This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

Europe is filled with delicious food, interesting tourist attractions, and diverse cultures. When considering flying internationally, it’s easy to believe that such a trip would be a major budget buster. When you incorporate travel rewards into your planning, destinations like Europe suddenly become very affordable. We’ll show you have to get to Europe with Chase Ultimate Rewards Points – specifically 100,000 points.

Photo by Elina Sazonova from Pexels

How do you earn 100,000 Ultimate Rewards points?

Before you can spend 100,000 Ultimate Rewards points, you’ll need to earn them.

New Chase Sapphire Preferred® Card cardholders can earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1250 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!

Also, enjoy new Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.

How to get to Europe with Chase Ultimate Rewards Points

Now that we have our 100,000 Ultimate Rewards points, what are the best options to get to Europe? Chase Ultimate Rewards are incredibly flexible, so there are multiple options to choose from.

Redeem Points For Cash

Technically, you can redeem your Ultimate Rewards points for cash, then use that cash to pay for a flight. If you have a Chase Sapphire Reserve®, Chase Sapphire Preferred, or a Chase Ink Business credit card, redeeming for cash means that you’re missing out on 25-50% additional value of your Ultimate Rewards points when purchasing travel.

Which brings us to a better alternative…

Use The Ultimate Rewards Portal to Purchase Travel

One of the great benefits of the Sapphire and Ink cards is that your Ultimate Rewards are worth more when you redeem them to purchase travel through the Chase Ultimate Rewards portal.

The Sapphire Preferred and Ink points are worth 25% more, while the Sapphire Reserve points are worth 50% more.

For example, instead of a $500 ticket requiring 50,000 Ultimate Rewards points, cardholders of the Sapphire Preferred or Ink would only be charged 40,000 points (50,000 / 1.25) while Sapphire Reserve cardholders would only be charged 33,333 points (50,000 / 1.50).

I performed a sample search from New York to Paris in September 2018 and found tickets for $507.31 round-trip. Instead of paying cash, this flight would only require 40,584 points per person, leaving you around 19,000 points to pay for excursions, part of your hotel stay, or a future flight.

You can also fly from New York to London for less than 100,000 Ultimate Rewards points. This $554.88 ticket would only be 44,390 points per person leaving you with over 10,000 Ultimate Rewards points for your next trip.

One of the major benefits of booking flights through the Chase Ultimate Rewards portal is that the airline treats the ticket just like you paid for it with cash. This means that you’ll earn miles for the ticket and you can designate which program to have those miles post just like a paid-with-cash ticket. It’s a fantastic option to get to Europe with Chase Ultimate Rewards Points.

Transfer to Airline Partners

Beyond using your Chase Ultimate Rewards points as a substitute for cash, you can also transfer your points to one of 9 airline transfer partners. Here are the airline transfer partners you can choose from:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Air France KLM Flying Blue
  • Iberia Plus
  • Korean Air SkyPass
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club

However, in reality, you’ll only be able to select from 8 of the 9 transfer partners to get to Europe because Southwest Airlines’ flight options are limited to the Western Hemisphere.

United Airlines

We’ll start with United Airlines since it is a US-based carrier that most people are familiar with. You can fly to Europe for as little as 30,000 miles each way (or 60,000 round trip) per person when using Saver award availability. Unfortunately, that means that you’ll need to fly solo or earn some additional Ultimate Rewards if you want to bring someone along with you.

Air France KLM Flying Blue

When familiar airline programs don’t work as well as you’d hope, it pays to explore options that you may not have heard of before.

With Flying Blue, you can fly from the US to Europe for around 25,000 miles each way. This means that your 100,000 Ultimate Rewards can get both you and a companion to Europe.

I performed a sample search from New York to Paris and found a flight for as few as 45,500 miles with taxes & fuel surcharges of $206.53 per person.

Korean Air SkyPass

Korean Air SkyPass allows you to fly round trip to Europe for 50,000 miles per person. However, they charge even more taxes & fees than Flying Blue. The cash portion of this flight would be $424.43. Although the 100,000 Ultimate Rewards points can get you two award tickets to Europe, the cash charged by Korean Air doesn’t make this a good deal.

Business Class Flights

With the combination of taxes and fees that many airlines charge on award tickets and how competition has brought down cash prices for flights, you are often better off purchasing Economy tickets using points through the Chase Ultimate Rewards portal than transferring the points to an airline so you can redeem miles for the flight.

When you are looking for premium cabin service, that is where airline miles offer tremendous value compared to paying cash. For a few more miles you can fly in a premium cabin without paying a lot of extra fees.

If you’re limited in your miles, consider flying one-way in Economy and the other in Business Class. For example, you can fly one-way in Business Class on United for 70,000 miles so you can sleep in a lay-flat seat during the overnight. Then spend 30,000 miles for an Economy ticket for the return flight. This itinerary from New York to Paris would be 100,000 Chase Ultimate Rewards and $105.31 in taxes and fees. Paying cash for a flight like this would easily cost $2,000 or more.

Bottom Line On Getting to Europe with Chase Ultimate Rewards Points

There are many options available to you when you earn Chase Ultimate Rewards. Redeeming for cash at 1 penny per point is almost always the worst option. Instead, choose one of the best credit cards for travel miles or one of the best rewards credit cards. Depending on your destination and the flight options, you may be better off using the Chase Ultimate Rewards portal to book an Economy ticket than redeeming airline miles because of the taxes and fees that some airline programs charge.

When you are trying to figure out how to get to Europe with Chase Ultimate Rewards points (100,000 exactly), take your time to evaluate your options, then pick the one that works best for you.


Chase Sapphire Preferred® Card

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Leave a Reply

Required fields are marked *