Chase Ultimate Rewards Transfer Partners & How To Use Them [2022]

- UPDATED: March 18, 2022 |

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Chase Ultimate Rewards points are perhaps the most valuable points out there. In fact, thanks to their flexibility and transfer options, we regularly give them 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 this you’ll be ready to book an amazing getaway!

Table of contents

Chase Airline Transfer Partners
Chase Hotel Transfer Partners
Earning Ultimate Rewards
How To Transfer Ultimate Rewards
Booking Travel With the Chase Travel Portal
- Should You Transfer to a Partner or Book Through Chase?
Other Ways To Use Your Points
Combining Ultimate Rewards From Different Accounts
Redeeming Ultimate Rewards
Final Thoughts

Table of Contents

Chase Airline Transfer Partners
Chase Hotel Transfer Partners
Earning Ultimate Rewards
How To Transfer Ultimate Rewards
Booking Travel With the Chase Travel Portal
- Should You Transfer to a Partner or Book Through Chase?
Other Ways To Use Your Points
Combining Ultimate Rewards From Different Accounts
Redeeming Ultimate Rewards
Final Thoughts

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.

Chase Airline Transfer Partner	Min Transfer	Transfer Ratio (Chase > Airline)	Transfer Time
Aer Lingus AerClub	1,000	1:1	Almost Instant
Air Canada Aeroplan	1,000	1:1	Almost Instant
Air France-KLM Flying Blue	1,000	1:1	1 hour
British Airways Executive Club	1,000	1:1	Almost Instant
Emirates Skywards	1,000	1:1	Almost instant
Iberia Plus	1,000	1:1	Almost Instant
JetBlue	1,000	1:1	Almost Instant
Singapore Airlines KrisFlyer	1,000	1:1	1-2 days
Southwest Airlines Rapid Rewards	1,000	1:1	Almost Instant
United Airlines MileagePlus	1,000	1:1	Almost Instant
Virgin Atlantic Flying Club	1,000	1:1	Almost 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 Partner	Min Transfer	Transfer Ratio	Transfer Time
IHG One Rewards	1,000	1:1	1 day
Marriott Bonvoy	1,000	1:1	2 days
World of Hyatt	1,000	1:1	Almost Instant

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 to you, there are ample opportunities to earn Ultimate Rewards points that can help you book your next trip.

Recommended Chase Cards (Personal)

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

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.

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 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 card. You can combine Ultimate Rewards points under your chosen card from others that don’t have annual fees.

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 are 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

In some cases, it can make a lot of sense to make your flight or hotel booking through the Chase travel portal. 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 is 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 also 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 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 card, make sure to hold 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

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 Beginner’s Guide to get started on the right track.

Simply put, 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!

Featured Image Credit: Sebra via Shutterstock

Frequently asked questions

What airlines can Chase Ultimate Rewards points be used for?

There are multiple different 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 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).

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34 comments

sean December 27, 2017
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!
Reply
- Alex Miller December 29, 2017
  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!
  Reply
leah klein May 23, 2018
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.
Reply
- Michael McHugh May 24, 2018
  Hi Leah!
  I’d recommend using awardhacker.com 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.
  Reply
Leah klein May 24, 2018
Thanks so much !! So helpful
Reply
John W June 6, 2018
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.
Reply
- Alex Miller June 6, 2018
  Hey, thank you for the info. In your experience, how long has Flying Blue taken? More like a couple hours vs instant or?
  Reply
John W June 7, 2018
Here is the info: http://www.seat31b.com/2018/06/near-disaster-chase-ultimate-rewards-and-flying-blue/
Reply
- Alex Miller June 7, 2018
  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”.
  Reply
Li October 2, 2018
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!
Reply
- Christine Krzyszton October 2, 2018
  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.
  Reply
  - Li October 3, 2018
    Thank you so much Christine, that’s super helpful!
    Reply
Marc F November 18, 2018
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!
Reply
- Stephen Au November 20, 2018
  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.
  Reply
Bruce Nguyen February 11, 2019
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
Reply
- Christine Krzyszton February 12, 2019
  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. https://www.united.com/web/en-US/content/mileageplus/default.aspx
  Reply
j mcdonald April 30, 2019
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?
Reply
- Katie Seemann May 5, 2019
  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!
  Reply
B. B. July 30, 2019
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!
Reply
- Jarrod West July 31, 2019
  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!
  Reply
Domingo August 18, 2019
Can I use my accumulated points to fly with a non-partner airline like Cathay Pacific?
Reply
- Jarrod West August 19, 2019
  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!
  Reply
Ana November 1, 2019
I have a ton of miles on American Airlines, but it seems that every time I try to look for a flight to Europe in business class they only have flights on British Airlines. These awards have a high tax cost — do you have any suggestions on how to otherwise redeem my miles? Thanks!
Reply
- Andrew Kunesh November 1, 2019
  Hey Ana!
  Thanks for reaching out. We recommend searching for alternate dates and destinations to find awards on American Airlines — these will have the lowest tax cost to Europe. You can also search for space on Finnair or Iberia as these carriers also have low tax cost.
  Further, you may find that some routes have a lower tax cost on British Airways. We’ve found that tickets from Europe TO the U.S. generally charge less tax. One good example of this is Prague (PRG) to Chicago (ORD). I found an award ticket on British Airways that charges just $275 in tax one-way. Play around with destinations and you may be able to find something affordable on your return leg.
  Best,
  Andrew
  Reply
Zach November 16, 2019
Great article! Unfortunately, I’m no longer seeing “Transfer to Travel Partners” as an option on the Ultimate Rewards website. It shows all of the other options for using my points, but not that one. Is it still there — maybe hidden somewhere? Thanks!
Reply
- Christine Krzyszton November 16, 2019
  Hi Zach. I just checked my Ultimate Rewards accounts and it is there, between gift cards and travel at the top of the Ultimate Rewards website page. It will not be an option on all Ultimate Rewards earning cards, only premium cards. The Ink Business Cash, Freedom, Ink Business Unlimited, etc. do not have this option.
  Reply
  - Zach November 17, 2019
    Thanks for your reply, Christine!
    Reply
Nicholaus Brenner December 18, 2019
This was super informative. I didnt know that chase offered the occasional transfer bonuses. Where do I find these listed ?
Reply
- Jarrod West December 18, 2019
  Hi Nicholaus,
  You can always check out our transfer calculator tool for the most up to date info on transfer bonuses!
  Reply
PaulH January 9, 2020
My basic Chase Freedom account wouldn’t let me transfer points to airline partners. I just qualified for and opened a Chase Sapphire Reserve Card, moved points from my Freedom account, and then transferred them to my United MileagePlus account, in the space of about 30 minutes. The $95 annual fee and 1:1 transfer rate makes it a no-brainer at this card level.
Reply
- Jarrod West January 9, 2020
  Hi Paul!
  I’m glad you’re able to start making use of the Chase transfer partners now, and thanks for reading!
  Reply
Red October 8, 2021
Hello,
I used to have the Chase Sapphire and the Ink Biz but closed them around a year ago. I just realized that I won’t be able to transfer my points to my United Airlines account. Is there any way to have this transferred without the need to apply for a card just for this?
Thanks,
Reply
- Katie Seemann October 11, 2021
  Hi Red,
  In order to transfer your points to a partner, you need to have a premium Ultimate Rewards card (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred) open. So, if you don’t have one you would need to open one in order to transfer your points.
  Reply
Nick April 15, 2022
Just FYI on transferring points from Chase to Singapore Airlines, per Singapore Airline Rep (called 4/15/2022), when transferring points to Singapore Airlines using Chase Ultimate Rewards takes 15 Business Days, you heard that right, 15 Business Days…I tried to very this with Chase Ultimate Rewards, the rep said 1-2 days…the Singapore Airline Rep also said that when you transfer from AMEX, it is instant.
Reply

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Chase Ultimate Rewards Transfer Partners & How To Use Them [2022]

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