Chase Ultimate Rewards Transfer Partners and How To Use Them [2025]

Key Takeaways

• Chase Ultimate Rewards points transfer to 11 airline and 3 hotel partners, offering a 1:1 transfer ratio for maximum value.
• Popular airline partners include United MileagePlus, Southwest Rapid Rewards, and The British Airways Club, each offering unique redemption opportunities.
• Transferring points to partners is generally quick, with most partners processing transfers instantly or within a day or 2.

Chase Ultimate Rewards points are perhaps the most valuable points out there. Thanks to their flexibility and transfer options, we regularly give Chase Ultimate Rewards one of the best valuations in our monthly valuations. 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 our guide, you’ll be ready to book an amazing getaway!

Chase Airline Transfer Partners

The Chase Ultimate Rewards program currently has 11 airline transfer partners — the latest program, Air Canada Aeroplan, was added in August 2021.

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

Aer Lingus AerClub

Major Hub: Dublin (DUB)

Airline Alliance: None, but has airline partners

Aer Lingus is a part of the International Airlines Group (IAG), which also includes British Airways, Iberia, and Qatar Airlines, so you’ve got some flexibility when it comes to how you redeem your Aer Lingus AerClub Avios. That said, its award chart isn’t quite as valuable as many of the other Chase Ultimate Rewards transfer partners.

However, it does offer a couple of solid sweet spots for those looking to travel to The Emerald Isle. On off-peak dates, you can book a one-way ticket from the U.S. East Coast to Dublin for 13,000 Avios in economy or 50,000 Avios in business class.

Air Canada Aeroplan

Major Hubs: Calgary (YYC), Montréal (YUL), Toronto (YYZ), and Vancouver (YVR)

Airline Alliance: Star Alliance

Air Canada Aeroplan is easily one of the best Chase transfer partners for premium cabin award tickets thanks to its lucrative partner award chart.

For instance, you could fly one-way in business class to South America or most European destinations for 60,000 points. If you prefer to fly to Asia in business class, that would be 85,500 points so long as the distance covered is less than 11,000 miles.

Further, Aeroplan can be exceptional for award bookings because of its low taxes and fees on many partner tickets, and you can add a stopover on any itinerary for just 5,000 more points.

Air France-KLM Flying Blue

Major Hubs: Paris (CDG), Amsterdam (AMS)

Airline Alliance: SkyTeam

Another excellent option for economy and business class tickets between the U.S. and Europe is the Flying Blue program. Redemption rates are already quite reasonable, with solid award availability as well. You can find one-way economy tickets to Europe for as low as 25,000 miles and one-way business class tickets for 60,000 miles.

While those rates are decent on their own, the Flying Blue program offers Promo Rewards each month that can drop the award ticket price for select routes by 25% to 50%, allowing you to get stellar value out of Flying Blue miles.

The British Airways Club

Major Hubs: London Heathrow (LHR), London Gatwick (LGW)

Airline Alliance: Oneworld

The British Airways Club gets a lot of flack in the points in miles community due to the large fuel surcharges for both economy and business class tickets between the U.S. and Europe. However, British Airways Avios can be incredibly useful for short-haul tickets that can often be relatively expensive.

For instance, U.S. domestic nonstop flights under 1,150 miles on American Airlines and Alaska Airlines cost just 9,000 Avios in each direction, along with low taxes of just $5.60. This can take you between destinations like New York and Miami, Chicago and Houston, or Seattle and Los Angeles.

Emirates Skywards

Major Hub: Dubai (DXB)

Airline Alliance: None, but has airline partners

While Emirates Skywards offers some of the most sought-after award redemptions for business and first class on its signature A380, and more recently its game-changer first class on the 777, the airline has also gone through a recent string of devaluations that have made this award more expensive through higher fuel surcharges.

Fortunately, one great sweet spot remains that allows you to fly Emirates’ fifth freedom routes between the U.S. and Athens or Milan, for 85,000 miles in first class one-way, or an incredible 90,000 miles round-trip in business class, with significantly lower taxes and fees.

Club Iberia Plus

Major Hub: Madrid (MAD)

Airline Alliance: Oneworld

Another entry into the Avios family is Club Iberia Plus. Unsurprisingly, its award program has a decent amount of overlap with the others, but its award pricing between the U.S. and Spain presents an incredibly sweet spot for award travelers.

It’s common to see many U.S. carriers charge 30,000 points to fly between the U.S. and Europe in economy class, but Iberia charges as few as 32,000 Avios to fly between the U.S. and Madrid in business class on off-peak dates — one of the cheapest ways to get across the pond in business class.

JetBlue TrueBlue

Major Hubs: New York (JFK), Boston (BOS)

Airline Alliance: None, but has airline partners

JetBlue is a low-cost U.S. carrier that is known for its great inflight product both in economy and its Mint business class seats.

However, since its TrueBlue loyalty program ties award redemptions to the cash cost of the ticket, you’ll usually receive just 1.1 cents per point towards Mint redemptions, and 1.3 to 1.4 cents per point on economy tickets.

This can be a better deal than booking through the Chase Travel portal where redemption values with vary based on Points Boost. That said, you can often get much more value out of your Chase Ultimate Rewards points using other transfer partners.

Singapore Airlines KrisFlyer

Major Hub: Singapore (SIN)

Airline Alliance: Star Alliance

While you might overlook Singapore Airlines KrisFlyer as an option for domestic travel, as a Star Alliance partner it offers great award pricing on domestic United flights, including 17,500 miles for flights between the U.S. mainland and Hawaii, and 27,500 miles for flights between the U.S. and Europe.

Singapore miles are also your only option if you want to book a highly sought-after ticket in Singapore Suites class between the U.S. and Singapore or its fifth freedom route between the U.S. and Frankfurt.

Southwest Rapid Rewards

Major Hubs: Atlanta (ATL), Baltimore (BWI), Chicago (MDW), Dallas (DAL), Denver (DEN), Houston (HOU), Las Vegas (LAS), Los Angeles (LAX), Oakland (OAK), Orlando (MCO), Phoenix (PHX)

Airline Alliance: None

Southwest is the world’s largest low-cost carrier with an award program in Rapid Rewards that’s similar to JetBlue in that it operates on fixed value redemptions, allowing you to usually get between 1.3 to 1.4 cents per point on your redemption that is tied to the cash cost of the ticket.

Since you can often get much more value out of your Chase Ultimate Rewards points than this, we generally advise against transferring to Southwest. However, one sweet spot is for those who have the Southwest Companion Pass, as your redemption value doubles on tickets where your companion flies with you for free.

United MileagePlus

Major Hubs: Chicago (ORD), Denver (DEN), Houston (IAH), Los Angeles (LAX), Newark (EWR), San Francisco (SFO), Washington DC (IAD)

Airline Alliance: Star Alliance

In addition to being one of the most well-known Chase transfer partners for U.S. flyers, United MileagePlus also benefits from being able to book award travel on fellow Star Alliance airlines with low taxes and fees. In terms of booking tickets on its own metal, now that United has moved to dynamic pricing, getting outsized value using its currency isn’t quite as easy as it once was.

However, it does offer the incredibly valuable United Excursionist Perk, which allows you to tack on a free one-way flight on round-trip bookings for no added miles, so long as the flight is within the same region. For example, you could fly from the U.S. to Istanbul, Istanbul to London, and London back to the U.S., and your Istanbul to London leg (a 4-hour flight covering 1,500 miles) costs no added miles.

Virgin Atlantic Flying Club

Major Hub: London Heathrow (LHR), Manchester (MAN)

Airline Alliance: None, but has airline partners

The second largest carrier based out of the U.K., Virgin Atlantic doesn’t participate in an airline alliance but offers several great partnerships that award travelers can take advantage of.

One of which is booking Delta One business class awards between the U.S. and Europe for as few as 47,500 miles one-way, which is far less than what Delta would charge using its own miles to book these awards. You can also book ANA first class awards between the U.S. and Japan for as low as 72,500 miles one-way.

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.

IHG One Rewards

Headquarters: Denham, England

Number of Properties: ~6,000

The IHG One Rewards program recently went through a revamp, but as a dynamically-priced program, it seldom makes sense to transfer your Chase Ultimate Rewards points.

For instance, we value IHG One Rewards points at 0.5 cents per point, so any redemptions above that level are generally considered to be a good value. Given that, it wouldn’t make sense to transfer Chase Ultimate Rewards points worth a minimum of 1 cent per point through the Chase Travel portal to a program where getting half of that value would be considered a good deal.

Marriott Bonvoy

Headquarters: Bethesda, Maryland

Number of Properties: ~8,500

As with IHG, we seldom advise against transferring your hard-earned Chase Ultimate Rewards points to Marriott Bonvoy where nights at top-tier hotels can cost upwards of 85,000 to 100,000 points per night. Not only is it fairly easy to get more value out of other Chase partners, but you’ll also find that you’d likely be better off booking a Marriott hotel through the Chase Travel portal than transferring to Marriott directly.

World of Hyatt

Headquarters: Chicago, Illinois

Number of Properties: ~1,200

If you thought Hyatt would be similar to the other 2 hotel programs, think again. The World of Hyatt program is one of the best Chase Ultimate Rewards transfer partners and a darling in the points of miles community thanks to the value its award chart offers.

While the program recently went through a devaluation with the addition of peak pricing, even the most expensive award nights in the portfolio don’t exceed 45,000 points per night. This means you can book free nights at top-tier Hyatt hotels for roughly half of what programs like Marriott and Hilton often charge for similar hotels.

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!

Earning Ultimate Rewards

With several Chase card options available, 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

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.99% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 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^SM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel^SM
• 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

Financial Snapshot

• APR: 19.99% - 28.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 100,000 bonus points + $500 Chase Travel promo credit after you spend $5,000 on purchases in the first 3 months from account opening. Get more than $2,700 in annual value with Sapphire Reserve.

100,000 points + $500 Chase Travel credit

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

20.24% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 20.24% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• 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

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Chase Freedom Flex℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%
• Foreign Transaction Fees: 

Rewards Center

Chase Ultimate Rewards

Business owner? See our list of the best Chase business credit cards.

Chase Shopping Portal

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

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.

Step 1: After logging into the Ultimate Rewards site, select the appropriate card. If you want to transfer points, you will need to select a premium Ultimate Rewards card with an annual fee — these include the Chase Sapphire Reserve card, Chase Sapphire Preferred card, and the Ink Business Preferred^® Credit Card. You can combine Ultimate Rewards points under your chosen card from others that don’t have annual fees.

Step 2: Select Transfer to Travel Partners under the Earn / Use drop-down menu.

Step 3: Choose your desired airline and select Transfer Points.

You can also select from Chase’s hotel partners using the same steps.

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

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.

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

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

Booking Travel With the Chase Travel Portal

Sometimes, making your flight or hotel booking through the Chase travel portal can make a lot of sense. With the Chase travel portal, the points needed for specific redemption are tied to the cash cost. So, if a flight or hotel stay is relatively inexpensive, to the point where the point cost ends up being less than going through a transfer partner, then the Chase travel portal is a perfect option.

Similar to the transfer process, you simply select Travel under the Earn / Use Points drop-down menu.

Check out an example of a travel portal booking below:

This round-trip economy class booking with Star Alliance airline United from San Francisco (SFO) to Honolulu (HNL) costs as few as 7,900 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 12,500 miles. In this case, booking through the portal would be a much better deal.

Bottom Line: To ensure you get the most out of your points, it’s important to check both the portal and transfer options when searching for flights.

Other Ways To Use Your Points

You can also redeem your points for gift cards to merchants, including Airbnb, Lowe’s, Home Depot, and 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 card, keep your Ultimate Rewards points there since these should hold the most value with Points Boost.

Hot Tip: You can also combine points with 1 other household member. This is a great way to pool points with your significant other for a great redemption. 

Redeeming Ultimate Rewards

Using your Ultimate Rewards points for travel is the best way to get the most value out of them. With multiple transfer partners and countless ways to redeem points for travel, it can be overwhelming!

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

• The Best Ways To Use Ultimate Rewards Points
• The Best Ways To Use 10,000 (Or Fewer) Chase Ultimate Rewards Points
• The Best Ways To Use 100,000 Ultimate Rewards Points

Final Thoughts

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

Chase Ultimate Rewards points are easy to earn, easy to redeem, and can get you excellent value when you use them properly. Before you know it, you’ll be taking a trip of a lifetime … and then doing it again!