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  • Mailbag: Booking Japan Airlines With AA Miles, Plus 3 More Questions

    Mailbag: Booking Japan Airlines With AA Miles, Plus 3 More Questions

    Something we’ve been doing in the Points Insider newsletter (if you haven’t subscribed, you should!) is opening the floor to you. If you have a question about points, miles, travel, or something related, we want to hear from you.

    This past week, we’ve received several questions (and comments, which we’ll also address).

    In this edition of our weekly mailbag, we’re covering whether you can book Japan Airlines awards with American Airlines AAdvantage miles, how to buy Lufthansa miles, how to find flights you can book with the points you already have, and whether Atmos credit card checked bag benefits apply to partner flights.

    Using AAdvantage Miles for Japan Airlines Flights

    A reader questioned whether Japan Airlines award flights can be booked using American Airlines AAdvantage miles.

    The good news is that you absolutely can book Japan Airlines award tickets using AAdvantage miles.

    In fact, this is one of my personal favorite ways to redeem them. To give you an idea of why, you can book JAL business class from the U.S. to Japan starting at 60,000 miles each way, or first class from 80,000 miles. Economy starts at 35,000 miles, and premium economy starts at 50,000 miles.

    JAL Premium Economy award bookable with AA miles.
    POINTSYEAH

    You can also use AA miles to connect from JAL to other partner carriers. A couple of years ago, I flew from Tokyo to Hanoi on JAL, then connected onward to Doha on Qatar Airways for just 40,000 AA miles in business class. These rates are still available today if you happen to be traveling in that part of the world.

    The catch is that business and first class awards (particularly between North America and Japan), can sometimes be hard to find. Economy and premium economy are more widely available, but if you recall, Japan is one of the most searched destinations on PointsYeah.

    There are only so many award seats flying between the two countries, so it’s not entirely surprising that the most coveted ones are hard to come by.

    But if you’ve been eyeing a seat up front on Japan Airlines using AAdvantage miles, it’s worth taking a few minutes to set up a Points Price Alert so you’ll know when something becomes available.

    {{ search-widget mode=”flight” }}

    Purchasing Lufthansa Miles & More Miles

    A reader points out that Lufthansa Miles & More doesn’t let members buy miles directly. So how do its buy-miles promotions work?

    Unlike programs such as Alaska Airlines Atmos Rewards, Miles & More doesn’t sell standalone miles. In fact, its own website explicitly says you can’t buy miles or status-qualifying points directly. This is tied to German financial regulations governing electronic money, which have historically complicated how Miles & More can sell miles.

    However, you can still acquire Lufthansa Miles & More miles through a workaround package called Bundle&Go.

    There are four bundles you can buy, and they include Miles & More miles alongside other perks, such as bonus miles on eligible hotel and car rental bookings, Avis benefits, and Priority Pass membership discounts. Depending on the bundle, you can also get Lufthansa lounge vouchers and status-qualifying points.

    At the time of writing, you can get a 50% mileage bonus when purchasing a Bundle&Go package through October 31. That brings the cost per mile down to as little as 1.4 U.S. cents each, and you get those other benefits to boot.

    Aerial view of Lufthansa aircraft parked at Frankfurt Airport (FRA), which serves as the largest hub for Lufthansa.
    NATE HOVEE / ISTOCK

    Finding Flights You Can Book With Points You Have

    A reader asks: “Are there points concierges who can look at all my credit card, hotel, and airline points and help me figure out which of the destinations on my travel wish list offers the best redemption value?”

    Yes, there are. But some of them cost a good chunk of change.

    If you’re in the same boat with trying to use your rewards, don’t forget that you can be your own concierge, in a sense, by using the PointsYeah Daydream Explorer.

    You can use this feature to explore flights and hotels across a wide range of destinations, filter by the airline, hotel, and credit card programs you have points with, and even browse by travel themes.

    It’s a neat way to see where your points could take you without having to search every destination individually, or spend money on a concierge, since it’s free to use.

    More on This: How to Use Daydream Explorer to Find Flights and Hotels With Points and Miles

    Atmos Cards: Bag Benefits on Partner Flights

    A reader asks: “If I book an Alaska Airlines flight through American Airlines using AAdvantage miles, then pay the taxes and fees with my Atmos credit card, will I still get a free checked bag?”

    Unfortunately, I wouldn’t count on it.

    The free checked bag benefit on Atmos credit cards requires the flight to be marketed by Alaska or Hawaiian, operated by an eligible airline, paid for with your Atmos card, and credited to Atmos Rewards.

    In this case, since you’re booking through American using AAdvantage miles, the benefit won’t apply, even if you pay the taxes and fees with your Atmos card.

    Missed Last Week’s Mailbag?

    Catch up on last week’s questions and answers in our previous edition.

    Ask Your Own Question

    Got a points question of your own? Email us at newsletter@pointsyeah.com, and we’ll answer a few each week.

  • Rove Sign-Up Bonus: Get 1,500 Transferable Miles With No Spending Required

    Rove Sign-Up Bonus: Get 1,500 Transferable Miles With No Spending Required

    Here’s an easy way to pick up 1,500 miles without spending a dime.

    Right now, new Rove members can earn 1,500 bonus miles just for signing up. There’s no purchase or spending requirement, and the miles are credited to your account immediately.

    How to Earn 1,500 Free Rove Miles

    Rove is a free-to-use travel rewards platform that lets you earn miles on eligible purchases and travel bookings. You can then transfer those miles to participating airline and hotel loyalty programs or use them to book flights and hotels directly through Rove.

    Getting the Rove sign-up bonus involves three easy steps:

    1. Sign up for a new Rove account through the PointsYeah referral link
    2. Complete your registration by entering your phone number
    3. Receive 1,500 Rove miles in your account immediately

    That’s it. You don’t need to book a flight, reserve a hotel, or make a purchase to earn the bonus.

    What Can You Do With Rove Miles?

    Once you’ve earned your bonus, you can redeem your miles toward flights and hotels through Rove or transfer them to any of its transfer partners.

    Transfers require a minimum of 2,000 miles, so you’ll need to earn at least another 500 miles before transferring your sign-up bonus to a partner.

    But there are plenty of reasons to keep earning, as some of Rove’s airline transfer partners include:

    • JetBlue TrueBlue
    • Japan Airlines Mileage Bank
    • Virgin Atlantic Flying Club
    • Lufthansa Miles & More
    • Copa ConnectMiles

    And while 1,500 miles won’t necessarily cover an entire trip, it’s a useful starting balance, especially for an offer that doesn’t require any spending.

    If you haven’t joined yet, this is an easy opportunity to pick up some extra miles with little effort.

    Not a member yet? Sign up for Rove and earn 1,500 bonus miles.

  • Fly to Fiji From Just 28,000 American Airlines Miles

    Fly to Fiji From Just 28,000 American Airlines Miles

    If Fiji is on your travel bucket list, you might need fewer American Airlines miles to get there than you think.

    Earlier this year (and with little fanfare), American Airlines and Fiji Airways lowered the starting price of economy award tickets on nonstop flights between North America and Fiji from 40,000 to just 28,000 AAdvantage miles each way.

    That’s a 30% reduction from the previous pricing floor, and we’re finding plenty of dates with tickets available at the lower rate.

    Book Fiji Airways Flights From 28K Miles

    The reduced pricing applies to eligible nonstop Fiji Airways flights to Nadi (NAN). In our searches, we’ve found economy tickets starting at 28,000 AAdvantage miles one-way between Fiji and three North American gateways:

    • Los Angeles (LAX)
    • San Francisco (SFO)
    • Vancouver (YVR)

    For example, we’re seeing nonstop flights from San Francisco to Nadi for 28,000 miles plus $5.60 in taxes and fees. Coming back the other way, taxes and fees are closer to $117.

    SFO to NAN on Fiji Airways (PointsYeah screenshot)
    POINTSYEAH

    The lowest prices are available on select dates, including some close-in departures (flights leaving within the next few days or weeks) and dates during Fiji’s traditionally rainier season, which generally runs from November through April.

    It’s also worth knowing that Fiji Airways award pricing through American Airlines is “enhanced,” meaning prices can fluctuate above that floor depending on factors such as demand.

    {{ search-widget mode=”flight” }}

    One catch is that the 28,000-mile rate is limited to nonstop flights. Adding a connection (say, Phoenix to Los Angeles to Nadi) brings the starting price back to 40,000 miles.

    So, you might be able to save miles by booking a separate positioning flight to LAX, SFO, or YVR. Just allow plenty of time between flights.

    Prefer to fly up front? Business class awards still start at 80,000 AAdvantage miles each way. Those rates didn’t drop when the economy ones did.

    More on This: How to Search for Flights with PointsYeah

    How to Get American Airlines Miles

    If you don’t have enough AAdvantage miles to book one of these flights, you can earn more with a co-branded American Airlines credit card or by transferring Citi ThankYou Points to American Airlines.

    The transfer ratio depends on which Citi card you have. Eligible Citi ThankYou Points-earning cards with annual fees offer 1:1 transfers.

  • Wyndham Homes & Havens: A New Way to Redeem Points for Vacation Rentals

    Wyndham Homes & Havens: A New Way to Redeem Points for Vacation Rentals

    Wyndham Rewards is getting back into vacation rentals in a big way.

    On October 29, the program launched Homes & Havens, which is a new platform where members can earn and redeem points at nearly 800 homes, villas, and other properties around the world.

    The launch comes nearly a year after Wyndham ended its popular partnership with Vacasa in December 2025. Members could (and still can) redeem points for vacation rentals through Cottages.com, but those properties are limited to the United Kingdom.

    Here’s what to know about Homes & Havens and how to earn and redeem points for stays.

    A Look at Wyndham’s New Homes & Havens

    The new Homes & Havens platform launches with nearly 800 professionally managed rentals across the U.S., Caribbean, Mexico, and Europe.

    The collection includes everything from villas in St. Barts to ski-in/ski-out properties in Colorado. Wyndham also plans to add hundreds more accommodations in the coming months, including cabins, yurts, and tiny homes.

    Members earn 5 Wyndham Rewards points per dollar on qualifying paid stays, and eligible nights count toward Wyndham Rewards status.

    Paid stays can be booked online, although some properties require a reservation request and follow-up from a specialist.

    Redeeming Wyndham Points for Vacation Rentals

    Like Wyndham’s former Vacasa partnership, Homes & Havens uses a per-bedroom redemption structure rather than a flat rate for the entire property.

    There are currently three redemption tiers:

    • 15,000 points per bedroom, per night
    • 30,000 points per bedroom, per night
    • 45,000 points per bedroom, per night

    A fourth tier, starting at 5,000 points per bedroom, per night, is expected as the collection grows.

    Which tier a property falls into depends on its nightly cash rate per bedroom. Wyndham confirmed to Points Insider that it doesn’t disclose the specific dollar thresholds separating the tiers, although members can find out exactly how many points they’ll need before booking.

    For now, that means calling Wyndham Rewards Member Services at 866-996-7937 to confirm availability, the applicable redemption tier, and the total points required for a stay.

    Wyndham says it expects to introduce online redemptions in the coming weeks, allowing members to check availability and see redemption prices directly through the platform.

    There are a few other things to remember:

    • Book ahead. Members must contact Wyndham Rewards Member Services at least 60 days before arrival to redeem points.
    • Points don’t cover everything. Taxes, cleaning fees, and other mandatory charges are still payable in cash.
    • Not every property will participate. Wyndham expects most rentals to be available for redemption, but some won’t qualify.

    For Wyndham Rewards members who lost a useful redemption option when Vacasa exited the program, Homes & Havens is great to see. But how valuable these new redemptions will be remains to be seen, especially without published pricing thresholds and with additional cash charges to consider.

  • Amex Adds New Ways to Redeem Cash Back Into Savings and Checking Accounts

    Amex Adds New Ways to Redeem Cash Back Into Savings and Checking Accounts

    American Express is now offering eligible cash-back cardholders another way to use their rewards.

    Starting October 29, 2026, eligible U.S. consumer cardholders can redeem their Reward Dollars directly into an American Express High Yield Savings Account. Certain business cardholders can also redeem rewards into an Amex Business Checking account.

    Here’s what’s changing and how the new redemption options work.

    Redeem Amex Cash Back Into a High Yield Savings Account

    Eligible American Express consumer cash-back cardholders can now redeem Reward Dollars directly into an Amex High Yield Savings Account (HYSA).

    The redemption rate is 1:1, meaning $50 in Reward Dollars translates to a $50 deposit. There’s no minimum redemption amount.

    Once deposited, the funds earn interest at the account’s prevailing annual percentage yield (APY). Currently, that stands at 3.2%. Interest compounds daily and is credited monthly.

    This applies to eligible consumer cash-back cards, including the Blue Cash Preferred Card from American Express.

    Cardholders can continue redeeming their Reward Dollars for statement credits or eligible purchases at Amazon.com. The savings account option just gives eligible cardmembers another way to use their rewards.

    And while the redemption value itself isn’t changing, depositing rewards into a savings account means that money can begin earning interest. Over time, that could help cardholders get a little more value from the cash back they’ve already earned.

    According to the press release, American Express also plans to introduce automatic Reward Dollars deposits into eligible savings accounts sometime in 2027.

    Business Cardholders Get a New Redemption Option, Too

    American Express is also introducing a similar feature for its Graphite Business Cash Unlimited Card.

    Eligible cardholders can redeem Reward Dollars directly into an American Express Business Checking account at a 1:1 rate. Here, too, there’s no minimum redemption amount.

    That means $100 in cash-back rewards can be deposited as $100 into an eligible business checking account.

    For now, Amex has only identified the Graphite Business Cash Unlimited Card as eligible for this feature. The company hasn’t announced whether other business cash-back cards will be included.

    How to Redeem Amex Reward Dollars Into a Bank Account

    To use either option, you’ll need an eligible American Express cash-back card and the corresponding Amex bank account.

    Here’s how to redeem your rewards:

    1. Log in to your American Express account online.
    2. Select your eligible cash-back card and navigate to your Reward Dollars balance.
    3. Choose the option to deposit rewards into your Amex High Yield Savings Account or Business Checking account.
    4. Enter the amount you’d like to redeem.
    5. Review and confirm the deposit.

    There’s no minimum redemption amount, and American Express says the feature will also be available through its mobile app soon.

  • Earn $50 or Up to 5,000 Amex or Bilt Points With Rakuten’s New Member Bonus

    Earn $50 or Up to 5,000 Amex or Bilt Points With Rakuten’s New Member Bonus

    Rakuten is a free shopping portal that lets you earn cash back or points on purchases you’re already making, on top of the rewards you earn with your credit cards.

    And through the end of the year, new members can earn $50 or up to 5,000 points after spending just $50 through a referral link.

    Here’s how the offer works.

    How to Earn the $50 Rakuten Bonus

    Rakuten partners with more than 3,500 brands, allowing you to earn rewards when shopping online or at participating stores.

    At a glance, the current referral offer looks like this:

    • Sign-up bonus: $50 in cash back or points
    • Spending requirement: $50 in qualifying purchases (within 90 days of joining)
    • Eligibility: New Rakuten members located in the 50 U.S. states or Washington, D.C.
    • Offer ends: December 31, 2026

    To get started, sign up for Rakuten through our referral link.

    Once you’ve created an account, shop through Rakuten at participating retailers. You can meet the $50 spending requirement with one purchase or multiple qualifying purchases within 90 days.

    For everyday use, Rakuten also offers a browser extension that reminds you to activate cash back when shopping online. Alternatively, you can use the Rakuten app to shop, track your rewards, and find in-store cash-back offers.

    After your qualifying purchases are confirmed, you’ll receive the referral bonus through Rakuten’s quarterly payment schedule. Depending on your selected payout method, you can receive cash back through PayPal or check, or earn Amex Membership Rewards or Bilt Points instead.

    Those latter two options are particularly interesting.

    Earn Amex Membership Rewards Points With Rakuten

    One of Rakuten’s most useful features for points and miles enthusiasts is its partnership with American Express.

    Eligible Amex cardmembers can link their Membership Rewards account to Rakuten and choose to earn points instead of cash back.

    The conversion rate is 100 Membership Rewards points per $1 in Rakuten cash back. So, if a retailer offers 10% cash back, you can instead earn 10 Membership Rewards points per dollar spent.

    That means the $50 referral bonus could be worth 5,000 Membership Rewards points if you choose to receive your rewards that way.

    To get started, visit your Rakuten account settings, select Membership Rewards as your payment method, and link your eligible Amex account.

    Rakuten transfers confirmed Membership Rewards points quarterly, on February 15, May 15, August 15, and November 15. You’ll need at least 501 confirmed points for a transfer; smaller balances roll over to the next payment date.

    And remember, these points are earned on top of the rewards you already earn with your credit card (which doesn’t even have to be an Amex card).

    A young female traveller is using her laptop on her vacation.
    RECEP-BG / ISTOCK

    Earn Bilt Points With Rakuten

    Rakuten also lets members earn Bilt Points instead of cash back.

    To enable this option, you’ll need to link your Rakuten and Bilt accounts through Bilt’s website or app. Your email addresses must match on both accounts.

    Once linked, Rakuten will convert your confirmed cash back into Bilt Points. The conversion rate depends on your Bilt elite status at the time of payout:

    • Blue members: 50 Bilt Points per $1 in cash back
    • Silver, Gold, and Platinum members: 100 Bilt Points per $1 in cash back

    That means the $50 referral bonus could be worth 2,500 Bilt Points for Blue members or 5,000 Bilt Points for Silver members and above.

    Bilt Points are transferred quarterly, following Rakuten’s regular payment schedule. You’ll need at least $5.01 in confirmed cash back for a payout.

    Ready to Get Started?

    If you’re not already a Rakuten member, this is an easy way to pick up some extra cash back or points on purchases you’d make anyway.

    Just sign up through our referral link by December 31, 2026, and spend at least $50 on qualifying purchases within 90 days of joining to earn your bonus.

    And since Rakuten is free to use, you can continue earning additional rewards on everyday purchases long after you’ve earned the new member bonus.

  • Book Today: JetBlue Promo Code Takes 15% Off Flights

    Book Today: JetBlue Promo Code Takes 15% Off Flights

    JetBlue is offering 15% off select nonstop flights with promo code TREAT15, but you’ll need to book by 11:59 p.m. ET tonight, October 28, 2026, to take advantage.

    This sale isn’t sticking around for long.

    The discount applies to eligible Main and EvenMore fares for travel between November 2, 2026, and February 10, 2027, with a handful of restrictions.

    How to Get 15% Off JetBlue Flights

    To use the offer, head to JetBlue’s website, search for an eligible nonstop flight, and enter promo code TREAT15 when booking.

    Here are the key terms to know:

    • Book by: October 28, 2026, at 11:59 p.m. ET
    • Travel dates: November 2, 2026 – February 10, 2027
    • Discount: 15% off the base airfare, excluding taxes and fees
    • Eligible fares: Main and EvenMore, including Base and Flex options
    • Excluded travel days: Fridays and Sundays
    • Blackout dates: November 19–30, December 17–January 4, and January 18
    • Not eligible: Connecting flights, transatlantic flights, Mint, BlueFirst, award flights (see below), and Cash + Points bookings

    The discount is valid for new bookings made directly through JetBlue and can’t be combined with other offers.

    Keep in mind that the 15% discount only applies to the pre-tax fare, so your total savings will be a little less than 15% of the final ticket price.

    What About Tickets Booked With Points?

    JetBlue’s terms explicitly exclude award flights from the promotion. However, in our searches, we found that applying the promo code can also reduce the number of TrueBlue points needed for a flight.

    That’s likely because JetBlue’s award prices generally track the cash price of a ticket. When the promo code reduces the cash fare, the points price may drop, too.

    For example, a JetBlue flight between New York (JFK) and Boston (BOS) on December 1 costs $169 in Main, or 11,900 points without the promo code.

    Applying TREAT15 brings the cash fare down to $146, or 10,100 points. That’s a savings of 1,800 points on the same flight.

    JetBlue award from JFK to BOS.
    JETBLUE.COM

    If this sale piques your interest, don’t hesitate. It’ll end before you know it.

  • When Do Hotel Points Expire? Rules for 7 Programs

    When Do Hotel Points Expire? Rules for 7 Programs

    Hotel points can be incredibly valuable, but unlike miles in many major U.S. airline loyalty programs, most hotel points expire if you go a while without using your account.

    And the rules vary quite a bit. Some programs give you two years of inactivity before your points expire, while others have shorter windows or additional restrictions.

    Here’s how long points last with seven major hotel loyalty programs, what you can do to keep them active, and a few exceptions worth knowing.

    Hilton Honors

    Hilton Honors points expire after 24 months without qualifying activity.

    You can reset the clock by staying at a participating hotel, earning points (including with a Hilton Honors credit card), buying points, or even donating points to a charitable cause.

    If your points expire, Hilton lets you pay to reinstate eligible points.

    IHG One Rewards

    IHG One Rewards points expire after 12 months without earning or redeeming points. That’s the shortest expiration window on this list.

    However, IHG One Rewards elite members are exempt from expiration as long as they maintain their status.

    Using an annual free night certificate from an IHG credit card doesn’t count as earning or redeeming points. If you’re a Club member (meaning you don’t have elite status), you’ll still need qualifying activity at least once every 12 months.

    World of Hyatt

    World of Hyatt points expire after 24 months of inactivity.

    There are several ways to keep your points active, including earning or redeeming points, gifting an award, converting points to a partner program, buying or combining points, or holding an eligible Hyatt credit card linked to your account.

    If your points expire, they can’t be reinstated.

    Marriott Bonvoy

    Marriott Bonvoy points expire after 24 months without qualifying activity.

    You can keep your balance active by earning or redeeming points, completing a qualifying hotel stay, buying points, converting points with partners, or making qualifying purchases with a Marriott Bonvoy credit card.

    However, gifting, transferring, or receiving points doesn’t reset the expiration clock.

    Marriott Bonvoy Lifetime Elite members are exempt from points expiration. For everyone else, forfeited points can’t be reinstated.

    Choice Privileges

    Choice Privileges points expire after 18 calendar months without qualifying earning or redemption activity.

    You can reset the clock through an eligible hotel stay, redeeming points, earning points with a co-branded Choice credit card, or purchasing points.

    Choice Privileges Gold, Platinum, Diamond, and Titanium members are exempt from expiration as long as they maintain their status. If you lose elite status, the 18-month clock begins when your status ends.

    If your points expire, Choice offers a paid reinstatement option within 180 days of expiration.

    Wyndham Rewards

    Wyndham Rewards has two separate expiration rules. This makes it a little more complicated than other hotel programs.

    First, individual points generally expire four years after they’re earned, regardless of account activity.

    Second, your points can expire after approximately 18 months without qualifying account activity, such as earning, redeeming, or transferring points.

    Holding a Wyndham Rewards Earner Premier Card can protect against inactivity-based expiration. Points earned while you’re an eligible Earner Premier cardholder are also exempt from the four-year expiration rule while the card remains open and in good standing.

    Leading Hotels of the World (Leaders Club)

    Leaders Club points expire after 24 months without qualifying activity.

    Earning, purchasing, transferring, or redeeming points resets the expiration clock.

    If your points expire, they can’t be reinstated. However, you can start earning points again after completing another qualifying stay, which begins a new 24-month period.

    Your Leaders Club membership itself doesn’t expire, although the program may deactivate accounts after three consecutive years without activity.

  • Chase Ultimate Rewards Transfer Partners: Airlines, Hotels, and Ratios

    Chase Ultimate Rewards Transfer Partners: Airlines, Hotels, and Ratios

    Chase Ultimate Rewards points are valuable for several reasons. But when it comes to travel, one of the biggest is the ability to transfer them to airline and hotel loyalty programs.

    The issuer currently has 14 airline and hotel transfer partners. Most transfers are at a 1:1 ratio, though one partner (World of Hyatt) is a notable exception for some cardholders.

    Here’s the full list of Chase Ultimate Rewards transfer partners, their transfer ratios, and which credit cards give you access to them.

    Chase Ultimate Rewards Airline Transfer Partners

    Chase has 10 airline transfer partners spanning all three major airline alliances. Several of these programs can also be useful for booking flights on partner airlines.

    All 10 programs accept Chase Ultimate Rewards points at a 1:1 ratio, meaning 1,000 Chase points become 1,000 airline miles or points. That ratio can improve for a limited time when there’s a transfer bonus.

    {{ transfer-partner-table bank=”Chase” type=”airline” }}

    One thing worth remembering is that you don’t necessarily need to transfer points to the airline you’re flying.

    For example, JetBlue TrueBlue points can be used to book United Airlines flights, while Virgin Atlantic Flying Club points can be redeemed for flights on Delta, Scandinavian Airlines, and other partners.

    Chase Ultimate Rewards Hotel Transfer Partners

    Chase also partners with four hotel loyalty programs.

    Three have a standard 1:1 transfer ratio. World of Hyatt is the exception, as the ratio depends on which Chase credit card you have.

    {{ transfer-partner-table bank=”Chase” type=”hotel” }}

    Chase-to-Hyatt transfer ratios depend on your card

    Unlike Chase’s other transfer partners, World of Hyatt no longer offers the same transfer ratio across all eligible Ultimate Rewards cards.

    Here’s how the ratios differ:

    Chase Credit CardWorld of Hyatt Transfer Ratio
    Chase Sapphire Reserve1:1
    Chase Sapphire Reserve for Business1:1
    Chase Sapphire Preferred4:3
    Ink Business Preferred4:3

    For Sapphire Reserve cardholders, transferring 10,000 Chase points yields 10,000 World of Hyatt points. But for Sapphire Preferred or Ink Business Preferred cardholders, the same 10,000 Chase points would yield just 7,500 Hyatt points.

    If you have both a Sapphire Reserve and a Sapphire Preferred, though, you can access the better transfer ratio through your Sapphire Reserve.

    Keep in mind that a 1:1 transfer ratio doesn’t necessarily mean you’re getting equal value from every hotel partner. Each program has its own pricing methodology, so it’s worth comparing the points required before transferring.

    How to Transfer Chase Ultimate Rewards Points

    Transferring Chase points to an airline or hotel partner is a straightforward process.

    1. Sign in to your Chase account.
    2. Open Ultimate Rewards.
    3. Select Transfer Points to Partners.
    4. Choose your airline loyalty program.
    5. Enter the number of points you’d like to transfer and confirm.

    Some transfers process almost instantly, while others can take a little longer. And once you’ve transferred points to an airline or hotel program, you can’t move them back to Chase.

    For that reason, it’s best to confirm that the award flight or hotel stay you want is available before transferring your points.

    It’s also worth linking the loyalty accounts you expect to use ahead of time, even if you don’t have an immediate redemption in mind. Last-minute transfers can sometimes get held up by security checks or account-linking issues (including something as simple as an incorrect loyalty account number).

    Getting those accounts linked early can help avoid headaches when you need to transfer points in a pinch.

    More on This: How to Convert Credit Card Points to Airline Miles

    Which Chase Credit Cards Earn Transferable Ultimate Rewards Points?

    Not every Chase credit card that earns Ultimate Rewards points allows you to transfer them directly to airline and hotel partners.

    The main cards that offer this benefit are:

    Chase Credit CardAccess to Transfer Partners
    Chase Sapphire PreferredYes
    Chase Sapphire ReserveYes
    Chase Sapphire Reserve for BusinessYes
    Ink Business PreferredYes
    Chase Freedom FlexNot directly
    Chase Freedom UnlimitedNot directly
    Ink Business CashNot directly
    Ink Business UnlimitedNot directly

    The distinction matters because cards like the Freedom Flex and Freedom Unlimited earn rewards that can be combined with points on eligible Sapphire or Ink cards.

    For example, if you have a Freedom Unlimited and a Sapphire Preferred, you can combine the points earned on both cards and transfer them to participating airline and hotel partners through your Sapphire Preferred account.

    But if you only have the Freedom Unlimited, you won’t have access to transfer partners.

    In other words, you don’t necessarily need to put all your spending on a premium Chase card to take advantage of its transfer partners.

  • The Future of Loyalty Isn’t Just About Earning Points

    The Future of Loyalty Isn’t Just About Earning Points

    Every year, banks, airlines, and hotels issue billions of points and miles.

    According to the Consumer Financial Protection Bureau, consumers held more than $33 billion in unused credit card rewards at the end of 2022.

    Is that because loyalty programs don’t want members redeeming their points? Absolutely not.

    Points are a liability on the balance sheet. Programs generate billions selling miles as currency, but they only recognize that revenue when members redeem. For banks, airlines, and hotels, redemption drives engagement, and engagement drives spending. Everyone in the ecosystem needs people to use their points.

    So why do so many points go unused?

    It’s not lack of intent, but instead a lack of awareness.

    The loyalty landscape has changed faster than most members realize. Award availability has shifted from scarce, hard-to-find seats to flights bookable for a few thousand miles. Everyday redemptions, not just aspirational ones, are now possible.

    Most members simply haven’t kept up.

    That’s why we built PointsYeah: a free tool designed to close that awareness gap and make redemption fast, simple, and straightforward. When people know what’s possible and can see it instantly, they redeem more often.

    And that’s the future of loyalty: engagement.

    Real engagement isn’t one big trip a year. It’s the smaller moments:

    • 800 miles for a premium drink in the Delta Sky Club
    • A quick point-of-sale redemption with United miles at an airport shop in Newark
    • A spontaneous weekend getaway
    • Visiting family without paying cash for flights

    These smaller redemptions matter just as much as the big ones. Points only have value when redeemed, and programs benefit when members stay active.

    That’s the core of what PointsYeah does: remove friction, make redemption easier through free, fast searches, and keep members engaged.

    The future of loyalty isn’t only about earning more.

    It’s about using what you already have more frequently.

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