Chase Transfer Partners: Best Ways to Use Your Ultimate Rewards | Thrifty Traveler
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Chase Transfer Partners: How to Get More From Your Chase Points

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When it comes to points and miles, it doesn’t get much better than Chase.

The points you earn from cards like the Chase Sapphire Preferred Card and Chase Sapphire Reserve are simply more valuable and versatile than almost anything you can earn. And that’s because there are so many great ways to use them.

Using the points you’ve earned to book flights directly through the Chase travel portal is one solid option – and booking the flight deals you find here is one of our favorite ways to use Ultimate Rewards points. But you can also transfer those points directly to 10 airlines and three hotel brands.

That gives your points immense flexibility that shouldn’t be overlooked. And in many cases, sending your points to Chase transfer partners can get you far more value – especially if you’re looking to fly first and business class. 

We’ll give you a rundown of how to transfer Chase points – and the best ways to do it right. 


All the Chase Transfer Partners

Before we get into the “how?”, let’s cover the “where?” As in, where can you transfer your Chase Ultimate Rewards points? 

Below are the current options, as well as how long it takes to move points to each Chase transfer partner.


Chase Ultimate Rewards Airline Transfer Partners

ProgramTransfer RatioTransfer Time
Aer Lingus1:1Instant
Air France/KLM1:1Instant
British Airways1:1Instant
Iberia Plus1:1Instant
Singapore Air1:112-24 hours
Southwest Airlines1:1Instant
United Airlines1:1Instant
Virgin Atlantic1:1Instant

Soon this list will grow even more. Aeroplan is set to join the fold of Chase transfer partners sometime in 2021.


Chase Ultimate Rewards Hotel Transfer Partners

ProgramTransfer RatioTransfer Time
World of Hyatt1:1Instant
IHG1:11 day
Marriott Rewards1:12 days

It’s worth noting that every single one of these Chase transfer partners has a 1:1 transfer ratio. That means 10,000 Chase Ultimate Rewards points can become 10,000 United MileagePlus miles. Or 10,000 Virgin Atlantic miles. Or 10,000 Southwest Rapid Rewards points. Or 10,000 World of Hyatt points.

That’s the versatility that makes Chase points shine. One other thing to keep in mind: You have to transfer points in increments of 1,000. So you won’t be able to top-up one of your airline mileage accounts if you’re just a few hundred miles short.


The Best Chase Transfer Partners

There are a lot of sweet spots here to highlight.


chase transfer partners

  • With cheap domestic flights starting at 5,000 miles each way, round-trip to Europe for 60,000 miles and 35,000 round trip to the Caribbean, United can be a competitive optionJust keep in mind that United has switched to an unpredictable dynamic award system, so prices can vary wildly.
  • Want to fly in serious style? Transferring points to Emirates is easily the best way to book Emirates first class, whether you want to fly from the U.S. to Dubai (DXB) or hop on a fun fifth-freedom route to Europe instead! Read more on booking with Emirates miles.
  • Singapore Air’s KrisFlyer Miles program is a strong option because it is so easy to pile up points. American Express Membership Rewards, Citi ThankYou Points, Capital One Venture Miles, and Marriot Bonvoy all transfer to Singapore, too. Transferring miles to Singapore is your only way to book business or first class on one of the world’s best airlines.
  • Hyatt is far and away one of the strongest Chase transfer partners. That’s largely because the hotel chain’s low award rates make it easy to get an outsized value on amazing hotels worldwide. Check one of our favorite ways to use Hyatt points for all-inclusive resorts!

Need some ideas on how to use these transfer options? Check out our guide on the best ways to redeem a big stash of Chase points!

What About Chase Transfer Bonuses?

For years, Chase has looked stingy compared to other banks when it comes to offering transfer bonuses. That has started to change.

These bonuses are basically free miles, which makes them outstanding. Instead of transferring your points to an airline (or hotel chain) on a 1:1 basis, you get a bonus of anywhere from 10% to as high as 40% or even more on select airlines.
chase transfer partners bonus

While they’re nowhere near as frequent as we’ve seen with American Express, Chase has begun offering more and more transfer bonuses. Here’s a look at what we’ve seen in the last year or so:


That’s pretty much it thus far, but the emergence of Chase transfer bonuses bodes well for the future. Fingers crossed that Chase continues offering these bonuses, as they’re one of the best ways to get even more out of your points.


How to Transfer Your Chase Points

Now you know where and why, here’s how to send your points to all the different Chase transfer partners. No matter which airline or hotel chain you’ve got in mind, the process looks the same.

Thrifty Tip #1: You’ll need an account with that airline or hotel chain before you start the transfer. Creating one is free and only takes a few minutes.

First, you’ll need to log in to your Chase account and navigate to your Ultimate Rewards portal. Once you’ve done that, head to the “Transfer to Travel Partners” page pictured below.
chase transfer partners walkthrough

From here, you can select your preferred partner from the list, then enter how many points you’d like to transfer over. As laid out above, most transfers from Chase will be instantaneous, but transfers to Singapore may take up to a day or longer. 

Just beware: Once your transfer goes through, you can’t pull those miles back into your Chase account. That makes it critical to do your research and make sure sending your miles to that partner is the best way to go beforehand. That includes making sure there’s award space for the flights you want to book.
chase transfer partners walkthrough

Don’t forget that you can also pool points balances with significant others and family members. Head to “Combine Points” in the Ultimate Rewards menu and select “Add Household Member.” Chase allows pooling points as long as the billing address matches the account you’re sending points to.
chase transfer partners

Once here, Chase requires the account number of the cardholder you are transferring points to, as well as their last name.
chase transfer partners


How to Build Your Chase Points Balance

These strategies don’t mean a thing if you don’t have any Chase Ultimate Rewards points to your name. Luckily, it’s easier than ever to pile up Chase points.

The Chase Sapphire Preferred Card is easily the best travel credit card on the market right now. That’s due in part to a best-ever bonus of 100,000 Ultimate Rewards points after spending $4,000 in the first three months. You’ll also earn 2x points for every $1 spent on travel and restaurants, 2x on groceries through the end of April, and 5x on Lyft rides through March 2022.  

With just a $95 annual fee, it’s more than reasonable. And considering you’ll get at least $1,250 toward travel when booking through the Chase travel portal (or much more by using these Chase transfer partners), that’s a ton of value for a cheap travel credit card.

Read our full review of the Chase Sapphire Preferred!


chase sapphire preferred
Click Here to get more information about the Chase Sapphire Preferred Card. 
For the more seasoned traveler looking for premium perks, the Chase Sapphire Reserve is hard to beat. That’s because it comes with an outstanding set of benefits like an easy-to-use $300 annual travel credit, a free Priority Pass lounge membership, $100 toward Global Entry or TSA PreCheck enrollment, and much more. Those perks can easily outweigh the $550 annual fee – at least when travel returns to normal. 

And the bonus is bigger here, too: 60,000 Ultimate Rewards points after spending $4,000 in the first three months. If you hold the Sapphire Reserve, every point gets you 1.5 cents when booking directly through Chase. You’ll also get 3x points on every travel and dining purchase.
chase sapphire reserve
Click Here to learn more about the Chase Sapphire Reserve.
Unfortunately, you can’t stack both bonuses. Chase restricts cardholders to just one card at a time, and you can’t earn the bonuses within 48 months of each other. These (and most Chase cards) also fall under the dreaded Chase 5/24 rule, which means you won’t get approved if you’ve opened five or more credit cards from any bank within the last 24 months.

Thrifty Tip #2: Need help deciding which Chase Sapphire card is right for you? Read why we think the Preferred Card is the much better choice right now.

It’s also worth considering cards like the Chase Freedom Flex and Freedom Unlimited, some of our top no-annual-fee cards with a welcome bonus of up to 20,000 points. Both are great cards to cash in on your everyday spending, and they make perfect partners with a Chase Sapphire card.


Bottom Line

Transferring Chase points is one of the best ways to use them. It can take a while to learn the ins and outs, but once you do, you can get some serious bang for your buck.

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

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

3 Responses

  • Hi! I tried to look into transferring points to Soutwest from my Chase as indicated in your article. However, when I sign into Chase Ultimate Rewards, I don’t have the same options as you do. The transfer points option is simply missing. Anyone else experience this?

  • I’m in the early stages of navigating this points & miles traveling landscape so I think I may have misunderstood the 5/24 rule. I thought I was at 1/24 because I’ve just recently received my Chase Sapphire Preferred, and my other Chase card (SWA Premier) account was opened in 2012. However, your article states ANY card with any bank in the last 24 months. I upgraded my DL SkyMiles Amex from Platinum to Reserve last October, and also opened a business DL Amex Platinum card last year. Do those count against me as well, making me 3/24 vs 1/24? I was planning to get 2 new SW Chase cards in Nov/Dec (to go for a CP through 2021) as well as the CFU and possibly the business Ink Preferred. Just want to know if I have to revamp my plan.

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