Managing your points won't take a PhD.
With Ultimate Rewards, you earn at least one point for every dollar you spend, whether you spend it on groceries or a trip around the world. No paperwork. Just make a purchase, and your points will be automatically added to your account.
Have more than one Chase card with Ultimate Rewards?
You can combine points across cards and get those big rewards even faster.
Your points never expire
As long as you're a cardmember in good standing, your points won't expire.
So save up for the rewards you really want, or just save a million.