How Long Do Chase Ultimate Rewards Points Transfers Take?

If you’re collecting miles & points through credit card spending, I always recommend doing what you can to accrue transferable points currencies.

That’s because these points are much more flexible than when you’re earning an individual airline or hotel points currency. You have the ability to transfer these points to all kinds of travel partners, and you’re safeguarded from a devaluation in a specific points currency.

More from OMAAT Transfer Chase Points To Air France-KLM Flying Blue With 20% Bonus: Worth It? Read more

With that in mind, in this post I wanted to address all the basics of transferring Chase Ultimate Rewards points. How many partners does Chase Ultimate Rewards have, how long does it take for points to transfer, who can you transfer points to, etc.

How many airline and hotel partners does Chase Ultimate Rewards have?

As of now, Chase Ultimate Rewards has 14 airline and hotel transfer partners — that includes eleven airline partners and three hotel partners.

The 11 airline partners include the following:

• 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

The three hotel partners include the following:

• IHG One Rewards
• Marriott Bonvoy
• World of Hyatt

Some might argue that Chase really only has 12 partners, since you can transfer points between Aer Lingus, British Airways, and Iberia pretty freely, assuming your accounts meet certain requirements.

How long does it take to transfer Chase Ultimate Rewards points in November 2026?

Below is a chart with how long it typically takes to transfer Chase Ultimate Rewards points:

As you can see:

• Transfers to 12 partners are typically instant
• Transfers to Marriott Bonvoy and Singapore KrisFlyer are the only ones that aren’t instant; the KrisFlyer transfers are most inconsistent, and sometimes take less than a day, and sometimes take significantly longer

Are there fees associated with transferring Chase Ultimate Rewards points?

No, there are no fees associated with transferring Chase Ultimate Rewards points. This is one advantage of Chase Ultimate Rewards over Amex Membership Rewards, since Amex imposes small fees when you transfer points to US airline partners.

Can you transfer Chase points to someone else’s Chase account?

Chase lets you pool the points you earn on all cards in your name that accrue Ultimate Rewards points. On top of that, you can move your points to another Chase account of someone in your household. Do note that if you abuse this benefit, Chase may close your account.

Here are the terms associated with that:

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account and you’ll lose all your points.

Can you transfer Chase points to someone else’s airline or hotel accounts?

You can transfer your Chase Ultimate Rewards points to a loyalty program belonging to you, or one additional household member who is also listed as an authorized user on your card. Once you transfer points to an authorized user, that person will be the only authorized user eligible to receive points transfers.

What cards earn Chase Ultimate Rewards points?

Some of the best cards for earning Chase Ultimate Rewards points include the following:

• The Chase Sapphire Preferred® Card (review) offers 3x points on dining, online groceries, and select streaming services, and 2x points on travel; the card has a $95 annual fee
• The Chase Sapphire Reserve® (review) offers 3x points on dining and 4x on air/hotel booked direct, plus a $300 annual travel credit; the card has a $795 annual fee
• The Ink Business Preferred® Credit Card (review) offers 3x points on the first $150,000 spent in combined purchases annually on travel, shipping purchases, internet, cable, and phone services, and advertising purchases made with social media sites and search engines; the card has a $95 annual fee

On top of that, the following four no annual fee cards earn points that can be converted into Chase Ultimate Rewards points at a 1:1 ratio in conjunction with one of the above cards:

• The Chase Freedom Flex® (review) offers 5x points in rotating quarterly categories, on up to $1,500 of spending per quarter, plus 3x points on dining and drugstores; the card has no annual fee
• The Chase Freedom Unlimited® (review) offers 1.5x points on everyday spending, plus 3x points on dining and drugstores; the card has no annual fee
• The Ink Business Cash® Credit Card (review) offers 5x points on the first $25,000 spent in combined purchases each anniversary year on cellular phone, landline, internet and cable TV services, plus 2x points on the first $25,000 spend in combined purchases each anniversary year on gas stations and restaurants; the card has no annual fee
• The Ink Business Unlimited® Credit Card (review) offers 1.5x points on all business purchases; the card has no annual fee

Should you transfer Chase points to travel partners?

In general, the best use of Chase Ultimate Rewards points is to convert them into airline miles or hotel points. Specifically, my favorite transfer partners are Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Executive Club, Emirates Skywards, Singapore Airlines KrisFlyer, and particularly World of Hyatt. However, you only want to do this once you’ve figured out the award you want to book, have verified availability, and are sure you understand how that program works.

If you’re someone who prefers to redeem your points as cash back toward travel, be sure you at least maximize the value. You get different value out of the points depending on the most premium card you have (these values are when redeeming through Chase Travel℠):

• If you have the Chase Sapphire Reserve®, you can redeem each point for up to 2 cents toward a travel redemption with Points Boost
• Otherwise, if you have the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card, you can redeem each point for up to 1.75 cents toward a travel redemption with Points Boost

Personally, I value Chase Ultimate Rewards points at 1.7 cents each, so this isn’t how I’d choose to redeem them. That being said, if you can get up to 2 cents of value per point, that’s potentially a great deal if you have the right card combo.

For example, if you have the Chase Freedom Unlimited® in conjunction with the Chase Sapphire Reserve®, you’d be looking at a return of up to 3% toward travel on everyday, non-bonused spending (since the Freedom Unlimited offers 1.5x points on all purchases).

Bottom line

Chase Ultimate Rewards is one of the all-around most valuable points currencies out there. Chase Ultimate Rewards has some great transfer partners, and some might find it worthwhile to redeem the points for up to 2 cents each toward purchases through Chase Travel℠ with Points Boost.

On top of that, the points are pretty easy to rack up thanks to all the great cards that accrue Ultimate Rewards points.

If you have any data points on how long Chase Ultimate Rewards points transfers have taken you, please share them below, so that I can keep the chart as accurate as possible!