When you use a Chase credit card, you're paying for purchases in dollars, but all your spending helps you rack up another kind of currency: Chase Ultimate Rewards® points.
Chase Ultimate Rewards points are some of the most valuable credit card rewards you can earn. Chase Ultimate Rewards are transferable credit card points, which means you can move them over to various airline and Chase hotel partner programs to book travel, in addition to the option of booking through Chase Travel℠ or using points toward eligible everyday purchases through Chase Pay Yourself Back.
Maximizing Chase points requires knowing when and with whom you should redeem them. While you can use Chase Ultimate Rewards points to make purchases and pay for travel directly through Chase Travel℠, it's possible to significantly increase their value by transferring them to one of Chase's travel partners.
Chase transfer partners: The basics
Chase has 14 travel transfer partners: 11 airline frequent flyer programs and three hotel programs.
Chase lets you transfer points at a 1:1 ratio in 1,000-point increments, and those transfers typically happen instantly (that's important for making sure you can grab an award flight or an award stay before it's gone). There are a few exceptions, though, and we've noted those in our breakdown of each partner below.
The value of those points can vary widely depending on where you want to go in the world and when you plan to travel. So, the best approach with Chase Ultimate Rewards is to be meticulous. Comparing all your options on departure/arrival dates and resort locations can help you figure out how to harness the most power from each of your points.
Also, be sure to keep a close eye on your email for alerts from Chase or these travel companies about exclusive offers, such as transfer bonuses, that can get you cheaper redemptions on flights and hotel stays.
Chase Ultimate Rewards points are worth 1.8 cents apiece, on average, according to Business Insider's points and miles valuations. The exact value you'll get depends on how you redeem your points.
How to earn Chase Ultimate Rewards points
You'll need to earn Chase Ultimate Rewards points before you can enjoy transferring them for award travel. Doing that requires having one or more of the best Chase credit cards in your wallet:
$550
N/A
20.24% - 28.74% Variable
Earn 60,000 bonus points
Good to Excellent
Pros
Cons
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Chase Sapphire Reserve- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- 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
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
$95
N/A
20.24% - 26.24% Variable
Earn 90,000 bonus points
Good to Excellent
Pros
Cons
The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.
Ink Business Preferred Card- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
$95
N/A
19.99% - 28.24% Variable
Earn 60,000 bonus points
Good to Excellent
Pros
Cons
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Chase Sapphire Preferred- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 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.
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
$0
0% intro APR on purchases and balance transfers for the first 15 months
18.99% - 28.49% Variable
Earn a $200 bonus
Good to Excellent
Pros
Cons
The Chase Chase Freedom Flex® is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.
Chase Freedom Flex$0
0% intro APR on purchases and balance transfers for the first 15 months
18.99% - 28.49% Variable
Earn a $200 bonus
Good to Excellent
Pros
Cons
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Chase Freedom Unlimited- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Once you start using any of these Chase cards, be sure to browse bonus offers via online shopping portals to maximize your rewards. There are many ways to rack up even more reward points with hundreds of online retailers, and it's a simple way to make every purchase more rewarding.
Also note that you can use Chase's no-annual-fee cards, including the Chase Freedom Unlimited® (rates and fees) and the Chase Freedom Flex® , to turbo-charge your stash of Chase Ultimate Rewards. That's because as long as you have a "premium" Chase card — like the Chase Sapphire Reserve® (rates and fees) or Ink Business Preferred® Credit Card (rates and fees) — you can move over the rewards you earn from a cash-back Freedom or Ink card to redeem them with transfer partners or simply get more value toward Pay Yourself Back and Chase Ultimate Rewards Travel redemptions.
Chase Ultimate Rewards airline transfer partners
Aer Lingus AerClub
If you're looking to travel to Ireland, Aer Lingus is one of the most convenient places to start your search, and as a Chase transfer partner, it can also be a very valuable way to fly.
The airline's award chart divides travel by zone and peak/off-peak redemptions. Even the most expensive zone (Zone 6, which includes travel between Dublin and Los Angeles, Miami, Orlando, San Francisco, and Seattle) includes one-way tickets for as low as 16,250 Avios.
You can also use Avios to upgrade to business class. The upgrade fee varies between peak and off-peak travel. The good news: Two-thirds of the year is considered off-peak, according to AerClub's 2025 calendar.
Air Canada Aeroplan
Air Canada's Aeroplan loyalty program is the newest airline on the list of Chase transfer partners, and it's a great option even if you don't fly Air Canada. Because the airline is part of the Star Alliance, you can redeem Aeroplan points for flights on over 50 alliance and non-alliance partners, including United, Lufthansa, and Etihad.
Award flights in North America start at just 6,000 points, and there are numerous sweet spots for international partner flights as well. You can check Air Canada's Points Predictor Tool for an estimate of how much specific awards cost.
Air France-KLM Flying Blue
Flying from Los Angeles to Paris takes nearly 11 hours, so a Chase Ultimate Rewards transfer can be especially appealing here to help you make the journey comfortably. A seat in business class for that journey starts at 67,500 miles. The only thing better than drinking champagne in France is drinking champagne on the way to France in the front of the bus.
And while France may be in the name, there are plenty of other redemption options available to Europe and beyond via Flying Blue, thanks to partnerships with KLM, Aircalin, GOL, Japan Airlines, Kenya Airways, and SkyTeam.
British Airways Executive Club
Let's look at an example of reward travel with British Airways Executive Club. BA is part of the Oneworld alliance, and that alliance — which includes 15 airlines that serve more than 170 countries and territories — can be key to making the most of transferring your points.
If you redeem Avios for British Airways flights, it's hard to get outsized value, due to BA's insanely high fuel surcharges and fees that are tacked on to the points cost. However, there are some sweet spots if you redeem for partner award flights — including flights from the U.S. East Coast to Ireland and the Caribbean, or the U.S. West Coast to Hawaii.
Iberia Plus
Not one, not two, but three different programs allow you to turn your Chase Ultimate Rewards points into Avios points.
Unfortunately, Iberia's award chart is dominated by "peak" times on the calendar (forget finding a good deal from June through mid-September), but if you're up for a trip in February, March, October, or November, you may be able to find a good way to redeem those points.
Emirates Skywards
Emirates award flights come in three varieties: Saver, Flex, and Flex Plus. The Saver option is, naturally, the lowest cost in terms of points and the best way to maximize the value of your Chase Ultimate Rewards points.
Emirates may be best known for flying to the United Arab Emirates, but transferring your Chase points to miles will let you explore reward options with 18 of its airline partners. For example, you can use 70,000 miles for a round-trip economy ticket between South Korea and the US on Korean Air or 120,000 miles for a one-way ticket in business class on Qantas from Sydney, Australia to Los Angeles.
JetBlue TrueBlue
Even if you only have a few TrueBlue points, you could put them to good use by transferring your Chase Ultimate Rewards to JetBlue. For example, you can score a one-way ticket from Boston to Fort Lauderdale for just 3,800 points. The ticket is $61, so you're getting 1.6 cents per point.
JetBlue also has a partnership with Hawaiian Airlines, but you'll need to call 800-538-2583 to inquire about availability (which is limited). If you're looking for an island vacation, though, it could be worth picking up the phone. One-way economy seats from the West Coast are just 22,000 points.
Singapore Airlines KrisFlyer
The Singapore Airlines KrisFlyer award chart is fairly straightforward and breaks down travel to/from destinations in 13 zones.
On top of those divisions, there are two types of KrisFlyer award tickets: Advantage and Saver. The only "advantage" to Advantage tickets is that you'll find them more frequently. They cost more. You're better off trying to find a Saver option, which starts at 7,500 miles. And if you can somehow stumble into a first-class seat from the East Coast to Singapore for 132,000 miles, do it. That is the definition of high-flying luxury.
Singapore Airlines partners with all of the other major transferable points programs — Amex Membership Rewards, Citi ThankYou Rewards, Capital One miles, and even Marriott Bonvoy — so you can pool points from various programs for an award.
Southwest Airlines Rapid Rewards
Southwest's reward redemption valuations don't take nearly as much research as other airlines. Instead of thinking about peak and off-peak travel dates and zones, you'll simply look at how much the fare costs in dollars, and you'll have a good idea of a comparable cost in Southwest points.
The values are linked. For example, a flight from Chicago to Los Angeles that costs $109 requires 7,500 points, and that same flight one week later runs $252 or 20,000 points. The lower cost has a slightly higher value of 1.4 cents per point. Nothing amazing, but also nothing too complicated.
United MileagePlus
To get a sense of some of the cheap miles redemptions you can score on United, check out the award flight deals the airline regularly spotlights on its website. For example, 7,900 miles for a ticket from Newark to Orlando, and 19,700 miles for a ticket from Los Angeles to Honolulu are both enticing offers right now (these change periodically).
You can dig deeper than those highlighted deals (after all, they're spotlighting them because they want to fill the seats) to find more competitive offers, too. Think outside the U.S. borders — United is part of the Star Alliance, which includes 26 airlines that fly all over the world.
Virgin Atlantic Flying Club
You can find some incredible deals with Virgin Atlantic Flying Club points. Even though Virgin Atlantic isn't part of an airline alliance right now, it partners with a number of airlines including Delta, ANA, and Hawaiian Airlines.
Award flights on Virgin Atlantic to the UK and beyond can be a good deal, but keep in mind Virgin Atlantic adds high taxes and fees to its own flights.
Chase Ultimate Rewards hotel transfer partners
IHG One Rewards
From a Holiday Inn Express to a boutique experience at Kimpton Hotel, IHG has loads of properties where you can enjoy an evening without paying any actual cash. However, IHG's points redemption values here aren't anything to write home about.
Sure, it would be great to spend a night at the InterContinental Bangkok or InterContinental Bali, but searches reveal that redemption rates at IHG properties rarely exceed the 1-cent mark. In that case, you're better off booking a room directly through Chase Travel℠.
Marriott Bonvoy
No matter where you go, you'll probably find a Marriott property. With 30 brands that range from the high-end world of Ritz-Carlton and St. Regis to limited-service, budget-friendly options like Fairfield Inn and TownePlace Suites, Marriott Bonvoy points can book you a room in a wide range of accommodations.
The catch: It's hard to find a redemption that increases the value of your Chase Ultimate Rewards points. Marriott Bonvoy's award pricing is now dynamic, and I rarely find options that increase the value of Marriott points. There are exceptions, though, proving that you should always do your research.
World of Hyatt
If you're looking to make the most of your Chase Ultimate Rewards points for a hotel stay, start with the World of Hyatt program. In addition to affordable, 5,000-point redemption rates at limited-service properties like Hyatt Place and Hyatt House, this loyalty program has loads of luxurious properties where you can cash in your points for a more meaningful redemption.
Consider some of these examples for a getaway: a queen room at the Andaz San Diego (15,000 points per night versus $313 per night), a villa at the Park Hyatt Maldives Hadahaa (30,000 points per night versus $1,045 per night), and a standard king room at the Park Hyatt Beaver Creek, Colorado (30,000 points per night versus $1,900 per night).
How to transfer Chase Ultimate Rewards points
Once you've found a great redemption through a Chase Ultimate Rewards airline or hotel partner, your next step is to transfer your points from Chase to the loyalty program where you want to make a booking.
To get started, log into your Chase account and navigate to the Chase Ultimate Rewards page. Click "Earn/Use," and you'll see various options, including "Transfer to Travel Partners." Click this, then you'll be presented with a list of Chase's 14 transfer partners.
Click "Transfer Points" next to the Chase transfer partner you're eyeing, and you'll be prompted to enter your airline or hotel loyalty program info. If you don't have an account yet, don't worry — it's free to sign up, so you'll just have to do that before initiating the transfer.
Once you have your Chase account and your frequent-flyer or hotel loyalty program account connected, you can initiate the transfer, and in most cases, the transaction will go through immediately.
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Chase Ultimate Rewards transfer partner FAQs
What hotels do Chase points transfer to?
Chase Ultimate Rewards points can be transferred to several hotel loyalty programs, including popular options like Hyatt, Marriott Bonvoy, and IHG Rewards Club. This allows you to use your points for hotel stays at a wide range of properties within these programs, offering flexibility and value when planning your accommodations during your travels.
How do I transfer Chase points to partners?
To transfer Chase Ultimate Rewards points to partner loyalty programs, log in to your Chase account, select 'Transfer to Travel Partners,' choose the partner program, enter your account details, and confirm the transfer. Be aware of transfer times and ratios for each partner. Your points will then be available for redemption within the selected loyalty program.
How do you use Chase Ultimate Rewards points for flights?
You can use Chase points for flights by either booking directly through Chase Travel℠ or transferring your points to one of Chase's airline partners to book award flights. Transferring often gives you more value if you find a good redemption.
How do you transfer Chase Ultimate Rewards points to United?
To transfer Chase Ultimate Rewards points to United, log in to your Chase account, go to the Ultimate Rewards portal, select "Transfer to Travel Partners," and choose United MileagePlus. You'll need a free MileagePlus account, which is United Airlines' exclusive loyalty program. Points transfer in 1,000-point increments and can be used to book United flights or flights with Star Alliance partners.
What airlines can I transfer Chase Ultimate Rewards points to?
You can transfer Chase Ultimate Rewards points to 11 airline partners: Aer Lingus, Air Canada (Aeroplan), Air France—KLM (Flying Blue), British Airways, Emirates, Iberia, JetBlue, Singapore Airlines (KrisFlyer), Southwest, United (MileagePlus), and Virgin Atlantic. These transfers let you book flights directly with the airline or through its alliance partners like Star Alliance, SkyTeam, or Oneworld.
