Chase Ultimate Rewards

Financial Services78% confidence

Chase Ultimate Rewards is JPMorgan Chase’s proprietary credit card rewards program, where cardholders earn and redeem points for travel, cash back, gift cards, and other benefits.

New York, NY
chase.com
Owned by JPMorgan Chase & Co.

About Chase Ultimate Rewards

Chase Ultimate Rewards is the loyalty and rewards platform associated with many Chase credit cards issued by JPMorgan Chase. Cardholders earn points on eligible purchases, which can be redeemed for travel bookings, statement credits, gift cards, merchandise, or transferred to airline and hotel partners, depending on the specific card. Access and management typically occur via the Chase website or mobile app, often under labels like “Ultimate Rewards” or similar wording.

A descriptor such as “Ultimate R-Acct Xxxxxxxxxxx7560” is likely referring to activity related to a Chase Ultimate Rewards–linked account or an internal rewards/account adjustment associated with a particular card ending in the digits shown (masked for security). This may appear when redeeming points (for example, for travel or cash back), moving points between eligible Chase cards, or when Chase posts a rewards-related credit or adjustment to your account.

If you have questions about this charge or line item, the best approach is to log in to your Chase online banking or mobile app, review the transaction details for the card ending in the referenced digits, and check the Ultimate Rewards activity or statements. You can also call the customer service number on the back of your card or send a secure message through your Chase account to confirm what the transaction represents. Keeping copies of your recent redemption confirmations and statements will help Chase support quickly locate and explain the entry.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Chase Ultimate Rewards.

  1. Ultimate R-Acct Xxxxxxxxxxx7560

Frequently Asked Questions

What does the descriptor “Ultimate R-Acct Xxxxxxxxxxx7560” mean on my statement?

This descriptor typically refers to an activity tied to your Chase Ultimate Rewards account associated with a specific Chase credit card (the masked digits identify the card). It often appears for rewards redemptions, point transfers, or rewards-related adjustments rather than a traditional merchant purchase.

Is “Ultimate R-Acct” a separate merchant charging my card?

No. “Ultimate R-Acct” is not a standalone store or merchant; it’s an internal description used by Chase for activity related to your Ultimate Rewards account linked to your Chase credit card.

Could this Ultimate Rewards charge be related to a points redemption I recently made?

Yes. When you redeem points—such as for travel, cash back, or gift cards—Chase may post a corresponding accounting entry labeled with “Ultimate R-Acct” to reflect the redemption or credit on your account.

How can I verify what this Ultimate R-Acct transaction specifically refers to?

Log in to your Chase account online or in the mobile app, go to the activity for the card ending in the digits shown in the descriptor, and cross‑check the date and amount with your Ultimate Rewards activity or recent redemptions. If it’s still unclear, contact Chase using the number on the back of your card.

Can I dispute an Ultimate Rewards–related transaction if I don’t recognize it?

Yes. If you do not recognize the Ultimate R-Acct entry or cannot match it to a legitimate rewards redemption or adjustment, call Chase customer service or use the secure message center to request clarification and, if necessary, initiate a dispute or investigation.

Will canceling my Chase card stop future Ultimate Rewards entries like this?

If you close or product‑change the card associated with Ultimate Rewards, you generally stop earning and redeeming points on that specific card, which also stops new Ultimate R-Acct entries. However, you should confirm how closing or changing your card affects any remaining points by contacting Chase beforehand.

Why does the descriptor include masked digits like Xxxxxxxxxxx7560?

The masked digits represent the specific Chase card or rewards account involved while protecting your full card number. The last four digits usually match the card that generated the Ultimate Rewards activity.

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