Chase Final Rewards factors are among the many most beneficial currencies you’ll be able to acquire. They’re value 2.05 cents every based mostly on TPG’s June 2026 valuations — however you may get way more (or much less) worth out of your Chase factors relying on the way you redeem them.
Chase factors provide you with a variety of redemption choices, together with a number of the finest airline and resort switch companions, Factors Enhance alternatives by way of the Chase Journey℠ portal, money again and cost for on a regular basis bills.
If you wish to maximize the worth of your Chase factors, hold studying to find how a lot every redemption choice is value.
Chase Sapphire Most popular® Card — For a restricted time, earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening (see charges and charges).
What are Chase Final Rewards factors?
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Final Rewards factors are the forex of a number of Chase-branded bank cards:
The above playing cards are the one ones that enable transfers to airline and resort companion applications. Nonetheless, in the event you pair considered one of them with an eligible cash-back Chase card, you’ll be able to mix your rewards in a single account to transform your cash-back rewards into absolutely transferable Final Rewards factors. Eligible cash-back playing cards embody:
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Should you’re new to the world of rewards bank cards, we usually suggest beginning with Chase merchandise as a result of issuer’s well-documented 5/24 rule: In brief, you normally will not get accepted for any Chase playing cards in the event you’ve utilized for 5 or extra new bank cards throughout all issuers previously 24 months.
Bear in mind this restriction as you construct a technique to maximise your bank card rewards.
How a lot are Chase Final Rewards factors value?
TPG values Chase Final Rewards factors at 2.05 cents every as of June 2026, however your mileage might fluctuate relying on the way you redeem them. There are three fundamental redemption choices:
14 airline and resort loyalty applications
Presumably 2.05 cents every
Flights, resorts, cruises, excursions and rental vehicles
Between 1 and a couple of cents every, relying on the cardboard you maintain and whether or not the redemption is Factors Enhance eligible (examine your card’s information to advantages for extra info)
Money again, reward playing cards and Apple merchandise
Between 0.8 and 1.5 cents every, relying on the redemption choice
Let’s take a more in-depth have a look at every of those choices.
Worth of Chase factors when redeeming with journey companions
Transferring Final Rewards factors to journey companions is commonly probably the most useful method to redeem them.
You possibly can switch Final Rewards factors to 10 airline applications:
Chase additionally companions with 4 resort loyalty applications:
Most switch ratios are 1:1. The one exception is World of Hyatt, which now gives a ratio of both 1:1 or 4:3, relying on the cardboard you’ve got. You possibly can typically get a greater ratio by profiting from a switch bonus.
Word that you need to switch factors in increments of 1,000.
You possibly can usually get 2.05 cents per level or extra out of your Chase factors by transferring them to companions and redeeming them towards award flights or stays. Take a look at our favourite Final Rewards candy spots for concepts to maximise your factors.
Associated: Greatest methods to redeem Chase Final Rewards factors for resort stays
Worth of Chase factors when redeeming by way of Chase Journey
You may as well guide journey by way of Chase Journey and redeem factors for aircraft tickets, resort stays, rental vehicles, cruises or experiences at a set money worth per level. This worth is determined by which card you maintain, while you acquired your factors and whether or not the redemption is Factors Enhance eligible.
The minimal mounted redemption worth that was once obtainable on Chase playing cards has been adjusted for many who opened their accounts after June 23, 2025. Should you’ve held your card since earlier than this date, the factors you earned previous to Oct. 26, 2025, could be redeemed on the earlier charges till Oct. 26, 2027.
Take a look at this desk for extra particulars:
As much as 2 cents per level on choose resorts and flights with choose airways eligible for Factors Enhance
1.5 cents on all different Chase Journey purchases (on factors earned previous to Oct. 26, 2025, and redeemed till Oct. 26, 2027, then 1 cent thereafter)
As much as 2 cents per level on choose resorts and flights with choose airways eligible for Factors Enhance
1 cent on all different Chase Journey purchases
As much as 1.5 cents per level on choose resorts and as much as 1.75 cents on flights with choose airways eligible for Factors Enhance
1.25 cents on all different Chase Journey purchases (on factors earned previous to Oct. 26, 2025, and redeemed till Oct. 26, 2027, then 1 cent thereafter)
As much as 1.5 cents per level on choose resorts and as much as 1.75 cents on flights with choose airways eligible for Factors Enhance
1 cent on all different Chase Journey purchases
Lastly, factors earned with the Chase Freedom Flex®, Chase Freedom Limitless, Ink Enterprise Limitless® Credit score Card or Ink Enterprise Money Credit score Card are value 1 cent per level when used to guide by way of Chase Journey.
That is one other case the place it is sensible to mix your factors within the card account that provides probably the most worth. For instance, all of the factors you earn with the Freedom Flex® could be moved to your Sapphire Reserve account, thus doubtlessly doubling their worth from 1 cent to as much as 2 cents every by way of Factors Enhance.
Worth of Chase factors on non-travel redemptions
There are a number of non-travel methods to spend your Chase Final Rewards factors. You should utilize them like money by way of Amazon and PayPal or redeem them for Apple merchandise and reward playing cards. Sadly, you will get a poor worth of 1 cent or much less per level this fashion.
You possibly can squeeze extra worth out of your Chase factors with Chase Pay Your self Again, which helps you to redeem factors for money again at a charge of 1.25 to 1.5 cents every, relying in your card. This redemption charge is legitimate on assertion credit towards rotating buy classes, akin to grocery shops and choose charities.
Associated: How one can earn extra factors with Store Via Chase
Backside line
One of the best ways to make use of Chase Final Rewards factors is determined by your journey type and targets. Nonetheless, assigning a greenback worth per level will help you identify the right way to profit from your factors.
We usually do not suggest utilizing your Chase factors for money again, reward playing cards or merchandise since you’ll get the poorest worth this fashion. You possibly can stretch your factors a lot additional by transferring them to Chase’s wide selection of airline and resort companions and reserving award candy spots. Should you desire an easier method to redeem, Chase Journey gives a ton of choices, together with some Factors Enhance redemptions that supply strong worth.
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