# Chase lets cardholders invest reward points

> Chase's Ultimate Rewards program now lets customers convert points into cash for JPMorgan investment accounts.
- Title: Chase lets cardholders invest reward points · Pymnts
- Summary: Chase's Ultimate Rewards program now lets customers convert points into cash for JPMorgan investment accounts. Chase is making rewards more valuable by…
- Keywords: chase, jpmorgan, ultimate rewards, credit cards, investment, rewards program, self-directed investing, wealth management, chase freedom, chase sapphire, chase ink, business
- Source: Pymnts — https://pymnts.com/credit-cards/2026/chase-lets-cardholders-invest-reward-points-with-jpmorgan
- Author: PYMNTS
- Published: 2026-09-16T17:21:35+00:00
- Read time: 1 min
- Topics: chase, jpmorgan, ultimate rewards, credit cards, investment, rewards program, self-directed investing, wealth management, chase freedom, chase sapphire, chase ink, business
## Chase launches investment rewards option
Chase announced Invest Your Points on September 16, letting cardholders redeem Ultimate Rewards points for cash to invest through JPMorgan Wealth Management accounts.
## Two ways to invest your points
Cardholders can redeem points for cash to invest in a JPMorgan Self-Directed Investing account or work with an advisor for a taxable investment account.
## Personalized investing based on goals
After redeeming points for cash, customers pick investments based on their own financial goals and risk tolerance in one connected digital experience.

> Cardmembers already have a lot of ways to use Ultimate Rewards, from travel to cash back, and every new option makes the program even more valuable.
## Applies to multiple Chase card lines
The feature works with Chase Freedom, Chase Ink, and Chase Sapphire card portfolios. Cardholders still have traditional redemption options like travel, cash back, and gift cards.
## Rewards drive card switching decisions
Research shows 38% of consumers who switched credit cards did so for better rewards. Chase's move addresses a key pain point as 46% of switchers said their old issuer made no effort to retain them.

> Better rewards and higher credit limits draw cardholders away, and the issuers they're leaving rarely put up a good fight.
## Key takeaway

Chase is making rewards more valuable by letting cardholders invest their points directly through JPMorgan, addressing consumer demand for better rewards programs.