Chase · business card
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
18,000 points a year at 1.50¢ = $270, minus the $95 annual fee = $175 a year. The 100,000-point welcome bonus adds $1,500 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 1× Chase Ultimate Rewards | none |
| Flights, hotels and transport | 3× Chase Ultimate Rewards | $150,000 a year, then 1× |
| Groceries | 1× Chase Ultimate Rewards | none |
| Everything else | 1× Chase Ultimate Rewards | none |
3x on travel, shipping, advertising and internet or phone, up to $150,000 a year combined.
Chase Ultimate Rewards points are worth about 1.50 cents each on our published table, our own. What Chase Ultimate Rewards points are worth →
100,000 Chase Ultimate Rewards — about $1,500 — after $8,000 of spending in 3 months. The example spending above does not clear that, so it is left out of the sum.
Credits count for $0 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.