You can transfer Chase points to over 40 airline and hotel partners, but the process varies by card and partner

Chase points transfer through their Ultimate Rewards program, which lets you move points from may be able to access Chase credit cards to airline frequent flyer programs and hotel loyalty accounts. Not every Chase card offers this feature — it depends on which card you hold. The transfer itself is instant and free, but the exchange rate changes by partner and by card type. Once points land in an airline or hotel account, you cannot move them back to Chase.

The transfer happens online through your Chase account dashboard. You pick a partner, enter how many points you want to move, and confirm. The points show up in your partner account within hours, usually immediately. The main trade-off is that you lock in a fixed value — if you transfer 10,000 points to an airline, you cannot change your mind and use them for something else later.

Key Takeaways

  • Only certain Chase cards offer point transfers — the Sapphire Preferred, Sapphire Reserve, and some business cards do, but many others do not.
  • Chase has partnerships with over 40 airlines and hotels, and you can see the full list and current transfer rates in your account before you transfer.
  • Transfers are instant and free, but the value you get depends on which partner you choose and what redemption you book with them.
  • Points transferred to an airline or hotel account cannot be moved back to Chase, so confirm your redemption plan before you transfer.

Which Chase cards let you transfer points

The Chase Sapphire Preferred and Chase Sapphire Reserve are the main consumer cards that offer transfers. Both cards earn Ultimate Rewards points and both let you move those points to partners. A few other cards like the Chase Ink Business Preferred also offer transfers, but many popular Chase cards — including the Freedom Unlimited and the basic Freedom card — do not.

Check your card's benefits guide or log into your Chase account to see whether transfers are available. If your card does not offer transfers, you can still redeem points through Chase's travel portal or for cash back, but you cannot move them to an airline or hotel.

How to transfer points through your Chase account

Log into your Chase account online or through the mobile app. Navigate to your rewards or points balance. Look for an option labeled "Transfer Points" or "Manage Points" — the exact wording varies by card. Select the airline or hotel partner you want to transfer to. Chase will show you the current transfer rate (for example, 1,000 Chase points might equal 1,000 airline miles, or the rate might be different).

Enter the number of points you want to transfer. Review the confirmation screen to make sure the number is correct and the partner is right. Confirm the transfer. The points leave your Chase account immediately and appear in your partner account within hours. You will receive a confirmation email from both Chase and the partner airline or hotel.

Chase's airline and hotel partners

Chase partners with major carriers including United, American, Delta, Southwest, and Alaska Airlines, as well as international carriers like Air France-KLM, British Airways, and Japan Airlines. On the hotel side, partners include Hyatt, Marriott Bonvoy, IHG One Rewards, and Wyndham Rewards. The full list changes occasionally, and not all partners are available to every cardholder — some partnerships are limited to specific card types.

The transfer rates vary by partner. Some partners offer a 1:1 ratio (1 Chase point = 1 airline mile or hotel point), while others offer less favorable rates. Chase displays the current rate for each partner before you confirm a transfer, so you can compare and choose the best value for your situation.

Transfer rates and when they change

Chase does not publish a fixed transfer rate schedule. Instead, rates are set per partner and can shift based on promotions, demand, or changes in the partnership. When you log in to transfer, you see the current rate for each partner at that moment. Some partners occasionally offer bonus rates — for example, a promotion might temporarily offer 1.25 airline miles per Chase point instead of the usual 1:1 rate.

The rate you see when you initiate a transfer is the rate you lock in. If you start the transfer and then cancel, and come back later, the rate may have changed. This is why it makes sense to check rates before you decide to transfer, and to complete the transfer if you see a rate you are comfortable with.

What happens after you transfer points

Once points land in your airline or hotel account, they are subject to that program's rules, not Chase's. If the airline or hotel devalues their program, your transferred points are affected. Most airlines and hotels allow you to use points for flights, hotel stays, or upgrades, and some let you transfer points to other members or use them for other purchases within their ecosystem.

Points transferred to an airline or hotel account do not expire as long as you have account activity (like earning or redeeming points) at least once every 12 to 24 months, depending on the program. Check the specific partner's policy if you think you might not use the points right away.

Reasons to transfer points versus redeeming them directly

Transferring points to a partner often gives you more value than redeeming through Chase's travel portal, especially if you are flexible about which airline or hotel you use. For example, Chase might value a point at 1 cent when you redeem through their portal, but that same point might be worth 1.5 cents or more when transferred to an airline and used for a premium cabin seat or a high-demand flight.

The downside is that you need to know how to find good redemptions within each airline or hotel program. If you are not familiar with how frequent flyer programs work, or if you do not have a specific trip in mind, redeeming through Chase's portal is simpler and guarantees a fixed value. Transfers work best when you have a specific flight or hotel stay you want to book and you have checked that the points will get you a good deal.

Frequently Asked Questions

Can I transfer points to someone else's airline account?

No, Chase only allows you to transfer points to accounts registered in your own name. Some airlines let you transfer miles between accounts after they arrive, but that is a separate transaction and depends on the airline's rules. Check with your airline to see whether they allow member-to-member transfers.

What if I transfer points and then change my mind?

Once points are transferred to an airline or hotel, Chase cannot reverse the transfer. You would need to contact the airline or hotel to see if they can help, but most programs do not allow reversals. Always confirm your redemption plan before you transfer.

Do I lose points if I transfer them?

You do not lose points in the transfer itself — the number you transfer is the number that arrives at the partner. However, the value you get depends on how you use them. A transfer rate of 1:1 means 10,000 Chase points become 10,000 airline miles, but those miles might be worth more or less depending on the flight you book.

Are there transfer bonuses or promotions?

Chase occasionally runs promotions offering bonus miles or points when you transfer. For example, a promotion might offer 25% extra miles on transfers to a specific airline for a limited time. Check your account dashboard or Chase's website for current promotions before you transfer.

Can I transfer points from multiple Chase cards to the same airline account?

Yes, you can transfer points from any of your Chase cards that offer transfers to the same airline or hotel account. The transfers are separate transactions, but they all land in the same partner account.