four Straightforward Methods I Earned 200,000 Chase Sapphire Reserve Factors in a Yr

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We’ve all heard of journey bank card geniuses who rack up a gazillion factors from churning bank cards for bonuses and conserving an in depth Excel spreadsheet of factors and miles. Let’s not neglect their envious tales of touring to unique locations at no cost.

chase sapphire reserve points

I’m no bank card genius so I by no means thought I might have certainly one of these tales to share, however one way or the other, I do! It’s positively not a gazillion miles, however 200,000 factors is essentially the most I’ve ever accrued. Right here’s one of the best half: it wasn’t that arduous.

How Did I Accumulate 200,000 Chase Sapphire Reserve Factors?

Two-hundred-thousand Chase Sapphire Reserve factors in a 12 months is rather a lot. I exploit Chase-branded bank cards, which is a part of their journey program, Final Rewards. The principle card I used was Chase Sapphire Reserve®, however I additionally produce other Chase-branded playing cards, which helped me rack up much more factors.

These Chase Sapphire Reserve factors got here in helpful after I wished to e-book a flight with out paying for staying at a nicer lodge.

Right here’s what I did to earn near 200,000 factors in a single 12 months.

1. I took benefit of some main bonus factors

Chase was working this loopy 100,000 bonus provide final 12 months for the Chase Sapphire Reserve®, which is their top-tier journey bank card. I used to be hesitant at first due to the $450 annual charge however determined to use as a result of I knew I might be touring rather a lot.

A 100,000 bonus is uncommon. For this provide, I used to be required to use inside a Chase department. The banker informed me it was their hottest bank card provide, ever.

Nonetheless, all good issues should come to an finish.

Regardless that the Chase Sapphire Reserve® 100,000 bonus provide is over, you may nonetheless earn 50,000 bonus factors after you spend $four,000 within the first three months. This card additionally provides 3X the factors on journey and eating from airfare and resorts and eating places.

2. I particularly spent in sure classes for extra factors

Chase Sapphire Reserve® earns 3X the factors at eating places and once you e-book flights and resorts on Final Rewards. So I used my card for eating out and reserving journey.

I even have a Chase Freedom bank card. Every quarter, I’d obtain e mail provides for numerous rotating classes for 5X the factors. For instance, one quarter, they provided 5X the factors on groceries. Consider there’s a cap, so you may solely spend as much as $1,500 per quarter.

Notice: In an effort to take part within the bonus classes provides, it’s important to “activate” it. Chase sends you an e mail, and also you activate it straight from the e-mail.

three. I shopped on the ChaseUltimate Rewards web site

Do you know Final Rewards has a procuring portal? It means they accomplice with numerous manufacturers, like Nike and Neiman Marcus so you may earn factors for procuring with them.

Each time I wanted to purchase birthday presents or purchase Christmas presents, I’d store by way of Final Rewards. There’s a helpful filter that means that you can see which manufacturers provide essentially the most factors.

For example, final 12 months on Mom’s Day, I purchased a bouquet of flowers from, which earned me 20X the factors! I additionally purchased a pair of mountaineering sneakers for 6X the factors.

four. I mixed factors with my different Chase playing cards

In addition to the Chase Sapphire Reserve, I’ve two different Chase bank cards:

On the finish of every quarter, I logged into Final Rewards to mix the entire factors to my Chase Sapphire Reserve. You’ll be able to select how a lot you wish to switch from every card.

For those who’re desirous about opening a Chase Freedom bank card, right here’s what it is best to know:

  • Earn $150 bonus after you spend $500 on purchases within the first three months of account opening
  • Earn 5% money again on as much as $1,500 in mixed purchases of their bonus classes every quarter
  • Earn 1% again on all different purchases
  • No annual charge

At present, Ink Enterprise Money provides new cardholders:

  • $500 Bonus money again after spending $three,000 on purchases within the first three months of account opening
  • Cashback rewards
  • No annual charge

Right here’s a fast reference for playing cards that take part in Final Rewards:

In addition they have accomplice playing cards that could be used with this system.

Go to for an entire listing.

Thanks, Chase Sapphire Reserve Factors

I received’t lie, it felt nice to lastly have the ability to use my Chase Sapphire Reserve factors freely for flights and resorts.

I’ve since used most of my 200,000 Chase Sapphire Reserve factors, however by way of most of those methods, the factors hold including up. I’m already at 80,000.

Claire Tak

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four Straightforward Methods I Earned 200,000 Chase Sapphire Reserve Factors in a Yr

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