Believe it or not, it's always been possible to use Chase points to buy Apple products – at least with the points you earn from cards like Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. But it hasn't been a great deal: Those points are typically worth 1.2 cents each when buying Apple gear through the Chase portal, regardless of which credit card you hold.
But through Nov. 30, your Chase Ultimate Rewards points will be worth up to 50% more when redeeming towards Apple products through the Chase Ultimate Rewards portal. That could make these points a great way to get some Apple gear heading into the holidays.
With the Chase Sapphire Preferred Card or even the Ink Business Preferred Card, you can redeem points for 1.25 cents each to buy Airpods, iPhones, Apple Watches, a Macbook, or other Apple accessories. With the Chase Sapphire Reserve Card, you get 1.5 cents per point toward those Apple purchases.
Even Chase's no-annual-fee Freedom cards get a bonus – though it's a small one. If you hold one of the Chase Freedom Cards or even the Ink Business Cash or Unlimited Cards, your points will be worth 10% more towards Apple products: They will be worth 1.1 cents each through the end of November.
We see this limited-time offer once or twice a year or so, allowing you to get the same value you get using those Chase points to book travel – or using the Chase Pay Yourself Back feature to book Airbnbs. And it's just another way to get some extra value out of your Chase points.
How to Use Chase Points to Buy Apple Products
If you have a card that earns Chase Ultimate Rewards points like the Chase Sapphire Preferred Card, the Chase Sapphire Reserve, the Ink Business Preferred Credit Card, or the Chase Ink Business Unlimited or Cash cards, you can simply log in to your account on the Ultimate Rewards home page.
From here, on the top navigation bar, you will see Apple listed as one of the options.
That will bring you to a marketplace where you can use your Chase points to pay for Apple products at an increased rate. Since I hold the Chase Sapphire Reserve, my points are worth 50% more through Nov. 30.
Take, for example, the new Apple AirTags, one of the best travel accessories on the market. These normally retail for $99 for a four-pack. Since I hold the Chase Sapphire Reserve, I could buy these AirTags for just 6,600 points.
With the Chase Sapphire Preferred, they would cost 7,920 points since the points would redeem at 1.25 cents each.
Of course, you will also be able to find Mac computers, iPads, iPhones, the Apple Watch, Apple TV, and tons of Apple product accessories available for this promotion through Nov. 30.
Our Analysis
This can be a great deal – especially if you are in the market for any Apple products. Since Chase points are now worth 25% to 50% more, depending on what card you hold, you aren't losing much value by using them to buy a some AirTags or a pair of Airpods – or any value at all.
You're getting the same bang for your buck as if you used Chase points to book travel through the Chase Ultimate Rewards portal or using the new Pay Yourself Back feature.
While it's certainly possible to squeeze more out of these points by transferring them to an airline or hotel partner, this is still a strong option if you're in the market for some Apple gear.
Bottom Line
This new offer to use Chase points to purchase Apple products for up to 50% more is valid through Nov. 30. That's worth taking advantage of if you've got some Chase points and have some Apple gear on your wishlist.
I loved your articles, unfortunately too late to purchase Apple Mac laptop with my points as it looks like it expired 11/30/2021. Question: Do you know when Apple might do this again where you get 50% more points toward Apple purchase?
Thanks again for your informative articles.
Hey Michael. They typically do these promos a few times a year
Can you clarify your statement “ You’re getting the same bang for your buck as if you used Chase points to book travel through the Chase Ultimate Rewards portal or using the new Pay Yourself Back feature”. Are you saying if I buy an iPhone thru Apple then use payback via points we would still be credited 1.25 pt value?
Yes they will be worth 1.25 cents each but you must purchase through the Chase portal. You can’t purchase directly at Apple and then use points later.
It sounds nice at first. However, the option for RAM size and SSD storage of a MacBook Air (which I was planning to purchase) is VERY VERY limited. When you shop through Chase Ultimate Rewards, you can get only 8GB RAM memory and 512GB SSD storage. As a coder with frequent travel, this limitation is a huge pitfall to ignore this offer and buy the product directly from an Apple Store
This is spot on.