Don’t Know When To Use Which Ultimate Rewards Card? Here’s A Chart!

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Update, 06/14: I’ve added the United Club card to this chart. While the points earned on it are not Ultimate Rewards points, the most valuable Ultimate Rewards transfer partner is generally going to be United. Though bear in mind that Ultimate Rewards points also have the ability to be transferred to other places like BA, Korean, Southwest, Hyatt, and Amtrak, etc.

Originally posted on 02/08/12:

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Links to cards listed in this chart:

Chase Freedom Mastercard, 10K signup bonus for spending $500, No annual fee
Chase Chase Sapphire Preferred® Card® Card, 42.8K signup bonus after 7% annual points dividend for spending $3,000, Free for 1 year, then $95
Chase United Club, Full United club membership and numerous other sweet benefits, free for 1 year by sending a secure message, then $395.
Chase Ink Classic, 10K signup bonus for spending $1 plus 15K additional bonus points for spending $5K in 3 months. No annual fee.
Ink Business Cash® Credit Card, 10K signup bonus for spending $1 plus 15K additional bonus points for spending $5K in 3 months. No annual fee. (Ink Cash gives double points on dining instead of hotels like the other Ink cards)
Chase Ink Bold, 25K signup bonus for spending $1 plus 25K additional bonus points for spending $10K in 3 months. Free for 1 year, then $95.

-For spending outside of the US always stick to a card without foreign transaction fees, like Chase Sapphire Preferred® Card, United Club, or the new Ink Bold cards.
-The maximum spending for 5x point categories on Freedom is $1,500 per quarter.
-The maximum spending on 2x and 5x categories on Ink Classic or Ink Cash is $25,000 per category per year.
-The maximum spending on 2x and 5x categories on Ink Bold is $50,000 per category per year.
-If you spend greater than a threshold level on the old Ink Bold but don’t reach the next threshold the earnings rate will be in between the base number and the threshold number listed in the chart.
-Numbers are rounded to 1 decimal point.