Best ways to redeem Chase Ultimate Rewards points for hotel stays
Editor's Note
There are many reasons why Chase Ultimate Rewards points are one of the most popular transferable rewards currencies. With travel costs seemingly always increasing, redeeming points, specifically for hotel stays, can save you serious dough.
TPG values Chase points at 2.05 cents each as of June 2025, and you can often get at least this much — if not more — out of your points by booking hotels through one of the program's transfer partners or the Chase Travel℠ portal. Here, we'll cover tips and tricks to help you maximize your Chase points on a hotel stay.
Who are Chase’s hotel Transfer partners?
You can transfer your Ultimate Rewards points on a 1:1 basis to Chase’s three hotel partners, allowing you to redeem points for hotel stays through these programs:
To redeem Chase Ultimate Rewards points through these partners, all you have to do is enter your loyalty program information into your Chase Ultimate Rewards account and transfer the points you need. Transfers are usually instant, allowing you to book your hotel stay with points almost immediately.
You can also book virtually any hotel worldwide using Ultimate Rewards points through the Chase Travel portal.
Transferring Chase Ultimate Rewards points to World of Hyatt
Chase’s secret maximization weapon is the lucrative World of Hyatt loyalty program. While most advice about redeeming flexible points for maximum value centers around airline transfer partners, Hyatt’s very reasonable award chart is a compelling exception. You’ll find sweet-spot redemptions at both the upper and lower ends of the chart, with award rates starting at just 3,500 points per night for Category 1 properties on off-peak dates.
Category 7 hotels are a great option for Chase Hyatt redemptions; you can often get well above TPG’s June 2025 valuation of 1.7 cents apiece at these properties, which cost 25,000 points per night on off-peak dates.
You can also redeem Hyatt points at all-inclusive resorts, which follow a separate award chart. For example, an off-peak night for two guests at a Category A property would set you back only 12,000 points.
Finally, it’s worth considering the Mr & Mrs Smith boutique hotels and Under Canvas glamping properties that have now been integrated into the World of Hyatt program, though these don't offer as much value for your points. Instead of using Hyatt’s award chart, Mr & Mrs Smith properties are dynamically priced and cannot be booked with free night certificates. Still, there may be some worthwhile redemptions to be found, especially if you have your eye on an ultraluxurious property that would be out of reach with cash.
Related: Best Hyatt hotels in the world
Transferring Chase Ultimate Rewards points to Marriott Bonvoy
Unfortunately, not all of Chase’s hotel partners are as useful for redeeming Ultimate Rewards points.
Marriott Bonvoy did away with its award chart in 2022 and has since undergone multiple devaluations, resulting in much higher redemption rates. While the most you’d ever pay for a night at a top-tier Hyatt hotel is 45,000 points, Marriott’s dynamic pricing model means there are no limits to how many points a hotel can cost. In fact, six-figure redemptions are not uncommon.
For example, basic rooms at Marriott’s Courtyard Bali Seminyak Resort go for around $200 or 31,000 points per night. Instead, you could use 35,000 Chase points to book a peak night at the Category 7 Park Hyatt Maldives Hadahaa, worth $800 or more.
So, should you ever transfer Chase points to Marriott Bonvoy? Here are a few scenarios where it might make sense:
- If you have a Marriott redemption in mind but are short a few points, you may want to top up your account by transferring points from Chase.
- If your Marriott points are set to expire, transferring 1,000 Ultimate Rewards points is a quick way to keep them alive.
- If Chase is running a transfer bonus, you can transfer points to Marriott Bonvoy at a better ratio.
- If you plan to stay five nights, Marriott’s fifth-night-free perk can save you tens of thousands of points.
- If you need more miles at one of Marriott's airline transfer partners, you can transfer some of your Ultimate Rewards points to reach the number of miles required for your redemption.
Related: Ways to maximize Marriott Bonvoy award night redemptions
Transferring Chase Ultimate Rewards points to IHG One Rewards
For all the reasons that transferring Ultimate Rewards points to Marriott typically won't maximize your Chase points, transferring to the IHG One Rewards program can provide even less value. IHG’s award pricing is even more inflated than Marriott’s, meaning the same number of points won’t get you as far.
Like Marriott, IHG One Rewards doesn’t publish a full award chart. To check award rates, search for your dates and see how many points you need.
Take the Holiday Inn Express Columbus — Ohio Expo Center. You can reserve a standard room for 31,000 IHG One Rewards points.
TPG values 31,000 Chase points at $635.50, per our June 2025 estimates, but the cash rate for this room is just $162. In other words, the value you’ll get for your Chase points by transferring and redeeming them through IHG is far below average.
However, you may find value in transferring Chase points to IHG to keep your IHG points from expiring or if you’re just short of a redemption, especially if you have access to the fourth-night-free perk provided by select IHG credit cards. Otherwise, it’s almost always a bad idea.
Related: IHG elite status: What it is and how to earn it
Redeeming Chase Ultimate Rewards points via the Chase Travel portal
If you’re a free-agent traveler and not loyal to a single hotel chain, you might find the best use of your Chase points is through the Chase Travel portal. This allows you to redeem Chase Ultimate Rewards points for many independent hotels that would otherwise not be bookable with points.
Instead of paying with cash for your hotel stay, you’ll have the option to pay with points at a rate that varies depending on which card you hold. (Note that these rates have recently changed with the introduction of Chase's Points Boost.)
- Chase Sapphire Reserve® (see rates and fees)and Chase Sapphire Reserve for Business℠ (see rates and fees): Redeem your points at a rate of up to 2 cents each through the portal, depending on the specific redemption (see your rewards program agreement for full details).
- Chase Sapphire Preferred® Card (see rates and fees) and Ink Business Preferred® Credit Card: Redeem your points at a rate of up to 1.5 cents each for hotels through the portal, depending on the specific redemption (see your rewards program agreement for full details).
- Chase Freedom Flex® (see rates and fees), Chase Freedom Unlimited® (see rates and fees), Ink Business Cash® Credit Card (see rates and fees) and Ink Business Unlimited® Credit Card (see rates and fees): If you don’t hold another card that earns Ultimate Rewards points, your rewards are worth 1 cent each through the portal.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Alternatively, you can book paid stays through the Chase Travel portal and earn bonus rewards on those purchases. The Chase Sapphire Reserve earns 8 points per dollar spent on hotels purchased through Chase Travel, while the Chase Sapphire Preferred, the Chase Freedom Flex and the Chase Freedom Unlimited earn 5 points per dollar (or 5% cash back). This also would allow you to take advantage of the Sapphire Preferred’s annual $50 hotel credit, which is only valid on Chase Travel bookings.
Keep in mind that since Chase Travel is a third-party online travel agency, you generally won’t earn hotel points or elite night credits on these bookings or be able to access any elite status benefits you may have. The exception is The Edit by Chase Travel, which allows you to double-dip with the hotel’s loyalty program at some properties.
Related: Things to consider when choosing to book via a portal vs. booking directly
How do I earn Chase Ultimate Rewards points?
You can earn Ultimate Rewards points by spending on select Chase credit cards. Here are the cards that earn Ultimate Rewards points, along with their current welcome bonuses:
- Chase Sapphire Preferred Card: Earn 75,000 bonus points after spending $5,000 on purchases in the first three months of account opening.
- Chase Sapphire Reserve: Earn 125,000 bonus points after spending $6,000 on purchases within the first three months from account opening.
- Chase Sapphire Reserve for Business: Earn 200,000 bonus points after spending $30,000 in the first six months after opening an account.
- Ink Business Preferred Credit Card: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
The above Ultimate Rewards-earning options are great all-around travel credit cards, offering no foreign transaction fees, travel insurance and a variety of other travel perks.
The following four cards are technically billed as cash-back credit cards. However, if you have an Ultimate Rewards-earning card, you can effectively convert your cash-back rewards into Ultimate Rewards points. For this reason, it can make sense to have more than one Chase card to maximize your earning and redeeming potential.
Even better? None of these cards charge annual fees.
- Chase Freedom Flex: Earn $200 after spending $500 on purchases in the first three months from account opening.
- Chase Freedom Unlimited: Earn $300 after spending $500 on purchases in the first three months from account opening.
- Ink Business Cash Credit Card: Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.
- Ink Business Unlimited Credit Card: Earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Bottom line
One of the best uses of Chase Ultimate Rewards points is transferring them to Hyatt and redeeming them at low-category or high-end hotels. But with Chase's new Points Boost, you can also get solid value when redeeming points through the Chase Travel portal, depending on the redemption.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.