You can transfer Chase Ultimate Rewards points to more than a dozen airline and hotel programs, but the transfer is permanent and the exchange rate varies by partner
Chase Ultimate Rewards points sit in your account until you move them. You can redeem them for cash back, statement credits, or travel bookings through Chase's own portal — or you can transfer them to an airline or hotel loyalty program. Once you transfer points, you cannot move them back to Chase or to a different partner. The number of points you receive from the partner depends on which airline or hotel you choose; some partners give you one point per Chase point transferred, while others give you more or less.
The transfer happens online through your Chase account, takes between a few minutes and 24 hours to complete, and requires you to have an active account with the partner program before you start. You do not need to contact Chase or the partner directly — the whole process runs through your Chase login.
Key Takeaways
- Chase transfers points to roughly 15 airline and hotel programs, and each partner offers a different exchange rate that you can see before you transfer.
- You must have an open account with the partner airline or hotel before you can transfer points to them, and you need your membership number to complete the transfer.
- Transfers are permanent and cannot be reversed, so confirm the partner and the number of points before you submit.
- Most transfers arrive within 24 hours, though some partners post points within minutes.
- The value of transferred points depends on how you redeem them with the partner, not on what you paid for the Chase card.
Which Airlines and Hotels Accept Chase Points
Chase partners with major carriers and hotel chains, though the list changes occasionally. Current partners include American Airlines, United Airlines, Southwest Airlines, Delta Air Lines, JetBlue Airways, British Airways, Lufthansa, Air France-KLM, Virgin Atlantic, ANA (All Nippon Airways), Singapore Airlines, and Hyatt Hotels. Some regional carriers and smaller hotel brands are also available through the transfer portal.
Each partner sets its own exchange rate. You might transfer at a 1:1 ratio with one airline but receive only 0.8 points per Chase point with another, or 1.25 points with a third. Chase displays the current rate for each partner before you confirm the transfer, so you can compare and decide which program gives you the most value for your points.
The exchange rate can change without notice, though Chase typically gives advance warning if a major shift is coming. Check the transfer portal the day you plan to transfer to see the current rates.
How to Set Up Your Partner Account Before Transferring
You need an active membership account with the airline or hotel before Chase will let you transfer points to them. If you do not have an account yet, you must open one with the partner first. This is free and takes a few minutes — you provide your name, email, and a password, and the partner issues you a membership number when ready.
Write down or save your membership number in a safe place. You will enter this number into the Chase transfer form, and if you enter it incorrectly, the points may go to the wrong account or fail to transfer. Some partners let you look up your membership number on their website if you forget it, but it is easier to have it ready before you start.
Once your partner account is open and you have your membership number, you are ready to transfer. You do not need to do anything else with the partner account — no special status, no minimum balance, nothing. The account just needs to exist.
The Step-by-Step Transfer Process
Log into your Chase account online or through the Chase mobile app. Navigate to the Ultimate Rewards section and look for the option to transfer points. This is usually labeled "Transfer Points" or "Move Points to Partners" depending on which Chase card you hold.
Select the partner airline or hotel from the list. Chase will show you the current exchange rate for that partner — for example, "1 Chase point = 1 partner point" or "1 Chase point = 0.8 partner points". Review the rate and decide if you want to proceed.
Enter the number of Chase points you want to transfer. The minimum transfer amount varies by partner but is typically 1,000 points. Some partners require transfers in increments of 1,000 or 5,000 points, so you cannot transfer an odd number like 2,347 points.
Enter your partner membership number exactly as it appears in your partner account. Double-check this before you submit — a typo sends your points to someone else's account, and Chase cannot reverse the transfer.
Review the summary screen. It will show your Chase points going out, the number of partner points you will receive, and your partner membership number. If anything is wrong, go back and correct it. Once you confirm, the transfer is final.
Click submit or confirm. Most transfers post to your partner account within 24 hours, though some airlines and hotels credit points within minutes. You can check your partner account to see if the points have arrived, or wait for a confirmation email from the partner.
Exchange Rates and When They Change
Chase does not set all exchange rates equally. Premium partners like American Airlines and United Airlines often offer 1:1 transfers, meaning one Chase point becomes one airline point. Other carriers might offer 0.8:1 or 1.25:1 depending on the partnership agreement and current demand.
Hyatt Hotels typically offers a favorable rate — sometimes 1:1 or better — because Hyatt points are generally harder to earn through other programs. Smaller or regional partners may offer lower rates to balance the value.
Exchange rates can shift, and Chase sometimes runs limited-time bonuses that increase the rate for a specific partner. For example, Chase might temporarily offer 1.25 points per Chase point to United Airlines for a month. These bonuses are announced in your Chase account and via email to cardholders, but you have to check the transfer portal to see current rates — Chase does not always advertise every rate change prominently.
If you are considering a transfer, check the rate the day you plan to transfer. Rates are most stable for major carriers, but smaller partners can shift more often.
What Happens After Your Points Arrive
Once the partner receives your points, they belong to that program's rules, not Chase's. You can use them to book flights, hotel stays, upgrades, or other rewards that the partner offers. The value you get depends entirely on how you redeem them — the same 10,000 points might be worth $100 in cash value with one airline but only $75 with another, depending on the award chart and availability.
Partner points do not expire as long as you have activity in your account with that partner. Activity usually means earning or redeeming points, or sometimes just logging in. Check your partner's policy on point expiration, because it varies.
If you transfer points and later regret it, you cannot ask Chase to reverse the transfer. The points are now in the partner's system. Your only option is to contact the partner directly and ask if they have a policy for reversing transfers — most do not, but it is worth asking if the transfer was very recent.
When Transferring Points Makes Sense
Transferring points is most valuable when you have a specific redemption in mind with that partner. If you know you want to book a business-class flight on United Airlines in three months, transferring your Chase points to United now lets you lock in that award before availability fills up. If you have no specific plan, you might get more value by redeeming your Chase points for cash back or booking through Chase's travel portal, where you can see prices and availability before you commit.
Transfer points also make sense if you are close to a redemption threshold with a partner. If you need 5,000 more points to book a hotel stay at Hyatt and you have 6,000 Chase points, transferring gets you there when ready. Waiting to earn points through the Hyatt card or stays might take months.
Avoid transferring if you are uncertain about your travel plans or if you have not checked award availability with that partner. Points transferred to a partner are locked in — you cannot change your mind and move them elsewhere.
Frequently Asked Questions
Can I transfer Chase points to multiple partners at the same time?
Yes. You can split your points across different airlines and hotels in separate transfers. For example, you could transfer 5,000 points to United and 3,000 points to Hyatt in the same day. Each transfer is independent, so you can do them one after another through your Chase account.
What if I enter the wrong membership number?
The points will transfer to the account associated with that membership number, which may not be yours. Chase cannot reverse transfers, so contact the partner when ready and explain the error. The partner may be able to move the points to your correct account if you reach them quickly, but this is not may provide. Always double-check your membership number before you confirm.
Do transferred points count toward elite status with the airline or hotel?
No. Transferred points count as redeemable points in your account, but they do not earn elite may have access to miles, elite may have access to dollars, or status credits. Only points you earn through stays, flights, or credit card spending count toward elite status with most partners.
How long does it take for points to show up in my partner account?
Most transfers arrive within 24 hours. Some partners, particularly airlines, post points within minutes. You can log into your partner account to check, or wait for a confirmation email from the partner. If points do not arrive within 48 hours, contact the partner's customer service with your transfer confirmation number from Chase.
Can I transfer points back from my airline account to Chase?
No. Transfers are one-way only. Once points leave your Chase account and arrive with the partner, they stay with the partner. You cannot move them back to Chase or to a different airline or hotel.