travel dates and cabin class — basic economy, main cabin economy, premium economy or business class — and then asked TPG staffers to collect fares across the following booking methods as quickly as possible (always within a four-hour window):

• Directly with the airline
• American Express Travel portal
• Capital One Travel portal
• Chase Travel portal
• Citi Travel portal

Half of the travel dates for our itineraries were about two months out, while the other half were about six months out. Almost all of the itineraries we considered originated in the U.S., with 40% of our data points being domestic flights and 58% being flights within North America. Now, let's dive into what we found.

Related: How to decide when to use cash or miles for buying airline tickets

Key takeaways

If you're only interested in the highlights, here's a summary of the most important takeaways:

• Not every itinerary is bookable through each credit card travel portal.
• Chase Travel sold the highest percentage of the itineraries we searched; Amex Travel sold the lowest.
• Compared to booking directly, fares are, on average, slightly less expensive through Chase Travel, slightly more expensive through Capital One Travel and Amex Travel and much more expensive through Citi Travel.
• Capital One Travel returns the same fare as booking directly more than half the time. Amex Travel and Chase Travel return the same fare as booking directly less than half the time, while Citi Travel rarely returns the same fare as booking directly.
• To get the best flight price, you should check each portal you can access and compare these rates with what the airline charges for direct bookings.

We learned plenty more interesting things while analyzing our data. So, read on for more statistics and a deeper analysis of what we learned.

Related: 11 strategies to find cheap airfare

Is it more expensive to book flights through a travel portal?

Booking flights through a credit card travel portal is sometimes more expensive but sometimes cheaper. The only portal that was often more expensive to book flights through compared to booking directly was the Citi Travel portal.

We crunched data from 157 round-trip itineraries and calculated the average difference between each portal's pricing and booking directly. Here's what we found:

• Amex Travel portal : 1.19% more expensive than booking directly
• Capital One Travel portal : 0.05% more expensive than booking directly
• Chase Travel portal : 0.44% less expensive than booking directly
• Citi Travel portal : 9.32% more expensive than booking directly

Here's a look at the number of itineraries that were equal to, more expensive than or less expensive than what you could book directly with the airline.

As you can see, the Chase Travel portal — the only credit card portal we considered that performed better on average than booking directly in our experiments — also featured the most itineraries where we found less expensive fares through the portal than booking directly.

Meanwhile, fares for 74 itineraries were more expensive through the Citi Travel portal than booking directly. In 26 instances, the Citi Travel portal returned prices more than 10% higher than you'd get booking directly. One such itinerary involved flying All Nippon Airways in economy between Los Angeles and Tokyo in December. The cost for this itinerary through Citi Travel was about $5,300 while booking directly would cost about $1,400.

Now, let's discuss some of these metrics when looking at subsets of our data set. In particular, we'll discuss domestic, international and economy flight trends.

Related: The best time to book flights for the cheapest airfare

Trends for domestic flights

The average difference between each portal's pricing and booking directly for the 61 round-trip domestic itineraries we considered is as follows:

• Amex Travel portal : 2.68% less expensive than booking directly
• Capital One Travel portal : 0.37% more expensive than booking directly
• Chase Travel portal : 0.07% more expensive than booking directly
• Citi Travel portal : 0.22% more expensive than booking directly

Here's a look at the number of domestic itineraries that were equal to, more expensive than or less expensive than what you could book directly with the airline.

In our tests, domestic fares through the Amex Travel portal were an impressive 2.68% less expensive than booking directly, with three fares even being 10% less expensive. One of these fares was for a round-trip itinerary from Los Angeles to New York in December with nonstop flights in both directions. For this itinerary, we could book through Amex Travel for $612. Meanwhile, Capital One Travel wasn't selling the itinerary, and booking directly or via Chase Travel or Citi Travel carried fares of roughly $762.

Some TPG staffers reported seeing Insider Fares for some of the Amex itineraries we searched, but because Insider Fares only apply when you redeem Amex points for your entire fare , we did not include Insider Fares in the rates we collected for these itineraries.

Related: 9 things to consider when choosing to book via a portal vs. booking directly

Trends for international flights

The average difference between each portal's pricing and booking directly for the 96 round-trip international itineraries we considered is as follows:

• Amex Travel portal : 3.02% more expensive than booking directly
• Capital One Travel portal : 0.52% more expensive than booking directly
• Chase Travel portal : 0.75% less expensive than booking directly
• Citi Travel portal : 13.72% more expensive than booking directly

Here's a look at the number of international itineraries that were equal to, more expensive than or less expensive than what you could book directly with the airline.

Citi Travel, by far, had the fewest itineraries for which the fares through the portal were equal to those found directly with the airline. The Citi Travel portal also showed fares at least 10% more expensive through the portal compared to booking directly for 25 itineraries, which is 26% of the international itineraries we considered.

Meanwhile, Chase Travel featured fares for the international itineraries we considered that were 0.75% less expensive, on average, than booking directly. Out of all the international fares that were less expensive through Chase Travel than booking directly, each fare was at least 1% less expensive. For example, round-trip WestJet flights from Los Angeles to Vancouver, British Columbia, on two different dates cost $431 through Chase Travel but $459 through every other booking method we considered.

Related: What you need to know about direct versus third-party travel bookings

Trends for economy flights

The average difference between each portal's pricing and booking directly for the 109 round-trip economy itineraries we considered is as follows:

• Amex Travel portal : 0.70% less expensive than booking directly
• Capital One Travel portal : 0.16% more expensive than booking directly
• Chase Travel portal : 0.66% less expensive than booking directly
• Citi Travel portal : 7.15% more expensive than booking directly

Here's a look at the number of economy itineraries that were equal to, more expensive than or less expensive than what you could book directly with the airline.

Economy fares through Chase Travel and Amex Travel were around 0.7% less expensive than booking directly. Thirty economy itineraries, or about 28% of the economy itineraries we considered, were less expensive through the Chase Travel portal than booking directly. Meanwhile, 17 economy itineraries were less expensive through the Amex Travel portal than booking directly.

Compared to other credit card travel portals, Citi Travel featured the fewest economy itineraries with the same fare as booking directly and more than double the next-worst portal's number of economy itineraries that were more expensive when booking through the portal. Fifty-one of the economy itineraries — 47% of the economy itineraries we considered — were more expensive through the Citi Travel portal than booking directly with the airline.

Related: 6 key tools and tips to find the cheapest airfare

What is the best credit card travel portal for booking flights?

There isn't one best credit card travel portal for booking flights. However, I appreciate the Capital One Travel portal's price drop protection on flights for which the platform recommends booking immediately, and I've gotten value from Amex's International Airline Program.

Our data showed Amex Travel was, on average, less expensive than booking directly for domestic itineraries. Meanwhile, Amex Travel and Chase Travel were both, on average, less expensive than booking directly for economy itineraries. Chase Travel was, on average, less expensive than booking directly for international itineraries, too.

Citi Travel featured higher fares, on average, than those available when booking directly with the airline. Specifically, 47% of itineraries were more expensive through Citi Travel than booking directly. Compare this to the other travel portals, where only 21% were more expensive through Chase Travel, 17% were more expensive through Amex Travel and 15% were more expensive through Capital One Travel.

Bookable itineraries

The main drawback of Amex Travel is that it does not have every itinerary you could book directly; this is more frequently the case with Amex Travel versus the other portals we considered. Across the 157 round-trip itineraries we considered, 36 weren't available through Amex Travel, 26 weren't available through Capital One Travel, 25 weren't available through Citi Travel and 20 weren't available through Chase Travel.

In some cases, this was due to the portal not supporting a specific airline. For example, Spirit Airlines, Frontier Airlines and Viva Aerobus flights were only bookable through the Capital One Travel portal, and we only found Southwest flights bookable through the Chase Travel portal .

In other cases, the portal only showed some itineraries for airlines it otherwise supports. While the Chase Travel portal included every American Airlines, United Airlines and Delta Air Lines itinerary we searched, Amex Travel didn't show options to book 14 of the 89 itineraries we searched for these airlines. Additionally, Capital One Travel didn't show six of these itineraries, and Citi Travel didn't show two of these itineraries.

Related: Planning a trip abroad? Use your points and miles to book these popular international flights

Earning rates and card benefits

It is also worth considering the extra earnings you can earn when booking through credit card travel portals with select rewards credit cards . For example, I'll sometimes book flights through Capital One Travel with my Capital One Venture X Rewards Credit Card to use my card's $300 annual Capital One Travel credit and earn 5 miles per dollar spent on the part of my fare that the credit doesn't cover.

If you want to redeem rewards when booking flights through a credit card travel portal, consider the redemption rates of each portal:

• Amex Travel portal : 1 cent per point toward flights with most American Express Membership Rewards cards
• Capital One Travel portal : 1 cent per mile
• Chase Travel portal : 1.5 cents per point with the Chase Sapphire Reserve® , 1.25 cents per point with the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card and 1 cent per point with other Chase Ultimate Rewards cards
• Citi Travel portal : 1 cent per point

Finally, remember that some credit cards offer travel protections when you use them to book flights. These protections are available regardless of whether you use your card to book directly with the airline or via a credit card travel portal.

Related: Maximize your airfare: The best credit cards for booking flights

Bottom line

On average, the Citi Travel portal was almost 10% more expensive than booking directly. However, the Chase Travel, Capital One Travel and Amex Travel portals offered similar fares, on average, when compared to booking directly.

This doesn't mean you should pick one booking method and avoid checking other options, though. I was surprised by how much prices varied between the portals — and when compared to the airline's website — while collecting data for this story.

Now that I've processed the data and written this story, I realize more than ever the importance of checking each credit card travel portal you have access to and the airline's website before booking a flight.

So, next time you need to book a flight, start on Google Flights to assess your options. If you have transferable rewards , you may also want to open up your favorite award search tools , which for me are Point.me and Seats.aero . Then, if you decide to book a paid fare, open up all the credit card travel portals you have access to via your rewards cards and search for the flights you want. Finally, compare the rates across the portals with booking directly with the airline to determine which will offer the best value.

Related reading:

• 7 of the best starter travel credit cards
• Should I book my flight through my cruise line?
• Are flights cheaper last minute? Here's what expert flyers have to say
• The highs and lows of using Capital One Travel to book flights while abroad
• Here's what you should know about booking a flight for the first time

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Chase Sapphire Preferred Travel Insurance (2024 Guide)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Our Thoughts on Chase Sapphire Preferred Travel Insurance

Chase offers travel insurance through the Sapphire Preferred credit card if you use the card to purchase trip expenses such as cruise bookings, airline tickets, hotel accommodations and more. The company’s travel insurance offering includes coverage for trip cancellations, interruptions and delays, accidents and more.

But while Chase has competitive luggage loss limits when compared with the top travel insurance providers, the Sapphire Preferred Preferred card doesn’t offer emergency medical and evacuation coverage like some other travel cards. And although Chase provides free travel insurance benefits with the Sapphire Preferred card, there is a $95 annual fee.

If you’re a Chase Sapphire Preferred credit card holder, we encourage you to compare its coverage with plans offered by competitors. This can help ensure you have travel protection that fits your vacation and your unique needs as a traveler.

How To Qualify to Use Chase Sapphire Preferred Travel Insurance

Qualifying for Chase Sapphire Travel Insurance is a relatively simple process based on our experience. If you do not have a credit card already, you will need to visit Chase’s website to fill out an application. You’ll need to provide personal information such as your name, date of birth, mother’s maiden name, home address, contact information, Social Security number, individual tax ID number, employment status and annual income. Chase states that if you have a high credit score, you can likely apply for any card of your choice — so prepare for the company to consider your credit score when applying for this card.

Available travel insurance when you book using your Chase Sapphire Preferred card includes protection for rental car damage, cruise line reservations and airfare, to name a few. Benefits also apply to the cardholder and their immediate family during their travels. Note that if you have a Chase Sapphire Reserve card, you can also qualify for travel protection benefits. However, the benefits differ between the two cards, which we will address further in this article.

How Does Chase Sapphire Preferred Travel Insurance Work?

Chase Sapphire Preferred travel insurance coverage offers several protections at no extra cost to cardholders who book trips using their credit card. Benefits include trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement. Chase Sapphire Preferred cardholders also receive travel and emergency assistance services if they need legal and medical referrals.

Chase notes that unaffiliated insurance companies underwrite the travel benefits, and these companies are solely responsible for the administration and claims of cardholders. Those so-called benefit administrators may enforce specific time limits and documentation requirements that apply to the claims process. Chase should provide cardholders with this information when they first open their account.

Coverage Benefits of Chase Sapphire Preferred Travel Insurance

Chase provides extensive travel insurance benefits through its Sapphire Preferred credit card, including protections you’d find with a traditional travel insurance policy . See the table below for a detailed breakdown of the Chase Sapphire Preferred travel insurance benefits and associated coverage limits.

* Information about benefits provided by the Chase Sapphire Preferred credit card was collected by the MarketWatch Guides team and has not been provided or reviewed by the card issuer.

Trip Cancellation

If you must cancel your trip for a reason covered under your policy, trip cancellation insurance can reimburse prepaid, non-refundable travel expenses. This often covers expenses such as lost airline tickets, cruise bookings, prepaid tours and hotel reservations.

Chase Sapphire Preferred travel insurance covers trip cancellations due to traveler sickness, severe weather and other situations, with reimbursement up to $10,000 per person and $20,000 per trip for prepaid, non-refundable expenses.

Trip Interruption

If you must cut your vacation short and return home, trip interruption insurance can provide a refund for unused, prepaid and non-refundable travel expenses.Much like trip cancellation insurance, coverage also applies to situations such as the injury, illness, or death of a family member or traveler.

Chase covers Chase Sapphire Preferred travelers up to $10,000 per person and $20,000 per trip for prepaid, non-refundable expenses.

Trip Delay Insurance

Trip delay coverage applies to travel delays caused by planes, buses, trains and other types of transport to your destination. Benefits for a covered trip will vary depending on the travel insurance plan but can extend to hotel rooms, meals and other necessities incurred if you must wait to resume your trip. Delay coverage does not extend to missing a flight due to poor planning or time management on behalf of the traveler. 

Chase will reimburse up to $500 per common carrier travel ticket purchased using your Chase Sapphire Preferred card if you experience a delay of more than 12 hours or require an overnight stay.  

Baggage Delay or Loss

Baggage coverage can pay for your travel bags if they become lost, stolen, delayed or damaged during your trip. Coverage is usually capped at a certain amount per bag, with some travel insurance plans offering higher limits than others. If you intend on bringing expensive or valuable items in your baggage, you might consider a policy with a high maximum coverage amount for lost luggage reimbursement or delays.

Chase provides Sapphire Preferred cardholders $100 per day for up to five days if they experience baggage delays with a common carrier such as an airline. If your carry-on or checked bags get lost, stolen or damaged, you could receive a reimbursement of up to $3,000 per person to cover your personal effects.

Auto Rental Collision Damage Waiver

Car rental collision damage coverage is not a standard offering from travel insurance companies. This waiver provides Chase Sapphire Preferred cardholders with reimbursement up to the actual cash value of a rental car, minus certain high-value and exotic car models. 

To qualify for this waiver, you will need to decline the rental car insurance provided by the rental company and charge the entire cost of your rental to your Sapphire Preferred card. This waiver covers both theft and collision damage.

Travel Accident Insurance

Travel accident insurance through Chase provides accidental death and dismemberment (AD&D) coverage when you pay for your air, bus, train or cruise transportation using your card. Coverage includes up to $500,000 in accident protection.

Emergency Travel Medical Coverage

Travel medical coverage helps cover medical bills if you fall ill or get injured during your vacation. It does not cover routine medical services — only sudden illnesses or injuries considered emergencies or that require treatment by a healthcare provider. Some emergency medical benefits also include emergency dental coverage.

While many travel insurance providers offer this type of coverage, Chase Sapphire Preferred cardholders do not have access to these protections with the card’s benefits. You can, however, find this coverage with the Sapphire Reserve card.

If you’re looking for comprehensive travel medical insurance, we recommend International Medical Group (IMG), as the company offers coverage up to $8,000,000. IMG plans average $217 per trip.

Emergency Evacuation and Transportation

Emergency evacuation and transportation insurance can provide peace of mind if you need transportation to a hospital or medical facility while traveling. For example, if you fall ill or become injured in a remote location and require transportation or evacuation to a medical facility equipped to care for your needs. Chase doesn’t provide this coverage for Sapphire Preferred cardholders and their immediate family members.

Chase Sapphire Preferred vs. Chase Sapphire Reserve Travel Insurance

The Chase Sapphire Preferred card is not the only credit card Chase offers with travel insurance benefits. Chase’s Sapphire Reserve card also provides benefits for cardholders who book their trips with their credit card. See the table below for a comprehensive breakdown of what each Chase credit card offers in travel insurance benefits.

* Information about benefits provided by the Chase Sapphire Preferred and the Chase Sapphire Reserve credit cards were collected by the MarketWatch Guides team and have not been provided or reviewed by the card issuer.

How To File a Claim with Chase Sapphire Travel Insurance

Generally, the first step to file a claim is to contact the appropriate number listed in your credit card’s benefits guide. If you have Chase Sapphire Preferred travel protection, call 1-888-320-9961 (within the U.S.) or 1-804-673-1691 (international). You can also file a claim online through eclaimsline.com if you prefer a fully digital experience.

Chase will likely ask you to prepare documentation that proves your losses to support your claim. These documents may include receipts for prepaid expenses, proof of lost, damaged or stolen items, or proof of travel delays from your airline or other transportation carriers.

Once you’ve submitted your claim, you then wait for approval and reimbursement, which may vary in time. Note that Chase enforces specific time limits in addition to documentation requirements for claims filing, so submitting your claim as soon as possible is recommended.

Should You Get a Chase Sapphire Preferred Card For Travel Insurance?

Signing up for a Chase Sapphire Preferred card strictly for its travel insurance benefits is a personal decision. However, getting a credit card for travel insurance is not your only option — you may also opt for a policy with a standard carrier such as Travelex . Chase’s coverage limits are not as high as limits from some other providers offering comprehensive travel insurance policies. Taking on an additional expense in the form of the Sapphire Preferred card’s $95 annual fee may also not be worth it if you don’t plan on using the card for anything other than infrequent travel.

If you’re looking for coverage for emergency medical expenses, evacuations and more, you may consider a plan from some of the other dedicated travel insurance companies. Chase does not specialize in travel insurance and lacks unique protections such as cancel for any reason (CFAR) and extreme sports coverage that other travel insurance companies may provide. 

If you already have the Chase Sapphire Preferred card and feel satisfied with its travel insurance coverage limits, you can take advantage of these benefits by booking your trip using the card. Regardless, we recommend considering your travel needs and budget before choosing travel insurance coverage.

Chase Sapphire Travel Insurance: Frequently Asked Questions

Does chase travel insurance cover family members.

Yes, Chase travel insurance through its Sapphire Preferred and Sapphire Reserve cards covers the cardholder and immediate family members traveling with them.

What reasons for trip cancellation does Chase cover?

Covered cancellations related to trip cancellation insurance vary by travel insurance provider. Chase states that covered cancellations for trips purchased with Sapphire Preferred and Sapphire Reserve cards include sickness, severe weather and other situations. Check your card benefits guide for more information on specific scenarios.

Do I need travel insurance if I have a credit card?

If you have a credit card with a company such as Chase, Citi or Capital One, your card may come with travel insurance benefits if you use the card to purchase your trip components. If you’re unsure whether your credit card comes with these perks, check with your card issuer.

What other benefits come with the Chase Sapphire card?

The Chase Sapphire card comes with more than just travel rewards. It also includes benefits such as the ChaseUltimate Rewards program, which adds points for qualifying purchases that cardholders can redeem toward future travel expenses. In addition, new card members can receive 60,000 bonus points after spending $4,000 in the first three months of card ownership.

Methodology: Our System for Rating Travel Insurance Companies

Our team researched and reviewed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the Internet, to better understand the customer experience. Here are the factors we take into consideration when rating providers:

• A 30-year-old couple taking a $5,000 vacation to Mexico
• A family of four taking an $8,000 vacation to Mexico
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom
• A 30-year-old couple taking a $7,000 trip to the United Kingdom
• A 19-year-old taking a $2,000 trip to France
• A 27-year-old couple taking a $1,200 trip to Greece
• A 51-year-old couple taking a $2,000 trip to Spain
• Plan availability (10%): We look for insurers offering a variety of travel insurance plans and the ability to customize a policy with coverage upgrades. Providers that offer six or more plans will earn top marks in this category.
• Coverage details (29%): We review the standard coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage will earn full points, with a focus on baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons such as accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that will reimburse customers after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

AM Best Disclaimer

More Chase Bank Resources

• Chase Bank Review
• Chase Auto Loan Review
• Chase Bank CD Rates
• Chase Savings Account Rates
• Chase Banking Promotions and Bonuses

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

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Credit Journey ® is so much more than a credit score. We provide you with resources to help you build and monitor your credit and credit score to improve your credit. You can access your regularly updated score for free anytime with no impact. Credit Journey ® also has other tools like our score improvement feature which can provide you with a personalized action plan, provided by Experian TM , to help improve your credit score. * Opens offer details overlay You can review your score and the factors that change it, giving you a breakdown of what may have caused your score to change. With credit and identity monitoring, you receive alerts * Opens offer details overlay if changes to your accounts are seen and if your personal info is found in a data breach or on the dark web. We're here for you around the clock if you ever need support.

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Chase Pay Over Time * Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase: Pay off an eligible purchase you've already made of $100 or more * Opens offer details overlay in smaller, equal monthly payments. No Interest- just a fixed monthly fee † Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card activity.

At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more * Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window .

Cardmember Reviews

Great card for everyday purchases and racking up bonus points!

Submitted by: Nick

Chase review excellent

Excellent customer service, awesome reward points, very good fraud protection, one of the best cards ive ever had. Would highly recommend.

Submitted by: Susan

Best Credit Card Out There!

What's not to love about about this card!? Easy balance payment, cashback on all transactions that you can redeem easily at any time, no annual fees. Plus my credit limit doubled after the first 6 months! Love this credit card.

Submitted by: nami23

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$200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Cash Back And Points: Rewards Program Agreement: For more information about the Chase Freedom Unlimited rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . Cash Back and Points: "Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. You may also see, "points" or "Ultimate Rewards points" when referring to the points you can use. How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Freedom Unlimited credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5% Cash Back: You'll earn 1.5% Cash Back rewards for each $1 spent. 3% Cash Back rewards total for each $1 spent on purchases in the following rewards categories: drugstores and dining at restaurants including takeout and eligible delivery services (1.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). 5% Cash Back rewards total for each $1 spent on purchases made using your card through Chase Travel (3.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). 5% total Cash Back on qualifying Lyft rides through 03/2025: You'll earn an additional 3.5% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025 . Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees, and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional Cash Back. You may see "5% Cash Back rewards" in marketing materials to refer to the 3.5% Cash Back rewards earned in addition to the 1.5% Cash Back rewards earned on all purchases. The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the 1.5% Cash Back rewards. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Amazon Shop With Points: When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value. Amazon.com Shop with Points service terms apply . Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Complimentary 3 months of DashPass/50% Discounted DashPass for 9 months: When the membership is activated for the first time by 01/31/2025 your Chase Freedom Unlimited account will receive 3 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date. After your complimentary period ends, you’ll be automatically enrolled for 9 months at 50% off the then current monthly DashPass rate until you cancel. After the DashPass discounted period ends, you will continue to be enrolled and charged the then current monthly DashPass rate until you cancel. You can cancel anytime on DoorDash or Caviar. Membership will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. Membership period for the user on the Chase credit card account referenced above will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same log in credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Freedom Unlimited card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass-eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may apply. Current value of the DashPass membership is as of 06/01/2024. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable benefits in the DoorDash application; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. Your applicable Chase credit card account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

Earn $10 Off Quarterly on DoorDash Non-Restaurant Orders: Once you have activated your Chase Freedom, Chase Freedom Unlimited, Chase Freedom Student, Chase Freedom Flex, or Chase Freedom Rise DashPass membership, you will receive a $10 off discount each calendar quarter at checkout on one eligible non-restaurant order on DoorDash. Discount applies to subtotal only; does not apply to fees, taxes, and gratuity. Fees, taxes, and gratuity still apply. To claim, select the discount from the promotion wallet at checkout, or claim the discount when prompted in the DoorDash app or website. If the full $10 value is not used on a single order, the remaining value will be forfeited. You must use the card used to enroll in your Chase Freedom, Chase Freedom Unlimited, Chase Freedom Student, Chase Freedom Flex, or Chase Freedom Rise DashPass membership as your payment method to receive this discount. Discount is not combinable with other promotions, discounts, or deals. The quarterly discount will be made available to you in your DoorDash account at the beginning of each month and will only be available on that platform for the remainder of that calendar quarter; the quarterly discount will not roll over into a subsequent quarter. Once redeemed, the discount will not be refunded to the user regardless of whether the user otherwise receives a refund or credits back on their order. Not valid for the purchase of gift cards. Not valid on alcohol in some states. Limit one redemption per quarter per person. Valid in the U.S. only. Discount has no cash value and is non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded. Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App. Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month's subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Freedom Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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9 things to consider when choosing to book via a portal vs. booking directly

MSN has partnered with The Points Guy for our coverage of credit card products. MSN and The Points Guy may receive a commission from card issuers.

Editor’s note: This is a recurring post, regularly updated with the latest information.

When it comes to travel, you have a lot of options.

You can book directly through the website of an airline, hotel, rental car company or other travel provider. You can also use online travel agencies like Expedia or Skyscanner. And many banks offer their own portals, such as Capital One Travel and Chase Travel .

While there are some horror stories from cancellations associated with portals, booking with one linked to a credit card in your wallet can be an attractive option.

Consider asking yourself these nine questions to determine the best approach for planning your next trip. They will help you decide whether to book directly, use an online travel agency or utilize a credit card portal for your next vacation.

Will you forfeit status perks and status earnings?

When booking a hotel room through online travel agencies like Hotels.com or Expedia , you may not receive your stay credit from the hotel brand (e.g., Marriott Bonvoy ). Any nights that would typically contribute toward your status won’t be counted.

Moreover, as a member with elite status, you often won’t receive the usual perks during your stay — like free breakfast or room upgrades. This applies to all major hotel loyalty programs . Many hotels offer a best-price guarantee, allowing you to request a match to a better price you find elsewhere, even if it’s on an online travel agency. With this guarantee, you can enjoy loyalty benefits without spending more than necessary.

The decision becomes less straightforward if you want to leverage perks that require booking through a credit card travel portal — which can include bonus rewards or statement credits. You must prioritize what matters most: receiving elite perks and night credits or earning more credit card points and benefiting from automatic discounts for your stay.

However, it’s worth noting that flights booked through third-party sites generally qualify as ordinary revenue tickets and are thus eligible to earn points or miles in the given airline’s loyalty program. However, be sure to read the terms carefully to avoid booking restrictive basic economy fares .

Related: Why you don’t earn hotel points when booking through an online travel agency

Do you have travel credits you can use from your credit card?

Several credit cards offer travel credits on your statements when you book through their travel portals.

For example, the Capital One Venture X Rewards Credit Card (see rates and fees) offers $300 in annual credits when you reserve flights, hotels and rental cars through the Capital One Travel portal .

Similarly, anyone with The Platinum Card® from American Express can enjoy various benefits of the Amex Platinum , including an annual hotel credit worth up to $200 for prepaid reservations at Fine Hotels + Resorts properties or The Hotel Collection (the latter of which requires a two-night minimum). The perk is issued as a statement credit to your account. Like the Capital One credit, the only way to receive the Amex credit is to book an eligible stay through the American Express Travel portal .

Those with a Chase Sapphire Preferred Card also receive a comparable credit for hotel reservations, though it’s significantly lower at $50 per year. Simply book through the Chase Ultimate Rewards portal to have the annual credit appear on your account.

If you have a travel credit you have yet to use, take advantage of it before it expires. But carefully consider its rules to ensure your booking qualifies for reimbursement.

Related: The top 11 credit cards with annual travel statement credits

What will cost you the fewest points?

If you have accumulated enough points in credit card portals like American Express Membership Rewards or Citi ThankYou points , you should carefully consider which redemption option will require the fewest points for your upcoming trip.

Sometimes, transferring your points to a partner program and booking through their website may be the most cost-effective option.

On the other hand, it may be cheaper in some situations to keep your points in your credit card account and use them through the card’s travel portal. This is especially true for hotels, as transferring points to a partner hotel loyalty program may provide less value than redeeming them directly through your credit card issuer.

This can also make sense for boutique properties that don’t participate in a loyalty program.

Always compare both redemption options before transferring your points to ensure that you get the best value .

Related: How (and why) you should earn transferable points

What will get you the most points on your credit card?

Regarding travel expenses, you should consider which credit card offers the best rewards for each purchase .

For instance, the Capital One Venture X card provides 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel. Additionally, you earn 5 miles per dollar spent on flights booked this way. Comparing these rates to the 2 miles per dollar earned on purchases made outside the Capital One Travel portal, it’s clear which option is more advantageous.

Chase follows a similar pattern. If you have the Chase Sapphire Reserve and book through the Ultimate Rewards portal, you will earn 10 points per dollar spent on hotels and rental cars and 5 points on flights. These rates are significantly better than the 3 points per dollar earned on travel booked through other methods.

The Amex Platinum card presents a more drastic example. It offers 5 points per dollar for prepaid hotels booked through the Amex Travel portal. You also receive 5 points per dollar spent on flights booked directly with an airline or through Amex Travel (up to $500,000 in flights per calendar year, then 1 point per dollar spent). However, for hotel reservations booked directly with a hotel, you only earn 1 point per dollar spent. While you can choose either option for airfare, booking hotel stays through Amex Travel is best to maximize your earnings — though again, you’ll likely give up the opportunity to earn hotel points by doing so.

Related: What are points and miles worth?

Do you have to choose between rental car loyalty perks and a better price?

Online travel agencies and portals are popular because they offer convenience. You can visit a single website and compare results from various rental car companies.

However, there is a trade-off to consider.

When you see a lower price on an online travel agency or credit card portal than a rental car website, you usually won’t receive any elite benefits associated with a rental car loyalty program . This is because most online travel agencies and credit card portals do not provide an option to add your rental car loyalty number to the reservation (though there are exceptions ). Even if they do, the rental agency often doesn’t honor the associated benefits, such as skipping the line during car pickup.

In such situations, you must decide whether booking the lower price or receiving perks is more important. Ultimately, the decision may come down to the price difference.

Related: Get automatic rental car elite status through your credit card

Will the hotel give preference to guests who booked directly?

In short: Possibly. You may not receive the same perks when booking a hotel through a third-party website instead of directly with the hotel.

For example, a TPG staffer faced this issue while staying at Universal’s Cabana Bay Beach Resort in Orlando. He booked through the Capital One Travel portal to earn miles with his Capital One Venture Rewards Credit Card (see rates and fees). However, this meant he couldn’t use the mobile check-in feature and had to wait in a long line at check-in. Additionally, he was assigned a less desirable room near noisy areas like the service elevators and housekeeping storage.

If you’re not a light sleeper or prefer in-person check-in, these drawbacks may not be significant concerns. Nevertheless, it’s worth considering these factors when deciding how to make your hotel booking.

Related: The best ways to book hotels through online travel agencies and bank portals

Can you get free perks from hotels booked via a portal?

Why not add free perks to the deal if you’re paying cash for a hotel?

With American Express, you can enjoy extras by booking through Amex Fine Hotels + Resorts or The Hotel Collection . However, you will not get these benefits if you book directly with the hotel.

Capital One and Chase offer similar programs through the Capital One Premier Collection , Capital One Lifestyle Collection and Chase Luxury Hotel & Resort Collection . When you book with these programs, you can expect to receive perks that could include free breakfast, a welcome gift or space-available room upgrades.

Related: 6 surprising ways to use your on-property credits at hotels

Will you get free nights added to a hotel booking?

Adding free nights to your hotel reservation could be a huge differentiator.

For example, the Citi Prestige® Card  offers a fourth-night-free benefit . But there are some restrictions and nuances to using this benefit. There’s a limit of two uses per year and you must book through Citi ThankYou Rewards to receive it.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Likewise, you can get a fourth or fifth night free when redeeming select types of hotel points for award stays — which could lead you to book directly with a hotel program.

Related:  Can I mix hotel points and free night certificates to get a 4th or 5th night free?

What if something goes wrong with your flights?

Unlike rental car and hotel reservations made through portals and online travel agencies, flights booked outside airline websites will still earn you miles and frequent flyer status credits.

This is good news, but it gets even better when you realize you can stack rewards by booking flights through online travel agencies . This means you can earn points on your credit card, miles from flying, shopping portal bonuses and rewards from the loyalty programs of online travel agencies .

However, there is a potential issue to consider if unexpected problems arise before or during your trip.

When you book directly with an airline and your flight gets canceled, you can deal with the carrier directly. They will reimburse or rebook you based on their change or cancellation policy . However, this may not be the case for portals and online travel agency bookings.

If the airline cancels your flight due to bad weather, they may instruct you to purchase new tickets for a later flight through your credit card portal or the online travel agency you booked with. If you have a schedule change or want to adjust your reservation, you often need to go back to the third-party site for support instead of contacting the airline directly. This can be a significant drawback when booking flights through a third-party option, particularly if your trip carries a high risk of weather-related issues or you think there’s a possibility that you’ll need to change (or cancel) your trip.

Related: Flight canceled or delayed? Here’s what to do

Bottom line

Having various options for booking trips is great. You can compare prices and use your points and miles effectively. You might even get extra perks that other websites don’t offer.

However, having too many options can be overwhelming and confusing.

To simplify the process, consider these nine questions before making your booking. By considering factors such as your travel credits and how the booking will impact your elite status strategy, you can avoid surprises during your trip and make the most out of the rewards you earn.

Additional reporting by Kyle Olsen.

SPONSORED:  With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.

And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free. 

These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.