The Quick Version
- Chase Ultimate Rewards transfers to 13 partners at a 1:1 ratio — 10 airlines and 4 hotels — with no fees.
- Only Sapphire Preferred, Sapphire Reserve, and Ink Business Preferred can initiate transfers. Freedom cards cannot transfer directly.
- World of Hyatt is the best hotel partner — it still uses an award chart, making point value predictable.
- Aeroplan, United MileagePlus, and Singapore KrisFlyer are the top airline partners for premium cabin travel.
- Transfers are permanent. Confirm award availability before moving points — they cannot be returned to Chase.
Chase Ultimate Rewards points work differently from most credit card rewards. Instead of booking through a portal at a fixed rate, you can move points directly into partner loyalty programs — often at far higher value. That option exists because Chase maintains transfer partnerships with 13 airlines and hotels, all at a 1:1 ratio with no fees.
This guide covers how the program works, which partners are worth using, which cards give you access, and the exact steps to complete a transfer.
Quick Answer
Chase Ultimate Rewards transfers at 1:1 to 13 partners — 10 airlines and 4 hotels. Eligible cards: Sapphire Preferred, Sapphire Reserve, and Ink Business Preferred. Minimum transfer: 1,000 points. Transfers are permanent and cannot be reversed.
How Transfers Work
When you transfer Chase points to a partner, your Ultimate Rewards balance decreases and the partner program's balance increases by the same amount. The ratio is 1:1 for every Chase partner — 1,000 Chase points becomes 1,000 miles or hotel points — with no transfer fees.
Most partner transfers process immediately or within one business day. Chase states processing can take up to seven business days in some cases, so plan transfers a few days before a time-sensitive booking.
Transfers are one-way and permanent. Once points move to a partner, they cannot be returned to Chase or redirected to a different program. Confirm award availability before transferring.
All Chase Transfer Partners
| Partner | Type | Ratio | Best Use |
|---|---|---|---|
| Aer Lingus AerClub | Airline | 1:1 | Transatlantic Avios awards |
| Air Canada Aeroplan | Airline | 1:1 | Star Alliance business and first class |
| Air France/KLM Flying Blue | Airline | 1:1 | SkyTeam awards and monthly promo fares |
| British Airways Executive Club | Airline | 1:1 | Short-haul Avios awards |
| Iberia Plus | Airline | 1:1 | Madrid routes at discounted Avios rates |
| JetBlue TrueBlue | Airline | 1:1 | Domestic and Caribbean routes |
| Singapore Airlines KrisFlyer | Airline | 1:1 | Singapore first and business class |
| Southwest Rapid Rewards | Airline | 1:1 | Domestic leisure travel |
| United MileagePlus | Airline | 1:1 | Star Alliance business class to Europe and Asia |
| Virgin Atlantic Flying Club | Airline | 1:1 | Delta One and ANA first class |
| World of Hyatt | Hotel | 1:1 | Luxury stays with predictable award chart |
| IHG One Rewards | Hotel | 1:1 | Limited value — use selectively |
| Marriott Bonvoy | Hotel | 1:1 | Generally low value vs. portal booking |
| Wyndham Rewards | Hotel | 1:1 | Low but consistent value |
Which Cards Can Transfer Points
Not all Chase cards that earn Ultimate Rewards points can access transfer partners. Three cards unlock direct transfers:
Chase Sapphire Preferred ($95/year), Chase Sapphire Reserve ($550/year), and Ink Business Preferred ($95/year).
Freedom, Freedom Flex, and Freedom Unlimited cards earn Ultimate Rewards points but cannot transfer to partners on their own. If you hold a Freedom card alongside a Sapphire or Ink Preferred, you can move your Freedom points into the Sapphire account first, then transfer from there.
How to Transfer Points (Step by Step)
Step 1: Sign in to your Chase account at chase.com and select the card you want to use for the transfer.
Step 2: Navigate to "Use Points" and choose "Transfer to Travel Partners" from the dropdown menu.
Step 3: Select the partner program. If you do not already have an account with that airline or hotel program, create one before proceeding — Chase requires the account to exist before a transfer can be initiated.
Step 4: Enter the number of points to transfer. The minimum is 1,000 points, and all transfers must be in increments of 1,000.
Step 5: Review and confirm the transfer. Most transfers post to partner accounts immediately or within one business day.
Best Partners for Maximum Value
World of Hyatt
Hyatt is the strongest hotel transfer option in the Chase program. It still uses an award chart, which means you know exactly how many points a stay costs before searching. High-end properties — including Park Hyatt and Alila brands — often require 25,000–35,000 points per night for stays that retail for $500–$1,000 or more.
Air Canada Aeroplan
Aeroplan is one of the most flexible airline partners for premium cabin travel. It allows booking of Star Alliance flights — including Lufthansa first class — with no fuel surcharges on most awards. Lufthansa first class from North America to Europe books for approximately 90,000–100,000 Aeroplan points.
United MileagePlus
United MileagePlus is useful for booking Star Alliance business class, particularly to Europe and Asia. Chase transfers to United at 1:1, and United provides access to partners including Lufthansa, ANA, and Singapore Airlines on the same award chart.
Singapore Airlines KrisFlyer
KrisFlyer is the program for booking Singapore Airlines' own Suites and business class products. Award availability on Singapore metal is limited but present year-round, and the products are widely considered among the best in the world.
Virgin Atlantic Flying Club
Virgin Atlantic's program is particularly useful for booking Delta One business class and ANA first class at rates often significantly lower than what Delta and ANA charge through their own programs.
Mistakes to Avoid
Transferring without confirmed award availability. Transfers are permanent. Search for and confirm or hold award space before moving points.
Transferring to low-value hotel programs. Marriott, IHG, and Wyndham generally deliver less value than redeeming points through the Chase travel portal. Hyatt is the exception.
Using a Freedom card without a transfer-eligible card. Freedom points cannot leave the Chase ecosystem unless pooled with a Sapphire or Ink Preferred account first.
Missing transfer bonuses. Chase occasionally offers limited-time bonuses — typically 25–30% extra points — to select partners. Transferring during a bonus window can meaningfully improve value.
Frequently Asked Questions
Yes. Every Chase Ultimate Rewards transfer partner receives points at a 1:1 ratio. A transfer of 10,000 Chase points results in 10,000 partner miles or points.
Yes. You can split points across as many partners as you want, as long as each individual transfer meets the 1,000-point minimum.
Most transfers post immediately or within one business day. Chase states processing can take up to seven business days, so plan transfers a few days before a time-sensitive booking.
Once transferred, the partner program's own expiration rules apply. Policies vary widely — some programs expire points after 12–24 months of inactivity, others do not expire points as long as the account remains open.
Chase allows transfers to partner loyalty accounts in your own name. Some programs permit household member transfers, but you generally cannot transfer points to an unrelated third party's account.
Transfer partners are what make Chase Ultimate Rewards points worth accumulating. The 1:1 ratio to 13 programs means your points have real flexibility — from domestic leisure travel on Southwest to luxury hotel stays with Hyatt to first class flights to Europe via Aeroplan. The key discipline is to transfer with a specific award in mind, since transfers cannot be reversed.