Get Your Free Guide to Chase Points Transfer Options

Understanding Chase Ultimate Rewards Points and Transfer Partners

Chase Ultimate Rewards is a points program that lets cardholders earn points on purchases and then move those points in different directions. The program works with more than 10 transfer partners, which are airline and hotel companies that accept Chase points. When you transfer points to a partner, those points convert into their loyalty currency at a set ratio—often one Chase point equals one airline mile or hotel point, though some partners offer better rates.

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The transfer partner network includes major airlines like United, Southwest, American, Delta, and JetBlue, as well as hotel chains such as Hyatt, Marriott, and IHG. Each partner has its own point values and redemption rules. For example, a United airline mile might be worth different amounts depending on which flight you book, and the same is true for hotel points. Understanding how these different partners work helps you make decisions about where to send your points.

Chase points can also be used for other purposes besides transfers. You can redeem them for cash back, statement credits, or gift cards. However, transfer partners often provide better value per point when used strategically. A point transferred to an airline might be worth 1.5 cents or more, while a point used for cash back is typically worth 1 cent.

The guide describes how each transfer partner values points differently based on the time of year, destination, and availability. Peak travel seasons (summer and holidays) typically require more points for the same flight compared to off-season travel. Understanding these patterns helps explain why some people choose to transfer points to partners rather than redeeming them directly through Chase.

Practical Takeaway: Learning how Chase points can move to different partners is the first step in understanding your options. Each airline and hotel has different rules for point values, so reading about how each partner works will help you decide which partners match your travel plans.

How Point Transfer Ratios and Valuations Work

When you transfer Chase points to a partner, the conversion rate matters greatly. Most partners accept points at a 1:1 ratio, meaning 10,000 Chase points becomes 10,000 airline miles or hotel points. However, some transfer partners offer bonus conversion rates. For instance, certain promotions might give you a 1.25:1 ratio, meaning your 10,000 Chase points become 12,500 partner points. These bonuses are temporary and change throughout the year.

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The value you get from transferred points depends on how you use the partner's points. An airline mile might be worth anywhere from 0.5 cents to 2 cents or more, depending on the flight booked. Business class flights typically offer better value per point than economy flights. A $600 business class ticket booked with 30,000 miles means each mile is worth about 2 cents. The same 30,000 miles used for a $300 economy flight means each mile is worth only 1 cent.

Hotel point valuations work similarly. A luxury hotel night that costs $200 might be redeemable with 20,000 points, making each point worth 1 cent. The same hotel at off-peak rates might cost 10,000 points, making each point worth 2 cents. Frequent travelers can learn to spot these value opportunities by checking partner websites and reading their point charts.

The guide explains how to think about point values before transferring. It includes examples of how to calculate whether a transfer makes sense. If you know you want to fly from New York to London in business class, and you've seen that flight costs both $5,000 cash and 150,000 United miles, you can calculate that those miles are worth about 3.3 cents each. If your Chase points are worth only 1 cent each as cash back, the transfer might make sense if you need fewer than 150,000 Chase points to reach your goal.

Practical Takeaway: Conversion ratios and point values vary widely. Before transferring, compare what you'd pay in points versus what the equivalent cash price would be. The guide walks through real examples so you can see how to do this math for your own travel plans.

Exploring Airline Transfer Partners and Their Programs

Chase partners with major U.S. airlines: United Airlines, Southwest Airlines, American Airlines, Delta Air Lines, and JetBlue Airways. Each airline has distinct rules about how points work, what flights are available, and when you can book awards. Understanding these differences helps you choose the right partner for your needs.

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United Airlines uses a distance-based award chart, meaning flights cost more points the farther they go. A domestic flight under 500 miles might cost 12,500 miles, while a cross-country flight costs 35,000 miles. Business class to Europe on United typically starts around 120,000 miles. United also offers frequent sales and promotions that reduce point costs for specific routes. The guide describes how to monitor these opportunities and understand United's booking calendar.

Southwest Airlines operates differently—they have no blackout dates and allow transfers from Chase to their Rapid Rewards program. Southwest uses a dynamic pricing model where award availability depends on seat availability on each flight. Some flights might cost 6,000 points while others cost 15,000, even for the same route. Southwest also offers a unique feature: transferring Chase points to Southwest earns you a 10% bonus on the transferred amount, so 10,000 Chase points becomes 11,000 Southwest points.

American Airlines, Delta, and JetB use hub-based award pricing that varies by destination and demand. These airlines have more blackout dates and limited award seats on popular flights. JetBlue offers competitive redemption rates for Caribbean travel, while Delta frequently runs transfer bonus promotions. The guide provides detail on each airline's award charts, including information about premium cabin availability and how to find the best value flights.

The guide also explains airline status programs and how they interact with point transfers. Status benefits like priority boarding and upgraded seating sometimes provide more value than the points themselves, especially for frequent travelers on one airline.

Practical Takeaway: Each airline values points differently and has different rules about booking. Reading about how each airline works helps you understand which partner matches your travel style, whether you prioritize flexibility, destination, or premium cabin access.

Learning About Hotel Transfer Partners and Redemption Options

Chase partners with four major hotel chains: Hyatt Hotels, Marriott Bonvoy, IHG One Rewards, and The World of Hyatt. Hotel transfers work differently from airline transfers because hotel point values are more predictable—a hotel typically costs between 5,000 and 50,000 points per night depending on the property and date.

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Hyatt is considered by many travelers to offer excellent point value. Hyatt properties are split into categories, with category 1 hotels costing 5,000 points per night and category 8 properties costing 50,000 points. Many premium properties fall into mid-range categories (4-6), giving travelers reasonable redemption rates. Hyatt also allows you to transfer points into your account and book immediately without waiting periods. The guide includes a chart of major Hyatt properties and their point costs so you can evaluate whether transferring makes sense for your planned hotels.

Marriott Bonvoy operates the largest hotel network with over 7,000 properties worldwide. Marriott uses a more complex system with flexible redemption rates that change based on demand. Most nights cost between 10,000 and 60,000 points, but premium properties during peak season can cost much more. Marriott also offers the ability to use points plus cash for discounted stays, which sometimes provides better value than points alone.

IHG One Rewards allows redemptions starting at just 5,000 points per night for some properties, often offering the lowest point requirements of any partner. This makes IHG valuable for budget-conscious travelers or those who want to stretch their points further. IHG properties include brands like Holiday Inn, Intercontinental, and Crowne Plaza across the globe.

The guide explains how to research hotel partners before transferring. It shows how to search each hotel chain's website to see what properties are available, what categories they fall into, and what point costs would apply to your travel dates. This research helps you decide whether a transfer makes financial sense.

Practical Takeaway: Hotel transfers offer predictable value, especially with Hyatt and IHG. Before transferring points, check what hotels you'd actually want to