Chase Transfer Partners

Chase Ultimate Rewards points are transferable to many airline and hotel partners. Below you’ll find a complete list of Chase transfer partners as well as suggestions for best uses.

Tips

Don’t transfer yet: Don’t transfer points until high value awards are available and you are ready to book them. Transfers are one-way only. Chase Ultimate Rewards points are valuable for their flexibility. Once you transfer, you are locked into a single program that may or may not have awards available.

Move points to a household member or business partner: You can freely move your points from one Chase account to another as long as the other account is owned by a household member or a business co-owner.

Always have at least 1 transferable account: Chase Ultimate Rewards cards with no annual fee (such as Freedom, Freedom Unlimited, and Ink Cash) do not directly allow point transfers to partners.  However, if you or a household member or business co-owner have at least one card that permits transfers, then you’re good to go.  For example, points acquired through the Chase Freedom card can be moved to a Chase Sapphire Preferred account and then transferred to airline or hotel partners.

Cards that allow point transfers include: Chase Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred.

Don’t forget about the pay with points option: The Chase Sapphire Reserve card lets you pay with points for many types of travel.  When you do so, you’ll get 1.5 cents per point value from your points.  With other premium Chase cards (Sapphire Preferred, Ink Business Preferred), you’ll get 1.25 cents per point value.  If you or a household member has the Sapphire Reserve card, then it makes sense to move points to that card first before paying with points for travel.

Best Chase Transfer Partners

The following transfer partners represent the best potential value in my opinion:

Hotel Programs
Best Uses
Hyatt Use for Hyatt free nights or points + cash nights.  Hyatt points are often worth at least 1.7 cents each towards free nights, but they’re sometimes worth far more.  One hidden bonus: award nights are not subject to resort fees.

Airline
Best Uses
Air France KLM Flying Blue Monthly Air France Promo Awards often represent very good value. Air France also has a very generous definition of “Europe” (includes Israel for example)
British Airways Executive Club While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges.  Great value can be had in redeeming BA points for short distance flights.  You can also transfer BA points to other Avios programs: Avios.com, Iberia, and Aer Lingus.
Iberia Plus Even though Iberia Plus Avios are the same currency as British Airways and Aer Lingus Avios, Iberia calculates partner award prices and fuel surcharges differently.  At times, it is possible to save a lot of points and/or cash by booking awards through Iberia rather than British Airways.
Korean Air Skypass Korean Air is known for having top notch business and first class on their international flights.  Plus, first class tends to be wide open for awards.  Korean is also a fantastic program for booking certain partner awards.  For example, it is possible to book Delta flights from the US mainland to Hawaii for only 25,000 points round trip in coach or 45,000 points in first class.
Singapore Airlines KrisFlyer Use to book Singapore Airlines First Class awards (generally reserved for their own members) or for Star Alliance awards. Very low change fees and no close-in booking fees make this a very good program for booking United Airlines flights.
Southwest Rapid Rewards Southwest points offer approximately 1.5 cents per point value when used to book “Wanna Getaway” fares.  On the surface it seems that paying with points with the Reserve card is a better deal (since you’ll still get 1.5 cents per point value and flights booked through Ultimate Rewards Travel will earn Southwest points).  However, there is a big advantage to transferring points to Southwest and then booking flights with miles.  Flights booked with miles are 100% refundable.  On the other hand, paid flights, including those paid with points through Chase, are refundable only as a travel credit that will expire in a year.
United MileagePlus Even though Singapore Airlines miles have a number of advantages over United miles for booking Star Alliance flights, United has advantages too.  For one, it is possible to book most Star Alliance awards online at United.com.  Additionally, United awards sometimes cost fewer miles with United than with Singapore (especially premium awards on United’s own flights).  And, most importantly, United never charges fuel surcharges for awards.  In some cases, United is far cheaper than Singapore Airlines for this reason alone.
Virgin Atlantic Flying Club Virgin Atlantic miles can be usefully thought of as a way to get a discount off Virgin Atlantic flights (high fuel surcharges make the flights far from free), but there are some better uses. Use miles to upgrade paid flights or to fly partner airlines. A fantastic use is to fly ANA in business or first class thanks to Virgin’s generous ANA partner award chart. Or, if you can find saver level Delta awards for nonstop international travel, you can often book through Virgin Atlantic far cheaper than with Delta directly.

The Other Transfer Partners

Here are the transfer partners that didn’t make my “best of” list, above.

Program
Why I don’t recommend this transfer
Aer Lingus AerClub Aer Lingus Avios can only be directly used to book flights on Aer Lingus, British Airways, or Iberia.  That said, points can be freely moved from Aer Lingus to British Airways and Iberia to make them more useful.  Or, use them to book Aer Lingus awards online (with BA, you have to call to book Aer Lingus flights).
IHG

Through the “points + cash trick” it is always possible to buy IHG points for .7 cents each, or less as long as you have at least 5,000 points to start with.  In some cases, it may make sense to transfer the first 5,000 points, but if you really need additional points you’re better off cashing out Ultimate Rewards at a penny each and using the cash to buy IHG points by booking and cancelling points + cash stays.

Also, if you really want IHG points, you may be better off transferring to Virgin Atlantic first.  See “Indirect Transfer Partners”, below.

Marriott
The current Reasonable Redemption Value for Marriott is only .68 cents per point.  Since Ultimate Rewards points can be cashed out for 1 cent each, transfers to Marriott are generally a bad deal.  Also consider that SPG frequently offers a 30% discount off of purchased points.  In that case, it’s possible to buy SPG points for 2.45 cents each and then convert each point to 3 Marriott points.  Effectively you can then buy Marriott points for 0.82 cents each.
Ritz Carlton Ritz Carlton points are indistinguishable from Marriott points.  Ritz Carlton Rewards is really the same program as Marriott Rewards, but with a different name.  So, see above.

Indirect Transfer Partners

In some cases it is possible to transfer to an airline or hotel program in order to then transfer from that program to another program. I’ll leave it to the reader to decide whether or not it is a good idea to transfer in these ways (hint: these transfers usually represent poor value, but there are exceptions).

Transfer First To
Then To
Transfer Ratio Details
Marriott SPG 3 to 1 Example: Transfer 3000 Ultimate Rewards to 3000 Marriott points to 1000 SPG.
Marriott SPG, then to many different airlines 60,000 to 25,000
(2.4 to 1)
Transfer 60,000 Chase points to 20,000 SPG points (via Marriott, as described above). Then transfer 20,000 SPG points to any of a long list of airlines in order to end up with 25,000 points.
Marriott Alaska (or other Marriott/SPG airline partners) 285,000 to 145,000
(1.97 to 1)
Transfer 285,000 points to Marriott. Use 270K points to purchase Category 1-5 7 Night United Package offering 120,000 miles. Return 7 Night certificate for 45,000 Marriott points. Convert remaining 60,000 Marriott points to 20,000 SPG to 25,000 miles
Virgin Atlantic IHG 1 to 1.33 (or better) Points transferred from Virgin Atlantic to IHG are tier qualifying points. If you transfer enough to earn IHG Spire status (requires 75,000 tier qualifying points), you can choose 25,000 points as your Choice Benefit. In this way, you can transfer 75,000 Virgin Atlantic points into 100,000 IHG points. You’ll do even better if you have earned tier qualifying points through other means and can therefore transfer fewer miles.
Virgin Atlantic Hilton 2 to 3 This is an indirect way to transfer Chase points to Hilton.  Since Hilton points are usually worth only around .45 cents each towards free nights, this isn’t usually a good idea.

See Also

Comments

  1. I’m not familiar with transferring UR points to other programs, but I’ve read before that having certain Chase credit cards are required either to transfer to specific partners or to transfer them at higher rates. Is it possible to include that information so that I can better familiarize myself with the requirements? Thanks.

  2. Hi Greg:

    Thank you for all excellent information you have researched for years.
    Please help me to use British Airline’s Avios miles to fly with other airline provided that they are partners.

    Thank you.

  3. Please add the thumbs up graphic to the ideal transfer partners on this and the MR page such as you did on the SPG page.

  4. Wow, thank you for the continual well-organized and thorough information. I don’t know how you do it! I retired end of 2016, and my 2017 goal has been to learn about rewards points. You have been instrumental in helping me.

  5. having an ink card and the reserve card, UR points for each are shown. Since the reserve has a travel redemption of 1.5 cents vs 1.25 on points earned with ink, are you sure they will let you combine points and use them through the reserve card?….common sense would say no.

    • Yes, they absolutely do. In fact, in my case, my wife has the Sapphire Reserve and I have the Sapphire Preferred and Ink Plus. I’ve moved points from my Ink Plus / Sapphire Reserve to her account (Chase allows you to transfer with one person within your household) and then used them for 1.5 cents each. They definitely allow you to combine points back and forth between your cards.

      This is one of the reasons why the CSR may be worth keeping beyond year 1 — if you use points at 1.5c often, it’s great to combo the CSR with an Ink Cash (or Plus if you still have it) or Freedom or Freedom Unlimited.

  6. For Southwest, is paying with Chase points even an option? I didn’t think you could book Southwest through the Chase travel portal.

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