Can I Convert Chase Ultimate Rewards to Starwood Points?

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

Starwood Preferred Guest® Credit Card from American Express

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  • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR Regular APR Annual Fee Balance Transfer Credit Rating
N/A 15.49%-19.49% Variable $0 introductory annual fee for the first year, then $95. See Terms Excellent Credit