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Chase Ultimate Rewards Transfer Partners and How To Use Them [2024]

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Aer Lingus AerClub

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Chase Ultimate Rewards points are perhaps the most valuable points out there. Thanks to their flexibility and transfer options, we regularly give Chase Ultimate Rewards one of the best valuations in our monthly valuations . There are plenty of great ways to earn Ultimate Rewards points and even more fun ways to redeem them for award flights and hotel stays.

In this post, we’ll show you all of Chase’s transfer partners, how to transfer Ultimate Rewards to these partners, and much more. After reading our guide, you’ll be ready to book an amazing getaway!

Chase Airline Transfer Partners

The Chase Ultimate Rewards program currently has 11 airline transfer partners — the latest program, Air Canada Aeroplan, was added in August 2021.

Points transfer to all these airlines at a 1:1 ratio, which is one of the reasons Ultimate Rewards points are so valuable.

Major Hub: Dublin (DUB)

Airline Alliance: None, but has airline partners

Aer Lingus is a part of the International Airlines Group (IAG), which also includes British Airways, Iberia, and Qatar Airlines, so you’ve got some flexibility when it comes to how you redeem your Aer Lingus AerClub Avios . That said, its award chart isn’t quite as valuable as many of the other Chase Ultimate Rewards transfer partners.

However, it does offer a couple of solid sweet spots for those looking to travel to The Emerald Isle. On off-peak dates, you can book a one-way ticket from the U.S. East Coast to Dublin for 13,000 Avios in economy or 50,000 Avios in business class.

Major Hubs: Calgary (YYC), Montréal (YUL), Toronto (YYZ), and Vancouver (YVR)

Airline Alliance: Star Alliance

Air Canada Aeroplan is easily one of the best Chase transfer partners for premium cabin award tickets thanks to its lucrative partner award chart .

For instance, you could fly one-way in business class to South America or most European destinations for 60,000 points. If you prefer to fly to Asia in business class, that would be 85,000 points so long as the distance covered is less than 11,000 miles.

Further, Aeroplan can be exceptional for award bookings because of its low taxes and fees on many partner tickets, and you can add a stopover on any itinerary for just 5,000 more points.

Major Hubs: Paris (CDG), Amsterdam (AMS)

Airline Alliance: SkyTeam

Another excellent option for economy and business class tickets between the U.S. and Europe is the Flying Blue program . Redemption rates are already quite reasonable, with solid award availability as well. You can often find one-way economy tickets to Europe for as low as 22,500 miles and one-way business class tickets for 56,500 miles.

While those rates are decent on their own, the Flying Blue program offers Promo Rewards each month that can drop the award ticket price for select routes by 25% to 50%, allowing you to get stellar value out of Flying Blue miles.

Major Hubs: London Heathrow (LHR), London Gatwick (LGW)

Airline Alliance: Oneworld

British Airways Executive Club gets a lot of flack in the points in miles community due to the large fuel surcharges for both economy and business class tickets between the U.S. and Europe. However, British Airways Avios can be incredibly useful for short-haul tickets that can often be relatively expensive.

For instance, U.S. domestic nonstop flights under 1,150 miles on American Airlines and Alaska Airlines cost just 9,000 Avios in each direction, along with low taxes of just $5.60. This can take you between destinations like New York and Miami, Chicago and Houston, or Seattle and Los Angeles.

Major Hub: Dubai (DXB)

While Emirates Skywards offers some of the most sought-after award redemptions for business and first class on its signature A380, and more recently its game-changer first class on the 777 , the airline has also gone through a recent string of devaluations that have made this award more expensive through higher fuel surcharges .

Fortunately, one great sweet spot remains that allows you to fly Emirates’ fifth freedom routes between the U.S. and Athens or Milan, for 85,000 miles in first class one-way, or an incredible 90,000 miles round-trip in business class, with significantly lower taxes and fees.

Major Hub: Madrid (MAD)

Another entry into the Avios family is Iberia Plus . Unsurprisingly, its award program has a decent amount of overlap with the others, but its award pricing between the U.S. and Spain presents an incredibly sweet spot for award travelers.

It’s common to see many U.S. carriers charge 30,000 points to fly between the U.S. and Europe in economy class, but Iberia charges just 34,000 Avios to fly between the U.S. and Madrid in business class on off-peak dates — one of the cheapest ways to get across the pond in business class.

Major Hubs: New York (JFK), Boston (BOS)

JetBlue is a low-cost U.S. carrier that is known for its great inflight product both in economy and its Mint business class seats.

However, since its TrueBlue loyalty program ties award redemptions to the cash cost of the ticket, you’ll usually receive just 1.1 cents per point towards Mint redemptions , and 1.3 to 1.4 cents per point on economy tickets.

This can be a better deal than booking through the Chase Travel portal for Chase Sapphire Preferred cardholders with a 1.25 cent per point redemption rate, but a poor choice for Chase Sapphire Reserve cardholders with a 1.5 cent per point redemption rate. That said, you can often get much more value out of your Chase Ultimate Rewards points using other transfer partners.

Major Hub: Singapore (SIN)

While you might overlook Singapore Airlines KrisFlyer as an option for domestic travel, as a Star Alliance partner it offers great award pricing on domestic United flights, including 17,500 miles for flights between the U.S. mainland and Hawaii, and 27,500 miles for flights between the U.S. and Europe.

Singapore miles are also your only option if you want to book a highly sought-after ticket in Singapore Suites class between the U.S. and Singapore or its fifth freedom route between the U.S. and Frankfurt.

Major Hubs: Atlanta (ATL), Baltimore (BWI), Chicago (MDW), Dallas (DAL), Denver (DEN), Houston (HOU), Las Vegas (LAS), Los Angeles (LAX), Oakland (OAK), Orlando (MCO), Phoenix (PHX)

Airline Alliance: None

Southwest is the world’s largest low-cost carrier with an award program in Rapid Rewards that’s similar to JetBlue in that it operates on fixed value redemptions, allowing you to usually get between 1.3 to 1.4 cents per point on your redemption that is tied to the cash cost of the ticket.

Since you can often get much more value out of your Chase Ultimate Rewards points than this, we generally advise against transferring to Southwest. However, one sweet spot is for those who have the Southwest Companion Pass , as your redemption value doubles on tickets where your companion flies with you for free.

Major Hubs: Chicago (ORD), Denver (DEN), Houston (IAH), Los Angeles (LAX), Newark (EWR), San Francisco (SFO), Washington DC (IAD)

In addition to being one of the most well-known Chase transfer partners for U.S. flyers, United MileagePlus also benefits from being able to book award travel on fellow Star Alliance airlines with low taxes and fees. In terms of booking tickets on its own metal, now that United has moved to dynamic pricing, getting outsized value using its currency isn’t quite as easy as it once was.

However, it does offer the incredibly valuable United Excursionist Perk , which allows you to tack on a free one-way flight on round-trip bookings for no added miles, so long as the flight is within the same region. For example, you could fly from the U.S. to Istanbul, Istanbul to London, and London back to the U.S., and your Istanbul to London leg (a 4-hour flight covering 1,500 miles) costs no added miles.

Major Hub: London Heathrow (LHR), Manchester (MAN)

The second largest carrier based out of the U.K., Virgin Atlantic doesn’t participate in an airline alliance but offers several great partnerships that award travelers can take advantage of.

One of which is booking Delta One business class awards between the U.S. and Europe for just 50,000 miles one-way, which is far less than what Delta would charge using its own miles to book these awards. You can also book ANA first class awards between the U.S. and Japan for as low as 55,000 miles one-way.

Chase Hotel Transfer Partners

Ultimate Rewards can also be transferred to 3 hotel rewards programs. Like Chase’s airline partners, all transfers to hotel partners occur at a 1:1 ratio.

Headquarters: Denham, England

Number of Properties: ~6,000

The IHG One Rewards program recently went through a revamp, but as a dynamically-priced program, it seldom makes sense to transfer your Chase Ultimate Rewards points.

For instance, we value IHG One Rewards points at 0.5 cents per point, so any redemptions above that level are generally considered to be a good value. Given that, it wouldn’t make sense to transfer Chase Ultimate Rewards points, which are worth a minimum of 1.25 cents per point through the Chase Travel portal, to a program where getting half of that value would be considered a good deal.

Headquarters: Bethesda, Maryland

Number of Properties: ~8,500

As with IHG, we seldom advise against transferring your hard-earned Chase Ultimate Rewards points to Marriott Bonvoy where nights at top-tier hotels can cost upwards of 85,000 to 100,000 points per night. Not only is it fairly easy to get more value out of other Chase partners, but you’ll also find that you’d likely be better off booking a Marriott hotel through the Chase Travel portal than transferring to Marriott directly.

Headquarters: Chicago, Illinois

Number of Properties: ~1,200

If you thought Hyatt would be similar to the other 2 hotel programs, think again. The World of Hyatt program is one of the best Chase Ultimate Rewards transfer partners and a darling in the points of miles community thanks to the value its award chart offers.

While the program recently went through a devaluation with the addition of peak pricing, even the most expensive award nights in the portfolio don’t exceed 45,000 points per night. This means you can book free nights at top-tier Hyatt hotels for roughly half of what programs like Marriott and Hilton often charge for similar hotels.

Hot Tip: Use our transfer partner tool to see how many points you’ll get when you transfer your Chase Ultimate Rewards to partner airlines and hotels!

Earning Ultimate Rewards

With several Chase card options available, there are ample opportunities to earn Ultimate Rewards points  that can help you book your next trip.

Recommended Chase Cards (Personal)

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

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Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
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Chase Freedom Unlimited ®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases
• No annual fee
• Earn big on travel purchased through Chase Travel
• Everyday bonus on dining and drugstores
• Straightforward cash-back on all other purchases
• Ability to pool points
• 3% foreign transaction fee
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• Excellent cell phone insurance
• Mastercard World Elite benefits
• 3% foreign transaction fees in U.S. dollars
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards ® , our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
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Business owner? See our list of the best Chase business credit cards .

You can also shop through the Shop through Chase portal to earn extra Ultimate Rewards points when making purchases online. This is an easy way to boost your earnings on purchases you would make anyway.

Once you have some Ultimate Rewards points and are ready to transfer them to a partner to book your next big vacation, here are the simple steps to make the transfer process easy.

Step 1: After logging into the Ultimate Rewards site , select the appropriate card. If you want to transfer points, you will need to select a premium Ultimate Rewards card with an annual fee — these include the Chase Sapphire Reserve card , Chase Sapphire Preferred card , and the Ink Business Preferred ® Credit Card . You can combine Ultimate Rewards points under your chosen card from others that don’t have annual fees.

Step 2:  Select Transfer to Travel Partners under the Earn / Use drop-down menu.

Step 3:  Choose your desired airline and select Transfer Points .

You can also select from Chase’s hotel partners using the same steps.

Step 4:  If you haven’t already added your frequent flyer number or hotel rewards number, you will be prompted to do so.

Step 5:  Once you have linked your airline or hotel account to your Ultimate Rewards account, choose how many points you would like to transfer. Transfers must be done in increments of 1,000.

Step 6: Confirm the number of points you’re transferring and complete to transfer.

Step 7:  Head over to the appropriate airline or hotel program’s website to book your award flight or award stay.

Booking Travel With the Chase Travel Portal

Sometimes, making your flight or hotel booking through the Chase travel portal can make a lot of sense. With the Chase travel portal, the points needed for specific redemption are tied to the cash cost. So, if a flight or hotel stay is relatively inexpensive, to the point where the point cost ends up being less than going through a transfer partner, then the Chase travel portal is a perfect option.

If you have the Chase Sapphire Reserve card, each Ultimate Rewards point is worth 1.5 cents when booking through the portal. If you have a Chase Sapphire Preferred card or Ink Business Preferred card, each point is worth 1.25 cents when booking with the Chase travel portal.

Similar to the transfer process, you simply select Travel under the Earn / Use Points drop-down menu.

Check out an example of a travel portal booking below:

This round-trip economy class booking with Star Alliance airline United from San Francisco (SFO) to Honolulu (HNL) costs as few as 7,900 Ultimate Rewards points.

Let’s think about the booking discussed above. If you were to book this same itinerary by transferring the points to Chase partner United Airlines, it would cost 12,500 miles. In this case, booking through the portal would be a much better deal.

Bottom Line: To ensure you get the most out of your points, it’s important to check both the portal and transfer options when searching for flights.

The Chase travel portal allows you to book hotels at the same 1.5 cents per point for cardholders of the Chase Sapphire Reserve card or 1.25 cents per point with the Chase Sapphire Preferred card or Ink Business Preferred card.

You can also redeem your points for gift cards to merchants including Airbnb , Lowe’s, Home Depot , and Amazon . Additionally, you can redeem your points for statement credits. Unfortunately, these options are a very poor use of points in terms of value, and we do not recommend them!

Combining Ultimate Rewards from your different Chase accounts is a simple process. In the menu bar, you will see the points you have earned on your selected card. If you hover over the points available, you will see a drop-down menu of your cards and the available points from each.

Select Combine Points to consolidate your points under a single card. If you have the Chase Sapphire Reserve card, keep your Ultimate Rewards points there since they’ll be worth a minimum of 1.5 cents each.

Hot Tip: You can also combine points with 1 other household member . This is a great way to pool points with your significant other for a great redemption. 

Using your Ultimate Rewards points for travel is the best way to get the most value out of them. With multiple transfer partners and countless ways to redeem points for travel, it can be overwhelming!

We’ve compiled multiple lists of the best ways to use your Chase Ultimate Rewards for some incredible travel experiences. See below:

• The Best Ways To Use Ultimate Rewards Points
• The Best Ways To Use 10,000 (Or Fewer) Chase Ultimate Rewards Points
• The Best Ways To Use 100,000 Ultimate Rewards Points

The Chase Ultimate Rewards program should be a staple in your points-earning strategy. If you are just starting your miles and points journey, we recommend earning Ultimate Rewards initially. Check out our Beginner’s Guide to get started on the right track.

Chase Ultimate Rewards points are easy to earn, easy to redeem, and can get you excellent value when you use them properly. Before you know it, you’ll be taking a trip of a lifetime … and then doing it again!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What airlines can chase ultimate rewards points be used for.

There are multiple airline and hotel partners that you’re able to transfer your Ultimate Rewards points to. Refer to our table in this post for the most up-to-date transfer partners!

Can you transfer Chase Ultimate Rewards to another person?

You can transfer your Chase Ultimate Rewards to another person as long as they are a member of your household.

Can you transfer points between Chase credit cards?

Yes, but only to another Chase card that earns Ultimate Rewards points belonging to you or 1 member of your household.

Can you transfer points from an airline to Chase Ultimate Rewards points?

You cannot transfer miles or points from an airline to Chase Ultimate Rewards points. You also cannot get back any Ultimate Rewards points that you have already transferred to an airline partner — all transfers are final.

Do Ultimate Rewards points expire?

Your Ultimate Rewards points will not expire as long as your account remains open and in good standing.

How much are Ultimate Rewards points worth?

Generally, your Ultimate Rewards points will be worth 1 cent toward cash-back, 1.25 to 1.5 cents through the Ultimate Rewards travel portal (depending on which card you hold), or 2+ cents for redemptions made through transfer partners.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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1:1 point transfer.

Are you a member of a frequent travel program? With Chase Sapphire Preferred ® , you can transfer your points to leading frequent travel programs at 1 to 1 value.

Airline Travel Partners

• Aer Lingus, AerClub
• Air Canada Aeroplan
• British Airways Executive Club
• Emirates Skywards ®
• Flying Blue AIR FRANCE KLM
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards ®
• United MileagePlus ®
• Virgin Atlantic Flying Club

Hotel Travel Partners

• IHG ® Rewards Club
• Marriott Bonvoy ®
• World of Hyatt ®

Partner benefits

Earn more points.

Earn 5x points on Lyft rides through March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

Instacart+ Subscription

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+. * Opens offer details overlay Activate by July 31, 2024. Plus, Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay Membership auto-renews.

DashPass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024. * Opens offer details overlay

Earn 5x total points on Peloton equipment and accessory purchases over $150 with a max earn of 25,000 total points now through Mar. 31, 2025. * Opens offer details overlay

Travel & purchase coverage

Travel confidently, trip cancellation/interruption insurance.

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. ** Same page link to disclaimer

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. ** Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days. ** Same page link to disclaimer

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ** Same page link to disclaimer

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ** Same page link to disclaimer

Shop with confidence

Purchase protection.

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. ** Same page link to disclaimer

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

24/7 Access to a Customer Service Specialist

Enjoy 24/7 access to a customer service specialist from virtually anywhere in the world. photo by: Lillian Lin

Apply for a card, use it the same day

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

For more information, please visit chase.com/mychaseplan Opens in a new window .

$300 Travel Credit

Merchants in this category include airlines, hotels, motels, timeshares, car rentals agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category. * Opens offer details overlay

Reserve Partner Value Modal

Lyft Pink Membership

Get 2 complimentary years of Lyft Pink All Access when activated by Dec. 31, 2024 —a value of $199 /year. This includes 10% off Lux rides, free Priority Pickup upgrades discounts on bikeshare and more. Membership auto-renews. * Opens offer details overlay You'll also earn 10x total points on Lyft rides through March 2025. * Opens offer details overlay

DoorDash DashPass Subscription

Get a complimentary access to DashPass - a membership for both DoorDash and Caviar —a value of $120 for 12 months - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of 12 months when you activate by Dec 31, 2024. * Opens offer details overlay

Monthly DoorDash Credit

Get $5 in DoorDash credits each month through Dec 31, 2024, redeemed at checkout. * Opens offer details overlay

Instacart Membership

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+ —a value of $99 /year. Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Monthly Instacart Credit

Instacart+ members earn up to $15 in statement credits each month through July 2024. * Opens offer details overlay

Priority Pass Select Membership

Enjoy a complimentary Priority Pass Select membership at 1,300+ VIP airport lounges worldwide —a value of $469 /year. * Opens offer details overlay

The Edit SM

Book through The Edit SM and discover a curated collection of inspired stays with cardmember benefits including daily breakfast for two, a $100 property credit, room upgrades (upon availability) and more. * Opens offer details overlay

10x on Peloton Purchases

Earn 10x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. * Opens offer details overlay That's $150 when you purchase a Peloton Bike and redeem for cash.

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar —a value of $96/year - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2024. * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+ —a value of $60 value . Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Quarterly Instacart Credit

Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay

5x on Peloton Purchases

Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. That's $75 when you purchase a Peloton Bike and redeem for cash. * Opens offer details overlay

5x total points on Lyft

Earn 5x total points on Lyft rides through  March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

Offer Details

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

60,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

$50 Annual Chase Travel Hotel Credit: A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through Chase Travel, up to an annual maximum accumulation of $50. Annual means the year beginning with your account open date through the first statement date after your account anniversary, and the 12 monthly billing cycles after that each year. Annually, the first $50 in Chase Travel hotel purchases will not earn rewards points. Statement credit(s) will appear on your monthly credit card billing statement within 1-2 billing cycles after your purchase posts to your account.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Preferred rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Preferred credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: hotel accommodation purchases through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 2 points ("2X points") on travel purchases: You'll earn 2 points for each $1 spent on purchases made in the travel category. 5 points ("5X points") on Chase Travel purchases: You'll earn 5 points total for each $1 spent on purchases made using your card through Chase Travel (3 additional points on top of the 2 points earned on each purchase in the travel category). Any hotel accommodation purchases made using your card through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, won't earn points. "$50 Annual Chase Travel Hotel Credit" means the statement credit that is automatically applied to your account annually on hotel accommodation purchases made using your card through Chase Travel, up to an annual maximum accumulation of $50. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 3 points ("3X points"): You'll earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery (excluding Target ® , Walmart ® and wholesale clubs). 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. 10% anniversary points bonus: Each account anniversary year, you'll earn bonus points that equal 10% of your total spend in points from purchases made with your credit card during the previous account anniversary year at a rate of 1 point for each $1 spent. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 5 total points ("5X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 3 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "5X" in marketing materials to refer to the 3 points in addition to the 2 points earned on travel purchases (see above). The additional 3 points will appear on your billing statement in a separate line from the 2 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

25% More Through Chase Ultimate Rewards: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 60,000 points are worth $750 when redeemed for travel purchases, or $600 when redeemed for cash. If you choose to use points and your Chase Sapphire Preferred credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

My Chase Plan Eligible Purchase: An eligible purchase transaction for My Chase Plan is a purchase of at least $100, but may not include certain transactions, such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App.

Complimentary DashPass: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a Chase Sapphire Preferred card by 12/31/2024. Membership period for all users on this Chase Sapphire account will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same login credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their Chase Sapphire card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may still apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Your Chase Sapphire account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 6 months (for Chase Sapphire Preferred and Chase Sapphire cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

Statement Credit on Instacart Purchases: Earn up to $15 per calendar quarter (for Chase Sapphire Preferred and Chase Sapphire cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/chase with your eligible Chase credit card. Calendar quarters are Jan – March, April – June, July – September, October – December, and the partial calendar quarters at the beginning and end of the promotional period. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Sapphire Preferred credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar quarter in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account.

Earn 10 or 5 total points ("10X or 5X total points") on Peloton equipment and accessory purchases through 03/31/2025: You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton from 02/01/2023 through 03/31/2025. That's 9 (Sapphire Reserve or J.P. Morgan Reserve) or 4 (Sapphire Preferred) points on top of the 1 point you already earn on these purchases with your card. Only purchases made directly through Peloton – through onepeloton.com , over the phone, or in a Peloton showroom – are eligible. Purchases made outside the U.S. are not eligible. Gift cards, and apparel are not eligible. Points earned on the purchase of Peloton equipment and accessory purchases will be deducted from the cardmember's account if the order is cancelled or returned. Purchases must post to your account by the last day of the promotional period to qualify. Sometimes your card will be charged on a date after you make a purchase, such as the shipping date, and as a result the purchase may not post to your account until after the last day of the promotional period. Please allow 6 to 8 weeks after qualifying purchases post to your account for points to post to your account. To qualify for this bonus offer, account must be open and not in default at the time of fulfillment. This bonus offer is non-transferable.

Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

Chase Sapphire Preferred Card named "Best All-Purpose Travel Rewards Credit Card" by NerdWallet writers and editors. Source: NerdWallet's "Best-Of Awards 2024," January 2024. NerdWallet is paid a fee for each approved Chase Sapphire Preferred credit card account referred through its site, however NerdWallet editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Chase does not exercise any editorial control over their credit card awards or reviews, the opinions expressed are their own.

Chase Sapphire Preferred voted "Best Travel Rewards Credit Card" by readers of The Points Guy. Source: The TPG Awards, November 2023. The Points Guy is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over TPG credit card reviews.

Chase Sapphire Preferred ranked as "Best Entry-Level Travel Card" by Forbes Advisor. Source: The Forbes Advisor Awards, February 2024. Forbes Advisor is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over Forbes Advisor credit card reviews.

INSTACART ® , the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Sapphire Preferred credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

You're now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Chase transfer partners: How to get the best value

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Chase Ultimate Rewards credit cards are among the most popular rewards cards on the market, and it’s easy to see why — they’re incredibly flexible. Some of the ways you can redeem points include cash back, gift cards, merchandise, experiences or travel through the Chase Ultimate Rewards portal, which includes 1:1 points transfers to popular airline and hotel partners. On top of that, some premium Chase travel cards boost your points value by 25 to 50 percent when you redeem points through the Chase travel portal .

If you’re looking to increase the value of Chase Ultimate Rewards points, transferring your points to a Chase travel partner is the way to go. In this guide, we’ll cover the top Chase cards that allow points transfers to airlines and hotels, how to redeem points for travel purchases and how to evaluate Chase’s various transfer partners to ensure you’re maximizing your points value.

Top Chase rewards credit cards

Each Chase rewards credit card allows you to use points to book travel through the Chase portal, but some cards earn more than 1 cent in value for each point you redeem. This chart shows which cards net more value for your rewards when you redeem for travel:

How to redeem Chase Ultimate Rewards points

Chase Ultimate Rewards points can be redeemed for:

• Travel purchases like flights, hotels, rental cars and more
• 1:1 transfers to airline and hotel partners
• Cash back, statement credits or gift cards
• Merchandise like Amazon, PayPal and Apple purchases
• Chase dining or experiences

How to redeem points for travel purchases

To redeem your rewards for travel through the Chase portal , follow these steps:

• Log in to your Chase credit card account and head to your Chase Ultimate Rewards dashboard.
• From there, click on “Travel” at the top of the screen. You’ll be taken to another page where you can search for flights, hotels, rental cars, activities, vacation rentals and cruises.
• Enter your desired trip information.
• Once you find what you’re looking for, follow the prompts to book the trip. You can book travel with points, cash or a combination of the two.

It’s important to note that, while some cards earn 1 cent per point in value, several offer 25 or 50 percent more value when you book travel with your rewards. However, you’ll only get the 25 or 50 percent boost on the percentage of travel you book with points.

How to redeem points with Chase partners

To transfer your points to a Chase airline or hotel partner, you’ll follow similar steps to those mentioned above:

• Click on “Transfer to Travel Partners.”
• Pick the travel partner you’re interested in.
• Link your desired airline or hotel loyalty program account to your Chase account.
• Transfer your points and follow the prompts to complete your booking.

It should be noted that, once you transfer Chase points to an airline or hotel loyalty program, you cannot transfer those points back to Chase Ultimate Rewards.

How to redeem points in other ways

Like redeeming points for travel or transferring your points to Chase partners, you’ll want to log in to your account and go to your Chase Ultimate Rewards dashboard. Then, you’ll simply select the redemption method you’re interested in, such as “Cash Back,” “Dining” or “Apple” and follow the prompts to redeem your points.

Chase airline transfer partners

Three top travel credit cards from Chase — the Chase Sapphire Preferred Card, Chase Sapphire Reserve and Ink Business Preferred Credit Card — allow you to transfer points at a 1:1 ratio. This means that you can turn Chase Ultimate Rewards points into airline miles or hotel points in increments of 1,000.

Here’s an overview of Chase’s airline partners and some potential strategies you could use to maximize them, based on valuations from Bankrate :

Aer Lingus (Avios)

Aer Lingus Avios are worth around 1.8 cents each, though how you redeem them will determine how much value you get out of your rewards. This transfer partner typically offers exceptional value for flights within the U.K. as well as flights from the eastern U.S.

For example, you may be able to find an off-peak economy award flight from Boston to Dublin, Ireland, for just 13,000 Avios points, or from Dublin to Los Angeles or Miami for just 16,250 Avios points.

Air France/KLM Flying Blue

A ir France/KLM Flying Blue is a popular transfer option for flights from the U.S. to Europe, and that’s especially true for people who don’t mind redeeming miles for an international economy award flight. Air France/KLM Flying Blue miles are typically worth around 1.5 cents each, although redemption values vary.

While Delta is not a transfer partner with Chase, you can redeem miles with Flying Blue to fly back and forth with Delta to various European cities like Paris or Amsterdam. It’s fairly easy to find a flight with plenty of availability for less than 25,000 miles one way.

Air Canada Aeroplan

Chase cardmembers can transfer Ultimate Rewards points to Aeroplan in increments of 1,000 at a 1:1 value. Rewards points are redeemable for any seat on any Air Canada flight and for travel with over 40 airline partners. Plus, with Aeroplan Family Sharing, families can combine points together at no additional charge.

Aeroplan’s Points Predictor Tool helps you plan out your flights based on distance. For instance, with this tool, you can see that an economy flight from Chicago to Toronto would cost between 6,000 and 10,000 points. There are flexible options to pay for all or part of a trip with points, too.

British Airways (Avios)

British Airways uses a distance-based chart that makes it possible to book shorter award flights for fewer points overall. You can also utilize this transfer partner to book flights with oneworld partners like American Airlines.

British Airways Avios are worth around 0.7 cents each, and this program has plenty of sweet spots. For example, a short flight of fewer than 650 miles may set you back as little as 6,000 points in economy.

Emirates Skywards

While Emirates is popular for its flights within the Middle East, you can also use this airline and its partners to fly from major U.S. cities like Chicago and New York to Europe, Africa, Australia and many other destinations worldwide.

Emirates Skywards Miles are typically worth 1.2 cents each, but how you cash them in will ultimately determine their value. Fortunately, it’s easy to use your miles given the wide selection of destinations. For example, you may be able to fly round-trip from Dubai to London with 45,000 miles with an economy Saver award, while a first class Flex award for the same flight may set you back 135,000 Skywards Miles.

Iberia Airlines (Avios)

Iberia Avios are worth approximately 0.9 cents each, and you can use them to fly with Iberia Plus or with partner airlines like American Airlines and British Airways, among others. You may be able to find sweet spots in the Iberia award chart, like off-peak business class flights from Chicago to Madrid for 34,000 Avios, or short trips around the U.S. (flights under 6,000 miles) for just 11,000 Avios one way.

Also note that Iberia Plus has peak and off-peak dates, with off-peak dates offering exceptionally better value for rewards. For example, you’ll stretch your Avios further during most of October or November versus the rest of the year.

JetBlue TrueBlue

JetBlue is another transfer partner that can offer exceptional value, although this airline only flies to select destinations within the U.S., the Caribbean and Central and South America, plus London, England and Vancouver, British Columbia.

There is no specific award chart, but it’s not uncommon to see award flights to destinations in the Caribbean for as little as 15,000 miles one way. While values can vary, JetBlue TrueBlue miles are typically worth 1.3 cents each.

Singapore Airlines KrisFlyer

Singapore Airlines KrisFlyer miles are worth around 1.6 cents each, although values vary. Flight awards typically start at 15,000 KrisFlyer miles (not including airline taxes and fees).

When thinking of ways to use your miles, you may want to consider options like booking an economy award from the West Coast or Europe to Singapore for 70,000 miles one way or from Singapore to the Middle East for 55,000 miles one way.

Southwest Rapid Rewards

Southwest Rapid Rewards is a popular transfer partner for people who want to fly within the U.S. (including Hawaii) or to Central America or the Caribbean. Generally speaking, Southwest Rapid Rewards points are worth around 1.5 cents each. And during one of Southwest’s big sales, it’s not uncommon to see one-way domestic flights for less than 8,000 Southwest Rapid Rewards points.

Southwest lets customers check two bags for free. It also offers one of the best cancellation and rebooking policies of any airline and a fare-based rewards program, which means that lower-priced airfare translates to cheaper award flights.

United Airlines MileagePlus

United miles are worth around 0.9 cents each. You can use them to fly with an array of Star Alliance partners including Lufthansa, ANA, TAP Air Portugal and Turkish Airlines.

While the United MileagePlus program no longer follows a traditional award chart, you may be able to find one-way domestic flights for as little as 12,500 miles or one-way flights to Europe from the U.S. for as little as 30,000 miles.

Virgin Atlantic Flying Club

Virgin Atlantic miles are worth 2.6 cents each, and there are plenty of ways to redeem them for popular routes between the U.S. and Europe or for flights to Asia. For example, you may be able to redeem Virgin Atlantic miles for one-way flights in business class for just 50,000 miles, or for one-way business class flights between the U.S. and Asia for just 60,000 miles.

Standard season award flights usually start at about 20,000 miles (not including airline taxes and fees), and peak-season award flights usually start at roughly 40,000 miles round-trip.

Chase hotel transfer partners

Similar to Chase airline partners, Chase Ultimate Rewards points will vary in value depending on which hotel partner you redeem points with.

IHG One Rewards

IHG One Rewards points are estimated to be worth about 0.7 cents each, so they aren’t one of the better redemption options. Points can be used for InterContinental Hotels Group properties, which range from Holiday Inn Express hotels to Hotel Indigo, InterContinental Hotels and Resorts and even Kimpton Hotels and Resorts. Free nights start at just 10,000 points, and this program promises no blackout dates.

While you can cash in IHG Rewards Club points for free nights at small-town Holiday Inns, you can also use them for all-inclusive resorts in Mexico and the Caribbean or for luxury resorts in the Maldives and Bora Bora. For example, at Holiday Inn Resort Kandooma Maldives, you may be able to find a stay starting at just 45,000 points per night.

Marriott Bonvoy

Marriott Bonvoy includes a wide range of resort brands ranging from Ritz-Carlton properties to Westin Hotels and Resorts. Free nights typically start at just 5,000 points during the off-peak season, although that’s for a Category 1 property. For a Category 8 property, the program’s highest tier, you’ll likely fork over 85,000 to 100,000 points per night.

Marriott Bonvoy points are worth approximately 0.7 cents each, and Marriott also offers its PointSavers program, which lets you book award nights for 20 percent off in select destinations at various times throughout the year.

World of Hyatt

World of Hyatt points are typically worth around 2.3 cents each. This hotel brand has a smaller footprint worldwide than others with large loyalty programs, but you can get significant value from your hotel points and from building loyalty with World of Hyatt.

Free nights at Hyatt properties usually start at just 5,000 points for a Category 1 property, but they can cost up to 40,000 points per night for a standard room in a Category 8 property. However, World of Hyatt is probably most popular for the luxurious resort experiences you can book with very few points. For example, you may be able to book a free night at the Park Hyatt Paris-Vendome for just 30,000 World of Hyatt points.

The bottom line

Transferring your Chase Ultimate Rewards points to a Chase airline or hotel partner is the best way to get the most value out of your points . Depending on the transfer partner and your travel goals, you should be able to get more than 1 cent in value out of your points, making it the most lucrative redemption option. Plus, if you have a premium Chase travel card, you’ll be able to increase the value of your points by 25 to 50 percent when you redeem through the Chase travel portal.

*The information about the Chase Freedom Flex and Chase Freedom Unlimited® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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A complete guide to chase airline and hotel transfer partners: redeem and maximize value.

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If you're looking for a travel credit card that offers ultimate flexibility when it comes to redeeming rewards, you'll want to learn all you can about credit cards that earn Chase Ultimate Rewards points. Points in this program are easy to earn with a range of popular travel credit cards that offer generous sign-up bonuses, lucrative rewards bonus categories and easy-to-use cardholder perks. From there, you can actually cash in your rewards for travel and a range of other options based on your needs.

While redeeming for cash back will only get you one cent per point in value, Chase Ultimate Rewards are worth 1.25 cents each with the Chase Sapphire Preferred® and 1.5 cents each with the card_name when redeemed for travel through Chase. More importantly, Chase Ultimate Rewards points can be transferred to 14 unique Chase airline and hotel partners on a 1:1 basis, which helps you secure an even greater value for each point you redeem.

While there are situations where using your points to book travel through the Chase portal can be a good value, you may get as much as 2 cents per point in value (and often more) if you get the hang of transferring your points to Chase partners instead. This guide will break down the 14 Chase airline and hotel partners and basic details of each program while explaining the ins and outs of transferring points to get maximum value.

Chase Ultimate Rewards transfer partners

Chase transfer partners are easier to understand than some other flexible programs since all points transfer at a 1:1 ratio in increments of 1,000. This means you can turn 1,000 Chase points into 1,000 airline miles or 1,000 hotel points with any of the programs below.

Here's a listing of all the Chase transfer partners you gain access to with the right Chase credit card:

Chase airline partners:

Aer Lingus AerClub

Air canada aeroplan, air france (flying blue), british airways executive club, emirates skywards, iberia plus, jetblue trueblue, singapore airlines krisflyer, southwest airlines rapid rewards, united mileageplus, virgin atlantic flying club.

Chase hotel partners:

IHG One Rewards

Marriott bonvoy, world of hyatt, airline transfer partners.

Here's a summary of each Chase airline partner you can use and an overview of how their programs work.

Aer Lingus AerClub offers a travel rewards currency called Avios, which you can use to book award flights from the United States to Europe and elsewhere. While not officially part of the oneworld alliance, this program can be used to fly with partner airlines like British Airways and Iberia as well, paving the way for even more redemption options.

While awards vary with the program, you may be able to use as little as 4,000 Avios to fly from Dublin, Ireland to Paris, France, or as little as 16,250 Avios to fly from San Francisco, California to Dublin, Ireland in either direction.

Because Aer Lingus bases awards on zones that are roughly built around the distance you're flying, you'll need to fork over more Avios for long haul flights.

Chase added Air Canada Aeroplan as a transfer partner in 2021, and this makes it the newest transfer partner Chase cardholders have access to. This airline is a Star Alliance partner, which makes it part of a program that includes 26 airlines in total. Star alliance airlines fly to more than 1,200 destinations across 184 different countries as well, so you can use miles in this program to fly almost anywhere you want to go.

The Air Canada Aeroplan program is also one of the few remaining airlines that offers an award chart for its flight program. When you check it out, you can quickly find some travel sweet spots you could utilize.

For example, you can use 15,000 to 35,000 Aeroplan points for an economy award flight up to 2,000 miles in distance on Emirates. Also, you can fly from the east coast of the U.S. to Europe in business class for as little as 60,000 points each way.

Air France / Flying Blue is one of the best programs to get from the U.S. to Europe and back, and that's even true for families and groups. This program frequently features one-way economy flights from the U.S. to Europe for as little as 20,000 miles one way, and you can also find one-way business class flights to Europe for as little as 55,000 miles with reasonable taxes and fees. Best of all, it's not overly difficult to find four award flights for the same price on a single itinerary.

This program is also part of the SkyTeam alliance, so you can use your miles to book awards with partners like Delta Air Lines and KLM.

British Airways is another airline loyalty program that uses Avios, and you can use these points to fly with British Airways, Iberia, American Airlines and other oneworld partners. Award flights in this program start at 50,000 Avios for travel from the U.S. to London, and you can explore other destinations in Europe starting from London for as little as 18,500 Avios one-way.

Because British Airways is known for charging exorbitant fuel surcharges on award flights, this partner is best utilized for awards with American or Alaska Airlines. For example, you can fork over as little as 9,000 Avios one-way to fly economy from Miami, Florida to the Caribbean.

The Emirates Skywards program lets you book award flights starting at 15,000 miles. You can also book awards with a combination of cash or miles, and you can use miles to upgrade an economy ticket to a premium cabin.

While most people only think of using Emirates when planning trips to destinations in the Middle East, including Dubai, this carrier actually operates flights all over the world including in the U.S., Europe, Africa, Asia and Europe.

Iberia Plus is a member of the oneworld alliance, and it's another program that uses Avios as their form of airline miles. Not only can you use Avios to book a ticket with this program, but you can use your rewards to upgrade out of economy and into a premium cabin.

This Spain-based frequent flyer program offers a helpful Avios calculator on its website to help you figure out how many Avios you might need for an award ahead of time. With a simple search, you can find that award flights from New York City (JFK) to Barcelona or Madrid start at 34,000 Avios in economy.

JetBlue TrueBlue bases the cost of its awards on the actual cost of flights, which can be both good and bad for your rewards game. Ultimately, the fare-based program makes it so you can score awards for a low number of points when prices are low, but that you'll have to fork over more points during peak travel times or any time prices for flights are on the high side.

That said, there are definitely some deals to be had with the JetBlue TrueBlue program if you're willing to fly any day of the week and flexible with when you travel during the year.

As an example, we found award flights from Fort Lauderdale, Florida (FLL) to Montego Bay, Jamaica (MBJ) starting at just 5,800 TrueBlue points one-way over dates in June of 2023.

Singapore Airlines KrisFlyer is a Star Alliance partner airline, which means you can use this airline to book awards all over the world. This program bases its award cost on "zones" that are roughly built around the distance flown, and there are plenty of sweet spots.

For example, a one-way Saver award from Singapore (Zone 1) to the U.S. west coast and Canada (Zone 12) starts at 42,000 miles in economy and 107,000 miles in business class, and awards from Singapore to destinations in Europe are similar.

Like the JetBlue TrueBlue program, Southwest Rapid Rewards uses a revenue-based system that bases the cost of their award flights on the cost of airfare. This means you can score cheap flight awards with Southwest when prices are low, but that you'll fork over a boatload of points when prices are high.

However, this airline offers some useful benefits that apply whether you book your flight with cash or points. For example, every passenger gets two checked bags for free on every flight, and the airline doesn't charge any change fees or penalties if you need to change your travel plans. Your points never expire either, and the frequent flyer program doesn't limit award availability or use blackout dates.

United MileagePlus is another Star Alliance member worth looking into whether you fly internationally or you mostly travel close to home. Miles in this program never expire, and you can use them to fly to the more than 1,200 destinations United and its partners fly to.

That said, you'll want to be flexible with your travel dates to maximize this program since many awards (especially on domestic flights) are overpriced when you compare to competing programs. You can also check out their featured awards . This updated list of deals frequently shows one-way domestic awards for as little as 6,600 United miles one-way and international awards from the U.S. to the Caribbean starting at 19,000 miles.

Virgin Atlantic just joined the SkyTeam airline alliance in March of 2023, so it just became a lot easier to use this partner to book awards. Not only can you use your miles to book flights with Virgin Atlantic, but the new alliance partnership opened the door to award bookings with Air France (Flying Blue), Delta and KLM, among other partners.

Like some other frequent flyer programs, Virgin Atlantic offers an award calculator on its website that helps you estimate how many miles you'll need.

Hotel transfer partners

Chase Ultimate Rewards also has three hotel transfer partners you can look into. Here's a rundown of each hotel loyalty program you can transfer Chase points to and how they work.

The IHG One Rewards program lets you book award nights at more than 6,000 properties across 18 different hotel brands in destinations around the world. Free night awards start at 5,000 points, but you can also use a combination of points and cash to book an award. Just keep in mind that mid-tier to luxury properties will likely run you 50,000 points to 100,000 points per night or more.

The screenshot below shows the different price points for award nights in Paris, France this upcoming fall:

Keep in mind that IHG One Rewards points are considerably less valuable than Chase points, so you'll want to transfer your Chase points to this hotel program sparingly. For example, you can consider transferring a few thousand points if you're just short of a redemption, or if you only need 5,000 points to book an award at one of the brand's lowest tier properties.

The Marriott Bonvoy program offers more than 8,000 hotels in 139 countries and territories around the world, so this program is worth considering if you want maximum flexibility in terms of where you use your rewards points. While the hotel brand eliminated its award categories in 2022, free nights at lower-tier and mid-tier hotels tend to start at around 20,000 points, while top-tier luxury hotels can cost as much as 100,000 Marriott Bonvoy points or more.

Like with the IHG One Rewards program, you should know that Marriott points aren't nearly as valuable as Chase points. This means you'll want to transfer points to this program sparingly, and only when you have no other option.

This hotel program only includes 1,350 hotels and resorts in 69 different countries across six continents, so it has a smaller footprint than most of its competitors. Still, World of Hyatt is by far the most lucrative hotel loyalty program you can transfer Chase points to, and it's easy to explain why. Essentially, hotels in this program cost fewer points than competing hotel loyalty programs require, and this makes every point you earn or redeem much more valuable.

As an example, you can book a stay at a Hyatt all-inclusive property with double occupancy for as little as 12,000 points per night during off-peak dates. You can even book luxury hotels like the Park Hyatt Maldives Hadahaa for as little as 25,000 World of Hyatt points per night or the Andaz Maui at Wailea Resort for as little as 35,000 points per night.

During our search, we found award availability for the Andaz Maui at Wailea Resort in an 850-square foot Andaz Suite for just 56,000 points per night when the cash rate for the room came in at $1,581.

Considering this redemption gets you almost 3 cents per point in value, that's a pretty "suite" deal.

When should you transfer points?

We noted already that there are times to transfer your points and situations where you'll want to book an award a different way. At the end of the day, maximizing your Chase points boils down to assessing all the available redemption options for the travel you want, then comparing them based on the number of points you'll actually need to make a booking.

Here are some situations where you should absolutely transfer your points when you have the option.

Transfer your points when the booking sets you back fewer points overall

You'll always want to book travel for fewer points overall, and this is often accomplished through point transfers. Let's take the Andaz Maui at Wailea Resort booking example above and compare how much you would pay for a similar booking if you used Chase points to pay instead.

While you can book an Andaz Suite for 56,000 points on select travel dates, the cash price for this booking comes in at $1,581. In the meantime, booking with the Chase Sapphire Reserve® gets you 1.5 cents per point in value through the portal. This means that, on average, booking through Chase would require you to fork over approximately 105,000 points for the same booking.

In this case, you're much better off transferring your points to World of Hyatt and booking the same room for half the cost (in points).

Transfer points to book airfare in a premium cabin

If you're planning to book an award in a premium cabin, it is almost always a better deal to transfer your points to an airline partner first. After all, some (but not all) frequent flyer programs offer solid deals on business class flights when you're flexible with your booking dates, so you can save some points if you find the availability you want.

Consider this one-way business class award fare on Air France / Flying Blue, which takes you from New York City (JFK) to Paris, France (CDG) in a lie-flat business class seat for 55,000 miles plus $202.10.

If you paid in cash, this same flight would cost you approximately $3,581.20.

After subtracting the $202.10 in airline taxes and fees you would pay to book directly with Air France / Flying Blue, you can easily see that your 55,000 miles are worth more than 6 cents each with this award flight.

In this scenario, transferring your points is a no-brainer.

Transfer your points to "top up" your account for a redemption

While some rewards currencies are worth less than others, it can still make sense to transfer to a program if you're just short of the points you need for a redemption. If you want to book a IHG One Rewards hotel for 30,000 points per night and you only have 27,000 points in your IHG account, for example, moving 3,000 Chase Ultimate Rewards points can make sense regardless of the point values.

And really, this is one of the main reasons to have transferable points in the first place. After all, you may also be earning travel rewards by flying or staying in hotels, or with any number of hotel credit cards and airline credit cards. By having flexible rewards points at your disposal, you have more flexibility and a better chance at reaching your travel goals.

How to transfer Chase Ultimate Rewards points to partners in 5 steps

The first step to transferring your Chase points to partners is making sure you have one of the eligible credit cards from this card issuer. Once you sign up for the right Chase card, you can create an online account and transfer your points to partners using the following steps.

Step 1: Log into your Chase account

Log into your account at Chase.com to begin the process.

Step 2: Select Chase Ultimate Rewards

Click toward the right of your account management page where it shows your Chase Ultimate Rewards points.

Step 3: Click near the top of the page where it says "Earn/Use" to see your redemption options and click on "Transfer to Travel Partners"

If you have a Chase card that allows point transfers, this option will show up in your account.

Step 4: Choose your transfer partner

At this point, you'll be shown a selection of all the Chase transfer partners, including saved accounts you have where you already entered your information.

Step 5: Enter your information to complete the transfer

If you already have your information saved with a Chase transfer partner, you can pick your option and transfer your Chase points in increments of 1,000. If you haven't used a specific partner yet, you can prepare to transfer by entering your loyalty account number and your name.

At that point, you'll be allowed to transfer your Chase points to airlines and hotels. Just keep in mind that you can only move your Chase points to loyalty accounts in your name or the name of an authorized user on your Chase credit card.

Chase Ultimate Rewards credit cards

The good news about Chase Ultimate Rewards is the fact that you can earn these points with several different credit cards. That said, it's worth noting that you can also earn rewards with cash back credit cards like the card_name and the Chase Freedom Flex then pool them in your Chase travel card account for better redemption options.

Chase credit cards that let you earn points that transfer to Chase airline and hotel partners on their own include the following:

Chase transfer rules to know about

• You can transfer Chase Ultimate Rewards points to airline and hotel partners in increments of 1,000 only.
• You can only transfer points to another person's loyalty account if they are an authorized user on your Chase transfer card account.
• You can combine Chase points earned with cash back credit cards into your account for point transfers, but you have to have the card_name , the card_name or the card_name to do so.
• Chase point transfers are one-way, meaning you cannot move transferred points back to your Chase account if you change your mind.

Get the most from your points with partners

Chase transfer partners pave the way to even more valuable redemptions when you start earning points in the program, and that's especially true if you're a frequent traveler who has some flexibility in their plans or you're someone who loves to traverse the globe in business class or first class.

That said, it's worth noting that you don't have to transfer your points to airlines and hotels if you don't want to. You can also use your points to book airfare, hotels, rental cars and more through Chase direct, or you can redeem your points for cash back, statement credits, gift cards or merchandise.

While Chase Ultimate Rewards points are valuable no matter how you decide to use them, having this type of flexibility in your rewards program is priceless.

Frequently asked questions (FAQs)

How do you combine your chase ultimate rewards points into a single account.

Chase lets you combine your points within your online account management page. All you have to do is log into your Chase account at Chase.com, go to your rewards account, then select the option that says "Earn/Use." From there, you'll see the option to "Combine Points" and you can move your points around among your Chase accounts however you please.

How to transfer points between Chase card accounts?

Chase lets you combine points within your online account management page. You can also transfer points to someone living in your household by calling the number on the back of your card and having the other person's credit card account added to your "Combine Points" page.

What are the best ways to redeem Chase Ultimate Rewards points?

The best redemptions are usually made after you transfer your rewards to a hotel or airline partner. However, there are no hard and fast rules that dictate which awards are the best or most valuable.

Can you transfer Chase ultimate rewards to another person?

You can transfer Chase points to another person's account as long as they live in your household and share your address.

Can you transfer points from Chase to Amex?

You cannot transfer Chase Ultimate Rewards points to your American Express Membership Rewards account.

How to transfer points from Chase to Virgin Atlantic?

Head to your online Chase account and click on the area that shows your Chase Ultimate Rewards points. From there, you'll click where it says "Earn/Use," then on the option that says "Transfer to Travel Partners."

At that point, you can scroll down to Virgin Atlantic, add your loyalty number and transfer points in increments of 1,000.

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Your guide to booking nearly free travel with Chase Ultimate Rewards transfer partners

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CNN Underscored reviews financial products based on their overall value. We may receive a commission through our affiliate partners if you apply and are approved for a product, but our reporting is always independent and objective. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

There are myriad ways to redeem Chase Ultimate Rewards points for travel , but which way is the best?

While the answer to that question depends largely on your lifestyle, one thing is for certain: Only the best Chase credit cards can unlock the full potential of your rewards:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Ink Business Preferred® Credit Card .

As long as you’ve got one of these cards, you can convert your points into airline miles and hotel points for nearly free travel. If you know what you’re doing, you could be flying in lie-flat first class seats across the Atlantic and booking free all-inclusive resorts with little effort.

Let’s take a look at how to transfer Chase points to partners — and why you’ll want to.

How to earn Chase Ultimate Rewards points

Chase Ultimate Rewards points are some of the easiest rewards currencies to earn. Many of its credit cards earn them quickly with large welcome bonuses and strong return rates for common purchases.

Even many Chase credit cards marketed as “cash back” (such as the Chase Freedom Flex℠ and Chase Freedom Unlimited® ) actually earn Chase points that can be transferred to valuable airline and hotel partners indirectly (we’ll discuss that a bit later).

Below are the credit cards that allow you to transfer points directly to Chase travel partners.

Chase Sapphire Preferred® Card : Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. $95 annual fee.

Chase Sapphire Reserve® : Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. $550 annual fee.

Ink Business Preferred® Credit Card : Earn 100,000 bonus points after you spend $8,000 on purchases in the first three months from account opening. $95 annual fee.

Chase Ultimate Rewards transfer partners

As long as you’ve got an annual fee-incurring Chase Ultimate Rewards credit card (namely, the Chase Sapphire Preferred , Chase Sapphire Reserve or Ink Business Preferred ), you can convert your Chase points to travel rewards in the following programs.

However, there are a few things to consider before transferring your points:

Transfers to travel programs are final. You can’t convert airline miles and hotel points back into Chase points.

Turning your points into another currency means you’ll have to play by that program’s rules when booking travel. As an example, you’ll be subject to any blackout dates and rewards expiration dates imposed by each particular loyalty program.

Depending on where you transfer your points, transfers aren’t always instant. If you’re transferring your points for highly contested awards, it’s possible that they could be gone by the time your rewards deposit into your loyalty account.

How to transfer Chase points to partners

To convert Chase Ultimate Rewards points, you’ll first need to sign into the Chase Ultimate Rewards portal using the same login credentials you use to access your online credit card accounts.

On the landing page, you’ll find a tab at the top that says “Earn/Use” along with your current rewards balance. Click on that to reveal a drop-down menu. Then click the “Transfer to Travel Partners” button at the center of the menu.

Here you’ll find a full list of airlines and hotels that partner with Chase. Before you can make a transfer, you’ll need to select the program you want to use and add your loyalty number. If you aren’t currently enrolled in the specific airline or hotel, you’ll need to create an account on that travel program’s website first.

After you’ve linked your accounts, you’ll quickly move to the final step: Entering the number of points you’d like to transfer. Your transaction must be in 1,000-point increments.

Chase point transfers are usually instant but could take several days depending on the program you transfer points to. In our experience, transfers to Singapore KrisFlyer and Marriott Bonvoy usually take 1-3 days to process.

Aer Lingus AerClub

Aer Lingus is the flag carrier of Ireland. It uses an award currency called “Avios” — something it has in common with other airlines such as British Airways, Finnair, Iberia and Qatar Airways.

Aer Lingus prices its award flights according to “ zone ;” the farther you fly, the more you’ll pay for a seat. The airline also enforces peak and off-peak travel dates, which affect the price.

While Aer Lingus tends to charge just enough taxes and fees to be an annoyance, you can find some screaming deals to Europe. For example, you can fly Aer Lingus from Chicago to Dublin in economy for just 13,000 points and $125.50.

Air Canada Aeroplan

Apart from the class of cabin, Air Canada Aeroplan prices award tickets (PDF link) based on three things:

The airline you fly.

The distance you travel.

The regions in which your travel takes place.

If that sounds overly complicated, that’s only because it is. But Aeroplan is hugely valuable once you learn the program’s intricacies.

For example, you can use Aeroplan points for travel on its Star Alliance (and non-alliance) partners to get nearly anywhere on the planet. Some partners outside of Star Alliance include Azul, Emirates, Etihad and others.

The program also allows stopovers for (most) international award flights for a flat 5,000 points so long as you’re not flying within North America. Plus, it charges just 2,500 points to add a lap infant on international awards on any class of travel.

To boot, Air Canada famously charges low taxes and fees. You won’t pay exorbitant fuel surcharges when booking award flights with Aeroplan points, but you will pay a $39 Canadian dollar (approximately $28.80 US dollars) partner booking fee when booking award tickets on a partner airline.

British Airways Executive Club

British Airways Executive Club is one of the most useful tools in an award traveler’s utility belt. But the program isn’t devoid of over-complication.

As a member of the Oneworld airline alliance, you can use your Avios points for a flight to get virtually anywhere in the world. Avios are especially useful for domestic flights on American Airlines and Alaska Airlines since they’re not Chase transfer partners.

The price you’ll pay for your seat (besides class of travel) depends on:

Peak and off-peak season.

The location of your flight.

The number of connections you have.

It sounds worse than it is. A bit of hasty research can help you to find all kinds of good deals. For example, you’ll pay just 11,000 points and $15.60 in taxes for a one-way coach flight from Charlotte to Turks and Caicos. That flight otherwise costs nearly $350 at the time of writing.

Emirates Skywards

The value of Emirates as a Chase transfer partner has seesawed over the years due to devaluations and increasing taxes and fees. At present, the program is rarely the optimum booking channel to get where you want to go.

However, there are exceptions. While Emirates doesn’t abide by an award chart (making it difficult to mine sweet spots), it certainly has utility for some niche travel itineraries.

For example, you can fly round-trip from New York to Milan on Emirates for just 45,000 miles and $142 in economy class. That’s a good 15,000-30,000 miles less than what you can expect to pay via programs like American Airlines AAdvantage and United Airlines MileagePlus , but taxes and fees are a bit higher.

Transferring Chase points to Emirates is also the hands-down best way to book Emirates first class seats, which have become a rite of passage for award travel enthusiasts. Depending on your route, you’ll enjoy things like an onboard bar, a spacious lavatory with showers or even a fully enclosed suite.

Air France-KLM Flying Blue

Flying Blue is the joint loyalty program of both Air France and KLM. Since both airlines are SkyTeam members, it’s easy to redeem these miles for flights to just about anywhere in the world.

Flying Blue doesn’t publish an award chart, but it tends to price its awards in zones. For example, business class flights from the US to Europe usually start between 50,000 and 55,000 miles, which is a great deal. However, the price you pay can vary by route, date and other factors.

You can also find decently priced Delta award flights on Flying Blue, both domestically and internationally. This is especially useful as Delta SkyMiles isn’t a Chase Ultimate Rewards transfer partner.

Finally, Flying Blue has monthly Promo Rewards that offer discounted award tickets between select destinations. These change monthly, so keep an eye on the loyalty program’s website for the latest promotions.

Iberia Plus

Iberia, the flag carrier of Spain, comes with an upside similar to other airlines that use Avios as their reward currency. Award flights are priced based on flight distance, peak/off-peak travel dates and the airline you fly.

In fact, Iberia is one of the best ways for those based in the East Coast and Midwest to fly to Europe in comfort. You can book one-way flights from New York, Boston or Chicago to Madrid for just 17,000 Avios in economy or 34,000 Avios one-way in business class on off-peak dates. You can see Iberia’s off-peak award calendar on the airline’s website .

Prepare to pay over $100 in taxes and fees for a lie-flat award seat, which is far cheaper than booking with Avios partner British Airways.

JetBlue TrueBlue

JetBlue TrueBlue prices its award flights according to the cash price. In other words, if JetBlue is having a sale, both the cash and points price will be lower.

You can count on getting a value of roughly 1.3 cents per point when transferring Chase points to JetBlue. It’s not an incredible offer, but it’s a surefire way to get at least a reasonable value for your redemption.

Whether you should transfer your points to JetBlue largely comes down to which Ultimate Rewards credit card you have.

If you have the Chase Sapphire Preferred or Ink Business Preferred , you can “buy” travel (including JetBlue flights) through the Chase Travel Portal at a rate of 1.25 cents per Chase point.

If you have the Chase Sapphire Reserve , you can “buy” travel through the Chase Travel Portal at a rate of 1.5 cents per Chase point.

Those with the Chase Sapphire Reserve likely never have a reason to transfer points to JetBlue — unless the goal is to simply top-off a JetBlue account with a few more points to achieve an award flight.

Singapore Airlines KrisFlyer

Singapore Airlines is a member of Star Alliance, so you can use the program’s miles to book flights on many different airlines all over the world. You’ll often find award prices for seats on other airlines to be considerably cheaper than had you booked directly with the airline you’re flying.

For example, you can fly round-trip on United Airlines from the US to Hawaii for 19,500 KrisFlyer miles one-way, plus minimal taxes and fees.

You can also get good deals on Singapore Airlines’ own flights when you transfer Chase points to KrisFlyer miles. This is especially true if you leverage Spontaneous Escapes , which are the airlines’ last-minute award deals that change every month. Generally, you have to book these by the end of the month and fly by the end of the following month.

At the time of writing, you can use Spontaneous Escapes to book a last-minute flight from New York-JFK to Frankfurt (FRA) on Singapore Airlines for just 56,700 miles in business class.

Southwest Rapid Rewards

Southwest is extremely customer-first with its policies of free changes and cancellations up until 10 minutes before departure, two complimentary checked bags and generally affordable flights. Better yet, Chase points also transfer to Southwest Rapid Rewards .

Southwest flies to lots of fun destinations within the US ( including Hawaii ), and it also flies to a handful of spots around Mexico, Central America and the Caribbean.

Similar to JetBlue TrueBlue, Southwest’s award prices are directly proportional to its cash fares. You can expect to get a value of around 1.4 cents per Southwest point. If you’re happy with that value and you do a lot of travel domestically, this could be a good destination for your Chase points.

United MileagePlus

United MileagePlus rarely offers jaw-dropping value for its miles. Instead, its main draws are:

Its taxes and fees are always low.

United (and its partners) fly to a ton of destinations.

You can easily book most of its Star Alliance partners online (which isn’t the case with all programs).

United Airlines doesn’t have an award chart, so you’ll have to manually search for your desired route and date to know how much you’ll pay. The price can change dramatically from day to day.

As an example, you can see the seemingly random pricing when looking at a weekly calendar between Austin (AUS) and Newark (EWR), with prices ranging from 9,700 miles and 33,700 miles depending on the day you book.

The takeaway is that — for United-operated flights — if you have flexible dates, you can find some great deals

Virgin Atlantic Flying Club

Virgin Atlantic is a SkyTeam member, which allows you to book flights on partner airlines such as Delta, Air France and Korean Air. Virgin Atlantic Flying Club offers unique award charts for travel on these partners as well as on its own metal.

There are plenty of great deals (some of the best in the world of award travel, in fact). For example, you can book Delta One business class award tickets from the US to Europe for just 50,000 points, plus minimal taxes and fees. However, it’s often difficult to find award space.

That said, if you’re OK with paying taxes and fees, redeeming Virgin points for Virgin Atlantic flights can be a great way to save money and award space is plentiful, even on peak travel dates.

As a quick example, you can book a one-way flight from New York-JFK to London-Heathrow (LHR) on Virgin Atlantic for just 10,000 points. The catch is that you’ll pay $151 in taxes and fees on economy flights and more for premium cabins, but that’s often far less than paying for a coach ticket.

IHG One Rewards

IHG One Rewards has over 6,000 properties around the world with recognizable brands like Holiday Inn, Crowne Plaza and InterContinental, among others. It’s also added new brands to its portfolio like Atwell Suites and Voco.

IHG award nights typically range between 10,000 points and 100,000 points per night. However, luxury brands like Six Senses may charge more per night depending on when you travel.

That said, it’s difficult to get even 1 cent per IHG point in value, so it’s usually a bad option for your Chase points. You’re almost always better off reserving your IHG hotel stay through the Chase Travel Portal for 1.25 cents or 1.5 cents per point (depending on which Ultimate Rewards credit card you hold) or saving your points for another redemption.

Marriott Bonvoy

Marriott Bonvoy is the largest hotel chain in the world with more than 500,000 rooms across 8,000 hotels. It’s got an excellent mix of budget and luxury options.

Travel website The Points Guy values Marriott points at 0.84 cents per point, and in our experience, this is accurate. So, similar to IHG, you’re likely to get more value from your Chase points by booking your Marriott stay through the Chase Travel Portal.

That’s not to say it’s always a bad deal. If you need to top-up your account with a few thousand points for a free night, it could be a smart move. Chase also occasionally offers 50% transfer bonuses to Marriott, which makes transferring your Chase points to Marriott a considerably better deal.

World of Hyatt

World of Hyatt is considered by many to be the most valuable Chase transfer partner. There are two reasons for this:

Chase Ultimate Rewards is one of two transferable rewards currency that partners with Hyatt, with the other being Bilt Rewards .

It’s not difficult to receive a value north of 1.5 cents per point when booking a stay.

Hyatt is one of the few programs that still uses an award chart. You’ll pay between 3,500 and 45,000 points per night for a standard room. In short, this means that a property’s award price is confined to a small range, no matter the cash price of the room.

This makes it possible to get an expensive room for a small number of points. For example, a stay at the Park Hyatt Beaver Creek during ski season costs $1,376 per night.

But the same room costs just 45,000 Hyatt points. That gives you a value of more than 3 cents per point — a top-tier use of Chase points.

Hyatt’s biggest downfall is that its international footprint is a small fraction of its competitors. It has over 1,300 properties (as well as additional points-accepting properties from its various partnerships). You’re likely to find Hyatt in cities and at popular destinations — but don’t count on finding them in small towns or off-the-beaten-path areas.

Looking for a travel credit card? Find out which cards  CNN Underscored Money  chose as the  best travel credit cards  currently available.

Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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How to Transfer Chase Points—and Get the Most Value From It

By Harrison Pierce

All products featured on Condé Nast Traveler are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers. We don't review or include all companies, or all available products. Moreover, the editorial content on this page was not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are entirely those of Condé Nast Traveler's editorial team.

When used properly, Chase Ultimate Rewards can give you one of the highest valuations of any credit card rewards program . But knowing when it’s best to redeem your hard-earned points in the Chase portal, along with when and how to transfer Chase points elsewhere to get a better value, isn’t always an easy task. Follow this guide to ensure you get the best deal on your upcoming trip—and the one after that.

Chase Ultimate Rewards overview

If you have a credit card issued by Chase, you are probably somewhat familiar with Chase Ultimate Rewards, but here’s a quick refresher: Each rewards card typically earns at least one point per dollar spent on all purchases. Some of the most popular cards from Chase are the Sapphire travel rewards cards, Ink business cards, and the Freedom cash back cards. 

The number of points you earn varies depending on the card you have. For example, the Chase Sapphire Preferred® earns 5 points per dollar on travel purchased through Chase Ultimate Rewards; 3 points on dining, online grocery purchases, and select streaming services; 2 points on other travel; and 1 point on all other purchases. 

Compare that to the Chase Sapphire Reserve® , which earns 10 points per dollar on hotels and car rentals and 5 points on flights, both purchased through Chase Ultimate Rewards, 3 points on dining and other travel, and 1 point on all other purchases. 

You can also earn points by meeting the minimum spending requirement on welcome bonuses, which is especially helpful if you are new to the world of points as it gives you an influx of points quickly. When you are ready, you can redeem your bonus points for travel, cash back, gift cards, or on select purchases.

When to book travel directly on Chase Ultimate Rewards

If you aren’t redeeming your points, booking through Chase Ultimate Rewards is still quite advantageous. For instance, if I were to book a $500 two-night stay at a hotel using a Chase Sapphire Reserve credit card booking directly with the hotel, I would earn just 1,500 points. If I booked that same stay for the same price through the Chase Ultimate Rewards travel portal, I would earn 5,000 points.

It could make sense to use points to book travel through Chase Ultimate Rewards in a couple of scenarios. If you are booking a cheap flight and don’t want to pay cash for it, and it’s not on a partner airline, you can book using points without worrying about the value. For example, if you are traveling on a low-cost airline like Spirit Airlines and do not want to pay cash for your ticket, you can book using the portal. Although you might not get a top redemption value, you'll avoid paying out of pocket for the flight. 

Or, if you don’t have very many points in your account, you can book through the portal and use points to pay for part of your flight or hotel stay, reducing the overall cost. Since you cannot transfer points to a car rental company, you could also use points to book a rental car through Ultimate Rewards rather than paying cash.

Special card considerations

When you book directly on Chase Ultimate Rewards, you get a standard valuation of 1 cent per point. However, the Sapphire rewards cards give you a slight leg up. If you have the Chase Sapphire Preferred, you get 1.25 cents per point rather than 1 cent. So, if you have 60,000 points, these are worth $750 rather than $600. 

This also applies to the Chase Sapphire Reserve , but you get an elevated valuation of 1.5 cents per point. So, the same amount of points would be worth $900 when booking through Chase Ultimate Rewards.

The Chase Freedom Unlimited® and the Chase Freedom Flex℠ are both popular cash-back cards . However, these earnings come in the form of points, which you can redeem for cash back or travel at the standard valuation. You cannot transfer these points to any partners directly, but you can transfer points between your Chase accounts. This allows you to merge cash-back rewards with your Sapphire rewards cards, making them transferable to airline or hotel partners. 

Also, keep in mind that not all Chase credit cards earn Ultimate Rewards. If the card is co-branded with an airline or hotel, you’ll earn points for that loyalty program—do not apply for the Marriott Boundless card thinking you will earn points that are as flexible as Ultimate Rewards points.

When to transfer Chase Ultimate Rewards points 

You will usually get a better value from your points if you transfer them to a partner before redeeming—we’ll get into the math of it all in a minute. You want your hard-earned points to go as far as possible, so strategizing is essential. You can transfer your points from Chase Ultimate Rewards to 11 airlines and three hotel groups at a 1:1 ratio. That means if you transfer 1,000 points from your Chase Ultimate Rewards to any partner in the list below, you will receive 1,000 points to that rewards program. Occasionally, there will also be bonuses you can take advantage of to earn even more points. At the time of writing, there is a 50 percent bonus offer when transferring points to Marriott Bonvoy, turning 1,000 Chase Ultimate Rewards points into 1,500 Marriott Bonvoy points. 

Chase transfer partners

Airline partners.

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

Hotel transfer partners

• IHG® One Rewards
• Marriott Bonvoy®
• World of Hyatt®

Breaking down the math

Let’s look at a couple of examples where it might make sense to transfer your points. 

Stacey Lastoe

Tonya Russell

Steph Koyfman

Emily Pennington

If you want to visit Denver (DEN) from New York City (LGA) this June, you can take a nonstop business-class flight on United Airlines for $948. If you are a Chase Sapphire Reserve cardholder and book this flight on Chase Ultimate Rewards, you will use 63,200 points. The exact same flight, when booking on the United website, costs just 45,300 miles plus $5.60 in taxes and fees. Since you can transfer your points to United MileagePlus at a 1:1 ratio, you can fly the same route for almost 18,000 points less, which leaves plenty of points for another trip. 

Or, you could take a five-night trip to Punta Cana and stay at the Four Points by Sheraton , a Marriott property. If you book on Chase Ultimate Rewards and are a Chase Sapphire Preferred cardholder, you will spend 79,840 points. If you took advantage of the 50 percent bonus to transfer to Marriott, you would need to transfer just 43,670 points to book the same property. 

Transferring your points in these situations would save you anywhere from 18,000 to 30,000+ points, which is certainly enough for another flight. 

There are also some instances where you might want to do a double transfer. For example, if you want to fly on Qatar Airways , which is not a partner with Chase, you could transfer your points to British Airways Avios and then transfer those points to Qatar Airways. Or, if you didn’t want to do a double transfer, you can sometimes book award travel on airlines within the same alliance. If you transferred your points to United MileagePlus, you could book award travel on Avianca through United.com. Similarly, if you transferred points to British Airways, you could book award travel on American Airlines via BritishAirways.com. 

How to transfer Chase points

Transferring your points is simple. All you need to do is log into your Chase account via the app or online and navigate to the Chase Ultimate Rewards portal. Click “Earn/Use” next to where you see your point total, and then “Transfer to Travel Partners.” Select the partner you want to transfer points to, how many points you wish to transfer in increments of 1,000, then enter your rewards membership number and any other requested information. Review everything and submit. 

Some point transfers are instantaneous, while others can take a couple of hours or even a day to process. This information will be given to you before you complete the transfer. Keep in mind that once your points are transferred, they are out of your account. You can’t send them back to your Chase Ultimate Rewards account if you decide not to book on the partner you sent them to. 

Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers.

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How to use chase ultimate rewards® for travel.

Whether you're a longtime cardholder or just starting your credit card journey with Chase, you may be wondering: What is the best way to use Chase points ? The answer will be different for everyone, but if you like to travel, you may find that using your points on your trips is your favorite way to spend them. Learning how to use Chase Ultimate Rewards to make the most of your points could help you pack in a few extra adventures when planning your next getaway.

How to earn Chase Ultimate Rewards points

Chase Ultimate Rewards points are redeemable points you can earn through welcome bonus offers or when making purchases with your Chase-branded cards, such as:

• Chase Sapphire
• Chase Freedom
• Chase Ink Business

You may also earn Ultimate Rewards at an accelerated rate on certain purchases or bonus categories — the typical rate is one point earned per dollar spent.

Redeeming Chase Ultimate Reward points

As a general rule of thumb, one point equates to $0.01 in redeemable value. This can fluctuate, however, depending on how you decide to redeem your points. When it comes to travel there are three main ways to redeem Ultimate Rewards points:

• Booking travel directly through the Chase travel portal.
• Transferring your points to Chase travel partners, such as airlines and hotels.
• Redeeming your points for gift cards or statement credits.

Using Ultimate Rewards points for travel

If you decide to redeem your Chase Ultimate Rewards to book travel, you may want to know what your options are. The main way you can redeem your points is through the Chase travel portal. There, you can directly find, book and pay for travel expenses such as flights, hotels, car rentals, cruises, tours and other activities or transfer points to hotel and airline partners.

When transferring your Ultimate Rewards to Chase travel partners, i.e. airlines and hotels, the transfer ratio is typically 1:1. That means that however many Ultimate Rewards points you have, you'll have the same amount in partner points with whichever Chase Ultimate Rewards travel partner you choose.

Why book through Chase Travel portal?

Something to note when using the portal is that the value of your points can change depending on which card you have.

For instance, if you have the Chase Freedom Unlimited ® card, your points are worth one cent each. With the Chase Sapphire Preferred ® or Ink Business Preferred ® cards, your points are each worth 1.25 cents. You'll get the highest value with the Chase Sapphire Reserve ® , as points are worth 1.5 cents each in the travel portal with that card.

If you have multiple eligible cards, you can combine your points to get the most out of them.

One of the benefits of booking through the Chase travel portal is that you can earn points on paid reservations. For instance, with Chase Sapphire Reserve ® you can earn 5x points on airfare and 10x points on hotels and rental cars booked through the portal.

You can book flights, hotels and rental cars directly through the travel portal, but if you want to book a cruise using Ultimate Rewards points, you'll have to call Chase directly.

There's no right or wrong when it comes to how to redeem Chase Ultimate Rewards points. However, if you've been bitten by the travel bug, you may find the best way to use them is by transferring them to Chase partners or booking through the Chase travel portal. Take some time to compare points transfers and the travel portal and see which one helps you make the most out of your points.

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• How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
• 4 important details about the Autograph Journey 

This New Travel Credit Card Could Dethrone The Chase Sapphire Preferred

Between its flexible rewards and point-transfer opportunities, the new Wells Fargo card could be a worth-while choice.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Wells Fargo’s newest credit card -- the Wells Fargo Autograph Journey℠ Visa® Card* -- is open for online applicants. It’s a competitive offer that could give incumbent travel credit cards from  Chase ,  American Express  and  Capital One  a run for their money.  

Wells Fargo does one thing better than its competitors: It offers a more flexible rewards program that doesn’t require booking travel in a portal to earn the highest rates.

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of  the best travel credit cards , plus four insider tips to help  you  decide if you should add it to your credit card lineup.

Before we dive into the hidden features and benefits, here’s an overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card

Chase Sapphire Preferred® Card

Capital One Venture X Rewards Credit Card

Capital One Venture Rewards Credit Card

4 important details about the autograph journey .

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

4. You may need to wait to apply

If you’ve applied for another Wells Fargo card in the last six months, you’ll likely have to wait a little longer before applying for the Autograph Journey.

Wells Fargo states in its terms and conditions, “If you opened a Wells Fargo Credit Card account within the last six months, then you may not qualify to open an additional Wells Fargo Credit Card account. We may also limit how many open Wells Fargo Credit Card accounts you have.”

So if you want the new Autograph Journey, you should steer clear of applying for other cards from Wells Fargo for now. If you’re approved and use the card responsibly for six months or longer, you can consider adding additional Wells Fargo credit cards to your portfolio.

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After writing about hundreds of credit cards, these two are still my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.

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Credit Cards

Is the Chase Sapphire Preferred Worth it?

Tamara Aydinyan

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 5:51 a.m. UTC March 28, 2024

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For a credit card with a reasonable annual fee, the Chase Sapphire Preferred® Card comes packed with perks and travel benefits that can far surpass its cost. But is it the right card for you? 

A favorite amongst travelers for its easy entry into travel credit cards , the Chase Sapphire Preferred has high rewards rates that favor those who dine out or order in and comes with flexible and lucrative redemption options. The card also offers a generous welcome bonus that offsets its $95 annual fee, and its robust benefits include travel and purchase coverage. 

Determining whether the Chase Sapphire Preferred is worth it depends on your personal spending habits and frequency of travel. Here’s what you need to know about this popular credit card to decide if it’s right for you.

• Welcome bonus of 60,000 points after spending $4,000 on purchases in the first three months of account opening.
• $95 annual fee.
• Earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. 
• Points come in the form of Chase Ultimate Rewards® .
• Perks include up to $50 in statement credits each account anniversary for hotel stays purchased through Chase Travel℠ and an anniversary bonus equal to 10% of your total purchases made the previous year.

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Chase Sapphire Preferred benefits

• 25% more value when redeeming points for travel through Chase Travel.
• 1:1 point transfer to over a dozen airline and hotel loyalty program partners. 
• Travel benefits including trip cancellation/interruption insurance, primary auto rental insurance, baggage delay insurance, trip delay reimbursement and travel and emergency assistance services.
• Purchase protection and extended warranty protection.
• No foreign transaction fees.
• Partner benefits with DoorDash, Instacart, Lyft and Peloton.

Chase Sapphire Preferred drawbacks

• High 21.49%-28.49% Variable APR.
• Can only hold one Chase Sapphire product at a time.

Chase Sapphire Preferred may be worth it if:

You’re looking for a travel starter card .

Chase Sapphire Preferred offers a great entry into the travel credit card world. It earns extra rewards in everyday spending categories and has flexible redemption options. 

You can learn how to maximize the value of your points by transferring them to loyalty partners , but at the very least you can still get an extra 25% value when redeeming them through the easy-to-use Chase Travel portal. Plus, money-saving benefits like primary rental car insurance and trip cancellation/interruption insurance round out a substantial travel card. 

You want a big welcome bonus with a reasonable annual fee

Earning 60,000 points after spending $4,000 on purchases in the first three months of account opening is a generous welcome bonus for a card with a $95 annual fee, especially when you consider that you can redeem those points for $750 in travel through Chase Ultimate Rewards and potentially more if you transfer to partners and book directly with airlines and hotels. 

You stay (or want to stay) at Hyatt Hotels  

One of the best ways to use your Chase points is by transferring them to World of Hyatt at a 1:1 ratio. With award pricing that starts as low as 3,500 points per night and a fixed award chart, Hyatt offers some of the best redemptions you can find for its over 1,250 hotels. 

Even all-inclusive resorts can be booked using points and with the added bonus of waived resort fees on award stays, you can save even more.

Chase Sapphire Preferred may not be worth it if:

You rarely travel .

Since the Chase Sapphire Preferred is most valuable when its benefits and rewards are used for travel, it’s not the best card for you if you rarely do. In that case, a cash-back card that puts a percentage of your spending back in your wallet might be a better fit for your lifestyle.

You want airport perks

Although the Chase Sapphire Preferred is a great travel card for beginners, those who are frequent travelers and want perks like a Global Entry or TSA PreCheck credit or airport lounge access should consider other options. 

The card’s older sibling, the Chase Sapphire Reserve® can be a great choice as it comes with a statement credit of up to $100 every four years as reimbursement for Global Entry, TSA PreCheck or NEXUS application fees. It also includes complimentary lounge access through Priority Pass Select (enrollment required) and Chase Sapphire Lounges.

You don’t spend much

You don’t have to be a big spender to benefit from travel credit cards, but it should be enough to offset the annual fee. If you don’t think you can spend enough in the first few months to receive the welcome bonus, the Chase Sapphire Preferred card may not be the right card for you at the moment. 

Bottom line

The Chase Sapphire Preferred shines as a trusty mid-tier travel card for those entering the points world but may not be as appealing for those well-versed in travel rewards. Some may be put off by the $95 annual fee, but those who can make the most of the card’s benefits will quickly see the outsized value this card provides.

Frequently asked questions (FAQs)

The Chase Sapphire Preferred can be worth getting for those looking for a well-rounded travel credit card to add to their wallets. But if it will be worth it for you depends on your specific lifestyle and spending habits.

If you don’t travel at all or travel very frequently, there may be better travel credit cards for you.

The Chase Sapphire Preferred is popular for having a generous welcome bonus, big reward-earning opportunities in multiple categories and flexible award redemptions for travel.

You’re most likely to get approved for the Chase Sapphire Preferred card with a good to excellent credit score.

If you earn the welcome bonus of 60,000 points after spending $4,000 on purchases in the first three months of account opening, this is worth $750 when redeemed for travel through Chase, which covers the annual fee several times over.

In years not accounting for the welcome bonus, spending $7,600 on purchases in non-bonus categories will earn you enough points to cancel out the annual fee when redeemed through the Chase Travel portal at a value of 1.25 cents per point.

You are not eligible for a welcome bonus on a Chase Sapphire card if you have received a Sapphire bonus in the last 48 months.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

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Chase Sapphire Reserve and Ritz-Carlton Card Priority Pass Benefit Change: No More Restaurants or Markets

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Offers for The Ritz-Carlton™ Credit Card are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.

Check your latest billing statement on the Chase Sapphire Reserve ® or The Ritz-Carlton™ Credit Card for some bad news. One of each card's key benefits is changing this summer, and you'll lose the ability to get a free meal or comfortable nap at the airport soon. Here's what you need to know.

Changes to Chase Sapphire Reserve and Ritz-Carlton Card Priority Pass Benefit

The following terms are now showing up on Sapphire Reserve cardholder statements, so check your latest to see if it says this:

“As of July 1, 2024, you will no longer have access to restaurants, cafes, and markets participating in the Priority Pass Select network as part of the Priority Pass Select TM Benefit associated with your card. Access to Priority Pass Select’s network of lounges and other select airport experiences is not impacted by this update.”

While the same text hasn't yet been found on a Ritz-Carlton Card statement, a Chase spokesperson confirmed to AwardWallet that the card will also alter its Priority Pass benefit. Bummer.

Thus, as of July 1, you won't be able to visit food establishments of Priority Pass using a membership from either of these cards; the same applies to the J.P. Morgan Reserve card . If you weren't aware, there are Priority Pass restaurants, nap rooms, spas, and more . Your ability to visit lounges with your Priority Pass membership from the Sapphire Reserve or Ritz-Carlton Card won't change.

A spokesperson for Chase provided the following statement:

“[B]eginning July 1, 2024, Chase Sapphire Reserve, J.P. Morgan Reserve and The Ritz-Carlton™ Credit Card cardmembers will no longer have access to restaurants, cafes and markets participating in Priority Pass Select™. Access to Priority Pass Select’s network of lounges and other select airport experiences is not impacted by this update. Chase Sapphire Reserve, J.P. Morgan Reserve and The Ritz-Carlton™ Credit Card primary cardmembers and authorized users who have activated their complimentary Priority Pass Select membership will continue to have access to 1,300+ participating lounges in 600+ cities around the world and select airport experiences participating in the Priority Pass Select network. As part of Chase’s goal to invest in travel and provide the best experience to its cardmembers, having a trusted, premium airport lounge experience to offer cardmembers is integral to supporting their travel journey and end-to-end travel experience. Chase has made significant commitments to expand our Chase Sapphire Reserve Lounge Network because enhancing our cardmembers’ on-trip experience is paramount.”

Thus, Chase says the changes are a direct response to growing its own network of Chase Sapphire Lounges .

Putting This Into Context

The Sapphire Reserve and the Ritz-Carlton Card aren't the first cards to lose access to Priority Pass non-lounge elements. Amex pulled this benefit in 2019 , and Capital One made changes on January 1, 2023 .

Unfortunately, the list of cards you can use to get a free meal at the airport is growing thin.

Bottom Line

It's a real bummer to see both the Sapphire Reserve , Ritz-Carlton Card , and J.P. Morgan Reserve card lose access to Priority Pass restaurants and non-lounge perks. Many people have held these cards due to their better-than-others Priority Pass Select benefit. That's going to change on July 1, 2024. You may need to reevaluate these cards' positions in your wallet going forward.

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The Reserve was the best premium card at one point imo, but it’s taken a backseat in recent years. This could be close to the final nail for me keeping it. They need to come up with something else to entice folks, but I doubt they will.

This benefit was why I didn’t cancel when my annual fee hit in December. Given they are changing the benefits mid-year, will the refund the annual fee if I cancel?

You may get a prorated refund. It’s worth asking.

At least Chase is opening more Sapphire airport lounges. I was recently at the one in Boston and was very impressed.

What about the Citi Prestige Priority Pass benefit?

That’s unaffected.

Can you post a list of cards you can use to get a free meal at the airport?

Mel, it’s these: UBS Visa Signature, Mastercard Black Card, Citi Prestige, Venture X Business, Bank of America Premium Elite

Makes the limited PP on the US Bank Altitude Reserve look like the only game in town.

Hi Robert, I want to clarify that U.S. Bank has told me you can’t use its Priority Pass visits for non-lounge (spa, restaurant) visits. Have you been told something different?

May need to edit the “that the card will also lose its Priority Pass benefit.”

I don’t think it’s losing spas is it? They just say restaurants, cafes and markets.

Thanks for catching that. This went through several changes as info was rolling in. Chase has now confirmed that it’s food-related items, but you should be able to still visit spas/nap rooms with these cards.

Is there any other credit card which still offers this benefit?

UBS Visa Signature, Mastercard Black Card, Citi Prestige, Venture X Business

Will be downgrading reserve when time comes.

It looks like the Ritz Carlton card and the CapOne Venture X Business card might still offer the food and beverage credit. However, I can’t find any way to get a PP card from the Chase Card Benefits page of my Ritz card. I also can’t find a page online for Venture X Business. I can find it in the app, but I have to fill in an application with teensy little boxes.

The Ritz-Carlton Card is also losing this benefit. We’ve updated the post.

Super bummed to hear about this. Had already ditched the card, this is just another nail in the coffin. Wondering if Chase will counteract it with another benefit, but not holding out hope.

It seems unlikely.

So, other than maybe the Ritz card (which I have) will ANY other credit cards be maintaining access to the non lounge facilities?

Paul, the Ritz-Carlton Card is also losing this benefit. We’ve updated the post. These cards offer Priority Pass restaurant access still: UBS Visa Signature, Mastercard Black Card, Citi Prestige, Venture X Business

How to redeem Chase Ultimate Rewards points for maximum value

There are a few facts of life — never wake a sleeping baby, always say yes to homemade cake and you can never, ever have too many Chase Ultimate Rewards points.

This transferable points currency gives you access to some of the best hotel and airline transfer partners in the business, as well as the easy-to-use Chase Travel portal that allows you to cover a wide variety of different costs for your trip, including car rentals, hotels, flights, tours and activities , as well as some everyday expenses.

Despite increasing competition from American Express Membership Rewards , Citi ThankYou points and Capital One miles , Chase Ultimate Rewards maintains its place as one of the most valuable points currencies on the planet. Plus, thanks to the Chase Sapphire Preferred Card's current welcome bonus of 60,000 points after you spend $4,000 on purchases in the first three months from account opening.

If you're ready to get serious about traveling more for less, here's everything you need to know about Chase transfer partners and the best ways to redeem your Chase Ultimate Rewards points.

Want more credit card news and advice from TPG? Sign up for our daily newsletter!

How much are Ultimate Rewards points worth?

TPG values Ultimate Rewards points at 2 cents each, which is what you should aim for when redeeming them. The actual value you get from these points depends on how you redeem them.

If you redeem your points for cash back or statement credits, each point is typically worth 1 cent. However, if you use your points to book travel through the Chase Ultimate Rewards portal or transfer them to a travel partner, you can often get a higher value per point.

You can use your Chase points for virtually any kind of travel booking: Flights, hotels, cruises, tours and rental cars. If you have a Chase Sapphire Preferred , your points are worth 1.25 cents each, while Chase Sapphire Reserve cardholders get a higher valuation of 1.5 cents per point. This is an excellent redemption option for folks who don't want to deal with complicated award program rules. It's straightforward and convenient.

If you want to truly maximize your Ultimate Rewards points, the best option is often to transfer them to one of 14 airline or hotel partners. From there, you can use them for premium travel bookings like first-class flights and luxury hotels. It's a good idea to compare your options to determine the best value for your points.

Here are some of the best ways to redeem Ultimate Rewards points for maximum value:

Knowing how to make the best points redemption at the best time is easy with the free TPG App! Download it for free today .

Best ways to redeem Chase Ultimate Rewards points

When it comes to redeeming Ultimate Rewards points, you have three basic options: Cash back, Ultimate Rewards travel portal bookings and transfers to travel partners. The "best" option comes down to your travel needs. Points are here to save you money and you should use them when it suits you. That being said, you should aim for the highest value whenever possible. Here's a look at all of your options:

Transfer to travel partners

Transferring Ultimate Rewards to travel partners is, in our opinion, the best way to redeem your hard-earned points. Using Chase transfer partners is certainly your best shot at getting maximum value. You can transfer Ultimate Rewards points to 11 airline programs:

Aer Lingus AerClub

• Air Canada Aeroplan
• Air France/KLM Flying Blue

British Airways Executive Club

• Emirates Skywards

Iberia Plus

Jetblue trueblue, singapore airlines krisflyer.

• Southwest Rapid Rewards

United MileagePlus

Virgin atlantic flying club.

Chase also partners with three hotel programs:

• IHG Rewards Club

Marriott Bonvoy

World of hyatt.

All transfer ratios are 1:1 (though there are occasional transfer bonuses ), and you must transfer points in 1,000-point increments.

If you want to learn some tips about redeeming points for the most value possible, you can check out our guide on Chase Ultimate Rewards sweet spots . We'll break down some of these options below.

Related: Get more from your points with these 6 transfer bonuses

Book travel via Chase portal

You can book travel through the Chase Travel Portal and redeem points for your plane tickets, hotel stays, rental cars or experiences at a fixed cash value per point.

As a holder of the Chase Sapphire Preferred or Chase Ink Business Preferred Credit Card , each point is worth 1.25 cents. If you have the Chase Sapphire Reserve , your points are worth 1.5 cents each toward travel redemptions in the portal. If you have a Chase Freedom Flex , Ink Business Unlimited Credit Card , Ink Business Cash Credit Card or Chase Freedom Unlimited , all points are worth one cent each.

To give you an example of how this works with an actual travel booking, here's a one-night stay at The Ramsey Hotel in Pigeon Forge, TN. The paid rate comes to $269 with taxes and fees. Those with a Freedom Flex, Freedom Unlimited, Ink Business Unlimited or Ink Business Cash card would need 26,900 points for this booking. Sapphire Preferred cardholders would need 21,520 points while Sapphire Reserve cardholders would redeem just 17,915 points.

If you have multiple cards that earn Ultimate Rewards points, you can combine your points into the account that gets the highest value for Ultimate Rewards bookings. For example, all of your points earned with the Chase Freedom Flex can be moved to your Sapphire Reserve account, thus increasing their value from 1 to 1.5 cents apiece.

It's probably worth getting into the habit of combining your points every month or so, just in case Chase decides to change this policy in the future. This is especially important given that Chase has already made it more challenging to combine points with a household member.

Book inexpensive flights with points

If you can find inexpensive airfare in the Ultimate Rewards travel portal, it can make sense to use your points for these flights to save cash. In the eyes of the airline, tickets booked this way are essentially the same as a paid fare. This means you'll earn elite and redeemable miles. Be careful to avoid basic economy tickets , unless you are okay with the restrictions they entail.

In the below case, spending 2,973 Ultimate Rewards points from a Sapphire Reserve account (1.5 cents each) to fly from Newark Liberty International Airport (EWR) to Fort Lauderdale-Hollywood International Airport (FLL) isn't too shabby.

You might also consider the travel portal option if you only have a handful of Ultimate Rewards points left, since Chase lets you redeem points to cover even just a portion of the trip cost. You then pay the remaining balance with cash.

Finally, this is a decent option for car rentals, non-chain lodging or when cash rates make spending points through transfer partners a bad value. The hotel options presented are quite varied, though be aware that if you book a hotel that participates in a major loyalty program through Chase Travel, you likely won't earn hotel points, nor will you be able to take advantage of any elite perks.

Cash back or gift cards

Theoretically, you can redeem points for a statement credit bank deposit at a flat rate of 1 cent each.

However, with Chase Pay Yourself Back , you can redeem points for cash back at a rate of 1.25-1.5 cents each, depending on the card you have. This redemption rate is valid on statement credits toward rotating purchase categories, such as dining.

You can also redeem points for gift cards at a rate of 1 cent per point. But you can do better with the program's transfer partners and Chase travel portal bookings, assuming you like to travel. However, we know that needs can change, so these non-travel redemptions remain fall-back options when needed.

Top Chase Ultimate Rewards transfer partners

We've mentioned that transferring your Chase points to a travel partner is often your best bet if you want to get the most value out of your points, but now we're going to show you why that's true in many situations.

Here are some of the best ways to redeem Ultimate Rewards with airline and hotel transfer partners:

United doesn't publish award charts anymore, which can be good or bad news, depending on your situation. Thankfully, awards on partners still follow unpublished award charts with set redemption levels, and United does not pass along fuel surcharges .

You can book domestic one-way United awards starting at 5,000 miles each way, business-class awards to Europe start at 60,000 – 70,000 miles each way and award flights to Australia and New Zealand in business class for 80,000 – 90,000 miles each way.

If you are booking a trip that transits different regions (like North America to Europe), you can also build in a free flight segment (known as the Excursionist Perk ). In a sample booking, we found a round-trip economy itinerary from Newark (EWR) to London (LHR) at 60,000 miles plus taxes.

Adding in a flight from London to Brussels and spending another week in Belgium costs the same number of miles (with fewer taxes) thanks to the Excursionist Perk .

Flexibility, the number of partners United has and the ease of redeeming MileagePlus miles makes United MileagePlus a popular choice among savvy Chase cardholders.

Related: How to get maximum value from the United MileagePlus program

Southwest Airlines Rapid Rewards

TPG values Southwest Rapid Rewards points at 1.5 cents each, which is less than the 2 cents per-point value of Ultimate Rewards. So transferring to Southwest isn't a great way to use your Chase Ultimate Rewards points. You can use your Chase points to book a "paid" Southwest flight by calling Chase Travel and booking over the phone, as the flights are not listed on the Chase Travel site.

However, there are a couple of scenarios where transferring points to a friendly carrier with no change or baggage fees makes sense. First, for inexpensive fares of $100 or less, Rapid Reward points can be worth as much as 1.7 cents per point, which beats the value you get when booking through the portal. Second, if you have a Southwest Airlines Companion Pass and are really getting two flights for the price of one award, then your points become worth as much as 3.4 cents per point for inexpensive fares.

Remember too that Southwest flights booked with Rapid Rewards points include free changes and cancellations , which gives you a ton of flexibility if the award rate drops after booking.

Related: Booking Southwest flights with Chase points

Singapore Airlines has a few things going for it as a potential airline transfer destination for your Ultimate Rewards. First, Singapore is one of the best airlines in the sky, with tremendous service and luxurious onboard products and experiences. And the carrier's own premium-class products are typically only available through the KrisFlyer program , not with its Star Alliance partners.

Second, there is fantastic value in Singapore's KrisFlyer program, with reasonable award charts , low fuel surcharges, routing rules that allow stopovers and the ability to combine multiple partners in one award.

Finally, the online award booking tool is intuitive and easy to use — though be aware that transfers typically are not instantaneous.

Here are some of our favorite KrisFlyer redemptions when using Chase Ultimate Rewards.

19,500 miles each way from the U.S. to Hawaii in economy

61,000 miles round-trip from the U.S. to Europe in economy on Star Alliance partners

93,500 miles Sydney to Singapore one-way in the A380 First Suites

Saver Suites Class awards between Syndey and Singapore used to cost just 85,000 miles each way. That cost has since increased to 93,500 miles. Saver availability is hard to come by, but if you really want to try this coveted product, you can book an Advantage award for 155,000 miles each way.

107,000 miles Los Angeles to Singapore one-way in business for 17 hours on the A350

Pre-devaluation, a Saver award between Los Angeles and Singapore priced out at just 95,000 miles each way. The award has since increased to 107,000 miles but can be worth it for a whopping 17-hour flight.

Spain's national carrier remains a mystery to many Chase cardholders, despite the significant value Iberia Plus can offer U.S.-based flyers. The carrier offers cheap economy and transatlantic flights on its own metal and routinely has promotions, making Iberia Plus practically irresistible for a quick hop across the Atlantic.

Without promos, transatlantic business class is priced based on a distanced-based award formula. One-way flights from Miami to Madrid on off-peak dates start at just 21,250 Avios in economy and 42,500 Avios in business class, for instance. There can be less than $100 in surcharges, depending on the class of service you book:

Prices get even more attractive, however, for shorter routes (based on distance in miles). For example, off-peak flights from Boston to Madrid require only 17,000 Avios in economy and 34,000 Avios in business each way:

There are multiple ways to use Virgin Atlantic's loyalty program to unlock value . Thanks to its own distance-based formula, you can redeem miles to fly Delta domestic itineraries here in the U.S. starting at 7,500 miles per segment, potentially saving you thousands of miles compared to what Delta is asking for the same flight (though it's worth noting that these rewards aren't as valuable as they used to be).

Delta One flights to Europe (excluding the U.K.) are a flat 50,000 miles for nonstop itineraries — though availability tends to be very scant. Instead, consider booking Air France flights in business class. On off-peak dates, flights from the U.S. to most of Europe are just 48,500 points.

Related: How to save thousands of miles on Delta One awards to Europe

Other partners, like ANA, have award charts so attractive they almost seem like a mistake. You can use 145,000 Flying Club miles to fly ANA first class round-trip from the West Coast to Japan and 170,000 miles round-trip from the central and eastern U.S. to Japan. Here is Flying Club's award chart for ANA-operated flights:

Related: Partner award flights on ANA just got even better: One-way redemptions now possible

Virgin Atlantic also offers attractive fares on flights between the U.S. and UK, though taxes on the return flight are quite high. A one-way economy class flight from the East Coast is just 10,000 miles.

Overall, Flying Club presents a lot of different options to yield significant value from your Ultimate Rewards — even after the Delta devaluation from 2021.

If you need a short-haul, nonstop flight on a Oneworld partner, British Airways Avios can reward you with tremendous savings . Short-haul flights outside of North America that are less than 650 miles in length will cost you only 4,500 Avios. This is great for exploring Europe on partner Iberia, for instance.

In North America, short-haul flights start at 9,000 Avios for American Airlines-operated itineraries and can give you significant mileage savings over booking the same flight through American AAdvantage. Atlanta to Dallas costs only 9,000 Avios on a day when American may charge between 12,500 and 20,000 miles in its new dynamic pricing model.

BA also lowered the cost of Qatar Airways awards when the Doha-based carrier adopted Avios as its own loyalty currency last year, giving yet another great option for transferring your Chase points for a valuable award ticket.

That said, there are itineraries you don't want to book with Avios, like long-haul British Airways flights or partner-operated flights that incur significant fuel surcharges. Stick to short hops on partner airlines or fifth-freedom routes in the Caribbean (such as Antigua to St. Kitts) and you'll get great use of your Chase Ultimate Rewards points with British Airways.

Related: The ultimate guide to British Airways Avios

One of the best ways to use Ultimate Rewards points is to transfer them to World of Hyatt for low or high-category properties. Generally speaking, Hyatt points are worth more than Marriott Bonvoy and IHG points, so Hyatt is often your best hotel transfer partner within Chase Ultimate Rewards.

World of Hyatt also offers an extremely reasonable award chart for free nights, with award nights ranging from 3,500 – 45,000 points. Meanwhile, the World of Hyatt elite status perks are considered the best of any hotel loyalty program.

Related: What is World of Hyatt elite status worth?

If you're looking at standard award nights, the program has value across the spectrum of properties. Category 1-5 properties, in particular, can offer some fantastic awards.

Examples include the Grand Hyatt Kauai (25,000 – 35,000 points per night), Hyatt Grand Cypress Orlando (12,000 – 18,000 points), Grand Hyatt Washington D.C. (12,000 – 18,000 points), Hyatt Regency Aruba (25,000 – 35,000 points) and Park Hyatt Mendoza (9,000-15,000 points).

Several Category 1 properties sell for over $100 a night (excluding taxes), so redeeming just 3,500 points for these on off-peak dates is usually a good decision. An example is the Hyatt Regency Downtown Tulsa, which is bookable for just 3,500 – 6,500 Hyatt points per night.

Even the higher tiers of the program have substantial value. For example, redeeming 35,000 – 45,000 points per night at the ski-out Park Hyatt Beaver Creek or 25,000 – 35,000 points per night at the Park Hyatt St. Kitts or Park Hyatt Maldives can make sense, since rooms at these luxury properties routinely sell for over $1,000 a night.

The last several years have seen massive growth in Hyatt's global footprint, thanks to the following new partnerships and integrations:

• Small Luxury Hotels of the World
• The addition of the Thompson, Alila and JdV by Hyatt brands.
• The new all-inclusive brands , mainly in the Caribbean but now in Europe as well.

And the program isn't done yet, as it just announced plans to acquire another 1,500 luxury properties under the Mr. and Mrs. Smith brand — with the deal expected to close in June 2023.

Related: Getting elite-like perks at Small Luxury Hotels of the World

If you want to use your Chase Ultimate Rewards points and protect your cash, you can book all-inclusive resorts with Hyatt points in Mexico, the Dominican Republic and Jamaica. These resorts start at 12,000 points per night for double occupancy. Using points in this manner gets you a room and food, beverages, and some on-site entertainment (including kids clubs at the family-friendly resorts).

Here's TPG's guide to making the most of your Hyatt awards .

Less desirable Ultimate Rewards partners

There are no "bad" redemptions if your points allow you to go where you want to go while keeping your cash safely tucked in your wallet. However, some ways of using Chase points aren't as mathematically rewarding as others.

The following Chase transfer partners would require a unique circumstance for us to transfer Ultimate Rewards, such as needing to top off an existing account balance or a one-off example of where the program provides value. There are typically better ways to get points in these programs instead of transferring Ultimate Rewards.

Here is a quick synopsis of each:

Air France-KLM Flying Blue

The current version of the program has become too illogical to ever plan on using it consistently.

You can certainly get lucky and find a good redemption. For example, TPG Editor Nick Ewen snagged three one-way, business-class awards from Miami (MIA) to Venice (VCE) for 53,000 miles and ~$235 in taxes and fees back in 2019. However, it's generally just too variable.

If you did need Flying Blue miles — perhaps to take advantage of the program's monthly, discounted Promo Rewards or discounted awards for children — you should probably transfer American Express points . Make sure to avoid falling victim to phantom award space. The Flying Blue website often shows award space that isn't actually available. To avoid this, call and confirm with a phone agent before transferring points.

Related: Transferring Ultimate Rewards points to Flying Blue

There's another version of an Avios program here, but nothing really enticing that's worthy of an Ultimate Rewards transfer.

TrueBlue points are redeemed for JetBlue flights at a relatively fixed rate of 1.3 to 1.4 cents per point. With that redemption rate, there are just too many other valuable destinations for your Ultimate Rewards points. So unless you are topping off an award, this might not be your best transfer option.

You can also book JetBlue flights through the Ultimate Rewards travel portal and get a guaranteed 1.5 cents per point if you have the Sapphire Reserve in your wallet.

IHG One Rewards

Top-tier properties in the IHG portfolio typically require 100,000 points per night, but we've seen examples of even higher pricing . It simply costs too much to book award nights in this program using Ultimate Rewards points. We generally believe that any other transfer partner is a better destination for your Ultimate Rewards points than IHG, especially since IHG sometimes sells points for just 0.5 cents each.

Note that IHG did just launch some notable updates to its program , but none of these move the needle when it comes to transferring your Chase points.

Related: IHG's dynamic pricing goes wild, spiking award rates for some hotels

On a case-by-case basis, it could make sense to transfer Ultimate Rewards to Marriott to redeem for an award night. However, these awards can be quite pricey, and with the launch of dynamic pricing , it can be even harder to find value.

With many different Marriott cobranded cards , it's too easy to earn the Marriott points you need without transferring them from Chase Ultimate Rewards.

Best cards for earning Chase Ultimate Rewards

• Chase Sapphire Preferred Card : Best for beginners.
• Chase Sapphire Reserve : Best for frequent travelers.
• Ink Business Preferred Credit Card : Best for small business owners.
• Chase Freedom Flex : Best for earning 5% cash back (or 5 points per dollar) up to a quarterly maximum; activation required .
• Chase Freedom Unlimited : Best for simple rewards.

How to earn Chase Ultimate Rewards points

There are many ways to earn Chase points at rates of anywhere from 1 – 10 points per dollar at a time depending on the specific Chase credit card you carry.

The first three cards below earn fully transferable Ultimate Rewards points all by themselves, while the remaining four are technically billed as cash-back credit cards .

However, if you have an Ultimate Reward-earning card, you can convert your Chase cash-back rewards to full Ultimate Rewards points. For this reason, it can make sense to have more than one Chase card in the family to maximize your earning and redeeming potential. For complete details on how this can work, check out TPG's guide to transferring Chase points between accounts .

With that out of the way, here are the seven cards that allow you to earn Chase Ultimate Rewards points.

Chase Sapphire Preferred Card

Welcome bonus: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Why you want it: This is a fantastic all-around travel credit card . It earns:

• 5 points per dollar on Lyft (through March 2025).
• 5 points per dollar on all travel purchased through Chase Ultimate Rewards.
• 3 points per dollar on dining, including eligible delivery services, takeout and dining out.
• 3 points per dollar on select streaming services.
• 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs).
• 2 points per dollar on all other travel.
• 1 point per dollar on all other purchases.

The Sapphire Preferred has no foreign transaction fees and comes with many travel perks , including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance (find out how that can save you from a surprise last-minute $1,000 hotel bill .) To top it all off, Chase generally offers excellent customer service and reaching an agent is easy when you call the number on the back of the card.

Annual Fee: $95.

Read the full card review .

Official application link: Chase Sapphire Preferred .

Chase Sapphire Reserve

Welcome bonus: 60,000 points after you spend $4,000 on purchases in the first three months from account opening

Why you want it: Put simply, for its earning power paired with travel perks that can easily cover the annual fee. It now accrues:

• 10 points per dollar on Lyft (through March 2025).
• 10 points per dollar on Chase Dining booked through Ultimate Rewards.
• 10 points per dollar on hotel and car rental purchases through the Ultimate Rewards Travel portal.
• 5 points per dollar on airline travel booked through the Ultimate Rewards Travel portal.
• 3 points per dollar on travel not booked through Chase.
• 3 points per dollar on other dining purchases.
• 1 point per dollar on all other eligible purchases.

Other perks include an easy-to-use $300 annual travel credit , a fee credit for Global Entry or TSA PreCheck (up to $100 once every four years), and Priority Pass Select lounge access. This includes the ability to use your Priority Pass membership for discounted meals in airport restaurants . Cardholders also get primary car rental coverage , trip interruption/cancellation insurance and other protections .

Annual fee: $550.

Official application link: Chase Sapphire Reserve .

Ink Business Preferred Credit Card

Welcome bonus: 100,000 points after you spend $8,000 on purchases in the first three months from account opening.

Why you want it: This is one of the best credit cards for small-business owners, earning 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising made with social media sites and search engines each account anniversary year. You earn 1 point per dollar on all other purchases, and points don't expire as long as your account is open. Points earned on the Ink Preferred can be transferred to multiple airline and hotel partners.

Annual Fee: $95

Official application link: Ink Business Preferred .

Now we get to the "cash-back" cards where you can combine your points with those from one of the three we've already detailed so that they become transferable as well.

Ink Business Cash Credit Card

Welcome bonus: Earn up to $750: $350 bonus cash back after you spend $3,000 on purchases in the first three months, and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.

Why you want it: Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%). Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%). You can convert these earnings to Ultimate Rewards points if you have one of the three cards above.

Annual Fee: $0

Official application link: Ink Business Cash .

Ink Business Unlimited Credit Card

Welcome bonus: $750 cash back after you spend $6,000 on purchases in the first three months from account opening.

Benefits: Earn unlimited 1.5% cash-back rewards on every purchase. These cash-back earnings can be converted to Ultimate Rewards points if you have one of the three top cards listed above, which means your small business can essentially earn 1.5 points per dollar on all charges made with this card.

Annual Fee: $0.

Official application link: Ink Business Unlimited .

Chase Freedom Flex

Welcome bonus: $200 (20,000 Ultimate Rewards points) after you spend $500 in the first three months of account opening.

Benefits : The card earns 5% back on select bonus categories, which rotate every quarter and apply on up to $1,500 in combined spending (activation required). Common past bonus categories include gas stations, supermarkets, restaurants, warehouse stores and department stores. You can convert these rewards to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Ultimate Rewards , 3% on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases. Earn 1% on all other purchases.

Official application link: Chase Freedom Flex .

Chase Freedom Unlimited

Welcome bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back.

Benefits : These earnings can be converted to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Ultimate Rewards , 3% on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases. Earn 1.5% on all other purchases. The card also offers 120-day purchase protection and extended warranty protection .

Official application link: Chase Freedom Unlimited .

Is it worth it to use Chase Ultimate Rewards?

It can definitely be worth it to use Chase Ultimate Rewards for travel, especially when you're able to save money. Generally, the best use of Ultimate Rewards is for travel, including premium cabin flights and luxury hotels. Regardless of how you use your points, it's a good idea to aim for 2 cents in value per point.

How do I redeem my Chase Ultimate Rewards points?

You can redeem Chase Ultimate Rewards points by logging into your Chase account and navigating to the Ultimate Rewards portal. Chase also has a landing page where you can log in to Ultimate Rewards directly. From there, you can choose whether to redeem points for statement credits, gift cards, travel or transfer partners.

How do you get the most value from Chase Ultimate Rewards?

You will generally get the most value from Chase Ultimate Rewards by transferring your points to one of 14 transfer partners for luxury travel. With the right partners, this can lead to 2 cents (or more) in value.

Is there a benefit to booking through Chase Ultimate Rewards?

There are many benefits to booking through Chase Ultimate Rewards. If you're paying for travel, you'll earn elevated rewards through most Chase credit cards. If you're making point bookings through Chase Ultimate Rewards, you have the flexibility to stay at hotels that don't participate in a loyalty program. You also can enter your frequent flyer number on flight bookings and earn redeemable and elite-qualifying miles on your flights.

What is the best way to use Chase Ultimate Rewards?

The best way to use Chase Ultimate Rewards is for sweet spot award redemption through transfer partners.

Is it better to redeem points for cash or travel?

It's better to redeem Ultimate Rewards points for travel rather than cash. Depending on the type of Chase card you have, you'll typically get a much higher rate of return by redeeming points for travel.

Bottom line

The above strategies are just a sampling of the many redemptions available through the Ultimate Rewards program. If you have the Chase Sapphire Reserve , Chase Sapphire Preferred Card or Ink Business Preferred Credit Card , booking through the travel portal at a rate of 1.25 – 1.5 cents per point will be a solid baseline redemption for many travelers. However, to really get maximum value, look to utilize Chase transfer partners to book the flights and hotel rooms that otherwise would be outside of your means.

In any case, the Ultimate Rewards program provides a wide range of options to maximize your points and save you money — you just have to decide which ways to use Chase points are the most worthwhile to you.

If you're new to the points and miles game, check out our Beginner's Guide to learn more.

Additional reporting by Ariana Arghandewal, Benji Stawski and Victoria Walker.

Is The Chase Sapphire Preferred Worth It?

T he Chase Sapphire Preferred® Card * has long been one of the best travel credit cards on the market. But with many other valuable cards to choose from, does it deserve a place in your wallet? It still has one of the most versatile rewards programs available, but depending on your travel habits, it may not live up to your expectations.

Table of Contents

Those who want a huge welcome bonus.

When you first open the card, eligible applicants will earn . This welcome offer may be worth even more if you transfer them to one of the Ultimate Rewards program's travel transfer partners.

Those Who Want To Maximize Ongoing Rewards

The Sapphire Preferred may also be a good fit for people who spend a lot in its various bonus rewards spending categories. On an ongoing basis, cardholders earn:

• 5 points per dollar on Lyft rides through Mar. 31, 2025.

The Ultimate Rewards program offers a variety of ways to redeem your rewards. Cardholders can get 1.25 cents per point in value if they use their rewards to book travel through Ultimate Rewards.

Alternatively, they can get up to 1 cent per point in value for cash back, gift cards, select products, dining and more.

But if you're looking to squeeze as much value out of each point as possible, your best bet is to either redeem them for travel through Chase or to transfer them to one of the program's partners, which we will discuss next.

Those Who Want Access to Travel Partners

Sapphire Preferred cardholders can transfer their Ultimate Rewards points to one of the program's partners at a 1:1 ratio. Options include:

• British Airways
• Air France/KLM
• Singapore Airlines
• Southwest Airlines
• United Airlines
• Virgin Atlantic

Depending on the partner and how you redeem your rewards, you could get more or less than the 1.25 cent-per-point maximum with Chase. The value of your points or miles will be based on a variety of factors, including the specific itinerary or property, travel dates, cash value of the redemption and more.

If you're thinking about booking a hotel stay with Hyatt, for instance, visit the hotel brand's website and enter your travel dates for the property you're eyeing. You can find the redemption value by dividing the cash price by the number of points required to book the stay.

If a stay costs $150 or 8,000 points, you're getting 1.87 cents per point, which is better than the 1.25 cents per point you'd get if you booked that stay through Chase. Learning how to maximize rewards in this way can be time-consuming but it can also help you receive a lot more value from the points that you earn.

Those Who Want Extra Perks

Depending on how you use your card, you may be able to get enough value from its benefits alone to make up for its $95 annual fee. Here's what to expect:

• Up to $50 in statement credits each account anniversary year for hotel stays booked through Chase
• Complimentary DoorDash DashPass subscription for at least one year when you activate by Dec. 31, 2024
• A $10 monthly statement credit on Gopuff orders through Dec. 31, 2023
• Complimentary six-month Instacart+ membership plus $15 per quarter in statement credits on Instacart orders
• Trip cancellation and interruption insurance
• Primary auto rental collision damage waiver
• Baggage delay insurance
• Trip delay reimbursement
• Travel and emergency assistance services
• Purchase protection
• Extended warranty protection

Those Who Want to Avoid a High Annual Fee

Finally, since the Chase Sapphire Preferred® Card * has a modest annual fee compared to some of the other top travel credit cards out there, it could be a good fit if you're on a budget or you have a hard time stomaching a yearly charge of hundreds of dollars.

Read More: Chase Sapphire Preferred Benefits

Alternatives to the Chase Sapphire Preferred

If you're not certain that the Chase Sapphire Preferred® Card * is the right fit for you, here are some other potential options to consider.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® takes things up a notch in both the rewards and benefits departments, but also charges a $550 annual fee. Here's a quick breakdown of what the card offers:

• Redemption value of 1.5 cents per point on travel booked through Chase and on statement credits in select categories
• A $300 annual travel credit
• Complimentary access to more than 1,300 airport lounges around the world with Priority Pass Select
• A statement credit toward application for TSA PreCheck, Global Entry or NEXUS
• Increased partner benefits with Lyft, DoorDash and Instacart
• Enhanced travel and purchase coverages beyond what the Chase Sapphire Preferred® Card offers

The Sapphire Reserve's feature set makes it worthwhile mostly for serious travelers, especially those who fly often enough to derive solid value from the card's airport perks. But if you only travel once or twice per year or if road tripping is more your style, you may earn more everyday rewards from the Sapphire Preferred while paying a lower annual fee.

Read More: Chase Sapphire Preferred vs. Chase Sapphire Reserve

Capital One Venture X Rewards Credit Card

If you want to earn bonus miles on every purchase while also accessing premium perks, the Capital One Venture X Rewards Credit Card is a solid choice. The card does charge a $395 annual fee, but offers enough value to make up for it in benefits alone. Here's some of the highlights of what it offers:

• 10,000-mile bonus every year starting on your first anniversary
• $300 annual travel statement credit for bookings through Capital One Travel
• Complimentary access to Priority Pass Select and Plaza Premium Lounges, as well as to Capital One lounges
• Access to exclusive restaurants and culinary experiences through Capital One Dining
• Statement credit toward application for TSA PreCheck or Global Entry
• Ability to redeem points for travel through Capital One's travel portal or by booking directly with airlines, hotels or rental car companies and requesting a statement credit
• Miles earned can be transferred to more than 15 travel partners

If you value simplicity, you may appreciate the flat-rate earnings structure of the Capital One Venture X Rewards Credit Card. But you could ultimately earn more from the Sapphire Preferred if you have high spending in its bonus categories.

Read More: Chase Sapphire Preferred vs. Capital One Venture X

The Platinum Card® from American Express

For those who are okay with paying a steep fee in exchange for a mountain of luxury benefits and statement credits, The Platinum Card® from American Express (terms apply, see rates & fees ) can certainly deliver. Here's what you'll get as a cardholder:

• Receive $200 in statement credits per year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with the Platinum Card®
• Receive up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times and other participating providers
• Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card
• Access to several lounge networks including the Centurion Lounges, Priority Pass lounges, Plaza Premium lounges and more
• Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the card
• Get Uber VIP status and receive up to $200 in Uber savings on rides or eats orders in the U.S. annually.
• Receive up to $300 back each year on an Equinox+ subscription or any Equinox club membership when you pay with your Amex Platinum.
• Receive up to $189 back per year on CLEAR® Plus Membership when you use your card

For frequent travelers, The Platinum Card® from American Express provides a bevy of benefits that's difficult for other rewards cards to match. But it's important to verify that you'll actually use enough of the available credits to earn back the card's annual fee. If several of the Platinum's benefits would go unused, you may actually obtain more value from the lower-cost Sapphire Preferred.

Bottom Line: Is the Chase Sapphire Preferred Worth It?

In addition to attractive bonus spending categories, the Chase Sapphire Preferred® Card * provides a lot of value on the redemption side through the Chase Ultimate Rewards® program and comes loaded with a respectable number of extra protections and partner benefits. But depending on your travel goals, preferences and spending habits, it might not be the right fit.

It's always a good idea to ask if a card is worth its annual fee, and the Chase Sapphire Preferred® Card * is no exception. Be sure to calculate your expected return before hitting that apply button. If you can utilize the card's rewards and benefits more than the $95 annual fee, then you can rest easy knowing that you've chosen a card that works for you.

To view rates and fees for The Platinum Card® from American Express please visit this page .

Frequently Asked Questions (FAQs)

How do i get approved for the chase sapphire preferred.

We estimate good or excellent credit is required for a customer to receive approval for the Chase Sapphire Preferred®. According to FICO, good credit means a credit score of 670 or above. Be sure to check your credit score before you apply to gauge your approval odds. Note that Chase will also consider other factors, including your income, credit history, recent inquiries and more. If you've opened five or more credit cards in the last 24 months, you likely won't get approved for the card due to the 5/24 rule .

How do I downgrade the Chase Sapphire Preferred?

If you decide that the Chase Sapphire Preferred® Card * isn't the right card for you, but you don't want to close the account for credit purposes , you may be able to downgrade your account to the Chase Freedom Flex℠ * or Chase Freedom Unlimited® . Contact Chase directly by calling the number on the back of your card to see if you're eligible.

How long does it take for the Chase Sapphire Preferred Card to arrive?

After you've been approved, you should receive your new card in the mail within seven to 10 business days. That said, Chase allows new cardholders to start using their account instantly if they add it to their digital wallet, including Apple Pay, Google Pay and Samsung Pay.

How do I upgrade the Chase Sapphire Preferred to the Sapphire Reserve?

If you have the Chase Sapphire Preferred® Card * but want to take advantage of the Sapphire Reserve®‘s enhanced rewards and benefits, you may be able to upgrade your account by calling the number on the back of your card. Keep in mind, though, that if you upgrade, you won't be eligible to receive the welcome bonus on your Chase Sapphire Reserve®. If you want that, you'll need to cancel your Chase Sapphire Reserve® and wait at least 48 months since you first earned that card's welcome bonus.

How much do you have to spend to make the Chase Sapphire Preferred worth it?

Like many travel rewards credit cards, the Chase Sapphire Preferred® Card * offers enough value through its benefits that if you use many of them, you technically don't need to make up for its annual fee through rewards.

That said, if you aren't sure you'll use any of the ancillary benefits you'd have to spend at least $7,600 to $9,500 (depending on how you redeem your rewards) in non-bonused spending each year to break even with the annual fee. If you utilize the card's bonus earning categories, the spending requirement goes down considerably.