2026 Guide

How to Use Chase Ultimate Rewards Points for Flights

Chase Ultimate Rewards (UR) is widely considered the most valuable transferable points currency available to U.S. cardholders — with 14 airline and hotel partners and 1:1 transfer ratios across the board.

Here's the key insight most beginners miss: points transferred to airlines are worth far more than points redeemed through the Chase travel portal. The portal gives a fixed 1.25–1.5 cents per point. Transfer to the right airline partner and book a business class seat, and you can routinely get 3–6 cents per point — sometimes more.

This guide covers everything: all 14 transfer partners, the five best sweet spots in 2026, a step-by-step booking walkthrough, and beginner mistakes worth avoiding — in plain English.

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Quick Stats

Chase Ultimate Rewards at a Glance

Everything you need before you start, in one place.

14
Transfer Partners (airline + hotel)
1:1
Transfer Ratio (most partners)
Instant
Transfer Speed (most airlines)
2–6¢
Value Per Point (via transfers)

Cards that earn transferable Ultimate Rewards points

Only these cards unlock the ability to transfer to airline and hotel partners.

CSP

Chase Sapphire Preferred®

Earns 3x on dining, 2x on travel. $95/year. The classic starter card for points travel.

CSR

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.

IBP

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 AllianceInstant

The 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

Oneworld

Avios (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 Surcharges

Arguably 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 Promos

Flying 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 Cabins

KrisFlyer 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

Oneworld

Despite 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

Independent

Emirates 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

Domestic

Southwest 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

Independent

Despite 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

Oneworld

Ireland'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 Gem

A 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 Partner

Included 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.

Not sure which partner has seats on your route?

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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.

1

United Polaris Business Class → Europe

Transfer Chase → United MileagePlus → book on united.com

~57,500
points one way

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.

2

Aeroplan Business Class → Europe (No Surcharges)

Transfer Chase → Air Canada Aeroplan → book on aircanada.com

~65,000
points one way

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.

3

Flying Blue Promo Award → Transatlantic Economy

Transfer Chase → Flying Blue → book during monthly promo

~22,000
points round trip

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.

4

Virgin Atlantic → Delta One Business to Europe

Transfer Chase → Virgin Flying Club → book on virginatlantic.com

~50,000
points one way

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

Rare & Elite
~90–110k pts one way

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.

1

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.

2

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.

3

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.

4

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.

5

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.

6

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.

C

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
A

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?
The best way to use Chase Ultimate Rewards points is to transfer them to an airline loyalty program and book award flights. Top options include United MileagePlus for Polaris business class to Europe (~57,500 points one way), Air Canada Aeroplan for Star Alliance flights with no fuel surcharges (~65,000 points to Europe in business), and Air France/KLM Flying Blue during monthly promo awards for as low as 22,000 points round trip in economy to Europe. Transferring points to airlines almost always returns 2–5x more value than redeeming through the Chase travel portal.
How do I transfer Chase points to airlines?
Log into your Chase account at chase.com, go to Ultimate Rewards, and select 'Transfer to travel partners.' Choose your airline, enter your frequent flyer number, confirm the amount, and submit. Most transfers are instant. Important: always confirm award seat availability on the airline's website BEFORE you transfer — transfers are permanent and cannot be reversed.
Can I transfer Chase points to United?
Yes. Chase Ultimate Rewards transfers to United MileagePlus at a 1:1 ratio — 1,000 Chase points becomes 1,000 United miles. United is one of the most popular Chase transfer partners. Before transferring, also check Air Canada Aeroplan for the same route — Aeroplan often prices identical Star Alliance flights for fewer miles with no fuel surcharges.
Which Chase card earns the most points for travel?
The Chase Sapphire Reserve earns 3x points on all travel and dining (after the $300 annual travel credit). The Sapphire Preferred earns 2x on travel and dining with a lower annual fee. The Ink Business Preferred earns 3x on the first $150,000 spent annually on travel, shipping, advertising, and internet/cable/phone. All three cards earn transferable Ultimate Rewards points.
Do Chase points expire?
Chase Ultimate Rewards points do not expire as long as your credit card account stays open and in good standing. If you close your card, points are typically forfeited within 30 days unless transferred to another Chase card that earns Ultimate Rewards. Points moved to airline programs are then subject to each airline's own expiration rules.
Can I combine Chase points from multiple cards?
Yes. Points from multiple Chase cards — like a Sapphire Preferred plus a Freedom Flex — can be combined into one account through the Chase Ultimate Rewards portal. You need at least one card that unlocks transfers (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred) to move the combined balance to airline partners.
Is it better to transfer Chase points or use the travel portal?
Almost always, transferring to an airline partner delivers more value. The Chase travel portal gives Sapphire Reserve holders 1.5 cents per point and Sapphire Preferred holders 1.25 cents per point. Transferring to an airline and booking business class typically returns 3–6+ cents per point. The portal is convenient for last-minute economy bookings; transfers are where the real value lives.

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