How to Get the Most Out of Your Airline Miles and Points

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Lots of people like to travel to new places and try new things. The problem is that travel can be expensive.

I’ve personally managed to take nearly all of my vacations for free thanks to rewards credit cards. All in all, I’ve earned more than 1 million miles and points to fund my trips over the past five years. I’ve used these points to visit U.S. and international destinations I would never have seen otherwise, enriching my life in ways I couldn’t have imagined. 

If you know what you’re doing, you can — like me — save a lot of money by using airline miles and points. If you really take the time to optimize your travel rewards, you can find yourself on a luxury vacation for economy prices.

How to Get the Most of Your Airline Miles and Points

Most airlines and hotels operate loyalty programs that award you with miles and points when you fly or stay with them. 

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These points help you save money and earn upgrades when you redeem them for travel. And there’s lots you can do to earn more rewards even before you travel — giving you some much needed budgetary breathing room. 

Earning Miles & Points

If you’re looking to go on an exciting vacation on the cheap, you’ll want to earn as many miles and points as possible before you set sail. Use these strategies to boost your earning rate.

Sign Up for Airline & Hotel Loyalty Programs

Even if you haven’t flown with an airline or stayed at a hotel, you should be able to sign up for that company’s loyalty program. This ensures you’ll earn points next time you fly or stay with that company. 

It also ensures you’ll receive promotional offers. 

Though potentially annoying if you’re not actively planning to travel in the near future, these offers often promise big discounts or exciting opportunities to earn rewards points or miles. For example, members of American Airlines AAdvantage program often receive mailers to sign up for a branded credit card and get a great sign-up bonus.

Choose the Right Credit Card

One of the best ways to earn more airline miles and hotel points is to regularly use a travel credit card. 

Most major airlines and hotel chains have a credit card partner and offer one or more branded credit cards. Each time you use their card, you’ll earn points or miles that you can redeem toward future travel.

When evaluating potential travel credit cards, consider the following:

  • Whether You’ll Actually Use Your Points. If you won’t use the points or miles a card offers, it’s not worth getting.
  • How Much You’ll Earn. Look for cards that have the highest earning rates in the categories you know you’ll spend in.
  • Status and Perks. If you’re loyal to a specific airline or hotel, see if there are premium cards that come with status or perks with that chain. For example, certain Hilton credit cards confer automatic status that comes with you automatic room upgrades, a daily food and beverage credit, a free night on longer trips, and more.
  • Generic Cards. If you aren’t loyal to a specific brand, choose one that offers generic rewards like the Chase Sapphire Preferred Card or the American Express Gold Card. Instead of being tied to a single airline, you can use Chase Ultimate Rewards or American Express Membership Rewards points toward travel on a number of the card issuers’ partner airlines.

Take Advantage of Welcome Bonuses

One of the best opportunities to rack up points or miles is through welcome bonuses and other credit card offers.

Credit card issuers want you to sign up for their card, so they’ll try to incentivize people to sign up through these offers. Usually, they require you to spend a certain amount of money within a certain time period, often three or four months.

For example, you might see a deal to earn 40,000 miles when you spend $3,000 in your first three months with a new credit card.

These bonuses are often large enough to get you a free round-trip flight or hotel stay right away. If you’re in the market for a travel credit card, pay attention to each contender’s welcome bonus offer — it could well be the card’s defining feature.

However, be careful and make sure that you can meet the spending requirement of any card you sign up for without overspending. If you overspend and carry a balance, the interest you pay will more than offset the value of the rewards you earn.

Take Advantage of Bonus Spending Categories

Some credit cards have flat-rate rewards programs. You earn rewards at the same rate regardless of where you spend your money.

Other rewards programs have bonus categories. For example, a credit card might give you 1 mile per dollar spent on most purchases but offer 2 bonus miles for each dollar you spend at restaurants.

For example, the Chase Sapphire Preferred Card offers:

  • 5x points on travel through Chase
  • 3x points on dining and delivery
  • 3x points on groceries
  • 3x points on select streaming services
  • 2x points on other travel purchases
  • 1x points on everything else

Some cards also offer limited-time deals where you can get even higher earning rates at certain merchants, such as 10x points per dollar spent with a particular merchant.

If you have multiple rewards credit cards, try to optimize your spending to take advantage of bonus spending categories and earn more miles or points.

Refer a Friend

Many credit card issuers offer refer-a-friend bonuses to cardholders who get someone else to sign up for a travel card. Often, these programs are win-win situations: You get a bonus for making a successful referral and the referred person gets a lucrative sign-up bonus.

If you know someone who wants a travel credit card, refer them to your favorite card. You could both end up closer to a free flight or hotel stay.

Pay for Group Travel

If your friends aren’t up for signing up for new cards but still want to travel with you, you can accelerate your earnings by offering to book everyone’s flights and hotels. Put the cost of the trip on your card and have everyone else pay you back.

As long as they do pay you back, you earn miles or points on the entire trip value while still only paying your portion of the costs.

This can be especially lucrative if your credit card offers bonus points for spending on flights or hotels. You could find yourself racking up tens of thousands of points if you put all of the flights or hotel rooms on your card. It’s also a good way to hit spending requirements for welcome bonuses.

Just make sure you get paid back after you book the trip.

Use Shopping Portals

Many credit card issuers, airlines, and hotel chains offer shopping portals that sell merchandise and travel. If you shop through these portals, you could earn additional frequent flyer miles or rewards points, often at better rates than those offered by the card’s regular rewards program.

Depending on the portal, you might even earn points when you shop with a debit card. That’s great news if your credit score isn’t where you’d like it to be and you’re having trouble qualifying for a travel credit card as a result.

Earn Elite Status

Many airlines’ and hotels’ loyalty programs offer elite status if you earn enough miles or points or spend enough money on their branded credit cards. If you travel a lot, elite status is well worth the effort to achieve, as it promises perks like room or fare upgrades, food credits, bonus point earnings, free nights, and more.

For example, if you earn at least 125,000 Rapid Rewards points with Southwest Airlines, you qualify for a companion pass. That gives one companion of your choice a free ticket on any flight you take, less taxes and fees. The pass lasts through the end of the following year, giving you more than 12 months to enjoy this benefit. 

Redeeming Miles & Points

Earning your miles and points is just one piece of the puzzle. You’ll want to use points in the most efficient way possible to make sure you get the best value.

Be Flexible About Travel Dates

Whether you’re paying for your airline ticket with cash or miles, being flexible about your travel dates is one of the best ways to save money while traveling. 

Certain times of the year, like Thanksgiving weekend and the period between Christmas and New Year’s Day, have huge demand for travel. Other times, not so much.

For example, a recent round-trip flight between Boston and Orlando cost me about $220 in early June. Not bad. During Thanksgiving week the same year, the same route cost more than double that. Ouch.

Certain days of the week are busier and therefore more expensive too. Expect to pay more to fly on Thursdays, Fridays, and Sundays. 

Bottom line: If you can be flexible and travel during less busy times, you can redeem your points for award flights at a much cheaper rate.

Treat Yourself to Upgrades

If you’re looking for a luxury vacation, fare class or room upgrades offer fantastic value for your points. You can often upgrade to a first-class or business class seat for a relatively low number of miles compared to the difference in the two fares’ cash prices.

Hotels are similar. More luxurious rooms often cost fewer points than you’d expect based on the cash price.

If your goal is to travel as much as possible, don’t waste your points on upgrades. But if you’re craving a once-in-a-while splurge, this is a cost-effective strategy. 

Think Beyond Airfare and Hotels

Airfare and lodging are big travel expenses, but they’re not the only ones you’ll encounter on your journey. Once you get where you’re going, you have to think about what you’re going to do and how you’ll get around.

Some hotels and airlines have partnerships with rental car companies or vacation companies that offer activities or excursions. You might be able to redeem your rewards for exciting activities or a free rental car so you can drive around your destination.

Travel cards with generic rewards are often the best way to get these redemptions. For example, Chase’s Sapphire line of cards let you redeem your points not only for flights and hotels but also for cruises, rental cars, and sightseeing tours.

Consider the Point Transfer Ratio

Many airlines and hotels have partner companies and let their customers transfer points or miles to their partners. This has two clear benefits.

First, it gives you more options. For example, the OneWorld Alliance is a group of airlines that includes American Airlines, British Airways, Japan Airlines, and Qantas, among others.

If you have American Airlines AAdvantage miles, you can often use them to book flights with another member of the OneWorld Alliance.

Second, if you’re willing to put in some work, you can sometimes get even more value for your points by transferring them. Favorable transfer ratios often boost your points’ value — sometimes by an order of magnitude — after you’ve moved them to another airline.

Find the Award Chart Sweet Spots

Some hotels and airlines have standardized redemption options, letting you turn a set number of miles into a specific flight or hotel stay.

For example, JetBlue offers one-way flights to and from Hawaii and any U.S. East Coast location for 30,000 miles, making a round-trip vacation 60,000 miles. 

Depending on where you live on the East Coast, that deal could be a great value over redeeming points for other flights. For example, despite the much shorter distance and (usually) lower dollar cost, a flight between Boston and Los Angeles can cost as much as 33,000 points.

Be on the lookout for sweet spots where you can get a far greater value for your points or miles than other redemptions.

Redeem Via the Rewards Portal

If you’re using a travel credit card with generic rewards instead of a branded airline card, you can often get better value for your points by using the card issuer’s rewards portal.

For example, the Chase Sapphire Reserve Card boosts your points’ value by 50% when you use them to book travel through Chase’s travel portal. If you book your tickets outside the portal, you lose that value.

Pool Points With Friends & Family

If you’re going on a family vacation with members of the same airline or hotel loyalty program, look into pooling your points as a group. Many airlines and hotels allow this at no cost. 

If you each have just a few thousand points, you may not be able to get any useful redemptions on your own. But together, you might be able to get a free ticket or room and split the savings between everyone.

Watch for Limited-Time Deals

Some airlines or hotels will run deals where you can redeem your points for great deals. If you’re paying attention, you might see a chance to get a flight or hotel stay for half the normal price.

These deals can also come on the earning side, such as a higher earning rate on the purchase of a flight or hotel stay. This can accelerate your progress toward a free flight or stay.

Don’t Forget Partner Awards

Just like the various travel alliances often let you transfer points between airlines or hotels, you can often redeem your miles directly for flights on other airlines without having to transfer them first.

Partner bookings can be a bit complicated when it comes to finding the best value for your miles. But if you’re lucky, you can get a great redemption for very cheap.

Familiarize yourself with the different airline alliances to see which airlines are partners to see if you can find good opportunities. If you have a specific trip in mind, you can do some research online — using resources like travel subreddits — to see if other travelers have found exciting deals.

Keep an Eye on Expiration Dates

Some loyalty programs make their miles or points expire after a period of time. For example, American Airlines miles expire after two years of no activity. 

Fortunately, if you earn a single mile during any two-year period, you reset the timer for your entire balance. Time your purchases accordingly.

Cash Out Miles You Won’t Use

Between sign up bonuses, referring friends, and not having time to travel much, you might find yourself with way more miles and points than you can imagine yourself using.

If you find yourself with miles that are about to expire or that you won’t otherwise use, try to redeem them for something so that you don’t completely miss out on the value. 

You can do this even if you don’t plan to travel in the near future. Many airlines let you cash out your miles for non-travel rewards, such as gift cards or merchandise. While these redemptions are generally a worse value than redeeming miles for an award ticket they’re better than letting your miles languish and never get used.

Final Word

If you like to travel, airline and hotel rewards programs are a great way to save money on trips or to take a luxury vacation. 

Signing up for the right credit card, finding opportunities to maximize mile and point earnings, looking for lesser-known ways to boost points’ redemption value — these strategies and more have significantly reduced my travel costs over the years. They can do the same for you.

But maximizing travel rewards is just one way to save money on the road. Even as you work to make the most of your points, look for other opportunities to take exciting trips on the cheap too.

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TJ is a Boston-based writer who focuses on credit cards, credit, and bank accounts. When he’s not writing about all things personal finance, he enjoys cooking, esports, soccer, hockey, and games of the video and board varieties.


The Stockperks App Rewards You Just for Owning Stocks

There’s all kinds of perks out there. If you’re lucky, you get perks at your job. You might get perks from your credit card or from customer rewards programs.

But what about investing? Shouldn’t you get perks for that, too? After all, you do own part of the company.

That’s the idea behind Stockperks, a free app that earns you perks for being an investor — things like discounts, free stuff, cool experiences and more.

How to Get Perks for Being an investor

If you own a piece of a company, Stockperks believes you should be treated like one. It’s the first app of its kind, and it works with companies to make sure that you, as an investor, get exclusive perks in return.

For example, if you own even a single share of WeWork stock,  Stockperks will make sure you get you three free days of access to WeWork’s cool co-working spaces. iRobot offers shareholders discounts on vacuums and Ford offers special pricing on vehicles.

Stockperks is constantly updating its offerings and partnerships, so your perks aren’t just a one-time thing.

Start Getting Treated Like an Owner

Getting started is easy. Just download the Stockperks app and connect your brokerage account. This lets Stockperks see what stocks you own so it can start getting you perks.

And don’t worry — Stockperks protects your financial information with military-grade security, and they never sell your information.

Download the Stockperks app and start earning perks on your investments. Isn’t it time you started getting treated like an owner?

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. He likes perks, especially ones involving food.




Buy Now, Pay Later (BNPL) vs. Credit Cards – How Are They Different?

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Everyone loves immediate gratification. Get what you want today, and avoid paying for it until later.

At a cost, of course.

Credit cards have allowed consumers to do this for decades, but a growing number of buy now, pay later (BNPL) services have entered the market as an alternative. So how do the two models differ, and which one should you use, if any?

What Is Buy Now, Pay Later (BNPL)?

Buy now, pay later services offer short-term financing for consumer goods. You pay them back in installments over a short period of time, usually less than a year but up to four. 

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Most BNPL services require an upfront deposit, such as 25% of the purchase. Some come with a preset number of payments for the remaining balance. Others let you select from a range of payback schedules. 

Let’s say your refrigerator goes kaput on you unexpectedly. You find a new refrigerator for $700 at the appliance store, but you don’t have $700 to spare in your checking account. So you use a BNPL service and put down $200 at checkout, agreeing to pay the remaining $500 over the next three months.

Some BNPL services don’t even charge interest when you choose a fast repayment plan. 

Common BNPL services include: 

Some, such as Affirm and PayPal, also offer credit or debit cards in addition to BNPL plans.

How Is Buy Now, Pay Later Different From Credit Cards?

Generally speaking, you can only use BNPL services to pay at retailers. You can pay with credit cards for virtually any cost, from gasoline to airfare to utility bills to even rent payments. 

Credit cards also offer more flexibility for repayment. You can pay down your credit card balance at your own speed, although credit card companies typically charge high interest rates for any balance carried over from one month to the next. Most charge late fees if you don’t make the minimum payment on time.

In contrast, BNPL services often charge 0% interest. Some don’t even charge late fees.

Credit card companies sometimes charge other fees as well. These include balance transfer fees, annual fees, cash advance fees, and foreign transaction fees.

A credit card is a type of revolving credit, also known as a credit line. You pay down your balance then charge it up again as long as you don’t exceed your preset spending limit. A BNPL service is a fixed installment loan with a predetermined payment schedule, similar to a mortgage or auto loan. 

Pros and Cons of Buy Now, Pay Later

Before choosing BNPL services over credit cards, make sure you understand the pros and cons of each.

Advantages of BNPL

When it comes to paying for retail goods, BNPL companies have several distinct advantages, including no hard credit check and the potential for fast approval.

  1. Fast Approval. When you create an account with a BNPL service, you often get prequalified instantly to pay with them. Then you simply pay with them when checking out at approved retailers.
  2. No Hard Credit Check. BNPL companies typically use a soft credit check to pull your credit report. This doesn’t ding your credit score the way that a hard inquiry does. 
  3. Potential for Interest-Free Credit. While credit cards might offer a brief introductory 0% APR period, all start charging interest on balances eventually. Some BNPL companies offer true 0% interest options. 
  4. Potential for No Fees. Moreover, some BNPL services don’t charge any fees at all, including late payment fees or prepayment penalties. 
  5. Flexible Repayment Terms. Many BNPL companies offer a range of repayment schedules, from a few weeks to a few years. 

Disadvantages of BNPL

Of course, buy now, pay later services come with their own downsides as well. Keep them in mind when opting for BNPL over a traditional credit card. And mind the typical risks of deferring payment as well, such as the risk of digging yourself into a hole of debt that you can’t easily climb out of.

  1. Not All Companies Accept BNPL. You can pay with a credit card almost anywhere. This isn’t the case with BNPL. If a particular retailer doesn’t accept BNPL payments, you’re out of luck. 
  2. No Rewards. Many credit cards come with juicy rewards. These include travel reward cards, cash back reward cards, in-store reward cards, restaurant reward cards, and beyond. BNPL services generally don’t offer rewards programs.
  3. No Other Perks. Beyond rewards, credit card users often get other perks such as rental car insurance and airport lounge access. That’s not the case with BNPL.
  4. Potential for Interest. Depending on the service and plan you choose, you may pay significant interest on your purchase. The net cost could be comparable to or even higher than a traditional credit card.
  5. Downside Credit Reporting. Most BNPL providers don’t report monthly payments to the credit bureaus, which could improve your credit score over time. However, if you default on your BNPL loan, the lender may report your outstanding balance to the credit bureaus. This could harm your credit score and make it more difficult to qualify for credit in the future. 
  6. Rigid Repayment Plan. When you pay with BNPL, you lock yourself into a rigid payment plan. You have no flexibility to pay your loan back more slowly if you hit a financial emergency. 

The Verdict: Should You Choose Buy Now, Pay Later or Credit Cards?

Keep the following in mind as you decide whether to use a BNPL service or traditional credit card.

You Should Use Buy Now, Pay Later If…

Buy now, pay later is a better fit if:

  • You Like Fixed Payment Schedules. Some people prefer fixed start and end dates. If you appreciate having exact installment payments due on specific dates, rather than the more open-ended repayment schedule typical of credit cards, BNPL is a better fit. 
  • You Have Trouble Opening a Credit Card. If you have weak credit or no credit history, you may have a hard time opening a credit card. You may find it easier to get approved for BNPL services.
  • You Hate Late Fees. If you can’t abide by late fees, you’ll appreciate that some BNPL services don’t charge them. However, if you routinely fail to make your owed payments, you may have a deeper budgeting problem that you should fix first. 

You Should Use Credit Cards If…

You might love BNPL services, but you can’t use them for every cost. Consider opening at least one credit card, even if you set it aside for emergency use only. 

In situations where you do have a choice of payment method, credit cards are a better fit if:

  • You Maximize Rewards. You can score free travel, meals, hotels, and cash back with reward credit cards. BNPL services rarely if ever offer rewards.
  • You Can Actually Use the Perks. If you travel frequently, credit card perks like airport lounge access and rental car insurance are a real help. Opt for a credit card rather than a BNPL plan if you actually use these sorts of perks and they justify any annual fee you have to pay. 
  • You Consistently Pay Off Your Balance Each Month. For responsible consumers who pay off their balance in full each month, credit cards offer nothing but upside. You can come out ahead by earning rewards without actually paying a cent in interest. Just make sure you earn enough to offset any annual fee.
  • You Want Extra Cushion for Your Emergency Fund. Your emergency fund can consist of more than just your savings account. I like to keep an unused credit card set aside as another resource I can fall back on in an emergency.
  • You Want to Build Credit. Credit cards report to the three major credit bureaus, every month, good or bad. If you make payments on time each month, credit cards offer an easy way to build credit history. Just remember that if you don’t pay off your balance in full each month, you’ll have to pay interest charges.

Both Are Great If…

It doesn’t hurt to have both credit cards and one or two prequalified accounts with buy now, pay later services. 

It’s possible that you’ll find both in the same package. Some credit cards have started offering built-in BNPL options, such as the American Express Plan It and Citi Flex Pay features. 

If you can’t find a suitable credit card with built-in BNPL, consider the following scenarios where it helps to have both.

  • The Seller Doesn’t Accept BNPL. Sometimes you don’t have a choice but to pay with plastic, even if you prefer BNPL.
  • You Need Longer Than a Month to Pay Off a Large Purchase in Full. Carrying a credit card balance over from one month to the next means paying interest on it. If you put your everyday costs on a credit card but you know you’ll need longer than a month to pay off a one-time large purchase, you can opt for a BNPL service offering 0% APR. 
  • You Have a Retailer-Specific Card. You might love BNPL services but have one retailer you frequent that offers stellar rewards on their in-store card. You can use that card exclusively with that retailer for the rewards, while opting for BNPL elsewhere.
  • You Have a Travel-Specific Card. Likewise, you might prefer BNPL for everyday purchases, but use a card for specific purchases like car rentals for the perks. 

Final Word

Even if you love buy now, pay later services, consider opening a credit card for the flexibility and credit reporting it offers. If you’ve had trouble qualifying for a credit card in the past, start with a secured credit card 

As you research BNPL services, double check the interest rate, fees, payment schedule flexibility, retailer variety, credit requirements, and refund and exchange policies. You may discover that it helps to set up accounts with multiple BNPL companies to maximize the number of retailers you can use them with. 

And regardless of whether you pay with a credit card or BNPL service, make your payments on time. Otherwise, you’ll find it’s much easier to spiral into debt than it is to escape it. 

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G. Brian Davis is a real estate investor, personal finance writer, and travel addict mildly obsessed with FIRE. He spends nine months of the year in Abu Dhabi, and splits the rest of the year between his hometown of Baltimore and traveling the world.


Chase Offers program guide

If you’re tired of clipping coupons and searching for promo codes but still want to save money, Chase Offers can help you earn cash back at the places you already shop. By taking a few minutes to browse deals and link them to a card, eligible Chase credit and debit cardholders can quickly start racking up statement credits.

What is Chase Offers?

Similar to other card-linked offer programs, Chase Offers gives cardholders deals from popular brands designed to help them save money on purchases such as dining, clothing and travel. There are plenty of deals to choose from and there’s something for every kind of spender.

“We also are featuring offers from partners that are exclusive to Chase customers,” says Maribel Ferrer, communications director of payments at Chase Offers. This makes it easy for users to know that they are getting great value and savings they couldn’t find hunting for a traditional coupon or promo code.

How does Chase Offers work?

Chase Offers is a pretty straightforward program and easily accessible for eligible members.

Ferrer says that Chase Offers doesn’t require customers to sign up and that customers who use the Chase Mobile App will automatically see their offers at the bottom of their home screens.

“All they have to do is simply add offers to their card with a single tap and then shop at the merchant to earn an automatic statement credit,” says Ferrer. There’s also no limit to the amount of deals you can choose and no penalty for not using an offer.

Once you make a qualifying purchase, you’ll receive the offered statement credit in the next seven to 14 business days.

Outside the Chase app offers, these deals are also available on the Chase website, in addition to on the mobile app. You can receive updated Chase Offers online via email, too. These options make it even easier for cardholders to find offers that work for them no matter where they prefer to browse.

Restrictions and drawbacks with Chase Offers

While Chase Offers has some unique features that add value for users, there are also some drawbacks to the program:

Chase Offers vary by eligible card

These exclusive Chase credit card offers are specific to each of your eligible cards, so you can’t use multiple cards to take advantage of the same deal more than once (unless it happens to be offered for both). If you spend differently on different cards, it’s  is likely your available deals will vary.

Keep close watch on the terms and conditions

Each merchant offer also has its own set of terms and conditions that you’ll want to read carefully. Offers might require certain purchase amounts or be limited to one use per card. To make sure you actually earn the statement credit, be careful with how you spend.

Chase Offers is only available in the U.S.

While many similar programs include offers outside of the U.S. – even if your purchase is made in a foreign currency – Chase Offers is only available stateside for now. You won’t be able to rack up extra cash back while you travel.

Types of deals you can find

“Deals vary and there is something for everyone,” says Ferrer, citing examples like pet shops and hardware stores as unique deals on Chase Offers. In addition to travel, dining and retail promotions, Chase Offers users can find exclusive cash back from a wide variety of brands.

To make the experience even more unusual, Chase Offers are tailored to the specific user. When you log into your Chase mobile app, you’ll see recommended deals inspired by your location and spending patterns.

Earn more with Chase rewards cards

Making a purchase to redeem a Chase Offer doesn’t affect your normal credit card rewards earning, so you can use deals to boost your overall rewards rate. If you stack Chase Offers on rewards earned on cards like the Chase Sapphire Preferred Card or Chase Sapphire Reserve card – two of our most popular travel cards – you can earn enough for your next trip in no time.

Here’s a quick look at a few of Chase’s rewards cards to give you an idea of what you can earn.

Intro bonus Rewards rate Annual fee
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

60,000 points if you spend $4,000 in first 3 months
  • 5X points on travel purchased through Chase Ultimate Rewards
  • 3X points on dining, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs)
  • 2X points on other travel
  • 1 point per dollar on general purchases
Chase Sapphire Reserve

Chase Sapphire Reserve®

50,000 points if you spend $4,000 in first 3 months
  • 10X points on hotels and car rentals purchased through Chase Ultimate Rewards
  • 5X points on air travel purchased through Chase Ultimate Rewards
  • 3X points on other travel and restaurant purchases
  • Earn elevated rewards on all travel purchases immediately after spending the $300 annual travel credit
  • 1X point on general purchases
Chase Freedom Unlimited

Chase Freedom Unlimited®

  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)
  • 5% cash back on Lyft purchases (through March 2022)
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on restaurant and drugstore purchases
  • 1.5% cash back on all purchases
Chase Freedom Flex℠ review

Chase Freedom Flex℠

  • $200 if you spend $500 in first 3 months
  • 5% cash back on rotating bonus categories that you must activate each quarter (on up to $1,500 per quarter)
  • 5% cash back on Lyft purchases (through March 2022)
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on restaurant and drugstore purchases
  • 1% cash back on general purchases
Ink Business Unlimited

Ink Business Unlimited® Credit Card

$750 if you spend $7,500 in first 3 months
1.5% cash back on all purchases
Ink Business Cash

Ink Business Cash® Credit Card

$750 if you spend $7,500 in first 3 months
  • 5% cash back on internet, cable and phone services and at office supply stores ($25,000 in purchases per year)
  • 2% cash back on gas and dining ($25,000 in purchases per year)
  • 1% cash back on other purchases

How to maximize rewards with Chase Offers

To ensure you are getting the most cash back from your Chase Offers, follow a few simple tips:

Combine Chase Offers with paper coupons, promo codes and other deals

Since statement credits for Chase Offers are awarded simply for using an eligible Chase credit card, you can usually still utilize paper coupons or promo codes when you make your purchase. If you take a little extra time to hunt for merchant promotions, you can boost your savings.

And if you have more than one credit card, you can take advantage of multiple card-linked offer programs. For example, if you have another Chase Visa card, you can link it to Uber’s Visa Local Offers program for extra Uber Cash. That’s an especially effective combo with a card that earns rewards on Uber, like the Chase Sapphire Reserve and its 3X points on dining and other travel not purchased through the Chase portal (after the annual $300 travel credit – which can also be used on Uber).

Shop using cash back portals to stack offers

Similar to using a promo code, you can shop online using cash back portals to stack promotions. Shop Through Chase is an excellent place to start collecting a few extra Ultimate Rewards points. Other websites like Cashback Monitor clearly show where you can earn rewards from particular merchants. If your Chase Offer applies to online purchases, shop through the cash back portal and use your linked Chase card to pay to earn even more.

Check for a Chase Offer every time you dine out

While Chase Offers range from retail promotions to travel offers, most deals seem to be dining-related. Before you eat out, check your Chase mobile app for an offer at your favorite restaurant to ensure you aren’t missing out on savings.

Amex Offers and BankAmeriDeals.

Bottom line

If you are a Chase customer, it’s no question that you can get great value by taking advantage of Chase Offers. You’ll find exclusive deals without the hassle of hunting down a coupon and automatically receive statement credits quickly.