Earn 10x Chase Points On Hotels & Car Rentals Booked In July

Update: This offer for the Citi Prestige® Card has expired. Learn more about the current offers here.

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Chase has a promotion for those with the Chase Freedom who are looking to book travel this month.

Through this promotion you can earn 10x points with the Chase Freedom for hotel and car rental bookings made until July 31, 2016, through the Chase Ultimate Rewards website.

You you can earn the 10x points on a total of up to $2,500 in combined hotel and car rental purchases during the month of July. Per the terms, you can travel anytime while taking advantage of this, though you need to make the purchase by July 31, 2016.

  • Offer valid on purchases made July 1–31, 2016.
  • Applies only to hotels and car rentals booked through ChaseUltimateRewards.com.
  • Choose from more than 150,000 hotels—with recently lowered prices!
  • Purchase in July. Travel anytime.

The Chase Freedom technically markets itself as being a cashback card, meaning 10x points really converts to 10% cashback. However, if you have the Chase Sapphire Preferred® Card or Ink Plus® Business Credit Card in conjunction with the Chase Freedom, then all those points can be redeemed as “premium” Ultimate Rewards points, and transferred to hotel and airline partners like British Airways Executive Club, Hyatt Gold Passport, Korean Air SkyPass, Singapore Airlines KrisFlyer, United MileagePlus, etc.


I value those points at ~1.7 cents each, meaning the return to me on this offer would be ~17% on my hotel and car rental spend.

That sounds amazing, but there’s a big thing to keep in mind. You generally won’t earn hotel or car rental loyalty program points if you book through a third party. So in the case of hotels, this means you’d be forgoing hotel points in order to earn the 10x Ultimate Rewards points.

In the case of hotels, I usually earn 3x points on hotel purchases using the Citi Prestige® Card, vs. the 10x points I’d earn on the Chase Freedom when booking through the Ultimate Rewards website. That means the difference is really 7x points, and at a value of 1.7 cents per point, that’s a difference in return of ~12%.

So everyone will have to crunch the numbers for themselves, though in general I’d say this is only really valuable if you’re staying at a hotel that isn’t part of a loyalty program, or if you’re not big into hotel loyalty programs. Even in those cases you’ll want to compare the bonus you earn here to what you’d earn through Rocketmiles.

For those who are points obsessed, I think you’ll typically come out ahead by using the actual loyalty program of the hotel or car rental company, rather than the 10x points earned through this offer.

Lastly, here are the full terms of the promotion:

During the promotional period of July 1 to July 31, 2016, earn an extra 9% cash back on up to $2,500 in combined hotel and car rental purchases made through Chase Ultimate Rewards® using your Chase Freedom card. The bonus cash back earned is in addition to the 1% cash back you earn on all purchases for a total of 10% cash back, which means you can earn up to $250 total cash back ($25 cash back plus your $225 bonus cash back). Bonus cash back will post to your account within a week of the transaction posting, and will appear on your monthly credit card billing statement and be available for use within 1-2 billing cycles. To qualify for this promotional offer, account must be open and not in default at the time of fulfillment. This promotional offer is non-transferable. For more information about your rewards program, see your Rewards Program Agreement.

Bottom line

This has the potential to be a very nice offer, though be sure you crunch the numbers based on your situation. As much as I’d love to earn 10x points on hotel and car rental spend, I’m not sure if it’s worth doing so at the expense of earning hotel or car rental points.

Could you see yourself taking advantage of this 10x points offer?

(Tip of the hat to Gaurav)

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  1. Ben–would hotel stays count towards elite stay/night credits even though they won’t earn points?

  2. Since Hyatt is a Chase transfer partner, wouldn’t it be totally worth it for a Hyatt stay? If I book through Hyatt I get 5 pts per dollar and if I have the credit card that bumps up to 8 pts per dollar which is still less than the 10 pts you get through the freedom? Then you can just transfer your UR pts to Hyatt. If this was the case then it would be better to avoid the actual loyalty program.

  3. Nope. This almost never works for me. I often find the pricing via UR to be much higher than what I get using senior discounts or corporate rates. For example, to test if anything had changed, I just priced the Hyatt Place @ BWI for a 1 night stay on 7/11 via UR and was quoted about $193/night. I booked the same stay I booked via the Hyatt website using the senior discount for a little less than $147 all-in. I love UR points, (got about 285K) but this only seems to work for me with auto rentals – and I don’t have any of those planned for July.

  4. @KahunnaTravel – The booking can be for any time, it just needs to be booked during July.

  5. @Ken – didn’t catch that. Thanks. But it still didn’t matter for any of the hotel stays I know I already have. Also I like to use the Sapphire Preferred card for car rentals because it gives primary insurance coverage and Freedom only gives secondary.

  6. Apologies if this has been discussed before, but why would booking a hotel through Chase UR be considered booking through a third party, but booking through the concierge with the Citi Visa Prestige card not be? E.g., I booked the PH Melbourne last April for the fourth night free, and got points toward status as well as applied a suite upgrade and got the fourth night refunded (point being, everything simply worked out as normal). Why could one not do this via Chase?


  7. Hi, to get the 10% cash back, does it have to be hotel plus car rental or just hotel purchase will be enough to get the 10%? I am planning to purchase only a hotel stay using my card but if won’t me give 10% i will book through expedia or etc.
    Thank you!!

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