Earning 100,000 Chase Ultimate Rewards® points can sound like a daunting task, but scoring a large stash of points through a welcome offer can help you get there faster. For example, new applicants for the Chase Sapphire Reserve® can earn the following sign-up bonus: Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
What can you do with 100,000 Ultimate Rewards® points? Some people prefer quantity over quality, opting for budget-friendly digs and economy seats. With lower costs, it becomes easier to take either more trips or longer ones. Others might prefer to splash out on aspirational redemptions, such as a business class flight or luxurious five-star hotel stays.
🤓 Nerdy Tip
Chase Ultimate Rewards® are a transferable currency. With the Chase Sapphire Reserve®, you can move your points at a 1:1 ratio to one of Chase’s airline or hotel partners. Transferring points can help you get the most value out of your Chase points. By taking advantage of Chase’s transfer partners, you can often get outsized value for your points compared to other redemption options.
To calculate the value of your redemption, use this formula: [ Total price in cash - Taxes and fees for the award, if applicable ] / [ Points cost for the award ]
Full list of Chase transfer partners
Airlines
- Aer Lingus (1:1 ratio).
- Air Canada (1:1 ratio).
- Air France-KLM (1:1 ratio).
- British Airways (1:1 ratio).
- Iberia (1:1 ratio).
- JetBlue (1:1 ratio).
- Singapore (1:1 ratio).
- Southwest (1:1 ratio).
- United (1:1 ratio).
- Virgin Atlantic (1:1 ratio).
Hotels
- Hyatt (1:1 or 4:3 ratio; varies by card).
- IHG (1:1 ratio).
- Marriott (1:1 ratio).
- Wyndham (1:1 ratio).
While the Chase Sapphire Reserve® comes with airport lounge access and other travel perks, not everyone may want to pay the premium annual fee. Another alternative is the Chase Sapphire Preferred® Card, which currently has this welcome offer: Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Regardless of how you travel, here are 11 ways to spend up to 100,000 Chase Ultimate Rewards® points on your next vacation.
On this page
- How to maximize your rewards
- 1. Fly to London in business class round trip from the West Coast
- 2. Enjoy a one-way first class flight to Europe
- 3. Book economy flights for two and visit Paris, Amsterdam and another European city
- 4. Book one-way first class flights from the U.S. to Tokyo
- 5. Fly business class to Tokyo
- 6. Stay four nights in Honolulu (or book two rooms for two nights)
- 7. Splurge on up to four nights at a tropical all-inclusive resort
- 8. Take a luxurious weekend solo trip to Madrid
- 9. Immerse yourself in nature at a five-star hotel in Big Sur
- 10. Bring your family of four to London in premium economy
- 11. Fly EVA Air’s business class to Taipei
1. Fly to London in business class round trip from the West Coast
How to book: For 82,000 points transferred to Virgin Atlantic Flying Club and about $1,700 in taxes and fees, you can book round-trip flights from the West Coast (think San Francisco, Seattle and Los Angeles) to London on Virgin Atlantic’s Upper Class, while leaving some extra points for a hotel booking in London. The business class experience includes access to the British airline’s popular Clubhouse lounges at select airports, including the Virgin Atlantic Clubhouse at Los Angeles International Airport. East Coast flyers can book these flights for as little as 58,000 points round-trip. To cut down your costs even further, wait for a credit card transfer bonus to Virgin Atlantic first.
Redemption value: These round-trip flights in business class from the West Coast can cost thousands of dollars. While flight prices will vary, we found a sample booking priced at $6,310, a value of more than 5 cents per point.
2. Enjoy a one-way first class flight to Europe
How to book: International first class flights, a step above business class, offer a surreal experience in the sky that’s the best of the best. Multiple airlines have first class flights from the U.S. to Europe that are bookable with Chase points. Keep in mind that these flights are expensive, whether paying with points or cash, so you’ll only be able to get a one-way flight even with a huge chunk of Chase points. They're also very competitive, so it can help to use an award search tool like Seats.aero to find availability.
Lufthansa
You can book Lufthansa first class by transferring Chase points to Air Canada’s Aeroplan program. Expect to pay 90,000 points for flights to or from the East Coast. Following a June 2026 update to the Aeroplan award chart, West Coast flights now cost you 120,000 Aeroplan miles each way, which puts it out of reach. If you can, try to start your itinerary from or connect through Frankfurt, where Lufthansa has an entire terminal dedicated to first class passengers and a ground transfer service to bring you from the terminal to your plane.
Singapore Airlines
You can fly from New York to Frankfurt, Germany, in Singapore Airlines’ first class by transferring 106,500 Chase points to the airline’s KrisFlyer program. If you can, start your journey from New York rather than Frankfurt, where you’ll have access to the Virgin Atlantic Clubhouse at John F. Kennedy International Airport. While that's slightly more than the 100,000 Chase points, don't forget you'll also earn points from your everyday spending to meet the welcome offer requirements.
Redemption value: You can get eye-popping value for first class flight redemptions, but it’s best to take this number with a grain of salt as cash prices for one-way international flights are often more expensive than round trips. For example, a one-way first class flight from Frankfurt to Boston can cost more than $11,000, so using points can save you a lot of money.
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3. Book economy flights for two and visit Paris, Amsterdam and another European city
How to book: For 100,000 Chase points transferred to Air France-KLM’s Flying Blue program, you and a travel partner can visit three European cities for the price of one. That’s because Flying Blue offers a free stopover program, allowing you to turn a layover in Paris or Amsterdam into a multiday stay. For example, let’s say you want to visit Rome. Instead of searching for a direct flight there, consider taking Air France to Rome with a stopover in Paris and flying with KLM back to the U.S. with a stopover in Amsterdam. To book award redemptions with a stopover, you’ll need to call Flying Blue.
Redemption value: Adding in the stopovers complicates the redemption value calculation. However, round-trip flights to Europe usually cost $500 per person on the lower end, and that’s not including the value of the stopover. Flying Blue award tickets also come with benefits like free seat selection as early as time of booking on transatlantic flights.
» Learn more: How to make the most of economy class in Air France
4. Book one-way first class flights from the U.S. to Tokyo
How to book: You can fly in All Nippon Airways’ first class cabin from the U.S. to Tokyo for as little as 57,500 Chase points transferred to Virgin Atlantic Flying Club. That low price applies for flights to and from Honolulu. Expect to pay 72,500 points for flights from the West Coast and 85,000 points for flights further east. Look for flights that have ANA’s newest first class product, The Suite. However, Japan is a popular tourist destination, so beware that availability can be extremely difficult to find.
Redemption value: One-way cash prices for ANA’s flight from New York to Tokyo can exceed $20,000. The cheapest price for this flight tends to hover around $15,000, making this an attractive — and very competitive — redemption. (Again, take this number with a grain of salt.)
5. Fly business class to Tokyo
How to book: If you can find award availability, you can book round-trip business class flights from the West Coast to Tokyo on ANA by transferring 105,000 Chase points to Virgin Atlantic Flying Club (that's slightly over 100,000 points, but a well-timed transfer bonus could get you there). East Coast flyers will need to pay 120,000 points round-trip. Look for flights equipped with ANA’s latest business class seat, The Room.
Redemption value: A look at prices for round-trip flights between New York and Tokyo showed fares of around $6,000 for ANA business class. If you booked those using points, you’d get great value (although these are often just as difficult to book as first class).
6. Stay four nights in Honolulu (or book two rooms for two nights)
How to book: If you don’t need five-star accommodations, you can book at least four nights at the Hyatt Place Waikiki Beach in Honolulu by transferring 100,000 Chase points to the World of Hyatt program, assuming you have the Chase Sapphire Reserve® (more on that later). Alternatively, you could book at least two rooms for two nights if you’re traveling with a larger group. Keep in mind that you can only book one room with points online at a time; otherwise, reach out to Hyatt customer service to make the booking. The best part about this Hyatt Place? Breakfast is free, and because you’re booking with Hyatt points, you don’t have to pay the $42 daily destination fee.
The number of nights you can actually book will vary depending on what pricing tier is in effect. In May 2026, Hyatt introduced a new award chart, and pricing for a Category 4 hotel like this one ranges from 12,000 to 25,000 points a night. We used the 25,000-point rate in our calculations, but if you find it at a lower rate, you could book even more nights.
One thing to note about Chase-to-Hyatt transfers: If you have the Chase Sapphire Preferred® Card, your points transfer at a 4:3 ratio, so you get 3 Hyatt points for every 4 Chase points you transfer. That means you would only be able to book at least three nights at this property using your transferred Chase points.
Redemption value: If you were to book six nights over July Fourth, that would cost you about $1,847, giving you a redemption value of approximately 1.2 cents per point. That’s not the most lucrative Hyatt redemption we’ve seen (you may want to pay in cash instead), but think of all the extra activities you can do on Oahu with all the money that you saved by booking with points.
7. Splurge on up to four nights at a tropical all-inclusive resort
How to book: If you’re looking to be pampered, you can book up to four nights at an all-inclusive resort in the Caribbean or Latin America by transferring 100,000 Chase points to World of Hyatt. With the new award chart, pricing for Hyatt’s Category D all-inclusive properties ranges from 25,000 to 55,000 points a night. For example, you could snag a room with a king bed and an ocean view at the Hyatt Ziva Puerto Vallarta in Mexico. (Again, these numbers apply for Chase Sapphire Reserve® cardholders, who get 1:1 transfers to Hyatt.)
Redemption value: A sample search for six nights came out to $3,078. That comes out to a redemption value of more than 2 cents per point, which is above NerdWallet’s valuation of 1.8 cents per Hyatt point. However, sometimes cash prices can be cheaper, so you may want to run the numbers to determine whether it’s better to pay in cash or points.
8. Take a luxurious weekend solo trip to Madrid
How to book: If you’re looking for a flights-and-hotel package, consider jetting off to Madrid for the weekend. For East Coast flyers, start your trip off in luxury with lie-flat seats in Iberia business class by transferring 81,000 Chase points to the Club Iberia Plus program. It can be tough to snag award availability, so you may need to book your flights nearly a year out from off-peak dates to get the cheapest pricing. Transfer your remaining points to World of Hyatt to book one night at the centrally located Hyatt Regency Hesperia Madrid, which has its own two-Michelin-starred restaurant. With the new award chart, this property costs between 15,000 and 35,000 points a night, so you'll want to find nights with the lowest rates.
Redemption value: Depending on your origin and dates, business class flights for a weekend trip currently range from nearly $4,000 to $7,000. Even on the cheapest dates, you’re looking at an excellent redemption value. For a night in September, a stay at the Hyatt Regency can cost more than $400. Make sure to check the points cost for your dates to see if it’s a good deal. At 15,000 points a night, that’s a great deal. At 35,000 points a night? Not so much.
9. Immerse yourself in nature at a five-star hotel in Big Sur
How to book: Indulge yourself at the luxurious Alila Ventana Big Sur in California. This is a Category 8 property in the World of Hyatt program — the highest and most expensive hotel level. That also means if you’re not interested in the California coast, you can stay for two nights at any of Hyatt’s most luxurious hotels, including Hawaii’s Grand Hyatt Kauai Resort & Spa. That's assuming you can find pricing at the bottom of the range, with each night costing between 35,000 and 75,000 Hyatt points. Those who have the Chase Sapphire Preferred® Card will pay slightly more, but it's still within range of 100,000 Chase points.
Redemption value: The nightly rate at the Alila Ventana Big Sur can be upward of $2,000 a night. Assuming you can find availability (and it will likely be priced toward the top of the points range), you’re looking at a great redemption value.
How to book: Traveling with a big family on points can be expensive, but it doesn’t mean you’re relegated to only ever flying economy. In fact, you can take your family of four from New York to London and back in Virgin Atlantic’s premium economy cabin by transferring 84,000 Chase points to Virgin Atlantic Flying Club. However, you’ll be on the hook for taxes and fees, which will come out to more than $3,600.
Redemption value: Depending on when you fly, premium economy tickets for four people on that route can set you back more than $8,000. After factoring in taxes and fees, that leaves you with a fantastic redemption value of more than 5 cents per point.
11. Fly EVA Air’s business class to Taipei
How to book: You can fly one-way to Taipei, Taiwan, from the West Coast on EVA Air’s business class by transferring 85,000 Chase points to the Air Canada Aeroplan program. You can also fly elsewhere in Asia — such as business class from San Francisco to Singapore, with a layover in Taipei — although it will cost you 102,500 points. If you find nonstop award availability from New York to Taipei, that’ll also cost the higher rate.
Redemption value: A one-way business class flight on EVA Air between San Francisco and Taipei can cost around $3,500. That’ll net you an attractive redemption value if you can find availability for your travel date.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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