How to Earn Tons of Chase Ultimate Rewards Points

I love Chase Ultimate Rewards and they are my favorite points to collect.  Following is a guide on how to earn Chase Ultimate Rewards points.

Credit Cards Sign Up Bonuses

You can earn a large amount of Chase Ultimate Rewards points as a sign up bonus when you sign up for a new Chase credit card if you spend a certain amount in the first 3 months.  Here is a list of Chase credit cards that earn Ultimate Rewards and their sign up bonuses:

Personal Chase Cards:

Chase Freedom: $150 bonus (or 15,000 points) after you spend $500 on purchases in your first 3 months from account opening. No annual fee.

Chase Freedom Unlimited: $150 bonus (or 15,000 points) after you spend $500 on purchases in your first 3 months from account opening. No annual fee.

Chase Sapphire Preferred:  50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. $95 annual fee.

Chase Sapphire Reserve: 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. $450 annual fee and $75 for each authorized user. $300 Annual Travel Credit.

Business Credit Cards:

Ink Business Preferred: 80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. $95 annual fee.

Ink Business Unlimited: $500 bonus cash back (or 50,000 points) after you spend $3,000 on purchases in the first 3 months after account opening. No annual fee.

Ink Business Cash: $500 bonus cash back (or 50,000 points) after you spend $3,000 on purchases in the first 3 months after account opening. No annual fee.

Category Bonuses

All Chase credit cards that earn Ultimate Rewards points offer extra points for spending money in certain categories. So instead of earning 1 point per $1 spent, you can earn up to 5 points per $1.

Personal Chase Cards:

Chase Freedom: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter. See the Chase Freedom calendar here.

Chase Freedom Unlimited: Earn unlimited 1.5% cash back on every purchase.

Chase Sapphire Preferred: Earn 2X points on travel and dining at restaurants.

Chase Sapphire Reserve: 3X Points on Travel Worldwide, immediately after earning your $300 annual travel credit. 3X Points on Dining at Restaurants Worldwide. 1 point per dollar spent on all other purchases.

Business cards:

Ink Business Preferred: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. Earn unlimited 1 Point Per $1 spent on all other purchases.

Ink Business Unlimited: Earn unlimited 1.5% Cash Back rewards on every purchase.

Ink Business Cash: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Referral Bonus from Chase Refer a Friend Program

Chase periodically offers the opportunity to earn points for referring its credit cards through its Refer a Friend program. Basically the way Chase Refer a Friend works is that if you send a referral link to a friend (or family member) and they apply and are approved for that card you can anywhere between 5,000 to 20,000 points per referral.  You can earn a maximum of 50,000 bonus points per calendar year per credit card.

I use Chase Refer a Friend to earn points when a close family member applies for a Chase card and we try to time our applications to take advantage of the referral bonus. Here is a list of current Chase Refer-a-Friend opportunities.

Online Shopping

Chase has an online shopping portal (Shop through Chase) meaning you can earn Ultimate Reward points for online shopping which most people do anyway.

Manufactured Spending

I don’t do a huge amount of manufactured spend but I like to take advantage of deals on gift cards at office supply stores.  Staples and OfficeDepot periodically offer a rebate for purchasing Visa or Mastercard gift cards which rebate is usually larger than the fees incurred for purchasing gift cards. I liquidate the gift cards by purchasing money orders at Walmart or with Plastiq.

Pay Bills With Plastiq

I use Plastiq to pay bills that normally cannot be paid with credit cards. Unfortunately, you cannot use Visa credit cards to make mortgage payments.

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