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There are a variety of ways that you can earn 100,000 Chase Ultimate Rewards® points which can be worth at least $1,000 in travel or cash back. Consider these highest-earning activities first to earn the most Chase Ultimate Rewards for your spending.

100k chase points
Sunset at Moon Palace Cancun. Credit: Johnny Jet

Most Valuable Chase Signup Bonuses to Help Get 100k Chase Points

Credit card signup bonuses are the easiest way to stack Chase points quickly when you can satisfy the introductory spending requirements. Just be sure to time your applications to stay below the Chase 5/24 threshold. Here are some of the best Chase bonus offers.

Chase Sapphire Preferred Card

New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®. Member FDIC

You can fill the points gap by earning up to 5 points per $1 on your regular spending.

Further, the Chase Sapphire Preferred is arguably the best Chase credit card for travel as it offers these valuable benefits with an affordable $95 annual fee:

  • Earn up to 5x Chase points on travel purchases
  • 10% points anniversary bonus (based on your spending for the past year)
  • Up to $50 in hotel credits through Chase Ultimate Rewards
  • 25% travel redemption bonus
  • 1:1 point transfers

Related: Chase Sapphire Preferred Card Review

Ink Business Preferred Credit Card

Business travelers can earn a 100,000 bonus Chase Ultimate Rewards from the Ink Business Preferred® Credit Card after spending $15,000 in the first 3 months. This bonus is worth $1,250 in award travel.

This card earns up to 3x points on select business categories and only has a $95 annual fee. The Ink Preferred is one of the best Chase business credit cards as it has a 25% travel redemption bonus and 1:1 point transfers.

Related: How Hard Is It To Get the Chase Ink Business Preferred?

Book Travel Through Chase Ultimate Rewards

Booking award travel directly through Chase Ultimate Rewards lets you earn 5 Chase points per $1 with most cards. One exception is the Chase Sapphire Reserve® which earns 10x points.

You will earn bonus points on any travel purchase through the Chase booking site, including flights, hotels, car rentals, and experiences. In comparison, competing cards may only offer bonus rewards on hotels and car rentals.

Typically, you will only earn from 1 to 3 points (depending on the card) when booking travel directly through the travel provider or a third-party booking site.

Additionally, Lyft purchases can earn up to 10x points through March 2025 similar to booking trips through Chase. Each card also has different bonus categories. Using the card that earns the most for your spending habits can help you easily earn the most points daily.

The Chase Sapphire Reserve® signup bonus is 60,000 Ultimate Rewards worth $900 in award travel, thanks to the 50% travel redemption bonus. This bonus is only worth $600 for non-travel redemptions for cash back and gift cards. You must spend $4,000 in the first 3 months to earn this bonus.

Related: 5 Times It Pays To Check The Chase Ultimate Rewards Portal

Add an Authorized User

Another way to get 100k Chase points is by adding an authorized user, which is free for the various credit cards that earn Chase Ultimate Rewards. The lone exception is the Chase Sapphire Reserve with a $75 annual fee per additional card.

The purchases from your secondary users will help you earn more points each statement cycle. It’s also an easy way for this person to access a particular card brand when they may not be eligible to apply momentarily or don’t want to undergo a hard credit check.

Summary of How Much Is 100,000 Chase Points Worth

Earning at least 100k Chase points is a laudable goal as Chase Ultimate Rewards are one of the most valuable credit card points for travel or cash back. 100,000 Chase points are easily worth over $1,000 in value, and even more, if you transfer them out to an airline or hotel partner. Like most rewards programs, signup bonuses provide the most bang for the buck. After that, aligning your spending habits with a card that offers the most points per dollar is your next-best earnings strategy.

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