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 and Chase Sapphire Reserve are simply more valuable and versatile than almost anything you can earn. And that’s largely because there are so many great ways to use them.
Using the points you’ve earned to book flights directly with Chase is one solid option – and 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 eight airlines and four hotel brands. That gives your points immense flexibility that shouldn’t be overlooked.
We’ll give you a rundown of how to transfer Chase points – and the best ways to do it right.
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|
And there are a lot of sweet spots here to highlight.
- Keep Iberia in mind if you have some short domestic flights coming up. The airline’s distance-based award chart means flights less than 600 miles round-trip miles will run you just 11,000 miles total. Between 601 miles and 1,000 miles, it’s just 12,000 miles round-trip. That’s a steal compared to the 25,000 miles round trip that many airlines charge. These flights will fly on American Airlines aircraft due to their partnership with Iberia.
- Iberia also has one of the cheapest ways to get to Europe in either economy or business class. For just 34,000 miles, you can get to Madrid (MAD) and back almost any time of the year. Iberia’s business class starts at only 68,000 miles round trip, which is roughly what most airlines charge for economy.
- British Airways offers one of the best ways to get to Hawaii. For just 26,000 miles, you can fly from Los Angeles (LAX) or Phoenix (PHX) direct to the islands on American Airlines – when American itself charges 45,000 miles for the exact same flights.
- Virgin Atlantic is one of our favorite ways to save SkyMiles and book flights on Delta. Their partnership allows you to book even Delta One suites for as low as 50,000 miles each way – when Delta often wants 200,000 SkyMiles or more for a trip to Europe in business class.
- 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 option. Just keep in mind United is switching to an unpredictable dynamic award system later this year.
- 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 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 chains low award rates make it easy to get an outsized value on amazing hotels worldwide.
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 requires 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 60,000 Ultimate Rewards points after spending $4,000 in the first three 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. So that 60,000-point bonus is worth at least $750 toward travel. And the $95 annual fee is reasonable, easily worth these perks.
Click Here to get more information about the Chase Sapphire Preferred Card.
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 can easily outweigh the $550 annual fee.
You’ll get 50,000 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. Even further, you’ll get 3x points on every travel and dining purchase.
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 fall under the 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? 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 up to 15,000 points. Both are great cards to cash in on your everyday spending.
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.