Chase Final Rewards factors are among the many most helpful and helpful currencies you may acquire. Should you may translate Chase factors to {dollars}, they’d be price 2.05 cents every based mostly on TPG’s July 2025 valuations — however you may get way more (or much less) worth out of your Chase factors relying on the way you redeem them.
You’ll be able to select from a variety of redemption choices, together with among the greatest airline and resort switch companions, potential Factors Enhance alternatives once you e-book by way of Chase Journey℠, money again and fee for on a regular basis bills.
If you wish to maximize the worth of your Chase factors, maintain studying to find how a lot every redemption possibility is price.
What are Chase Final Rewards factors?
Final Rewards factors are the foreign money of most Chase-branded bank cards. You’ll be able to earn Chase Final Rewards factors for on a regular basis spending and redeem them for varied rewards.
Listed here are among the greatest choices for incomes Chase factors:
Observe that these playing cards are the one ones that permit transfers to airline and resort accomplice applications.
Nevertheless, if you happen to pair certainly one of them with an eligible cash-back Chase card — just like the Chase Freedom Limitless® (see charges and costs) or the Ink Enterprise Money® Credit score Card (see charges and costs) — you may mix your rewards in a single account, thus changing your cash-back rewards into absolutely transferable Final Rewards factors.
Should you’re new to the world of rewards bank cards, it is sometimes greatest to begin with Chase merchandise, because of the issuer’s well-documented 5/24 rule. Briefly, you usually cannot get authorised for any Chase playing cards if you happen to’ve utilized for 5 or extra new bank cards throughout all banks previously 24 months.
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Bear in mind this restriction as you construct a technique to maximise your bank card rewards.
How a lot are Chase Final Rewards factors price?
When redeeming Final Rewards factors, you will have three fundamental choices:
| Redemption possibility | Examples | Level worth |
|---|---|---|
| Switch factors to journey companions | 14 airline and resort loyalty applications | Probably 2.05 cents every |
| Redemptions by way of Chase Journey | Flights, lodges, cruises, excursions and rental vehicles | Between 1 and a couple of cents every, relying on the cardboard you maintain and whether or not the redemption is Factors Enhance eligible (examine your card’s information to advantages for extra data) |
| Fastened-value, non-travel redemptions | Money again, reward playing cards and Apple merchandise | Between 0.8 and 1.5 cents every, relying on the redemption possibility |
Let’s take a better take a look at every of those choices.
Chase Final Rewards factors worth with journey companions
Transferring Final Rewards factors to journey companions is commonly essentially the most helpful option to redeem them.
You’ll be able to switch Final Rewards factors to 11 airline applications:
Chase additionally companions with three resort loyalty applications:
All switch ratios are 1:1 (although there are occasional switch bonuses), and you have to switch factors in 1,000-point increments. As famous beforehand, you may solely switch factors from Sapphire Most popular, Sapphire Reserve and Ink Enterprise Most popular accounts, although you may transfer your cash-back rewards into these accounts utilizing the “Mix factors” performance within the portal (apart from the Ink Enterprise Premier® Credit score Card (see charges and costs).
The very best resort switch accomplice
A specific standout switch accomplice is World of Hyatt. Hyatt factors are among the many most respected resort factors, given this system’s low award redemption charges and wonderful vary of finances and luxurious properties.
Transferring your Chase factors to World of Hyatt and redeeming them in an expensive resort market like London can simply yield at the very least 2 cents of worth per Chase level.
For instance, if you happen to have been to redeem 30,000 factors for a one-night keep on the Park Hyatt London River Thames (which prices $690 an evening), you’d get a worth of two.3 cents per level — a stellar worth in comparison with our present July 2025 estimate of two.05 cents apiece for Chase factors.
The very best airline switch companions
Should you desire flights over lodges, now we have discovered quite a few candy spots for each short- and long-haul flights in financial system and premium cabins, whether or not you fancy flying inside North America or so far as Europe or Asia.
Our favourite Final Rewards candy spots embrace:
- Iberia flights to Madrid: Spherical-trip flights from New York’s John F. Kennedy Worldwide Airport (JFK), Chicago’s O’Hare Worldwide Airport (ORD) and Boston Logan Worldwide Airport (BOS) to Adolfo Suárez Madrid-Barajas Airport (MAD) on off-peak dates will solely set you again 34,000 Avios in financial system, 51,000 Avios in premium financial system and 68,000 Avios in enterprise class once you switch your Chase factors to Iberia Membership.
- Flights to Hawaii with Alaska Airways and American Airways: By transferring your Final Rewards factors to British Airways, you may e-book awards with Oneworld companions American Airways and Alaska Airways. So long as your nonstop flight distance is underneath 3,000 miles every means (and there is accomplice award availability), you may leverage British Airways’ distance-based award chart to fly from any West Coast gateway to Hawaii for as little as 26,000 Avios round-trip.
- All Nippon Airways flights booked by way of Virgin Atlantic: For simply 145,000 Final Rewards factors, you may fly ANA round-trip in first-class between the West Coast and Tokyo (once more, so long as there’s award availability). Flights from the East Coast solely value an additional 25,000 factors (170,000 factors round-trip). Enterprise-class redemptions are a good higher deal, costing simply 105,000 to 120,000 factors round-trip, relying in your U.S. departure airport.
- Brief-haul flights to Canada: Flights from JFK to Toronto Pearson Airport (YYZ) on United Airways begin at 6,000 miles one-way, with availability exhibiting on a number of dates. To e-book these United flights, switch your Final Rewards factors to Air Canada Aeroplan.
Worth of Chase factors when redeeming by way of Chase Journey
It’s also possible to e-book journey by way of Chase Journey and redeem factors for airplane tickets, resort stays, rental vehicles, cruises or experiences at a hard and fast money worth per level. This worth will depend on which card you maintain, once you acquired your factors and whether or not the redemption is Factors Enhance eligible.
The minimal mounted redemption worth that was once obtainable on Chase playing cards will likely be adjusted for many who opened their account after June 23. Should you’ve held your card since earlier than June 23, the factors you earn previous to Oct. 26 of this yr might be redeemed on the earlier charges till Oct. 26, 2027.
Take a look at this desk for extra particulars:
| Card | Cardholders who utilized earlier than June 23 | Cardholders who utilized after June 24 |
|---|---|---|
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Lastly, factors earned with the Chase Freedom Flex®, Ink Enterprise Limitless® Credit score Card (see charges and costs), Ink Enterprise Money Credit score Card or Chase Freedom Limitless are at all times price 1 cent per level when used to e-book by way of Chase Journey.
The data for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
That is one other case the place it is sensible to mix your factors within the card account that gives essentially the most worth. For instance, all of the factors you earn with the Freedom Flex might be moved to your Sapphire Reserve account, thus rising their worth from 1 cent to as much as 2 cents every when redeemed with a Factors Enhance promotion by way of Chase Journey.
This technique can prevent lots of factors. For instance, a $300 resort or flight would value 30,000 Chase factors redeemed at 1 cent every. However if you happen to can redeem them for two cents every as a substitute, you may solely want 15,000 factors for this reserving.
Chase Final Rewards factors worth for non-travel redemptions
There are a number of non-travel methods to spend your Chase Final Rewards factors. You should utilize them like money by way of Amazon and PayPal or redeem them for Apple merchandise and reward playing cards. Sadly, you may get a poor worth of 1 cent or much less per Chase level this fashion.
You’ll be able to squeeze extra worth out of your Chase factors with Chase Pay Your self Again, which helps you to redeem factors for money again at a price of 1.25 to 1.5 cents every, relying in your card. This redemption price is legitimate on assertion credit towards rotating buy classes, equivalent to choose charities.
How do I earn Chase Final Rewards factors?
You’ll be able to earn Chase factors by way of bank card spending at charges of 1 to 10 factors per greenback, relying on the Chase bank card you carry and the acquisition class.
As talked about above, 4 playing cards earn absolutely transferable Final Rewards factors: the Sapphire Most popular, the Sapphire Reserve, the Sapphire Reserve for Enterprise and the Ink Enterprise Most popular.
Chase’s cash-back bank cards could circuitously earn you factors, however if you happen to maintain one other card that does, you may switch your cash-back rewards to this card to show them into Final Rewards factors (excluding the Ink Enterprise Premier).
We frequently suggest pairing an Final Rewards-earning card with at the very least certainly one of Chase’s cash-back playing cards so you may earn bonus factors in numerous classes and maximize your rewards.
You’ll be able to earn further factors with Store Via Chase, Chase’s on-line purchasing portal.
Backside line
The worth of Chase Final Rewards factors will depend on your journey fashion and objectives. Nevertheless, assigning a greenback worth per Chase level can assist you identify the neatest option to redeem them.
We usually do not suggest utilizing your Chase factors for money again, reward playing cards or merchandise since you’ll get the poorest worth this fashion — 1 cent per level or much less. You’ll be able to maximize the worth of your factors, as much as and above 2.05 cents every, by transferring them to Chase’s big selection of airline and resort companions and reserving award candy spots.
Should you desire a less complicated option to redeem, Chase Journey presents a ton of choices, and you may get a stable worth of as much as 2 cents per level, relying on the Chase card you maintain and whether or not Factors Enhance is relevant.
