Best ways to redeem Chase Ultimate Rewards points for hotel stays

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:

• World of Hyatt
• Marriott Bonvoy
• IHG One Rewards

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.

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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 (see rates and fees): 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.

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 150,000 bonus points after spending $20,000 on purchases within the first three months from account opening.
• Ink Business Preferred Credit Card: Earn 100,000 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 a $250 bonus after spending $500 on purchases within 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.