Determine the real-world value of your Chase points based on your specific card and redemption method.
Chase Sapphire Reserve® (1.5¢ per point)
Chase Sapphire Preferred® (1.25¢ per point)
Ink Business Preferred® (1.25¢ per point)
Chase Freedom Flex/Unlimited® (1.0¢ per point)
Ink Business Cash/Unlimited® (1.0¢ per point)
Travel via Chase Portal
Cash Back / Statement Credit
Transfer to Travel Partners (Estimated 2.0¢)
Custom Point Value (cents)
Your Points Value:
How Much Are Chase Points Worth?
Chase Ultimate Rewards® points are widely considered one of the most valuable credit card currencies. Their value depends entirely on which card you hold and how you choose to redeem them.
Redemption Type
Value per Point
Cash Back / Gift Cards
1.0 cent
Travel (Sapphire Preferred)
1.25 cents
Travel (Sapphire Reserve)
1.5 cents
Partner Transfers (Hyatt, United, etc.)
1.0 – 4.0+ cents
Maximizing Your Chase Points
To get the highest "cents per point" (CPP) value, follow these strategies:
The "Trifecta": Combine a Chase Sapphire card with Freedom cards. Move points from your Freedom card to your Sapphire card to unlock higher travel redemption rates.
Transfer to Partners: Instead of booking through the portal, transfer points to Hyatt or international airlines. For example, a 30,000-point stay at a high-end Hyatt hotel might cost $900, giving you 3 cents per point.
Avoid Pay Yourself Back (Unless Promo): Unless there is a specific category promotion, this often matches the standard cash-back rate.
Calculation Example
If you have 60,000 points and the Chase Sapphire Reserve:
Cash Back: 60,000 x $0.01 = $600
Travel Portal: 60,000 x $0.015 = $900
High-Value Transfer: 60,000 x $0.02 = $1,200
function calculateChaseValue() {
var points = parseFloat(document.getElementById("pointAmount").value);
var cardMultiplier = parseFloat(document.getElementById("cardType").value);
var method = document.getElementById("redemptionMethod").value;
var customRateInput = document.getElementById("customRateRow");
var finalCentsPerPoint = 0;
var resultDiv = document.getElementById("chaseResult");
var totalValueDisplay = document.getElementById("totalValue");
var noteDisplay = document.getElementById("redemptionNote");
if (isNaN(points) || points < 0) {
alert("Please enter a valid number of points.");
return;
}
if (method === "custom") {
customRateInput.style.display = "block";
finalCentsPerPoint = parseFloat(document.getElementById("customRate").value);
} else {
customRateInput.style.display = "none";
if (method === "cash") {
finalCentsPerPoint = 1.0;
noteDisplay.innerText = "Cash back redemptions are fixed at 1 cent per point regardless of your card level.";
} else if (method === "portal") {
finalCentsPerPoint = cardMultiplier;
noteDisplay.innerText = "This value reflects the " + (cardMultiplier === 1.5 ? "50%" : cardMultiplier === 1.25 ? "25%" : "0%") + " bonus applied when booking travel through Chase Ultimate Rewards.";
} else if (method === "partner") {
finalCentsPerPoint = 2.0;
noteDisplay.innerText = "2.0 cents is a common conservative estimate for high-value transfers (like Hyatt or Southwest). Actual value varies by booking.";
}
}
var totalDollars = (points * finalCentsPerPoint) / 100;
totalValueDisplay.innerText = "$" + totalDollars.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
resultDiv.style.display = "block";
}