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I’ve been saying for quite some time that there isn’t a solid loyalty program for Crypto, and it looks like Chase is taking the lead. Starting this fall, you’ll have 3 ways to integrate Chase and Coinbase as seen below. I think this is just the beginning, and ironically Chase has been very vocally against crypto, Bitcoin included, for quite some time. The stablecoin bill marked the beginning of a new era of banking and crypto. Two sectors that had been at war are now finding profitable and regulated ways to work together, and it’s only going to grow from here. Market structure act is coming soon as well which will only create more demand and thus more products of partnership.
The biggest gap I see is the inability to earn points on your crypto purchases. Several exchanges ( Gemini and Binance currently ) have products that earn you cashback in the form of crypto ( Coinbase is debuting an up to 4% Bitcoin back card with Amex later this year ), but nothing straight up earns points for trading. I don’t think you even need a credit card to make this happen, just something similar to a dining or shopping program that aligns your loyalty with an exchange and rewards you based on the dollars you trade or stake.
Beginning this fall, you’ll be able to use Chase credit cards to make purchases on Coinbase.
Beginning in 2026, you’ll be able to redeem Chase Ultimate Rewards Points for USDC. For the first time, points from a major credit card rewards program will be redeemable for crypto rewards. Chase customers will be able to convert their Chase Ultimate Rewards points to USDC on Base in Coinbase.
Beginning in 2026, you’ll be able to directly link your Chase account to Coinbase. Chase customers will be able to seamlessly link their bank accounts to Coinbase for another fast, easy way to buy crypto – in addition to all of our existing integrations.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Points Boost
- each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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