Chase Ultimate Rewards Transfer Partners & How to Use Them

Travel Planning

Full Disclosure: We may be financially compensated when you click on links to credit card products from our advertising partners, such as American Express, Chase, Citi & Capital One. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure for more details. Thanks!

Chase Ultimate Rewards points are perhaps the most valuable points out there. There are plenty of great ways to earn Ultimate Rewards points, and even more fun ways to redeem them for award flights and hotel stays.

In this post, we’ll show you all of Chase’s transfer partners, how to transfer Ultimate Rewards to these partners, and much more. After reading this you’ll be ready to book that amazing getaway!

Earning Ultimate Rewards

With several Chase card options available to you, there are ample opportunities to earn Ultimate Rewards points that can help you book your next trip.

Recommended Chase Cards (Personal)

Chase Sapphire Preferred® Card - This is our favorite beginners travel rewards card which has a 60,000 point bonus (highest ever) after you spend $4,000 on purchases in the first 3 months from account opening.

This sign up bonus is worth $750 in travel purchases (flights, hotels, car rentals etc) when you redeem your points through Chase's travel portal, which works like Expedia. The bonus alone could get you multiple round-trip flights or hotel stays.
Chase Sapphire Reserve® - Consider this premium card if you want to get into a lot of airport lounges. The current sign up bonus is 50,000 points after you spend $4,000 on purchases in the first 3 months from account opening. You'll also get a $300 travel credit per year which wipes away a big chunk of the $450 annual fee.
Chase Freedom Unlimited® - A simple, no annual fee card that earns you 3% cash-back on all purchases in your first year (up to $20,000 spent), then 1.5% on all purchases after that. Just know that you won't get any travel benefits or the ability to earn bonus points with this card.

Recommended Chase Cards (Business)

Ink Business Preferred℠ Credit Card - This is our #1 recommended business card and comes with a whopping 80,000 sign up bonus after you spend $5,000 on purchases in the first 3 months after account opening. This bonus is worth $1,000 when you redeem through Chase Ultimate Rewards for travel purchases (flights, hotels etc). Also, if you pay for your cell phone bill with this card, you can get up to $600 in cell phone insurance coverage per year.
Ink Business Cash℠ Credit Card - earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening. In addition, get up to 5% cash back on a range of business expenses. A simple, $0 annual fee card.

You can also shop through the Chase shopping portal to earn extra Ultimate Rewards points when making purchases online. This is an easy way to boost your earnings on purchases you were going to make anyway.

Chase Airline Transfer Partners

The Chase Ultimate Rewards program currently has 9 airline transfer partners — two new programs, Aer Lingus AerClub and Iberia Plus, were added in November 2017.

Points transfer to all these airlines at a 1:1 ratio, which is one of the reasons Ultimate Rewards points are so valuable.

Chase Airline Transfer PartnerMin TransferTransfer Ratio
(Chase > Airline)
Transfer Time
Aer Lingus AerClub1,0001:1Almost Instant
British Airways Executive Club1,0001:1Almost Instant
1,0001:11 hour
Emirates Skywards1,0001:1New, pending reports
Iberia Plus1,0001:1Almost Instant
JetBlue1,0001:1Almost Instant
Singapore Airlines KrisFlyer
1,0001:11-2 days
Southwest Airlines Rapid Rewards1,0001:1Almost Instant
United Airlines MileagePlus1,0001:1Almost Instant
Virgin Atlantic Flying Club1,0001:1Almost Instant

Chase Hotel Transfer Partners

Ultimate Rewards can also be transferred to 3 hotel rewards programs. Like Chase’s airline partners, all transfers to hotel partners occur at a 1:1 ratio.

Chase Hotel Transfer PartnerMin TransferTransfer RatioTransfer Time
World of Hyatt
1,0001:1Almost Instant
IHG Rewards Club1,0001:11 day
Marriott Rewards1,0001:12 days

Hot Tip: Use our transfer partner tool to see how many points you’ll get when you transfer your Chase Ultimate Rewards to partner airlines and hotels!

How To Transfer Ultimate Rewards

Once you have some Ultimate Rewards points and are ready to transfer them to a partner to book your next big vacation, here are the simple steps to make the transfer process easy.

Here are the steps to make after logging into the Ultimate Rewards site.

Step 1: Select the appropriate card. If you want to transfer points, you will need to select an Ultimate Rewards card with an annual fee. You can combine Ultimate Rewards points under your chosen card from others that don’t have annual fees.

Ultimate Rewards Step 1

Step 2: Select “Transfer to Travel Partners” under the “Use Points” drop-down menu.

Chase-Ultimate Rewards Transfer Step 1

Step 3: Choose your desired airline or hotel partner and select “Transfer Points.”

Chase Airline Transfer Partners


Chase Hotel Transfer Partners

Step 4: If you haven’t already added your frequent flyer number or hotel rewards number, you will be prompted to do so.

Chase Ultimate Rewards Add Member Number

Step 5: Once you have linked your airline or hotel account to your Ultimate Rewards account, choose how many points you would like to transfer. Transfers must be done in increments of 1,000.

Chase Ultimate Rewards Transfer Amount

Step 6: Confirm the number of points you are transferring and complete to transfer.

Chase Ultimate Rewards Choose Airline Transfer Final

Step 7: Head over to the appropriate airline or hotel program’s website to book your award flight or award stay.

Chase Transfer Bonuses

Chase might be late to the game, but they are finally offering occasional transfer bonuses! Chase points transfer to their hotel and airline partners at a 1:1 ratio, and a bonus will just increase that value!

Chase’s first transfer bonus is a 30% bonus on transfers to British Airways Avios. This particular bonus is actually being awarded by British Airways so you won’t see it until you log in to your BA account.

British Airways Transfer Bonus
Image Credit:

History of Chase Transfer Bonuses

Chase Transfer PartnerTransfer BonusDates Offered
British Airways30%Through June 16, 2019

Booking Travel With the Chase Travel Portal

Sometimes it’s a better deal to use your points in the Chase travel portal to book hotels or flights. When booking flights, the travel portal is really only good for booking economy flights, but even then you may be better off transferring to an airline.

If you have the Chase Sapphire Reserve®, each Ultimate Rewards point is worth 1.5 cents when booking through the portal. If you have a Chase Sapphire Preferred® Card or Ink Business Preferred℠ Credit Card, each point is worth 1.25 cents when booking with the Chase travel portal.

Hot tip: Check out 10 valuable benefits of the Ink Business Preferred℠ Credit Card, there are bound to be a few that you’re not aware of!

Similar to the transfer process, you simply select “Explore & Book Travel” under the “Use Points” drop-down menu.

Check out an example of a travel portal booking below:

Chase Travel Portal Booking

This round-trip economy class booking is with Star Alliance airline Air Canada from Boston to Dublin (connecting in Toronto) and costs 35,717 Ultimate Rewards points.

Should You Transfer to a Partner or Book Through Chase?

Let’s think about the booking discussed above. If you were to book this same itinerary by transferring the points to Chase partner United Airlines, it would cost 60,000 points. In this case, booking through the portal would be a much better deal.

To ensure you get the most out of your points, it’s important to check both the portal and transfer options when booking economy class.

Other Ways To Use Your Points

The Chase travel portal also allows you to book hotels at the same 1.5 cents per point for cardholders of the Chase Sapphire Reserve®, or 1.25 cents per point with the Chase Sapphire Preferred® Card or Ink Business Preferred℠ Credit Card.

You can also redeem your points for gift cards to merchants like Airbnb, Lowe’s, Home Depot, or Amazon. Additionally, you can redeem your points for statement credits. Unfortunately, these options are a very poor use of points in terms of value and we do not recommend them!

Combining Ultimate Rewards From Different Accounts

Combining Ultimate Rewards from your different Chase accounts is a simple process. In the menu bar, you will see the points you have earned on your selected card. If you hover over the points available, you will see a drop-down menu of your cards and the available points from each.

Select “combine points” to consolidate your points under a single card. If you have the Chase Sapphire Reserve®, make sure to hold your Ultimate Rewards points there since they’ll be worth a minimum of 1.5 cents each.

Combine Chase Ultimate Rewards

Hot Tip: You can also combine points with 1 other household member. When you select “combine points,” you will have the option to add the account of a household member with whom you can combine points.

This allows spouses and significant others to pool the Ultimate Rewards they have earned into a single account so they can easily book some amazing travel.

Redeeming Ultimate Rewards

It’s clear that using your Ultimate Rewards points for travel is the best way for getting the most value out of them. With multiple transfer partners and countless ways to redeem points for travel, it can be overwhelming!

Fortunately, we’ve compiled multiple lists of the best ways to use your Chase Ultimate Rewards for some incredible travel experiences. See below:

Final Thoughts

The Chase Ultimate Rewards program should be a staple in your points-earning strategy. In fact, if you are just starting your miles and points journey, we recommend earning Ultimate Rewards initially. Check out our Express Guide to get started on the right track.

With Ultimate Rewards, you’ll have lots of ways to earn and redeem your points. Before you know it, you’ll be taking a trip of a lifetime…and then doing it again!

Featured Image: Courtesy of

Spencer Howard

About Spencer Howard

Always a fan of flying, it was only natural that Spencer was drawn to finding a way to improve the travel experience. Like many, he started this journey searching for cheap flights to take him around the world. This was fun for a while, but Spencer was intrigued by the idea of flying in business and first class! Throwing himself into what became an extensive research project, Spencer spent 3-4 hours per night learning everything he could about frequent flyer miles over the course of several months (he thinks this is normal).


The Platinum Card® from American Express

SPECIAL OFFER: Do You Qualify for a 100,000 Welcome Bonus with the Amex Platinum?


Want The Best Lounge Access?

The Amex Platinum is the best card for airport lounge access; no other card even comes close. Get into more than 1,200+ airport lounges across 130 countries including the amazing Centurion lounges.

We get ~$1,500+ in value each year with The Amex Platinum.

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. can i no longer transfer ultimate chase rewards to my southwest account???
    my drop down menu does not look like your photos

    great web page…
    thank you!

    • Hi Sean – when you login to your Chase account, on the right hand side you should see the number of Chase Ultimate Rewards that you have. Just click on it and you’ll get taken to the screenshot you see in the article!

  2. leah klein · May 23, 2018 · Reply

    Sorry i’m new to this – how do i find out the number of points from a partner airline to see if its worth transferring or not. Unless you have an account with them they only show the price in $ and not in points.

    • Michael McHugh · May 24, 2018 · Reply

      Hi Leah!

      I’d recommend using or google to search for the award chart that you want to use with the miles that you have. For example, if you’re wanting to use Chase Ultimate Rewards to fly Delta using Korean Air, I’d google “korean air partner award chart.” Please let us know if you have a specific redemption that you’re looking to book.

  3. Leah klein · May 24, 2018 · Reply

    Thanks so much !! So helpful

  4. John W · June 6, 2018 · Reply

    It looks things have changed and certain transfer are (the word is purposefully) not instant any longer. You may want to research this. At the minimum it applies to Flying Blue.

    • Hey, thank you for the info. In your experience, how long has Flying Blue taken? More like a couple hours vs instant or?

    • Awesome, thanks so much John. We’ve confirmed this and have adjusted the timeframe. Hopefully FlyingBlue can resolve this issue and get it reverted back to “near instant”.

  5. Hi,
    Thanks for the helpful info! I’m planning a trip to Italy and see a flight that is by KLM, but operated by Delta airlines. In this kind of situation, should I transfer my Chase Ultimate Reward Points to KLM or Delta? Thanks for the insight!

    • Christine Krzyszton · October 2, 2018 · Reply

      Hi Li! That’s awesome that you are going to Italy. You actually have a couple of options for using your points. First, check to see if the flight is available on the Ultimate Rewards Travel Portal and how many points it would cost. If you have a premium Chase credit card you’ll get the most value for your points, otherwise they’ll be worth 1 cent per point towards travel. If you are looking at a business class ticket, the cost may be prohibitive on the travel portal, however economy tickets on the Travel Portal can be excellent value. Since Delta is not an airline transfer partner of Ultimate Rewards, the other option would be to transfer points to KLM. You’ll need to compare the two options to see which is a better value.

  6. Hey guys, fantastic site! I feel like I owe y’all a lot because I have gotten really into the points game over the past year and it’s all thanks to this website, I tell everyone I know about it haha. You all have taught me a lot about how to get points efficiently, and I’ve done it fairly well for the last year or so. Now I’m ready to book and a little confused.

    Do you find it is more efficient when using points for business-class, international flights to book each flight individually and build you itinerary one leg at a time with the same airline? Or to try to book with points in a “round-trip” itinerary on their website? I see you guys talk about having to call the airlines often to actually book business/first class seats so I’m just kind of stuck and trying to figure out how to actually find the best value for my points because the costs I’m finding are pretty dang high! Thanks so much for all the help!

    • Stephen Au · November 20, 2018 · Reply

      Hi Marc,

      Thank you for your kind words! We appreciate all of our readers and viewers, and we hope to continue bringing you great content.

      Typically if you build an itinerary one leg at a time like you’re proposing, you’ll have to pay the miles for each segment, which can cost a ton of points. We generally do not suggest doing this. You generally want to book the complete itinerary in one go. Another thing too is that if you book each flight individually, you’ll have different reservation numbers. Therefore, if you miss one leg of a flight due to a weather or maintenance delay for example, your entire itinerary is jeopardized. Essentially, you don’t have any “insurance”. If it’s all in one itinerary, the airline must rebook you if they miss your connecting flights. Combining reservations is something that must be done over the phone, and even then it’s not guaranteed.

      It is for these reasons we like booking a complete itinerary all at once.

  7. Hello,

    Is there a credit card that has NO annual fee that I can transfer points to United Mileage Rewards? Or a credit card that I can sign up with no annual fee that is affiliated with United Mileage Rewards? I’d rather not pay an annual fee. I’m trying to prevent my wife’s account miles from expiring by spending a few dollars so the mileage doesn’t expire until we book the next flight that can accumulate miles. Thanks, Bruce

    • Christine Krzyszton · February 12, 2019 · Reply

      Hi Bruce! You would need a premium Ultimate Rewards credit card (with an annual fee) to transfer points to United MileagePlus. If you had a no-annual fee Chase credit card that earns Ultimate Rewards, you can transfer those points to a Chase premium card, then transfer the points to United MileagePlus. However, to extend the life of the United miles you have, you can just purchase a small amount of miles from United. You can also purchase an item from United Plus shopping and the earned miles will extend the life of your current miles. I hope this helps.

  8. j mcdonald · April 30, 2019 · Reply

    Every year for 6 years, I have booked cars for a 3-month vacation in FL through the Chase travel portal. I have checked the portal 5 days a week for 2 months and there is never a car available for any day in Jan, Feb or March for PBI or Orlando, even if I change dates. But there are all kinds of cars if I go to the Expedia site. I called the travel number they could not book for me either. I called the reservations number and was told the travel site was separate from the card and could not help. I want to use my rewards, any suggestions?

    • Katie Seemann · May 5, 2019 · Reply

      Hi J,
      That’s really strange. I just did a search for PBI in January and found plenty of options. If you keep having problems, I would suggest calling Chase Travel to see if you can speak with someone else. There are definitely cars available, so I am not sure why they aren’t showing up on your end. Good luck!

  9. I am new to this and am trying to book a vacation to South Africa. It is not a travel zone mention much in your article. I have about 200,000 Chase points and I am wondering how to best uses them to book flights and/or hotels for 2 people. Any suggestions would be much appreciated. Thanks!

    • Hi B.B.

      What U.S. city will you be flying out of? Generally, your best bet with Chase Ultimate Reward points to get to South Africa would be to transfer them to United. For example, you can book round-trip through United from EWR to Johannesburg for 80,000 points.

      Thanks for reading!

  10. Domingo · August 18, 2019 · Reply

    Can I use my accumulated points to fly with a non-partner airline like Cathay Pacific?

    • Hi Domingo,

      Yes, you can use your Chase Ultimate Reward points through their travel portal to book a flight with any airline available in your search. Depending on which Chase card you have, your points can receive a 25%-50% boost in value as well.

      Usually, we recommend using transfer partners as that is often where you can get the best value for your points. But if you’re certain you want to use them for a flight with Cathay Pacific then the Chase travel portal is your best bet!

      Thanks for reading!

Any thoughts or questions? Comment below!

Email needed if you'd like comment updates. It will NOT be published.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. For more information on our advertisers, see here.