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My 3 Favorite Chase Transfer Partners To Get 2+ Cents per Point Value

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Ehsan Haque
Edited by: Stella Shon
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Over the last decade, I have redeemed over 3 million points and miles for leisure travel across numerous airline and hotel loyalty programs. These points and miles have afforded me the opportunity to travel the world for less than I could have ever imagined.

Fortunately, hundreds of loyalty programs are available across nearly every major banking platform, airline, and hotel chain. However, one transferrable rewards currency stands above the rest for me: Chase Ultimate Rewards.

In my opinion, here are the 3 best Chase transfer partners to get maximum value from your rewards.

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Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards are a favorite here at Upgraded Points. The program offers numerous rewards credit cards, allowing you to earn points easy, transfer to various partner loyalty programs, and provides several different ways to redeem the points you earn.

Chase Sapphire Reserve Upgraded Points LLC Large 8
Chase has several fantastic travel rewards cards. Image Credit: Upgraded Points

Generally speaking, the best way to earn a large number of points at once is by applying for a new credit card and meeting its spending requirements to earn a massive welcome bonus offer. Of course, many other ways exist, including maximizing your rewards-earning potential by using the right cards and leveraging card referrals.

This year alone, I earned over 500,000 Chase Ultimate Rewards points, primarily through strategically applying for new cards and meeting the spending requirements.

NEW OFFER
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
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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.

Apply Now(at Chase's secure site)
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 75,000 points
$1,500
$95
19.74% - 27.99% 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 card application.
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
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℠, 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℠
  • 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: 19.74% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

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Chase Sapphire Reserve®Terms Apply / Rates & Fees
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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.

Apply Now(at Chase's secure site)
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
125,000 points
$2,500
$795
19.99% - 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 card application.
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
Card Highlights
  • Earn 125,000 bonus points after you spend $6,000 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: 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Ink Business Preferred® Credit Card
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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 Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
90,000 points
$1,800
$95
19.99% - 25.99% 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 card application.
Good to Excellent
Why We Like This Card

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons
Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
Card Highlights
  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 25.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

What Are Chase Ultimate Rewards Worth?

We value Chase Ultimate Rewards points at 2 cents apiece. They are among the most valuable transferable rewards programs, only behind American Express Membership Rewards.

However, the points can be worth much more (or less) depending on how you redeem them. Fortunately, there are numerous ways to redeem Chase Ultimate Rewards points, including using them for gift cards or statement credits, shopping with points, and booking travel through Chase Travel.

Although there are numerous ways to redeem Chase Ultimate Rewards points, the most effective way to use them is by transferring them to Chase’s extensive list of transfer partners.

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1. Air Canada Aeroplan

Air Canada Aeroplan is my favorite airline loyalty program, thanks to how much value it offers.

The airline is a member of Star Alliance, the largest airline alliance in the world. However, it also boasts a long list of nonalliance partners, including some of the best airlines like Emirates and Etihad Airways

Thai Airways Royal Silk a350
Air Canada Aeroplan has many airline partners, including Thai Airways.

Unlike many airline programs that have switched completely to dynamic pricing, Air Canada still has a zone-based award chart, though only for certain partner airline redemptions. However, this is where the true value of the program lies.

The program also offers a generous stopover policy, allowing you to add another destination starting at jut 5,000 points, including on one-way award redemptions. It also does not pass on fuel surcharges for partner redemptions, which can significantly reduce out-of-pocket costs.

2. World of Hyatt

World of Hyatt is my favorite hotel chain and loyalty program, and it’s not even close. Although the program has undergone several devaluations over the years, it still provides more value than any other hotel chain and consistently ranks as the top choice for those in the points and miles world.

Park Hyatt Johannesburg room
The Park Hyatt Johannesburg was one of my favorite hotels worldwide.

Unlike nearly every other hotel chain that has adopted dynamic pricing, World of Hyatt maintains a published award chart for award redemptions, with pricing determined by whether your stay falls during peak, standard, or off-peak dates.

Of course, World of Hyatt points are among the most valuable available. We value World of Hyatt points at 1.5 cents a piece, more than double other popular hotel loyalty programs, including Marriott Bonvoy, IHG One Rewards, and Hilton Honors.

Chase also offers The World of Hyatt Credit Card and the World of Hyatt Business Credit Card, which makes an excellent pairing with many Chase Ultimate Rewards-earning cards to earn more Hyatt points.

The World of Hyatt Credit Card
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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 World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 Points
$900
$95
19.74% - 28.24% 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 card application.
Good to Excellent (670-850)
Why We Like This Card

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros & Cons
Pros
  • Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
Cons
    • $95 annual fee
Card Highlights
Financial Snapshot
  • APR: 19.74% - 28.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

World of Hyatt Business Credit Card
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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 World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points
Up to $900
$199
19.74% - 28.24% 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 card application.
Good to Excellent
Why We Like This Card

Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

Pros & Cons
Pros
  • Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
  • 2x points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
  • 2x points per $1 spent on fitness club and gym memberships.
Cons
  • $199 annual fee
  • Bonus categories and benefits are very similar to the personal card
Card Highlights
  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases.
  • Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
  • Member FDIC
Financial Snapshot
  • APR: 19.74% - 28.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

3. Virgin Atlantic Flying Club

Another one of my favorite Chase Ultimate Rewards transfer partners is Virgin Atlantic Flying Club. Virgin Atlantic, a member of the SkyTeam alliance, has a special partnership with All Nippon Airways (ANA) that allows you to redeem Virgin Atlantic Flying Club points for ANA flights. 

Using Virgin Points for premium cabin travel on ANA is a sweet spot in award travel and consistently ranks among the best ways to redeem Virgin Points. Virgin Atlantic Flying Club has a zone-based award chart for ANA award redemptions, with some tremendous rates.

Best of all, you get to fly on one of the best airlines in the world. Over the years, I have redeemed Virgin Atlantic Flying Club points numerous times, specifically to fly ANA first class between the U.S. and Japan.

ANA First class the suite
You can redeem Virgin Atlantic Flying Club to fly ANA first class.

From my home airport, Chicago O’Hare (ORD), it costs just 85,000 Virgin Points plus taxes and fees to fly nonstop to Japan. This is a steal considering that ANA first class typically costs over $10,000!

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Of course, it can get even better. Chase regularly offers transfer bonuses to Flying Club, which can significantly reduce the number of points you need to transfer. These transfer bonuses can be as high as 40%.

Final Thoughts

Chase Ultimate Rewards points are incredibly valuable, as there are numerous ways to redeem them. However, transferring these points to Chase’s airline and hotel transfer partners is the best way to get maximum value.

By leveraging these transfer partners, you can stay at many of the world’s most luxurious hotels and fly many of the best airlines in the world.

Ehsan Haque's image

About Ehsan Haque

Ehsan is an avid traveler who has traveled to 100 countries, diligently using points and miles to fund his journeys. Currently, he holds 32 active credit cards and earns over a million points and miles annually, primarily using them for luxury hotels and long-haul premium cabins.

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