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Chase Ultimate Rewards Transfer Partners and How To Use Them [2024]

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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.

SCROLL FOR MORE
Chase Airline PartnerMin TransferTransfer Ratio (Chase > Airline)Transfer Time
Aer Lingus AerClub1,0001:1Almost Instant
Air Canada Aeroplan1,0001:1Almost Instant
Air France-KLM Flying Blue1,0001:11 hour
British Airways Executive Club1,0001:1Almost Instant
Emirates Skywards1,0001:1Almost Instant
Iberia Plus1,0001:1Almost Instant
JetBlue1,0001:1Almost Instant
Singapore Airlines KrisFlyer1,0001:11-2 days
Southwest Airlines Rapid Rewards1,0001:1Almost Instant
United Airlines MileagePlus1,0001:1Almost Instant
Virgin Atlantic Flying Club1,0001:1Almost Instant

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

Air Canada 787 Signature Class dining
Image Credit: Air Canada

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 85,000 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 often find one-way economy tickets to Europe for as low as 22,500 miles and one-way business class tickets for 56,500 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.

British Airways Executive Club

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

Airline Alliance: Oneworld

British Airways Executive 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

Emirates Inaugural World's Shortest A380 First Class Window Suite Cherag Dubash
Usually, the cheapest way to fly Emirates first class is to use Japan Airlines miles. Image Credit: Cherag Dubash

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.

Iberia Plus

Major Hub: Madrid (MAD)

Airline Alliance: Oneworld

Another entry into the Avios family is 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 just 34,000 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 for Chase Sapphire Preferred cardholders with a 1.25 cent per point redemption rate, but a poor choice for Chase Sapphire Reserve cardholders with a 1.5 cent per point redemption rate. That said, you can often get much more value out of your Chase Ultimate Rewards points using other transfer partners.

Singapore Airlines KrisFlyer

Singapore Suites First Class Morning Coffee and Champagne
Sip on your morning coffee while your partner enjoys champagne in the Suite! Image Credit: Upgraded Points

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 just 50,000 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 55,000 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.

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Chase Hotel PartnerMin TransferTransfer Ratio (Chase > Hotel)Transfer Time
IHG One Rewards1,0001:11 day
Marriott Bonvoy1,0001:12 days
World of Hyatt1,0001:1Almost Instant

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, which are worth a minimum of 1.25 cents 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

Park Hyatt Melbourne
Image Credit: 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.

Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 huge welcome offer, good benefits, and perks for a moderate annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth over $900 when redeemed through Chase Travel℠.
75,000 points
$1,500
$95
21.49%-28.49% Variable
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)

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
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase TravelSM.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% 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 in's and out's 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 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
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 (740-850)

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

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

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
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 in's and out's 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!

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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)

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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 20.49% - 29.24%.
  • 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 on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 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 in's and out's 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.

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.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
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)

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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • 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
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back 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!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time 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 20.49%-29.24%.
  • Foreign Transaction Fees: None
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.

Chase cards
Combine the points earned from your Chase cards together. Image Credit: Chase

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

Chase Ultimate Rewards redemption
Click Transfer to Travel Partners to begin a transfer. Image Credit: Chase

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

Chase Ultimate Rewards airline transfer partners
Chase’s airline transfer partners. Image Credit: Chase

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

Chase Ultimate Rewards hotel transfer partners
Chase’s hotel transfer partners. Image Credit: Chase

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

United MileagePlus Chase Ultimate Rewards transfer partner
Save your frequent flyer number for a quicker transfer experience next time. Image Credit: Chase

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 to United MileagePlus
Select how many points you’d like to transfer. Image Credit: Chase

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

Chase transfer
Review your details and confirm. Image Credit: Chase

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.

If you have the Chase Sapphire Reserve card, 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 card, each point is worth 1.25 cents when booking with the Chase travel portal.

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:

Chase Travel Portal flight
Image Credit: Chase

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

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

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 they’ll be worth a minimum of 1.5 cents each.

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:

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!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What airlines can Chase Ultimate Rewards points be used for?

There are multiple airline and hotel partners that you’re able to transfer your Ultimate Rewards points to. Refer to our table in this post for the most up-to-date transfer partners!

Can you transfer Chase Ultimate Rewards to another person?

You can transfer your Chase Ultimate Rewards to another person as long as they are a member of your household.

Can you transfer points between Chase credit cards?

Yes, but only to another Chase card that earns Ultimate Rewards points belonging to you or 1 member of your household.

Can you transfer points from an airline to Chase Ultimate Rewards points?

You cannot transfer miles or points from an airline to Chase Ultimate Rewards points. You also cannot get back any Ultimate Rewards points that you have already transferred to an airline partner — all transfers are final.

Do Ultimate Rewards points expire?

Your Ultimate Rewards points will not expire as long as your account remains open and in good standing.

How much are Ultimate Rewards points worth?

Generally, your Ultimate Rewards points will be worth 1 cent toward cash-back, 1.25 to 1.5 cents through the Ultimate Rewards travel portal (depending on which card you hold), or 2+ cents for redemptions made through transfer partners.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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