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.
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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.
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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 Card | World of Hyatt Transfer Ratio |
|---|---|
| Chase Sapphire Reserve | 1:1 |
| Chase Sapphire Reserve for Business | 1:1 |
| Chase Sapphire Preferred | 4:3 |
| Ink Business Preferred | 4:3 |
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.
- Sign in to your Chase account.
- Open Ultimate Rewards.
- Select Transfer Points to Partners.
- Choose your airline loyalty program.
- 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 Card | Access to Transfer Partners |
|---|---|
| Chase Sapphire Preferred | Yes |
| Chase Sapphire Reserve | Yes |
| Chase Sapphire Reserve for Business | Yes |
| Ink Business Preferred | Yes |
| Chase Freedom Flex | Not directly |
| Chase Freedom Unlimited | Not directly |
| Ink Business Cash | Not directly |
| Ink Business Unlimited | Not 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.
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