How to Quickly Earn and Spend 144,000 Ultimate Rewards

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The glory days aren’t over. You can get two cards right now with no annual fee for the first year and rack up 144,000 Ultimate Rewards after meeting their minimum spending requirements.

Then you can redeem those points for $1,800 in flights on any airline, five roundtrips flights to Hawaii or Europe, getting three people into Thai or Korean First Class, or up to 32 award flights.

The Cards

The classic Chase Sapphire Preferred offers 50,000 bonus Ultimate Rewards after spending $4,000 on the card in the first three months. Plus add an authorized user on the application for 5,000 more bonus miles (you are sent the card, and the authorized user is not precluded from getting his own Chase Sapphire Preferred account and bonus.)

Spend $4,000 in the first three months for at least 59,000 Ultimate Rewards (4,000 for the spending, 5,000 for the authorized user, and 50,000 bonus), or a lot more if you spend in the 2x bonus category on travel and dining.

You can read my full analysis of the card here.

The new Ink Business Preferred offers 80,000 bonus Ultimate Rewards after spending $5,000 on the card in the first three months.

Spend $5,000 in the first three months for at least 85,000 Ultimate Rewards (5,000 for the spending and 80,000 bonus), or a lot more if you spend in the 3x bonus categories: travel; shipping; internet, cable, and phone services; and search engine or social network advertising.

Here’ my full analysis of the Ink Business Preferred, and my post on how to be approved for business cards.

That’s $9,000 total spending in the first three months for 144,000 Ultimate Rewards.

The Best Redemptions of 144,000 Ultimate Rewards

Ultimate Rewards can be used like cash toward any flight or can be transferred to airline miles or hotel points, in which case they become those miles and points and are subject to those miles/points’ rules. While it is a little more complicated to transfer Ultimate Rewards to airline miles, it is much more lucrative.

$1,800 in Flights on Any Airline with No Blackouts

This is not one of the best uses.

Yes, Ultimate Rewards earned by the Sapphire Preferred and Ink Business Preferred can be used like cash toward the purchase of any flight at a rate of 1.25 cents per point, so 144,000 points would be $1,800 in flights.

And yes, you’ll earn miles for all $1,800 of flights because the airlines just see that you’re flying a “cash” ticket.

But I think the 10 uses below–which involve transferring Ultimate Rewards to United, Korean, British Airways, Flying Blue, or Virgin Atlantic miles–are even better!

1. Roundtrip Business Class to Europe (115,000 to 140,000 United Miles)

United charges 57,500 miles each way to Europe in flat bed Business class on its own flights. (It charges 70,000 to fly its partners.)

For that price, you can get from anywhere in the continental United States to anywhere in Europe in a flat bed like this now…

screen-shot-2016-09-26-at-5-40-41-pm

…or the improved “Polaris” product as it rolls out on more planes this year.

Award space is often wide open in United Business Class to Brussels and Amsterdam, with connections throughout Europe from Brussels.

2. First Class Between Southeast Asia & Australia or New Zealand (40,000 United Miles)

Thai Airways First Class on its 747 operates daily between Bangkok and Sydney. Thai Airways First Class is luxurious with renowned Thai service, awesome Thai food, and free hourlong Thai massages for First Class passengers departing Bangkok.

Screen Shot 2015-01-29 at 6.24.22 PM

The price for 9+ hours in Thai First Class: only 40,000 United miles!

For whatever reason, when United jacked up the prices of flying Business and First Class on partners in February 2014, it dropped the premium-cabin prices between Southeast Asia and Australia/New Zealand.

I flew First Class on the Thai A380 in September 2013–unfortunately I lost my camera, so I never wrote a trip report–and I was sufficiently impressed by the bed, food, massage, and service that I would happily fly Thai First Class again. On that trip, I even got an hour in First Class on a Thai 747 from Phuket to Bangkok, and I found this specific seat/bed combo to be very comfortable as well.

The Massage

Most international First Class, at least on Asian airlines, is going to have a great bed, great service, and delicious food. What sets Thai apart is the ground experience.

I connected in Bangkok and was met at the plane door by a Thai employee who escorted me to the lounge. Once there, I was handed off to another employee who took my food, drink, and massage order.

First Class passengers departing Bangkok get a free massage. You have four options, and I went with the hourlong Touch of Silk oil massage. I’m not much of a massage guy, but the time flew by, and I came out feeling relaxed and fantastic.

All else equal, you really want to fly Thai First Class out of Bangkok instead of into Bangkok to take advantage of Thai’s ground service.

Read more about using 40,000 United Miles to Book Thai First

With 144,000 miles, you could book three people on this award with plenty of miles left over.

3. Roundtrip to Hawaii (25,000 Korean miles, 45,000 in First Class)

Korean charges 25,000 miles roundtrip in economy and 45,000 miles roundtrip in First Class or Delta One between the mainland and Hawaii

Korean has access to all the same Level 1 award space Delta releases to people with Delta miles, but no other Delta award space.

What’s the catch? For bookings to Hawaii, there are two:

  1. You can only book Korean awards for yourself or immediate family members, with proof of relationships.
  2. Korean awards are the same price roundtrip or one way, so you have to book roundtrip (although an open jaw is allowed.)

However there are a number of benefits to booking Korean awards to Hawaii:

  1. Korean awards have no change or cancellation fees if your plans change
  2. Korean awards of Delta flights to Hawaii do not have fuel surcharges, so both types of awards will just have identical taxes of $11 roundtrip.
  3. Korean offers a stopover on roundtrip awards to Hawaii.

Read more about using 25,000 Korean miles or a roundtrip to Hawaii

4. Korean First Class (45,000+ Korean Miles)

Korean First Class is the most available international First Class award space I’ve ever seen.

Korean flies to Seoul from 11 American cities.

Screen Shot 2015-08-19 at 2.42.21 PM

It features a First Class cabin on all 11 routes, including Honolulu.

Last year, I searched award availability for one week for each route on Expert Flyer. I spread my searches throughout the calendar. In total, there were 87 flights searched because because the cities ranged from 3 to 17 flights per week. On 84 of those 87 flights, there was at least one award seat in First Class.

Read more about booking Korean First Class

5. 32 Award Flights (144,000 Avios)

British Airways Avios are very often the best miles to book short, direct, economy flights.

I like international First Class as much as the next guy, but sometimes I just want to fly from Los Angeles to Hawaii, Hong Kong to Tokyo, or Chicago to Dallas–short flights on planes without a great First Class cabin anyway.

While most major airline miles are region-based, Avios are distance-based. British Airways charges a price for each segment of your award. The number of Avios is determined by only two things: the distance of the segment and the cabin of the segment.

Here is the award chart:

Screen Shot 2015-01-28 at 1.00.40 PM…except that any flight that touches the United States costs at least 7,500 Avios, so this is the award chart for flights to/from/within the United States:

Screen Shot 2015-10-28 at 2.50.49 PM

You can get 32 4,500-Avios flights like Helsinki to Oslo , Lima to Cuzco, or Sydney to Melbourne after meeting the minimum spending requirements.

Or you can get 11 flights to Hawaii (12,500 Avios each) on the following routes:

Screen Shot 2015-12-30 at 5.53.52 PM

For more information see Avios Basics and All the 12,500 Avios Awards to Hawaii.

6. Three Roundtrips to London (105,000 Virgin Atlantic Miles)

Here are some Virgin Atlantic deals I particularly like:

  • Economy from Atlanta, Boston, New York, Washington DC, Chicago, or Detroit to London: 17,500 miles + $134.60
  • Premium Economy from Atlanta, Boston, New York, Washington DC, Chicago, or Detroit to London:  27,500 miles + $234.60
  • Economy Class from Hong Kong to London: 25,000 miles + $22
  • Upper Class from Shanghai to London: 50,000 miles + $277

For more information, see this post. The basic idea is that the fuel surcharges are annoying but bearable because of how few miles you need. Limit the taxes by only booking awards to London and not home from London. (Use United miles or another type of miles for the return from Europe.)

7. One Roundtrip to London and Two to Buenos Aires (130,000 Virgin Atlantic Miles)

Virgin Atlantic offers some great deals on awards on partners like Delta and Air New Zealand.

  • Atlanta to Buenos Aires roundtrip in Economy Class on Delta: 45,000 miles + $99
  • Los Angeles to Auckland roundtrip in Business Class on Air New Zealand: 125,000 miles + $69
  • London to New York roundtrip in Economy Class on Delta: 40,000 miles + $186

For more information on partner sweetspots with Virgin Atlantic miles, see this post.

8. 5 Roundtrips to Europe, Israel, or North Africa (125,000 Flying Blue Miles)

Every month, Flying Blue releases a new list of Promo Awards, which allow travel from specified cities in the USA to anywhere in Europe, Israel, Morocco, Tunisia, or Algeria for 25% or 50% off the normal miles price.

Usually you have one month to book awards that must be flown 1-4 months in the future.

So what does 25% and 50% off an award to between the United States and Europe look like?

  • 25% off an Economy roundtrip ticket: 37,500 miles + taxes + $112 in surcharges
  • 50% off an Economy roundtrip ticket: 25,000 miles + taxes + $112 in surcharges

Business Class Promo Awards can be reduced to reasonably competitive mile prices, but the excessive fuel surcharges tacked on negate their value.  But as you can see, the Economy prices are absolute steals.

An important point to keep in mind with Promo Awards is that they cannot be changed, cancelled or refunded, so speculative bookings are not an option.

Here are the current available Promo Awards.

9. Roundtrip Singapore Suites to Europe (115,000 Singapore Miles)

Singapore’s A380s feature one of the world’s best First Class products that it calls Suites Class, and it is only bookable with Singapore miles. Singapore releases no First or Suites Class space to partners. Here is a list of routes that feature Singapore A380s (and thus Suites Class.)

Singapore awards include fuel surcharges when an identical cash ticket would have fuel surcharges, but sometimes the mileage price is low enough that it’s worth paying fuel surcharges to treat yourself.

Here are some deals I particularly like:

  • Los Angeles to Tokyo: 74,375 miles in Suites Class + $113
  • Los Angeles to Tokyo to Singapore: 91,375 miles in Suites Class + $276
  • New York-JFK to Frankfurt: 57,375 miles in Suites Class + $203
  • New York-JFK to Frankfurt to Singapore: 93,500 miles in Suites Class + $286
  • Singapore to Hong Kong: 31,875 miles in Suites Class + $30
  • Singapore to Mumbai: 42,500 miles in Suites Class + $160
  • Singapore to Beijing: 42,500 miles in Suites Class + $160
  • Mumbai to Beijing: 61,625 miles in Suites Class + $322
  • Hong Kong to Sydney: 63,750 miles in Suites Class + $188

For more information on booking Singapore Suites, see this post.

10. Three Roundtrips to Hawaii (105,000 Singapore Miles)

It is cheaper to book the exact same United flights to Hawaii with Singapore KrisFlyer miles than with United miles.

  • United charges 22,500 miles each way in economy and 40,000 miles in First Class between the mainland and Hawaii
  • Singapore charges 17,500 miles each way in economy and 30,000 miles each way in First Class between the mainland and Hawaii

That’s a humongous difference. Instead of costing 135,000 United miles to get two people from your home airport to Hawaii and back, you could pay 105,000 Singapore miles. Instead of paying 160,000 United miles for two roundtrip First Class tickets, you could pay 120,000 Singapore miles–even occasionally for flat beds!

To reiterate, these are the exact same flights with vastly different prices depending on which miles you use. Singapore has access to all the same Saver award space United releases to people with United miles (except for some space set aside only for United elites and credit card holders.)

And although using Singapore miles to fly United to Hawaii costs more Ultimate Rewards than using Korean miles to fly Delta (#3 on this list), United releases a lot more award space than Delta does, so you are much more likely to be able to use the Singapore/United deal.

What’s the catch? For Singapore bookings to Hawaii, there really isn’t one.

  • Singapore awards cost fewer miles than United awards
  • Singapore awards are way cheaper to change or cancel than United awards if your plans change
  • Singapore awards do not have a fee for booking within three weeks of departure like United awards do (though here is how to get out of that fee on United awards)
  • Singapore awards of United flights do not have fuel surcharges, so both types of awards will just have identical taxes of around $11 roundtrip.
  • Singapore miles are easier to get than United miles because you can also transfer Amex, Citi, and SPG points to Singapore

For more info on using Singapore miles to fly United to Hawaii, see Guide to Booking United Flights to Hawaii with Singapore KrisFlyer Miles.

Transferring Miles

All of the top ten deals require you to transfer Ultimate Rewards from your chase.com account to a specific partner airline’s miles and then use those miles. That process is very easy and laid out in the linked posts in each section of the top ten.

Bottom Line

The Chase Sapphire Preferred plus the Ink Business Preferred combine to offer 144,000 Ultimate Rewards after spending $9,000 in the first three months. You could waste those points on $1,800 in flights or you could spend them on five trips to Hawaii, Europe, Israel, or North Africa or some truly spectacular First Class experiences on Singapore, Thai, or Korean.


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

The comments section below is 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 questions are answered.

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4 COMMENTS

  1. Nice layout of all the options for using UR points. Quantifying point values is a tough and subjective task, but time and time again, my travel plans have been made possible or improved by using Ultimate Rewards. Their versatility and suite of transfer partners contribute a lot to the qualitative value of these points in my book.

    You forgot one important step to getting these points though: going back in time and not blowing out your 5/24 status with authorized user cards right before 5/24 was enacted! Oh well, I’m sure many of your readers are in the right position to get these two cards.

  2. Assuming I’m not over 5/24 but currently have the Ink Bold and Ink Cash am I still eligible for the Ink Business Preferred for the same business? Thank you.

  3. The problem with using KE to book DL flts to Hawaii is that DL rarely has Tier 1 seats available. Especially in First.

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