Bank points program
Chase Ultimate Rewards cards
We track 9 cards earning Chase Ultimate Rewards points, from the no-nonsense Chase Freedom Unlimited at no annual fee up to the Chase Sapphire Reserve at $795. Same published facts for each one: what it costs, what changed, and who it doesn't suit.
Personal cards
- Chase Freedom UnlimitedNo fee
Chase · full profile
- Chase Freedom FlexNo fee
Chase
- Chase Sapphire Preferred$95/yr
Chase · full profile
- Chase Sapphire Reserve$795/yr
Chase · full profile
Business cards
- Ink Business CashNo fee
Chase
- No fee
- $95/yr
- Ink Business Premier$195/yr
Chase
- $795/yr
What changed recently
- Chase Sapphire ReserveAugust 14, 2026
Repriced into the same premium tier as its competitors
The premium tier now assumes near-perfect credit usage. If you redeem for cash rather than transfers, the fee is very hard to justify.
- Chase Sapphire PreferredAugust 10, 2026
Welcome offer moved to 75,000 points with a matching minimum spend
Solid, not historic. Apply only if the minimum spend fits your normal budget and this is genuinely the best application you could make this quarter.
- Chase Sapphire ReserveAugust 5, 2026
Award pricing moved upward across several transfer partners
Repricing only travels one direction. Earn toward a named booking instead of stockpiling a balance against last year's prices.
What's the answer?
The usual mistake inside one program isn't picking the wrong card — it's holding two that earn the same currency and pay twice for the same perk.
