Cindy, I'm not familiar with how UR points work. Does Chase act like a travel agent and you have to go through them for any travel changes?
With the Chase Sapphire Reserve card, we build 3X points for our timeshare MF's, which is substantial. A $50,000 spend gets us 150,000 points. 150,000 points = 1.5 cents per point through the portal, $2,250 of value.
The flights cost the same going through the portal as through the airline directly. I check Google Flights for the best deals, and I book our flights through the portal. All of the airlines I see on Google are there, but not in the same order. I can narrow down the search to flight time, nonstop, etc.
I book our Hawaii first-class flights this way, and it builds points and miles in United, Alaska and Hawaiian. This is a bonus. When we use our UR points to book flights, we get credit from the airline as though we paid cash. Our miles are building quickly in those portals. I use the award miles occasionally, when I find a deal on a flight. For example, our return flight on 9/1/2025 from Maui, there is a 40,000 mile seat on Alaska/Hawaiin from OGG>LIH>OAK. I chose not to take that flight because of the stop, but it's there if I wanted it. We will use UR points to book our return to SFO. The Hyatt at SFO is our go-to, and I transfer UR points to Hyatt to book the hotel, usually only 30,000 points. It's a Grand Hyatt, we just take the airport train to get to it.
The portal used to be managed by Expedia, now it is managed by Chase, supposedly.
The points never expire. Chase was giving full point value on purchases at grocery stores during Covid. I could subtract a lot of points that way. I have a lot built up again. I should see if that option is still available.