Imagine cruising along the Pacific Ocean in a convertible. The sun shining on your face, the cool breeze blowing through your hair as the waves crashing softly into the white sand beach. Sounds great, right?
What if that rental car was free?
You can use Chase Ultimate Rewards points to pay for your rental car in Hawaii.
Pro-tip: You can also redeem points to rent cars throughout the world.
- How to Use Chase Ultimate Rewards Points for Rental Cars in Hawaii
- Cards That Earn Chase Ultimate Rewards Points
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve® Card
- Ink Business Preferred® Credit Card
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
- How to Book a Rental Car in Hawaii With the Chase Travel Portal
- Credit Cards that Provide Insurance for Rental Cars
How to Use Chase Ultimate Rewards Points for Rental Cars in Hawaii
Here’s how to use points for free rental cars.
Some point programs let you redeem your travel expenses as statement credits. While others like Chase Ultimate Rewards, let you pay for your car rental with points.
In this post, you’ll learn how to redeem Ultimate Rewards for rental cars in Hawaii and other cities.
This is the third post in the four-part series on how to use Chase Ultimate Rewards points for Hawaii.
It’s easy to rent a car using Chase Ultimate Rewards points. There are lots of ways to earn Ultimate Rewards points, so redeeming them for car rentals makes a lot of sense. Because you can save cash and book a rental car for points.
Cards That Earn Chase Ultimate Rewards Points
|Signup Bonus & Minimum Spending Requirements||Annual Fee||Value of Points Toward Travel||Why I Like This Card|
|Chase Freedom Flex℠||$200 after spending $500 on purchases in the first 3 months of opening your account.||$0||1 cent||The revolving quarterly bonus categories let you earn lots of cash back on regular spending.|
|Chase Freedom Unlimited®||3% cash back on up to $20,000 your first year, 6.5% cash back on travel booked through the Chase travel portal, and 4.5% cash back at drugstores and restaurants your first year||$0||1 cent||A no annual fee cash back card gives you freedom to redeem points as needed.|
|Chase Sapphire Preferred® Card||60,000 points after spending $4,000 on purchases in the first 3 months of opening your account.||$95||1.25 cents||This is a great first card if you're getting started in travel rewards. You can earn up to 5X points on travel and 3X points on dining.|
|Chase Sapphire Reserve® Card||60,000 points after spending $4,000 on purchases in the first 3 months of opening your account.||$550||1.5 cents||The $300 yearly travel credit, 10X points on hotels and car rentals booked through the portal (2X booked direct), 5X points on airfare, and 3X points on dining, plus the free airport lounge access is worth the high annual fee.|
|Ink Business Cash® Credit Card||$900 after spending $6,000 on purchases in the first 3 months of opening your account||$0||1 cent||A no fee cash back cards lets you put more money into your business.|
|Ink Business Unlimited® Credit Card||$900 after spending $6,000 on purchases in the first 3 months of opening your account||$0||1 cent||When using this card to book rental cars, you get primary insurance coverage|
|Ink Business Preferred® Credit Card||100,000 points after spending $15,000 on purchases in the first 3 months of opening your account||$95||1.25 cents||Great for businesses with travel expenses because you earn 3X points on travel|
The Chase Freedom Flex℠ offers a $200 signup bonus after spending $500 on purchases in the first three months.
You earn 5% bonus points on rotating categories each quarter, 5% cash back on travel booked through the Chase travel portal, 3% cash back at drugstores and restaurants, 1% cashback on all purchases, and no annual fee. You can transfer these points to cards like the Chase Sapphire Reserve® Card and Chase Sapphire Preferred® Card
With the Chase Freedom Unlimited®, you can earn 3% cash back on up to $20,000 your first year, 6.5% cash back on travel booked through the Chase travel portal, and 4.5% cash back at drugstores and restaurants your first year.
Then, you earn 5% cash back on travel booked through the Chase portal, 3% cash back at drugstores and restaurants, and unlimited 1.5% cash back on all purchases without an annual fee. Plus you can transfer points to cards like the Chase Sapphire Preferred and the Chase Sapphire Reserve
The Chase Sapphire Preferred® Card has a 60,000 point signup bonus when you spend $4,000 on purchases in the first three months.
You earn 5X points on travel when booked through the Chase portal (2 when booked direct), 3X points on dining, and 1 point on all other purchases. Chase Ultimate Rewards points transfer on a 1:1 basis to 13 participating partners like Hyatt, United, and Southwest. There are no foreign transaction fees on purchases outside the US.
The Chase Sapphire Reserve® Card card offers a 60,000 point signup bonus when you spend $4,000 on purchases in the first three months.
You get a $300 annual travel credit, 10X points on car rentals and hotels booked through the Chase portal (3X booked direct), 5X points on airfare, 3X points on dining, and 1 point on everything else. You also get free airport lounge access and can redeem points for 1.5 cents on travel purchases. You can transfer points on a 1:1 basis to 13 partners like Southwest and Hyatt. Plus there are no foreign transaction fees.
The Ink Business Preferred® Credit Card card offers a 100,000 point signup bonus when you spend $15,000 in purchases in the first 3 months. This equals $1,250 in travel when you use your points through the Chase Travel Portal.
You get 3X points on up to $150K on select categories and 1 point on all other purchases. Points are worth 1.5 cents towards travel. Or you can transfer to 13 participating partners like Hyatt and United.
With the Ink Business Unlimited® Credit Card, you can earn a $900 signup bonus when you spend $6,000 in purchases in the first 3 months.
The Ink Business Cash® Credit Card offers a signup bonus of $900 when you spend $6,000 in purchases in the first three months.
You get 5% cash back at office supply stores, internet, cable, and phone services, 2% cash back at restaurants and gas stations, and 1% cash back on all other purchases. You can transfer points to cards like the Chase Sapphire Reserve and Chase Sapphire Preferred
How to Book a Rental Car in Hawaii With the Chase Travel Portal
You can use your Chase Ultimate Rewards points to book a hotel in Hawaii through the Chase portal. Here’s how…
Step 1. Log In
Log in to your Chase account.
Choose your Chase card with the highest value when redeeming points. Click the “redeem” link under “Ultimate Rewards” on the right side of your screen.
Or click the blue “Ultimate Rewards” box and choose your Chase card with the highest point redemption value.
Step 2. Choose Travel or Redeem for Travel
Choose Travel from the top menu or “Redeem for travel” in the dashboard in the Ultimate Rewards portal.
Then click on the “Cars” link.
Step 3. Search for a Rental Car
Enter the pickup and drop off location, travel dates, and times.
Use the Advanced Options link if you have a preferred car type and/or rental car company.
Click the green “Search” box.
Step 4. Choose Your Rental Car
Chose your rental car from the options provided.
You can narrow the search by using the “filter cars by” feature on the left side of the screen. You can filter by car type, price, rental car company, and specifics like manual transmission, and air conditioning.
For faster sorting, click the “Price” link in the Sort by section to filter by lowest price.
Pro-tip: Be sure and compare rental car prices from other sites like Expedia and Costco.
Step 5. Pay With Points
Once you’ve selected your rental car you can pay with points, cash, or points plus cash. Both the cash rate and the points rate are shown.
When you check out, you choose how many points you want to redeem for your car rental.
There’s no minimum amount of points required. You can use 1 Chase Ultimate Rewards points to pay for your rental car.
Choose your payment option and confirm your rental car booking.
Pro-tip: When you use points to pay for your rental car in Hawaii, your credit card auto insurance policy usually won’t cover the rental.
Because you’re paying with points vs paying with cash. Your personal auto insurance policy will cover rentals in the United States.
If you rent outside the US and pay with your points, you’ll have to pay for the insurance coverage.
Credit Cards that Provide Insurance for Rental Cars
You can save a lot of money by declining the optional insurance on rental cars. But only do so if you have a personal auto insurance policy or have a credit card that provides insurance for car rentals.
Some credit cards offer collision damage waiver (CDW) insurance. This means they’ll reimburse you if you damage the rental.
But coverage can vary depending on the credit card.
Some cards offer primary coverage which pays for everything. While others offer secondary coverage which requires your personal auto insurance, homeowners or other insurance to pay first before the credit card company will pay.
These credit cards offer primary insurance on car rentals:
- Chase Sapphire Preferred
- Chase Sapphire Reserve
- JP Morgan Reserve
- Ritz-Carlton Visa Infinite
- United℠ Explorer Card
- The Platinum Card® from American Express – (up to $24.95 for primary coverage)
Pro-tip: Some countries prohibit credit card companies from providing primary coverage. Check with your credit card before your rental to make sure you have the right coverage.
These business credit cards also provide primary CDW insurance:
You have to pay for the rental with your business card and be on a business trip. Otherwise, you void the CDW policy
Redeeming points for car rentals is easy through the Chase Travel Portal. In less than 5 minutes you can book and pay for your rental car with Ultimate Rewards points.
You have the option to pay for your rental using all points, a combination of points and cash, or cash. There’s no minimum amount of points required. So you could use as few as 1 point!
Where have you used Chase Ultimate Rewards points for rental cars?
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