Best Flexible Points Chase Ultimate Rewards Cards

Best Bonus

Ink Business Preferred® Credit Card

Earn 100,000 bonus points
Best Bonus
  • Earn 3x points on travel
  • Earn 3x points on shipping purchases
  • Cell Phone Protection
Apply Now Securely with Chase | Terms Apply.
The Ink Business Preferred Card is the single most well-rounded business credit card out there, in my opinion. The card offers the biggest sign-up bonus of any credit card, it offers incredible 3x points categories for common spending categories for businesses, and it offers amazing protection, ranging from car rental damage to cell phone protection. While I’d say this card isn’t worth it for someone strictly looking for cash back, otherwise you simply can’t go wrong with this card, in my opinion.
  • 3x Ultimate Rewards points on travel
  • 3x Ultimate Rewards points on shipping purchases
  • 3x Ultimate Rewards points on internet, cable and phone services
  • 3x Ultimate Rewards points on advertising purchases made with social media sites and search engines
Foreign Transaction Fee: $0
Annual Fee: $95
Purchase APR: 15.99%-20.99%Variable
N/A
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Earn 100,000 Chase Ultimate Rewards
  • 100,000 Chase Ultimate Rewards points after spending $15,000 on purchases within the first three months of account opening.
Starter Card

Chase Sapphire Preferred® Card

Earn 60,000 bonus points
Starter Card
  • 5x total points on travel purchased through Chase Ultimate Rewards®
  • 3x points on dining
  • 2x points on travel purchases
Apply Now Securely with Chase | Terms Apply.
The Chase Sapphire Preferred has been around for about a decade, and continues to be one of the most well-rounded credit cards for beginners and those looking for travel rewards. The Chase Sapphire Preferred offers generous rewards on dining and travel, great customer service, and some other useful perks.
  • 5X points on travel purchased through Chase Ultimate Rewards®
  • 3X points on dining
  • 2X points on all other travel purchases
  • 1 point per dollar spent on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $95
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • 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 Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Earn 60,000 Chase Ultimate Rewards

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Premium Card

Chase Sapphire Reserve®

Earn 50,000 bonus points
Premium Card
  • 3x points on Travel after the $300 Annual Travel Credit
  • 3x points on Dining
  • $300 Travel Credit
Apply Now Securely with Chase | Terms Apply.
The Sapphire Reserve is a staple in any Chase Ultimate Rewards earning portfolio. 3x points on dining and travel + at least a 1.5 cent per point value when you redeem for travel is excellent. The ability to combine points from other Ultimate Rewards earning cards to maximize your return makes this card all that more valuable. Oh, and you can transfer to airline/hotel partners. Sweet.

Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually.

Earn 3X points on other travel and dining

Earn 1 point per $1 spent on all other purchases

Foreign Transaction Fee: $0
Annual Fee: $550
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 for Global Entry or TSA Pre✔®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Earn 50,000 Chase Ultimate Rewards

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.