You can transfer Chase Ultimate Rewards points to about 40 airline and hotel partners, but the transfer is permanent and the exchange rate varies by partner
Chase Ultimate Rewards points transfer to airline frequent-flyer programs and hotel loyalty accounts through Chase's transfer partners. Once you move points from your Chase account to an airline or hotel, you cannot move them back. The number of points you receive depends on the partner — some offer a 1:1 exchange, while others give you fewer points per transfer.
Transfers happen instantly online through your Chase account, with no fees. You need an active account with the airline or hotel program before you transfer, because Chase sends the points directly to that program's account number. The real value of transferring comes from using those points strategically — airline points often buy premium cabin seats that would cost far more in cash, while hotel points can cover entire stays at partner properties.
Key Takeaways
- Chase transfers points instantly to about 40 airline and hotel partners at rates that range from 1:1 to less favorable exchanges depending on the partner.
- You must have an active account with the airline or hotel program before transferring, because Chase deposits points directly into that program account.
- Transfers are permanent — once points leave your Chase account, you cannot bring them back or redirect them to a different partner.
- The value of transferred points depends on what you book; premium cabin flights and off-season hotel stays often give the best return on points spent.
- Some Chase cards earn bonus points when you transfer to specific partners, which can make certain transfers more valuable than others.
Which airlines and hotels accept Chase transfers
Chase partners with major U.S. and international carriers including United, American, Delta, Southwest, JetBlue, Air France-KLM, British Airways, and Lufthansa. Hotel partners include Hyatt, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards, and Hilton Honors. The full list of partners changes occasionally, so you should check your Chase account to see the current options before transferring.
Not all Chase cards have access to all partners. Some premium cards like the Chase Sapphire Reserve offer transfer privileges to the full partner network, while business cards and entry-level cards may have a smaller list. Check your specific card's benefits guide or log into your Chase account to see which partners are available to you.
How to transfer points through your Chase account
Log into your Chase account online or through the mobile app and navigate to the Ultimate Rewards section. Select "Transfer Points" or "Redeem Points," then choose the airline or hotel partner you want to transfer to. Chase will ask for the account number or membership ID associated with your airline or hotel loyalty program — this is where the points will land, so make sure you enter it correctly.
Enter the number of points you want to transfer and confirm the transaction. The points leave your Chase account immediately and appear in your airline or hotel account within minutes to a few hours. Chase does not charge a fee for transfers. Keep in mind that once the transfer completes, you cannot undo it or recover those points if you change your mind.
Understanding transfer rates and partner value
Most Chase partners accept points at a 1:1 ratio — one Chase point becomes one airline or hotel point. Some partners offer better rates: certain transfers to Hyatt or Marriott Bonvoy may give you a bonus, meaning you receive more points than you transferred. Other partners have less favorable rates, particularly some international carriers where you might receive 0.8 or 0.9 points per Chase point transferred.
The real value of a transfer depends on what you can book with those points. A Chase point redeemed for cash back is typically worth 1 cent. But an airline point transferred strategically might book a business-class seat worth $5,000 or more, making that transfer far more valuable. Hotel points can similarly cover nightly rates of $200 to $400 or higher at premium properties. Before you transfer, research what flights or stays you could book with the points you plan to move.
Bonus point offers tied to specific transfers
Some Chase cards offer bonus points when you transfer to certain partners. For example, a card might give you a 10% bonus on all points transferred to United, meaning if you transfer 10,000 points, you receive 11,000 United miles. These bonuses are usually listed in your card's benefits guide or in the transfer section of your Chase account.
Check whether your card offers any transfer bonuses before you move points. A bonus can significantly increase the value of a transfer and may make one partner more attractive than another. Bonuses change periodically, so what was available last year may not apply now.
What to do if you do not have an account with the partner yet
You must open an account with the airline or hotel before transferring points. This is free and takes a few minutes — visit the airline's or hotel's website, sign up for their loyalty program, and confirm your membership. You will receive a membership number immediately, either on screen or via email.
Do not transfer points until you have that membership number in hand and have verified it in your account. If you transfer to an account number that does not exist or is incorrect, Chase cannot recover the points. Once the transfer completes, you would need to contact the airline or hotel to attempt recovery, which is not may provide.
When transferring points makes sense versus other redemption options
Transferring points makes sense when you have a specific trip in mind and can book a premium cabin seat or a high-value hotel stay. If you are booking economy flights or budget hotel rooms, you may get better value by redeeming points directly through Chase's travel portal or for cash back. Chase's travel portal typically values points at 1 to 1.5 cents each, while transferred points can be worth significantly more if used strategically.
Transfers also make sense if you have accumulated a large balance in one program and want to consolidate it with Chase points to reach a redemption threshold. Some airlines require a minimum number of points to book certain flights, and combining your Chase points with existing airline points can help you reach that minimum. However, if you are unsure whether you will use the points within a reasonable timeframe, keeping them in your Chase account gives you more flexibility to change your mind.
Frequently Asked Questions
Can I transfer points back from an airline to Chase if I change my mind?
No. Chase transfers are one-way and permanent. Once points reach an airline or hotel account, they belong to that program and cannot be moved back to Chase or redirected elsewhere. This is why it is important to be certain about your transfer before you complete it.
Do I lose points if I transfer them?
You do not lose points in the transfer itself, but you may receive fewer points than you transferred if the partner has an unfavorable exchange rate. Most partners use 1:1 rates, but some offer less. Check the rate before you transfer to understand exactly how many points will arrive in your airline or hotel account.
How long does a transfer take?
Transfers are instant or near-instant. Points typically appear in your airline or hotel account within minutes to a few hours. You can usually see the transfer reflected in your Chase account immediately after you confirm it.
What happens if I transfer points to the wrong airline or hotel account?
Contact Chase customer service and the airline or hotel as soon as possible. While transfers are permanent, some programs may be able to help if you contact them quickly. However, recovery is not may provide, which is why verifying your account number before transferring is critical.
Are there any fees for transferring points?
No. Chase does not charge a fee to transfer points to partners. The airline or hotel program also does not charge a fee to receive them. The only cost is the potential difference in value if the partner offers an unfavorable exchange rate.