Published April 24, 2024
Fact Checked
Nathan Alderman
Several credit card companies allow for rewards points to be transferred to various airline and hotel partners, but Chase Ultimate Rewards points are some of the most transferable of all. Not only are there more than a dozen travel partners that accept Ultimate Rewards transfers on a one-to-one basis, but many transfers happen instantly and the transfer process itself is very easy to navigate.
In this guide, we'll discuss which Chase credit cards allow point transfers, we'll list the airline and hotel loyalty programs that allow Ultimate Rewards transfers, and we'll take you step by step through the process of transferring Ultimate Rewards points.
Chase credit cards that allow point transfers
Chase is the bank behind dozens of credit cards, but not all of them have transferable points. For example, the Prime Visa earns rewards that can be redeemed toward Amazon purchases, and these can't be transferred to an airline or hotel partner.
On the other hand, there are a few Chase credit cards that earn Chase Ultimate Rewards® points, and these are not only some of the most valuable credit card reward points in the market, but they also have some of the best options when it comes to transferring points to partners.
Specifically, these Chase credit cards allow points to be transferred to partners (we'll go through a list in the next sections):
As of May. 08, 2024
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| Chase Sapphire Preferred® Card | Chase Sapphire Reserve® | Ink Business Preferred® Credit Card |
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
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Welcome Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. 75,000 bonus points |
Welcome Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠. 75,000 bonus points |
Welcome Offer: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Earn 100,000 bonus points |
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Rewards Program: 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. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Rewards Program: 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. 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. |
Rewards Program: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 3 points per $1 in select business categories |
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Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
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Regular APR: 21.49%-28.49% Variable |
Regular APR: 22.49%-29.49% Variable |
Regular APR: 21.24%-26.24% Variable |
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Annual Fee: N/A $95 |
Annual Fee: N/A $550 |
Annual Fee: N/A $95 |
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Highlights:
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Highlights:
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Highlights:
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
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To be sure, these are not the only cards that earn Ultimate Rewards points. But they are the only three that allow point transfers.
It's also worth noting that there are a few Chase credit cards that earn cash back. These are the Chase Freedom Flex℠, Chase Freedom Unlimited®, Ink Business Cash® Credit Card, and Ink Business Unlimited® Credit Card. If you have one of these cards, the cash back you earn isn't transferable as points all by itself. However, if you have one of the three cards in the list above, you are allowed to combine your reward points into a single account, and the rewards you earn from these cash back cards can become transferable points.
Transfers must be completed in 1,000-point increments, and all transfers are at a 1-to-1 ratio. There are occasional transfer bonuses to incentivize cardholders to transfer their points to certain partners. For example, you might see a 25% transfer bonus with a specific airline partner.
Chase airline transfer partners
There are 11 airline loyalty programs that allow Chase Ultimate Rewards points to be transferred on a one-to-one basis:
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- British Airways Executive Club
- Emirates Skywards
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United Airlines MileagePlus
- Virgin Atlantic Flying Club
Chase hotel transfer partners
In addition to its airline partners, Chase also has three hotel partners to which Chase Ultimate Rewards points can be transferred:
- IHG One Rewards
- Marriott Bonvoy
- World of Hyatt
In addition to these airline and hotel partners, you can also transfer Chase Ultimate Rewards points to another person. They must have an Ultimate Rewards account of their own, and just like airline and hotel transfers, points must be transferred in increments of 1,000.
How long do Chase Ultimate Rewards transfers take?
The official guidance from Chase indicates that after you complete the steps to make an Ultimate Rewards transfer, which we'll outline in the next section, the transfer should post "within several business days."
In practice, the transfers often happen significantly faster. There are several third-party accounts of most Chase Ultimate Rewards transfers happening instantly, with a few specific programs taking as long as two business days. Also, if there's a transfer bonus offer, there are reports that the transferred points and the bonus points might show up in two separate transactions.
How to transfer Chase points
The process of transferring Chase Ultimate Rewards points is a rather easy one.
- First, log in to your Chase account and navigate to the Chase Ultimate Rewards portal. This can be done from either a smartphone or a computer.
- At the top of the Ultimate Rewards dashboard, there is a section called "Transfer to Travel Partners." Click on this.
- Select the transfer partner you want. You'll either need a loyalty program account with the transfer partner, or you'll need to make one prior to transferring. In other words, if you don't have a Marriott Bonvoy account, you'll need to make one. After all, the transferred points need somewhere to go.
- Enter the number of points you'd like to transfer. Remember that these have to be in increments of 1,000.
- Finally, confirm the transfer. As mentioned, many transfers take place instantly, but don't be alarmed if this isn't the case. Be sure the name on your Chase account is the same as the name on the account you have with the transfer partner.
Chase Ultimate Rewards home screen.
"Transfer points to partners" option from Ultimate Rewards home screen.
See more of what Chase has to offer
To explore Chase credit cards and get the full rundown of perks available, check out our guide to the best Chase credit cards.
FAQs
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There is no charge to transfer Chase Ultimate Rewards points to another account, another person's Ultimate Rewards account, or to one of Chase's 14 airline and hotel partners.
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It depends on how you use them and which card you have. The three Chase cards that allow point transfers all have a bonus value for points when redeemed directly for travel through Chase's portal, making them worth $0.0125 to $0.015 each. However, if you can find a good mileage redemption deal through an airline's loyalty program, it's not uncommon to get $0.02 or more in value per mile.
The short answer is that if you find a good deal on a redemption flight through an airline (or if you get a transfer bonus from a promotion), transferring your miles can be an excellent value.
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Unlike with certain other airlines, Delta and American are not Chase Ultimate Rewards transfer partners, so you can't transfer your rewards points into their loyalty programs to book tickets. However, you can use the Chase Ultimate Rewards travel portal to book flights on these airlines directly with your Ultimate Rewards points. In fact, with some of the point-earning cards, you'll get a 25% or 50% bonus on redeemed points.
Our Credit Cards Experts
Matt is a Certified Financial Planner™ and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice for The Ascent and its parent company The Motley Fool, with more than 4,500 published articles and a 2017 SABEW Best in Business award. Matt writes a weekly investment column ("Ask a Fool") that is syndicated in USA Today, and his work has been regularly featured on CNBC, Fox Business, MSN Money, and many other major outlets. He’s a graduate of the University of South Carolina and Nova Southeastern University, and holds a graduate certificate in financial planning from Florida State University.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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