How to Use 100K Chase Ultimate Rewards

100,000 Chase Ultimate Rewards are a lot of points, but surprisingly easy to obtain. Right now, you can basically earn 100,000 Ultimate Rewards with just one welcome offer from the Chase Ink Business Cash, Chase Ink Business Unlimited, or the Chase Ink Business Preferred. With many of us on the receiving end of these increased welcome offers, I figured I would share some ideas on how to use 100K Chase Ultimate Rewards.

For each scenario, I included what you could do if your spouse or significant other also opened a Chase Ink Business Preferred, Chase Ink Business Cash, or Chase Ink Business Unlimited and you had another 100,000 points or so to play with. In all of these scenarios, the key is taking advantage of Chase's wealth of transfer partners, like Hyatt, British Airways, and others.

Earning 100K Ultimate Rewards – 3 Different Options Now

For the next few days, you have 3 different ways to quickly rack up 100,000 Ultimate Rewards. Currently, the Ink Cash and Ink Unlimited have an awesome welcome offer of 90,000 Ultimate Rewards after spending $6,000. This offer for both cards is slated to end on January 18, at 9am EST. Also, the Ink Preferred has a current welcome offer of 100,000 Ultimate Rewards with a reduced minimum spend of only $8,000.

• If you go with the Ink Cash, you could end up with a whopping 120,000 points if you met the entire $6,000 minimum spend at office supply stores, where you would earn 5x.
• With the Ink Unlimited, you would end up with 99,000 points, since the card earns 1.5x on every purchase ($6,000 would earn you 9,000 URs, plus the 90,000 welcome offer).
• The Ink Preferred will net you at least 108,000 points (100,000 points from the welcome offer and at least 8,000 points from the minimum spend).

Four Nights at a Category 6 Hyatt

In the World of Hyatt program (a Chase transfer partner), category 6 properties charge 25,000 points per night for a standard room during standard nights. Off-peak nights go for 21,000 points. With 100,000 URs, you can spend 4 nights at a category 6 property.

Hyatt has 8 categories of hotels. So when it comes to category 6 properties, we're not talking about airport hotels. In fact, one of the best stays I've ever had was a 5-star hotel in Madrid, which is a category 5.

And of course, you can spend even more nights at a Hyatt property in a lower category.

Player 2 Mode: Upgrade yourself to a suite! Standard suites at category 6 properties go for 40,000 points per night (36,000 at off-peak, and 44,000 peak). 200,000 URs is enough for 5 nights in a standard suite at a category 6 Hyatt. If you don't want a suite, you can of course spend twice as many nights at a category 6 hotel instead.

Three Nights at a Category D Hyatt All-Inclusive Resort

If you're into all-inclusive options, we have you covered. Hyatt has a separate award chart for all-inclusive properties. Category D properties require 30,000 points per night for standard nights, while off-peak is 25,000 points and peak pricing is 35,000 points.

You could also score 4 nights at a category C all-inclusive. These go for 21,000, 25,000, and 29,000 points per night for off-peak, standard, and peak pricing. We can still get great value out of Hyatt all-inclusives even though Hyatt recently increased the prices for a lot of these properties.

Player 2 Mode: Use P2‘s points to cover flights down to your all-inclusive destination. Check out the section about short-haul flights on American and Alaska below for some suggestions. Or you can again spend twice as many nights in the sun by doubling down on your vacation.

Weekend Trip to Disneyworld / Universal for Up To Three People

Ever wondered how to use 100K Chase Ultimate Rewards for a trip to Disney? 100,000 points can be enough to cover flights AND hotel for a quick trip to Orlando for a family of 3. I picked a random city in the middle of the country (Kansas City) and within a few minutes found saver availability on United to Orlando for a weekend this year. 60,000 UA miles + $22.40 round-trip for two people. But we can do better. Aeroplan (another Chase transfer partner) charges only 25,000 + $54.20 CAD for the exact same flight per person. So for 75,000 miles + $162.60 CAD, you can fly three people round-trip to Orlando.

After spending 75,000 Ultimate Rewards on flights, we have 25,000 points left to use. For hotels, I again looked on Hyatt's website and found the Hyatt Place Lake Buena Vista. This is one of the closest Hyatt options to the Disney parks and they offer a free shuttle. If you're more interested in Universal Studios, there's the Hyatt Place across from Universal. This Hyatt Place is walking distance to Universal (but they also offer a free shuttle).

Both of these properties are category 2. They go for 8,000 points per night at standard rates, 6,500 points off-peak, and 9,500 points peak. At standard or off-peak pricing, we still have enough URs to cover a three-night stay at either of these hotels.

While I used Kansas City as a departure airport for this example, this of course can be replicated from elsewhere throughout the country. And the same goes for the destination. You can take this same approach for visiting different cities all over the US!

Player 2 Mode:

With another 100,000 points, you could turn this into a full family trip! Bring the grandparents or other relatives along and grab a second room. Or you can just redeem some of those additional points for some nice Hyatt resorts in the area, like the Hyatt Regency Grand Cypress (check out our review of the resort here!).

How to Use 100K Chase Ultimate Rewards: Round-Trip to Europe on Air France/KLM

Air France and KLM have tons of routes out of the US and Canada. Through their joint Flying Blue loyalty program, you can book business class seats for just 50,000 miles each way, plus taxes/fees. And of course, Flying Blue is also a Chase transfer partner. Flights in economy and premium economy are even cheaper, meaning you can bring the whole family instead.

Award prices are pretty much the same regardless of where in Europe you're going. So feel free to add a connection when you find availability into Paris or Amsterdam. And don't forget you can book stopovers for free with Flying Blue! Lastly, if you happen to catch a Flying Blue promo reward, you'll get to fly for even fewer points!

Player 2 Mode: Help P2 avoid FOMO and have them join you on the trip by booking their own round-trip flight on Air France or KLM.

Lots of Short-Haul Flights on American Airlines or Alaska Airlines

9 flights to be exact. British Airways is a oneworld partner of American Airlines, meaning you can redeem British Airways Avios for flights on American and Alaska. This is my favorite way to use URs to fly on American or Alaska, since neither of them is a Chase transfer partner. British Airways charges just 11,000 miles for a one-way flight of up to 1,150 miles on American or Alaska. This means 100,000 URs, you can take 9 one-way flights on American or Alaska!

This is a great option that can get you half-way across the country and even down to the Caribbean! Here are a few examples that fall within 1,150 miles:

• Boston (BOS) – Chicago (ORD)
• Charlotte (CLT) – Bermuda (BDA)
• Chicago (ORD) – New Orleans (MSY)
• Dallas-Fort Worth (DFW) – Cabo San Lucas (SJD)
• Miami (MIA) – Dallas-Fort Worth (DFW)

Miami in particular offers tons of non-stop options, including:

• Aruba (AUA)
• Belize City (BZE)
• Cancun (CUN)
• Grand Cayman (GCM)
• Montego Bay, Jamaica (MBJ)
• Punta Cana (PUJ)
• San Juan, Puerto Rico (SJU)

Even Charlotte has some non-stop flights to the Caribbean for only 11,000 points, including:

• Cancun (CUN)
• Grand Cayman (GCM)
• Nassau (NAS)
• Providenciales (PLS)

Two-Player Bonus: A Long Weekend in Europe for Two in Business Class

Redeeming Flying Blue miles to Europe is great, but when it comes to the cheapest business class flights across the pond, Iberia takes the cake. For flights between 3,000 and 4,000 miles, Iberia charges only 34,000 miles one-way in business class during off-peak! This covers Iberia destinations in the US like Boston, New York, and Washington, DC. Flying out of other cities like Chicago or even the west coast isn't a bad deal either. Iberia's destination of off-peak is quite generous and you can check their calendar for peak/off-peak dates here.

If you and P2 were to book round-trip business class flights for 68,000 points each, you'd still have 64,000 URs remaining for a hotel stay. Again, Hyatt is your best bet here. 64,000 points can get you 4 nights at a category 4, 3 nights at a category 5, or even 2 nights at a category 6 or 7 (all at standard pricing).

How to Use 100K Chase Ultimate Rewards: ToP Thoughts

Earning around 100,000 Chase Ultimate Rewards from a single Chase Ink Business Preferred, Chase Ink Business Cash, or Chase Ink Business Unlimited welcome offer is amazing. The flexibility we get from transferable currencies like Ultimate Rewards allow you to pursue many different booking options for any given trip. These are just some ideas out of many other incredible things we can do with 100,000 points.

How do you plan to use 100K Chase URs? Come share your thoughts in our Facebook Group!