Chase Final Rewards: Switch & maximize – The Factors Man

For those who redeem your factors for money again or assertion credit, every level is often price 1 cent. Nonetheless, should you use your factors to guide journey by the Chase Final Rewards portal or switch them to a journey companion, you’ll be able to usually get a better worth per level.

You should utilize your Chase factors for nearly any sort of journey reserving: Flights, accommodations, cruises, excursions and rental automobiles. You probably have a Chase Sapphire Most popular, your factors are price 1.25 cents every, whereas Chase Sapphire Reserve cardholders get a better valuation of 1.5 cents per level. This is a superb redemption choice for folk who do not wish to cope with difficult award program guidelines. It is easy and handy.

If you wish to really maximize your Final Rewards factors, the most suitable choice is commonly to switch them to one in all 14 airline or lodge companions. From there, you should utilize them for premium journey bookings like first-class flights and luxurious accommodations. It is a good suggestion to match your choices to find out the perfect worth on your factors.

Listed below are a number of the finest methods to redeem Final Rewards factors for max worth:

Chase additionally companions with three lodge packages:

All switch ratios are 1:1 (although there are occasional switch bonuses), and you will need to switch factors in 1,000-point increments.

If you wish to study some tips on redeeming factors for probably the most worth potential, you’ll be able to take a look at our information on Chase Final Rewards candy spots. We’ll break down a few of these choices under.

Associated: Get extra out of your factors with these 6 switch bonuses

Guide journey by way of Chase portal

You may guide journey by the Chase Journey Portal and redeem factors on your aircraft tickets, lodge stays, rental automobiles or experiences at a hard and fast money worth per level.

As a holder of the Chase Sapphire Most popular or Chase Ink Enterprise Most popular Credit score Card, every level is price 1.25 cents. You probably have the Chase Sapphire Reserve, your factors are price 1.5 cents every towards journey redemptions within the portal. You probably have a Chase Freedom Flex, Ink Enterprise Limitless Credit score Card, Ink Enterprise Money Credit score Card or Chase Freedom Limitless, all factors are price one cent every.

To present you an instance of how this works with an precise journey reserving, this is a one-night keep at The Ramsey Lodge in Pigeon Forge, TN. The paid charge involves $269 with taxes and charges. These with a Freedom Flex, Freedom Limitless, Ink Enterprise Limitless or Ink Enterprise Money card would want 26,900 factors for this reserving. Sapphire Most popular cardholders would want 21,520 factors whereas Sapphire Reserve cardholders would redeem simply 17,915 factors.

You probably have a number of playing cards that earn Final Rewards factors, you’ll be able to mix your factors into the account that will get the very best worth for Final Rewards bookings. For instance, your whole factors earned with the Chase Freedom Flex will be moved to your Sapphire Reserve account, thus rising their worth from 1 to 1.5 cents apiece.

It’s in all probability price entering into the behavior of mixing your factors each month or so, simply in case Chase decides to alter this coverage sooner or later. That is particularly vital provided that Chase has already made it more difficult to mix factors with a family member.

Guide cheap flights with factors

If yow will discover cheap airfare within the Final Rewards journey portal, it will possibly make sense to make use of your factors for these flights to avoid wasting money. Within the eyes of the airline, tickets booked this fashion are primarily the identical as a paid fare. This implies you’ll earn elite and redeemable miles. Watch out to keep away from fundamental economic system tickets, except you might be okay with the restrictions they entail.

Within the under case, spending 2,973 Final Rewards factors from a Sapphire Reserve account (1.5 cents every) to fly from Newark Liberty Worldwide Airport (EWR) to Fort Lauderdale-Hollywood Worldwide Airport (FLL) isn’t too shabby.

CHASE.COM

You may additionally think about the journey portal choice should you solely have a handful of Final Rewards factors left, since Chase allows you to redeem factors to cowl even only a portion of the journey price. You then pay the remaining steadiness with money.

Lastly, this can be a respectable choice for automotive leases, non-chain lodging or when money charges make spending factors by switch companions a nasty worth. The lodge choices offered are fairly different, although remember that should you guide a lodge that participates in a serious loyalty program by Chase Journey, you seemingly will not earn lodge factors, nor will you be capable to benefit from any elite perks.

Money again or reward playing cards

Theoretically, you’ll be able to redeem factors for a press release credit score financial institution deposit at a flat charge of 1 cent every.

Nonetheless, with Chase Pay Your self Again, you’ll be able to redeem factors for money again at a charge of 1.25-1.5 cents every, relying on the cardboard you’ve gotten. This redemption charge is legitimate on assertion credit towards rotating buy classes, corresponding to eating.

You may as well redeem factors for reward playing cards at a charge of 1 cent per level. However you are able to do higher with this system’s switch companions and Chase journey portal bookings, assuming you wish to journey. Nonetheless, we all know that wants can change, so these non-travel redemptions stay fall-back choices when wanted.

Prime Chase Final Rewards switch companions

Listed below are a number of the finest methods to redeem Final Rewards with airline and lodge switch companions:

United MileagePlus

United doesn’t publish award charts anymore, which will be good or unhealthy information, relying in your scenario. Fortunately, awards on companions nonetheless observe unpublished award charts with set redemption ranges, and United doesn’t go alongside gasoline surcharges.

You may guide home one-way United awards beginning at 5,000 miles every method, business-class awards to Europe begin at 60,000 – 70,000 miles every method and award flights to Australia and New Zealand in enterprise class for 80,000 – 90,000 miles every method.

In case you are reserving a visit that transits completely different areas (like North America to Europe), you may as well construct in a free flight section (referred to as the Excursionist Perk). In a pattern reserving, we discovered a round-trip economic system itinerary from Newark (EWR) to London (LHR) at 60,000 miles plus taxes.

Including in a flight from London to Brussels and spending one other week in Belgium prices the identical variety of miles (with fewer taxes) due to the Excursionist Perk.

Flexibility, the variety of companions United has and the convenience of redeeming MileagePlus miles makes United MileagePlus a preferred alternative amongst savvy Chase cardholders.

Associated: How you can get most worth from the United MileagePlus program

Southwest Airways Fast Rewards

TPG values Southwest Fast Rewards factors at 1.5 cents every, which is lower than the two cents per-point worth of Final Rewards. So transferring to Southwest isn’t an effective way to make use of your Chase Final Rewards factors. You should utilize your Chase factors to guide a “paid” Southwest flight by calling Chase Journey and reserving over the cellphone, because the flights will not be listed on the Chase Journey web site.

Nonetheless, there are a few situations the place transferring factors to a pleasant provider with no change or baggage charges is smart. First, for cheap fares of $100 or much less, Fast Reward factors will be price as a lot as 1.7 cents per level, which beats the worth you get when reserving by the portal. Second, when you’ve got a Southwest Airways Companion Move and are actually getting two flights for the worth of 1 award, then your factors develop into price as a lot as 3.4 cents per level for cheap fares.

Bear in mind too that Southwest flights booked with Fast Rewards factors embrace free modifications and cancellations, which supplies you a ton of flexibility if the award charge drops after reserving.

Associated: Reserving Southwest flights with Chase factors

Singapore Airways KrisFlyer

Singapore Airways has just a few issues going for it as a possible airline switch vacation spot on your Final Rewards. First, Singapore is likely one of the finest airways within the sky, with great service and opulent onboard merchandise and experiences. And the provider’s personal premium-class merchandise are usually solely accessible by the KrisFlyer program, not with its Star Alliance companions.

Second, there may be implausible worth in Singapore’s KrisFlyer program, with affordable award charts, low gasoline surcharges, routing guidelines that permit stopovers and the flexibility to mix a number of companions in a single award.

Lastly, the net award reserving software is intuitive and straightforward to make use of — although remember that transfers usually will not be instantaneous.

Listed below are a few of our favourite KrisFlyer redemptions when utilizing Chase Final Rewards.

19,500 miles every method from the U.S. to Hawaii in economic system

61,000 miles round-trip from the U.S. to Europe in economic system on Star Alliance companions

93,500 miles Sydney to Singapore one-way within the A380 First Suites

Saver Suites Class awards between Syndey and Singapore used to price simply 85,000 miles every method. That price has since elevated to 93,500 miles. Saver availability is difficult to return by, however should you actually wish to do this coveted product, you’ll be able to guide an Benefit award for 155,000 miles every method.

107,000 miles Los Angeles to Singapore one-way in enterprise for 17 hours on the A350

Pre-devaluation, a Saver award between Los Angeles and Singapore priced out at simply 95,000 miles every method. The award has since elevated to 107,000 miles however will be price it for a whopping 17-hour flight.

Iberia Plus

Spain’s nationwide provider stays a thriller to many Chase cardholders, regardless of the numerous worth Iberia Plus can supply U.S.-based flyers. The provider provides low cost economic system and transatlantic flights by itself steel and routinely has promotions, making Iberia Plus virtually irresistible for a fast hop throughout the Atlantic.

With out promos, transatlantic enterprise class is priced primarily based on a distanced-based award system. One-way flights from Miami to Madrid on off-peak dates begin at simply 21,250 Avios in economic system and 42,500 Avios in enterprise class, as an illustration. There will be lower than $100 in surcharges, relying on the category of service you guide:

Costs get much more engaging, nonetheless, for shorter routes (primarily based on distance in miles). For instance, off-peak flights from Boston to Madrid require solely 17,000 Avios in economic system and 34,000 Avios in enterprise every method:

Virgin Atlantic Flying Membership

There are a number of methods to make use of Virgin Atlantic’s loyalty program to unlock worth. Because of its personal distance-based system, you’ll be able to redeem miles to fly Delta home itineraries right here within the U.S. beginning at 7,500 miles per section, probably saving you hundreds of miles in comparison with what Delta is asking for a similar flight (although it’s price noting that these rewards aren’t as priceless as they was).

Delta One flights to Europe (excluding the U.Okay.) are a flat 50,000 miles for nonstop itineraries — although availability tends to be very scant. As a substitute, think about reserving Air France flights in enterprise class. On off-peak dates, flights from the U.S. to most of Europe are simply 48,500 factors.

Associated: How you can save hundreds of miles on Delta One awards to Europe

Different companions, like ANA, have award charts so engaging they nearly look like a mistake. You should utilize 145,000 Flying Membership miles to fly ANA firstclass round-trip from the West Coast to Japan and 170,000 miles round-trip from the central and japanese U.S. to Japan. Right here is Flying Membership’s award chart for ANA-operated flights:

Associated: Companion award flights on ANA simply acquired even higher: One-way redemptions now potential

Virgin Atlantic additionally provides engaging fares on flights between the U.S. and UK, although taxes on the return flight are fairly excessive. A one-way economic system class flight from the East Coast is simply 10,000 miles.

Total, Flying Membership presents a whole lot of completely different choices to yield important worth out of your Final Rewards — even after the Delta devaluation from 2021.

British Airways Govt Membership

For those who want a short-haul, nonstop flight on a Oneworld companion, British Airways Avios can reward you with great financial savings. Quick-haul flights exterior of North America which can be lower than 650 miles in size will price you solely 4,500 Avios. That is nice for exploring Europe on companion Iberia, as an illustration.

In North America, short-haul flights begin at 9,000 Avios for American Airways-operated itineraries and may give you important mileage financial savings over reserving the identical flight by American AAdvantage. Atlanta to Dallas prices solely 9,000 Avios on a day when American might cost between 12,500 and 20,000 miles in its new dynamic pricing mannequin.

BA additionally lowered the price of Qatar Airways awards when the Doha-based provider adopted Avios as its personal loyalty foreign money final yr, giving yet one more nice choice for transferring your Chase factors for a priceless award ticket.

That mentioned, there are itineraries you don’t wish to guide with Avios, like long-haul British Airways flights or partner-operated flights that incur important gasoline surcharges. Keep on with brief hops on companion airways or fifth-freedom routes within the Caribbean (corresponding to Antigua to St. Kitts) and also you’ll get nice use of your Chase Final Rewards factors with British Airways.

Associated: The final word information to British Airways Avios

World of Hyatt

Among the best methods to make use of Final Rewards factors is to switch them to World of Hyatt for low or high-category properties. Usually talking, Hyatt factors are price greater than Marriott Bonvoy and IHG factors, so Hyatt is commonly your finest lodge switch companion inside Chase Final Rewards.

World of Hyatt additionally provides a particularly affordable award chart without spending a dime nights, with award nights starting from 3,500 – 45,000 factors. In the meantime, the World of Hyatt elite standing perks are thought of the perfect of any lodge loyalty program.

Associated: What’s World of Hyatt elite standing price?

For those who’re customary award nights, this system has worth throughout the spectrum of properties. Class 1-5 properties, particularly, can supply some implausible awards.

Examples embrace the Grand Hyatt Kauai (25,000 – 35,000 factors per evening), Hyatt Grand Cypress Orlando (12,000 – 18,000 factors), Grand Hyatt Washington D.C. (12,000 – 18,000 factors), Hyatt Regency Aruba (25,000 – 35,000 factors) and Park Hyatt Mendoza (9,000-15,000 factors).

A number of Class 1 properties promote for over $100 an evening (excluding taxes), so redeeming simply 3,500 factors for these on off-peak dates is often an excellent determination. An instance is the Hyatt Regency Downtown Tulsa, which is bookable for simply 3,500 – 6,500 Hyatt factors per evening.

Even the upper tiers of this system have substantial worth. For instance, redeeming 35,000 – 45,000 factors per evening on the ski-out Park Hyatt Beaver Creek or 25,000 – 35,000 factors per evening on the Park Hyatt St. Kitts or Park Hyatt Maldives could make sense, since rooms at these luxurious properties routinely promote for over $1,000 an evening.

The final a number of years have seen large development in Hyatt’s international footprint, due to the next new partnerships and integrations:

• Small Luxurious Motels of the World
• The addition of the Thompson, Alila and JdV by Hyatt manufacturers.
• The brand new all-inclusive manufacturers, primarily within the Caribbean however now in Europe as properly.

And this system is not achieved but, because it simply introduced plans to accumulate one other 1,500 luxurious properties beneath the Mr. and Mrs. Smith model — with the deal anticipated to shut in June 2023.

Associated: Getting elite-like perks at Small Luxurious Motels of the World

If you wish to use your Chase Final Rewards factors and shield your money, you’ll be able to guide all-inclusive resorts with Hyatt factors in Mexico, the Dominican Republic and Jamaica. These resorts begin at 12,000 factors per evening for double occupancy. Utilizing factors on this method will get you a room and meals, drinks, and a few on-site leisure (together with children golf equipment on the family-friendly resorts).

Right here’s TPG’s information to taking advantage of your Hyatt awards.

Much less fascinating Final Rewards companions

There are not any “unhealthy” redemptions in case your factors let you go the place you wish to go whereas holding your money safely tucked in your pockets. Nonetheless, some methods of utilizing Chase factors aren’t as mathematically rewarding as others.

The next Chase switch companions would require a singular circumstance for us to switch Final Rewards, corresponding to needing to high off an current account steadiness or a one-off instance of the place this system supplies worth. There are usually higher methods to get factors in these packages as a substitute of transferring Final Rewards.

Here’s a fast synopsis of every:

Air France-KLM Flying Blue

You may definitely get fortunate and discover a good redemption. For instance, TPG Editor Nick Ewen snagged three one-way, business-class awards from Miami (MIA) to Venice (VCE) for 53,000 miles and ~$235 in taxes and charges again in 2019. Nonetheless, it’s typically simply too variable.

For those who did want Flying Blue miles — maybe to benefit from this system’s month-to-month, discounted Promo Rewards or discounted awards for kids — it’s best to in all probability switch American Categorical factors. Be sure to keep away from falling sufferer to phantom award house. The Flying Blue web site usually exhibits award house that is not really accessible. To keep away from this, name and ensure with a cellphone agent earlier than transferring factors.

Associated: Transferring Final Rewards factors to Flying Blue

Aer Lingus AerClub

There’s one other model of an Avios program right here, however nothing actually engaging that’s worthy of an Final Rewards switch.

JetBlue TrueBlue

TrueBlue factors are redeemed for JetBlue flights at a comparatively fastened charge of 1.3 to 1.4 cents per level. With that redemption charge, there are simply too many different priceless locations on your Final Rewards factors. So except you might be topping off an award, this may not be your finest switch choice.

You may as well guide JetBlue flights by the Final Rewards journey portal and get a assured 1.5 cents per level when you’ve got the Sapphire Reserve in your pockets.

IHG One Rewards

Prime-tier properties within the IHG portfolio usually require 100,000 factors per evening, however we’ve seen examples of even greater pricing. It merely prices an excessive amount of to guide award nights on this program utilizing Final Rewards factors. We typically imagine that some other switch companion is a greater vacation spot on your Final Rewards factors than IHG, particularly since IHG typically sells factors for simply 0.5 cents every.

Word that IHG did simply launch some notable updates to its program, however none of those transfer the needle on the subject of transferring your Chase factors.

Associated: IHG’s dynamic pricing goes wild, spiking award charges for some accommodations

Marriott Bonvoy

On a case-by-case foundation, it might make sense to switch Final Rewards to Marriott to redeem for an award evening. Nonetheless, these awards will be fairly dear, and with the launch of dynamic pricing, it may be even more durable to search out worth.

With many various Marriott cobranded playing cards, it’s too straightforward to earn the Marriott factors you want with out transferring them from Chase Final Rewards.

Greatest playing cards for incomes Chase Final Rewards

The primary three playing cards under earn totally transferable Final Rewards factors all by themselves, whereas the remaining 4 are technically billed as cash-back bank cards.

Nonetheless, when you’ve got an Final Reward-earning card, you’ll be able to convert your Chase cash-back rewards to full Final Rewards factors. Because of this, it will possibly make sense to have a couple of Chase card within the household to maximise your incomes and redeeming potential. For full particulars on how this could work, take a look at TPG’s information to transferring Chase factors between accounts.

With that out of the way in which, listed below are the seven playing cards that let you earn Chase Final Rewards factors.

Chase Sapphire Most popular Card

(Picture by John Gribben for The Factors Man)

Welcome bonus: 80,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening.

Why you need it: This can be a implausible all-around journey bank card. It earns:

• 5 factors per greenback on Lyft (by March 2025).
• 5 factors per greenback on all journey bought by Chase Final Rewards.
• 3 factors per greenback on eating, together with eligible supply providers, takeout and eating out.
• 3 factors per greenback on choose streaming providers.
• 3 factors per greenback on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment).
• 2 factors per greenback on all different journey.
• 1 level per greenback on all different purchases.

The Sapphire Most popular has no overseas transaction charges and comes with many journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automotive rental insurance coverage (learn how that may prevent from a shock last-minute $1,000 lodge invoice.) To high all of it off, Chase typically provides wonderful customer support and reaching an agent is straightforward whenever you name the quantity on the again of the cardboard.

Annual Charge: $95.

Learn the complete card evaluate.

Official software hyperlink: Chase Sapphire Most popular.

Chase Sapphire Reserve

Welcome bonus: 60,000 factors after you spend $4,000 on purchases within the first three months from account opening

Why you need it: Put merely, for its incomes energy paired with journey perks that may simply cowl the annual payment. It now accrues:

• 10 factors per greenback on Lyft (by March 2025).
• 10 factors per greenback on Chase Eating booked by Final Rewards.
• 10 factors per greenback on lodge and automotive rental purchases by the Final Rewards Journey portal.
• 5 factors per greenback on airline journey booked by the Final Rewards Journey portal.
• 3 factors per greenback on journey not booked by Chase.
• 3 factors per greenback on different eating purchases.
• 1 level per greenback on all different eligible purchases.

Different perks embrace an easy-to-use $300 annual journey credit score, a payment credit score for International Entry or TSA PreCheck (as much as $100 as soon as each 4 years), and Precedence Move Choose lounge entry. This contains the flexibility to make use of your Precedence Move membership for discounted meals in airport eating places. Cardholders additionally get main automotive rental protection, journey interruption/cancellation insurance coverage and different protections.

Annual payment: $550.

Learn the complete card evaluate.

Official software hyperlink: Chase Sapphire Reserve.

Ink Enterprise Most popular Credit score Card

Welcome bonus: 100,000 factors after you spend $15,000 on purchases within the first three months from account opening.

Why you need it: This is likely one of the finest bank cards for small-business homeowners, incomes 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey, transport purchases, web, cable and cellphone providers, promoting made with social media websites and search engines like google and yahoo every account anniversary yr. You earn 1 level per greenback on all different purchases, and factors don’t expire so long as your account is open. Factors earned on the Ink Most popular will be transferred to a number of airline and lodge companions.

Annual Charge: $95

Learn the complete card evaluate.

Official software hyperlink: Ink Enterprise Most popular.

Now we get to the “cash-back” playing cards the place you’ll be able to mix your factors with these from one of many three we’ve already detailed in order that they develop into transferable as properly.

Ink Enterprise Money Credit score Card

Welcome bonus: $750 money again after you spend $6,000 on purchases within the first three months from account opening. This may be the identical as 75,000 factors when you’ve got one other Final Rewards-earning bank card.

Why you need it: Earn 5% money again on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable and cellphone providers every account anniversary yr (then 1%). Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr (then 1%). You may convert these earnings to Final Rewards factors when you’ve got one of many three playing cards above.

Annual Charge: $0

Learn the complete card evaluate.

Official software hyperlink: Ink Enterprise Money.

Ink Enterprise Limitless Credit score Card

Welcome bonus: $750 money again after you spend $6,000 on purchases within the first three months from account opening.

Advantages: Earn limitless 1.5% cash-back rewards on each buy. These cash-back earnings will be transformed to Final Rewards factors when you’ve got one of many three high playing cards listed above, which implies your small enterprise can primarily earn 1.5 factors per greenback on all expenses made with this card.

Annual Charge: $0.

Learn the complete card evaluate.

Official software hyperlink: Ink Enterprise Limitless.

Chase Freedom Flex

Welcome bonus: $200 (20,000 Final Rewards factors) after you spend $500 within the first three months of account opening.

Advantages: The cardboard earns 5% again on choose bonus classes, which rotate each quarter and apply on as much as $1,500 in mixed spending (activation required). Frequent previous bonus classes embrace gasoline stations, supermarkets, eating places, warehouse shops and malls. You may convert these rewards to priceless Final Rewards factors when you’ve got one of many high three playing cards listed above. Plus, earn 5% on journey bought by Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply providers) and three% on drugstore purchases. Earn 1% on all different purchases.

Annual Charge: $0.

Learn the complete card evaluate.

Official software hyperlink: Chase Freedom Flex.

Chase Freedom Limitless

Welcome bonus: Earn an extra 1.5% money again on every part you purchase (on as much as $20,000 spent within the first yr) – price as much as $300 money again.

Advantages: The cardboard earns 1.5% money again (1.5 Final Rewards factors) on purchases. These earnings will be transformed to priceless Final Rewards factors when you’ve got one of many high three playing cards listed above. Plus, earn 5% on journey bought by Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply providers) and three% on drugstore purchases. Earn 1% on all different purchases. The cardboard additionally provides 120-day buy safety and prolonged guarantee safety.

Annual Charge: $0.

Learn the complete card evaluate.

Official software hyperlink: Chase Freedom Limitless.

FAQ

Is it price it to make use of Chase Final Rewards?

It may undoubtedly be price it to make use of Chase Final Rewards for journey, particularly whenever you’re in a position to save cash. Usually, the perfect use of Final Rewards is for journey, together with premium cabin flights and luxurious accommodations. No matter how you employ your factors, it is a good suggestion to intention for two cents in worth per level.

How do I redeem my Chase Final Rewards factors?

How do you get probably the most worth from Chase Final Rewards?

You’ll typically get probably the most worth from Chase Final Rewards by transferring your factors to one in all 14 switch companions for luxurious journey. With the suitable companions, this could result in 2 cents (or extra) in worth.

Is there a profit to reserving by Chase Final Rewards?

There are numerous advantages to reserving by Chase Final Rewards. For those who’re paying for journey, you may earn elevated rewards by most Chase bank cards. For those who’re making level bookings by Chase Final Rewards, you’ve gotten the pliability to remain at accommodations that do not take part in a loyalty program. You can also enter your frequent flyer quantity on flight bookings and earn redeemable and elite-qualifying miles in your flights.

What’s one of the best ways to make use of Chase Final Rewards?

The easiest way to make use of Chase Final Rewards is for candy spot award redemption by switch companions.

Is it higher to redeem factors for money or journey?

It is higher to redeem Final Rewards factors for journey somewhat than money. Relying on the kind of Chase card you’ve gotten, you may usually get a a lot greater charge of return by redeeming factors for journey.

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