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Can I Convert Chase Ultimate Rewards to Starwood Points?

by on August 10, 2014 · 5 comments

in American Express, Citi, Starwood, Ultimate Rewards

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TPG reader Suzette sent me a message on Facebook asking:

Hey –  need your help, how can I convert my Chase Points to SPG Points?”

I always get questions from people wanting to convert one type of frequent flyer mile, hotel point, or credit card point into another. Generally you don’t do that - once you accrue miles and points in a certain currency, it’s usually pretty difficult to turn it into another currency.

Unfortunately for Suzette, you can’t convert Chase Ultimate Rewards points to Starwood Preferred Guest points, at least not at a ratio that will make any sense whatsoever. Points.com will allow you to trade with other people or convert your points between currencies, but you’re going to lose a majority of the value and you’ll have to pay fees to do it, so it’s not worthwhile.

Points.com will allow you to buy and transfer points to other people.

Points.com allows you to buy and trade points, but not at a good ratio.

If you need SPG points I would get the Starwood Amex which comes with 25,000 StarPoints: 10,000 after your first purchase, and an additional 15,000 when you spend $5,000 within the first 6 months. Starwood Preferred Guest points are the most valuable points currency out there per my monthly valuations, and that’s for good reason. SPG points are also really hard to get, but once you earn them, you can transfer to 32 different airlines or use them for hotel stays.

The main credit card programs American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Starwood Preferred Guest allow you to transfer out, but you can’t transfer back in at any ratio that would make sense. In general, if you want to accrue points in a certain currency, you have to have a strategy in place and it can’t just be last minute shuffling of your points or you’ll lose a lot of value.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at [email protected]

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • Ven

    You’d get a better transfer ratio converting them to Hyatt points and staying at a Hyatt since Hyatt: SPG is a lot better then anything you could get a points.com

  • Redpanda

    I think the SPG card is the best 1x spending card out there, the hotel redemption offer excellent value and transferring to airline programs is always great with the 25% bonus. All of this with a relatively low, $65 annual fee is a great deal.

  • Taffygrrl

    This reminds me of a question I have. When using points (say, from a Chase Sapphire card), is one better off using them to book a hotel or to book a flight? And is it possible to use them to upgrade an Economy class ticket to business class, or can that only be done if you’re a frequent flyer on that airline using their miles? (I guess that’s two questions!)

  • Redpanda

    In my opinion, it depends on what value you can redeem those points at. I think the Hyatt Gold Passport program has some amazing redemption values, same with British Airways. United Airlines also has some value, maybe not as high as the other two. In the end its good to compare all options and see which one gets you the most value out of your points. Upgrading using miles will depend of the Airline’s rules regarding upgrades. I’m not too familiar with the system, but I know united allows you to search for upgradable flights, and depending on your elite status and destination lets you upgrade those flights for 10-30k miles each way

  • anon

    if you just want spg hotel nights, transfer UR to amtrak then redeem for starwood certs. restrictions apply.

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