Final Weekend for Sapphire Reserve 100,000 Point Offer!

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My favorite new rewards credit card and sign-up bonus in the last couple years has been the Chase Sapphire Reserve and its 100,000 point sign-up bonus. My husband and I (and several friends and family members) all got in on this deal when the offer was available online until January of this year. While the offer is not available online any more, it has continued to be available in Chase branches for those who go and apply in person. However, that deal is now also scheduled to come to a close effective March 12, 2017, which is just two days away.

Last Chance to Apply for 100,000 Point Sapphire Reserve Offer

If you have been wanting in on this deal and haven’t yet taken action, this is your final call to get yourself to a Chase branch ASAP! Like many other Chase cards, the Sapphire Reserve is subject to Chase 5/24 rules, meaning you are extremely unlikely to be approved if you have opened five or more new credit card accounts across all banks in the past 24 months, though applying in person has helped some who found out they were “pre-approved” get the card and bonus despite being over 5/24.

If you get to a Chase branch by Sunday, you should still be able to get the Sapphire Reserve’s 100,000 sign-up bonus points with $4,000 in spending in the first three months, as opposed to the online offer that is 50,000 points after $4,000 spent in the first three months. The card has a $450 annual fee, but for many travelers that is very much worth it for all that you get in the first year.

Use 100,000 Ultimate Reward Points to Book $1,500 Worth of Travel via Chase

If you have the Sapphire Reserve, your Ultimate Reward points are worth 1.5 cents each towards travel booked via Chase. This is a greater per-point value than any other Ultimate Rewards card provides, but you can move your other Ultimate Reward points from cards like the Sapphire Preferred, Freedom, Ink Plus, etc. to your Sapphire Reserve account and get this 1.5 cents in value from all of your Ultimate Reward points.

You can book hotels, airfare, car rentals, and even activities such as lift tickets, tours, shows, ski rentals, ground transportation, and more via the Chase website and use your points at 1.5 cents in value to cover those purchases. You can also use a combination of points and cash to cover those purchases if you prefer.


use-ultimate-reward-points-for-flights-jpgI think getting 1.5 cents per point (and even earning airline miles from your flown tickets on top of that) is really solid. However, I always encourage folks to look beyond just this fixed value redemption option because you can sometimes do better than getting 1.5 cents in value for your Ultimate Reward points via transferring them to Ultimate Rewards hotel and airline transfer partners as I’ll point out below.

Use 100,000 Points to Stay up to 20 Nights at Hyatt Resorts Around the World 

I transfer a good number of our Ultimate Reward points at a 1:1 ratio to Hyatt in order to stay at their resorts and hotels around the world. Their properties start at just 5,000 points per night for places like the Hyatt Regency Wichita and go up to Category 6 and 7 properties for 25,000 – 30,000 points per night. Some of these higher end properties we have stayed at include the Park Hyatt Maldives or Hyatt Regency Churchill in London for 25,000 points per night, and the Park Hyatt New York or the Park Hyatt Paris-Vendome for 30,000 points per night.

Park Hyatt New York
I have enjoyed all of those properties, as well as closer to home properties like Hyatt Hill Country (15k points per night), Hyatt Lost Pines (20k per night), and some of the Hawaii Hyatt properties like the Grand Hyatt Kauai (25k per night), Hyatt Regency Maui (20k per night), and Andaz Maui (25k per night).


Park Hyatt Maldives

Park Hyatt Maldives

When you stay at a Hyatt on points you do not pay taxes or resort fees on your award nights, which can be a tremendous savings at some of these resort properties that carry resort fees of up to $50 per night. Factoring in things like avoiding resort fees and taxes on my award night stays, I often get closer to 2 cents per point in value when using my Ultimate Reward points to book via Hyatt Gold Passport.If you want to stretch your points even further while still enjoying Hyatt properties you can also look for points + cash rates where you pay a fixed cash and points amount to stay at the various hotels and resorts. Do remember that you will pay resort fees and taxes if you book via that manner.

Use 100,000 Ultimate Reward Points to Fly on American Airlines or Alaska Airlines Flights from 7,500 Points Each

The British Airways award chart is distance-based, and that means even when you book flights on their partners such as American Airlines and Alaska Airlines, shorter flights of up to 1,151 miles in length start at just 7,500 Avios each way. Think Charlotte – Grand Cayman, New York – Montreal, or Dallas – Miami as some examples of these shorter routes. You can transfer your Ultimate Reward points to British Airways at a 1:1 ratio and take advantage of this award chart sweet spot for your shorter trips in and near the United States.

Avios American Airlines.jpg

You can book a lot of 7,500 mile award flights when you are working with 100,000 sign-up bonus points, so this is a way to leverage award flights for the whole family via just getting one credit card. You can also fly on nonstop flights operated by American or Alaska from the West Coast, and as far east as Phoenix to Hawaii for just 12,500 Avios each direction in economy, which is a tremendous deal. I will note that American saver award availability is not currently stellar, but if you have some flexibility in your travel plans this can be a solid way to redeem your points.

Use 100,000 Points to Score Round Trip Tickets to Hawaii on United via Singapore Airlines

The Singapore Airlines KrisFlyer program is also an Ultimate Rewards 1:1 transfer partner, and since it is in the Star Alliance, you can use their program to fly on their partner United Airlines. The Singapore Airlines award chart is more favorable than United’s own chart for the exact same flights in some cases. For example, United wants 45,000 miles round trip for flights from the mainland to Hawaii in economy, but via Singapore Airlines you can book the same flight for 35,000 miles round trip.

Hawaii for less

This example highlights the beauty of having transferable Ultimate Reward points as you can pick and choose between the various award charts to transfer to the partner that will help you stretch your points as far as they can go. If you wanted to go to Hawaii in business class (domestic first in a two-cabin plane), it would cost you 60,000 miles to fly on United via the Singapore Airlines chart instead of 80,000 if you transferred to United directly, though availability can be harder to secure in business/first class than economy.

Use 100,000 Points to Fly to Hawaii from 25,000 Miles Each on Delta

Thanks to Korean Airlines, you can fly round trip to Hawaii on Delta operated flights for just 25,000 miles in economy. Because of some recent updates on the Korean side of things, you can even now book those flights online! Theoretically you can even do the round trip in Delta first class for just 45,000 miles round trip, though you need some true needle-in-a-hay-stack luck to find that availability.

Make sure these boxes are checked to search for awards on Delta

Make sure these boxes are checked to search for awards on Delta

Getting four round trip tickets to Hawaii with one credit card sign-up bonus is very exciting for many family travelers!

Use 100,000 Bonus Points to Fly United Business Class Polaris Flight to Europe

United premium cabin flights to Europe and beyond recently got an upgrade when the new Polaris flights kicked off in late 2016. United still doesn’t have very many aircraft with the new Polaris seats in service so don’t count on the new seats quite yet, but almost everything else from the Saks Fifth Avenue duvet, to the food and beverage options, to the new Polaris lounges is upgraded over previous United BusinessFirst offerings, which I think were already totally adequate for a lie-flat trip to Europe.


You can get a one-way United operated award flight to Europe from North America for 57,500 Ultimate Reward points transferred 1:1 to United. Getting a one-way flight in lie-flat business class for far less than one credit card sign-up bonus isn’t too shabby when that flight would sell for several thousand dollars!

United Polaris Lounge in Chicago

Use 100,000 Bonus Points for Lots of Domestic United flights from 10,000 Miles

It may not be fancy, but we still use United miles (transferred in from Ultimate Rewards) for domestic United flights when the selling price of the flight is pretty high. We also use them quite a bit to fly my husband’s parents from Kansas to Texas for visits. The selling prices for that route can be close to $400 or more round trip, but it is just 20,000 United miles round trip since the flight is less than 700 miles each way.

With 100,000 points you have enough to transfer to United and get several round trip saver economy award tickets within the lower 48 or Canada for 20,000 – 25,000 miles each via United. It may not be the most exciting redemption out there, but it is still one of the most valuable for us to keep our daughters connected to their family.

Use 100,000 Bonus Points for Over $1400 in Southwest Flights

If you want easy award flight booking options with no blackout dates, you can use your Chase Ultimate Reward points for 1:1 transfers to Southwest Airlines where 100,000 points can get you more than $1400 worth of “Wanna Get Away” fares! The exact amount of value you get from points transferred to Southwest will vary, but some recent tests resulted in about 1.4 – 1.6 cents per point via Wanna Get Away fares. I love that with Southwest you can redeposit or change your award flights without paying a penalty.

Do note that transfers to Southwest from Ultimate Rewards do not count towards earning the valuable Companion Pass, though of course if you already have the Companion Pass you will get twice as far on your transferred points.

So Many Ways to Use 100,000 Sign-Up Bonus Points

This post really just scratches the surface of what you can do with 100,000 Ultimate Reward sign-up bonus points, but whether you want four nights at a Hyatt Resort in Hawaii, multiple Southwest award flights maximizing the Companion Pass, several domestic round trip tickets to visit family starting at just 7,500 points each when booked via British Airways, or you just want to use your points at a flat 1.5 cents each for travel booked via Chase, you can make it happen when you are working with such a large number of bonus points.

The card also offers a $300 annual travel credit, Priority Pass membership, and so much more. No matter how you want to use your 100,000 Chase Sapphire Reserve sign-up bonus points and other perks, the most important thing to note today is that March 12th is reportedly the final day you can get the 100,000 point sign-up bonus in a Chase branch!


Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. It is very brutal to people who do not reside in New York.
    We cannot get card and Chase should not publish the ads on line dated 3/12/2017 which the other people cannot get due to locations in MA, MD, DC, RI so on and on. Great offer for “SOME “

  2. Hello All,

    I live outside of Washington’s DC and would really be interested in being able to get this card, specifically to use the points to see my sister in Austria and pay for my education upfront and then get reimbursed by my employer for the points. I was considering driving to Wilmington, DE tomorrow to apply in person at a branch (nearest branch), but don’t want to waste my time if I won’t get approved.

    Do you think I even stand a chance of pre-qualifying? Here’s my scenario:

    31 yrs old
    75k annual income
    14 yr credit age
    No recent inquires in last several years
    Total debt is under $2,200 (student loans)
    Only have 1 CC and I have always made my payments (2k limit)
    Credit Score:
    Creditkarma shows 714
    Creditwise shows 714 shows 773

    Any thoughts or recommendations? I’ve never had a rewards card before.

      • Am at a branch now, if you want the reserve your banker will need to do it through the web, then enter in his bankers info. After approval the banker called banker support to confirm my 100k points.

    • Ty and anyone else with student loans, check out’s referral bonus. Get your spouse/friend/family member to refer you, refinance your loan (saving you money hopefully, if a lower interest rate) through them, and you each get a $500 referral bonus. Works even better if you’re about to pay it off, as there is no pre-payment penalty. I love this hack!

  3. Took almost an hour in branch today in Denver, but my wife got approved after a work around. Computer system was down and customer service was swamped with all of the people applying. If you head to a branch, give yourself plenty of time.

  4. So I didn’t end up going to a branch yesterday because it was an hour and a half drive. I’d like the card because I have a lot of travel coming up early this year, but wondering if it makes sense to wait for another higher bonus than the 50K. Any ideas or thoughts on whether or when this might happen?

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