Tag: Chase Ultimate Rewards

Loyalty programs

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.

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.

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.

October 28, 2026

5 Airlines You Can Book to Orlando With Chase Points

Orlando is consistently one of the most-searched domestic destinations on PointsYeah. Between its theme parks, resorts, convention centers, and (just about) year-round warm weather, there’s no shortage of reasons to visit Central Florida.

And if you’ve got Chase Ultimate Rewards points, there are plenty of ways to use them to get there.

Chase has several airline transfer partners that let you book flights to Orlando International Airport (MCO), including on airlines that aren’t direct transfer partners. You can also use points to book flights through Chase Travel.

Airlines You Can Fly to MCO With Chase Points

American, Delta, JetBlue, Southwest, and United (among several others) all fly to Orlando. And while Chase doesn’t transfer points directly to every airline, you can use its transfer partners to book flights on all five.

Airline	Use These Chase Transfer Partners
American Airlines	British Airways Club, Iberia Club
Delta Air Lines	Air France-KLM Flying Blue, Virgin Atlantic Flying Club
JetBlue	JetBlue TrueBlue, United MileagePlus
Southwest Airlines	Southwest Rapid Rewards
United Airlines	United MileagePlus, Air Canada Aeroplan, JetBlue TrueBlue, Singapore Airlines KrisFlyer

Southwest, United, and JetBlue are the most straightforward options. Chase transfers directly to all three programs, so you can move your points over and book flights through their respective websites.

It’s the simplest way to go from transferring points to booking a flight.

American and Delta work a little differently. Chase doesn’t transfer directly to either airline, but you can use British Airways Avios to book American flights or Air France-KLM Flying Blue miles to book Delta flights.

And those aren’t your only options. For example, Virgin Atlantic Flying Club can be useful for Delta flights. We found one such flight from Seattle (SEA) to Orlando for 22,000 Virgin points.

PointsYeah search results for SEA to MCO operated by Delta. — POINTSYEAH

There’s one thing to keep in mind when booking through a partner program: Airlines don’t necessarily make every flight available to their partners.

For example, you might find a United flight available through MileagePlus but not through Air Canada Aeroplan. That’s because not every seat on the operating airline is made available to partner programs.

That’s why we’d recommend searching before transferring anything. See which programs have flights on your dates, compare the points prices and taxes, and then decide where to transfer your Chase points.

Booking Flights Through Chase Travel

You don’t necessarily need to transfer your Ultimate Rewards points to an airline to book a flight to Orlando.

Chase Travel lets you redeem points for flights on a much larger selection of airlines, including those that aren’t Chase transfer partners.

Redemptions start at 1 cent per point (so 10,000 Chase points can be worth $100 toward flights booked this way), although Chase’s Points Boost feature can get you up to 2 cents per point on select flights, depending on which card you have.

That could be worth considering if you find a cheap cash fare (particularly on a budget airline), aren’t seeing anything appealing through airline loyalty programs, or want to fly an airline that isn’t available through Chase’s transfer partners.

Just check the price in points before booking. Not every flight qualifies for Points Boost, and the redemption rates can vary.

More on This: PointsYeah Chrome Extension: See Points Prices as You Search Bank Travel Portals

Find Flights to Orlando With PointsYeah

As mentioned, before transferring your Chase points, it’s worth seeing what’s available.

You can use PointsYeah to search flights to Orlando across multiple loyalty programs at once, rather than checking each airline’s website individually.

And since several Chase transfer partners can book flights on the same airlines, you might find different prices for the exact same flight.

Credit Cards That Earn Chase Ultimate Rewards Points

Of course, you’ll need Chase Ultimate Rewards points before you can transfer them to an airline or book through the Chase Travel portal.

Four Chase cards earn points that can be transferred directly to participating airline and hotel loyalty programs:

There are also two no-annual-fee business cards worth checking out:

These two cards technically earn cash back. However, if you also have one of the four Ultimate Rewards-earning cards above, you can combine your rewards into a single Ultimate Rewards account and transfer those points to Chase’s airline and hotel partners.

That means you can earn rewards on everyday purchases with a no-annual-fee card and still have the option to use them for flights to Orlando.

October 19, 2026

4 Reasons the Chase Sapphire Preferred Still Makes Sense
Credit cards have gotten increasingly complicated over the past few years. Annual fees are climbing, benefits are being divided into monthly or quarterly credits, and getting your money’s worth takes more time and attention than ever.

The Chase Sapphire Preferred® Card (still) takes a somewhat different approach.

With a $95 annual fee, useful earning categories, and a collection of travel benefits, it’s a relatively uncomplicated option for travelers who want to earn points without committing a small fortune to an expensive premium card.

Here are four reasons the card is worth a closer look.

A $100 Hotel Credit That Can Offset the Annual Fee

One of the Sapphire Preferred’s most useful benefits is its $100 annual Chase Travel hotel credit.

Cardholders receive up to $100 in statement credits each account anniversary year when booking hotels through Chase Travel. The credit is applied automatically, and there’s no enrollment required.

That’s enough to offset the card’s $95 annual fee.

There is a catch, though. You have to book through Chase Travel rather than directly with the hotel. Portal rates aren’t always the lowest, so it’s worth comparing prices before making a reservation.

Also, the first $100 in eligible hotel purchases each year won’t earn Chase Ultimate Rewards points.

But for someone who can make use of the credit (perhaps for a one-night airport hotel stay before an early flight or after a late arrival), it’s a relatively simple way to offset the annual fee.

Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort. WYNDHAM

A Good Card for Everyday Spending

Some travel credit cards offer excellent benefits but aren’t particularly rewarding for everyday purchases.

The Sapphire Preferred has a fairly broad set of bonus categories. Cardholders earn:
- 5X points on purchases through Chase Travel.
- 3X points on dining, including eligible takeout and delivery.
- 3X points at gas stations, EV charging stations, and vacation homes at select brands.
- 3X points on eligible online groceries and select streaming services.
- 2X points on other travel purchases.
- 1X points on everything else.
Together, these categories cover a broad range of everyday purchases without requiring cardholders to track rotating categories or activate quarterly bonuses.

Plus, Ultimate Rewards points don’t expire as long as you keep your credit card account open.

More on This: I Want to Travel With Points. Where Do I Start?

Travel Protections That Can Save You Money

Travel insurance isn’t usually the first thing people consider when choosing a credit card, but it’s one of the Sapphire Preferred’s more valuable features.

For starters, the card offers primary rental car coverage. It provides up to $60,000 in reimbursement for covered theft and collision damage to eligible rental vehicles. That generally means you don’t have to file a claim with your personal auto insurance first.

The card also includes several protections for when travel plans go wrong:
- Trip delay reimbursement: Up to $500 per covered traveler for eligible expenses when a trip is delayed more than 12 hours or requires an overnight stay.
- Trip cancellation and interruption insurance: Up to $10,000 per covered traveler and $20,000 per trip for eligible prepaid, nonrefundable expenses.
- Baggage delay insurance: Up to $100 per day for five days when baggage is delayed more than six hours.
There’s also lost luggage reimbursement and a new emergency evacuation and transportation benefit offering up to $100,000 in coverage for qualifying situations.

All of these protections have eligibility requirements and exclusions, but they’re useful benefits to have on a card with a $95 annual fee.

ANDRESR / ISTOCK

You’re Not Tied to One Airline or Hotel Program

One of the biggest advantages of earning Chase Ultimate Rewards points is the flexibility to decide where to use them.

Unlike an airline credit card, which earns miles in a single loyalty program, the Sapphire Preferred earns points that can be transferred to multiple airline and hotel partners.

That includes programs such as United MileagePlus, Air Canada Aeroplan, British Airways Club, and World of Hyatt.

You might use Aeroplan to book a United flight, British Airways Avios for a short American Airlines flight, or transfer points to a hotel program for an upcoming stay.

Keep in mind that transfer ratios can vary by partner and card. Chase’s recent changes to World of Hyatt transfers are one example.

A Chance to Earn More Ultimate Rewards Points

For those looking to build up their Chase Ultimate Rewards balance, the Sapphire Preferred also offers a welcome bonus for eligible new applicants.

The welcome offer can provide a substantial boost to your points balance after meeting the required spending threshold.

If you’re interested in learning more about the card, including its current welcome offer and terms (and all of its other benefits), click “Learn More” below.

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October 12, 2026
Chase Is Changing Hyatt Transfers for Select Cards on Oct. 1

Time is fleeting to transfer Chase points to World of Hyatt at 1:1 with some Ultimate Rewards cards.

Starting October 1, the Chase Sapphire Preferred and Ink Business Preferred will transfer points to Hyatt at a 4:3 ratio. For every 1,000 Chase points transferred, that means 750 Hyatt points instead of 1,000.

Some Sapphire Preferred cardholders are already living with the new ratio. Anyone who opened the card on or after June 15 got the 4:3 ratio from the start.

The Chase Sapphire Reserve and Sapphire Reserve for Business, meanwhile, are keeping 1:1 transfers.

That’s a pretty meaningful divide for people who regularly use Chase points to book Hyatt hotels.

A Hyatt stay costing 20,000 points currently takes 20,000 Chase points with a 1:1 transfer. At 4:3, it takes 27,000 Chase points, since Chase processes transfers in 1,000-point increments.

Three nights at that price goes from 60,000 Chase points to 80,000.

What to Do Before October 1

If there’s a Hyatt stay somewhere in the plans, now is a good time to price it out.

That doesn’t have to mean booking a hotel today. Check trips already planned for next year, weekends under consideration, or anywhere Hyatt was already a possibility.

If a hotel is available with points and the trip is likely to happen, waiting until after October 1 to transfer could mean spending considerably more Chase points for exactly the same stay.

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That doesn’t mean emptying an Ultimate Rewards account into Hyatt. Transfers are final, and keeping points with Chase leaves more options if plans change.

There is another way to keep the 1:1 ratio.

Chase is effectively making it a perk of its more expensive Sapphire Reserve cards. Someone who uses Hyatt regularly now has another reason to compare the Sapphire Preferred with the Sapphire Reserve, or the Ink Business Preferred with the Sapphire Reserve for Business.

That’s a bigger decision than what to do before October 1. For now, if a Hyatt stay is somewhere on the horizon, it’s worth seeing what it costs before the transfer rate changes.

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September 28, 2026
Chase Is Changing Two Sapphire Reserve for Business Benefits

Chase is making two changes to the Sapphire Reserve for Business, and one is considerably easier to call an upgrade than the other.

The card’s annual statement credit for hotel stays through The Edit by Chase Travel will double from $500 to $1,000 beginning January 1, 2027. Meanwhile, Chase is adding a $1 million annual spending cap to the card’s 3-points-per-dollar earning rate on eligible social media and search engine advertising purchases beginning November 15, 2026.

Here’s what’s changing.

The Edit Credit Doubles, but Takes More Stays to Use

Beginning January 1, the Sapphire Reserve for Business will offer up to $1,000 in annual statement credits for stays booked through The Edit by Chase Travel, up from the current $500.

That’s a meaningful increase, but Chase isn’t handing cardmembers a single $1,000 hotel credit.

Instead, the benefit will be divided into a minimum of four statement credits worth up to $250 per stay. Using the full $1,000 will therefore require at least four qualifying stays during the year.

The Edit is Chase’s collection of higher-end hotels and resorts. Eligible stays also include benefits such as daily breakfast for two, a $100 property credit, and a room upgrade when available.

For businesses already booking several stays through The Edit each year, the additional $500 could be valuable. Those making only one or two eligible stays will have a harder time using the full benefit.

Advertising Spend Gets a $1 Million Cap

The other change goes in the opposite direction.

Beginning November 15, cardmembers will earn 3 points per dollar on the first $1 million spent on eligible social media and search engine advertising each account anniversary year. Spending beyond that threshold will earn the card’s standard 1 point per dollar.

A $1 million annual cap won’t affect most small businesses. But it is still a restriction on one of the card’s business-focused bonus categories, and it could matter for companies with particularly large advertising budgets.

The unusual timing is worth noting, too. For this benefit, Chase defines the first account anniversary year as beginning November 15, 2026, and running through the monthly statement on which the next annual fee appears. Subsequent periods will run for 12 months.

Neither change alters the Sapphire Reserve for Business’s other benefits. But together they make for a mixed update. There’s potentially another $500 a year available through The Edit, provided there are enough qualifying stays to use it, while the advertising category becomes less rewarding after $1 million in annual spending.

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September 17, 2026
Chase Sapphire Reserve Adds Limited-Time Travel Offers and a Bigger DoorDash Credit
The Chase Sapphire Reserve is turning 10, and Chase is marking the occasion with several limited-time travel offers and an upgrade to one of the card’s existing benefits.

The most lasting change is coming to its DoorDash perk. Beginning October 1, 2026, the current $5 monthly restaurant credit will increase to $15 and become usable on all eligible DoorDash orders.

Chase is also rolling out limited-time statement credit offers with IHG, Hyatt, JSX, Wander, and SIXT.

Here’s what’s new and what’s on offer.

The DoorDash Credit Is Getting More Useful

Beginning October 1, Sapphire Reserve cardmembers with an eligible DashPass membership will receive a $15 monthly DoorDash credit that can be used on eligible DoorDash orders.

That’s an increase from the current $5 monthly restaurant credit, and the restriction to restaurant orders is going away.

The card’s two existing $10 monthly non-restaurant DoorDash promotions aren’t changing. Combined, that means eligible cardmembers can receive up to $35 in DoorDash value each month.

Chase says the updated benefits will be available through December 31, 2029.

Getting the full $35 in value still means using DoorDash multiple times each month. But the larger and more flexible $15 credit should be easier to use than the benefit it replaces.

Sapphire Reserve Adds Limited-Time Travel Credits

The anniversary also brings several travel offers for existing Sapphire Reserve cardmembers. Activation is required, and each comes with its own spending requirement.
- $125 back at IHG Hotels & Resorts after spending at least $500 on an eligible U.S. stay. Payment must be completed by October 16, 2026.
- $250 back at Miraval and Alila after spending $1,000 at participating U.S. properties that are part of World of Hyatt. Payment must be completed by December 14, 2026.
- $200 back with JSX after spending $200 on a semi-private flight by December 14, 2026.
- $350 back with Wander after spending $1,500 on a vacation home by December 14, 2026.
- $125 back with SIXT after spending $500 on a premium car rental by December 14, 2026. Chase says this offer is available to eligible cardmembers as of August 25, 2026.
There’s one additional detail to know before booking. These anniversary offers apply when booking or paying directly with the participating partner, not through Chase Travel.

And some of the discounts are sizable if an eligible purchase was already in the plans. The JSX offer covers a $200 purchase entirely, while the IHG and SIXT offers amount to 25% back when spending exactly the required amount.

Chase Is Also Giving Away Ultimate Rewards Points

Chase is also running an anniversary contest from September 16 through November 6.

Cardmembers can share a favorite trip taken since 2016 for a chance to be one of 10 finalists. The grand-prize winner will receive 5.5 million Ultimate Rewards points, while the other nine finalists will each receive 500,000 points.

The contest comes with the biggest number, but the DoorDash change and anniversary travel offers are likely to matter more for most existing cardmembers. The travel offers are temporary and require activation, while the expanded DoorDash benefit begins October 1 and is slated to stick around through the end of 2029.

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September 16, 2026
Earn Up to 200K Points or $750 Cash Back With These Chase Business Cards

Chase has a handful of offers available on its business credit cards right now.

Depending on the card, new cardholders can earn as many as 200,000 Ultimate Rewards points or $750 cash back after meeting a spending requirement.

There are several offers to sort through, but the good news is that the distinction between points and cash back isn’t quite as important as it might seem. And qualifying for a business card can be more straightforward than the name suggests.

Here’s what’s available now.

Elevated Chase Business Card Welcome Offers Are Available

Several Chase business cards are currently offering elevated welcome bonuses.

The offers, spending requirements, annual fees, and other benefits vary by card. Click “Learn More” on any card for a closer look.

Ultimate Rewards cards

The Chase business credit cards below earn Ultimate Rewards points. Those points can be transferred to Chase’s airline and hotel partners, redeemed for travel through Chase Travel, and used in several other ways.

Each card varies in its earning rates, benefits, annual fee, and current welcome offer.

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Cash back cards

Chase also offers a couple of business cards that are marketed as cash-back cards. Both have no annual fee and identical bonuses, but they differ in how they earn rewards.

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Anyone interested in traveling with points and miles might be inclined to ignore a cash-back card. But there’s a useful trick for anyone who also has a Chase card that earns Ultimate Rewards points.

That cash back doesn’t necessarily have to stay cash back.

Points or Cash Back? They Can Be Combined

Chase markets some cards as earning cash back. But behind the scenes, those rewards can function a lot like Ultimate Rewards points.

Every $1 in cash back is equivalent to 100 points. Rewards from an eligible cash-back card can then be combined with an Ultimate Rewards account from a points-earning Chase card.

For example, someone with a Chase Sapphire Preferred Card who earns $750 cash back from a cash-back Ink Business card could combine those rewards and end up with 75,000 additional Ultimate Rewards points. The same idea works with an eligible business card that earns points, such as the Ink Business Preferred.

That matters because Ultimate Rewards points are incredibly versatile. They can be transferred to Chase’s airline and hotel partners, redeemed for travel through Chase, used for statement credits, and more.

More on This: How Credit Card Transfer Partners Work

Who Can Get a Business Card?

A business credit card does require a business. But that doesn’t necessarily mean a company with employees, an office, or a huge amount of revenue.

Traditional businesses can qualify, but so can many sole proprietors, freelancers, independent contractors, and people earning money from a side business.

MINISERIES / ISTOCK

There are also some important restrictions to know about these welcome offers.

For the Ink Business Preferred and Sapphire Reserve for Business, Chase says the new-cardmember bonus may not be available to anyone who has ever had that particular card. Chase also says it may consider factors related to the business when determining bonus eligibility.

The language is broader for the no-annual-fee Ink Business Cash and Ink Business Unlimited. Chase says the bonus may not be available to anyone who has ever had that card or any other Chase for Business card without an annual fee.

That means previous Chase business cards can matter even when applying for a different card, particularly with the no-annual-fee Ink cards.

For the full eligibility requirements, spending requirements, offer terms, and explainers on each card’s benefits, click “Learn More” on the individual card above.

September 3, 2026