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Chase Ultimate Rewards Transfer Partners and How To Use Them [2024]

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Table of Contents

Chase airline transfer partners, chase hotel transfer partners, earning ultimate rewards, how to transfer ultimate rewards, booking travel with the chase travel portal, other ways to use your points, combining ultimate rewards from different accounts, redeeming ultimate rewards, final thoughts.

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Key Takeaways

• Chase Ultimate Rewards points transfer to 11 airline and 3 hotel partners, offering a 1:1 transfer ratio for maximum value.
• Popular airline partners include United MileagePlus, Southwest Rapid Rewards, and British Airways Executive Club, each offering unique redemption opportunities.
• Transferring points to partners is generally quick, with most partners processing transfers instantly or within a day or 2.

Chase Ultimate Rewards points are perhaps the most valuable points out there. Thanks to their flexibility and transfer options, we regularly give Chase Ultimate Rewards one of the best valuations in our monthly valuations . There are plenty of great ways to earn Ultimate Rewards points and even more fun ways to redeem them for award flights and hotel stays.

In this post, we’ll show you all of Chase’s transfer partners, how to transfer Ultimate Rewards to these partners, and much more. After reading our guide, you’ll be ready to book an amazing getaway!

The Chase Ultimate Rewards program currently has 11 airline transfer partners — the latest program, Air Canada Aeroplan, was added in August 2021.

Points transfer to all these airlines at a 1:1 ratio, which is one of the reasons Ultimate Rewards points are so valuable.

Aer Lingus AerClub

Major Hub: Dublin (DUB)

Airline Alliance: None, but has airline partners

Aer Lingus is a part of the International Airlines Group (IAG), which also includes British Airways, Iberia, and Qatar Airlines, so you’ve got some flexibility when it comes to how you redeem your Aer Lingus AerClub Avios . That said, its award chart isn’t quite as valuable as many of the other Chase Ultimate Rewards transfer partners.

However, it does offer a couple of solid sweet spots for those looking to travel to The Emerald Isle. On off-peak dates, you can book a one-way ticket from the U.S. East Coast to Dublin for 13,000 Avios in economy or 50,000 Avios in business class.

Air Canada Aeroplan

Major Hubs: Calgary (YYC), Montréal (YUL), Toronto (YYZ), and Vancouver (YVR)

Airline Alliance: Star Alliance

Air Canada Aeroplan is easily one of the best Chase transfer partners for premium cabin award tickets thanks to its lucrative partner award chart .

For instance, you could fly one-way in business class to South America or most European destinations for 60,000 points. If you prefer to fly to Asia in business class, that would be 85,000 points so long as the distance covered is less than 11,000 miles.

Further, Aeroplan can be exceptional for award bookings because of its low taxes and fees on many partner tickets, and you can add a stopover on any itinerary for just 5,000 more points.

Air France-KLM Flying Blue

Major Hubs: Paris (CDG), Amsterdam (AMS)

Airline Alliance: SkyTeam

Another excellent option for economy and business class tickets between the U.S. and Europe is the Flying Blue program . Redemption rates are already quite reasonable, with solid award availability as well. You can often find one-way economy tickets to Europe for as low as 22,500 miles and one-way business class tickets for 56,500 miles.

While those rates are decent on their own, the Flying Blue program offers Promo Rewards each month that can drop the award ticket price for select routes by 25% to 50%, allowing you to get stellar value out of Flying Blue miles.

British Airways Executive Club

Major Hubs: London Heathrow (LHR), London Gatwick (LGW)

Airline Alliance: Oneworld

British Airways Executive Club gets a lot of flack in the points in miles community due to the large fuel surcharges for both economy and business class tickets between the U.S. and Europe. However, British Airways Avios can be incredibly useful for short-haul tickets that can often be relatively expensive.

For instance, U.S. domestic nonstop flights under 1,150 miles on American Airlines and Alaska Airlines cost just 9,000 Avios in each direction, along with low taxes of just $5.60. This can take you between destinations like New York and Miami, Chicago and Houston, or Seattle and Los Angeles.

Emirates Skywards

Major Hub: Dubai (DXB)

While Emirates Skywards offers some of the most sought-after award redemptions for business and first class on its signature A380, and more recently its game-changer first class on the 777 , the airline has also gone through a recent string of devaluations that have made this award more expensive through higher fuel surcharges .

Fortunately, one great sweet spot remains that allows you to fly Emirates’ fifth freedom routes between the U.S. and Athens or Milan, for 85,000 miles in first class one-way, or an incredible 90,000 miles round-trip in business class, with significantly lower taxes and fees.

Iberia Plus

Major Hub: Madrid (MAD)

Another entry into the Avios family is Iberia Plus . Unsurprisingly, its award program has a decent amount of overlap with the others, but its award pricing between the U.S. and Spain presents an incredibly sweet spot for award travelers.

It’s common to see many U.S. carriers charge 30,000 points to fly between the U.S. and Europe in economy class, but Iberia charges just 34,000 Avios to fly between the U.S. and Madrid in business class on off-peak dates — one of the cheapest ways to get across the pond in business class.

JetBlue TrueBlue

Major Hubs: New York (JFK), Boston (BOS)

JetBlue is a low-cost U.S. carrier that is known for its great inflight product both in economy and its Mint business class seats.

However, since its TrueBlue loyalty program ties award redemptions to the cash cost of the ticket, you’ll usually receive just 1.1 cents per point towards Mint redemptions , and 1.3 to 1.4 cents per point on economy tickets.

This can be a better deal than booking through the Chase Travel portal for Chase Sapphire Preferred cardholders with a 1.25 cent per point redemption rate, but a poor choice for Chase Sapphire Reserve cardholders with a 1.5 cent per point redemption rate. That said, you can often get much more value out of your Chase Ultimate Rewards points using other transfer partners.

Singapore Airlines KrisFlyer

Major Hub: Singapore (SIN)

While you might overlook Singapore Airlines KrisFlyer as an option for domestic travel, as a Star Alliance partner it offers great award pricing on domestic United flights, including 17,500 miles for flights between the U.S. mainland and Hawaii, and 27,500 miles for flights between the U.S. and Europe.

Singapore miles are also your only option if you want to book a highly sought-after ticket in Singapore Suites class between the U.S. and Singapore or its fifth freedom route between the U.S. and Frankfurt.

Southwest Rapid Rewards

Major Hubs: Atlanta (ATL), Baltimore (BWI), Chicago (MDW), Dallas (DAL), Denver (DEN), Houston (HOU), Las Vegas (LAS), Los Angeles (LAX), Oakland (OAK), Orlando (MCO), Phoenix (PHX)

Airline Alliance: None

Southwest is the world’s largest low-cost carrier with an award program in Rapid Rewards that’s similar to JetBlue in that it operates on fixed value redemptions, allowing you to usually get between 1.3 to 1.4 cents per point on your redemption that is tied to the cash cost of the ticket.

Since you can often get much more value out of your Chase Ultimate Rewards points than this, we generally advise against transferring to Southwest. However, one sweet spot is for those who have the Southwest Companion Pass , as your redemption value doubles on tickets where your companion flies with you for free.

United MileagePlus

Major Hubs: Chicago (ORD), Denver (DEN), Houston (IAH), Los Angeles (LAX), Newark (EWR), San Francisco (SFO), Washington DC (IAD)

In addition to being one of the most well-known Chase transfer partners for U.S. flyers, United MileagePlus also benefits from being able to book award travel on fellow Star Alliance airlines with low taxes and fees. In terms of booking tickets on its own metal, now that United has moved to dynamic pricing, getting outsized value using its currency isn’t quite as easy as it once was.

However, it does offer the incredibly valuable United Excursionist Perk , which allows you to tack on a free one-way flight on round-trip bookings for no added miles, so long as the flight is within the same region. For example, you could fly from the U.S. to Istanbul, Istanbul to London, and London back to the U.S., and your Istanbul to London leg (a 4-hour flight covering 1,500 miles) costs no added miles.

Virgin Atlantic Flying Club

Major Hub: London Heathrow (LHR), Manchester (MAN)

The second largest carrier based out of the U.K., Virgin Atlantic doesn’t participate in an airline alliance but offers several great partnerships that award travelers can take advantage of.

One of which is booking Delta One business class awards between the U.S. and Europe for just 50,000 miles one-way, which is far less than what Delta would charge using its own miles to book these awards. You can also book ANA first class awards between the U.S. and Japan for as low as 55,000 miles one-way.

Ultimate Rewards can also be transferred to 3 hotel rewards programs. Like Chase’s airline partners, all transfers to hotel partners occur at a 1:1 ratio.

IHG One Rewards

Headquarters: Denham, England

Number of Properties: ~6,000

The IHG One Rewards program recently went through a revamp, but as a dynamically-priced program, it seldom makes sense to transfer your Chase Ultimate Rewards points.

For instance, we value IHG One Rewards points at 0.5 cents per point, so any redemptions above that level are generally considered to be a good value. Given that, it wouldn’t make sense to transfer Chase Ultimate Rewards points, which are worth a minimum of 1.25 cents per point through the Chase Travel portal, to a program where getting half of that value would be considered a good deal.

Marriott Bonvoy

Headquarters: Bethesda, Maryland

Number of Properties: ~8,500

As with IHG, we seldom advise against transferring your hard-earned Chase Ultimate Rewards points to Marriott Bonvoy where nights at top-tier hotels can cost upwards of 85,000 to 100,000 points per night. Not only is it fairly easy to get more value out of other Chase partners, but you’ll also find that you’d likely be better off booking a Marriott hotel through the Chase Travel portal than transferring to Marriott directly.

World of Hyatt

Headquarters: Chicago, Illinois

Number of Properties: ~1,200

If you thought Hyatt would be similar to the other 2 hotel programs, think again. The World of Hyatt program is one of the best Chase Ultimate Rewards transfer partners and a darling in the points of miles community thanks to the value its award chart offers.

While the program recently went through a devaluation with the addition of peak pricing, even the most expensive award nights in the portfolio don’t exceed 45,000 points per night. This means you can book free nights at top-tier Hyatt hotels for roughly half of what programs like Marriott and Hilton often charge for similar hotels.

Hot Tip: Use our transfer partner tool to see how many points you’ll get when you transfer your Chase Ultimate Rewards to partner airlines and hotels!

With several Chase card options available, there are ample opportunities to earn Ultimate Rewards points  that can help you book your next trip.

Recommended Chase Cards (Personal)

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 3% foreign transaction fee
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees:  3% of each transaction in U.S. dollars

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee
• 3% foreign transaction fees in U.S. dollars
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex ® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

Business owner? See our list of the best Chase business credit cards .

Chase Shopping Portal

You can also shop through the Shop through Chase portal to earn extra Ultimate Rewards points when making purchases online. This is an easy way to boost your earnings on purchases you would make anyway.

Once you have some Ultimate Rewards points and are ready to transfer them to a partner to book your next big vacation, here are the simple steps to make the transfer process easy.

Step 1: After logging into the Ultimate Rewards site , select the appropriate card. If you want to transfer points, you will need to select a premium Ultimate Rewards card with an annual fee — these include the Chase Sapphire Reserve card , Chase Sapphire Preferred card , and the Ink Business Preferred ® Credit Card . You can combine Ultimate Rewards points under your chosen card from others that don’t have annual fees.

Step 2:  Select Transfer to Travel Partners under the Earn / Use drop-down menu.

Step 3:  Choose your desired airline and select Transfer Points .

You can also select from Chase’s hotel partners using the same steps.

Step 4:  If you haven’t already added your frequent flyer number or hotel rewards number, you will be prompted to do so.

Step 5:  Once you have linked your airline or hotel account to your Ultimate Rewards account, choose how many points you would like to transfer. Transfers must be done in increments of 1,000.

Step 6: Confirm the number of points you’re transferring and complete to transfer.

Step 7:  Head over to the appropriate airline or hotel program’s website to book your award flight or award stay.

Sometimes, making your flight or hotel booking through the Chase travel portal can make a lot of sense. With the Chase travel portal, the points needed for specific redemption are tied to the cash cost. So, if a flight or hotel stay is relatively inexpensive, to the point where the point cost ends up being less than going through a transfer partner, then the Chase travel portal is a perfect option.

If you have the Chase Sapphire Reserve card, each Ultimate Rewards point is worth 1.5 cents when booking through the portal. If you have a Chase Sapphire Preferred card or Ink Business Preferred card, each point is worth 1.25 cents when booking with the Chase travel portal.

Similar to the transfer process, you simply select Travel under the Earn / Use Points drop-down menu.

Check out an example of a travel portal booking below:

This round-trip economy class booking with Star Alliance airline United from San Francisco (SFO) to Honolulu (HNL) costs as few as 7,900 Ultimate Rewards points.

Should You Transfer to a Partner or Book Through Chase?

Let’s think about the booking discussed above. If you were to book this same itinerary by transferring the points to Chase partner United Airlines, it would cost 12,500 miles. In this case, booking through the portal would be a much better deal.

Bottom Line: To ensure you get the most out of your points, it’s important to check both the portal and transfer options when searching for flights.

The Chase travel portal allows you to book hotels at the same 1.5 cents per point for cardholders of the Chase Sapphire Reserve card or 1.25 cents per point with the Chase Sapphire Preferred card or Ink Business Preferred card.

You can also redeem your points for gift cards to merchants including Airbnb , Lowe’s, Home Depot , and Amazon . Additionally, you can redeem your points for statement credits. Unfortunately, these options are a very poor use of points in terms of value, and we do not recommend them!

Combining Ultimate Rewards from your different Chase accounts is a simple process. In the menu bar, you will see the points you have earned on your selected card. If you hover over the points available, you will see a drop-down menu of your cards and the available points from each.

Select Combine Points to consolidate your points under a single card. If you have the Chase Sapphire Reserve card, keep your Ultimate Rewards points there since they’ll be worth a minimum of 1.5 cents each.

Hot Tip: You can also combine points with 1 other household member . This is a great way to pool points with your significant other for a great redemption. 

Using your Ultimate Rewards points for travel is the best way to get the most value out of them. With multiple transfer partners and countless ways to redeem points for travel, it can be overwhelming!

We’ve compiled multiple lists of the best ways to use your Chase Ultimate Rewards for some incredible travel experiences. See below:

• The Best Ways To Use Ultimate Rewards Points
• The Best Ways To Use 10,000 (Or Fewer) Chase Ultimate Rewards Points
• The Best Ways To Use 100,000 Ultimate Rewards Points

The Chase Ultimate Rewards program should be a staple in your points-earning strategy. If you are just starting your miles and points journey, we recommend earning Ultimate Rewards initially. Check out our Beginner’s Guide to get started on the right track.

Chase Ultimate Rewards points are easy to earn, easy to redeem, and can get you excellent value when you use them properly. Before you know it, you’ll be taking a trip of a lifetime … and then doing it again!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

• Chase Transfer Partners
• How to Earn Ultimate Rewards
• Airline Transfer Partners
• Hotel Transfer Partners
• How to Transfer Ultimate Rewards

Chase Ultimate Rewards Transfer Partners 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.

• Chase Ultimate Rewards® partners with 11 airlines and 3 hotel loyalty programs.
• Transferring points to travel partners is the best way to maximize the value of your Chase rewards.
• Several Chase credit cards earn Chase Ultimate Rewards, including the popular Chase Sapphire Preferred® Card.

When you use a Chase credit card , you're paying for purchases in dollars, but all your spending helps you rack up another kind of currency: Chase Ultimate Rewards® points.

Chase Ultimate Rewards points are some of the most valuable credit card rewards you can earn. Chase Ultimate Rewards are transferable points , which means you can move them over to various airline and hotel partner programs to book travel, in addition to the option of booking through Chase Travel℠  or using points toward eligible everyday purchases through Pay Yourself Back .

Maximizing Chase points requires knowing when and with whom you should redeem them. While you can use Chase Ultimate Rewards points to make purchases and pay for travel directly through Chase Travel℠, it's possible to significantly increase their value by transferring them to one of Chase's travel partners.

Chase Transfer Partners: The Basics

Chase has 14 travel transfer partners: 11 airline frequent flyer programs and three hotel programs.

Chase lets you transfer points at a 1:1 ratio in 1,000-point increments, and those transfers typically happen instantly (that's important for making sure you can grab an award flight or an award stay before it's gone). There are a few exceptions, though, and we've noted those in our breakdown of each partner below.

The value of those points can vary widely depending on where you want to go in the world and when you plan to travel. So, the best approach with Chase Ultimate Rewards is to be meticulous. Comparing all your options on departure/arrival dates and resort locations can help you figure out how to harness the most power from each of your points.

Also, be sure to keep a close eye on your email for alerts from Chase or these travel companies about exclusive offers, such as transfer bonuses, that can get you cheaper redemptions on flights and hotel stays.

How to Earn Chase Ultimate Rewards Points

You'll need to earn Chase Ultimate Rewards points before you can enjoy transferring them for award travel. Doing that requires having one or more of the best Chase credit cards in your wallet:

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Earn 60,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

21.24% - 26.24% Variable

Earn 120,000 bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
• con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase TravelSM
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Travel℠. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.

0% intro APR on purchases and balance transfers for the first 15 months

20.49% - 29.24% Variable

Earn $200 cash bonus

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous bonus cash-back categories
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great welcome bonus
• con icon Two crossed lines that form an 'X'. Booking through Chase Travel℠ can restrict outside earning potential
• con icon Two crossed lines that form an 'X'. Varying percentages and rotating calendar categories require extra attention
• con icon Two crossed lines that form an 'X'. 3% foreign transaction fees

The Chase Chase Freedom Flex® is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.

Earn 5% cash back on travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Earn an additional 1.5% cash back on everything you buy

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid flat cash-back rate
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
• con icon Two crossed lines that form an 'X'. Some other cards offer a higher rate of cash back on certain types of purchases

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Once you start using any of these Chase cards, be sure to browse bonus offers via online shopping portals to maximize your rewards . There are many ways to rack up even more reward points with hundreds of online retailers, and it's a simple way to make every purchase more rewarding.

Also note that you can use Chase's no-annual-fee cards, including the Chase Freedom Unlimited® and the Chase Freedom Flex® , to turbo-charge your stash of Chase Ultimate Rewards. That's because as long as you have a "premium" Chase card — like the  Chase Sapphire Reserve®   or Ink Business Preferred® Credit Card — you can move over the rewards you earn from a cash-back Freedom or Ink card to redeem them with transfer partners or simply get more value toward Pay Yourself Back and Chase Ultimate Rewards Travel redemptions.

Chase Ultimate Rewards Airline Transfer Partners

Aer lingus aerclub.

If you're looking to travel to Ireland, Aer Lingus is one of the most convenient places to start your search, and as a Chase transfer partner, it can also be a very valuable way to fly.

The airline's award chart divides travel by zone and peak/off-peak redemptions. Even the most expensive zone (Zone 6, which includes travel between Dublin and Los Angeles, Miami, Orlando, San Francisco, and Seattle) includes one-way tickets for as low as 16,250 Avios.

You can also use Avios to upgrade to business class. The upgrade fee varies between peak and off-peak travel. The good news: Two-thirds of the year is considered off-peak, according to AerClub's 2024 calendar .

Air Canada Aeroplan

Air Canada's Aeroplan loyalty program is Chase's newest airline transfer partner, and it's a great option even if you don't fly Air Canada. Because the airline is part of the Star Alliance, you can redeem Aeroplan points for flights on over 45 alliance and non-alliance partners, including United, Lufthansa, and Etihad.

Award flights in North America start at just 6,000 points, and there are numerous sweet spots for international partner flights as well. You can check  Air Canada's Points Predictor Tool for an estimate of how much specific awards cost.

Air France-KLM Flying Blue 

Flying from Los Angeles to Paris takes nearly 11 hours, so a Chase Ultimate Rewards transfer can be especially appealing here. A seat in business class for that journey starts at 67,500 miles. The only thing better than drinking champagne in France is drinking champagne on the way to France in the front of the bus.

And while France may be in the name, there are plenty of other redemption options available via Flying Blue, thanks to partnerships with KLM, Aircalin, GOL, Japan Airlines, Kenya Airways, and SkyTeam.

British Airways Executive Club

Sticking with Avios points, let's look at an example of reward travel with British Airways Executive Club . BA is part of the Oneworld alliance, and that alliance — which includes 14 airlines that serve more than 170 countries and territories — can be key to making the most of transferring your points.

If you redeem Avios for British Airways flights, it's hard to get outsized value, due to BA's insanely high fuel surcharges and fees that are tacked on to the points cost. However, there are some sweet spots if you redeem for partner award flights — including flights from the US East Coast to Ireland and the Caribbean, or the US West Coast to Hawaii.

Iberia Plus

Not one, not two, but three different programs allow you to turn your Chase Ultimate Rewards points into Avios points.

Unfortunately, Iberia's award chart is dominated by "peak" times on the calendar (forget finding a good deal from June through mid-September), but if you're up for a trip in February, March, October, or November, you may be able to find a good way to redeem those points.

Emirates Skywards

Emirates award flights come in three varieties: Saver, Flex, and Flex Plus. The Saver option is, naturally, the lowest cost in terms of points and the best way to maximize the value of your Chase Ultimate Rewards points.

Emirates may be best known for flying to the United Arab Emirates, but transferring your Chase points to miles will let you explore reward options with 15 of its airline partners. For example, you can use 70,000 miles for a round-trip economy ticket between South Korea and the US on Korean Air or 120,000 miles for a one-way ticket in business class on Qantas from Sydney, Australia to Los Angeles.

JetBlue TrueBlue

Even if you only have a few TrueBlue points, you could be able to put them good to use. For example, you can score a one-way ticket from Boston to Fort Lauderdale for just 3,800 points. The ticket is $61, so you're getting 1.6 cents per point.

JetBlue also has a partnership with Hawaiian Airlines, but you'll need to call 800-538-2583 to inquire about availability (which is limited). If you're looking for an island vacation, though, it could be worth picking up the phone. One-way economy seats from the West Coast are just 22,000 points.

Singapore Airlines KrisFlyer

The Singapore Airlines KrisFlyer award chart is fairly straightforward and breaks down travel to/from destinations in 13 zones.

On top of those divisions, there are two types of KrisFlyer award tickets: Advantage and Saver. The only "advantage" to Advantage tickets is that you'll find them more frequently. They cost more. You're better off trying to find a Saver option, which starts at 7,500 miles. And if you can somehow stumble into a first-class seat from the East Coast to Singapore for 132,000 miles, do it. That is the definition of high-flying luxury.

Timing alert: It's important to note that transfers for KrisFlyer take longer to process, typically two business days. So you'll need to plan further in advance if this is a transfer that fits your travel needs.

Southwest Airlines Rapid Rewards

Southwest's reward redemption valuations don't take nearly as much research as other airlines. Instead of thinking about peak and off-peak travel dates and zones, you'll simply look at how much the fare costs in dollars and you'll have a good idea of a comparable cost in Southwest points .

The values are linked. For example, a flight from Chicago to Los Angeles that costs $112 requires 7,566 points, and that same flight one week later runs $313 or 23,556 points. The lower cost has a slightly higher value of 1.4 cents per point. Nothing amazing, but also nothing too complicated.

United MileagePlus

To get a sense of some of the cheap miles redemptions you can score on United , the airline regularly spotlights award flight deals on its website. For example, 5,000 miles for a ticket from Newark to Orlando, and 22,500 miles for a ticket from Chicago to Honolulu are both enticing offers right now (these change periodically).

You can dig deeper than those highlighted deals (after all, they're spotlighting them because they want to fill the seats) to find more competitive offers, too. Think outside the US borders — United is part of the Star Alliance, which includes 26 airlines that fly all over the world.

Virgin Atlantic Flying Club

You can find some incredible deals with Virgin Atlantic Flying Club points. Even though Virgin Atlantic isn't part of an airline alliance right now, it partners with a number of airlines including Delta, ANA, and Hawaiian Airlines.

Award flights on Virgin Atlantic to the UK and beyond can be a good deal, but keep in mind Virgin Atlantic adds high taxes and fees to its own flights. 

Chase Ultimate Rewards Hotel Transfer Partners

Ihg one rewards.

From a Holiday Inn Express to a boutique experience at Kimpton Hotel, IHG has loads of properties where you can enjoy an evening without paying any actual cash. However, IHG's points redemption values here aren't anything to write home about.

Sure, it would be great to spend a night at the InterContinental Bangkok or InterContinental Bali, but my searches reveal that redemption rates at IHG properties rarely exceed the 1-cent mark. In that case, you're better off booking a room directly through the Chase Travel℠ .

Marriott Bonvoy

No matter where you go, you'll probably find a Marriott property. With 30 brands that range from the high-end world of Ritz-Carlton and St. Regis to limited-service, budget-friendly options like Fairfield Inn and TownePlace Suites, Marriott Bonvoy points can book you a room in a wide range of accommodations.

The catch: It's hard to find a redemption that increases the value of your Chase Ultimate Rewards points. Marriott Bonvoy's award pricing is now dynamic, and I rarely find options that increase the value of Marriott points. There are exceptions, though, proving that you should always do your research. 

Timing alert: Bonvoy transfers typically process by the next business day, not immediately.

World of Hyatt

If you're looking to make the most of your Chase Ultimate Rewards points for a hotel stay, I recommend starting with the World of Hyatt program . In addition to affordable, 5,000-point redemption rates at limited-service properties like Hyatt Place and Hyatt House, this loyalty program has loads of luxurious properties where you can cash in your points for a more meaningful redemption.

Consider some of these examples for a getaway: a queen room at the Andaz San Diego (15,000 points per night versus $313 per night), a villa at the Park Hyatt Maldives Hadahaa (30,000 points per night versus $1,045 per night), and a standard king the Park Hyatt Beaver Creek, Colorado (30,000 points per night versus $1,900 per night).

How to Transfer Chase Ultimate Rewards Points

Once you've found a great redemption through a Chase Ultimate Rewards airline or hotel partner, your next step is to transfer your points from Chase to the loyalty program where you want to make a booking.

To get started, log into your Chase account and navigate to the Chase Ultimate Rewards page. Click "Earn/Use," and you'll see various options, including "Transfer to Travel Partners." Click this, then you'll be presented with a list of Chase's 14 transfer partners.

Click "Transfer Points" next to the transfer partner you're eyeing, and you'll be prompted to enter your airline or hotel loyalty program info. If you don't have an account yet, don't worry — it's free to sign up, so you'll just have to do that before initiating the transfer.

Once you have your Chase account and your frequent-flyer or hotel loyalty program account connected, you can initiate the transfer, and in most cases, the transaction will go through immediately.

Chase Ultimate Rewards Transfer Partner Frequently Asked Questions

Chase has a diverse range of transfer partners in its Chase Ultimate Rewards program. These partners include leading airlines and hotel loyalty programs such as United Airlines, Southwest Airlines, British Airways, Hyatt, Marriott, and more. By transferring your Chase Ultimate Rewards points to these partners, you can access a variety of travel options, from flights to hotel stays, unlocking greater value and flexibility in your rewards.

Chase Ultimate Rewards points can be transferred to several airline partners, and among them is United Airlines, a member of the Star Alliance network. By transferring your Chase Ultimate Rewards points to United Airlines MileagePlus, you can access the extensive Star Alliance network and redeem your points for flights with various member airlines, expanding your travel options and benefits.

Chase Ultimate Rewards points can be transferred to several hotel loyalty programs, including popular options like Hyatt, Marriott Bonvoy, and IHG Rewards Club. This allows you to use your points for hotel stays at a wide range of properties within these programs, offering flexibility and value when planning your accommodations during your travels.

To transfer Chase Ultimate Rewards points to partner loyalty programs, log in to your Chase account, select 'Transfer to Travel Partners,' choose the partner program, enter your account details, and confirm the transfer. Be aware of transfer times and ratios for each partner. Your points will then be available for redemption within the selected loyalty program.

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A Guide To Getting The Most Out Of Chase Ultimate Rewards With Travel Partners

Knowing how to take advantage of Chase airline and hotel partners can help you stretch your Ultimate Rewards further.

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

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Chase Ultimate Rewards is one of the most popular credit card rewards programs — and for good reason.

The program offers several redemption options, and with some credit cards , you can squeeze more value out of your points when you redeem them for travel or transfer them to Chase airline partners or hotel partners.

Transferring your points to travel partners gives cardholders the most potential value, but maximizing rewards value this way isn’t always straightforward. Here are some of the best travel credit cards that earn Ultimate Rewards points and what you need to know about them.

• Chase Sapphire Preferred
• Chase Sapphire Reserve
• Ink Business Preferred

Chase airline partners

Chase hotel partners, how to transfer chase ultimate rewards to an airline or hotel partner, are there transfer “rules” i should know, faqs about chase transfer partners, what’s the benefit of using transfer partners over earning points and miles directly.

There are 11 Chase airline partners, each of which allows transfers at a 1:1 ratio in 1,000-point increments.

The value you gain from transferring points can vary based on where you move your points to and how you redeem them from there.

On average, most airlines offer a value of 1.2 to 1.5 cents per point. However, you can potentially get more value with the right booking strategy. For example, some travelers have reported getting business class tickets on Singapore Airlines for less than 100,000 points, a fare that might otherwise cost thousands of dollars.

It’s also important to consider other aspects, including award availability and blackout dates. Some airlines, for instance, limit how many award tickets they offer on a single flight. So if enough people have already booked a flight with points or miles, you’ll have to change up your itinerary. Others will have blackout dates on which there’s no availability for award tickets.

Southwest Airlines and JetBlue are two airlines that don’t have blackout dates at all. Searching for award availability, however, can be trickier. While some airlines allow you to search through your frequent flyer account with them, others may require you to check through a travel partner or alliance site to get the best look.

How to know if you’re getting the best value

Ultimately, the best redemption is the one that works best for you. While booking a business class ticket may give you a better value than flying economy to New York City, it’s not helpful if you’re planning a trip to the Big Apple and don’t have a desire to visit Southeast Asia.

That said, if you can use more than one transfer partner to get where you want to go, take some time to research the various options. Head to each website and find out how many points or miles it’ll take to book a flight, then pick the option that will save you the most points.

This process can take time, but it can save you a lot over the long run. There are also free resources that can help you learn about maximizing your points, like our group, FBZ Elite Travel & Points . 

Chase has three hotel transfer partners, all of which allow you to transfer points at a 1:1 ratio in 1,000-point increments.

As with the Chase airline partners, redemption value can vary based on when and how you book your hotel stay with these partners.

On average, though, World of Hyatt points are potentially worth double or even triple the value you can get with Marriott Bonvoy and IHG Rewards Club points. But accessibility is another challenge. Hyatt, for instance, has roughly 850 properties worldwide, while IHG and Marriott have approximately 5,600 and 7,000 properties, respectively.

All three hotel brands advertise no blackout dates, but the policies may not apply to certain properties or bookings.

Again, the most important thing is that you get a redemption that works for your travel plans. If your destination has all three hotel brands, you’ll get more average value by booking with Hyatt over the other two. However, if there are only IHG and Marriott hotels in and around the city, redemption value can depend.

As with airline redemptions, take some time to check out different redemption options. Run through some dummy bookings with hotels in the area to see which one you can get with the fewest number of points.

As you do, be aware of the location of the hotels you’re comparing. One hotel may be the cheapest, but it may be so far out of the city that you need to use a rental car or ridesharing service to get around. As such, it’s important to balance cost and convenience to get the right fit.

If you’re looking to maximize the value of your Chase Ultimate Rewards through a partner, the process is relatively simple. Start by logging into your Chase Ultimate Rewards account, then choose the card with the points you want to transfer. Alternatively, you can reach your rewards account through your online banking account.

Once you’re in the right rewards account, hover over “Use points” in the menu and click on “Transfer to Travel Partners.” This will open a new page listing all of the program’s transfer partners.

Click on the program you want to transfer to and, if you haven’t already, add your loyalty information. Then enter the number of points you want to transfer — in increments of 1,000 — and submit your request.

Chase Ultimate Rewards has a few terms and conditions to know about before you submit your transfer request.

First, you can only transfer points to a loyalty account owned by you or an authorized user who lives in your household. Also, some transfers may incur a fee, but Chase will notify you of the fee before you submit your request.

Finally, all point transfers are final. So once the rewards have been moved, Chase won’t process any cancellations or refunds.

What airlines do Chase points transfer to?

If you have an eligible card and you’re looking to transfer your Chase points at a 1:1 ratio, there are 10 participating airlines:

• Virgin Atlantic

Is Delta a Chase transfer partner? Do Chase points transfer to American Airlines?

Delta is not a Chase transfer partner. However, SkyTeam member Air France/KLM is a partner, so you can transfer your Chase points to the Flying Blue program and use them to book other SkyTeam Alliance flights .

Similarly, if you’re looking to transfer points to American Airlines, you need to do it through British Airways. You can transfer your Chase points to the Avios program, and then use them to book American Airlines flights.

Alternatively, it’s also possible to book your flights through the Chase Ultimate Rewards portal if you’d like to book directly with Delta or American, though this may offer a lower value for your points depending on your card and the flights you book.

Can I transfer Chase Ink points to Chase Sapphire?

Yes, you can. Log into your Ultimate Rewards account and select the correct accounts to transfer points between. Be sure your credit cards are all associated with the same account so you can transfer your rewards.

How do I use my Chase points for flights?

Either book through Chase Ultimate Rewards using your points, or transfer your points to your airline’s rewards program and then book your flights as normal through the airline’s site.

Can I transfer my Chase points to someone else?

Yes, Chase allows you to pool Ultimate Rewards points with one member of your household. So if you and your partner both have a card that uses the rewards program, you can transfer points back and forth to take advantage of your combined earning power.

You can also transfer points between your own Ultimate Rewards-earning cards. So if you have the Chase Freedom Unlimited and the Chase Sapphire Reserve , you can transfer points earned with the Chase Freedom Unlimited to the Chase Sapphire Reserve to gain access to better redemption options. Add the Chase Freedom Flex to this duo and you have the Chase trifecta , a smart strategy for maximizing your Chase earning and redemptions. 

How many Chase points do you need for a flight?

The number of Chase points you need for a flight depends on the airline, the cabin you choose, and where you’re traveling. In general, you need anywhere between 5,000 and 260,000, based on whether you’re in economy or first class, flying domestically or internationally.

Transferring Chase Ultimate Rewards points isn’t the only way to rack up rewards with the program’s transfer partners. Marriott, JetBlue, United, and several other programs have co-branded credit cards, like the Chase United Explorer Card , that allow you to earn points and miles directly.

While those Chase credit cards often provide added features like elite hotel status, free anniversary nights, priority boarding, or free checked bags, putting all of your eggs in one basket rewards-wise can be challenging and come back to bite you.

Specifically, airlines and hotel chains sometimes make changes to their loyalty programs that devalue their rewards points or miles. If you have a card that earns rewards directly with a devalued program, the worth of your rewards balance instantly depreciates.

If, however, you have Ultimate Rewards points, you have the flexibility to transfer your points to another program that hasn’t been devalued recently, or you can use your points to book travel directly through Chase.

Great for Flexible Travel Rewards

Chase sapphire preferred ® card.

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Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

• Generous welcome offer valued at $750 when redeemed via Chase Travel
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in annual statement credits for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance
• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
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Chase Ultimate Rewards Points Transfer Partners

Chase Ultimate Rewards transfer partners offer a great way to maximize the value of your points from Chase.

Doug Milnes, CFA

Head of Credit Cards at MoneyGeek

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets. Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

Lee Huffman

Credit Card and Personal Finance Expert

Lee Huffman is a credit card and personal finance expert at MoneyGeek. He has spent 18 years as a financial planner and corporate finance manager, with 12 years of experience writing about early retirement, credit cards, travel, insurance and other personal finance topics. His writings are published on The Points Guy, Investopedia and NerdWallet. Huffman earned his business management degree from Pepperdine University and his master's degree in eBusiness from the University of Phoenix. He enjoys showing people how to travel more, spend less and live better through the power of travel rewards.

Updated: August 20, 2024

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Chase's travel rewards program, known as Chase Ultimate Rewards, allows cardholders to accumulate points on their spending. A standout attribute of this initiative is the ability to leverage these points with Chase transfer partners, which include a range of airline and hotel loyalty programs. With Chase travel partners, points can be transferred at a 1:1 ratio, all without any transfer fees. This method frequently offers a greater return on value compared to directly redeeming them through the Chase travel portal.

A few of the 14 travel partners you may transfer your Ultimate Rewards points to include British Airways Executive Club, Emirates Skywards, Virgin Atlantic Flying Club and Marriott Bonvoy.

To take advantage of these transfer opportunities, you typically need to have one of Chase's premium Ultimate Rewards cards. Some no-annual-fee cards earn Ultimate Rewards points, but you can't directly transfer those points to partners unless you also have one of the premium cards. If you do have both, you can combine your points onto the premium card and then transfer to partners.

• Chase lets you transfer your points to 14 airline and hotel rewards programs.
• You can transfer your points to Chase’s travel partners at a 1:1 ratio.
• You can transfer your points using the Chase website or app.

Which Chase Cards Allow Transfer Partners?

Chase credit cards associated with the Ultimate Rewards program allow you to leverage Chase transfer partners by converting your points to the bank's travel partners. While these cards carry annual fees, they offer significant value, especially for frequent travelers.

To maximize your earning potential and if you're comfortable managing multiple cards, you may want to consider setting up a Chase trifecta . This strategy involves holding three Chase cards that offer higher reward rates based on different spending categories. Additionally, with the flexibility Chase provides, you can incorporate a cash back card into your portfolio. This is because Chase enables you to merge your cash back with points from other eligible Chase cards, further enhancing the benefits of having multiple travel partners.

While Chase markets some of its products as cash back cards, they're essentially part of the Ultimate Rewards program and earn reward points. Only, they offer fewer redemption options. You may move your reward points between different Chase cards you have for free. You may then transfer the points to any of the Ultimate Rewards transfer partners.

By transferring your points from one Chase card to another, you also have the ability to increase their value. For instance, while the value of one point you earn by using either of the Chase Freedom cards is 1 cent, transferring your points from these cards to the Sapphire Reserve card ups their value to around 1.5 cents per point when booking travel or using the Pay Yourself Back feature.

Who Are Chase’s Travel Partners?

While Chase allows you to make travel bookings through its Ultimate Rewards platform, you may get better value if you transfer them to a Chase Ultimate Rewards partner. Whether you transfer your points to an airline or a hotel partner, you get a 1:1 ratio. This means 1,000 Ultimate Reward points convert to 1,000 airline miles or hotel points.

Cardholders can choose from 11 airline frequent flyer programs and three hotel reward programs. Transferring is relatively easy through the Ultimate Rewards platform.

Chase Ultimate Rewards faces stiff competition from reward programs of other card issuers such as Capital One, Amex and Citi. But it manages to hold its own by ensuring its points are of good value and giving cardholders considerable freedom in how they use their points. Providing significant spend-based welcome bonuses through some of its cards also benefits them.

Chase’s Airline Partners

Chase’s airline partners include local as well as international airlines. Some of these are also part of popular airline alliances. That gives you the ability to use your points with even more airlines.

Other Airline Partners

• Aer Lingus AerClub. Transferring your points to AerClub might work well if you travel to Ireland. Its award chart categorizes travel based on peak or off-peak redemptions and zones.
• Air Canada Aeroplan . If your travels take you to Canada, Air Canada's Aeroplan might be the way to go. Even if Canada is not on your travel itinerary, you might benefit from it being a part of the Star Alliance.
• Emirates Skywards . Emirates is ideal if you wish to travel to the United Arab Emirates. In addition, while this program is not a part of any alliance, it is partnered with most airlines serving different countries.
• Air France-KLM Flying Blue. Flying Blue offers up to 50% off on reward tickets across specific routes. It is Chase's only airline partner from the SkyTeam alliance, which has 19 other member airlines.
• Iberia Plus. Spain-based Iberia consistently offers affordable economy fares for transatlantic flights. It is part of the Oneworld alliance.
• JetBlue TrueBlue . This low-cost American airline also has a presence in Latin America and the Caribbean. In addition, it partners with over nine other airlines.
• Singapore Airlines KrisFlyer . KrisFlyer award tickets come in the form of Advantage and Saver. While the former's cost more, they are easier to come across. Singapore Airlines is a member of the Star Alliance.
• Virgin Atlantic Flying Club . Virgin Atlantic's reward flights from the U.S. to Europe can turn out to be good deals, but you need to account for the high fees and taxes you might need to pay. It partners with over 20 other airlines.

Chase Hotel Partners

Transferring your Chase reward points to a hotel partner might work well for you if you prefer to use any of the brands over others.

Before transferring points to an airline or hotel partner, make sure that there is award space available. Once you transfer points to a partner, you cannot unwind the transfer. — Lee Huffman , credit card expert at BaldThoughts.com

What Is the Benefit of Transferring Points With Chase Travel Partners?

The value of your Ultimate Rewards points depends on the card you use and how you choose to redeem them. If you wish to get cash back, each point is valued at one cent. If you use your points to make travel bookings through the Ultimate Rewards platform, their worth typically varies from one cent to 1.5 cents per point. The benefit of transferring points to Chase travel partners is that you get even more value for your points. However, this is not necessarily always the case.

How to Use Chase Ultimate Rewards With Transfer Partners

Using your Chase Ultimate Rewards points with its transfer partners requires that you transfer them to the partner in question first. For example, if you wish to use your Ultimate Rewards points with the British Airways Executive Club, you'll need to get online and carry out a points transfer first.

Remember that your points' value doesn't always increase when you transfer them to a travel partner. Sometimes, you might get better value by using your points through the Ultimate Rewards platform instead of an airline or hotel rewards program. For example, if you have a Sapphire Reserve Card and wish to fly with JetBlue, you may get better value for your points through the Ultimate Rewards platform than through the JetBlue TrueBlue program.

It's also important to note that the value of your points may vary based on the routes, dates and class you wish to fly. Once you decide to transfer your Ultimate Reward points to a Chase travel partner, you need to follow a relatively straightforward process.

Log in to the Chase Ultimate Rewards platform.

Select the card you wish to transfer your points from., go to the earn/use drop-down menu and select transfer to travel partners., select the airline or hotel travel partner you wish to transfer your points to., enter your frequent flyer or hotel rewards membership number to link both accounts if you haven’t already., enter the number of points you wish to transfer (you may do so in increments of 1,000)., review the details of the transfer and confirm your request..

Now that you know how to transfer Chase reward points to its travel partners, determine if doing so might be in your best interest. If you wish to get a new Chase credit card to increase your reward-earning potential, pay attention to reward rates, welcome bonuses and annual fees. You should also learn how to make the most of your points before redeeming them.

Frequently Asked Questions

Understanding the answers to other commonly asked questions about Chase rewards transfer partners will help you determine how best to use your points.

Yes, Chase allows you to combine points with one member of your household, provided they also have an eligible Chase card.

Before closing a card, we recommend either using your points or transferring them to another eligible Chase card you own. Closing without doing so may result in a loss of the accumulated points.

You can redeem your points to book for friends or family. However, the specific airline or hotel partner's terms may have certain requirements or restrictions.

Transfers to Chase transfer partners are typically irreversible. Always double-check all details before finalizing.

No, transferred points usually do not count toward elite status qualification. They are primarily for redemptions.

No, after points are transferred out of Chase Ultimate Rewards to Chase rewards partners, you cannot bring them back.

Blackout dates are set by the specific airline or hotel you transfer points to, not Chase.

Once you transfer points from Chase to a partner program, they abide by that program's terms. Any devaluation affects transferred points accordingly.

Transferring Chase Ultimate Rewards points to partners is usually free. But, when redeeming (e.g., for a flight), you might incur taxes, fees or surcharges.

Yes, you can transfer points from one Chase card to another, provided both cards are eligible under the Ultimate Rewards program.

Always check Chase's official documentation or customer service for the most current and accurate information.

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About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

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The Travel Sisters

List of chase ultimate rewards transfer partners (2023).

by The Travel Sisters | Mar 2, 2023 | Credit Cards , Ultimate Rewards | 5 comments

Chase Ultimate Rewards Transfer Partners

Transfers are at a 1:1 ratio (meaning 1,000 Ultimate Rewards points transfer to 1,000 miles/points) unless there is a transfer bonus.

Chase Ultimate Rewards Airline Partners

• AerClub, loyalty programme of Aer Lingus
• Air Canada Aeroplan
• British Airways Executive Club
• Emirates Skywards
• Flying Blue AIR FRANCE KLM -LIMITED TIME OFFER: Get 25% Bonus Flying Blue Miles when you transfer points through 11:59PM EST on May 15, 2023
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club

Chase Ultimate Rewards Hotel Partners

• IHG® One Rewards
• World of Hyatt
• Marriott Bonvoy -LIMITED TIME OFFER: Get 50% Bonus Marriott Bonvoy® points when you transfer points through 11:59PM EST on May 15, 2023

The Ultimate Rewards partners I personally find to be most valuable are United and Hyatt. Singapore Airlines KrisFlyer, Flying Blue,  Emirates Skywards and Virgin Atlantic Flying Club are also transfer partners of other points currencies ( Amex Membership Rewards and Citi Thank You points ) so I prefer to use one of those other currencies instead of Ultimate Rewards points which I find most valuable.

How Fast Do Chase Ultimate Rewards Transfers Take

Most point transfers process instantly except for Singapore Airlines KrisFlyer and Marriott Bonvoy.

If you click on the name of the travel loyalty partner or downward arrow, the box will expand and you will see a description of the program, partner airlines and expected transfer time.

According to Chase, most Singapore Airlines KrisFlyer point transfers process within two business days and most Marriott Bonvoy™ point transfers process by the next business day.

Which Credit Cards Earn Ultimate Rewards That Can Be Transferred to Travel Partners

Not all Ultimate Rewards points directly transfer to Chase’s travel partners but all indirectly transfer provided you have a “premium” card.

There are 2 type of credit cards that earn Ultimate Rewards: 1) premium cards (cards with an annual fee after the first year) and 2) no annual fee cards. Disclosure: This article contains some of our referral links.

1. Premium Ultimate Reward Cards  ( DIRECTLY transfer to travel partners) •  Personal: Chase Sapphire Preferred  and  Chase Sapphire Reserve •  Business: Ink Plus (no longer offered to new applicants) and  Ink Business Preferred

2. No Annual Fee Ultimate Reward Cards  ( Do not directly transfer to travel partners but you can indirectly transfer if you have one of the premium ultimate rewards cards above) •  Personal: Sapphire, Freedom (both no longer offered to new applicants), Freedom Flex and Freedom Unlimited •  Business: Ink Business Cash  and  Ink Business Unlimited

If you have one of the premium Ultimate Rewards credit cards listed in (1) above, Ultimate Rewards in that account directly transfer to airline and hotel partners. (For a guide on how to transfer your Ultimate Rewards points to the travel partners listed above see related post :  How to Transfer Chase Ultimate Rewards Points to Travel Partners .)

Ultimate Rewards in a no annual fee credit card account listed in (2) above, DO NOT directly transfer to partners but can indirectly transfer if you have one of the premium Ultimate Rewards cards. The way to transfer Ultimate Rewards points from one of the cards listed in (2) above, is to transfer the points to an account of one of the premium Ultimate Rewards cards. So if you have a Chase Freedom Flex and a Chase Sapphire Preferred card, you can transfer points from your Freedom account into your Sapphire Preferred account and then transfer to airline and hotel partners from that account.  See related post  How To Combine or Transfer Chase Ultimate Rewards Points Between Accounts .

Ink Bold has been eliminated entirely; Chase converted all Ink Bold cards into Ink Plus cards last year. I had two Bolds that were converted.

Thanks did not realize they had been converted. Will delete from the list.

How can one transfer Ink Cash points to Ultimate Reward point? Thanks.

Ink Cash earns Ultimate Rewards points but they are the type that do not transfer to airlines and hotels. Do you have any of the following Chase cards: Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Plus, Ink Business Preferred? If so you can transfer your Ink Cash points into the credit card account of one of those cards and then transfer to airlines and hotels. This post might help: https://thetravelsisters.com/how-to-transfer-chase-ultimate-rewards-points .

Lets said that I found a good deal on one of the airlines, on the chase ultimate reward, how do I know what is the exact amount of point to transfer to the airline site? Its the first time doing it I’m not sure what is the best way to do the point transfer. Thank you

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Personal Finance

A complete guide to chase airline and hotel transfer partners: redeem and maximize value.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created by TIME Stamped, under TIME’s direction and produced in accordance with TIME’s editorial guidelines and overseen by TIME’s editorial staff. Learn more about it .

If you're looking for a travel credit card that offers ultimate flexibility when it comes to redeeming rewards, you'll want to learn all you can about credit cards that earn Chase Ultimate Rewards points. Points in this program are easy to earn with a range of popular travel credit cards that offer generous sign-up bonuses, lucrative rewards bonus categories and easy-to-use cardholder perks. From there, you can actually cash in your rewards for travel and a range of other options based on your needs.

While redeeming for cash back will only get you one cent per point in value, Chase Ultimate Rewards are worth 1.25 cents each with the Chase Sapphire Preferred® and 1.5 cents each with the card_name when redeemed for travel through Chase. More importantly, Chase Ultimate Rewards points can be transferred to 14 unique Chase airline and hotel partners on a 1:1 basis, which helps you secure an even greater value for each point you redeem.

While there are situations where using your points to book travel through the Chase portal can be a good value, you may get as much as 2 cents per point in value (and often more) if you get the hang of transferring your points to Chase partners instead. This guide will break down the 14 Chase airline and hotel partners and basic details of each program while explaining the ins and outs of transferring points to get maximum value.

Chase Ultimate Rewards transfer partners

Chase transfer partners are easier to understand than some other flexible programs since all points transfer at a 1:1 ratio in increments of 1,000. This means you can turn 1,000 Chase points into 1,000 airline miles or 1,000 hotel points with any of the programs below.

Here's a listing of all the Chase transfer partners you gain access to with the right Chase credit card:

Chase airline partners:

Aer Lingus AerClub

Air canada aeroplan, air france (flying blue), british airways executive club, emirates skywards, iberia plus, jetblue trueblue, singapore airlines krisflyer, southwest airlines rapid rewards, united mileageplus, virgin atlantic flying club.

Chase hotel partners:

IHG One Rewards

Marriott bonvoy, world of hyatt, airline transfer partners.

Here's a summary of each Chase airline partner you can use and an overview of how their programs work.

Aer Lingus AerClub offers a travel rewards currency called Avios, which you can use to book award flights from the United States to Europe and elsewhere. While not officially part of the oneworld alliance, this program can be used to fly with partner airlines like British Airways and Iberia as well, paving the way for even more redemption options.

While awards vary with the program, you may be able to use as little as 4,000 Avios to fly from Dublin, Ireland to Paris, France, or as little as 16,250 Avios to fly from San Francisco, California to Dublin, Ireland in either direction.

Because Aer Lingus bases awards on zones that are roughly built around the distance you're flying, you'll need to fork over more Avios for long haul flights.

Chase added Air Canada Aeroplan as a transfer partner in 2021, and this makes it the newest transfer partner Chase cardholders have access to. This airline is a Star Alliance partner, which makes it part of a program that includes 26 airlines in total. Star alliance airlines fly to more than 1,200 destinations across 184 different countries as well, so you can use miles in this program to fly almost anywhere you want to go.

The Air Canada Aeroplan program is also one of the few remaining airlines that offers an award chart for its flight program. When you check it out, you can quickly find some travel sweet spots you could utilize.

For example, you can use 15,000 to 35,000 Aeroplan points for an economy award flight up to 2,000 miles in distance on Emirates. Also, you can fly from the east coast of the U.S. to Europe in business class for as little as 60,000 points each way.

Air France / Flying Blue is one of the best programs to get from the U.S. to Europe and back, and that's even true for families and groups. This program frequently features one-way economy flights from the U.S. to Europe for as little as 20,000 miles one way, and you can also find one-way business class flights to Europe for as little as 55,000 miles with reasonable taxes and fees. Best of all, it's not overly difficult to find four award flights for the same price on a single itinerary.

This program is also part of the SkyTeam alliance, so you can use your miles to book awards with partners like Delta Air Lines and KLM.

British Airways is another airline loyalty program that uses Avios, and you can use these points to fly with British Airways, Iberia, American Airlines and other oneworld partners. Award flights in this program start at 50,000 Avios for travel from the U.S. to London, and you can explore other destinations in Europe starting from London for as little as 18,500 Avios one-way.

Because British Airways is known for charging exorbitant fuel surcharges on award flights, this partner is best utilized for awards with American or Alaska Airlines. For example, you can fork over as little as 9,000 Avios one-way to fly economy from Miami, Florida to the Caribbean.

The Emirates Skywards program lets you book award flights starting at 15,000 miles. You can also book awards with a combination of cash or miles, and you can use miles to upgrade an economy ticket to a premium cabin.

While most people only think of using Emirates when planning trips to destinations in the Middle East, including Dubai, this carrier actually operates flights all over the world including in the U.S., Europe, Africa, Asia and Europe.

Iberia Plus is a member of the oneworld alliance, and it's another program that uses Avios as their form of airline miles. Not only can you use Avios to book a ticket with this program, but you can use your rewards to upgrade out of economy and into a premium cabin.

This Spain-based frequent flyer program offers a helpful Avios calculator on its website to help you figure out how many Avios you might need for an award ahead of time. With a simple search, you can find that award flights from New York City (JFK) to Barcelona or Madrid start at 34,000 Avios in economy.

JetBlue TrueBlue bases the cost of its awards on the actual cost of flights, which can be both good and bad for your rewards game. Ultimately, the fare-based program makes it so you can score awards for a low number of points when prices are low, but that you'll have to fork over more points during peak travel times or any time prices for flights are on the high side.

That said, there are definitely some deals to be had with the JetBlue TrueBlue program if you're willing to fly any day of the week and flexible with when you travel during the year.

As an example, we found award flights from Fort Lauderdale, Florida (FLL) to Montego Bay, Jamaica (MBJ) starting at just 5,800 TrueBlue points one-way over dates in June of 2023.

Singapore Airlines KrisFlyer is a Star Alliance partner airline, which means you can use this airline to book awards all over the world. This program bases its award cost on "zones" that are roughly built around the distance flown, and there are plenty of sweet spots.

For example, a one-way Saver award from Singapore (Zone 1) to the U.S. west coast and Canada (Zone 12) starts at 42,000 miles in economy and 107,000 miles in business class, and awards from Singapore to destinations in Europe are similar.

Like the JetBlue TrueBlue program, Southwest Rapid Rewards uses a revenue-based system that bases the cost of their award flights on the cost of airfare. This means you can score cheap flight awards with Southwest when prices are low, but that you'll fork over a boatload of points when prices are high.

However, this airline offers some useful benefits that apply whether you book your flight with cash or points. For example, every passenger gets two checked bags for free on every flight, and the airline doesn't charge any change fees or penalties if you need to change your travel plans. Your points never expire either, and the frequent flyer program doesn't limit award availability or use blackout dates.

United MileagePlus is another Star Alliance member worth looking into whether you fly internationally or you mostly travel close to home. Miles in this program never expire, and you can use them to fly to the more than 1,200 destinations United and its partners fly to.

That said, you'll want to be flexible with your travel dates to maximize this program since many awards (especially on domestic flights) are overpriced when you compare to competing programs. You can also check out their featured awards . This updated list of deals frequently shows one-way domestic awards for as little as 6,600 United miles one-way and international awards from the U.S. to the Caribbean starting at 19,000 miles.

Virgin Atlantic just joined the SkyTeam airline alliance in March of 2023, so it just became a lot easier to use this partner to book awards. Not only can you use your miles to book flights with Virgin Atlantic, but the new alliance partnership opened the door to award bookings with Air France (Flying Blue), Delta and KLM, among other partners.

Like some other frequent flyer programs, Virgin Atlantic offers an award calculator on its website that helps you estimate how many miles you'll need.

Hotel transfer partners

Chase Ultimate Rewards also has three hotel transfer partners you can look into. Here's a rundown of each hotel loyalty program you can transfer Chase points to and how they work.

The IHG One Rewards program lets you book award nights at more than 6,000 properties across 18 different hotel brands in destinations around the world. Free night awards start at 5,000 points, but you can also use a combination of points and cash to book an award. Just keep in mind that mid-tier to luxury properties will likely run you 50,000 points to 100,000 points per night or more.

The screenshot below shows the different price points for award nights in Paris, France this upcoming fall:

Keep in mind that IHG One Rewards points are considerably less valuable than Chase points, so you'll want to transfer your Chase points to this hotel program sparingly. For example, you can consider transferring a few thousand points if you're just short of a redemption, or if you only need 5,000 points to book an award at one of the brand's lowest tier properties.

The Marriott Bonvoy program offers more than 8,000 hotels in 139 countries and territories around the world, so this program is worth considering if you want maximum flexibility in terms of where you use your rewards points. While the hotel brand eliminated its award categories in 2022, free nights at lower-tier and mid-tier hotels tend to start at around 20,000 points, while top-tier luxury hotels can cost as much as 100,000 Marriott Bonvoy points or more.

Like with the IHG One Rewards program, you should know that Marriott points aren't nearly as valuable as Chase points. This means you'll want to transfer points to this program sparingly, and only when you have no other option.

This hotel program only includes 1,350 hotels and resorts in 69 different countries across six continents, so it has a smaller footprint than most of its competitors. Still, World of Hyatt is by far the most lucrative hotel loyalty program you can transfer Chase points to, and it's easy to explain why. Essentially, hotels in this program cost fewer points than competing hotel loyalty programs require, and this makes every point you earn or redeem much more valuable.

As an example, you can book a stay at a Hyatt all-inclusive property with double occupancy for as little as 12,000 points per night during off-peak dates. You can even book luxury hotels like the Park Hyatt Maldives Hadahaa for as little as 25,000 World of Hyatt points per night or the Andaz Maui at Wailea Resort for as little as 35,000 points per night.

During our search, we found award availability for the Andaz Maui at Wailea Resort in an 850-square foot Andaz Suite for just 56,000 points per night when the cash rate for the room came in at $1,581.

Considering this redemption gets you almost 3 cents per point in value, that's a pretty "suite" deal.

When should you transfer points?

We noted already that there are times to transfer your points and situations where you'll want to book an award a different way. At the end of the day, maximizing your Chase points boils down to assessing all the available redemption options for the travel you want, then comparing them based on the number of points you'll actually need to make a booking.

Here are some situations where you should absolutely transfer your points when you have the option.

Transfer your points when the booking sets you back fewer points overall

You'll always want to book travel for fewer points overall, and this is often accomplished through point transfers. Let's take the Andaz Maui at Wailea Resort booking example above and compare how much you would pay for a similar booking if you used Chase points to pay instead.

While you can book an Andaz Suite for 56,000 points on select travel dates, the cash price for this booking comes in at $1,581. In the meantime, booking with the Chase Sapphire Reserve® gets you 1.5 cents per point in value through the portal. This means that, on average, booking through Chase would require you to fork over approximately 105,000 points for the same booking.

In this case, you're much better off transferring your points to World of Hyatt and booking the same room for half the cost (in points).

Transfer points to book airfare in a premium cabin

If you're planning to book an award in a premium cabin, it is almost always a better deal to transfer your points to an airline partner first. After all, some (but not all) frequent flyer programs offer solid deals on business class flights when you're flexible with your booking dates, so you can save some points if you find the availability you want.

Consider this one-way business class award fare on Air France / Flying Blue, which takes you from New York City (JFK) to Paris, France (CDG) in a lie-flat business class seat for 55,000 miles plus $202.10.

If you paid in cash, this same flight would cost you approximately $3,581.20.

After subtracting the $202.10 in airline taxes and fees you would pay to book directly with Air France / Flying Blue, you can easily see that your 55,000 miles are worth more than 6 cents each with this award flight.

In this scenario, transferring your points is a no-brainer.

Transfer your points to "top up" your account for a redemption

While some rewards currencies are worth less than others, it can still make sense to transfer to a program if you're just short of the points you need for a redemption. If you want to book a IHG One Rewards hotel for 30,000 points per night and you only have 27,000 points in your IHG account, for example, moving 3,000 Chase Ultimate Rewards points can make sense regardless of the point values.

And really, this is one of the main reasons to have transferable points in the first place. After all, you may also be earning travel rewards by flying or staying in hotels, or with any number of hotel credit cards and airline credit cards. By having flexible rewards points at your disposal, you have more flexibility and a better chance at reaching your travel goals.

How to transfer Chase Ultimate Rewards points to partners in 5 steps

The first step to transferring your Chase points to partners is making sure you have one of the eligible credit cards from this card issuer. Once you sign up for the right Chase card, you can create an online account and transfer your points to partners using the following steps.

Step 1: Log into your Chase account

Log into your account at Chase.com to begin the process.

Step 2: Select Chase Ultimate Rewards

Click toward the right of your account management page where it shows your Chase Ultimate Rewards points.

Step 3: Click near the top of the page where it says "Earn/Use" to see your redemption options and click on "Transfer to Travel Partners"

If you have a Chase card that allows point transfers, this option will show up in your account.

Step 4: Choose your transfer partner

At this point, you'll be shown a selection of all the Chase transfer partners, including saved accounts you have where you already entered your information.

Step 5: Enter your information to complete the transfer

If you already have your information saved with a Chase transfer partner, you can pick your option and transfer your Chase points in increments of 1,000. If you haven't used a specific partner yet, you can prepare to transfer by entering your loyalty account number and your name.

At that point, you'll be allowed to transfer your Chase points to airlines and hotels. Just keep in mind that you can only move your Chase points to loyalty accounts in your name or the name of an authorized user on your Chase credit card.

Chase Ultimate Rewards credit cards

The good news about Chase Ultimate Rewards is the fact that you can earn these points with several different credit cards. That said, it's worth noting that you can also earn rewards with cash back credit cards like the card_name and the Chase Freedom Flex then pool them in your Chase travel card account for better redemption options.

Chase credit cards that let you earn points that transfer to Chase airline and hotel partners on their own include the following:

Chase transfer rules to know about

• You can transfer Chase Ultimate Rewards points to airline and hotel partners in increments of 1,000 only.
• You can only transfer points to another person's loyalty account if they are an authorized user on your Chase transfer card account.
• You can combine Chase points earned with cash back credit cards into your account for point transfers, but you have to have the card_name , the card_name or the card_name to do so.
• Chase point transfers are one-way, meaning you cannot move transferred points back to your Chase account if you change your mind.

Get the most from your points with partners

Chase transfer partners pave the way to even more valuable redemptions when you start earning points in the program, and that's especially true if you're a frequent traveler who has some flexibility in their plans or you're someone who loves to traverse the globe in business class or first class.

That said, it's worth noting that you don't have to transfer your points to airlines and hotels if you don't want to. You can also use your points to book airfare, hotels, rental cars and more through Chase direct, or you can redeem your points for cash back, statement credits, gift cards or merchandise.

While Chase Ultimate Rewards points are valuable no matter how you decide to use them, having this type of flexibility in your rewards program is priceless.

Frequently asked questions (FAQs)

How do you combine your chase ultimate rewards points into a single account.

Chase lets you combine your points within your online account management page. All you have to do is log into your Chase account at Chase.com, go to your rewards account, then select the option that says "Earn/Use." From there, you'll see the option to "Combine Points" and you can move your points around among your Chase accounts however you please.

How to transfer points between Chase card accounts?

Chase lets you combine points within your online account management page. You can also transfer points to someone living in your household by calling the number on the back of your card and having the other person's credit card account added to your "Combine Points" page.

What are the best ways to redeem Chase Ultimate Rewards points?

The best redemptions are usually made after you transfer your rewards to a hotel or airline partner. However, there are no hard and fast rules that dictate which awards are the best or most valuable.

Can you transfer Chase ultimate rewards to another person?

You can transfer Chase points to another person's account as long as they live in your household and share your address.

Can you transfer points from Chase to Amex?

You cannot transfer Chase Ultimate Rewards points to your American Express Membership Rewards account.

How to transfer points from Chase to Virgin Atlantic?

Head to your online Chase account and click on the area that shows your Chase Ultimate Rewards points. From there, you'll click where it says "Earn/Use," then on the option that says "Transfer to Travel Partners."

At that point, you can scroll down to Virgin Atlantic, add your loyalty number and transfer points in increments of 1,000.

The information presented here is created by TIME Stamped and overseen by TIME editorial staff. To learn more, see our About Us page .

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Chase transfer partners: How to get the best value

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Key takeaways

• Chase Ultimate Rewards points transfer to 14 popular airline and hotel partners, all at a 1:1 ratio.
• Transferred points can be worth an average of 0.7 cents each to 2.6 cents each, depending on the Chase transfer partner you choose.
• Some of the best redemptions for Chase points come from programs like Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

Chase Ultimate Rewards are one of the most valuable credit card currencies in circulation today, and it’s easy to see why. These points can be redeemed for flexible options like gift cards, merchandise or cash back, or they can be used to book travel directly through Chase. Premium Chase travel cards even boost your points value by 25 to 50 percent when you redeem points directly through the Chase Travel portal.

More importantly, Chase Ultimate Rewards points transfer to a range of popular airline and hotel partners at a 1:1 ratio. These partners include some sought after programs that don’t overlap with options from other flexible programs, particularly Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

If you’re looking to increase the value of Chase Ultimate Rewards points, transferring your points to a Chase travel partner is one way to do this. You might even find that transferring your points is better for you than booking through the Chase Travel portal with a premium card that would otherwise boost your points value.

This guide will explain how much points are typically worth when transferred to Chase airline and hotel partners, some of the best redemption options and everything else you need to know.

How to redeem points with Chase partners

Chase Ultimate Rewards airline and hotel partners include a range of domestic and international travel partners that can be used to book trips all over the world. Chase transfers are all available at a 1:1 ratio as well, which isn’t the case with other flexible programs like American Express Membership Rewards or Capital One Miles .

To use your Chase Ultimate Rewards points with a transfer partner, you’ll have to first decide which transfer partner you want to use and then move your points via the Chase Travel portal. We outline those steps below.

Choose your Chase transfer partner

Before we dive into the details of each Chase transfer partner, here’s an overview of the available airline and hotel loyalty programs and their current average point values:

Transfer your Chase Ultimate Rewards points to partners

To transfer your points to a Chase airline or hotel partner, follow these steps:

• Log in to your Chase credit card account and head to your Chase Ultimate Rewards dashboard.
• Click on “Transfer to Travel Partners.”
• Pick the travel partner you’re interested in.
• Link your desired airline or hotel loyalty program account to your Chase account.
• Transfer your points and follow the prompts to complete your booking.

Once you transfer Chase points to an airline or hotel loyalty program, you cannot transfer those points back to Chase Ultimate Rewards.

Chase airline transfer partners

Three top travel credit cards from Chase — the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® and Ink Business Preferred® Credit Card — allow you to transfer points at a 1:1 ratio. This means that you can turn Chase Ultimate Rewards points into airline miles or hotel points in increments of 1,000.

Here’s an overview of Chase’s airline partners and some potential strategies you could use to maximize them, based on valuations from Bankrate :

Aer Lingus (Avios)

Transfer ratio : 1:1

Approximate value : 1.8 cents each

Aer Lingus Avios are worth around 1.8 cents each, though how you redeem them will determine how much value you get out of your rewards. This transfer partner typically offers exceptional value for flights within the U.K. as well as flights from the eastern U.S.

For example, you may be able to find an off-peak economy award flight from Boston to Dublin, Ireland, for just 13,000 Avios points, or from Dublin to Los Angeles or Miami for just 16,250 Avios points.

Air France/KLM Flying Blue

Approximate value : 1.5 cents each

Air France/KLM Flying Blue is a popular transfer option for flights from the U.S. to Europe, and that’s especially true for people who don’t mind redeeming miles for an international economy award flight. Air France/KLM Flying Blue miles are typically worth around 1.5 cents each, although redemption values vary.

While Delta is not a transfer partner with Chase, you can redeem miles with Flying Blue to fly back and forth with Delta to various European cities like Paris or Amsterdam. It’s usually not very hard to find a flight with plenty of availability for less than 25,000 miles one way, although your results may vary.

Air Canada Aeroplan

Approximate value : 1.6 cents each

Chase cardholders can transfer Ultimate Rewards points to Aeroplan in increments of 1,000 at a 1:1 value. Rewards points are redeemable for any seat on any Air Canada flight and for travel with over 50 airline partners. Plus, with Aeroplan Family Sharing, families can combine points together at no additional charge.

Aeroplan’s  Points Predictor Tool helps you plan out your flights based on distance. For instance, with this tool, you can see that an economy flight from Chicago to Toronto would cost between 6,000 and 10,000 points at the time of writing. There are flexible options to pay for all or part of a trip with points, too.

British Airways (Avios)

Approximate value : 0.7 cents each

British Airways uses a distance-based chart that makes it possible to book shorter award flights for fewer points overall. You can also utilize this transfer partner to book flights with oneworld Alliance partners like American Airlines.

British Airways Avios are worth around 0.7 cents each, and this program has plenty of sweet spots. A “ sweet spot ” is known as flight or hotel stay paid for with points that’s offered at a significantly lower price compared to most other programs. For example, a short flight of fewer than 650 miles may set you back as little as 6,000 points in economy when you use British Airways.

Emirates Skywards

Approximate value : 1.2 cents each

While Emirates is popular for its flights within the Middle East, you can also use this airline and its partners to fly from major U.S. cities like Chicago and New York to Europe, Africa, Australia and many other destinations worldwide.

Emirates Skywards Miles are typically worth 1.2 cents each, but how you cash them in will ultimately determine their value. Fortunately, it’s easy to use your miles given the wide selection of destinations. For example, you may be able to fly round-trip from Dubai to London with 45,000 miles with an economy Saver award, while Economy Flex Plus for the same flight may set you back 77,500 Skywards Miles at the time of writing.

You can use the Emirates miles calculator to run your own numbers.

Iberia Airlines (Avios)

Approximate value : 0.9 cents each

Iberia Avios are worth approximately 0.9 cents each, and you can use them to fly with Iberia Plus or with partner airlines like American Airlines and British Airways, among others. You may be able to find sweet spots in the Iberia award chart. At the time of writing, there were off-peak business class flights from Chicago to Madrid for 34,000 Avios and short trips around the U.S. (flights under 6,000 miles) for just 11,000 Avios one way, although your results will vary.

Also note that Iberia Plus has peak and off-peak dates, with off-peak dates offering exceptionally better value for rewards. For example, you’ll stretch your Avios further during most of October or November versus the rest of the year.

JetBlue TrueBlue

Approximate value : 1.3 cents each

JetBlue is another transfer partner that can offer exceptional value, although this airline only flies to select destinations within the U.S., the Caribbean and Central and South America, plus London, England and Vancouver, British Columbia.

There is no specific award chart, but it’s not uncommon to see award flights to destinations in the Caribbean for as little as 15,000 miles one way. While values can vary, JetBlue TrueBlue miles are typically worth 1.3 cents each.

Singapore Airlines KrisFlyer

Singapore Airlines KrisFlyer miles are worth around 1.6 cents each, although values vary. Flight awards typically start at 15,000 KrisFlyer miles (not including airline taxes and fees).

Some options available at the time of writing include booking an economy award from the West Coast or Europe to Singapore for 84,000 miles one way or from Singapore to the Middle East for 58,000 miles one way.

When thinking of ways to use your miles, try out the Singapore Airlines KrisFlyer miles calculator to find the right flight for your needs. Note that your results may vary.

Southwest Rapid Rewards

Southwest Rapid Rewards is a popular transfer partner for people who want to fly within the U.S. (including Hawaii) or to Central America or the Caribbean. Generally,  Southwest Rapid Rewards points are worth around 1.5 cents each. And during one of Southwest’s big sales, it’s not uncommon to see one-way domestic flights for less than 8,000 Southwest Rapid Rewards points.

Southwest lets customers check two bags for free. It also offers one of the best cancellation and rebooking policies of any airline and a fare-based rewards program, which means that lower-priced airfare translates to cheaper award flights.

United Airlines MileagePlus

United miles are worth around 0.9 cents each. You can use them to fly with an array of Star Alliance partners including Lufthansa, ANA, TAP Air Portugal and Turkish Airlines.

While the  United MileagePlus program no longer follows a traditional award chart, you may be able to find one-way domestic flights for as little as 18,000 miles or one-way flights to Europe from the U.S. for as little as 40,000 miles. Your flight results may vary from these results, however.

Virgin Atlantic Flying Club

Approximate value : 2.6 cents each

Virgin Atlantic miles are worth 2.6 cents each, and there are plenty of ways to redeem them for popular routes between the U.S. and Europe or for flights to Asia. For example, Virgin Atlatic offers  one-way flights in business class for just 50,000 miles and for one-way business class flights between the U.S. and Asia for just 60,000 miles at the time of writing.

Standard season award flights usually start at about 20,000 miles (not including airline taxes and fees), and peak-season award flights usually start at roughly 40,000 miles round-trip.

The Virgin Atlatic earning calculator can help you see how many points you might need for the flight you want.

Chase hotel transfer partners

Similar to Chase airline partners, Chase Ultimate Rewards points will vary in value depending on which hotel partner you redeem points with. Each approximate value listed below is based on Bakrate’s points valuations .

IHG One Rewards

IHG One Rewards points are estimated to be worth about 0.7 cents each, so they aren’t one of the highest-value redemption options. However, they are pretty versatile. Points can be used for InterContinental Hotels Group properties, which range from Holiday Inn Express hotels to Hotel Indigo, InterContinental Hotels and Resorts and even Kimpton Hotels and Resorts. Free nights start at just 5,000 points, and this program promises no blackout dates. Note that you can redeem points at more than 6,000 hotels and resorts around the world.

While you can cash in  IHG Rewards Club points for free nights at small-town Holiday Inns, you can also use them for all-inclusive resorts in Mexico and the Caribbean or for luxury resorts in the Maldives and Bora Bora. For example, at Holiday Inn Resort Kandooma Maldives, you may be able to find a stay starting at just 59,000 points per night.

Marriott Bonvoy

Marriott Bonvoy includes a wide range of resort brands ranging from Ritz-Carlton properties to Westin Hotels and Resorts. Free nights typically start at just 10,000 points during the off-peak season, although that’s for a lower tier property. For a high-end Marriott hotel or resort,  you’ll likely fork over 85,000 to 100,000 points per night and potentially more.

Marriott Bonvoy points are worth approximately 0.7 cents each, which is similar to IHG One Rewards. But Marriott also offers its PointSavers program, which lets you book award nights for 20 percent off in select destinations at various times throughout the year.

World of Hyatt

Approximate value : 2.3 cents each

World of Hyatt points are typically worth around 2.3 cents each. This hotel brand has a smaller footprint worldwide than others with large loyalty programs, but you can get significant value from your hotel points and from building loyalty with World of Hyatt.

Free nights at Hyatt properties usually start at just 3,500 points for a Category 1 property, but they can cost up to 40,000 points per night or higher for premium properties available through the brand. World of Hyatt is probably most popular for the luxurious resort experiences you can book with very few points, although results can vary. For example, a free night at the Park Hyatt Paris-Vendome can be booked for just 45,000 World of Hyatt points at the time of writing.

Which Chase transfer partners are best?

The best Chase transfer partners make it easy for users to receive outsized value for their rewards points. Some rewards currencies are also considerably easier to use than others, either because the program doesn’t have blackout dates or there are more available flight options or hotel and resort properties offered through the brand.

The best Chase transfer partners include:

The bottom line

Transferring your Chase Ultimate Rewards points to a Chase airline or hotel partner can be one of the best ways to get the  most value out of your points . Depending on the transfer partner and your travel goals, you could get more than 1 cent in value out of your points, making it a lucrative redemption option.

If you have a premium Chase travel credit card , you also have the option of increasing the value of your points by 25 to 50 percent if you redeem through the Chase Travel portal , so be sure to weigh your options carefully. In some instances, booking through the Chase Travel portal might give you a better deal than if you transferred your points to a partner, and in others, the opposite would be true.

Frequently asked questions (FAQs) about Chase transfer partners

Is transferring chase points worth it, how can i tell how much my points are worth, does chase have delta or american airlines as a transfer partner.

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Chase Ultimate Rewards  are perhaps the most valuable transferable points. With instant or short transfer times and strong transfer partners like United Airlines, Southwest and Hyatt, you can travel nearly anywhere in the world on points.

Chase  travel credit cards  are also some of the best on the market. There are several direct Chase transfer partners, but you can also access indirect partners. That gives you lots of ways to travel for pennies on the dollar.

Chase Ultimate Rewards points are easy to earn with big sign-up offers and bonus categories. By transferring to the right partners, you could get even more  value from your Chase points  via a single welcome bonus.

Here are all the details about Chase’s transfer partners and what you should know before you book award travel.

Chase transfer partners

Chase transfer partners  include airlines and hotels, all of which have a 1:1 transfer ratio. That means when you transfer 1 Chase Ultimate Rewards point, you’ll earn 1 mile or point in the program you send them to. Transferring your points to travel partners is the  best way to use Chase points .

Chase Airline transfer partners

There are 11 direct Chase Ultimate Rewards airline transfer partners:

British Airways

Flying blue (loyalty program of air france and klm), singapore airlines, united airlines, virgin atlantic.

Through these airlines, you can book award seats through all three major airline alliances, including:

• Oneworld airlines (British Airways and Iberia)
• SkyTeam airlines (Flying Blue)
• Star Alliance airlines (Singapore Airlines and United Airlines)

Knowing how to work through the major alliances is your ticket to dozens of airlines beyond the 10 direct airline partners. Note that you can use Chase points to book award travel on other partner airlines which aren’t part of any alliance. For example, you can use British Airways Avios points to book an award ticket with Alaska Airlines, or Virgin Atlantic miles to fly on Hawaiian Airlines.

Knowing Chase’s airline partners — and then each partner’s partners — can unlock nearly limitless award opportunities.

Chase hotel transfer partners

The Chase Ultimate Rewards program has three direct hotel transfer partners:

In general, you’ll get a better deal redeeming Chase Ultimate Rewards points with airline partners, but Hyatt is the exception. It has a generous award char, and award rooms start at just 5,000 points per night. In fact, some of the team’s biggest travel awards have been for Hyatt stays.

If you’re close to an award stay with IHG, it can make sense to top off your account with Chase Ultimate Rewards points. But there are a number of other ways to earn IHG points, too.

And much like with IHG, if you’re a few points shy of a free stay at Marriott, it can make sense to transfer Ultimate Rewards points to your Marriott account. Always run the numbers before you make a transfer because there’s no reversing it.

Chase Ultimate Rewards transfer times

Here’s a look at the estimated transfer times for each of the airline partners.

Most Chase Ultimate Rewards points transfers are instant. This is great news if you’re in a hurry to book an award flight or get a hotel room.

For the cases where transfers take one or two days, you still have a couple of options while you wait.

Marriott will give you a points advance to book your stay at a Marriott or Ritz-Carlton hotel. As long as you have the points in your account at least 14 days prior to check-in, you’re good to go.

And Singapore Airlines will let you hold an award ticket for a Singapore Airlines flight (not for partner award flights).  You need to call to place an award on hold, then call again once the transfer is complete to ticket your trip.  It’s a little more work, but worth it to preserve your award flight while you’re waiting!

Know the Chase Ultimate Rewards Transfer rules

All transfers are final.

Once you transfer Chase Ultimate Rewards points to a partner program, you won’t be able to get the points back to your Chase account.

I recommend finding your award flight or room before you transfer your points.  Most transfers are instant, so you can book as soon as you find travel that works for you

Transfers to partners are always in 1,000-point increments

You might need a small or odd number of points to snag an award ticket or hotel stay, but be aware that you must always transfer in increments of 1,000 Chase Ultimate Rewards points to travel partners.

You can combine any number of points between Chase Ultimate Rewards cards (yup, even just 1 point) or  combine them with others  in any amount.  But when it’s time to send them to travel partners, they have to go out in increments of 1,000 points.

Send your points to a spouse, family member or authorized user

For personal cards,  Chase lets you to transfer points to another person  in the same household.  Here’s  our video guide on how to combine your points with a family member or another card account .

If you want to transfer points from a business card to someone else, they need to be a household member or a co-owner of the company.

You can also combine points with an authorized user, as long as they live at the same address as you.

Award travel with Chase Ultimate Rewards points

Here are just a few ways to get outsized value from your Chase Ultimate Rewards points.

Transfer to British Airways or Aer Lingus Avios for flights to Dublin

You can redeem British Airways or Aer Lingus Avios points on Aer Lingus and book flights to Dublin.

British Airways and Aer Lingus award prices are distance-based, so shorter flights cost fewer points.  This means award flights from the East Coast to Dublin are a terrific deal. For example, Boston to Dublin requires only 26,000 British Airways Avios points for an off-peak, round-trip coach award ticket.  The same deal is available from the following cities:

• Montreal (starting summer 2019)
• New York – JFK
• Philadelphia
• Washington, DC

You can’t search for or book Aer Lingus award flights on the British Airways website. Instead you can search for “Saver” award seats on the United Airlines website and call British Airways to book. Ask them to waive the phone fee because it’s not possible to book online.Also, Aer Lingus classifies certain dates as peak travel, which means you’ll use more points for award flights during these times.

Transfer to Singapore Airlines for United Airlines flights to Hawaii

United Airlines is a direct Chase airline transfer partner.  But you can also transfer Chase Ultimate Rewards points to Singapore Airlines, which is part of the same Star Alliance.  Then,  book United Airlines award flights to Hawaii  for cheaper than what United Airlines charges!

For example, you’ll pay 35,000 Singapore Airlines miles round-trip in coach from anywhere in North America to Hawaii.  Compare that with United Airlines’ price of 45,000 United Airlines miles. You’ll save 10,000 Chase Ultimate Rewards points per flight.

Transfer to Hyatt for luxury hotel stays

As mentioned earlier, some of our most valuable uses of Chase Ultimate Rewards points have been at Hyatt hotels around the world.  Here’s  how to transfer your points to Hyatt . Many of us on the MMS team have stayed at Hyatt all-inclusive hotels in Mexico. We loved the endless food and adult beverages. And because I used points for a free stay (that’s right, I paid $0), I treated myself to an opulent massage treatment I’d otherwise never splurge on.

Booking travel through the Chase travel portal

Along with transferring your Ultimate Rewards points to Chase travel partners, don’t forget, it’s also possible to use your points to  book travel directly through the Chase travel portal .

Depending on the cash price of a ticket or hotel room, you’ll sometimes get a better deal using the Chase travel portal to book flights or hotels.

Chase Sapphire Reserve cardholders, for example, will get a value of 1.5 cents per Chase Ultimate Reward point when booking through the portal. Those with the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card will get a value of 1.25 cents per point when booking through the Chase portal.

Here’s our guide to  booking travel with the Chase travel portal .

Earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points to transfer directly to airline and hotel partners with these three excellent card offers:

These cards are affected by Chase’s stricter application rules. That means if you’ve opened five or more cards from any bank ( except these business cards ) in the past 24 months, it’s unlikely you’ll be approved. And if you have any of these no-annual-fee cards, you’ll need to  combine Chase points  to one of the above cards before you can transfer them:

• Chase Freedom Flex
• Chase Freedom Unlimited
• Ink Business Cash Credit Card
• Ink Business Unlimited Credit Card

Each card has its own strengths, like bonus points for spending in certain categories. That makes it easier to earn even more valuable Chase Ultimate Rewards points. Read our full guide on  how to earn Chase Ultimate Rewards points  for all the details.

Bottom line

There are 13 airline and hotel partners within the Chase Ultimate Rewards program.

But thanks to airline alliances and partnerships, you can book award travel beyond the direct transfer partners. This unlocks nearly endless travel opportunities to fantastic destinations around the world.

Most points transfers are instant, but a few partners have one- or two-day transfer times. Because of their flexibility and strong travel partners, Chase Ultimate Rewards are a favorite here at Million Mile Secrets.  We’ve all used Chase Ultimate Rewards transfer partners for unforgettable trips.

With sign-up offers on cards like 80,000 Chase Ultimate Rewards points with the Chase Sapphire Preferred card after meeting the minimum spending, you could be on your way to Ireland on Aer Lingus, Hawaii with Singapore Airlines miles, or at an all-inclusive Hyatt hotel in Mexico — and that’s just for starters.

Let me know your favorite Chase Ultimate Rewards transfer partner. And  subscribe to our newsletter  for more tips and trick to getting outsized value for your points.

Meghan Hunter

Contributor

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and general travel. Her work has also appeared in The Points Guy.

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How to use chase ultimate rewards® for travel.

Whether you're a longtime cardholder or just starting your credit card journey with Chase, you may be wondering: What is the best way to use Chase points ? The answer will be different for everyone, but if you like to travel, you may find that using your points on your trips is your favorite way to spend them. Learning how to use Chase Ultimate Rewards to make the most of your points could help you pack in a few extra adventures when planning your next getaway.

How to earn Chase Ultimate Rewards points

Chase Ultimate Rewards points are redeemable points you can earn through welcome bonus offers or when making purchases with your Chase-branded cards, such as:

• Chase Sapphire
• Chase Freedom
• Chase Ink Business

You may also earn Ultimate Rewards at an accelerated rate on certain purchases or bonus categories — the typical rate is one point earned per dollar spent.

Redeeming Chase Ultimate Reward points

As a general rule of thumb, one point equates to $0.01 in redeemable value. This can fluctuate, however, depending on how you decide to redeem your points. When it comes to travel there are three main ways to redeem Ultimate Rewards points:

• Booking travel directly through the Chase travel portal.
• Transferring your points to Chase travel partners, such as airlines and hotels.
• Redeeming your points for gift cards or statement credits.

Using Ultimate Rewards points for travel

If you decide to redeem your Chase Ultimate Rewards to book travel, you may want to know what your options are. The main way you can redeem your points is through the Chase travel portal. There, you can directly find, book and pay for travel expenses such as flights, hotels, car rentals, cruises, tours and other activities or transfer points to hotel and airline partners.

When transferring your Ultimate Rewards to Chase travel partners, i.e. airlines and hotels, the transfer ratio is typically 1:1. That means that however many Ultimate Rewards points you have, you'll have the same amount in partner points with whichever Chase Ultimate Rewards travel partner you choose.

Why book through Chase Travel portal?

Something to note when using the portal is that the value of your points can change depending on which card you have.

For instance, if you have the Chase Freedom Unlimited ® card, your points are worth one cent each. With the Chase Sapphire Preferred ® or Ink Business Preferred ® cards, your points are each worth 1.25 cents. You'll get the highest value with the Chase Sapphire Reserve ® , as points are worth 1.5 cents each in the travel portal with that card.

If you have multiple eligible cards, you can combine your points to get the most out of them.

One of the benefits of booking through the Chase travel portal is that you can earn points on paid reservations. For instance, with Chase Sapphire Reserve ® you can earn 5x points on airfare and 10x points on hotels and rental cars booked through the portal.

You can book flights, hotels and rental cars directly through the travel portal, but if you want to book a cruise using Ultimate Rewards points, you'll have to call Chase directly.

There's no right or wrong when it comes to how to redeem Chase Ultimate Rewards points. However, if you've been bitten by the travel bug, you may find the best way to use them is by transferring them to Chase partners or booking through the Chase travel portal. Take some time to compare points transfers and the travel portal and see which one helps you make the most out of your points.

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How (and why) to combine your Chase Ultimate Rewards points into a single account

C hase's Ultimate Rewards program can offer some incredible value. It's no surprise that the currency regularly appears near the top of TPG's monthly valuations , checking in at 2.05 cents per point in our August 2024 iteration.

One of the best things about the Ultimate Rewards program is how flexible the points are, not only when it comes to your redemption options but also when you're looking to transfer points between your Chase credit cards .

Looking for a convenient way to see all of your transferable Chase points in one place? Download the free TPG app!

In fact, it's among the most customer-friendly transferable points programs along these lines. By combining Ultimate Rewards points in a single account, you can effectively add up to 50% in value to some of your cards.

With the solid offers across the Chase product portfolio, now could be the perfect time to familiarize yourself with this strategy for maximizing your Chase points.

So, here's a tutorial on how to transfer Ultimate Rewards points between accounts and discuss when to consider doing so.

Overview of the Chase Ultimate Rewards program

Before we get started, here's a list of the major cards that participate in the Ultimate Rewards program:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Chase Freedom (no longer available to new applicants)
• Chase Freedom Flex®
• Chase Freedom Unlimited®
• Ink Business Preferred® Credit Card
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

(Note that the Ink Business Premier® Credit Card is also issued by Chase, but you can't combine those rewards with other cards. They remain as cash back.)

The information for the Chase Freedom credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The savvy readers out there may notice that there are five cash-back cards included on this list (the three Freedom products along with the Ink Cash and Ink Unlimited). While it's true that these cards officially earn cash-back rewards, they do still fall under the Ultimate Rewards program . They become particularly valuable when you hold them in conjunction with the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.

That's because you can combine the rewards you earn across all of your Ultimate Rewards cards into a single account. As such, you can convert all the rewards earned by these cash-back cards into fully transferable Ultimate Rewards points if you have a Sapphire Reserve, Sapphire Preferred or Ink Business Preferred.

This is the enduring power of my favorite combination of credit cards, what I call the "perfect Chase quartet," which consists of the following:

However, the ability to combine your points isn't limited to your own accounts. You can do this with a household member as well.

When it comes to combining Ultimate Rewards points, there are two different types of transfers you can make:

• Transfer points between two accounts where you're the primary cardholder
• Transfer points between an account where you're the primary cardholder and one where someone else is the primary cardholder

Here's a step-by-step look at each of these scenarios.

Related: Around the world: How to spend 1 million Chase Ultimate Rewards points

How to set up your Ultimate Rewards account

The first thing you'll need to do is ensure that your Ultimate Rewards-earning credit cards are all associated with the same online account. If you haven't set up online access, start on the Chase website and click "Not enrolled? Sign up now" on the right-hand side of the page.

If you already have a Chase account and applied for a new Ultimate Rewards card, it should automatically appear shortly after getting approved. To make sure, log in to your account and click on "Account Activity." Scroll down and look for the new card.

Note that you can have other (non-Ultimate Rewards) accounts associated with the same Chase username. I currently have several others on the same online account, making it easier to manage all my cards.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

How to combine Chase Ultimate Rewards points

Once you set up your online account, the process for both types of transfers begins the same. Start by logging in to the Chase account from which you want to transfer points — be it yours or a household member's account. Click on an Ultimate Rewards card from the homepage and then click "Redeem" next to your rewards balance.

This will launch the Ultimate Rewards portal. At the top, click on "Rewards details" to see the "Combine points" option.

Here is where things start to differ, depending on whether you're combining points from two of your accounts or if you want to transfer your points to someone else. The easier of the two involves combining points on two accounts where you're the primary cardholder on both accounts.

Related: 10 best ways to use 100,000 Chase Ultimate Rewards points

How to transfer Chase points between your cards

After clicking the "Combine points" option, choose the account from which you want to transfer your points and the account where you'd like the points deposited. Note that in this screenshot, I'm transferring points from my Chase Freedom Flex to my Chase Sapphire Reserve.

Then click "Next" at the bottom.

On the next page, you must type in the exact number of points you want to move. Note that, unlike transferring Ultimate Rewards points to travel partners, you don't have to stick to multiples of 1,000 points. You can move any number of points between your accounts.

When you're ready, click "Review" at the bottom of the page.

Review the details (including the terms and conditions at the bottom), then click "Submit" when you're ready to process the transfer.

The next page will confirm that the transfer was successful.

Your new balance should also be reflected at the top of the page, as these transfers happen instantaneously.

Related: From international business class to domestic hops: 6 of the best Chase Ultimate Rewards sweet spots

How to transfer Chase points to another person

In addition to combining your points in a single account, you can also use this functionality to transfer points to (or from) another person's account.

However, before doing so, read the terms and conditions of combining Ultimate Rewards points (emphasis mine):

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household . If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards or manufacturing spend, repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account.

When you transfer points between your own accounts, you're clearly within the bounds of these terms. However, when you transfer points to someone else's Ultimate Rewards accounts, they must be a member of your household (or an owner of the business for Chase Ink cards ).

Currently, the first time you transfer points to another individual's account, you'll need to call the number on the back of your card. Explain to the agent that you'd like to combine your points with a household member. The agent will ask for the card number of your household member, but then you can initiate a transfer.

After calling, your household member's account should appear as an eligible account to transfer points to online. So, you should only need to call once — unless you or your household member decide to remove the account.

Once you've added a household member's account, the process is identical to what I outlined above. You'll choose how many points to transfer, review the details and then submit the transfer request.

Related: The top 5 credit cards for maximizing Chase Ultimate Rewards earnings

When to transfer Ultimate Rewards points between accounts

Now that you know how to combine Ultimate Rewards points into a single account, you may wonder when it makes sense to do so. Here are three times you'll want to consider combining Ultimate Rewards points into one account.

Converting cash-back rewards to Ultimate Rewards points

As I discussed earlier, cards like the Chase Freedom Unlimited are not simply cash-back cards. If you also have a premium card, such as the Chase Sapphire Reserve or Chase Sapphire Preferred, you can convert your cash-back rewards into Ultimate Rewards points. Ultimate Rewards points are worth at least 25% more when redeemed directly for travel, but you can also transfer to partners like Hyatt and United for even more value.

For example, let's say you have both the Sapphire Preferred and Chase Freedom Unlimited. The Freedom Unlimited offers these bonus categories that the Sapphire Preferred does not.

• 3% back on drugstore purchases
• 1.5% back on all other purchases

However, those cash-back rewards can be converted into full Ultimate Rewards points if you also have the Sapphire Preferred. As a result, this is equivalent to earning 3 Ultimate Rewards points per dollar spent at restaurants and drugstores plus 1.5 Ultimate Rewards points on all other purchases. That's better than using the Sapphire Preferred for these purchases — which would be just 1 point per dollar.

This gets even better with the redemption options. With a cash-back card like the Freedom Unlimited, your rewards are generally worth just 1 cent apiece (though Chase occasionally runs specials for gift cards or even Apple products). But with the Sapphire Preferred or Ink Business Preferred, your points are worth 1.25 cents when used through Chase Travel℠, and this jumps to 1.5 cents for the Sapphire Reserve.

But if you want the potential for even more value, combining your rewards with either Sapphire Card enables you to transfer points to the program's various travel partners. If you can redeem them for the full amount of TPG's most recent valuations , your value jumps even more.

This is also a great option if your partner or spouse only has cash-back cards with no annual fee — which is precisely the case in my family. My wife has an Ink Cash and Freedom Unlimited, and we periodically transfer her rewards into my Chase Sapphire Reserve account. I can then use these points for more valuable redemptions than she'd get on her own.

Boosting accounts for a specific redemption

Another reason to combine points is if you have a specific redemption in mind. You can book some outstanding awards with Ultimate Rewards points, but you may not have enough points in your account for the one you want. If your designated household member has some extra points, they could transfer those points to you through Ultimate Rewards so you can book the redemption you want.

When you want to cancel a card

A final rationale for combining points is if you want to cancel a card . For example, if you have the Chase Sapphire Preferred and want to pick up the Chase Sapphire Reserve, you can't have both at the same time . While it may make more sense to downgrade to a card like Freedom Unlimited , you might want to cancel instead.

Before doing so, transfer your rewards to another of your accounts (or to your designated household member). That way, you don't lose your rewards.

Related: Here's why you should never close your credit cards before the 1-year mark

Bottom line

The Ultimate Rewards program is incredibly valuable, and much of that value comes from the flexibility of the points you earn. You can transfer to various travel partners, but you can also combine points across your accounts or transfer points to a designated household member.

If you've recently signed up for a new Ultimate Rewards-earning card like the Chase Sapphire Reserve or Chase Sapphire Preferred Card , I hope this post has given you some insight into how you can extend the value of your points even further.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

3 things you’re doing wrong with the Chase Sapphire Reserve

How to get more value from your chase sapphire reserve , the bottom line, stop making these 3 mistakes with your chase sapphire reserve. do this instead.

You're wasting money if you don't take advantage of this card's fantastic rewards and benefits.

Jason Steele

Credit card expert and founder of CardCon

As a freelance personal finance writer since 2008, Jason has contributed to over 100 outlets including Forbes, USA Today, Newsweek, Time, U.S. News, Money.com and NerdWallet. As an industry leader, Jason has spoken at dozens of conferences and is the founder and producer of CardCon, an annual conference for credit card media. Jason also consults with individuals and small business owners to create customized plans to help them earn and spend travel rewards. He can be reached via his website, JasonSteele.com and on LinkedIn.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Chase Sapphire Reserve®️ isn’t living up to its potential for a lot of cardholders. At least, that’s what I’ve seen as a credit card expert who advises people on how to get the most out of their cards. 

In fact, I’d say a significant percentage of Sapphire Reserve cardholders are using it wrong, and aren’t receiving all of the rewards and benefits they deserve.

When the Sapphire Reserve was first introduced, it took the credit card world by storm. Since then, it’s proved to be as powerful as it is popular. However, perhaps because it’s so widely used by those new to travel rewards, I’ve seen many cardholders fail to appreciate some of its most valuable features.

There are three ways that Sapphire Reserve cardholders can earn the most value from their card: earning rewards, redeeming rewards and maximizing benefits. However, these are the areas where cardholders tend to miss out.

1. You’re not booking through Chase Travel℠

The Sapphire Reserve is a premium travel rewards card, so it makes sense that most cardholders are frequent travelers. 

However, many cardholders aren’t aware that Chase offers outstanding opportunities to earn bonus points when you book travel through the Chase Travel portal. While it doesn’t always make sense to book through Chase, you can earn 5x Ultimate Rewards points on airfare, and an astounding 10x on hotels. 

2. You redeem all of your points through Chase Travel

Chase loves to advertise its travel site. It touts that cardholders can receive “50% more value” by redeeming their points through Chase Travel, and that there are “no blackout dates or restrictions.” While these claims are true, it’s still a bad idea to focus only on using Chase Travel when redeeming your points. 

First, the claim that you’re receiving “50% more value” means that you receive 1.5 cents in value per point redeemed, which is 50% better than some other award options such as cash back and gift cards. But it doesn’t account for the possibility of receiving even more value when transferring your rewards to airline miles or hotel points (we’ll get to that a little later). 

3. You skipped the guide to benefits

When you first received your Chase Sapphire Reserve, you also received plenty of paperwork, including the cardholder agreement and other legal documents. Buried in there was the guide to benefits, which lists all of the travel insurance and shopping protection policies offered to you.

While I’ll admit it isn’t exciting to read, you really want to take a few minutes to go through this, as it includes some incredibly valuable perks. And when you don’t know about these perks, you could miss out on reimbursements or pay extra to buy unnecessary travel insurance or extended warranties. 

Now that you know what you’re doing wrong, here’s how to turn the situation around and start leveraging this powerful card. 

To earn more rewards, make reservations through Chase Travel

When shopping around for airfare and hotels, always check Chase Travel. When you’re able to purchase airfare through Chase, you’ll receive 5x Ultimate Rewards points per dollar spent. 

If each point when redeemed through Chase Travel is worth 1.5 cents, then you’re essentially earning a minimum of 7.5% back toward new travel booked through Chase, and potentially much more. When you book airfare through Chase, you’ll also be able to add your frequent flier number and earn miles from your trip. That’s why I tend to book my flights this way.

When you book hotels through Chase, you’ll earn an amazing 10x points per dollar spent, but you’ll usually be unable to earn hotel points. Still, the chance to earn rewards worth at least 15% -- because again, each point is worth 1.5 cents when redeemed through Chase Travel -- of your spending is likely better than the value of the hotel points you’d miss out on. 

When you choose a hotel from Chase’s The Edit collection, you’ll receive additional perks including daily breakfast for two, room upgrade at check-in (if available), early check-in/late check-out (if available) and a $100 property credit toward dining, spa or other activities at the property. 

Transfer points to travel partners to get more value when redeeming rewards

Instead of redeeming your Chase Ultimate Rewards points directly through Chase Travel, consider transferring your rewards to airline and hotel partners instead, where they could be worth more. 

For example, you can transfer your Chase points to Hyatt at a 1:1 ratio, and it’s often possible to receive two or three cents per point when you redeem them.

When you transfer your points to airlines and redeem those rewards for international business class awards, you can also receive several cents in value per mile redeemed. For example, Iberia offers business class flights from Boston, New York or Washington to Madrid for just 34,000 Avios each way.

Currently, a business class flight from Boston to Madrid costs $2,853 to $4,219 for a nonstop flight. If you were to get a flight for 34,000 Avios, that means you’re getting 8.4 cents per point value at the low end and 12.4 cents at the high end.

Using Flying Blue miles, you can often book business class tickets to Europe for 50,000 to 67,500 on Air France, KLM, Delta and Virgin Atlantic. Air Canada can offer business class awards to Europe for 70,000 to 85,000 miles, round-trip on its own flight and on partners such as United, Lufthansa and Swiss. In the past I’ve seen as much as 5 cents per point redeemed when I’ve booked expensive business class flights this way. 

Learn to use your Sapphire Reserve benefits

If you threw away your paper copy of the guide to benefits, don’t worry, you can easily find a copy online . Take a look at it now, before you need to use the benefits or purchase additional travel insurance. 

For example, did you know that if you get sick or injured on a trip, there’s an emergency evacuation and transportation benefit that will pay up to $100,000 to transport you home? And if your car breaks down, you can receive a free tow of up to 5 miles, along with other minor services, up to four times a year. 

You don’t even have to be traveling to use this benefit, as I’ve had my car towed after having a flat tire or mechanical breakdown around town. 

Other high-value benefits include trip delay reimbursement, baggage delay insurance, and emergency medical and dental benefits. 

With its $550 annual fee, the Chase Sapphire Reserve isn’t cheap. But its rewards and benefits are valuable enough to make it well worth its cost. By avoiding common mistakes and maximizing the features of this card, you can receive more value from using it.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

How (and when) to transfer Chase Ultimate Rewards points to Southwest

Chase Ultimate Rewards points are a favorite currency among TPG staff, in part, because you can transfer them to a variety of airline and hotel partners. I often transfer my points to Southwest Rapid Rewards , where I can redeem them for cheap award tickets to destinations in North America, Central America and the Caribbean — and sometimes stretch my points even further with the valuable Companion Pass .

However, depending on the Chase credit card you have, you may be better off booking flights directly through Chase Travel℠ , as this can require fewer points and allow you to earn Rapid Rewards points on the ticket.

Here's everything you need to know about transferring your Chase points to Southwest.

Related: How TPG's points and miles experts maximize Chase Ultimate Rewards points

How to transfer Chase points to Southwest

One of the great things about transferable points like Ultimate Rewards is that you can redeem them for award flights with airlines you've never flown or accrued miles with before. But if that's the case, you'll need to set up a Southwest Rapid Rewards account before you can transfer your Chase points to Southwest.

Head to Southwest's site to create one for free. Then, visit your Chase portal and go into your Ultimate Rewards account. Click "Travel" on the top toolbar, and choose "Transfer points to partners."

On the next screen, you'll see a list of Chase's travel partners, with any available transfer bonuses noted at the top. Scroll down, and click on the Southwest option.

This will take you to a page with some rules about transferring your points to Southwest. For instance, points transferred via the Chase portal are not eligible for Southwest status . You'll also have to pay taxes and fees on Rapid Rewards points redemptions .

After reviewing the fine print, click the blue "Transfer Points" button at the bottom right.

On the following page, you'll need to enter your Southwest Rapid Rewards number. Chase also allows you to transfer points to one authorized user on your Chase account, so you could enter their Rapid Rewards number instead. Once you complete this step, click "Next."

Then, enter the number of points you want to transfer. This must be a multiple of 1,000, so you may have to transfer a few more points than you need for your redemption.

The next page will give you a chance to review your information before processing the transfer. Remember that transfers are irreversible, so be sure you have a redemption in mind and have confirmed award space availability before you transfer. It's also a good idea to double-check the spelling of your name, your Rapid Rewards number and how many points you're transferring before you hit "Submit." An innocent typo could cause you to transfer thousands of hard-earned points when you meant to only transfer 10,000.

If you're ready to pull the trigger on your Southwest redemption , click "Submit" and wait for your points to hit your Rapid Rewards account.

According to Chase's site, "Most point transfers process by the next business day, but may take up to 7 business days." However, TPG's tests have shown that most transfers to Southwest happen instantly. That means you could be booking your award flight mere minutes after transferring your Chase points.

Related: It just got easier to use your Chase points to book Southwest Airlines flights

Chase to Southwest transfer ratio

As with all of Chase's current transfer partners , Ultimate Rewards points transfer to Southwest at a ratio of 1:1. However, you may be able to get an even better ratio if you can take advantage of a transfer bonus . Chase transfer bonuses are rare, but if you find one that aligns with your travel plans, you can save yourself thousands of points.

Related: Best Southwest Airlines credit cards

Should I transfer Chase points to Southwest?

According to TPG's August 2024 valuations , Chase points are worth 2.05 cents each while Rapid Rewards points are worth only 1.4 cents each. That's because transferable points' flexibility makes them inherently more valuable.

Since Southwest prices award flights based on cash rates, you'll typically get a value right around 1.4 cents per point when you redeem Rapid Rewards points for flights. Other Chase transfer partners, like United Airlines , Air France and World of Hyatt , have better award sweet spots where you can get outsize value from your points. So, you may want to save your Chase points to use with these higher-value transfer partners.

However, depending on your situation, Southwest may make the most sense. Take a look at Chase's other airline partners first and compare award rates and flight details. If Southwest is running a sale on your desired route or is offering flights at a better time for you than other airlines, it may be the best option. The same goes if you already have a stash of Rapid Rewards points or a Companion Pass in your account.

For instance, last year I transferred Chase Ultimate Rewards points to my Rapid Rewards account to purchase a round-trip ticket to Turks and Caicos . My ticket cost 46,000 points, but thanks to the Companion Pass I had at the time, I got my partner's ticket for just the cost of taxes and fees. As a result, I spent 46,000 Chase points on two flights that would have cost nearly $1,400 total, giving me a value of around 3 cents per point. I couldn't have gotten that kind of deal with any other airline.

But most importantly, make sure it's not a better deal to simply book your Southwest flights directly through Chase Travel. Depending on the Chase card you have, you'll get a value of 1.25 cents per point or 1.5 cents per point. Plus, flights booked this way will earn Rapid Rewards points like a normal revenue ticket. This could make it a better option, depending on the flight you're taking.

For example, this one-way flight from Orlando International Airport (MCO) to Louis Armstrong New Orleans International Airport (MSY) in February would be 12,885 points plus $5.60 in taxes and fees.

However, if you have the Chase Sapphire Reserve® (which means your points are worth 1.5 cents apiece when used to book flights through Chase Travel), you can get the same flight for just 12,132 points — and you'll earn Rapid Reward points in the process.

In fact, you're better off booking all of Southwest's fare classes directly through Chase Travel on this flight. In each case, you'll redeem fewer Chase points than if you transferred them to your Rapid Rewards account.

However, you'll need additional points to book this flight if you have the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card — which may make transferring the better option. Additionally, if you already have a decent balance of Rapid Rewards points and just need to top off your account to have enough for the award ticket, it can also make sense to transfer your Chase points to your Southwest account.

As such, it's important to always compare prices with Chase Travel and Southwest to make sure you're not using more points than you need to.

Related: Free bags and open seating: Why I choose Southwest every time

How to earn Chase points

The more Ultimate Rewards points you accrue, the sooner you can redeem your next free trip with Southwest or any of Chase's other partners. Here are some of TPG's favorite cards that will help you earn Ultimate Rewards points through welcome bonuses and everyday spending:

• Chase Sapphire Preferred Card
• Chase Sapphire Reserve
• Ink Business Preferred Credit Card

Know, though, that you're not limited to just these cards. I personally love the Chase Freedom Flex® and the Chase Freedom Unlimited® . They don't earn Ultimate Rewards points by themselves, but if you also hold one of the cards listed above, you can transfer those cash-back points into full-fledged Ultimate Rewards points and transfer them to any of Chase's partners.

Related: No-annual-fee credit cards that earn transferable points

Bottom line

If you've never transferred points from Chase, it can be a little nerve-wracking to watch the points vanish from your account and wait for them to appear in your partner account. Thankfully, the process is usually smooth and almost instantaneous. Just be sure to confirm the number of points you need, and make sure you can't get a better deal by using your points directly through Chase Travel. Then, follow the steps above to transfer your points.

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Chase Improving Credit Card Travel and Purchase Protection Benefits

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In a generally consumer-friendly move, Chase has announced changes to the travel and purchase protection benefits on its consumer credit cards. The bank will also switch its card-based insurance benefits administrator and underwriter to Assurant, a Fortune 500 global business services company. These benefits are currently administered by eClaimsline.

Chase did not release an exhaustive list of cards impacted by these changes, but according to the bank, the update will go live on Oct. 1, 2024, and covers “all brand and co-brand Chase credit cards.”

Affected cardholders will receive a revised guide to benefits outlining the new coverages for their card by Aug. 15, 2024.

» MORE : How free travelers insurance through credit cards works

What’s changing?

Auto rental coverage.

Coverage limits will change to $60,000 for eligible vehicles with a retail price of $125,000 or less. Currently, this coverage is up to the actual cash value of the rented vehicle. Cardholders will also now have 100 days to notify the benefit administrator of an accident, increased from 60 days.

Cards that will see this coverage revision include (but are not limited to) the Chase Sapphire Preferred® Card , Chase Freedom Flex® , Chase Freedom Unlimited® , World of Hyatt Credit Card and the IHG One Rewards Premier Credit Card .

» MORE : The guide to Chase rental car insurance for travelers

Emergency evacuation and transportation

The service provider will now arrange and provide for emergency transportation for qualifying events. Currently, cardholders need to pay upfront and then file a reimbursement claim.

This benefit is offered on cards bearing the Visa Infinite logo, including the Chase Sapphire Reserve® and the United Club℠ Infinite Card .

» MORE : The guide to Chase Sapphire Reserve’s travel insurance benefits

Travel and emergency assistance

This benefit is being added to “select products,” according to Chase, and provides legal and medical referrals and access to other travel and emergency assistance services. 

Examples of cards that will carry this coverage include the Chase Freedom Flex® , Chase Freedom Unlimited® , IHG One Rewards Premier Credit Card and the World of Hyatt Credit Card .

Travel accident insurance

The coverage limit is increasing to $500,000 on “select products” that already offer this benefit but with a lower coverage limit.

Examples of cards that will carry this coverage include the World of Hyatt Credit Card and Chase Freedom Flex® .

Lost luggage reimbursement

This benefit is being added to “select products,” according to Chase, and provides reimbursement up to $3,000 per covered traveler per trip for the cost to repair or replace luggage and personal property that is lost or damaged during air travel.  

Examples of cards that will carry this coverage include the United℠ Explorer Card and the Aer Lingus Visa Signature® Card .

» MORE : The guide to baggage delay or loss insurance

Extended warranty protection

The terms of this benefit are changing to $10,000 per claim and a maximum of $50,000 per year. Previously, those same coverage limits applied to the lifetime of the account and did not reset each year. 

Chase has not released which cards will acquire this benefit.

» MORE : Chase purchase protection: What to know

Trip cancellation/interruption insurance

This benefit is being upgraded on the United Gateway℠ Card to cover additional family members and more qualifying reasons for submitting a claim.

To qualify for these travel and purchase protections, you must use your applicable Chase card for the full cost of your purchase. Other purchases will not be protected.

» MORE: Does my Chase credit card have travel insurance?

More coverage when you need it

Consumer protections are one of the many reasons NerdWallet recommends shopping with a credit card . Increased coverage limits combined with an expanded list of cards that carry these benefits are a good thing for individual Chase cardholders. These perks can make it less stressful when things go wrong, especially when you’re away from home.

» MORE: Best Chase credit cards

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

75,000 Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.