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100,000 point Chase Sapphire Reserve bonus – use for United miles, Southwest, and more

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This article was last updated Jan 08, 2017, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

*The Chase Sapphire Reserve® offer and/or promotion has since changed, expired, or is no longer available.

If you’re looking for 100,000 United miles or Southwest points, the bonus for the new Chase Sapphire Reserve® is a great way to get there.

If you apply in person at a Chase branch by March 12, 2017 you get 100,000 bonus points after you spend $4,000 in the first three months of having the card. Otherwise, if you apply online you can earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

> Read our in-depth review

The points from the Chase Sapphire Reserve® can be transferred into real miles with Chase travel partners like United MileagePlus® and Southwest Rapid Rewards®, so 100,000 points = 100,000 miles. There’s no fee for the transfer, and it’s usually instant.

We value points with many Chase travel partners at around 2 cents each, so it’s not hard to get over $2,000 in travel value out of the bonus points.

You can also choose to use the points to book up to $1,500 worth of travel on the Chase Ultimate Rewards® website if you don’t want to deal with airline miles. Or, use the 100k points for $1,000 in cash via a statement credit. The choice is yours anytime.

What’s the catch?

The downside is the Chase Sapphire Reserve® comes with a $450 annual fee.

But it also comes with a $300 travel credit each year that’s automatically applied to any travel purchases you make with the card.

That includes airfare, cruises, baggage fees, and more. Just buy travel with your card, and the first $300 worth each calendar year will be automatically credited to your statement – no points required.

So if you spend over $300 in travel each year, holding this card costs more like $150 a year. Even better, travel is a pretty broad category with Chase, so even tolls and parking can be reimbursed. And since the credit is based on a calendar year, not your card opening date, it resets every January, so in your first year of holding the card you can get $600 worth of credit – $300 for 2016, and $300 anytime in 2017.

The Chase Sapphire Reserve® also comes with these benefits:

  • Priority Pass Select access to over 900 airport lounges with unlimited guests
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
  • 50% more value when you use your points to book travel on the Ultimate Rewards website (100,000 points = $1,500 in travel value)
  • $0 foreign transaction fees
  • TSA Precheck or Global Entry fee reimbursement (up to $100 every 4 years when you pay with your card)
  • Emergency travel medical / dental benefit (up to $2,500 per trip)
  • Trip cancellation / interruption insurance (up to $10,000 per trip)
  • Trip delay reimbursement (up to $500 per delay)
  • Primary car rental collision damage waiver (up to $75,000)

Will you get approved?

While approvals involve many factors, one thing in particular to keep in mind is that you might not be approved if you’ve opened too many credit cards recently. One rule of thumb that’s been widely reported in the mile and point blog community is that if you’ve opened 5 or more credit card accounts in the last 2 years, you might not be approved for some Chase products, including this one.

Some people also report being ‘pre qualified’ when they visit a Chase bank, even with many card accounts opened in the last 2 years, so you may want to consider a visit to a branch to check.

When will the bonus points post?

You don’t have to wait a full 3 months to see the bonus post.

Once you meet the spending requirement for the offer, the points will post within 6 – 8 weeks. But often, it simply posts when the monthly statement is generated for the period in which you meet the spending requirement. So you could see the points within a month or two of opening the account.

Can you get cash back?

Yes, you can redeem some or all of your points for cash back. Each point is worth $0.01 when you choose cash back, so 100,000 points would be worth $1,000 in cash.

Do the points expire?

They do not expire as long as you keep the card account open. If you decide to close your card, you can transfer them to another Chase Ultimate Rewards earning card you plan to keep, or transfer to a travel program to keep them alive.

What purchases count toward the $4,000 spending requirement?

Just about any purchase counts. But these don’t:

Balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee.

When do the 3 months start for the bonus?

They start from when you are approved for the card, though there are some reports there is a bit of flex in the 3 month period to account for the fact that you need to wait for the card to arrive in the mail before you can start making purchases.

When does the $300 travel credit post?

Once you make a travel purchase, a credit will appear on your account the same day. That credit will then be applied to your billing statement within 1-2 cycles. You’ll keep receiving credits on travel purchases until your $300 limit is used up for the year. The calendar resets after your December billing statement.

What counts as travel for the $300 credit and 3x points?

Chase considers merchants that classify themselves as these types to be in the travel category: airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

So yes, you could pay for parking or tolls and have them reimbursed via the $300 travel credit each year. There’s no need to travel far. Unfortunately gas does NOT count as a travel purchase.

When does the annual fee post?

The annual fee is charged up front – there’s no waiver for the first year, and it’s a $450 annual fee.

Can an authorized user earn the bonus?

There is no extra bonus for authorized users. If you want your spouse to earn a bonus, consider having your spouse apply for a separate account. Members of the same household can combine Ultimate Rewards points any time.

Is there a small business version of this bonus?

Unfortunately for now, this bonus is only for individual, personal accounts.

How long will the bonus last?

We don’t have an end date for this offer. It’s not being marketed as a ‘limited time offer’ so it might be around for a while, but offers can be pulled at anytime, so if this many points are exciting to you, get in on it as soon as you can.

Can you combine points with cards you already have?

Yes, if you have another Chase Ultimate Rewards card like the Chase Freedom® or Chase Sapphire Preferred® Card, you can combine your points anytime. You can also combine points with any member of your household as well.

What can you do with 100,000 Chase Ultimate Reward points?


If using 100,000 points for $1,500 in travel booked via the Chase website isn’t enough, then consider you can also transfer your points into your mile or point accounts with these travel partners any time.

  • United MileagePlus®
  • Southwest Rapid Rewards
  • Marriott Rewards
  • Hyatt Gold Passport
  • IHG® Rewards
  • British Airways Avios
  • Air France / KLM Flying Blue
  • Korean Skypass
  • Singapore Airlines KrisFlyer
  • Virgin Atlantic Flying Club

If you already have points in one of those programs, you know 100,000 points can get you a lot closer to a great reward.

But if you’re not familiar with Chase Ultimate Rewards and its many options, here are some things you can do with the points thanks to the point transfer feature.

4 roundtrips to Hawaii – 25,000 miles each


Chase has lots of interesting travel partners, and one of them is Korean Skypass, the frequent flyer program of Korean Airlines. You can use Korean miles to book Delta flights and they only charge 25,000 miles to fly roundtrip between the mainland US and Hawaii in economy class on Delta. Consult our Korean Skypass cheat sheet to find out more about using Korean Air miles.

Or, if you live on the West Coast, consider transfering your points to British Airways Avios and flying Alaska or American Airlines for the same price – 25,000 points roundtrip.

5 nights at the Hyatt Regency in Maui – 20,000 points a night


With rooms going for $350 or more a night during high season, why pay those prices when you can transfer your points to Hyatt Gold Passport and get a room for 20,000 points a night at this classic Maui resort.

A roundtrip in Business Class to Europe – 100,000 points

Chase isn’t a partner with Delta, but it is a partner with Virgin Atlantic Flying Club, which is a Delta partner. And when you transfer points to Virgin Atlantic Flying Club you can experience the luxury of Delta ONE Business Class to Europe for 100,000 points roundtrip. That’s for tickets that often cost $3,000, $4,000 or more.

5 Nights at the Hyatt Ziva in Los Cabos or Puerto Vallarta – 20,000 Points Per Night

Hyatt all-inclusives are generally raved about by people who stay there. 100,000 Ultimate Rewards is enough to get you four nights at an all inclusive in Montego Bay, Jamaica. You could stretch your points even a little bit further and book five nights at the Hyatt Ziva in Los Cabos or Puerto Vallarta for only 20,000 points per night. Check out our Hyatt Gold Passport cheat sheet to find out more about using Hyatt points.

New York to Frankfurt for 67,500 Singapore Miles in Suites Class

Flying Singapore Suites is the holy grail of points and miles if ever there was one. How would you like to have a real bed in the sky? 67,000 Singapore miles will get you a bed in the sky and if you book online you’ll save an extra 15%, bringing the final price down to 57,375 miles. If you can earn an extra 15,000 miles before you book, you’ll have enough to bring a second person along – but be warned, it is a challenge to find a day with two seats available at the lowest price level in Suites Class. Read our full guide to using Singapore Krisflyer Miles to find out more.

2 roundtrip First Class tickets on United – 50,000 miles each


Flying from the east to the west coast is pretty long. 100,000 United Miles will get you two tickets for roundtrip flights between New York and Los Angeles or San Francisco. This makes that redeye flight back to the East Coast sound like a lot better of an idea with a fully-flat bed to you can get some shuteye on your flight. United miles are one of our favorite currencies to use because of how simple it is to book award tickets in comparison with many other airlines. Find out more by checking out our United MileagePlus cheat sheet.

Over 20 short flights within Europe via British Airways Avios – 4,500 points each

Airbus A320-232 - British Airways (G-EUUN)

British Airways has an incredible sweet spot for short flights. Flights that are shorter than 650 miles in distance will only cost you 4,500 British Airways Avios to redeem for a seat in economy. Often times, these short flights are priced ridiculously high. 100,000 Ultimate Rewards is enough to book 22 of these short flights by transferring your points to British Airways, which can help you hop all over Europe on British Airways, Aer Lingus, Air Berlin, or Iberia.

British Airways Avios can also be used to book flights of that distance within the US on American Airlines and Alaska Airlines, and all flights (including those in the US) that are shorter than 1,150 miles in distance for only 7,500 Avios each direction in economy.

Find out more about British Airways Avios in our guide

8 nights of Hyatt suite upgrades – 6,000 points each


You can upgrade any standard deluxe room rate at almost any Hyatt worldwide to a suite for just 6,000 points a night. The exceptions are Park Hyatt Beaver Creek Resort , Park Hyatt Sydney, Andaz Tokyo, Hyatt Regency Phuket Resort, Hyatt Regency Tulsa, Hyatt Regency Wichita, Hyatt Key West Resort and Spa, Hyatt Manila City of Dreams, Hyatt Santa Barbara, Hyatt Paris Madeline, Hyatt Residence Club resorts, Hyatt Place hotels and M life resorts.

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