A guide to transferring points through Chase Ultimate Rewards®
Quick insights
- Most Chase Ultimate Rewards® point transfers process by the next business day, but it may take up to 7 business days.
- Award availability could change while waiting for a points transfer, but Chase cardmembers can take steps to help mitigate this risk.
- Points can be transferred between your Chase accounts, those of your household and, for business credit cards, company co-owners.
Chase cardmembers can transfer points to various airline and hotel partners, as well as among Chase accounts. Transferring points may be a good option for cardmembers looking to maximize their points. They can transfer points at a 1:1 ratio with many Chase transfer partners, or they can consolidate points into a single Chase account—preferably the one with the highest redemption value.
Timing varies depending on the participating frequent partner program, and the process can take up to 7 business days. This can potentially pose challenges if the cardmember’s preferred award (travel-related services like flights and hotels booked using loyalty points or miles) is booked before the points transfer occurs. Because of this, it can be a good idea to book after the point transfer is complete.
In this article, we’ll dive into the timeline for transferring points through the Chase Ultimate Rewards portal and offer some tips for booking your preferred award.
Chase Ultimate Rewards: Points transfer times
Point transfers through Chase Ultimate Rewards can process instantly, but can sometimes take up to 7 business days. We’ll let you know if your point transfer request can’t be completed.
Tips for transferring points to partner programs
Transferring points to partner puts you one step closer to booking that hotel you’ve been eyeing for your trip to Rome or whatever destination you have in mind. The following tips may help you avoid changes in award availability while waiting for a points transfer:
- When selecting an itinerary, look for flights with multiple award seats available to limit the chances of seats being booked while you wait for points.
- Consider reservations through programs that allow you to put your award reservation on hold while transferring points.
- Consider transfer partners that offer multiple itineraries that fit your trip plans so that you have backup options.
It can also be helpful to check that the name you provided to the transfer partner’s loyalty program matches the name on your Chase credit card exactly. Mismatching names could result in a delay in point transfer.
Transferring points between Chase accounts
In addition to transferring points to a partner, you have the option to transfer points between your own Chase accounts. Consolidating points in a single Chase account could be advantageous as some accounts have higher redemption values than others.
Depending on your credit card, you may be able to convert cash back rewards into points and transfer them to another account through Chase Ultimate Rewards.
Beyond your own accounts, points can be transferred to your spouse or other household members. For Chase for Business® credit cards, you can transfer points to a company co-owner’s account.
How to maximize points with Chase cards
Interested in boosting your points-earning potential? These tips may help maximize credit card points:
- Make sure your current Chase credit cards match your spending habits.
- Monitor promotions that offer points for specific activities or spending.
- If you’re considering a new credit card, look for welcome bonus offers that allow you to earn points by meeting certain spending requirements in the first few months.
- Pair credit cards strategically to maximize your points earning potential. For instance, you could pair a card with rewards on everyday spending with one that rewards travel and dining purchases.
- Look out for referral bonuses. You may earn points if a friend applies for and is approved for a Chase credit card using a referral link you provide.
- Consider upgrading your credit card account if you find a Chase credit card that better aligns with your spending.
Explore these Chase rewards credit cards to see if you could be earning more points.
In summary
Most point transfers process by the next business day, but the process may take up to 7 business days. Waiting for a points transfer may be stressful, as award availability could change while you wait. You can take steps to limit this risk, such as transferring points to partners who have multiple awards that work with your trip plans or who allow you to put award reservations on hold.
In addition to transfer partners, points can be transferred between your Chase accounts and those of your household. Chase for Business cardmembers can also transfer points to company co-owners.
