Best Transfer Partners for Chase Ultimate Rewards Points in 2026

# Best Transfer Partners for Chase Ultimate Rewards Points in 2026

Last Updated: February 25, 2026

Chase Ultimate Rewards points can be transferred to 14+ airline and hotel partners, often yielding 1.5-2.5 cents per point value - far better than the 1-1.5 cent portal redemption. This comprehensive guide ranks the best transfer partners, shows real redemption examples, and reveals insider strategies for maximum value.

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Quick Rankings: Best Chase Transfer Partners

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Complete Transfer Partner List

Airlines (10 Partners)

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

Hotels (3 Partners)

• World of Hyatt
• IHG One Rewards
• Marriott Bonvoy

Other

• Cash back (1¢ per point)

Transfer ratio: 1:1 for all partners (1 Chase point = 1 airline mile or hotel point)

Transfer time: Instant to 2-3 days depending on partner

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Detailed Partner Reviews

🥇 #1: World of Hyatt - Best Overall Transfer Partner

Why It's #1: Consistently delivers 1.8-2.5¢ per point value with excellent availability.

#### Transfer Details

• Ratio: 1:1 (1,000 Chase points = 1,000 Hyatt points)
• Transfer time: Instant
• Minimum: 1,000 points

#### Award Chart (Points per Night)

#### Sweet Spots

Category 1-2 Hotels (Best value):

• 5,000-8,000 points per night
• Often $150-300/night hotels
• Value: 2.0-4.0¢ per point
• Great for extended stays

Examples:

• Hyatt Place properties: 5,000-8,000 points ($100-200 value)
• Hyatt House: 8,000-12,000 points ($150-250 value)

Category 3-4 Hotels:

• 12,000-15,000 points per night
• $200-400/night properties
• Value: 1.5-2.5¢ per point

Examples:

• Hyatt Regency properties: 12,000-15,000 points ($250-400 value)
• Grand Hyatt: 15,000-20,000 points ($300-500 value)

Category 7-8 Luxury (Peak season):

• 30,000-40,000 points per night
• $600-1,500+/night resorts
• Value: 2.0-3.5¢+ per point

Examples:

• Park Hyatt Maldives: 30,000-40,000 points ($800-2,000/night value)
• Alila Ventana Big Sur: 40,000 points ($1,200+/night value)
• Park Hyatt Paris: 30,000 points ($700+/night value)

#### Why Hyatt Is Best

Consistent value:

• Rarely dips below 1.5¢ per point
• Often 2.0-2.5¢ per point
• Luxury properties can hit 3¢+ per point

Good availability:

• Standard rooms usually bookable
• Better than Marriott/Hilton for award space
• Peak/off-peak flexibility

No dynamic pricing (yet):

• Fixed award chart
• Predictable redemptions
• Can plan ahead

Globalist status benefits:

• Suite upgrades
• Free breakfast
• Late checkout
• Lounge access

Verdict: Transfer to Hyatt for any hotel redemption. It's almost always the best value.

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🥈 #2: Southwest Rapid Rewards - Best Domestic Airline

Why It's Great: Fixed point value (1.4-1.6¢) + Companion Pass potential.

#### Transfer Details

• Ratio: 1:1
• Transfer time: Instant
• Minimum: 1,000 points

#### How Southwest Points Work

Fixed value:

• Points worth 1.4-1.6¢ each depending on flight
• Revenue-based (not award chart)
• No blackout dates
• Unlimited seats (if seat available for sale, can book with points)

Example:

• $300 flight = ~20,000 Southwest points
• Value: 1.5¢ per point

#### Sweet Spots

Companion Pass (Ultimate sweet spot):

• Earn 125,000 qualifying points in a calendar year
• Get Companion Pass for remainder of that year + next full year
• Your companion flies FREE on all Southwest flights

How to get it:

1. Transfer 50,000 Chase points → Southwest
2. Open Southwest card with 50,000 point bonus
3. Spend to earn 25,000 more points
4. Total: 125,000 points = Companion Pass
5. Every flight is now 2-for-1 for up to 2 years

Value calculation:

• Pay for one ticket with points
• Companion flies free
• Effectively doubles your point value to 3¢+ per point

Domestic travel:

• Southwest flies to 100+ US cities
• No change fees
• 2 free checked bags
• Great for families

Examples:

• NYC to California: 15,000-25,000 points ($200-350 value) = 1.4-1.6¢
• Chicago to Florida: 12,000-18,000 points ($150-250 value) = 1.5¢
• With Companion Pass: Same cost, 2 people = 3¢+ per point

#### Best Uses

Domestic family travel:

• Use Companion Pass for free companion
• 2 checked bags per person (family of 4 = 8 free bags)
• No change fees (flexibility)

Last-minute bookings:

• Southwest doesn't charge more for last-minute
• Fixed point value
• Better than United/Delta dynamic pricing

Flexibility:

• Cancel and get points back (no penalty)
• Change flights for free
• Can rebook if price drops (get points refunded)

Verdict: Best for US domestic travel, especially with Companion Pass. Unbeatable for families.

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🥉 #3: United MileagePlus - Best International Airline

Why It's Great: Star Alliance access, reasonable awards to Europe/Asia, good availability.

#### Transfer Details

• Ratio: 1:1
• Transfer time: Instant
• Minimum: 1,000 points

#### Award Chart (One-Way Saver Awards)

Note: "Saver" availability required for these rates. Standard awards cost more.

#### Sweet Spots

US to Europe (Economy):

• 30,000 points one-way
• 60,000 points round-trip
• $600-1,200 flights
• Value: 1.5-2.0¢ per point

Examples:

• NYC to London: 30,000 points one-way ($600+ value)
• Chicago to Paris: 30,000 points one-way ($700+ value)
• LA to Frankfurt: 30,000 points one-way ($800+ value)

US to Europe (Business Class):

• 60,000-77,000 points one-way
• $2,000-5,000 flights
• Value: 2.5-4.0¢+ per point

Examples:

• NYC to Zurich: 77,000 points ($3,500+ business class)
• San Francisco to London: 77,000 points ($4,000+ business)

Stopover trick:

• One free stopover on international round-trips
• Example: Fly NYC → London (stay 3 days) → Paris → NYC
• All for one award ticket
• Essentially 2 trips for price of 1

Star Alliance partners:

• Book Lufthansa, Swiss, Austrian, etc.
• Access to premium cabins
• Better availability than booking direct

Short-haul economy:

• US domestic: 8,000 points
• East Coast to Midwest/Texas: 10,000 points
• Good value if you don't have Southwest

#### Best Uses

Transatlantic business class:

• 77,000 points vs $3,000-5,000 cash
• Excellent value
• Good availability on United metal

Asia business/first class:

• 90,000-110,000 points to Asia business
• $5,000-10,000 cash value
• Value: 4-6¢+ per point

Stopover routing:

• Visit 2 cities for 1 award
• Maximizes value
• Great for Europe trips

Verdict: Best airline for international travel, especially to Europe. Star Alliance access is huge.

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4️⃣ Air France-KLM Flying Blue - Best for Europe

Why It's Great: Promo awards, good availability, covers Europe and Africa.

#### Transfer Details

• Ratio: 1:1
• Transfer time: Instant
• Minimum: 1,000 points

#### Award Pricing (Variable)

US to Europe (Economy):

• Off-peak: 21,500-25,000 points one-way
• Peak: 35,000-50,000 points one-way

US to Europe (Business):

• Off-peak: 53,000-60,000 points one-way
• Peak: 85,000-100,000 points one-way

Note: Flying Blue uses dynamic pricing. Prices vary by date/route.

#### Sweet Spots

Promo Rewards (Best value):

• Monthly rotating discounts (25-50% off)
• Example: US to Europe economy for 15,000-17,500 points
• Must book during promo period
• Insane value when it hits routes you want

US to Europe off-peak:

• 21,500-25,000 economy one-way
• Cheaper than United (30,000)
• Same routes, different alliance (SkyTeam)

Europe to Africa:

• 12,500-25,000 points economy
• Good for adding Africa leg to Europe trip
• Better than other programs

Examples:

• NYC to Paris: 21,500 points economy ($600 value) = 2.8¢
• LA to Amsterdam: 25,000 points economy ($700 value) = 2.8¢
• During 25% promo: 16,125 points ($600 value) = 3.7¢ per point!

#### Best Uses

Monthly promo awards:

• Check every month for deals
• Book when your route is on sale
• Can save 25-50% points

SkyTeam partners:

• Delta, Virgin Atlantic, Korean Air
• Different alliance than United (fills gaps)
• Good for Delta domestic if you miss Southwest

Last-minute travel:

• Sometimes cheaper than United last-minute
• Dynamic pricing can work in your favor

Verdict: Great for Europe travel, especially during promo periods. Monitor monthly for deals.

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5️⃣ Singapore Airlines KrisFlyer - Best Premium Cabins

Why It's Great: World-class business/first class at reasonable rates.

#### Transfer Details

• Ratio: 1:1
• Transfer time: Instant to 1-2 days
• Minimum: 1,000 points

#### Award Chart (One-Way)

#### Sweet Spots

Singapore Suites (First Class):

• A380 with private suites
• Best first class in the world
• 130,000 points US to Asia
• $10,000-20,000 cash price
• Value: 7-15¢ per point

Singapore Business Class:

• Consistently rated #1 business class
• 90,000-95,000 points US to Asia
• $5,000-8,000 cash price
• Value: 5-8¢ per point

Star Alliance partners:

• Book Lufthansa, Swiss, ANA
• Access to premium cabins
• Good for Europe routes

Examples:

• NYC to Singapore Suites: 130,000 points ($15,000+ value) = 11.5¢ per point
• LA to Tokyo on ANA business: 90,000 points ($6,000 value) = 6.7¢ per point

#### Best Uses

Once-in-a-lifetime splurge:

• Singapore Suites for honeymoon
• Best use of Chase points possible
• Unmatched luxury

Asia business class:

• Long-haul flights (12-18 hours)
• Lie-flat beds essential
• Better than economy for that distance

Star Alliance premium redemptions:

• ANA, Lufthansa first class
• Better availability than booking direct

Verdict: Best for premium cabin redemptions. If you want to fly first class, this is how.

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Other Notable Partners

British Airways Executive Club (Good for Short Flights)

Sweet spot: Short-haul flights in distance-based awards

• US West Coast to Hawaii: 13,000 points economy, 25,000 business
• East Coast short hops: 7,500-13,000 points
• Cheaper than United for short distances

Downside: High fuel surcharges on British Airways flights (avoid)

Best use: American Airlines flights (no fuel surcharges)

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Virgin Atlantic Flying Club (Transatlantic Business)

Sweet spot: US to UK business class

• 50,000 points one-way business
• Cheaper than United (77,000)
• Virgin Upper Class is excellent

Example:

• NYC to London business: 50,000 points ($3,000+ value) = 6¢ per point

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JetBlue TrueBlue (Domestic + Caribbean)

Sweet spot: East Coast to Caribbean

• Fixed value ~1.3-1.5¢ per point
• No blackout dates
• Great for beach vacations

Example:

• NYC to Turks & Caicos: 20,000-30,000 points ($300-450 value)

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IHG One Rewards (Budget Hotels)

Sweet spot: Budget hotels globally

• Holiday Inn, Crowne Plaza: 15,000-35,000 points
• Often $80-150 hotels
• Value: 0.5-1.0¢ per point (worse than Hyatt)

Verdict: Only transfer if no Hyatt in the area.

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Marriott Bonvoy (Largest Hotel Chain)

Sweet spot: Category 1-5 hotels

• 7,500-35,000 points per night
• Value: 0.5-1.0¢ per point (worse than Hyatt)

Downside: Devaluations, dynamic pricing coming

Verdict: Only use if you need Marriott specifically. Hyatt is better.

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Transfer Partner Strategy Guide

When to Transfer vs Portal Booking

Use Chase Travel Portal (1.25-1.5¢) when:

• Redemption value is close to portal value
• You want flexibility (can cancel easily)
• Award availability is poor
• You're booking complex itineraries

Transfer to partners when:

• You can get 1.8¢+ per point value
• Award availability exists
• You're booking premium cabins
• You want hotel category 1-4 Hyatt

Example:

• $500 hotel: 33,333 Chase points via portal (1.5¢) OR 20,000 Hyatt points (2.5¢ value)
• Transfer to Hyatt saves 13,333 points

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How to Search Award Availability

United:

1. Go to United.com
2. Search flights, check "Award travel"
3. Look for "Saver" awards
4. See availability before transferring

Hyatt:

1. Go to Hyatt.com
2. Search hotel + dates
3. Select "Use Points"
4. See points price immediately

Southwest:

1. Go to Southwest.com
2. Search flights normally
3. See points price (automatically shown)

Pro tip: ALWAYS search award availability BEFORE transferring points. Transfers are instant but irreversible.

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Optimal Transfer Ratios

Best value (1.8¢+ per point):

• World of Hyatt: 1.8-2.5¢ average
• Singapore Airlines business/first: 2.0-8.0¢
• Virgin Atlantic business: 2.5-6.0¢

Good value (1.5-1.8¢ per point):

• United international: 1.5-2.0¢
• Southwest with Companion Pass: 1.5-3.0¢
• Air France-KLM promos: 1.5-3.7¢

Okay value (1.2-1.5¢ per point):

• United domestic: 1.2-1.5¢
• Southwest regular: 1.4-1.6¢
• JetBlue: 1.3-1.5¢

Poor value (under 1.2¢ per point):

• IHG: 0.5-1.0¢
• Marriott: 0.5-1.0¢
• British Airways with fuel surcharges: 0.5-1.0¢

Verdict: Aim for 1.5¢+ per point. Use portal if you can't beat 1.5¢.

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Real Redemption Examples

Example 1: Family Trip to Hawaii

Trip: Los Angeles to Maui, 7 nights, family of 4

Option A: Portal Booking

• Flights: $2,000 (4 people)
• Hotel: $2,800 (7 nights at $400/night)
• Total: $4,800 = 320,000 Chase points (at 1.5¢)

Option B: Transfer Partners

• Flights: Southwest 50,000 points × 2 adults = 100,000 points (kids fly free with Companion Pass)
• Hotel: Hyatt Regency Maui 15,000 points/night × 7 = 105,000 points
• Total: 205,000 Chase points

Savings: 115,000 points saved (36% less)

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Example 2: Honeymoon in Maldives

Trip: Business class flights + luxury resort, 5 nights

Option A: Cash

• Flights: $10,000 (business class)
• Hotel: $5,000 (5 nights at $1,000/night)
• Total: $15,000 cash

Option B: Points

• Flights: Singapore Airlines 95,000 points × 2 = 190,000 points ($10,000 value)
• Hotel: Park Hyatt Maldives 30,000 points × 5 = 150,000 points ($5,000 value)
• Total: 340,000 Chase points = $15,000 value

Value: 4.4¢ per point average

Points needed:

• 340,000 Chase points
• Could earn via 3 Chase Sapphire Preferred bonuses (60K each) + 3 Freedom Flex bonuses + spending

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Example 3: Weekend NYC Getaway

Trip: 2 nights in New York, 2 people

Option A: Portal

• Hotel: $600 (2 nights at $300/night)
• Cost: 40,000 Chase points (at 1.5¢)

Option B: Hyatt

• Hyatt Place Manhattan: 12,000 points/night × 2 = 24,000 points ($600 value)
• Cost: 24,000 Chase points

Savings: 16,000 points (40% less)

Value: 2.5¢ per point

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Frequently Asked Questions

Can I transfer points back to Chase?

No. All transfers are one-way and permanent. Once transferred, you can't get them back.

Always: Search award availability BEFORE transferring.

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How long do transfers take?

Instant (seconds to minutes):

• World of Hyatt
• United
• Southwest
• Air France-KLM
• Virgin Atlantic

1-2 days:

• Singapore Airlines
• British Airways
• Emirates (sometimes)

3-7 days (rare):

• Marriott (sometimes)
• IHG (sometimes)

Pro tip: Transfer early if booking time-sensitive travel.

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Is there a minimum transfer amount?

Yes: 1,000 points minimum for all partners.

Note: You can transfer in 1,000-point increments (1,000, 2,000, 3,000, etc.).

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Should I transfer speculatively?

No. Only transfer when you're ready to book.

Why:

• Transfer partners can devalue
• Award availability can change
• You might find a better use later
• Portal value might improve

Exception: If award space is disappearing and you need to book immediately.

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Bottom Line: Best Transfer Partner Strategy

Our Recommended Approach

For hotels: Always transfer to World of Hyatt

• Best value (1.8-2.5¢ per point)
• Excellent availability
• Consistent redemption value

For domestic US flights: Transfer to Southwest

• Fixed value (1.4-1.6¢)
• Companion Pass potential
• No blackout dates

For international flights: Transfer to United

• Best Star Alliance access
• Good availability
• Reasonable rates to Europe/Asia

For premium cabins: Transfer to Singapore Airlines

• Best business/first class
• Once-in-a-lifetime value
• 5-8¢+ per point possible

For Europe: Monitor Air France-KLM promos

• Monthly deals
• Can save 25-50% points
• Good SkyTeam access

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Quick Decision Tree

Need a hotel?

• Is there a Hyatt? → Transfer to Hyatt
• No Hyatt? → Use Chase portal (1.5¢)

Need a flight?

• Domestic US? → Southwest or United
• International economy? → United or Air France-KLM
• International premium? → Singapore Airlines or Virgin Atlantic

Not sure yet?

• DON'T transfer - keep points in Chase
• Research award availability first
• Transfer only when ready to book

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Related Articles

• Ultimate Rewards vs Other Programs
• Chase Sapphire Preferred Review
• How to Maximize Credit Card Rewards
• Chase 5/24 Rule Explained
• Best Travel Credit Cards 2026
• How to Redeem Points for Maximum Value

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*Disclaimer: Award availability, transfer ratios, and redemption values subject to change without notice. Always verify current award pricing before transferring points. Point values shown are estimates based on typical redemptions.*