How to Transfer Chase Ultimate Rewards Points to Partner Airlines
We are big believers that Chase bank’s travel rewards cards are some of the most valuable in the marketplace today. Chase Ultimate Rewards points, the points these cards earn, are simply more versatile than anything else out there.
Using the points you’ve earned to book flights directly with Chase is one solid option. Further, booking the flight deals you find here is one of our favorite uses of Ultimate Rewards points. But you can also transfer those points directly to nine airlines and four hotel brands. That gives your points immense flexibility that shouldn’t be overlooked.
In this post, I will provide a rundown of how these transfers work and how to do it wisely.
Plethora of 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 from your Chase account to an airline or hotel brand.
|Program||Type||Transfer Ratio||Transfer Time|
|Singapore Air||Airline||1:1||12-24 hours|
|World of Hyatt||Hotel||1:1||Instant|
|Marriott Rewards||Hotel||1:1||2 days|
- Keep British Airways in mind if you have some short domestic flights coming up. The airline’s distance-based award chart means flights less than 1,150 miles will run you just 7,500 each way. That’s a steal compared to the 25,000 round trip many airlines charge. These flights will fly on American Airlines aircraft due to their partnership with British Airways.
- With flights 60,000 miles round trip to Europe and 35,000 round trip to the Caribbean, United is always a competitive option.
- Singapore Air’s KrisFlyer Miles program is a strong option, largely because it is so easy to pile up points. American Express Membership Rewards, Citi ThankYou Points, and Starwood Preferred Guest 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. However, the airline is also expanding its ability to book online with partner airlines.
How to Transfer Chase Ultimate Rewards Points
Chase allows you to transfer Ultimate Rewards in 1,000-point increments to any of the partners listed in the table above. When you do so, the points transfer on a 1:1 basis.
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.
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 a few like Singapore and Korean Air 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.
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.
Once here, Chase require’s the account number of the cardholder you are transferring points to, as well as their last name.
How to Build Your Chase Ultimate Rewards Balance
These strategies don’t mean a thing if you don’t have any Chase Ultimate Rewards points to your name.
The Chase Sapphire Preferred is our #1 starter card. It offers a sign-up bonus of 50,000 Ultimate Rewards points after spending $4,000 in the first 3 months and earns you 2x points for every $1 spent on travel and restaurants. If you book directly through the Chase Ultimate Rewards portal, every point gets you 1.25 cents toward your ticket.
For the more seasoned traveler, the Chase Sapphire Reserve is our #1 travel rewards credit card. That’s because it comes with an outstanding set of benefits like a $300 annual travel credit, a free Priority Pass lounge membership, $100 toward Global Entry or TSA PreCheck enrollment and much more. Those perks easily outweigh the $450 annual fee.
You’ll get 50,000 Ultimate Rewards points after spending $4,000 in the first 3 months. If you hold the Sapphire Reserve, every point gets you 1.5 cents when booking directly through Chase. Even further, you’ll get 3x points on every travel and dining purchase.
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 24 months of each other. These and most Chase cards fall under the 5/24 rule.
Thrifty Tip #2: Need help deciding which Chase Sapphire card is right for you? See our guide here.
It’s also worth considering cards like the Chase Freedom and Freedom Unlimited, some of our top no annual fee cards with a welcome bonus of 15,000 points. Both are great cards to cash in on your everyday spending. Right now, Chase has a special promo running where you can get 3x points on every dollar you spend on the Freedom Unlimited card for a year.
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