Chase Final Rewards: Switch & maximize – The Factors Man

In the event you redeem your factors for money again or assertion credit, every level is often value 1 cent. Nevertheless, for those who use your factors to guide journey by way of the Chase Final Rewards portal or switch them to a journey companion, you may typically get a better worth per level.

You should use your Chase factors for nearly any form of journey reserving: Flights, motels, cruises, excursions and rental automobiles. If in case you have a Chase Sapphire Most popular, your factors are value 1.25 cents every, whereas Chase Sapphire Reserve cardholders get a better valuation of 1.5 cents per level. This is a wonderful redemption choice for people who do not need to cope with sophisticated award program guidelines. It is easy and handy.

If you wish to actually maximize your Final Rewards factors, the best choice is commonly to switch them to one in every of 14 airline or lodge companions. From there, you should utilize them for premium journey bookings like first-class flights and luxurious motels. It is a good suggestion to check your choices to find out the very best worth on your factors.

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

Chase additionally companions with three lodge applications:

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

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

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

E-book journey by way of Chase portal

You’ll be able to guide journey by way of the Chase Journey Portal and redeem factors on your airplane 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 value 1.25 cents. If in case you have the Chase Sapphire Reserve, your factors are value 1.5 cents every towards journey redemptions within the portal. If in case you have a Chase Freedom Flex, Ink Enterprise Limitless Credit score Card, Ink Enterprise Money Credit score Card or Chase Freedom Limitless, all factors are value one cent every.

To offer 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 fee involves $269 with taxes and costs. 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.

If in case you have a number of playing cards that earn Final Rewards factors, you may mix your factors into the account that will get the best worth for Final Rewards bookings. For instance, your entire factors earned with the Chase Freedom Flex may be moved to your Sapphire Reserve account, thus rising their worth from 1 to 1.5 cents apiece.

It’s in all probability value stepping 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 essential provided that Chase has already made it tougher to mix factors with a family member.

E-book cheap flights with factors

If you could find cheap airfare within the Final Rewards journey portal, it could make sense to make use of your factors for these flights to save lots of 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 primary economic system tickets, except you might be okay with the restrictions they entail.

Within the beneath 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 take into account the journey portal choice for those who solely have a handful of Final Rewards factors left, since Chase enables you to redeem factors to cowl even only a portion of the journey value. You then pay the remaining steadiness with money.

Lastly, this can be a respectable choice for automobile leases, non-chain lodging or when money charges make spending factors by way of switch companions a foul worth. The lodge choices offered are fairly assorted, although remember that for those who guide a lodge that participates in a serious loyalty program by way of Chase Journey, you possible will not earn lodge factors, nor will you be capable of benefit from any elite perks.

Money again or present playing cards

Theoretically, you may redeem factors for a press release credit score financial institution deposit at a flat fee of 1 cent every.

Nevertheless, with Chase Pay Your self Again, you may redeem factors for money again at a fee of 1.25-1.5 cents every, relying on the cardboard you have got. This redemption fee is legitimate on assertion credit towards rotating buy classes, equivalent to eating.

You may as well redeem factors for present playing cards at a fee 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 prefer to journey. Nevertheless, 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 here 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 may be good or dangerous information, relying in your scenario. Fortunately, awards on companions nonetheless observe unpublished award charts with set redemption ranges, and United doesn’t move alongside gasoline surcharges.

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

If you’re reserving a visit that transits totally different areas (like North America to Europe), you can even construct in a free flight phase (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 benefit of redeeming MileagePlus miles makes United MileagePlus a preferred alternative amongst savvy Chase cardholders.

Associated: The way to 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 use your Chase factors to guide a “paid” Southwest flight by calling Chase Journey and reserving over the cellphone, because the flights aren’t listed on the Chase Journey web site.

Nevertheless, there are a few eventualities the place transferring factors to a pleasant service with no change or baggage charges is sensible. First, for cheap fares of $100 or much less, Fast Reward factors may be value as a lot as 1.7 cents per level, which beats the worth you get when reserving by way of the portal. Second, you probably have a Southwest Airways Companion Go and are actually getting two flights for the worth of 1 award, then your factors grow to be value 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 fee drops after reserving.

Associated: Reserving Southwest flights with Chase factors

Singapore Airways KrisFlyer

Singapore Airways has a number of 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 super service and opulent onboard merchandise and experiences. And the service’s personal premium-class merchandise are usually solely accessible by way of the KrisFlyer program, not with its Star Alliance companions.

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

Lastly, the web award reserving device is intuitive and straightforward to make use of — although remember that transfers usually aren’t instantaneous.

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

19,500 miles every means 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 value simply 85,000 miles every means. That value has since elevated to 93,500 miles. Saver availability is tough to come back by, however for those who actually need to do this coveted product, you may guide an Benefit award for 155,000 miles every means.

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 means. The award has since elevated to 107,000 miles however may be value it for a whopping 17-hour flight.

Iberia Plus

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

With out promos, transatlantic enterprise class is priced based mostly on a distanced-based award components. 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, for example. There may be lower than $100 in surcharges, relying on the category of service you guide:

Costs get much more engaging, nonetheless, for shorter routes (based mostly 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 means:

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 components, you may redeem miles to fly Delta home itineraries right here within the U.S. beginning at 7,500 miles per phase, doubtlessly saving you 1000’s of miles in comparison with what Delta is asking for a similar flight (although it’s value noting that these rewards aren’t as invaluable as they was).

Delta One flights to Europe (excluding the U.Ok.) are a flat 50,000 miles for nonstop itineraries — although availability tends to be very scant. As an alternative, take into account 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: The way to save 1000’s of miles on Delta One awards to Europe

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

Associated: Companion award flights on ANA simply bought even higher: One-way redemptions now attainable

Virgin Atlantic additionally gives 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 totally different choices to yield vital worth out of your Final Rewards — even after the Delta devaluation from 2021.

British Airways Government Membership

In the event you want a short-haul, nonstop flight on a Oneworld companion, British Airways Avios can reward you with super financial savings. Brief-haul flights outdoors of North America which might be lower than 650 miles in size will value you solely 4,500 Avios. That is nice for exploring Europe on companion Iberia, for example.

In North America, short-haul flights begin at 9,000 Avios for American Airways-operated itineraries and can provide you vital mileage financial savings over reserving the identical flight by way of American AAdvantage. Atlanta to Dallas prices solely 9,000 Avios on a day when American could 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 service adopted Avios as its personal loyalty forex final yr, giving one more nice choice for transferring your Chase factors for a invaluable award ticket.

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

Associated: The last 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. Typically talking, Hyatt factors are value greater than Marriott Bonvoy and IHG factors, so Hyatt is commonly your finest lodge switch companion inside Chase Final Rewards.

World of Hyatt additionally gives an especially cheap award chart totally free 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 very best of any lodge loyalty program.

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

In the event you’re normal award nights, this system has worth throughout the spectrum of properties. Class 1-5 properties, particularly, can supply some incredible 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 a superb 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 progress in Hyatt’s international footprint, due to the next new partnerships and integrations:

• Small Luxurious Accommodations 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 completed but, because it simply introduced plans to accumulate one other 1,500 luxurious properties below the Mr. and Mrs. Smith model — with the deal anticipated to shut in June 2023.

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

If you wish to use your Chase Final Rewards factors and defend your money, you may 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 youngsters 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 aren’t any “dangerous” redemptions in case your factors mean you can go the place you need to go whereas holding your money safely tucked in your pockets. Nevertheless, some methods of utilizing Chase factors aren’t as mathematically rewarding as others.

The next Chase switch companions would require a novel circumstance for us to switch Final Rewards, equivalent 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 applications as an alternative of transferring Final Rewards.

Here’s a fast synopsis of every:

Air France-KLM Flying Blue

You’ll be able to actually 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 costs again in 2019. Nevertheless, it’s usually simply too variable.

In the event you did want Flying Blue miles — maybe to benefit from this system’s month-to-month, discounted Promo Rewards or discounted awards for youngsters — it is best to in all probability switch American Specific factors. Ensure that to keep away from falling sufferer to phantom award house. The Flying Blue web site typically exhibits award house that is not truly accessible. To keep away from this, name and make sure 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 mounted fee of 1.3 to 1.4 cents per level. With that redemption fee, there are simply too many different invaluable 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 way of the Final Rewards journey portal and get a assured 1.5 cents per level you probably have 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 increased pricing. It merely prices an excessive amount of to guide award nights on this program utilizing Final Rewards factors. We usually consider that every 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 with regards to transferring your Chase factors.

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

Marriott Bonvoy

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

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

Finest playing cards for incomes Chase Final Rewards

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

Nevertheless, you probably have an Final Reward-earning card, you may convert your Chase cash-back rewards to full Final Rewards factors. Because of this, it could make sense to have multiple Chase card within the household to maximise your incomes and redeeming potential. For full particulars on how this may work, take a look at TPG’s information to transferring Chase factors between accounts.

With that out of the best way, listed below are the seven playing cards that mean you can 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 incredible all-around journey bank card. It earns:

• 5 factors per greenback on Lyft (by way of March 2025).
• 5 factors per greenback on all journey bought by way of Chase Final Rewards.
• 3 factors per greenback on eating, together with eligible supply companies, takeout and eating out.
• 3 factors per greenback on choose streaming companies.
• 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 international transaction charges and comes with many journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automobile rental insurance coverage (learn how that may prevent from a shock last-minute $1,000 lodge invoice.) To high all of it off, Chase usually gives glorious customer support and reaching an agent is simple if you name the quantity on the again of the cardboard.

Annual Payment: $95.

Learn the complete card assessment.

Official utility 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 charge. It now accrues:

• 10 factors per greenback on Lyft (by way of March 2025).
• 10 factors per greenback on Chase Eating booked by way of Final Rewards.
• 10 factors per greenback on lodge and automobile rental purchases by way of the Final Rewards Journey portal.
• 5 factors per greenback on airline journey booked by way of the Final Rewards Journey portal.
• 3 factors per greenback on journey not booked by way of 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 charge credit score for World Entry or TSA PreCheck (as much as $100 as soon as each 4 years), and Precedence Go Choose lounge entry. This consists of the power to make use of your Precedence Go membership for discounted meals in airport eating places. Cardholders additionally get major automobile rental protection, journey interruption/cancellation insurance coverage and different protections.

Annual charge: $550.

Learn the complete card assessment.

Official utility 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, delivery purchases, web, cable and cellphone companies, 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 may be transferred to a number of airline and lodge companions.

Annual Payment: $95

Learn the complete card assessment.

Official utility hyperlink: Ink Enterprise Most popular.

Now we get to the “cash-back” playing cards the place you may mix your factors with these from one of many three we’ve already detailed in order that they grow to be 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 you probably have 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 companies every account anniversary yr (then 1%). Earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary yr (then 1%). You’ll be able to convert these earnings to Final Rewards factors you probably have one of many three playing cards above.

Annual Payment: $0

Learn the complete card assessment.

Official utility 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 may be transformed to Final Rewards factors you probably have one of many three high playing cards listed above, which implies your small enterprise can primarily earn 1.5 factors per greenback on all prices made with this card.

Annual Payment: $0.

Learn the complete card assessment.

Official utility 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). Widespread previous bonus classes embrace fuel stations, supermarkets, eating places, warehouse shops and shops. You’ll be able to convert these rewards to invaluable Final Rewards factors you probably have one of many high three playing cards listed above. Plus, earn 5% on journey bought by way of Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply companies) and three% on drugstore purchases. Earn 1% on all different purchases.

Annual Payment: $0.

Learn the complete card assessment.

Official utility hyperlink: Chase Freedom Flex.

Chase Freedom Limitless

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

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

Annual Payment: $0.

Learn the complete card assessment.

Official utility hyperlink: Chase Freedom Limitless.

FAQ

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

It could actually undoubtedly be value it to make use of Chase Final Rewards for journey, particularly if you’re in a position to save cash. Typically, the very best use of Final Rewards is for journey, together with premium cabin flights and luxurious motels. No matter how you employ your factors, it is a good suggestion to purpose 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 usually get probably the most worth from Chase Final Rewards by transferring your factors to one in every of 14 switch companions for luxurious journey. With the correct companions, this may result in 2 cents (or extra) in worth.

Is there a profit to reserving by way of Chase Final Rewards?

There are various advantages to reserving by way of Chase Final Rewards. In the event you’re paying for journey, you may earn elevated rewards by way of most Chase bank cards. In the event you’re making level bookings by way of Chase Final Rewards, you have got the flexibleness to remain at motels 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?

One of the best ways to make use of Chase Final Rewards is for candy spot award redemption by way of switch companions.

Is it higher to redeem factors for money or journey?

It is higher to redeem Final Rewards factors for journey moderately than money. Relying on the kind of Chase card you have got, you may usually get a a lot increased fee of return by redeeming factors for journey.

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