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Home Financial Planning Personal Finance

Chase’s Points Boost on Flights Is a Massive Points Bust

by TheAdviserMagazine
4 months ago
in Personal Finance
Reading Time: 10 mins read
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Chase’s Points Boost on Flights Is a Massive Points Bust
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Chase has introduced a new feature called Points Boost in its travel portal. But don’t let the name fool you. Points Boost is really a points bust — a massive devaluation for travel booked through Chase.

Our team has been digging through Points Boost data for flight bookings, and one thing is clear: If you use Chase points to book flights through Chase, you’ll very likely get just 1 cent apiece for them now — 20% to 33% less than before. Exactly when this change takes effect will depend on when you got your card.

What is Points Boost?

Points Boost has upended the value of Chase’s travel portal, and not for the better.

For over a decade, Chase let you redeem points in the travel portal at fixed values depending on your card.

That value is now changing. Moving forward under the Points Boost system:

Every point is worth 1 cent each (10,000 points equals $100), regardless of the card you hold. 

Select bookings marked as Points Boost will increase the point value to between 1.5 and 2 cents each. 

The value and availability of Points Boost awards will vary depending on what card you have. 

This new system is for applications from June 23, 2025 onward. If you had or applied for one of these cards before then, any points earned prior to Oct. 26, 2025 can still be used at the old value — but only until October 26, 2027.

According to Chase, Points Boost may be offered on select airline tickets, hotels, car rentals, activities or cruises. However, our study focused specifically on airlines.

To find a qualifying Points Boost flight, complete a search in Chase’s travel portal. Once the results show up, you’ll see a scrollbar of Points Boost options at the top of the screen. You can also filter the results by “Points Boost only” by toggling the slider below that box.

Although a result may say “Points Boost” in the top left, it only qualifies for special pricing if you see the points price in blue beneath the cash price.

Search results page for Chase Travel. (screenshot by Craig Joseph)

The Points Boost data (it’s not good)

We checked 81 domestic and international roundtrip itineraries covering 13,316 departure flights. Selected routings included airports to target both Chase partners (including United Airlines, Southwest Airlines, British Airways and Air Canada) and non-partner hubs. Here’s what we found.

Fewer than 10% of flights qualified for Points Boost. Out of more than 13,000 flights, only 1,259 (9.5%) had at least one seat that qualified for Points Boost pricing, which is primarily available on premium economy and first class seats.

Only 3% of the Points Boost itineraries were in economy. All of the economy tickets we found were in United’s Economy Plus (economy with upgraded legroom). The remaining 97% of flights were in business or first class.

The prices for those economy tickets were sometimes outrageously high; Numerous flights were priced higher on United economy with Points Boost than a first class ticket cost without Points Boost. If you want to fly economy, it now appears that your points will be worth 1 cent each when booking flights through Chase.

More than 80% of the Points Boost options we found were on United Airlines. Other airlines that appeared include Air Canada, Emirates, EVA, Qantas and LATAM. No Points Boost options were found for Chase partners Southwest Airlines and British Airways, or non-partners Delta Air Lines, American Airlines or Alaska Airlines.

For most domestic first class tickets, we found the pricing comparable between Chase’s travel portal and booking direct with United. These tickets appear to be the one potential spot of value in the new Points Boost program.

The Chase Sapphire Reserve® offered slightly more Points Boost options than other cards. Chase says in its terms that Points Boost availability varies by card. Here’s what it looked like for us:

Of 2,907 departures searched with the Chase Sapphire Reserve®, 356 (12.2%) had a Points Boost option.

Of 7,557 departures searched with the Chase Sapphire Preferred® Card, 644 (8.5%) had a Points Boost option.

Of 2,852 departures searched with the Ink Business Preferred® Credit Card, 259 (9.1%) had a Points Boost option.

Many Points Boost itineraries had bad pricing, long layovers or inconvenient routings. You might get a decent redemption rate on these bookings, but that doesn’t mean they’re a good deal. Just a few examples from our study:

All Points Boost awards between Phoenix and Minneapolis had a layover in Denver (United’s hub). This route has non-stop service on Delta, American and Sun Country Airlines. A Points Boost ticket (with a connection) also cost around 5,400 points more than the direct, non-Points Boost ticket. 

The cheapest Points Boost award between Seattle and Salt Lake City required a seven-hour trip with a layover, and still cost more points than a first class ticket on a 2-hour direct flight on Delta (non-Points Boost).  

All Points Boost awards between Miami and Dallas have a layover. This route has non-stop service on Southwest and American. A Points Boost ticket (with a connection) cost almost 4,900 points more than the direct, non-Points Boost ticket.

We analyzed the cash and points costs of 81 domestic and international roundtrip itineraries on Chase’s travel portal. The departure dates were selected at 60 days from the day of the analysis. Return dates were chosen eight days after the departure date.

Selected routings included airports to target both Chase partners (including United Airlines, Southwest Airlines, British Airways and Air Canada) and non-partner hubs.

The total number of departures (n=13,316) consists of both base value (n= 12,057) and Points Boost (n=1,259) redemption options. Point values for economy, premium economy, business and first class redemptions were calculated by dividing the cash cost of the itinerary by the number of points required.

The broadest devaluation we’ve ever seen?

When an airline or hotel devalues its rewards program, you can often just switch to another program. But Chase is the largest credit card issuer in the country, and there are only a handful of other issuers that offer flexible travel rewards, limiting your options to look elsewhere. Due to the number of cardholders impacted, this change is potentially the broadest devaluation we’ve ever seen.

Unless you want to fly in a premium cabin on one of those 9.5% of flights where we found a Points Boost seat, your Chase Ultimate Rewards® are now worth 1 cent each in Chase’s travel portal. That’s 33% less value for Chase Sapphire Reserve® cardholders and 20% less value for Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card holders.

Sure, opportunities exist to get greater value than before. But there are far more ways to get worse value. And it’s not just flights. Your points are now worth less (only 1 cent each) towards car rentals, cruises and most hotels booked through Chase if they don’t have a Points Boost option.

How to still get value from Chase Ultimate Rewards®

You can still get good value from your Chase points — but not frequently through Chase’s travel portal. Fortunately, Chase still lets you transfer points to travel partners, such as World of Hyatt. Those transfer partners are generally the way I suggest you use your points to get outsized value.

Full list of Chase transfer partners

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Virgin Atlantic (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

If you don’t have time to learn about transfer partners, here is my advice:

If you had a Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Ink Business Preferred® Credit Card before June 23, 2025, you still book through Chase’s travel portal at the old point value (1.25 or 1.5x) before October 26, 2027. 

If you got a Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Ink Business Preferred® Credit Card or Sapphire Reserve for Business℠ after June 23, 2025, redeem your points for a statement credit at 1 cent per point. Then, pay for travel with your card. The amount of your statement credit will become part of your travel budget, and you’ll earn more points from both your credit card and the airline or hotel loyalty program because you paid with your card and booked directly. Perhaps most importantly, this also avoids issues that can arise when booking travel through third parties, including inflated prices and a lack of accountability when things go wrong.

How to maximize your rewards



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