Ultimate Rewards – Get the Most Out of Your Spending

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This is a sponsored post written by me on behalf of Chase Ultimate Rewards for IZEA. All opinions are 100% mine.

We’re always looking to get the most out of our money. With a little bit of planning, you really can get the most of your dollar. Chase Ultimate Rewards is my main tool. Racking up credit card rewards all year help us when it comes time to making bigger purchases, or during the holiday season.

Winter is coming

Chase Ultimate Rewards is a program available to Chase Freedom, Chase Sapphire, and Ink cardholders. When you use these cards, you earn points on your purchases. The points can be redeemed for rewards like travel, experiences, merchandise, gift cards, and even cash back. Using these cards for daily expenses is the best way to rack them up. Before you know it, you have a substantial amount to work with.

Starting at just 2,000 points, cardholders can request $20 cash back via direct deposit, or a credit toward their statement. Merchandise and gift cards are available at the same prices you would pay in the store without any additional markups. For example, a $50 gift card or product would cost you 5,000 points. Redeem points for VIP access to concerts, sporting events, movie premieres, and other fun experiences. If you choose to use your points towards travel, there are no restrictions or blackout dates.

Have an escape plan

Ways to Make Ultimate Rewards Work for You

  • Holiday Travel – If you know that you will be traveling during the holidays, save up your points all year with that in mind. When it comes time to book your trip, your points can shave a portion – or all depending on how often you use your card – off your total.
  • Collect Gift Cards – Redeem your points for gift cards to use for holiday gifts. You cannot go wrong with a gift card when it comes to gift giving. Create a stockpile so you have easy gifts whenever you need them.
  • Entertainment Fund – Sometimes having fun can be painful on the wallet. I have cringed at the amount we have spent on a simple date night. It’s much more enjoyable when you can use points toward an evening out. Chase Ultimate Rewards even has perks that you might not be able to get on your own, like VIP access.
  • Decrease your Bill – Most of the time the points burn a hole in my pocket, and I cannot save them. When I cannot resist redeeming my points, I love to just apply the amount to my next monthly statement. Seeing a credit toward your bill is a beautiful thing. Paying a tad bit less that month is glorious.
  • Treat Yourself – See an item on your wish list, but know you will never splurge on it? Save up your points! That way you can get that new purse, pricey gadget, or silly toy without the guilt.

Ultimate Rewards - Get the Most Out of Your Spending

These days it seems like most people pay with credit cards. I rarely have cash on me, and usually swipe to pay for anything and everything. As long as you are responsible about your spending, pay your credit card bills, and are realistic about your finances, you can reap the rewards from credit card points. Chase Ultimate Rewards add up quickly, are easy to use, and fun to redeem.

How do you get the most out of your Ultimate Rewards? 


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  1. Robin (Masshole Mommy) says:

    Cash back is a beautiful thing! It’s nice to get rewarded for things you’re going to buy anyways.

  2. Wendy @ ABCs and Garden Peas says:

    The rewards can be so great! Applying it right back to the balance is probably the best idea, but sometimes it’s fun to spend on other things.

  3. I can’t wait to get a card with rewards again. Right now we are credit card free, but I need a travel rewards one so that we can get traveling again.

  4. Sabrina @ Dinner, then Dessert says:

    I’d be so excited to have some extra cash! I’ve got my eye on a special trip!

  5. Sounds great to me. Since we moved at the end of August we’d had plenty of extra cash, but I could really use some more. I love the idea of rewards and rewards spending!

  6. Kelly Hutchinson says:

    My current card does not offer rewards, so we are phasing it out. I need a good cash rewards program.

  7. Brett Martin says:

    I need a good cash reward program for my business expenses. This sounds like a great option for me.

  8. Aimee Smith says:

    I have been looking into this card. I really feel like it is a great option.

  9. What an awesome way to get rewards for things you pay for anyway. It’s cool that they have so many redemption options.

  10. Janis @MommyBlogExpert says:

    Thanks for this post. I need to look into a great cash rewards program like this both for business and personal expenses since I spend a huge amount monthly.

  11. Thisis awesome! Thanks for sharing, I love rewards!

  12. oh yeah rewards are always welcome. especially when you were gonna buy it anyway. major bonus.

  13. I’m always collecting gift cards! I have several in my desk drawer right now with random amounts lol!

  14. Ourfamilyworld says:

    Rewards programs are the best. It’s always nice to get rewarded for the things I usually buy.

  15. Sabrina @ Dinner, then Dessert says:

    I always cash out my rewards – I can find much better deals elsewhere anyway!

  16. Amy Desrosiers says:

    I love getting rewarded by buying things with my credit card. We use our’s to buy stuff then pay it off as soon as possible.

  17. Jodi @ A Mom Having Fun says:

    Bite your tongue…Winter better not be here for a long time yet. Although I’m in Illinois just like you, I’m not that naive. 🙁 I bank with Chase – I wonder why I don’t have this rewards program. I was with one they had a long time ago, but I didn’t know they had gotten a new one. I will check into it!

    1. Haha!!! Sorry Jodi! We are owed a long, nice fall since summer was kind of a bummer. You have to get the Chase credit card. You don’t even have to bank there for it!

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