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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
How long do Chase Ultimate Rewards points take to transfer to partner programs?
Ben Smithson is a senior writer for TPG and is based in London. Originally from Australia and a qualified lawyer with a financial services background, he has almost a decade of experience writing about a broad range of travel and loyalty topics.
July 13, 2026 • 9 min read
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Editorial note: This is a recurring post, regularly updated with new information and offers.
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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
Ultimate Rewards points can be transferred to a wide range of airline and hotel partners, with most transfers processing instantly at a 1:1 ratio.
Transfer times were tested across 14 programs, and only one partner required up to 48 hours for points to appear; all others were immediate.
Transfers are generally irreversible, so careful planning is recommended to avoid being left with unused points if award availability changes.
Points can be moved between your own accounts or to a spouse, household member or business co-owner's account, subject to program rules.
What to consider
Award availability may change during the transfer process, so placing a reservation on hold or having backup options is advised.
Name mismatches between your card and loyalty accounts can delay or prevent successful transfers.
Some transfer ratios may change for specific partners after certain dates; check current terms before transferring.
What you'll miss from the article
A detailed chart of transfer times by partner and practical tips to minimize risks when moving points for award bookings.
Generated by AI with support from our editorial team.
As with any transferable points program, an essential aspect of using Chase Ultimate Rewards points is knowing how long it takes to transfer them to whichever partner you want to utilize. Long transfer times make planning and booking awards more difficult, especially when availability is limited. American Express Membership Rewards offers some instant transfers, while Citi ThankYou Rewards transfers can take up to a week.
Here’s what you can expect with transfer times for your Chase points.
Chase Ultimate Rewards transfer times
We enlisted the help of numerous TPG teammates to determine the time it takes for Chase Ultimate Rewards points to transfer to partners.
CHASE
We gathered data points from staffers who transferred points to their corresponding airline and hotel partner accounts over the last several months. We then tracked how long it took for them to show up. Here’s what we found:
*New (see rates and fees) and (see rates and fees) cardholders who apply on or after June 15, 2026, can transfer Chase points to World of Hyatt at a 4:3 rate. Existing cardholders of either card can transfer Chase points to Hyatt at a 1:1 rate until Sept. 30, 2026 and then at a 4:3 rate from Oct. 1, 2026 onward.
Out of the 14 programs, Ultimate Rewards transferred to 13 partners instantly, and we never waited more than two days for points to appear in any program. In most cases, any applicable transfer bonuses are also posted instantly.
Of course, these transfer times represent our experiences and shouldn’t be considered hard-and-fast rules. However, others have reported a similar timeline when transferring points from Chase Ultimate Rewards.
Your transfers may be faster or slower — especially if it’s your first transfer or you just recently signed up with a loyalty program — but you can use them as guidelines when planning your trips.
Things to consider before transferring Ultimate Rewards
While these results set a high bar for any transferable points program, there’s still some risk that award availability can change while waiting for points to appear in your account. Transfers in the majority of cases are irreversible, so you could be stuck with thousands of points in a program you have little use for if the flight or hotel room you were banking on disappears.
One former TPG credit card writer transferred points to Aeroplan to book a Turkish Airlines award ticket online, but kept receiving an error during payment.
A quick call to Aeroplan revealed a disconnect between their systems and Turkish Airlines regarding availability, and because of this, Aeroplan offered to reverse the transfer, as the phantom availability showing was their mistake.
LIUBOMYR VORONA/GETTY IMAGES
Even though Ultimate Rewards points transfer almost instantly, consider the following tips to help you avoid a situation in which award availability disappears while waiting for points to transfer.
Make sure the name on your Chase credit card matches exactly the name on your loyalty program account.
If the program allows, place your award reservation on hold before transferring your points.
Choose flights that have more than one available award seat. This is helpful if someone else books before your points or miles post. You can run a single search for three or four passengers to get an idea of how many seats are available.
Have a backup plan. If your original itinerary is kaput because availability has dried up, consider another option (or multiple options) so you can still book when your points arrive.
If your original flights disappear, don’t panic. Remember that award availability changes frequently and can increase dramatically as your departure date approaches. Check regularly, and be ready to act quickly when seats do open up.
Can you transfer Ultimate Rewards to someone else’s account?
Chase allows you to transfer points freely among your own accounts. You can even convert cash-back rewards earned with a card like the (see rates and fees)or the (see rates and fees) into transferable Ultimate Rewards points, but you'll need an Ultimate Rewards-earning card to be eligible for this transfer option.
DELMAINE DONSON/GETTY IMAGES
You can also transfer your points to another Ultimate Rewards account belonging to your spouse or household member. If you have a business card like the , you can transfer your points to an Ultimate Rewards account belonging to a company co-owner.
How to earn Chase Ultimate Rewards points
If you’re looking to give your Ultimate Rewards account a boost, there are currently three Chase cards offering generous rewards and substantial welcome bonuses:
: Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
(see rates and fees): Earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
(see rates and fees): Earn 200,000 bonus points after spending $30,000 on purchases within the first six months from account opening.
: Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
Just keep in mind that Chase enforces the 5/24 rule, meaning that if you’ve opened five (or more) cards at any bank in the last 24 months, you will likely not be approved by Chase.
Transferring Ultimate Rewards points to airline and hotel partners is often the best way to get the most value out of your points.
Whether you’re looking to book a cheap domestic ticket through Southwest Airlines or a first-class Star Alliance adventure, this program can help you get there. With points transferring instantly at a 1:1 ratio to nearly all transfer partners, earning Ultimate Rewards points is worth it for almost any traveler.
Chase Sapphire Preferred® Card
TPG editor's rating4.5
TPG editor's rating4.5
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5x
Earn 5x on travel purchased through Chase Travel℠.
3x
Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
2x
Earn 2x on all other travel purchases.
1x
Earn 1x on all other purchases.
Intro offer
75,000 bonus points.
Annual fee
$95
Regular APR
19.49% - 27.74% Variable
Recommended credit
670-850
Excellent/Good
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5x
Earn 5x on travel purchased through Chase Travel℠.
3x
Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
2x
Earn 2x on all other travel purchases.
1x
Earn 1x on all other purchases.
Intro offer
75,000 bonus points.
Annual fee
$95
Regular APR
19.49% - 27.74% Variable
Recommended credit
670-850
Excellent/Good
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
Chase Sapphire Preferred® Card
TPG editor's rating4.5
TPG editor's rating4.5
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5x
Earn 5x on travel purchased through Chase Travel℠.
3x
Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
2x
Earn 2x on all other travel purchases.
1x
Earn 1x on all other purchases.
Intro offer
75,000 bonus points.
Annual fee
$95
Regular APR
19.49% - 27.74% Variable
Recommended credit
670-850
Excellent/Good
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
