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Chase Transfer Partners: Everything You Need to Know 2025

Updated
Matt Frankel, CFP®
Matt Frankel, CFP®
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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Several credit card companies allow for rewards points to be transferred to various airline and hotel partners, but Chase Ultimate Rewards points are some of the most transferable of all.

Not only are there more than a dozen travel partners that accept Ultimate Rewards transfers on a one-to-one basis, but many transfers happen instantly and the transfer process itself is very easy to navigate.

In this guide, we'll discuss which Chase credit cards allow point transfers, we'll list the airline and hotel loyalty programs that allow Ultimate Rewards transfers, and we'll take you step by step through the process of transferring Ultimate Rewards points.

Chase credit cards that allow point transfers

There are a few Chase credit cards that earn Chase Ultimate Rewards® points, and these are not only some of the most valuable credit card reward points in the market, but they also have some of the best options when it comes to transferring points to partners.

Specifically, these Chase credit cards allow points to be transferred to partners:

As of Mar. 20, 2025
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Chase Sapphire Preferred® Card Chase Sapphire Reserve® Ink Business Preferred® Credit Card
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4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
= Good
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Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

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Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

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Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

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Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

100,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

Rewards Program: Circle with letter I in it. 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, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Rewards Program: Circle with letter I in it. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.

Rewards Program: Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR:

19.99% - 28.24% Variable

Regular APR:

20.24% - 28.74% Variable

Regular APR:

20.24% - 26.24% Variable

Annual Fee:

$95

Annual Fee:

$550

Annual Fee: Circle with letter I in it. N/A

$95

Highlights:

  • Earn 100,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC

Highlights:

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC

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 25% 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
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

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Apply Now for Chase Sapphire Reserve®

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Apply Now for Ink Business Preferred® Credit Card

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Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

To be sure, these are not the only cards that earn Ultimate Rewards points. But they are the only three that allow point transfers.

It's also worth noting that there are a few Chase credit cards that earn cash back. These are:

  • Chase Freedom Flex®
  • Chase Freedom Unlimited®
  • Ink Business Cash® Credit Card
  • Ink Business Unlimited® Credit Card

If you have one of these cards, the cash back you earn isn't transferable as points all by itself. However, if you have one of the three cards in the list above, you are allowed to combine your reward points into a single account, and the rewards you earn from these cash back cards can become transferable points.

Transfers must be completed in 1,000-point increments, and all transfers are at a 1-to-1 ratio. There are occasional transfer bonuses to incentivize cardholders to transfer their points to certain partners. For example, you might see a 25% transfer bonus with a specific airline partner.

Chase airline transfer partners

There are 11 airline loyalty programs that allow Chase Ultimate Rewards points to be transferred on a one-to-one basis:

  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • Air France-KLM Flying Blue
  • British Airways Executive Club
  • Emirates Skywards
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United Airlines MileagePlus
  • Virgin Atlantic Flying Club

Chase hotel transfer partners

In addition to its airline partners, Chase also has three hotel partners to which Chase Ultimate Rewards points can be transferred:

  • IHG One Rewards
  • Marriott Bonvoy
  • World of Hyatt

In addition to these airline and hotel partners, you can also transfer Chase Ultimate Rewards points to another person. They must have an Ultimate Rewards account of their own, and just like airline and hotel transfers, points must be transferred in increments of 1,000.

How long do Chase Ultimate Rewards transfers take?

The official guidance from Chase indicates that after you complete the steps to make an Ultimate Rewards transfer, which we'll outline in the next section, the transfer should post "within several business days."

In practice, the transfers often happen significantly faster. There are several third-party accounts of most Chase Ultimate Rewards transfers happening instantly, with a few specific programs taking as long as two business days.

Also, if there's a transfer bonus offer, there are reports that the transferred points and the bonus points might show up in two separate transactions.

How to transfer Chase points

The process of transferring Chase Ultimate Rewards points is a rather easy one.

1. Log in to your Chase account. You can do this on a laptop or smart phone.

2. Navigate to the Chase Ultimate Rewards portal. It should look like the screenshot below.

A screenshot of the Chase Ultimate Rewards portal.

3. Select "Travel". Then click on "Transfer to Travel Partners" at the top of the Ultimate Rewards dashboard.

A screenshot of the Transfer Points to Partners button within the Chase Rewards platform.

4. Select the transfer partner you want. You'll either need a loyalty program account with the transfer partner, or you'll need to make one prior to transferring. In other words, if you don't have a Marriott Bonvoy account, you'll need to make one.

5. Enter the number of points you'd like to transfer. Remember that these have to be in increments of 1,000.

6. Confirm the transfer. Be sure the name on your Chase account is the same as the name on the account you have with the transfer partner.

See more of what Chase has to offer

To explore Chase credit cards and get the full rundown of perks available, check out our guide to the best Chase credit cards.

Learn more about Chase

Learn more about Chase transfers

FAQs

  • There is no charge to transfer Chase Ultimate Rewards points to another account, another person's Ultimate Rewards account, or to one of Chase's 14 airline and hotel partners.

  • It depends on how you use them and which card you have. The three Chase cards that allow point transfers all have a bonus value for points when redeemed directly for travel through Chase's portal, making them worth $0.0125 to $0.015 each. However, if you can find a good mileage redemption deal through an airline's loyalty program, it's not uncommon to get $0.02 or more in value per mile.

    The short answer is that if you find a good deal on a redemption flight through an airline (or if you get a transfer bonus from a promotion), transferring your miles can be an excellent value.

  • Unlike with certain other airlines, Delta and American are not Chase Ultimate Rewards transfer partners, so you can't transfer your rewards points into their loyalty programs to book tickets. However, you can use the Chase Ultimate Rewards travel portal to book flights on these airlines directly with your Ultimate Rewards points. In fact, with some of the point-earning cards, you'll get a 25% or 50% bonus on redeemed points.