Chase Ultimate Rewards points are among the most versatile and coveted in the world of travel rewards, thanks to their ability to be transferred to a wide array of airline and hotel partners.
The program’s flexibility allows cardholders to strategically transfer points to various partners, unlocking the potential for luxurious travel experiences and maximizing the value of their points.
In this comprehensive guide, we’ll explore the ins and outs of the Chase Ultimate Rewards transfer partners, provide step-by-step instructions on how to transfer points, and offer tips to help you decide which partners can best serve your travel needs.
What are Chase's Transfer Partners?
Chase offers 1 to 1 points transfers to 11 airlines and 3 hotel programs if you have one of the following cards: Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card. Transfers must be in increments of 1,000 points.
Chase will also occasionally offer transfer bonuses of 25% to 50%, which can further increase the value of your Chase points. Here are all of Chase’s transfer partners:
Ultimate Rewards Transfer Partners [1 to 1]
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Aer Lingus
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Air Canada Aeroplan
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Air France/KLM
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British Airways
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Emirates
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Hyatt Hotels
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Iberia
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IHG Hotels
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JetBlue
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Marriott
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Singapore
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Southwest
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United
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Virgin Atlantic
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How Long Do Chase Ultimate Rewards Take?
Most transfers from Chase Ultimate Rewards to partners are instantaneous except for Singapore Airlines KrisFlyer and Marriott Bonvoy, which each take 24 to 48 hours.
Occasionally there are delays especially if you recently created your airline or hotel account, the names on the accounts do not match, or for security reasons.
How Do I Transfer Chase Points to Transfer Partners?
Transferring your Chase Ultimate Rewards points to travel partners is easy:
- Sign into Chase.com and click your card that earns Chase Ultimate Rewards.
- Click “Redeem” where it lists your Chase Ultimate Rewards balance.
- When you are on the Chase Ultimate Rewards website, click “Travel” and then “Transfer points to Partners.”
- Choose the partner you want to transfer points to.
- Follow the prompts to either link your accounts or confirm your account numbers.
- You will then be asked about the number of points you want to transfer, which must be in increments of 1,000 points.
- You will then be asked to confirm your points transfer.
Chase's Transfer Partners Ranked
I frequently get asked what are the best partners to transfer to from Chase Ultimate Rewards. Here are my recommendations from best to worst with guides on how to best use each programs points:
1. World of Hyatt
World of Hyatt offers exceptional value for points redemptions across its diverse hotel portfolio. The program uses a straightforward award chart with eight categories for standard properties, ranging from 5,000 to 40,000 points per night at the standard rate. All-inclusive resorts have their own six-category chart. Unlike some competitors, Hyatt maintains predictable award pricing without dynamic rates. Free night awards provide some of the best redemption opportunities. Members can often get outsized value, especially at luxury properties like Park Hyatt and Alila resorts. On average, we value Hyatt points at 2.39 cents per point based on our data study. Hyatt waives resort fees on award stays for all members, adding to the potential savings. Globalist elite members also receive waived parking fees on award nights. For maximum flexibility, Hyatt allows points to be redeemed for standard rooms, club rooms, and both standard and premium suites. Suite upgrades can also be confirmed on paid stays using points. The program stands out by offering these options systematically. Other redemption choices include dining and spa credits, though these typically provide lower value than free nights. Members can also book curated local experiences through Hyatt’s Find platform using points.
2. Iberia Plus
Iberia Plus Avios offers exceptional value, particularly for transatlantic flights on Iberia flights. The program’s distance-based award chart provides some of the best redemption rates for business-class travel to Europe, especially during off-peak periods. For instance, you can book one-way business class flights from East Coast cities like Boston, Chicago, or New York to Madrid for just 34,000 Avios during off-peak times. The program also shines for short-haul redemptions, with competitive pricing for both economy and business class on shorter routes. Iberia’s partnerships within the oneworld alliance expand your options, allowing redemptions on carriers like American Airlines, British Airways, and Qatar Airways. A standout feature of Iberia Plus is its low carrier-imposed surcharges on award tickets, particularly compared to some partner programs. This can result in significant savings on long-haul premium cabin awards. For maximum flexibility, Iberia Plus participates in the wider Avios ecosystem. This means you can transfer Avios between Iberia, British Airways Executive Club, Aer Lingus AerClub, and Qatar Airways Privilege Club, often at a 1:1 ratio. This feature allows you to leverage sweet spots across multiple programs. While partner airline redemptions through Iberia Plus are possible, they may not always offer the best value. It’s often worth comparing rates with other oneworld programs to ensure you’re getting the most from your Avios.
3. Air France KLM Flying Blue
Flying Blue, the loyalty program of Air France, KLM, and several partner airlines, offers travelers numerous opportunities to maximize their miles. With a wide network of airline partners and easy earning options through major credit card transfer programs, Flying Blue provides excellent value for award redemptions. One of the best ways to use Flying Blue miles is through Promo Rewards, which offer discounts of up to 50% off standard award rates on select routes each month. These can yield incredible deals, such as business class flights between the U.S. and Europe for under 40,000 miles one-way. For standard redemptions, Flying Blue uses dynamic pricing but generally offers competitive rates. Flights from the U.S. to Europe start at 20,000 miles in economy, 35,000 in premium economy, and 50,000 in business class. These rates apply to destinations throughout Europe, including connecting flights, making it an excellent option for reaching various European cities. A unique sweet spot is that Flying Blue prices flights to North Africa the same as Europe, allowing travelers to visit destinations like Morocco or Tunisia for the same mileage as a European trip. The program also offers good value for flights to Hawaii on Delta, starting at 35,000 miles round-trip from the contiguous U.S. For those looking to explore beyond Europe, Flying Blue partners with airlines like Japan Airlines and Etihad Airways, opening up possibilities in Asia and the Middle East. The program also has an extensive network in Africa through partnerships with Kenya Airways and Air Mauritius, providing access to destinations that can be expensive when paying cash. While Flying Blue does impose fuel surcharges on some awards, they are generally moderate compared to other programs. Flexibility in travel dates and destinations is key to finding the best value, especially given the program’s dynamic pricing model.
4. Air Canada Aeroplan
Air Canada’s Aeroplan program offers exceptional value for travelers looking to maximize their points. With over 45 airline partners, including Star Alliance members and unique carriers like Oman Air and Gulf Air, Aeroplan provides access to an extensive global network. The program’s distance-based award chart allows for creative routing possibilities, often at competitive rates compared to other frequent flyer programs. One standout feature is Aeroplan’s generous stopover policy. For just 5,000 additional points, you can add a stopover on one-way awards (excluding travel within North America). This allows you to visit multiple destinations on a single ticket, significantly increasing the value of your points. Combined with Aeroplan’s flexible routing rules, you can craft some impressive itineraries, such as flying from the US to Asia with a European stopover. Redemption sweet spots include short-haul economy flights within North America starting at just 6,000 points, and long-haul business class awards to Europe from 60,000 points. The program also shines for premium cabin redemptions to Asia, with business class awards starting at 55,000 points. Aeroplan points are easy to accumulate, thanks to partnerships with major transferable points programs like American Express Membership Rewards and Chase Ultimate Rewards. The Aeroplan Credit Card also provides a valuable way to earn points directly. When booking, use Air Canada’s website to search for and book most awards. For more complex itineraries, you may need to call, but agents are generally accommodating of creative routings. While change and cancellation fees can be steep, the program’s overall flexibility and extensive partner network make Aeroplan an excellent choice for travelers seeking to maximize their points’ value.
5. Singapore Airlines KrisFlyer
Singapore Airlines KrisFlyer miles offer good value, particularly for luxury travel experiences. The program’s crown jewel is redeeming for Singapore Airlines’ renowned Suites Class and first class, which are largely restricted to KrisFlyer members. While no longer available on U.S. routes, you can still book Suites on international flights like Singapore to London for 141,000 miles one-way. For U.S. travelers, attractive options include business class from the West Coast to Singapore from 107,000 miles, or first class from Los Angeles to Tokyo for 120,500 miles. Flights to Europe are also competitive, with business class from New York to Frankfurt available for 81,000 miles. KrisFlyer miles can be used on Star Alliance partners and other airlines like Alaska and Virgin Australia. Some good deals include United domestic business class from 26,000 miles, or flights within the South Pacific from just 13,500 miles. The program allows one free stopover on round-trip Saver awards, with additional stopovers available for a fee. Keep in mind that KrisFlyer miles expire after 36 months regardless of account activity. When redeeming, you can choose between lower-priced Saver awards with more limited availability, or pricier Advantage awards offering more options. Change and cancellation fees are relatively low, making the program flexible for travelers with uncertain plans.
6. Virgin Atlantic Flying Club
Virgin Atlantic Flying Club offers several good redemption options for travelers. The program’s strengths lie in its partnerships with airlines like All Nippon Airways (ANA), Delta Air Lines, and Air France-KLM, as well as its membership in the SkyTeam alliance. One standout redemption is for ANA flights, where you can book business class between the US or Europe and Japan for just 45,000-47,500 points one-way. First class on the same routes is available for 72,500-85,000 points. These rates are exceptionally competitive, though award availability can be limited. For Delta flights, Flying Club offers excellent value on transatlantic routes, with business class awards to Europe (excluding the UK) priced at 50,000 points one-way. Short and medium-haul Delta flights within North America can also be booked at attractive rates starting from 7,500 points. Air France-KLM redemptions through Flying Club can offer significant savings compared to booking directly through Flying Blue, especially for short-haul European flights and off-peak long-haul routes. The program also has a unique partnership with Air New Zealand, allowing members to book transpacific business class for just 62,500 points one-way – a fantastic deal if you can find availability. For other SkyTeam partners, Flying Club uses a distance-based chart that can provide good value, particularly for premium cabin bookings on airlines like Korean Air or China Airlines. While redemptions on Virgin Atlantic’s own flights come with high surcharges, the program’s diverse partnerships and competitive award rates make it a valuable option for international travel.
7. Aer Lingus AerClub
Aer Lingus AerClub Avios offers excellent value for transatlantic flights, particularly from the East Coast of North America to Ireland. One of the best redemptions is off-peak economy flights from cities like Boston, New York, or Toronto to Dublin for just 13,000 Avios one-way with minimal fees. Even flights from the West Coast require only 16,250 Avios off-peak. Business class redemptions are also competitive, starting at 50,000 Avios from the East Coast. AerClub uses a distance-based award chart with peak and off-peak pricing. Most of the year is considered off-peak, except for summer months and some holiday periods. This creates opportunities for great deals during shoulder seasons. Beyond just flying to Ireland, you can add connections to other European destinations for minimal additional Avios. Short-haul flights within Europe start at just 4,000 Avios one-way. While AerClub has limited partner airlines for redemptions, you can easily transfer Avios between British Airways Executive Club and Iberia Plus to access more options. Always compare pricing across the Avios programs, as AerClub sometimes offers the best rates on Aer Lingus flights. To maximize value, focus on off-peak dates, take advantage of the generous distance bands, and look for opportunities to add connections in Europe for minimal extra cost. With some flexibility, AerClub Avios can provide exceptional value for transatlantic travel.
8. United MileagePlus
United MileagePlus offers numerous opportunities to redeem miles for flights on United and its extensive network of Star Alliance and other airline partners. Here are some of the best ways to use United miles: For international travel, business and first class award tickets often provide excellent value. You can fly Lufthansa first class from the U.S. to Europe for 121,000 miles one-way, experiencing one of the most sought-after premium cabins. United’s own Polaris business class to Europe starts at 80,000 miles one-way, featuring lie-flat seats with direct aisle access. United’s Excursionist Perk allows you to add a free one-way segment within a single region on round-trip international itineraries, effectively giving you a free stopover. This can be creatively used to visit multiple destinations on one award ticket. Short-haul flights under 800 miles outside the U.S. can be booked for just 8,800 miles in economy, making United miles useful for intra-region travel in places like Europe or Africa. Within the U.S., domestic flights can sometimes be found for as low as 5,000 miles one-way with United’s dynamic pricing. For long-haul travel, you can book business class to Africa on Star Alliance partners like Ethiopian Airlines or South African Airways for 88,000 miles one-way. ANA’s excellent business class to Japan, featuring “The Room” seats on some aircraft, starts at 110,000 miles. United miles can also get you to hard-to-reach places like the Galápagos Islands, with economy flights from Ecuador starting at just 8,800 miles one-way on Avianca. Caribbean destinations can be reached from 13,200 miles round-trip in economy from the U.S. Remember that United doesn’t pass on fuel surcharges for partner awards, keeping out-of-pocket costs low. While redemption rates may not always be the absolute lowest, the ease of booking online and access to extensive Star Alliance inventory make United MileagePlus a valuable program for award travelers.
9. Emirates Skywards
Emirates Skywards offers a range of valuable redemption options, particularly for flying Emirates’ renowned first and business class products. The program’s sweet spots include flights from the U.S. to Dubai and beyond, with round-trip business class awards starting at 145,000 miles from the East Coast. Emirates’ fifth-freedom routes between New York and Europe also present good value, with business class available from 90,000 miles round-trip. Partner redemptions can yield excellent value too. Korean Air Prestige Class to Seoul is a standout at just 105,000 miles round-trip from North America. For domestic travel, JetBlue and Alaska Airlines partnerships offer distance-based award charts with competitive rates on shorter flights. When booking Emirates-operated flights, consider the three award tiers: Saver (economy and business), Flex (first class), and Flex Plus (all cabins). Saver awards offer the best value but have limited availability. First-class awards are only available at Flex or Flex Plus rates. To find award space, use Emirates’ website or ExpertFlyer. Some partner bookings may require calling Emirates. Remember that Skywards miles expire three years after earning, at the end of your birth month, so plan redemptions accordingly. While Emirates offers non-flight redemptions like hotels and merchandise, these typically provide poor value. For maximum benefit, focus on using Skywards miles for premium cabin flights on Emirates and select partners.
10. British Airways Executive Club
British Airways Executive Club offers some of the most versatile and valuable frequent flyer rewards through its Avios points currency. Avios can be redeemed for flights on British Airways and its oneworld alliance partners, including American Airlines, Alaska Airlines, Cathay Pacific, Japan Airlines, and more. One of the best uses of Avios is for short-haul flights, particularly within North America. Flights under 1,150 miles on American or Alaska Airlines cost just 11,000 Avios one-way in economy. This can provide excellent value for domestic U.S. trips or flights to nearby international destinations like the Caribbean. For long-haul international flights, Avios can unlock premium cabin experiences on top airlines. You can book Cathay Pacific business class from Hong Kong to Taipei for 20,800 Avios, or fly Qatar Airways’ renowned Qsuites between the U.S. and Doha for 70,000 Avios. Avios are also great for accessing exclusive airport lounges, like Cathay Pacific’s The Wing in Hong Kong or the Qantas First Lounge in Sydney. The program uses distance-based award pricing, so nonstop flights typically offer the best value. Avios can also be combined between British Airways, Iberia, and Qatar Airways accounts. Overall, British Airways Avios provide excellent flexibility and value for both short trips and aspirational long-haul awards when used strategically.
11. Southwest Rapid Rewards
Southwest Rapid Rewards offers a flexible and straightforward way to redeem points for flights. The program’s simplicity is one of its key strengths, and its value is fairly onsistent across different fare types and destinations. Our data study found that the value of Southwest Rapid Rewards points is 1.37 cents per point, making it easy for members to gauge the worth of their rewards. Redemptions are seamless on Southwest’s website, where you can book any available seat without blackout dates. One of the program’s standout features is its generous change and cancellation policy. You can modify or cancel award bookings without fees, with points returned to your account and taxes refunded to your original form of payment. While Southwest primarily serves domestic routes, it also flies to select international destinations in the Caribbean, Mexico, and Central America. The airline’s extensive U.S. network makes it a popular choice for domestic travelers, despite not belonging to a major alliance. For maximum value, focus on redeeming points for Wanna Get Away fares, which often provide the best return. Avoid using points for gift cards, hotels, or rental cars, as these options typically offer significantly lower value than the 1.37 cents per point average for flights. The Southwest Companion Pass is a potential game-changer for frequent travelers. This benefit allows a designated companion to fly with you for just the cost of taxes and fees on both paid and award tickets, effectively doubling the value of your points when traveling together.
12. JetBlue TrueBlue
JetBlue TrueBlue offers a straightforward rewards program with flexible redemption options. Members can redeem points for any seat on JetBlue flights, with no blackout dates. The program uses a revenue-based model, typically offering solid value for economy bookings. In fact, our analysis shows that TrueBlue points are worth approximately 1.31 cents each when redeemed for economy flights. This value proposition makes TrueBlue points particularly attractive for budget-conscious travelers. For those seeking premium travel experiences, TrueBlue points can be used for JetBlue’s Mint business class, though the redemption value is generally lower, averaging about 1.1 cents per point. Despite this lower redemption rate, the program truly shines with its partnership redemptions, particularly with Qatar Airways. Members can book Qatar Airways flights directly through JetBlue’s website, often securing excellent value for long-haul business class travel. Another notable partner is Hawaiian Airlines, offering opportunities for inter-island hops and flights between Hawaii and the U.S. mainland. These redemptions can provide good value, especially during peak travel periods when cash fares are high. TrueBlue’s user-friendly features include points that never expire and fee-free changes or cancellations on award bookings. This flexibility allows members to book with confidence, knowing they can adjust their plans if needed. While JetBlue doesn’t belong to a major airline alliance, its partnerships with Qatar Airways and Hawaiian Airlines expand redemption options beyond JetBlue’s network. This combination of simplicity, flexibility, and strategic partnerships makes TrueBlue an appealing program for both casual and frequent travelers, offering consistent value for economy redemptions and unique opportunities for premium travel experiences.
13. Marriott Bonvoy
Marriott Bonvoy points offer versatile redemption options, with hotel stays typically providing the best value. We value Marriott points at 0.82 cents per point based on our data study, but you can get the best value at luxury properties or during peak seasons. The program’s dynamic pricing model means rates fluctuate, so flexibility in your travel dates can help maximize value. A standout feature is the fifth night free on award stays, effectively giving you a 20% discount on longer bookings. This benefit applies to consecutive award nights and can significantly stretch your points. Marriott also offers Cash + Points options, allowing you to combine cash and points for more flexibility. Transferring Bonvoy points to airline partners is another valuable option. With a 3:1 transfer ratio for most airlines and a 5,000-mile bonus for every 60,000 points transferred, this can be an excellent way to top up airline accounts or access niche programs. However, transfer times vary, so plan accordingly. For unique experiences, consider Marriott Bonvoy Moments. These exclusive events and activities, often unavailable for cash purchase, can provide memorable opportunities for point redemptions. While Marriott allows point redemptions for flights, car rentals, and cruises, these typically offer lower value compared to hotel stays or airline transfers. Unless you have a specific need or excess points, it’s generally best to avoid these options.
14. IHG One Rewards
IHG One Rewards points offer flexibility and value for travelers seeking hotel stays and unique experiences. The primary and most valuable use of IHG points is for hotel bookings across the brand’s extensive portfolio. Point requirements vary based on the property and season, starting from 5,000 points per night. IHG’s dynamic pricing model aligns point costs with cash rates, ensuring consistent value. Members can book stays entirely with points or opt for a points-plus-cash combination. Based on our data study, we value points at 0.73 cent per point. To maximize value, IHG credit cardholders can take advantage of the fourth-night-free benefit on award stays of four nights or more. This effectively provides a 25% discount on longer stays. It’s worth noting that award stays booked with points waive most taxes and fees, potentially leading to significant savings, especially in areas with high tourism taxes. For those seeking more than just accommodations, IHG One Rewards Access provides opportunities to redeem points for exclusive events and experiences in entertainment and sports. This feature allows members to bid on or directly book special activities, adding an extra dimension to their travel rewards. While IHG points can be redeemed for gift cards or merchandise, these options generally offer lower value compared to hotel stays.
How to Earn Chase Ultimate Rewards Points
To unlock points transfer to Chase Ultimate Rewards’ transfer partners, you need to have one of the following three cards:
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card (review) is one of the most popular travel rewards cards because it offers nice welcome bonus and extra points on travel and dining, which can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel℠. The Sapphire Preferred also offers great travel and purchase protections for a card with a $95 annual fee. Welcome Bonus: bonus_miles_full Earning Rewards: 5x points on travel purchased through Chase Travel, 3x points on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on all other travel purchases, and 1 point per dollar on all other purchases. Card Benefits: Ability to transfer to airline and hotel partners, 25% bonus when redeeming points through Chase Travel, $50 annual hotel stay credit via Chase Travel, 10% anniversary points bonus, no foreign transaction fees, primary rental car insurance, trip delay insurance, trip cancellation insurance, baggage delay insurance, purchase protection, and extended warranty. Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® (review) offers premium travel benefits including lounge access, hotel elite status, and multiple statement credits that can offset its $795 annual fee. With bonus earnings on travel and dining purchases plus the ability to transfer points to 14 airline and hotel partners, this card delivers strong value for frequent travelers who can maximize its benefits. Welcome Bonus: bonus_miles_full Earning Rewards: 10x points on Hotels (excluding The Edit) and car rentals and 5x points on flights through Chase Travel after the first $300 is spent on travel purchases annually; 10x points on Chase Dining purchases with Ultimate Rewards; 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out; 3x points on other travel after the first $300 is spent on travel purchases annually; 1x points on other eligible spending. Card Benefits: $300 annual travel credit, Priority Pass airport lounge membership with unlimited visits, Global Entry or TSA PreCheck® or NEXUS application fee credit of up to $120 every four years, no foreign transaction fees, travel insurance (primary rental car, trip delay, trip cancellation, travel accident, lost luggage, and baggage delay), purchase protection, return protection, and extended warranty. Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card (review) offers great rewards for small business owners. With bonus points on travel, shipping, advertising, and communication services, plus valuable travel protections, it’s a solid choice for companies looking to maximize their everyday spending. Welcome Bonus: bonus_miles_full Earning Rewards: 3x points on travel, shipping, advertising made with social media sites and search engines, and internet, cable and phone services on the first $150,000 spent in combined purchases in the following categories each account anniversary year; 1x points on all other eligible purchases. Card Benefits: Points are worth 25% more when you redeem for travel through Chase Travel, no foreign transaction fees, primary rental car insurance, trip cancellation insurance, cell phone protection, purchase protection, and extended warranty. Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
Chase offers four credit cards that are typically considered cash-back products. However, if you also have one of the three Ultimate Rewards-earning cards mentioned above, you can combine your points into a single account, effectively transforming your cash-back rewards into fully transferable Ultimate Rewards points.
The best part? All of these cash-back cards have no annual fee, allowing you to enjoy this added flexibility without any extra costs.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® (review) sets itself apart with 1.5% back on non-bonus purchases, plus higher rewards in select categories including dining and travel. This flexible rewards card becomes even more valuable when paired with a premium Chase card, allowing you to transfer your rewards to travel partners. Welcome Bonus: bonus_miles_full Earning Cash Back: 5% back on travel purchased through Chase Travel℠; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1.5% back on all other purchases CaBenefits: Purchase protection, extended warranty, trip cancellation and interruption insurance, secondary rental car insurance, and 0% intro APR for 15 months from account opening on purchases and balance transfers, after that reg_apr,reg_apr_type APR applies;
Chase Freedom Flex℠
The Chase Freedom Flex℠ (review) rewards cardholders with 5x points in rotating quarterly categories and includes solid benefits like cell phone protection and purchase coverage. While the rotating categories require activation each quarter, this card offers significant value for those willing to track and maximize the bonus categories. Welcome Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months. Earn Rewards: 5% back in quarterly bonus categories; 5% back on travel purchased through Chase Travel℠; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1% back on all other purchases. Card Benefits: Cell phone protection, purchase protection, extended warranty, trip cancellation and interruption insurance, secondary rental car insurance, and 0% intro APR for 15 months from account opening on purchases and balance transfers, after that a reg_apr,reg_apr_type APR applies.
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card (review) offers a straightforward 1.5% cash back on all business purchases with no bonus categories to track and no annual fee. This card shines brightest when paired with premium Chase cards, allowing you to transform your rewards into valuable Ultimate Rewards points for transfers to travel partners. Welcome Bonus: bonus_miles_full Earn Rewards: Unlimited 1.5% cash back on all eligible purchases. Card Benefits: Primary rental car insurance, purchase protection, extended warranty, and 0% intro APR for 12 months from account opening on purchases, after that a reg_apr,reg_apr_type APR applies.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card (review) packs serious value with no annual fee, offering excellent rewards at office supply stores and on internet, cable, and phone services. This business card stands out with its substantial welcome bonus and valuable perks like purchase protection and primary rental car coverage for business rentals. Welcome Bonus: bonus_miles_full Earn Rewards: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; 1% cash back on all other purchases. Card Benefits: Primary rental car insurance, purchase protection, extended warranty, and 0% intro APR for 12 months from account opening on purchases, after that a reg_apr,reg_apr_type APR applies.
Alternatives to the Transferring Points
If you don’t want to transfer points to travel partners, here are several other options:
Booking Through the Chase Travel Portal
The Chase Travel portal offers a straightforward way to redeem your Ultimate Rewards points for travel bookings. The value you get per point depends on which Chase card you hold:
- Chase Sapphire Reserve®: 1.5 cents per point
- Chase Sapphire Preferred® Card: 1.25 cents per point
- Ink Business Preferred® Credit Card: 1.25 cents per point
- Other Chase cards (Freedom Flex, Freedom Unlimited, Ink Business Cash, Ink Business Unlimited): 1 cent per point
For example, if you have the Sapphire Reserve and want to book a $300 flight, it would cost you 20,000 points (300 / 0.015 = 20,000). The same flight would cost 24,000 points with the Sapphire Preferred or Ink Business Preferred, and 30,000 points with other Chase cards.
An added benefit of booking through the Chase portal is that flights generally earn miles and count toward elite status, as they’re treated like cash bookings by airlines.
Non-Travel Redemption Options
While transferring to travel partners or booking through the Chase Travel portal often provides the best value, Chase does offer several non-travel redemption options:
- Cash Back: Redeem your points for statement credits or direct deposits at a rate of 1 cent per point.
- Gift Cards: Choose from a variety of retailers, typically at a rate of 1 cent per point.
- Apple Products: Use your points to purchase the latest Apple devices, usually at a rate of 1 cent per point.
- Amazon Purchases: Link your Chase card to your Amazon account to use points at checkout, though the redemption rate is lower at about 0.8 cents per point.
- Pay Yourself Back: This feature allows you to redeem points against select purchases at an improved rate, which varies by card and current offers.
While these options provide flexibility, they generally offer less value than travel redemptions. However, they can be useful if you need to liquidate points quickly or prefer cash back over travel rewards.
Do Chase Ultimate Rewards Expire?
Chase Ultimate Rewards points do not expire as long as you have at least one active Ultimate Rewards-earning credit card open. This provides great flexibility, allowing you to accumulate points over time without worrying about losing them.
However, if you decide to close all of your Chase cards that earn Ultimate Rewards points, you’ll need to act quickly. In this case, you must redeem or transfer your points before closing your last card. If you don’t, you’ll forfeit any remaining points in your account. To avoid losing your hard-earned rewards, make sure to have a plan for your points before closing your accounts.
The Verdict
The Chase Ultimate Rewards program provides a highly flexible and valuable option for travel enthusiasts seeking to maximize their rewards by transferring points to Chase’s airline and hotel partners.
By strategically earning points and carefully considering which transfer partners offer the best value for your specific travel goals, you can unlock a world of possibilities, from first-class flights to luxurious hotel stays.