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Does Chase Ultimate Rewards Have An App? (Unfortunately not)

Does Chase Ultimate Rewards Have An App? (Unfortunately not)

Chase has one of the most highly-regarded loyalty points systems in the form of its Ultimate Rewards program. You can easily earn points with high value simply by using your credit card wisely. But we all want convenience in everything we use, which begs the question: Does Chase Ultimate Rewards have an app?

Chase Ultimate Rewards doesn’t have an app of its own. Chase designed the system to work best on the Ultimate Rewards online dashboard through the Chase website. But you have some Ultimate Rewards functionality in the Chase Mobile app, which is available on iOS and Android.

It’s said that anything that doesn’t have an app might as well not exist, which is valid to some extent because of how app-driven our world has become. But not everything needs a unique app, and Chase Ultimate Rewards might be one of those. Let’s look at why there is no dedicated app for Chase Ultimate Rewards.

Does Chase Ultimate Rewards Have An App?

Chase Bank never released a unique, dedicated app for its Ultimate Rewards program. Though Chase never gave us a reason for this, we can draw a few conclusions.

Most companies that offer multiple services use one of two approaches: making a separate app for each service or the more inclusive option of integrating all services into one app. Chase chose to use the latter.

The Chase Ultimate Rewards program is incredible and offers exceptional value, but there are essentially only three things to do with it: earn rewards, check your points balance, and spend your points.

You don’t need an app to earn rewards, only an explanation of the different ways to do so. The only factors that may justify a dedicated app are checking your balance (much too small to justify an app) and spending your points (which links to third-party services’ websites and apps, anyway).

Consequently, it makes the most sense for Chase to integrate the Ultimate Rewards program with their other services rather than make a unique app.

How To Access Chase Ultimate Rewards Without An App

Chase made the Ultimate Rewards program available on the main Chase website and the Chase Mobile app, which you can find on Apple’s App Store and the Google Play Store.

How To Access Chase Ultimate Rewards Without An App
How To Access Chase Ultimate Rewards Without An App

You will get the most functionality from the Chase website, as is usually the case. Apps are usually made as smaller versions of websites offering only the most-used functions.

Chase Ultimate Rewards doesn’t have much functionality, so it’s up to you which one you prefer. Despite its power, the service is simple enough to work perfectly on both platforms.

Using The Chase Website

To access Chase Ultimate Rewards through the website (called the Ultimate Rewards Portal), follow these steps:

Using The Chase Website
Using The Chase Website
  1. Sign in to the Chase website with your personal login details.
  2. There will be an arrow near the top right of your screen, in the same place where it shows your available Ultimate Rewards points balance. Click on that arrow.
  3. The next screen will show your credit card details, a more detailed points balance, and some special deals or bonus opportunities that are available.
  4. At the top of the screen, you will see a button that says “Earn / Use.” Click on that button.
  5. This will open a menu with different choices, including options like your card benefits, ways to earn more points, and a list of vendors that you can spend your points with.
  6. Simply click on the option you want to use, and it will open the relevant link.

Using The Chase Mobile App

Using The Chase Mobile App
Using The Chase Mobile App

You can do the same things on the Chase Mobile app by following these instructions:

  1. Download and install the Chase Mobile app from the app store for your mobile phone: iOS or Android.
  2. Open the Chase Mobile app and sign in with your login details.
  3. Select the credit card account linked to your Chase Ultimate Rewards, or tap on the hamburger menu and select Ultimate Rewards from the list.
  4. You should see a screen that shows you your current points balance.
  5. Tap the button next to the balance that says “Earn / Use.” This will open a very similar screen to the menu on the Chase website.
  6. Select the item you want to use. One of them will tell you how to earn more points, while the others are different vendors where you can spend your points. 


There is no dedicated Chase Ultimate Rewards app, but it is such a straightforward service that it doesn’t justify having an app of its own.

You can get all the functionality you need by logging in to the Chase website or installing the Chase Mobile app on your phone. There’s no reason to install more apps than you have to if one app can do it all.