Quick Stats
Chase Ultimate Rewards at a Glance
Everything you need before you start, in one place.
Cards that earn transferable Ultimate Rewards points
Only these cards unlock the ability to transfer to airline and hotel partners.
Chase Sapphire Preferred®
Earns 3x on dining, 2x on travel. $95/year. The classic starter card for points travel.
Chase Sapphire Reserve®
Earns 3x on all travel and dining. $550/year. Best for frequent travelers who can use the $300 travel credit and lounge access.
Ink Business Preferred® Credit Card
Earns 3x on the first $150K/year on travel, shipping, advertising, and phone/cable/internet. $95/year.
Good to know: No-fee Chase cards like the Freedom Flex and Freedom Unlimited earn Ultimate Rewards too, but those points can only be transferred to airlines if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred. Think of it as a "key" — the premium card unlocks airline transfers for all your Chase points at once.
Transfer Partners
Chase Transfer Partners: Full List & Best Uses
Chase transfers to 11 airline and 3 hotel partners at a 1:1 ratio. Here's what each is genuinely useful for.
All transfers are 1,000 Chase points → 1,000 airline miles unless noted.
United MileagePlus
Star AllianceInstantThe most popular Chase partner. United miles are strong for domestic U.S. travel and the best-known sweet spot: United Polaris business class to Europe. They also let you book flights on other Star Alliance carriers — Lufthansa, ANA, Singapore Airlines, and more. One caution worth knowing: always compare United's mileage rate to Aeroplan for the same flight, since Aeroplan often prices identical seats lower.
British Airways Avios
OneworldAvios (British Airways' points currency) are priced by distance, making them excellent for short-haul flights — especially domestic American Airlines hops (as few as 7,500 Avios one way). Also works for partner bookings on Iberia, Finnair, and others. Note: fuel surcharges on transatlantic British Airways flights can be high, so for long-haul, other partners often win.
Air Canada Aeroplan
Star AllianceNo Fuel SurchargesArguably the best all-around Chase transfer partner. Aeroplan covers the full Star Alliance network — Lufthansa, Swiss, ANA, Singapore, Turkish, United, and more — with no fuel surcharges on partner flights, and often has better award availability than United for the same aircraft. Business class to Europe starts around 55,000–70,000 points. Check Aeroplan before United for any Star Alliance itinerary.
Air France / KLM Flying Blue
SkyTeamMonthly PromosFlying Blue releases monthly Promo Awards — discounted routes on specific dates, often 25–50% off standard rates. Transatlantic round trips can drop to 22,000–28,000 points during promos. Also covers Delta and other SkyTeam carriers. Check the Flying Blue site around the last week of each month for new promos.
Singapore Airlines KrisFlyer
Star AlliancePremium CabinsKrisFlyer miles unlock Singapore Suites — widely considered the world's finest commercial airline cabin, with private double-bed suites. Extremely rare award space, but a genuine bucket-list redemption. KrisFlyer also works for partner flights on Lufthansa, United, ANA, and more.
Iberia Avios
OneworldDespite sharing the Avios currency name with British Airways, Iberia Avios is a separate program with its own pricing. It offers some of the cheapest transatlantic business class rates: as few as 34,000 Iberia Avios one way to Madrid in off-peak business class — one of the best-value premium redemptions anywhere.
Emirates Skywards
IndependentEmirates Skywards miles book Emirates first class — featuring private suites and onboard showers on A380 aircraft. Award space is limited and fuel surcharges can be significant. Best for travelers who specifically want the Emirates experience on long-haul routes.
Southwest Rapid Rewards
DomesticSouthwest uses cash-proportional pricing, so points are worth roughly 1.5 cents each on any fare. The real reason to transfer Chase points here: chasing the Companion Pass, which lets a designated companion fly free with you for up to two years — one of the most valuable perks in all of travel.
Virgin Atlantic Flying Club
IndependentDespite the name, this program's standout use is booking Delta flights. Virgin Flying Club prices Delta One business class to Europe at around 50,000 points one way — far cheaper than Delta's own dynamic SkyMiles rates. If you want a flat-bed Delta flight without unpredictable SkyMiles pricing, this is the path.
Aer Lingus AerClub
OneworldIreland's national carrier uses the Avios currency. A niche but useful option for U.S. East Coast to Europe routing via Dublin. Business class can be booked for roughly 50,000–60,000 Avios one way, with a well-regarded transatlantic product.
Turkish Airlines Miles & Smiles
Star AllianceHidden GemA hidden gem favored by experienced points travelers. Turkish miles can book any Star Alliance airline — Lufthansa, ANA, Singapore, and more — at some of the lowest mileage rates available: around 45,000–55,000 miles for U.S.–Europe business class. Trade-off: most Star Alliance partner awards must be booked by phone with Turkish, which takes some patience.
World of Hyatt (+ IHG, Marriott)
Hotel PartnerIncluded here for completeness. Of the three hotel partners, Hyatt offers by far the best value — luxury properties bookable for 25,000–40,000 points that would otherwise cost $400–$800+/night in cash. This page focuses on flights, but if you have surplus points, Hyatt is the hotel partner worth knowing.
2026 Sweet Spots
Best Chase UR Redemptions in 2026
The five specific award bookings that consistently deliver the most value from Chase Ultimate Rewards. Point ranges are approximate as of early 2026.
United Polaris Business Class → Europe
Transfer Chase → United MileagePlus → book on united.com
United's Polaris product features fully flat-bed seats with direct aisle access — the same cabin that retails for $3,000–$5,000+ on many routes. At roughly 57,500 United miles (transferred from Chase 1:1), you're getting 5–8 cents of value per point. Search for "saver" award space on united.com, shown in blue on the booking calendar.
Aeroplan Business Class → Europe (No Surcharges)
Transfer Chase → Air Canada Aeroplan → book on aircanada.com
Aeroplan is the underrated powerhouse of Chase partners. It books across all of Star Alliance (Lufthansa, Swiss, ANA, Singapore...) with no fuel surcharges on partner flights, and often has better award availability than United for the same aircraft. If you're flying Star Alliance to Europe, check Aeroplan before committing anywhere else.
Flying Blue Promo Award → Transatlantic Economy
Transfer Chase → Flying Blue → book during monthly promo
Every month, Flying Blue releases Promo Awards — deeply discounted rates on specific routes. Transatlantic round trips to Europe in economy can drop to 22,000–28,000 points. Routes and dates are limited, so flexibility is key. Check around the last week of each month. When a promo works for your dates, transfer and book immediately — award seats go fast. The rule always applies: confirm availability before transferring.
Virgin Atlantic → Delta One Business to Europe
Transfer Chase → Virgin Flying Club → book on virginatlantic.com
Delta's own SkyMiles uses dynamic pricing that can reach 150,000+ miles for a business class seat in peak demand. Virgin Flying Club prices the same Delta One flat-bed seats at a fixed ~50,000 points one way to Europe — a far more predictable and often much cheaper option. Check award availability on virginatlantic.com before transferring.
Singapore Suites — The Aspirational Redemption
Transfer Chase → Singapore KrisFlyer → book on singaporeair.com
Singapore Suites — the A380 double-bed private suite — retails at $15,000–$20,000+ per person. With KrisFlyer miles, it can be done for approximately 90,000–110,000 miles one way, depending on region. Award seats are extremely scarce; you need flexibility and need to move fast when space opens. Note: Amex Membership Rewards also transfers to KrisFlyer, making this goal reachable from either program.
How To Book
How to Transfer Chase Points and Book an Award Flight
Transferring takes about five minutes. This walkthrough covers the full process from finding a seat to completing your booking.
⚠️ The Golden Rule — Read This First
Always confirm award seat availability on the airline's website BEFORE you transfer your Chase points. Once you transfer, it's immediate and permanent — Chase cannot reverse it. If you transfer and then find no seats available on your dates, those points are gone. Find the seat first. Then transfer.
Find the Award Seat First
Go to the airline's website (e.g., united.com, aircanada.com, virginatlantic.com) and search for award availability on your route and dates. Look for the lowest "saver" level pricing. Screenshot the exact flight number, date, and point cost. Don't assume the seat will be there tomorrow — award space disappears quickly.
Log Into Chase Ultimate Rewards
Go to chase.com and sign in. Click your eligible Chase card (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred) and select "Go to Ultimate Rewards" to enter the rewards portal.
Navigate to Transfer Partners
In the Ultimate Rewards portal, look for "Transfer Points" or navigate to "Use Points → Transfer to Travel Partners." You'll see the full list of airline and hotel partners.
Select the Airline and Enter Your Loyalty Number
Choose your airline and enter your frequent flyer account number. If you don't have an account yet, create one first — it's free. Make sure the name on your airline account exactly matches the name on your Chase account.
Enter the Points Amount and Confirm
Enter how many points to transfer (in increments of 1,000). Chase will show you the equivalent miles received. Review carefully, then submit. Chase will display a warning that transfers are irreversible — this is your last chance to double-check that the award seat is still available.
Wait for Miles to Arrive, Then Book
Most Chase transfers arrive instantly or within minutes. Some programs (like British Airways Avios) can take 24–72 hours. Once the miles appear in your airline account, return to the airline site, find the same flight, and complete the award booking. You'll typically pay a small cash amount in taxes and fees — usually $5–$100 for economy, sometimes more for certain international routes.
💡 Pro tip: Before transferring, check if Chase is running a transfer bonus on your target partner. Occasionally Chase offers a 20–30% bonus — e.g., transfer 50,000 points and receive 60,000 miles. These are rare and short-lived, but worth checking. A 30% bonus on 50,000 points is 15,000 free miles.
Comparison
Chase UR vs. Amex MR: Which Is Better for Flights?
Both programs are excellent — here's an honest comparison of where each wins.
Chase Ultimate Rewards
- ✓Better for domestic U.S. travel — United and Southwest both strong partners
- ✓Star Alliance coverage via Aeroplan & United with no fuel surcharges option
- ✓Travel portal gives a cash-out option useful for last-minute economy
- ✓More beginner-friendly — simpler card lineup, easier to navigate
- ~Fewer international premium cabin partners than Amex
Amex Membership Rewards
- ✓Better for international premium cabins — ANA, Cathay Pacific, Turkish access
- ✓21 transfer partners vs. Chase's 14 — broader airline coverage
- ✓Delta SkyMiles transfer partner (no Chase equivalent)
- ✓Also transfers to Singapore KrisFlyer for Suites
- ~No domestic partners like United or Southwest
The honest verdict
Chase and Amex aren't competitors — they're complementary. Many experienced travelers hold cards from both and use each for its strengths. If you're choosing one to start, Chase is generally more beginner-friendly and more useful for domestic travel. If you travel internationally in premium cabins frequently, Amex's broader partner list eventually becomes the edge.
For the full picture on the Amex side: Amex Membership Rewards: How to Use Points for Flights →
Avoid These
Common Mistakes with Chase UR
These are the most frequent costly errors beginners make — and exactly how to avoid them.
Transferring to United When Aeroplan Books the Same Seat for Fewer Miles
United MileagePlus is popular, but it's not always cheapest — even for United or Star Alliance flights. Air Canada Aeroplan can often book the exact same Lufthansa, Swiss, or United flight for fewer miles and no fuel surcharges. Before transferring to United, spend five minutes checking the same route on aircanada.com. This single habit can save tens of thousands of points per redemption.
Redeeming Through the Portal at 1.5¢ When You Could Get 3¢+ via Transfer
The travel portal is convenient but leaves enormous value on the table for premium flights. A business class seat worth $3,000 that you can book for 57,500 Chase points via United represents ~5.2 cents per point — more than triple the portal rate. Save the portal for last-minute economy bookings where transfer partners don't have space.
Transferring Points Before Confirming Award Seat Availability
The single most painful beginner mistake — and it's irreversible. Transferring 57,500 points to United and then discovering there's no saver award space on your dates means those points are gone with nothing to show for it. The golden rule: find the seat on the airline's website first, then transfer. Always.
Forgetting to Check for Transfer Bonuses First
Chase occasionally runs limited-time transfer bonuses (20–30% extra miles to a specific partner). These aren't heavily advertised and expire quickly. Getting into the habit of checking the Chase UR portal before a planned transfer can meaningfully stretch your balance — a 30% bonus on 50,000 points is 15,000 free miles.
Not Combining Points Across Multiple Chase Cards
If you hold a Sapphire Preferred plus a Freedom Flex, those points live in separate accounts by default. You can combine all Chase Ultimate Rewards points into a single account through the portal — often the difference between "almost enough" for a business class award and having a ready balance. Takes about 60 seconds to do.
FAQ
Frequently Asked Questions
The most common questions from beginners about Chase Ultimate Rewards.
What is the best way to use Chase Ultimate Rewards points?
How do I transfer Chase points to airlines?
Can I transfer Chase points to United?
Which Chase card earns the most points for travel?
Do Chase points expire?
Can I combine Chase points from multiple cards?
Is it better to transfer Chase points or use the travel portal?
Get Started
Search Award Flights
with Your Chase Points.
PointPilot helps you find available award seats across all major airlines — so you can confirm space before you transfer your hard-earned Chase points.
Try PointPilot →Free to use · no account needed · no points required to search
Learn More
Related Guides
How to Fly With Points →
The complete beginner's guide to award travel — programs, strategies, and your first booking.
Business Class With Points →
How to book lie-flat business class for a fraction of the cash price.
Award Flight Search Tool →
Why searching matters and how PointPilot compares to other tools.
Amex Membership Rewards Guide →
The sister program to Chase UR — 21 partners and strong for international premium cabins.