How to Use Chase Ultimate Rewards Points for Rental Cars

Rear view of smiling young woman enjoying scenery while her boyfriend sitting near on front seat of their convertible

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You can get free flights and hotels in Hawaii. You can also get free rental cars. Here’s how to use Chase Ultimate Rewards points for rental cars in Hawaii.

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?

Even better.

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

Rear view of smiling young woman enjoying scenery while her boyfriend sitting near on front seat of their convertible

You can get a free trip to Hawaii by using miles and points for airfare and hotels AND car rentals.

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 RequirementsAnnual FeeValue of Points Toward TravelWhy I Like This Card
Chase Freedom$150 after spending $500 on purchases in the first 3 months of opening your account. $01 centThe revolving quarterly bonus categories let you earn lots of cash back on regular spending.
Chase Freedom Unlimited$150 after spending $500 on purchases in the first 3 months of opening your account. $01 centA no annual fee cash back card gives you freedom to redeem points as needed.
Chase Sapphire Preferred60,000 points after spending $4,000 on purchases in the first 3 months of opening your account. $951.25 centsThis is a great first card if you're getting started in travel rewards.
Chase Sapphire Reserve50,000 points after spending $4,000 on purchases in the first 3 months of opening your account$5501.5 centsThe $300 yearly travel credit, 3X points on travel and dining, plus the free airport lounge access is worth the high annual fee.
Chase Ink Cash$500 after spending $3,000 on purchases in the first 3 months of opening your account$01 centA no fee cash back cards lets you put more money into your business.
Chase Ink Business Unlimited$500 after spending $3,000 on purchases in the first 3 months of opening your account$01 centWhen using this card to book rental cars, you get primary insurance coverage
Chase Ink Business Preferred100,000 points after spending $15,000 on purchases in the first 3 months of opening your account$951.25 centsGreat for businesses with travel expenses because you earn 3X points on travel

Chase Freedom

 

 

The Chase Freedom offers a $150 sign-up bonus, 5% bonus points on rotating categories each quarter, and no annual fee.  You can transfer these points to cards like the Chase Sapphire Reserve and Chase Sapphire Preferred

CLICK HERE TO LEARN MORE

Chase Freedom Unlimited

 

 

With the Chase Freedom Unlimited, you can earn 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

CLICK HERE TO LEARN MORE

Chase Sapphire Preferred

The Chase Sapphire Preferred has a 60,000 point signup bonus, 2X points on travel and dining, and 1 point on everything else. 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. 

CLICK HERE TO LEARN MORE

Chase Sapphire Reserve

 

The Chase Sapphire Reserve card offers a 50,000 point signup bonus, $300 annual travel credit, 3X points on travel and 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.

CLICK HERE TO LEARN MORE

Ink Business Preferred

The Ink Business Preferred card offers a 100,000 point signup bonus, 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.

CLICK HERE TO LEARN MORE

Ink Business Unlimited

With the Ink Business Unlimited, you can earn a $500 signup bonus, unlimited 1.5% cash back, transfer points to cards like the Chase Sapphire Preferred and the Chase Sapphire Reserve, all without an annual fee.

CLICK HERE TO LEARN MORE

Ink Cash

The Ink Cash offers a signup bonus of $500, 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

CLICK HERE TO LEARN MORE

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:

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

Conclusion

You can get a free Hawaii vacation using miles and points for flights, hotels, and car rentals. You can use Chase Ultimate Rewards points for rental cars in Hawaii and other cities. 

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.

There are lots of ways to earn points. But the fastest way is from a signup bonus on cards like the Chase Sapphire Preferred, Chase Sapphire Reserve, and Chase Ink Business Preferred.

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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Chase Sapphire Preferred

The Chase Sapphire Preferred is the best card for beginning travel hackers. It is the first card you should get to start traveling for free because the welcome offer is 60,000 points (after spending $4,000 in the first three months).
 
My favorite perks about this card are earning 2X points on travel and dining, no foreign transaction fees, and transferring points to 13 airline and hotel partners like Hyatt, United, and Southwest.
 

Debra Schroeder

Debra is a former 12-year travel industry executive and has traveled the world using airline miles and credit card points since 1994. She'll teach you the secrets of traveling well for less.

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41 Comments

  • The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
  • Scott March 11, 2019 at 11:53 am

    This is good information to have. I really try to capitalize on all of the advantages I can like this.

  • Amber Myers March 11, 2019 at 11:55 am

    I’ll have to try this out! I love using my rewards and it would be neat to use them on a rental car to help with all the costs.

    • Debra Schroeder March 11, 2019 at 5:04 pm

      Hi Amber Myers,

      Yes, please do. It’s easy and the money you save can go towards other things.

  • Tara March 11, 2019 at 12:06 pm

    I may need to get a new credit card as these have nice bonuses. I love being rewarded for spending money.

  • What Corinne Did March 11, 2019 at 12:12 pm

    That’s actually so great to know! I am moving to the US soon and was thinking of opening a bank account with chase!

  • Sarah Bailey March 11, 2019 at 1:50 pm

    There is nothing quite like earning rewards just spending what you would normally. These sound like some great schemes, to help you spend them on some little luxuries.

    • Debra Schroeder March 11, 2019 at 5:06 pm

      Hi Sarah Bailey,

      They definitely make travel cheaper and easier.

  • Terri March 11, 2019 at 6:20 pm

    We love the benefits of earning miles and points for travel. We have several cards we have used for points. People just need to be cautious about being able to pay it off to avoid the interest rates.

    • Debra Schroeder March 12, 2019 at 10:05 am

      Hi Terri,

      Yes! Aren’t travel rewards cards the best! You can get so many free trips! The best way to use these cards is to pay them off each month otherwise it’s not worth it.

  • Nabanita Dhar March 11, 2019 at 9:36 pm

    This is good to know. One of my friends is planning a trip there will forward her your article to see if it helps her.

  • LiveLoveAndAdventure March 11, 2019 at 10:21 pm

    Thanks for sharing this info. I don’t have a card that gives points for travel and always forget to sign up for one This is great information and will save me from a lot of research!

    • Debra Schroeder March 12, 2019 at 10:14 am

      Hi LiveLoveAndAdventure,

      Glad you enjoyed the post. When you’re ready for a travel rewards card, check out the best offers here.

  • Hannah Marie March 12, 2019 at 12:41 am

    Honestly, this is going to help me a lot. Sometimes we get to be outrageous when going out. All are fantastic tips.

  • Cristina March 12, 2019 at 2:37 am

    This card is really perfect for traveling and having advantages! To have and to try!

  • Alvern @ Success Unscrambled March 12, 2019 at 3:50 am

    This sounds like great options and awesome ways to use the rewards from your credit cards. I do remember using the rewards from my Avios points to purchase food on board a flight as well which is great.

    • Debra Schroeder March 12, 2019 at 10:17 am

      Hi Alvern,

      So glad you enjoyed the post and that you’ve used points in the past.

  • Shubh March 12, 2019 at 4:01 am

    Oh Wow ! Something like this exists and I was not even aware of it. Actually, I could not even think about it. This is gonna be helpful for many travelers on my list.

  • Alexandra Cook March 12, 2019 at 12:15 pm

    I love renting cars when I travel. It is so easy and really affordable too!

    • Debra Schroeder March 20, 2019 at 2:07 pm

      Hi Alexandra,

      Rental cars are even cheaper (think free) when you can use travel rewards points.

  • Nerdy Millennial March 12, 2019 at 1:31 pm

    This is great information because I am entering a time in my life where I will be making monthly road trips to see my kids while I go to graduate school. I need something that will earn me points on hotels and possibly gas. Do you have any suggestions for my specific needs?

    • Debra Schroeder March 20, 2019 at 2:06 pm

      Hi Nerdy Millennial,

      For people starting out, the Chase Sapphire Preferred is a great card. You earn 2x points on travel which includes stays at hotels. Let me know if you need more suggestions.

  • Chelle Dizon March 12, 2019 at 11:23 pm

    Wow that is a very smart idea that we can try. I will definitely share to my good friends who loves to travel a lot.

  • Aishwarya March 13, 2019 at 1:29 am

    That’s some real good info. I don’t think we have such systems in India. Thanks for all the details!

    • Debra Schroeder March 20, 2019 at 2:03 pm

      Hi Aishwarya,

      I think there may be some great travel rewards cards in India, I’m just not familiar with them.

  • Bindu Thomas March 13, 2019 at 3:21 am

    Very informative post and great to know. This is really helpful while planning for a trip. Thanks for sharing.

  • Dalene Ekirapa March 13, 2019 at 7:44 am

    I’m a fan of such loyalty programs. Currently, I’m using my loyalty card hoping to get a free international trip come December as a reward.

    • Debra Schroeder March 20, 2019 at 2:01 pm

      Hi Dalene,

      That’s awesome! Hope you have a great trip.

  • Alisha March 13, 2019 at 9:16 am

    I didn’t start credit card hacking until this year and because of it, I was able to fly at a discounted rate. Chase is the best one I have heard but I am currently using Amex gold.

    • Debra Schroeder March 20, 2019 at 2:00 pm

      Hi Alisha,

      Credit card rewards are awesome! They’re on the best ways to travel more for less. 🙂

  • Gavin March 20, 2019 at 9:19 pm

    That’s the one thing (other than amazon prime) that I miss about living in the states. We used to use our AMEX and Delta all the time to travel on the cheap. Sadly OZ ain’t as good with rewards as America is

    • Debra Schroeder March 21, 2019 at 12:30 pm

      Hi Gavin,

      True, we have more travel rewards cards in the US. I think OZ has been adding more cards, there are even a few Australian miles and points blogs.

  • Nish March 20, 2019 at 10:43 pm

    Getting reward points is the best. I use AMEX, and have enjoyed some great benefits using the card.

  • craig June 22, 2019 at 8:09 pm

    seems to be a problem though with chase ultimate rewards with renting cars I have check places like sydney australia, melbourne, and aruba and there is no ability to rent cars with your points find it no problem with Expedia but when using ultimate rewards nothing is found even called in they couldn’t find anything either and they didn’t know why is there a reason for this that you know of?

    • Debra Schroeder October 12, 2019 at 11:32 am

      Hi Craig,

      I haven’t tried renting a car with points in Sydney or Melbourne. Public transportation is great in both cities and they are very walkable so I didn’t rent cars in either one.

      Just looked and you’re right, I couldn’t find a rental car through the portal in Sydney, Melbourne, or Aruba. But I was able to find rental cars using Chase Ultimate Rewards points in several other cities like London, Rome, Madrid, and Helsinki. Looks like they aren’t available in some countries.

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