Quick facts
Time
9-minute read
Cost
a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred account, plus taxes and fees on each award
Potential value
business class to Europe from 60,000 points one way on Aeroplan’s chart, or Hyatt nights from 4,000 Chase points
Best for
anyone with Chase points who wants more than 1 cent per point
TL;DR
- Chase Ultimate Rewards points transfer to 14 partners: 10 airline programs and 4 hotel programs.
- Every partner is 1:1 except World of Hyatt, which is now 4:3, so 1,000 Chase points become 750 Hyatt points.
- You need a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred to transfer. Transfers go in 1,000-point increments and are final.
- The sweet spots worth checking first: Aeroplan’s distance chart for Star Alliance flights, Virgin Atlantic on Air France across the Atlantic, Hyatt’s published award chart (even at 4:3), Aer Lingus Avios via Dublin, and Flying Blue Promo Rewards each month.
- The test is simple: if a transfer doesn’t beat what Chase Travel would give you, which is 1 cent per point, or more with Points Boost, don’t transfer.
Every Chase detail below was checked October 29, 2026 on Chase’s points transfer guide, the Sapphire Preferred benefits page, and Chase’s card pages. Award prices come from each partner’s own published chart, checked the same day. If we couldn’t confirm a detail on an official page, we left it out or say so.
Who can transfer Chase points
Chase says you need one of three cards to move points to partners: the Sapphire Preferred, the Sapphire Reserve, or the Ink Business Preferred. Chase also says you can usually move points between your own Chase card accounts, which is how people pool points from a no-fee Chase card into a card that can transfer. For the business card in that trio, see our Ink Business Preferred review. For the most popular no-fee card to pool from, see our Chase Freedom Unlimited review.
| Card | Annual fee | Public welcome offer (Oct 29, 2026) |
|---|---|---|
| Sapphire Preferred | $95 | 75,000 points after $5,000 in purchases in the first 3 months |
| Sapphire Reserve | $795 ($195 per authorized user) | 100,000 points after $6,000 in purchases in the first 3 months |
| Ink Business Preferred | $95 | 100,000 points after $8,000 in purchases in the first 3 months |
Not sure which one fits? Our Sapphire Preferred review covers the starter pick, and Sapphire Preferred vs Sapphire Reserve explains when the $795 card makes sense.
All 14 Chase transfer partners and ratios
| Partner | Type | Ratio |
|---|---|---|
| Aer Lingus AerClub | Airline | 1:1 |
| Air Canada Aeroplan | Airline | 1:1 |
| Air France-KLM Flying Blue | Airline | 1:1 |
| British Airways Executive Club | Airline | 1:1 |
| Iberia Plus | Airline | 1:1 |
| JetBlue TrueBlue | Airline | 1:1 |
| Singapore Airlines KrisFlyer | Airline | 1:1 |
| Southwest Airlines Rapid Rewards | Airline | 1:1 |
| United MileagePlus | Airline | 1:1 |
| Virgin Atlantic Flying Club | Airline | 1:1 |
| IHG One Rewards | Hotel | 1:1 |
| Marriott Bonvoy | Hotel | 1:1 |
| World of Hyatt | Hotel | 4:3 |
| Wyndham Rewards | Hotel | 1:1 |
Chase’s Sapphire Preferred page says points transfer “to most travel partners at a rate of 1:1” and to World of Hyatt at 4:3. Chase’s Ink Business Preferred page says the 4:3 Hyatt rate applies “starting October 1, 2026.” To compare Chase with Amex, Capital One, Citi, and Bilt side by side, see our credit card transfer partners chart and the hotel transfer partners chart.
How to tell if a transfer is a sweet spot
Chase points are worth 1 cent each when you book through Chase Travel. With Points Boost offers, Chase says they can be worth up to 1.5 cents with the Sapphire Preferred and up to 2 cents with the Sapphire Reserve on select flights and hotels. So a transfer only makes sense when it beats that.
The math:
- Find the cash price of the exact flight or room.
- Subtract any taxes and fees you’d still pay on the award.
- Divide by the number of Chase points you’d need to transfer (not partner points, which matters for Hyatt).
Illustrative example only. A one-way business class seat costs $3,000 in cash. On points it costs 60,000 miles plus $150 in taxes and fees. That’s ($3,000 minus $150) divided by 60,000, or about 4.75 cents per point. If the same seat were 150,000 miles, it would be under 2 cents, and Points Boost might be close.
Our points value calculator does this for you, and How to Use Credit Card Points walks through the basics.
Sweet spot 1: Air Canada Aeroplan’s distance chart
Aeroplan is the most useful Chase airline partner for many travelers because it publishes a distance-based chart and books Air Canada plus Star Alliance partners. The prices below are from Aeroplan’s Flight Reward Chart (dated 2026-08) for “All other partners,” which covers airlines like Lufthansa, SWISS, Austrian, and Brussels Airlines. All prices are one way.
| Route type | Distance | Economy | Business |
|---|---|---|---|
| Within North America | 0 to 500 miles | 6,000 | 15,000 |
| Within North America | 501 to 1,500 miles | 10,000 | 20,000 |
| North America to Europe and beyond (Atlantic zone) | 0 to 4,000 miles | 32,500 | 60,000 |
| North America to Atlantic zone | 4,001 to 6,000 miles | 42,500 | 75,000 |
| North America to Asia and Pacific | 0 to 5,000 miles | 32,500 | 55,000 |
| North America to South America | 0 to 2,500 miles | 20,000 | 40,000 |
Why it’s a sweet spot: a lie-flat seat to Europe on a partner airline at 60,000 or 75,000 points is a fixed price, and many cash business fares across the Atlantic cost thousands of dollars. Aeroplan prices Air Canada and its “Select Partners” (including United) as “starting at” amounts, so those can cost more on busy dates.
Watch out: Aeroplan says “a partner booking fee will apply” when a partner airline is on the ticket, and taxes and third-party charges may apply. Points are “based on the actual distance flown,” so a long connection can push you into a higher band. Our DC to Berlin on points guide shows how that plays out on a real route.
Sweet spot 2: Virgin Atlantic Flying Club on Air France
Virgin Atlantic publishes a zone chart for Air France flights. On its Air France partner page, the one-way long-haul prices between East Coast North America (Zone 6, which includes states from Maine to Florida plus Illinois, Michigan, and others) and Western and Central Europe (Zone 1) are:
| Cabin | Off-peak | Peak |
|---|---|---|
| Economy | 12,000 | 22,000 |
| Premium | 24,000 | 34,000 |
| Business | 48,500 | 58,500 |
From the central and western U.S. (Zone 7), the same trip is 15,000 off-peak in economy and 77,500 off-peak in business.
Why it’s a sweet spot: 48,500 Chase points for business class to Paris and beyond on Air France is among the lowest published prices for that cabin.
Watch out: Virgin’s terms say prices exclude “passenger taxes, duties, fee, charges and surcharges,” so expect a cash bill on top. Rewards can only be booked on Air France operated flights and “up to 300 days before departure.” Check the cash total before you transfer.
Sweet spot 3: World of Hyatt, even at 4:3
Hyatt still publishes a fixed award chart, and that’s why it remains worth checking even though Chase points now convert at 4:3. Since May 20, 2026, Hyatt’s chart on its Free Nights page has five price levels per category. We added the Chase points you’d need to transfer, rounded up to Chase’s 1,000-point increments.
| Category | Hyatt points (Lowest to Top) | Chase points needed (Lowest) | Chase points needed (Top) |
|---|---|---|---|
| 1 | 3,000 to 9,000 | 4,000 | 12,000 |
| 2 | 6,000 to 15,000 | 8,000 | 20,000 |
| 3 | 8,000 to 20,000 | 11,000 | 27,000 |
| 4 | 12,000 to 25,000 | 16,000 | 34,000 |
| 5 | 15,000 to 35,000 | 20,000 | 47,000 |
| 6 | 20,000 to 40,000 | 27,000 | 54,000 |
| 7 | 25,000 to 55,000 | 34,000 | 74,000 |
| 8 | 35,000 to 75,000 | 47,000 | 100,000 |
Prices are per night for a standard room. Hyatt said in its February 2026 announcement that only “limited hotels” would move “a limited number of nights” into the Upper and Top levels in 2026.
Why it’s still a sweet spot: a Category 1 to 4 hotel on a Lowest or Low night costs 4,000 to 20,000 Chase points, which often beats 1 cent per point at hotels that charge $150 or more a night in cash. Hyatt’s all-inclusive resorts have their own chart; our all-inclusive resorts with points guide covers them.
Watch out: at 4:3, a Hyatt night costs a third more Chase points than it did before. If you also earn Bilt points, read Should You Transfer Bilt Points to Hyatt Before Jan 1, 2027? before you choose which points to move.
Sweet spot 4: Aer Lingus Avios via Dublin
Aer Lingus publishes a route chart for Avios. One way between Dublin and East Coast cities like Boston, Chicago, New York, Newark, Philadelphia, and Washington (Zone 5):
| Cabin | Off-peak | Peak |
|---|---|---|
| Economy | 13,000 | 20,000 |
| Business | 50,000 | 60,000 |
Connecting onward from Dublin is cheap too. In economy, Zone 1 cities like London, Paris, and Amsterdam are 4,000 Avios off-peak, and Zone 2 cities like Barcelona, Berlin, Madrid, Munich, Prague, and Vienna are 6,500 Avios off-peak.
Why it’s a sweet spot: off-peak economy to Europe for 13,000 points, or business for 50,000, is a fixed published price with Chase points at 1:1.
Watch out: taxes and carrier charges are extra, and off-peak dates matter a lot. Price the full cash total before transferring.
Sweet spot 5: Flying Blue Promo Rewards
Flying Blue, the Air France and KLM program, prices most awards by date. Its monthly Promo Rewards are the exception worth watching. Flying Blue says Promo Rewards are “reward tickets with up to a 25% discount” and that new ones are “released on the first day of each month,” so the next list arrives November 1.
Watch out: Flying Blue’s conditions say reward tickets “are subject to airport and security taxes and carrier surcharges,” which you pay in cash. Promo routes change every month, so only transfer once you’ve found a promo seat on your dates.
The other partners: when they’re worth it
- United MileagePlus. United doesn’t publish an award chart, so prices move with demand. United is easy to search, though, and you can compare its price with Aeroplan’s for the same United or Star Alliance flight before transferring.
- Southwest Rapid Rewards. Useful if you fly Southwest, but award prices track cash fares. Southwest’s Companion Pass rules don’t list bank point transfers as qualifying, as we explain in our Southwest Companion Pass guide.
- British Airways, Iberia, JetBlue, Singapore KrisFlyer. Each can be useful for specific routes. Price the award and the cash total on the partner’s site before moving points.
- IHG, Marriott, and Wyndham. Compare the points price with the cash rate using the math above. If the result is near or below 1 cent per Chase point, Chase Travel or Points Boost is usually simpler.
For a beginner-friendly look at which airline programs to learn first, see Best Airline Miles for Beginners.
How to transfer Chase points, step by step
From Chase’s transfer guide:
- Find award space first. Search the partner’s site and confirm the seat or room is bookable. Chase suggests checking availability before you move points.
- Make sure your names match. Chase says the name on your Chase account must match the name on the partner account, and “even minor variations could result in transfer failure.”
- Log in to Ultimate Rewards on chase.com or the Chase Mobile app and open the transfer section.
- Pick the partner and enter the amount in increments of 1,000 points.
- Confirm, then book on the partner’s site. Chase says many transfers process by the next business day but “may take up to 7 business days.”
Watch Out
Chase says transfers to travel partners “are final.” Once points leave Chase, you can’t move them back.
Mistakes to avoid
- Transferring speculatively. Points sitting in Chase stay flexible. Points in one airline program don’t.
- Ignoring surcharges. Virgin Atlantic, Aer Lingus, and Flying Blue awards can come with cash charges. A low points price with a high cash bill can lose to Chase Travel.
- Forgetting the Hyatt ratio. Divide by Chase points, not Hyatt points, when you do the math.
- Booking peak dates by default. Several charts above have off-peak or Lowest prices that are much cheaper. Flexible dates are where the sweet spots live.
FAQ
What are Chase’s transfer partners in 2026?
Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways, Iberia, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG One Rewards, Marriott Bonvoy, World of Hyatt, and Wyndham Rewards, per Chase’s pages on October 29, 2026.
Is the Chase to Hyatt transfer still 1:1?
No. Chase’s pages now list World of Hyatt at 4:3, so 1,000 Chase points become 750 Hyatt points. The Ink Business Preferred page says this started October 1, 2026.
Which Chase cards can transfer points?
The Sapphire Preferred, Sapphire Reserve, and Ink Business Preferred, per Chase’s transfer guide.
How long do Chase transfers take?
Chase says many transfers process by the next business day but may take up to 7 business days.
What’s the best use of Chase points?
It depends on your trip. For flights, start with Aeroplan’s chart and Virgin Atlantic on Air France. For hotels, start with Hyatt’s chart. Always compare with Chase Travel at 1 cent per point, or your Points Boost rate.
Have Amex points too? Our Amex Membership Rewards transfer partners guide lists all 20 partners with exact ratios, the U.S. airline transfer fee, and the sweet spots worth checking first.
Bottom line
Bottom Line
Chase points are most valuable when you move them to a partner with a published chart and book a seat or room you’d actually pay for. Aeroplan, Virgin Atlantic on Air France, Hyatt, and Aer Lingus are the first places to look. Do the cents-per-point math, check the cash charges, and only transfer once you’ve found the award.
Don’t have a transferable Chase card yet? Compare options in Best Travel Credit Cards and the current offers in Best Credit Card Welcome Bonuses. New to Chase? Read Why Chase Is Still a Great Place to Start.
Transfer bonuses and Promo Rewards come and go fast. To hear about the good ones each week, join Points & Miles Weekly, our free newsletter.
Would rather buy Avios than transfer points? Read Finnair Is Selling Avios at Up to 50% Off Through Nov. 16, and You Can Move Them to British Airways.
The Points Quest
Points Quest is educational content only, not personalized financial advice. Card offers, fees, transfer partners, and ratios were checked on chase.com and creditcards.chase.com on October 29, 2026. Award prices were checked the same day on Air Canada Aeroplan’s Flight Reward Chart, Virgin Atlantic’s Air France partner page, Aer Lingus’s Avios route chart, World of Hyatt’s Free Nights page, and Flying Blue’s reward pages. All can change at any time, and award availability is never guaranteed. Point values are estimates. Advertiser Disclosure