You’ve got a steaming heap of Chase Ultimate Rewards Points sitting in your account. You know they’re great. You know you can use them in tons of different ways. But the options seem overwhelming. And you want to get as much value from them as possible. Ack.

Fear not. I’ve got three great, simple options for using your points to help you overcome the paradox of choice and start traveling.

Option 1: Stay at an Andaz for God’s sake

The Andaz is a concept hotel chain from Hyatt, and it’s excellent. I’ve stayed at the Andazes Maui, Wall Street, San Diego, and Tokyo and they all rank among my favorite hotels ever. They didn’t pay me to say this — I just love the cut of their jib.

You can transfer Chase Ultimate Rewards Points to the Hyatt at a 1:1 ratio and stay at their Category 6 hotels for 25,000 points a night, compared to the $350-$600 you might pay for them out of pocket (TL;DR it’s a good use of points).

Option 2: Fly to Hawaii from the West Coast

This one’s a bit counter-intuitive: You actually transfer points to British Airways and then book a flight on their partners — Alaska and American — between major West Coast cities (including Phoenix) and Hawaii. Each ticket runs 25,000 miles in economy.

These flights are usually pricey ($500-$800) and rarely on sale, so it’s also a good bang for the Ultimate Reward buck.

Option 3: Book flights directly through Chase

If transferring points and looking up award availability sounds like a pain (and it often is), make it easy on yourself and book flights through the Chase Travel Portal. Points earned from the Sapphire Preferred card are worth 1.25 cents apiece and points earned from the Sapphire Reserve are worth 1.5 cents apiece, which ain’t bad at all.

In fact, if you find a great flight deal (through MyTravelNerd of course), booking directly through Chase can be an excellent use of points. Plus it’s super simple — just plug your destination and dates into the travel portal and book it.

Nerd Note: Flights booked through the Chase Travel Portal way earn you frequent flyer miles and elite-qualifying miles (to get status). Awards tickets (like Option 2) do not.

That’s it — stop thinking about it and go book something with your trove of points already.

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