Chase transfer partners: Guide to maximizing Ultimate Rewards points

You did it: You accumulated a cache of Chase Ultimate Rewards points, one of the most valuable credit card reward currencies out there, and now it’s time to redeem them. 

But where to begin? Let’s start with which Chase credit cards you hold.

For Chase travel rewards cardholders, Chase Ultimate Rewards points are a transferable currency. That means you can move your points to one of Chase’s airline or hotel partners, an option that often yields the best value.

But those cardholders, as well as those who hold one of Chase’s cash-back cards, can also redeem points through Chase Travel℠ for things like car rentals and experiences or to book hotels and flights directly.

With all these options, it’s important to understand how to snag the best value for your hard-earned points. This guide will outline the eligible cards, best transfer partners, the transfer process and how to decide when transferring makes sense.

Which Chase credit cards let you transfer points?

Chase offers several cards that earn Ultimate Rewards points, but not all of them allow point transfers to partners. However, there is a workaround: As long as you hold at least one of the cards that allows transfers, you can pool points you earn with the non-transfer-eligible cards under your eligible card.  

Cards with direct transfer access

• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®
• Ink Business Preferred® Credit Card
• Sapphire Reserve for Business(SM)

Cards that earn Ultimate Rewards but do not offer direct transfer access

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

Chase transfer partners at a glance

Chase has 10 airline partners and four hotel partners. Most allow transfers at a 1:1 ratio, though there are sometimes bonus offers that boost that ratio. 

*Chase advises “Most point transfers process by the next business day, but may take up to 7 business days.” However, anecdotal experience is that points usually transfer instantly.

**Aer Lingus participates in the Avios program shared with British Airways, Iberia Airlines and Qatar Airways; therefore, you can redeem Avios with any of these airlines and their partners, but each airline offers differing redemptions.

***World of Hyatt transfers remain at 1:1 for Sapphire Reserve and Sapphire Reserve for Business cardholders. Sapphire Preferred and Ink Business Preferred cardholders who applied on or after June 15, 2026, transfer at a 4:3 ratio; those who applied for those cards earlier retain the 1:1 ratio through Sept. 30, 2026.

 ➤  LEARN MORE:Best Chase credit cards

Complete list of Chase airline transfer partners

Chase features an impressive array of both domestic and international airline partners, so you have good options when it comes to redeeming your Ultimate Rewards for an award flight.

Aer Lingus AerClub

The best redemption opportunity for AerClub is from the U.S. East Coast to Dublin and Dublin to mainland Europe. For example, during an off-peak season, you could book a one-way economy flight from Boston to Dublin for 13,000 Avios. Spend a few days exploring Dublin, then take a 4,000-Avios flight from Dublin to Paris to continue your getaway.

Air Canada Aeroplan

Air Canada is part of the Star Alliance, so many of the best redemptions involve business- or premier- cabin award flights on partner airlines. Air Canada publishes an award chart, so you can easily determine the miles needed for a flight with Air Canada or its partners. For example, you can fly business class from Los Angeles to Tokyo for 85,000 miles with select partners. Alternatively, you can fly short-haul flights within North America starting at 6,000 miles.

Air France-KLM Flying Blue

Air France and KLM share the Flying Blue rewards program. Both offer monthly promo awards that significantly reduce the number of miles needed for an award flight. For example, you could fly economy from Denver to Europe for 18,750 miles.

British Airways Club

The sweet spots to use Avios are for short-haul economy U.S. domestic flights with partner airlines (or even medium-haul to Hawaii from the West Coast), domestic business class flights with partners or for short-haul flights within Europe. If you’re interested in using the fewest number of miles, for instance, consider using just 10,000 Avios to fly from London to Paris.

Iberia Club

Iberia operates under the Avios award system like British Airways and Aer Lingus, but Avios needed for redemptions vary with each airline. Iberia, in particular, offers solid value on U.S. East Coast business flights to Madrid during off-peak times. In addition, there are valuable redemption options from Madrid to destinations in Europe and North Africa. You can fly from Madrid to Tangier, Morocco, for instance, for just 3,500 Avios.

JetBlue TrueBlue

JetBlue TrueBlue rewards offer good redemptions on typical JetBlue domestic flights, but with JetBlue’s expanding international presence, there are options there, too. Plus, JetBlue has a nice set of partner airlines. That means you can use your TrueBlue rewards to book the coveted Qatar Airways Qsuites with your points.

Singapore Airlines KrisFlyer

Singapore Airlines offers several pricing tiers for its tickets, so look for Saver award tickets for the best value. You can also keep an eye on the airline’s Spontaneous Escapes promo awards for further discounts on Saver tickets. If you want to experience the ultimate in luxury, consider a reward flight in Singapore Suites. The Suites are no longer available on U.S. routes, but they remain available on certain international routes.

Southwest Rapid Rewards

Southwest crisscrosses the United States (and even has some international destinations these days), so there is plenty of flexibility when redeeming your Rapid Rewards points. Combine your points with a Southwest Companion Pass to make your points go further. The Companion Pass allows a designated companion to travel with you without paying the airline fare when you purchase or redeem points for your own flight, although applicable taxes and fees still apply. 

United MileagePlus

United Airlines is a member of the Star Alliance, and some of the best redemption options in the MileagePlus plan are with partner airlines. That’s in part because United doesn’t pass along the fuel surcharges partner airlines charge when you book a reward flight through United on a partner airline. That could save you hundreds of dollars on your reward flight.

Virgin Atlantic Flying Club

Virgin Atlantic’s Flying Club redemption sweet spot is Saver fares, which could mean snagging a flight from New York’s JFK or Boston Logan, for example, to London Heathrow for as few as 6,000 points (plus some hefty surcharges that are unavoidable on these routes).

And, while very difficult to find, Virgin points can be used to book stellar flights from the U.S. to Japan via All Nippon Airways (ANA). These are notoriously difficult award flights to book, but offer superior value if you can find availability. According to Virgin’s award chart, you can fly the U.S. West Coast to Japan in first class for just 72,500 points one-way.

 ➤  LEARN MORE:Best travel credit cards

Complete list of Chase hotel transfer partners

Chase’s hotel partners have a global presence, so you have plenty of options when it comes to finding a convenient spot and decent value with hotel transfer partners. Don’t be surprised when hotel award nights require sky-high numbers of points. Combining points redemptions with free-night certificates or promotional offers is often your best value.

IHG One Rewards

You can find good value for IHG One Rewards, but you may not get a full $0.01 per point in value. Even so, using 70,000 points, for example, to book a luxury property that goes for $650 a night, is still a nice redemption. Furthermore, if you hold one of IHG’s co-branded credit cards, you can take advantage of the “Fourth night free” benefit. Book four or more award nights and every fourth night is free. 

Marriott Bonvoy

Marriott Bonvoy notoriously requires an exorbitant number of points for award nights. Again, that doesn’t mean there isn’t value to be found, but don’t count on getting a full $.01 per point or more. Instead, look for PointSavers promo stays to squeeze more value from your points. Additionally, you can take advantage of a “fifth night free” perk that means you’ll receive your fifth night free when you book a stay of five nights or more. Unlike the similar IHG perk, you do not have to be a co-branded credit cardholder to receive this benefit.

World of Hyatt

World of Hyatt has been a darling of the hotel award night market for years. It continues to offer solid redemption options in spite of a change to the award chart in mid-2026. In particular, all-inclusive bookings can offer substantial savings when booked with points. Consider Hyatt Ziva Los Cabos, which is available for 35,000 points per night for two adults in October 2026. If you were to pay cash, you’d pay an average of $457 per night. Said another way, Sapphire Reserve cardholders can transfer 105,000  Ultimate Rewards points at a 1:1 ratio to Hyatt to book three nights through the World of Hyatt program, or you could redeem 137,100 points for three nights through the Chase travel portal. 

Wyndham Rewards

Wyndham properties run the gamut from budget roadside properties like Super 8 by Wyndham to luxury properties and resorts such as Wyndham Alltra all-inclusive resorts. Wyndham still uses an award chart, which means the points needed to book a room don’t increase during peak season. That means luxury properties during busy seasons can offer a particular sweet spot for redemptions. That said, redeeming just 7,500 points for a budget hotel is also a nice option.

 ➤  LEARN MORE:Best hotel credit cards

Which Chase transfer partners offer the best value?

If you strictly define “value” as the highest number of cents per point/mile you can get, you may often find yourself disappointed by award programs. Sure, there are some regular hits like Hyatt all-inclusive properties or premium cabin flights to far-flung locales, but those don’t always align with your plans. 

Instead, consider that the best value for any points transfer is the one that gets you where you want or need to go for less money out-of-pocket than you’d otherwise spend. I’ve transferred 12,500 miles to Flying Blue for a transatlantic flight, 100,000 points to IHG for a resort stay in Grand Cayman and 6,000 points to Hyatt for a stay for my kid’s soccer tournament. Each of these redemptions saved me money — some more than others, but the value was there either way.

All that said, consistent bright spots include Hyatt redemptions (especially for Sapphire Reserve cardholders), promo awards through Flying Blue and Virgin Atlantic Saver award flights from the East Coast to London. 

 ➤  LEARN MORE:How much are points and miles worth in 2026?

When should you transfer Chase points?

The beauty of Ultimate Rewards points is in their flexibility. Yes, you can often get better value when you transfer to a travel partner, but the decision is up to you.

When transferring points is worth it

• Luxury or peak season hotels — Pay thousands of points for a hotel room, not hundreds or thousands of dollars.
• Business-class flights — Business-class flights can cost thousands of dollars. If you can find a sweet award option, it’s often worth it. 
• Partner award sweet spots — When partners offer saver awards or special promotions for reward redemption, it can pay off to transfer points.

When booking through Chase Travel may be better

• Cheap cash prices — If your chosen flight or hotel stay is on sale for an inexpensive cash price, purchasing with points through the Chase portal may require fewer points overall.
• Limited award availability — Hotels and airlines don’t always make all their rooms or seats available for award purchases. In those situations, you can still use your points through the Chase portal to book an award stay or flight.
• You want to earn frequent flyer miles — When you book a reward flight directly with the airline, you won’t earn rewards on that flight. Booking through the Chase portal appears as a cash booking to the airline, so in most cases you’ll still earn miles on that flight even if you used Ultimate Rewards points to pay for the flight in the portal. 

 ➤  LEARN MORE:How to book through the Chase Travel portal

Deciding whether to transfer Ultimate Rewards points or book through the portal comes down to doing your research and deciding what’s important to you. 

• What does your flight or hotel stay cost in cash and in rewards? Be sure to check the cash price both directly with the airline or hotel and through Chase Travel, as those costs can differ.
• Is award space available? Don’t transfer points only to find that the flight or room you want isn’t available for award bookings.
• Do you have elite status or a promo to use? Elite status can make a meaningful difference when you book directly with some airlines and hotels. Furthermore, factor in how a fourth night or fifth night free benefit might impact your costs.
• Do you want to earn points on your flight or stay? You won’t earn loyalty rewards on award bookings, either for hotels or flights. You will usually earn frequent flyer miles when you book through the portal, but you likely won’t earn hotel loyalty points, as most hotels don’t award loyalty program points on bookings made through a third party. There are some exceptions for luxury bookings through The Edit by Chase Travel.

 ➤  LEARN MORE:How to get up to $500 in hotel credits with the Chase Sapphire Reserve®

How to transfer Chase Ultimate Rewards points

Once you have an eligible credit card, it’s simple to transfer your Ultimate Rewards to one of Chase’s partners.

1. Set up an account with the partner you want to transfer to. Ensure the name on your loyalty account matches the name on your Chase card account.
2. Sign in to Ultimate Rewards.
3. Choose “Transfer points to partners.”

4. Enter how many points you want to transfer. Chase requires you to transfer in increments of 1,000.

5. Link your loyalty account, if you haven’t already.

6. Confirm the transfer.
7. Verify the points/miles appear in your loyalty account. You may need to refresh your account or log out and back in to see the transfer reflected.
8. Book your travel.

Common mistakes to avoid before transferring Chase points

• Check award availability before transferring. Transfers are one-way. Once you move points, you cannot move them back, so ensure the award booking you want is available.
• Compare portal pricing vs. transfer value.
• Pay attention to taxes, carrier surcharges or resort fees. These can run into the hundreds of dollars, so don’t be caught off guard if you still owe money even on an award booking. 
• Confirm transfer ratios and timing. Chase ratios are generally 1:1 (except for Hyatt transfers that are now 4:3), but that can change at any time.

Tips to get the most value from Chase transfer partners

• Pool your Ultimate Rewards points under a transfer-eligible card.
• Transfer only after finding award availability, but transfer right away when you find it. Award availability can disappear quickly.
• Be flexible when you can. Compare multiple airline or hotel options and open up your dates and destinations as much as you’re able.
• Research airline alliances so you can broaden your options and find the route and class you want.
• Watch for limited-time transfer bonuses. 

 ➤  LEARN MORE:What is the Chase trifecta?

Make your Ultimate Rewards points go further

Ultimate Rewards points are popular in the credit card rewards landscape for good reasons. They offer incredible flexibility and value, particularly when you take advantage of Chase’s array of transfer partners. Ultimate Rewards points generally have a baseline value of $0.01 each through Chase Travel, although Points Boost can increase their value on select bookings. A well-chosen transfer can yield even greater value, but only after you compare the points required, cash price, award availability and additional fees.

Therefore, you should always compare award pricing to travel portal pricing before transferring your hard-earned points, then make the choice that works best for you.

Get started on your Ultimate Rewards award travel with the right Chase travel card.

Frequently asked questions