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Chase Ultimate Rewards points are the currency of most Chase-branded credit cards. You can earn Chase Ultimate Rewards points for everyday spending and then redeem them for a wide range of rewards.
Despite increasing competition from American Express Membership Rewards points, Citi ThankYou Rewards points, Bilt Rewards Points, Wells Fargo Rewards points and Capital One miles, Chase points have maintained their place as one of the most valuable and useful rewards currencies — especially with valuable rewards cards like the Chase Sapphire Preferred® Card (see rates and fees) and the Chase Sapphire Reserve® (see rates and fees).
Highest-ever offer: Earn 100,000 bonus points with the Chase Sapphire Preferred after spending $5,000 on purchases within the first three months from account opening.
Transferring Ultimate Rewards points to travel partners is often the most valuable way to redeem your hard-earned rewards. With 14 different transfer partners, you have plenty of options.
Here is everything to know about Chase Ultimate Rewards' transfer partners.
Related: 10 best ways to use 100K Chase points: From first-class flights to all-inclusive getaways
You can transfer Ultimate Rewards points to 11 airline programs:
Chase also partners with three hotel programs:
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All transfer ratios are 1:1 — though there are occasional transfer bonuses — and you must transfer points in 1,000-point increments.
Most transfers from Chase Ultimate Rewards to its partner programs are instantaneous. However, in our most recent testing, transfers to Singapore Airlines KrisFlyer took about 48 hours.
Note that transfer bonuses can also be inconsistent. For example, when TPG's Senior Editorial Director Nick Ewen transferred points to Aeroplan to take advantage of a (at the time) 20% bonus, the base points arrived immediately, but the bonus points took three days to post to his account.
While most transfers through the Chase portal should be instantaneous, delays can happen when transferring your points. To help with the transfer process, we recommend making sure that the name on your Ultimate Rewards account matches that on your loyalty program account. Additionally, make sure you have signed up with a loyalty program in advance, as a new account may also cause a delay in the transfer process.
You can easily transfer Chase points online. First, log in to your Chase account and navigate to the Ultimate Rewards portal. Under the "Travel" drop-down, select "Transfer points to partners" to access the main transfer page.
You will then see the list of transfer partners and any current transfer bonuses. Select your desired transfer partner, link your external account if you have not already done so, select the number of Ultimate Rewards points you wish to transfer and then submit the transfer.
Remember, Ultimate Rewards transfers cannot be reversed, so it's best to wait until you have a specific redemption you want to make before transferring them.
If you prefer to transfer your points to one of the 11 different airline program partners, the best redemption options for you can vary, depending on factors such as which airlines fly to and from the destinations you wish to visit and which airlines you like to travel aboard.
However, there are notable sweet spots with certain airline transfer options, especially those programs that have retained award charts.
Here are some of our favorite flights to book using Chase points.
Flying from the U.S. to Spain doesn't have to set you back thousands of dollars. In fact, a notable redemption option is using Club Iberia Plus to fly round-trip to Madrid for as little as 34,000 points.
Round-trip, off-peak flights from New York's John F. Kennedy International Airport (JFK), Chicago's O'Hare International Airport (ORD) and Boston Logan International Airport (BOS) to Spain's capital will only set you back 34,000 Avios in economy, 51,000 in premium economy or 68,000 in business when you transfer your Chase points to Club Iberia Plus.
Considering that most airlines charge at least 60,000 miles for a one-way business-class award to Europe, you're essentially getting a 50% discount.
Did you know that you can book American Airlines and Alaska Airlines flights with Chase points? Though the carriers are not direct transfer partners of Chase, you can book flights on these carriers by transferring your Ultimate Rewards points to British Airways. You can then book awards with fellow Oneworld partners American Airlines and Alaska Airlines.
As long as your nonstop flight distance is under 3,000 miles each way (and saver-level award space is available), you can leverage British Airways' distance-based award chart to fly from any West Coast gateway to Hawaii for 40,000 Avios round-trip.
Is a trip to Japan on your bucket list? Well, for just 145,000 Virgin Atlantic Flying Club points, you can fly round-trip in first-class on All Nippon Airways between the West Coast and Tokyo. Flights from the East Coast to Tokyo will cost 170,000 points round-trip.
Business-class redemptions are an even better deal, costing just 105,000 to 120,000 points round-trip, depending on your U.S. departure airport. If possible, you'll want to route through JFK and fly ANA's industry-leading "The Room" business class, which is only available on select routes.
However, note that availability can be difficult to come by.
Is London calling? Though Virgin Atlantic Flying Club prices its award seats dynamically, the loyalty program offers Saver fares for low-demand travel dates. Therefore, if you're flexible and come across availability, you could score lie-flat business-class seats from JFK to Heathrow Airport (LHR) for as little as 29,000 points.
If you're looking to be more thrifty with your hard-earned reward points, you can fly the exact same route in economy for as little as 6,000 points. Be sure to use Virgin's reward seat checker to find Saver fares or an award booking platform like Seats.aero to help you search dates and prices.
Aside from transferring your Chase points to airline partners to maximize their value, we also recommend booking stays with World of Hyatt. The hotel loyalty program offers a very attractive award chart, which is broken up into different "categories" and peak, off-peak and standard dates.
By transferring your Chase points to Hyatt, you can book some of the fanciest Park Hyatt properties in the entire portfolio, including the Park Hyatt New York and Park Hyatt Sydney, for just 35,000 points per night during off-peak dates.
TPG values Hyatt points at 1.7 cents each (per our April 2025 valuations), so 35,000 points are worth $595. That's a great deal for hotel rooms that typically sell for close to $1,000 per night, even when demand is low.
There's also great value at the lower end of the Hyatt award chart. Category 1 hotels range from 3,500 to 6,500 points per night.
If looking to maximize your Chase points, we recommend utilizing transfer partners. However, you should always compare the cash price to the amount of points required to book. Additionally, before transferring your points, make sure there is availability — transfers are irreversible.
Related: The best Chase Ultimate Rewards sweet spots
TPG values Ultimate Rewards points at 2.05 cents apiece, per our April 2025 valuations, and we believe you will receive the best value by transferring points to airline and hotel partners.
However, you'll get varying values for Chase points if you pursue other redemption opportunities. For example, Ultimate Rewards points are worth 1.5 cents apiece through the Chase Travel℠ portal for Sapphire Reserve cardholders or 1.25 cents for those with the Sapphire Preferred or Ink Business Preferred® Credit Card (see rates and fees).
You'll also have access to Chase Pay Yourself Back as a cardholder of any of the above cards, and there are occasionally offers to use Chase points for Apple products or gift cards at an enhanced value.
Finally, Chase points are worth 1 cent apiece if used for simple cash back.
There are many ways to earn Chase points at 1-10 points per dollar spent, depending on the specific Chase credit card you carry.
The first three cards below earn fully transferable Ultimate Rewards points by themselves, while the remaining four are technically billed as cash-back credit cards.
However, if you have an Ultimate Rewards points-earning card, you can effectively convert your cash-back rewards into Ultimate Rewards points. For this reason, having more than one Chase card can make sense to maximize your earning and redeeming potential.
Here are the cards that allow you to earn Chase Ultimate Rewards points.
Welcome bonus: Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Why you want it: This is a fantastic all-around travel credit card. It earns points at the following rates:
The Sapphire Preferred has no foreign transaction fees and has many travel perks, including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance.
Annual fee: $95
Application link: Chase Sapphire Preferred Card
Welcome bonus: Earn 60,000 points after you spend $5,000 on purchases in the first three months from account opening.
Why you want it: The Sapphire Reserve offers earning power paired with travel perks that can easily cover the annual fee. It earns points at the following rates:
Other perks include an easy-to-use $300 annual travel credit, a fee credit for Global Entry or TSA PreCheck (up to $120 once every four years), and access to Priority Pass Select lounges as well as the growing list of Sapphire lounges. Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and other protections.
Annual fee: $550
Application link: Chase Sapphire Reserve
Welcome bonus: Earn 90,000 points after spending $8,000 on purchases in the first three months from account opening.
Why you want it: This is one of the best credit cards for small-business owners, earning 3 points per dollar on the first $150,000 spent in combined purchases on travel; shipping purchases; internet, cable and phone services; and advertising made with social media sites and search engines each account anniversary year. You earn 1 point per dollar spent on all other purchases, and points don't expire as long as your account is open.
Annual fee: $95
Application link: Ink Business Preferred Credit Card
Four Chase credit cards are technically billed as cash-back products. However, suppose you have one of the three cards noted above. In that case, you can combine your points in a single account, converting these cash-back rewards into fully transferable Ultimate Rewards points.
Even better? None of these cards charge an annual fee.
Here are the four cards that offer this functionality:
Note that Chase also issues the Ink Business Premier® Credit Card (see rates and fees). However, the earnings on this card can't be combined with others in the Ultimate Rewards ecosystem.
If you value the flexibility of choosing from 11 airline partners and three hotel partners, Chase Ultimate Rewards is one of our favorite credit card programs at TPG.
In the age of no-notice devaluations by some loyalty programs, it is smart to earn Ultimate Rewards points via credit card welcome offers, category bonuses and everyday spending, and then keep your points until you are ready to transfer and book with an airline or hotel partner.
Maximize your travel
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