10 best ways to use 100K Chase points: From first-class flights to all-inclusive getaways

The Chase Sapphire Preferred® Card (see rates and fees) is one of our favorite rewards cards at TPG. And right now, you can earn a limited-time bonus of 100,000 Ultimate Rewards points after spending $5,000 on purchases in the first three months from account opening. Since TPG values Chase points at 2.05 cents apiece, per our April 2025 valuations, this limited-time offer is worth over $2,000.

With such a generous welcome offer available, you might be wondering how you can maximize all of those Ultimate Rewards points. To get the most value out of your points, we recommend transferring them to the program’s 11 airline and three hotel transfer partners.

Offer alert: Add 100,000 Ultimate Rewards points to your balance with this limited-time offer on the Chase Sapphire Preferred.

While some may choose to be thrifty with their rewards and redeem 100,000 points for a weeklong vacation, others may opt to live out their first-class flight dreams and book a one-way ticket using the majority (if not all) of their Chase points.

So, if you have 100,000 Ultimate Rewards points at your disposal, here are the 10 best ways to redeem them using Chase’s airline and hotel transfer partners.

Fly first class to Europe on Emirates or Lufthansa

Emirates operates two “fifth freedom” flights that commence in the United States and fly to Europe before continuing to the airline’s hub at Dubai International Airport (DXB). These flights are from John F. Kennedy International Airport (JFK) to Milan Malpensa Airport (MXP), and from Newark Liberty International Airport (EWR) to Athens International Airport (ATH).

You can book either of these flights to Europe in first class for 102,000 Emirates Skywards miles (plus minimal fees and taxes), which can be transferred from Ultimate Rewards at a 1:1 rate. While 102,000 is slightly higher than the 100,000-point welcome offer for the Chase Sapphire Preferred, remember that the offer is earned after spending $5,000, so you would earn at least 5,000 additional points on purchases on top of the welcome offer.

While both routes offer a fantastic experience, the JFK-to-MXP flight has a slight edge. It is operated by the Airbus A380, which has an onboard bar and showers.

You can also book a one-way first-class ticket on Lufthansa to Europe for 90,000 Air Canada Aeroplan points from the East Coast and Chicago or 100,000 points from Texas and California.

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Note that Lufthansa usually only releases first-class seats to partner programs like Aeroplan a few days before departure, so you’ll need to be up for an adventure, but it is well worth the hassle for a truly luxurious product.

Related: How to book Lufthansa first class with points and miles

Book round-trip lie-flat seats to London with Virgin Atlantic

Virgin Atlantic Flying Club introduced new Saver fares in late 2024, which offer terrific value on lower-demand dates. Starting at just 29,000 Virgin points each way from the United States to Heathrow Airport (LHR) and Manchester Airport (MAN), you can enjoy lie-flat seats with direct aisle access, onboard social spaces and Virgin’s fabulous Clubhouse lounges at select locations.

Even on some more popular dates, Saver fares from the northeast United States to the United Kingdom can be found for 50,000 Virgin points each way or less, meaning you could enjoy a lie-flat round-trip journey across the Atlantic with the welcome offer from the Chase Sapphire Preferred.

Look for the red “Saver” tags for the lowest fares, or use Virgin’s reward seat checker or an external tool like Seats.aero to find the lowest prices across multiple dates.

Related: Bringing the fun back to flying: Virgin Atlantic A350 Upper Class review

Book round-trip business class to Spain with Iberia

If you want to travel to Spain rather than the United Kingdom, Iberia offers stellar off-peak award pricing to Spain on its Airbus A330, A350 and now A321XLR aircraft.

Round-trip business-class tickets from Boston Logan International Airport (BOS), O’Hare International Airport (ORD) or JFK to Adolfo Suárez Madrid-Barajas Airport (MAD) cost just 68,000 Avios during the airline’s off-peak award dates.

Not based in one of these locations? Longer nonstop flights from gateways like San Francisco International Airport (SFO) and Los Angeles International Airport (LAX) are just 102,000 Avios round-trip. Taxes and fees are roughly $200 on a round-trip business-class ticket, regardless of your departure city.

You can transfer your Chase points to British Airways Club (formerly British Airways Executive Club) or Club Iberia Plus (formerly Iberia Plus) to book these awards at these prices.

Related: A review of Iberia’s new business-class suite on the A350-900 from Madrid to Mexico City

Book flights to Europe for 2 with Flying Blue

Air France-KLM’s Flying Blue program offers a comprehensive network connecting North America with Europe via its Paris-Charles de Gaulle Airport (CDG) and Amsterdam Airport Schiphol (AMS) hubs.

The program prices awards dynamically, with economy flights to Europe starting at 25,000 Flying Blue miles each way. With 100,000 Ultimate Rewards points, you could book a round-trip ticket for two people to Amsterdam, Paris or beyond. Plus, Flying Blue offers a monthly promotion to save 25% on award fares; therefore, you could potentially snag a one-way ticket for just 18,750 miles.

Related: A review of Air France economy on the Airbus A350-900 from Paris to Denver

Book a business-class flight to Japan

Virgin Atlantic Flying Club partners with Tokyo-based carrier All Nippon Airways. You can use your Virgin points to book premium-cabin tickets on ANA at attractive rates; it’s hands-down the best way to book tickets on ANA. Plus, ANA’s new business- and first-class cabins are pretty awesome, too — you can expect top-notch service, great new seats, and a selection of delicious meals and Champagne.

ANA business-class flights to Japan cost just 105,000 points round-trip from the West Coast and 120,000 points from the East Coast and Chicago’s O’Hare International Airport (ORD).

This is one of the best redemption deals of any airline loyalty program, though availability can be scarce.

Take the whole family to Hawaii from the West Coast

Are you on the West Coast of the U.S. and considering an island vacation? Well, say “aloha” to your next vacation destination. You can use your 100,000 Ultimate Rewards points to fly with three family members or friends to Hawaii from any Alaska Airlines gateway in California, Washington or Oregon.

By transferring your Ultimate Rewards points to the Singapore Airlines KrisFlyer program, you can book award seats on Alaska Airlines. You’ll need just 13,500 KrisFlyer miles each way per person (or 27,000 miles round-trip), meaning you could book four people for 108,000 KrisFlyer miles.

Related: The best ways to get to Hawaii using points and miles in 2025

Stay 5 nights in Hawaii using Chase points

World of Hyatt is one of Chase’s most lucrative transfer partners. The program is still known for its excellent (published) award chart, with many high-end hotels costing 40,000 points per night or less.

If you want to make your Chase points go as far as possible, consider midrange Hyatt options in Hawaii. A standard award room would cost you the following:

• 75,000 World of Hyatt points for five nights at the Hyatt Place Waikiki Beach
• 100,000 World of Hyatt points for five nights at the Hyatt Centric Waikiki Beach or the Hyatt Regency Waikiki Beach Resort and Spa

Or, if you want to splurge and can travel on off-peak dates, consider three nights at the Andaz Maui at Wailea Resort for 95,000 World of Hyatt points.

Hyatt does not charge resort or redemption fees on award stays, so there are no added accommodation charges to pay when you check out.

Award-winning business class to India or the Maldives

Qatar Airways’ Qsuite business class is regarded by many as the world’s best. The innovative design allows a four-person family to create a four-person suite to relax, socialize and rest together.

Qatar Airways tends to reserve the most Qsuite award availability for the members of its own Privilege Club program. While Privilege Club is not a transfer partner of Ultimate Rewards, British Airways Club is, and you can transfer Chase points to British Airways and then on to Privilege Club at a 1:1 rate.

This program charges 70,000 Privilege Club Avios each way per person from North America to Doha’s Hamad International Airport (DOH) on off-peak dates. While this is a great price, you can connect to India and the Maldives for just 10,000 more Avios, all in business class, giving you plenty of time to enjoy this luxurious product.

Related: Find Qatar Airways Qsuite award availability in seconds using this platform

Book 4 nights at an all-inclusive resort in Mexico

People sometimes call award travel “free” without factoring in all the other costs that go into a vacation. With Hyatt’s all-inclusive resorts, you have one less thing to worry about: You can check out with a $0 bill when you use points. Everything from your room to meals (even room service) to some nonmotorized sports are included in your award redemption.

With 100,000 Ultimate Rewards points, you can book four standard nights at the following all-inclusive properties in Mexico:

• Breathless Cancun Soul Resort & Spa
• Breathless Riviera Cancun Resort & Spa
• Dreams Bahia Mita Surf & Spa Resort
• Dreams Cozumel Cape Resort & Spa
• Dreams Los Cabos Suites Golf Resort & Spa
• Dreams Natura Resort & Spa
• Dreams Riviera Cancun Resort & Spa
• Dreams Tulum Resort & Spa
• Dreams Vallarta Bay Resort & Spa
• Dreams Vista Cancun Golf & Spa Resort
• Hyatt Zilara Riviera Maya
• Hyatt Ziva Riviera Cancun
• Secrets Aura Cozumel
• Secrets Bahia Mita Surf & Spa Resort
• Secrets The Vine Cancun
• Secrets Vallarta Bay Puerto Vallarta

In our April 2025 valuations, TPG values Hyatt points at 1.7 cents each. With rates at the above resorts often exceeding $400 per night, you could save thousands with 100,000 Ultimate Rewards points.

Related: The best Hyatt hotels in the world

Book up to 20 short-haul domestic flights

Yes, you can potentially book up to 20 flights with one welcome offer.

While this almost seems too good to be true, United Airlines’ MileagePlus program can offer very reasonable short-haul redemption prices.

By monitoring its Featured Awards page, you can find domestic economy-class awards for as low as 4,500 miles on a route like San Francisco International Airport (SFO) to San Diego International Airport (SAN). With just $6 in fees and taxes, this represents terrific value and the ability to take up to 20 one-way flights with one welcome offer of 100,000 Ultimate Rewards points.

Bottom line

The Chase Sapphire Preferred is one of the most rewarding travel credit cards on the market. Plus, the welcome offer of 100,000 Ultimate Rewards points can be redeemed in many ways to book your next vacation.

Whether you want to fly comfortably to Europe, take the whole family to Hawaii or save money on a domestic flight, Ultimate Rewards points are easy to earn and redeem.