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The Guide to Chase Transfer Partners

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Chase airline transfer partners

Chase hotel transfer partners, which chase sapphire transfer partners are the best, chase points calculator, how to earn chase ultimate rewards® points, chase travel cards with transfer partners, how do you transfer chase points, using chase transfer partners: is it worth it.

Chase Ultimate Rewards® are some of the most valuable transferable points available. Called Chase Ultimate Rewards® points, they can be redeemed for travel through Chase's travel portal for 1 cent each on certain cards. However, they can be redeemed at a higher value of 1.25 cents each if you have a Chase Sapphire Preferred® Card or an even more impressive 1.5 cents each if you have a Chase Sapphire Reserve® . That type of exchange on its own makes for an excellent way to redeem Chase Ultimate Rewards® points .

However, that's not necessarily the best way to redeem Chase points because three specific Chase cards available in 2024 offer what might be potentially far more value.

The cards at play here are the:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Ink Business Preferred® Credit Card .

» Jump to learn more about these card options .

With those cards, you have the additional option to send those points to one of Chase's transfer partners , which are generally hotel chains and airlines. And assuming you hold (or someone in your household owns), one of those three Chase cards, you'll very likely unlock even greater value out of your spending rewards when you use one of the Chase Ultimate Rewards® transfer partners. That's because converting Chase points to hotel points or airline frequent flyer miles can often maximize their value.

Here's a summary of each Chase transfer partner and how you can get the most from your Chase points.

» Learn more: The best travel credit cards right now

Of the 14 Chase Ultimate Rewards® transfer partners, 11 are airline mileage programs, which are:

Aer Lingus AerClub

Aer Lingus AerClub became one of the Chase travel partners in 2017. While not officially part of the Oneworld alliance, Aer Lingus partners with several Oneworld airlines — most notably British Airways, Iberia and Qatar .

Air Canada Aeroplan

There are plenty of reasons not to overlook Aeroplan — the newest of the Chase Sapphire airline partners. Air Canada is a Star Alliance member, so you can use Aeroplan points to book award flights on any Star Alliance airline, including United.

Seek out those Aeroplan sweet spots to help boost the value of Aeroplan points to 1.4 cents for award tickets.

» Learn more: A guide to Air Canada’s Aeroplan rewards loyalty program

Air France-KLM Flying Blue

Flying Blue is the loyalty program of Air France, KLM, Kenya Airways and a few smaller airlines. Because many Flying Blue airlines are members of the SkyTeam alliance , you can transfer points from Chase to Flying Blue to book award flights on other SkyTeam member airlines, such as Delta Air Lines.

The Flying Blue program offers a monthly Promo Rewards promotion that discounts certain routes by up to 50% — which can make Flying Blue sweet spots even a better deal.

» Learn more: A points collector’s guide to Air France-KLM Flying Blue

British Airways Executive Club

Most travelers might think of flights to London when thinking about British Airways. However, that's not where the value of British Airways Avios lies. In fact, most British Airways Avios sweet spots don't involve flying British Airways.

Instead, use this Chase transfer partner to book inexpensive awards on American Airlines, Alaska Airlines and other Oneworld partners — including flying to the Caribbean .

» Learn more: The complete guide to the British Airways Avios program

Emirates Skywards

Dubai-based Emirates Airlines is best known for its glitzy business- and first-class products. And while premium cabins command huge cash prices, paying with miles through the Emirates Skywards loyalty program is possible and considered the best use of miles (as opposed to using miles to book in the Emirates economy class ). A NerdWallet analysis found that you only get about 0.6 cent per mile in value for Emirates economy, but the value of Emirates miles jumps up if you redeem an award in Emirates business class.

Unfortunately, the Emirates Skywards sweet spots are limited — particularly on partner airlines. That said, the Skywards program is one of only a few ways to book Emirates first class with points since the airline restricts award availability through partner airlines.

» Learn more: The guide to Emirates Skywards

Iberia Plus

Just like British Airways, Iberia is a member of the Oneworld alliance and uses the Avios program. And after Iberia's recent overhaul to its award chart , award rates to book American Airlines flights match the British Airways Executive Club’s rates on partner airlines. However, other Iberia sweet spots include some incredible gems. Iberia often offers among the cheapest business class awards to Europe .

» Learn more: What to know about Iberia Airlines Plus loyalty program

JetBlue TrueBlue

JetBlue uses a revenue-based TrueBlue points program in which the required number of points for an award roughly equates to the cash price of the flight. That means you can't get outsized value from redeeming TrueBlue points.

However, just because the program doesn't have an upside doesn't mean JetBlue isn't a good Chase transfer partner. TrueBlue points are worth 1.5 cents per point — making it a valuable currency for economy flights among U.S. airlines.

» Learn more: The complete guide to the JetBlue TrueBlue rewards program

Singapore Airlines KrisFlyer

Singapore Airlines is another Star Alliance Chase travel partner that can provide excellent premium cabin redemptions. Singapore KrisFlyer sweet spots include flights to Europe and Hawaii, and flights within the continental U.S. Luxury travelers also flock to KrisFlyer, as it's typically the only way to book the award-winning Singapore first class product with points.

» Learn more: The guide to Singapore Airlines’ KrisFlyer frequent flyer program

Southwest Airlines Rapid Rewards

Like JetBlue, Southwest uses a revenue-based redemption program, where points prices correlate with cash prices. This means you don't have to seek out sweet spots to get good value from your Southwest Rapid Rewards points.

Instead, the value of Southwest Rapid Rewards is a predictable 1.5 cents per point when redeemed for Southwest flights. Steer clear of other Rapid Rewards redemptions for hotels, rental cars or merchandise though, as the redemption value can drop to 0.6 cents per point.

» Learn more: The complete guide to Southwest Rapid Rewards

United MileagePlus

United joins JetBlue and Southwest as the three U.S.-based Chase Sapphire airline partners. MileagePlus miles are worth around 1.2 cents per mile when redeemed for United economy flights .

In addition to redeeming miles on United, you can redeem United MileagePlus miles for award flights on other Star Alliance partners. Just keep in mind that United can charge more miles for partner awards.

» Learn more: The complete guide to United MileagePlus program

Virgin Atlantic Flying Club

London-based Virgin Atlantic is a member of the SkyTeam alliance and it uses a different redemption chart for each partner, meaning the Flying Club sweet spots are just as diverse as its partners.

» Learn more: The guide to Virgin Atlantic Flying Club

Chase has just three hotel loyalty program parters, which are:

IHG One Rewards

The IHG loyalty program is good, but it's generally a weak Chase transfer partner.

NerdWallet values IHG points at 0.8 cent each. But since Chase points transfer to IHG One Rewards at the same 1:1 transfer ratio as all other partners, that makes for a pretty bad transfer that can actually devalue your points. Unless you find a killer IHG redemption, only transfer points from Chase to IHG to top off your account if you're a few points shy of booking a hotel you want with the rest of your IHG points. Otherwise, you’re generally better off booking IHG hotels via Chase's portal.

» Learn more: What you need to know about IHG One Rewards

Marriott Bonvoy

Marriott Bonvoy is one of the largest hotel loyalty programs around. You can redeem Bonvoy points for free nights and room upgrades at over 7,000 properties across more than 30 brands.

However, bigger isn't always better. When NerdWallet analyzed the value of Marriott Bonvoy points , we found that points were worth around 0.8 cent each. That puts Marriott in the same category as IHG, where points often lose their value when you transfer them from Chase to Marriott Bonvoy.

Considering Chase points can be redeemed for 1.25 cents or 1.5 cents each (depending on which Sapphire card you have), make sure that you're getting at least this much value before transferring Chase points to Marriott Bonvoy — which is unlikely. With that, save Bonvoy transfers only for situations where you find an outstanding hotel deal, or if you need just a few more points to book using your existing Bonvoys.

» Learn more: The complete guide to the Marriott Bonvoy program

World Of Hyatt

World of Hyatt is undoubtedly Chase's most valuable hotel transfer partner — and perhaps its most valuable travel partner overall, too. In NerdWallet's analysis, World of Hyatt points are worth 2.3 cents each when used for award stays.

Hyatt is one of a few hotel loyalty programs that still publishes an award chart . That means predictability in planning how many points an award stay may cost. Award nights start at 3,500 points, meaning you can really stretch out your Chase points at Hyatt hotels.

» Learn more: The complete guide to the World of Hyatt loyalty program

So that's a list of all the transfer partners — but which ones are the best? After all, some Chase travel partners are far better than others.

Before we dig into the best Chase Sapphire transfer partners, here's a complete overview of their estimated value, sorted in alphabetical order:

Using that estimated value stated above, here's the ultimate NerdWallet power ranking of the six best Chase transfer partners (with No. 1 being the best) are:

World of Hyatt.

Virgin Atlantic Flying Club.

JetBlue TrueBlue.

Southwest Airlines Rapid Rewards.

Air Canada Aeroplan.

Air France/KLM Flying Blue.

Best airline partner for Chase points

As far as Chase's airline transfer partners go, Virgin Atlantic Flying Club is Chase' best airline transfer partner. Even still, you can easily get more than 1 cent per point in value from Chase points when you transfer points from Chase to fixed-value programs like Southwest Rapid Rewards and JetBlue TrueBlue.

Other airline transfer partners can be hit-and-miss, such as Emirates, which is generally a miss when points are transferred to book Emirates economy class . But, it's usually a massive hit if you can transfer Chase points to be used for booking the incredibly-swanky Emirates business class on points.

Best Chase hotel transfer partner

Meanwhile, World of Hyatt comes out on top as the best Chase hotel partner. And not only is it the best hotel partner, but it's the best travel partner period given that eye-popping value over 2 cents.

NerdWallet's estimated value is exactly that — an estimate. You might find individually great redemptions while using other Chase transfer partners for specific trips.

Is it worth transferring Chase points to united?

While you might book hotels and airfares with cash or through Chase’s travel portal , it’s clearly often a better deal to put in the extra effort and transfer your points to one of Chase’s transfer partners — especially those named above. That said, folks seeking to maximize value should always calculate the value of the Chase Ultimate Rewards® points relative to the price to pay for airfare or hotel rooms in cash.

Use NerdWallet’s Chase points calculator below to determine the value of your points, based on both the baseline and NerdWallet estimated values:

With a little bit of research, you can get even more value through other Chase Ultimate Rewards® transfer partners versus using them to book travel directly through Chase's travel portal.

The most common way to earn Chase Ultimate Rewards® points is through spending on a Chase credit card that participates in Chase Ultimate Rewards®. You might earn points through taking advantage of introductory offers — where you can get a windfall of points upon meeting a certain threshold within a window of time upon card approval — and via ongoing spending.

Just note that not all Chase credit cards earn transferable Ultimate Rewards® points. That said, Chase cards that do earn transferable Ultimate Rewards® points include:

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Chase Freedom Flex℠

Chase Freedom Unlimited®

Ink Business Preferred® Credit Card

Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

Some of these cards offer bonus points in certain categories, so someone seeking to maximize their points earning might have multiple cards in their wallet to use depending on the transaction. To maximize points, you might use the Chase Sapphire Preferred® Card to pay at restaurants (it earns 3 points per $1 spent on dining), the Chase Freedom Flex℠ to pay at drugstores (it earns 3% back at drugstores) and the Ink Business Cash® Credit Card to pay the monthly internet bill (it earns 5% back on internet, cable and phone services, up to a combined $25,000 in annual spending).

Even though the latter two cards don't let you transfer your rewards directly to any of the above airline or hotel partners, you can transfer them to another card that you hold (or that someone in your household holds), as long as that card is one of the cards that allows for transfers to partner airline and hotel brands.

The three Chase travel cards with transfer partners are the Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® and the Ink Business Preferred® Credit Card .

on Chase's website

Annual fee: $95 .

Earning rates:

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Bonus offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Annual fee: $550 .

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Bonus offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Bonus offer: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.

Use this guide to learn how to transfer Chase points between two credit cards you own.

Here's how to to transfer Chase points to family member or spouse .

Once you've got all the points you need in one account, you're ready to then send them to the actual airline or hotel loyalty program you want to convert your Chase points into. Learn how to transfer Chase Ultimate Rewards® points to travel partners here.

Chase may lag other transferable bank point currencies like American Express, Capital One and Citi when it comes to the raw number of transfer partners. But some say that size matters not (at least in terms of number of transfer partners).

It's more about their value — and some Chase travel partners are particularly valuable. Just look at Hyatt as an example. Using this Chase hotel partner can morph a point that might be worth a measly 1 cent each when exchanged for Chase to something worth more than 2 cents when used for a Hyatt hotel room. That offer becomes even more tantalizing when you consider that NerdWallet ranks World of Hyatt among the most valuable hotel rewards programs out there.

With that, Chase Ultimate Rewards® points rank among the most valuable transferable points available.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

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Chase Ultimate Rewards Transfer Partners and How To Use Them [2024]

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Aer Lingus AerClub

Air canada aeroplan, air france-klm flying blue, british airways executive club, emirates skywards, iberia plus, jetblue trueblue, singapore airlines krisflyer, southwest rapid rewards, united mileageplus, virgin atlantic flying club, ihg one rewards, marriott bonvoy, world of hyatt, chase shopping portal, how to transfer ultimate rewards, should you transfer to a partner or book through chase, other ways to use your points, combining ultimate rewards from different accounts, redeeming ultimate rewards, final thoughts.

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Chase Ultimate Rewards points are perhaps the most valuable points out there. Thanks to their flexibility and transfer options, we regularly give Chase Ultimate Rewards one of the best valuations in our monthly valuations . There are plenty of great ways to earn Ultimate Rewards points and even more fun ways to redeem them for award flights and hotel stays.

In this post, we’ll show you all of Chase’s transfer partners, how to transfer Ultimate Rewards to these partners, and much more. After reading our guide, you’ll be ready to book an amazing getaway!

Chase Airline Transfer Partners

The Chase Ultimate Rewards program currently has 11 airline transfer partners — the latest program, Air Canada Aeroplan, was added in August 2021.

Points transfer to all these airlines at a 1:1 ratio, which is one of the reasons Ultimate Rewards points are so valuable.

Major Hub: Dublin (DUB)

Airline Alliance: None, but has airline partners

Aer Lingus is a part of the International Airlines Group (IAG), which also includes British Airways, Iberia, and Qatar Airlines, so you’ve got some flexibility when it comes to how you redeem your Aer Lingus AerClub Avios . That said, its award chart isn’t quite as valuable as many of the other Chase Ultimate Rewards transfer partners.

However, it does offer a couple of solid sweet spots for those looking to travel to The Emerald Isle. On off-peak dates, you can book a one-way ticket from the U.S. East Coast to Dublin for 13,000 Avios in economy or 50,000 Avios in business class.

Major Hubs: Calgary (YYC), Montréal (YUL), Toronto (YYZ), and Vancouver (YVR)

Airline Alliance: Star Alliance

Air Canada Aeroplan is easily one of the best Chase transfer partners for premium cabin award tickets thanks to its lucrative partner award chart .

For instance, you could fly one-way in business class to South America or most European destinations for 60,000 points. If you prefer to fly to Asia in business class, that would be 85,000 points so long as the distance covered is less than 11,000 miles.

Further, Aeroplan can be exceptional for award bookings because of its low taxes and fees on many partner tickets, and you can add a stopover on any itinerary for just 5,000 more points.

Major Hubs: Paris (CDG), Amsterdam (AMS)

Airline Alliance: SkyTeam

Another excellent option for economy and business class tickets between the U.S. and Europe is the Flying Blue program . Redemption rates are already quite reasonable, with solid award availability as well. You can often find one-way economy tickets to Europe for as low as 22,500 miles and one-way business class tickets for 56,500 miles.

While those rates are decent on their own, the Flying Blue program offers Promo Rewards each month that can drop the award ticket price for select routes by 25% to 50%, allowing you to get stellar value out of Flying Blue miles.

Major Hubs: London Heathrow (LHR), London Gatwick (LGW)

Airline Alliance: Oneworld

British Airways Executive Club gets a lot of flack in the points in miles community due to the large fuel surcharges for both economy and business class tickets between the U.S. and Europe. However, British Airways Avios can be incredibly useful for short-haul tickets that can often be relatively expensive.

For instance, U.S. domestic nonstop flights under 1,150 miles on American Airlines and Alaska Airlines cost just 9,000 Avios in each direction, along with low taxes of just $5.60. This can take you between destinations like New York and Miami, Chicago and Houston, or Seattle and Los Angeles.

Major Hub: Dubai (DXB)

While Emirates Skywards offers some of the most sought-after award redemptions for business and first class on its signature A380, and more recently its game-changer first class on the 777 , the airline has also gone through a recent string of devaluations that have made this award more expensive through higher fuel surcharges .

Fortunately, one great sweet spot remains that allows you to fly Emirates’ fifth freedom routes between the U.S. and Athens or Milan, for 85,000 miles in first class one-way, or an incredible 90,000 miles round-trip in business class, with significantly lower taxes and fees.

Major Hub: Madrid (MAD)

Another entry into the Avios family is Iberia Plus . Unsurprisingly, its award program has a decent amount of overlap with the others, but its award pricing between the U.S. and Spain presents an incredibly sweet spot for award travelers.

It’s common to see many U.S. carriers charge 30,000 points to fly between the U.S. and Europe in economy class, but Iberia charges just 34,000 Avios to fly between the U.S. and Madrid in business class on off-peak dates — one of the cheapest ways to get across the pond in business class.

Major Hubs: New York (JFK), Boston (BOS)

JetBlue is a low-cost U.S. carrier that is known for its great inflight product both in economy and its Mint business class seats.

However, since its TrueBlue loyalty program ties award redemptions to the cash cost of the ticket, you’ll usually receive just 1.1 cents per point towards Mint redemptions , and 1.3 to 1.4 cents per point on economy tickets.

This can be a better deal than booking through the Chase Travel portal for Chase Sapphire Preferred cardholders with a 1.25 cent per point redemption rate, but a poor choice for Chase Sapphire Reserve cardholders with a 1.5 cent per point redemption rate. That said, you can often get much more value out of your Chase Ultimate Rewards points using other transfer partners.

Major Hub: Singapore (SIN)

While you might overlook Singapore Airlines KrisFlyer as an option for domestic travel, as a Star Alliance partner it offers great award pricing on domestic United flights, including 17,500 miles for flights between the U.S. mainland and Hawaii, and 27,500 miles for flights between the U.S. and Europe.

Singapore miles are also your only option if you want to book a highly sought-after ticket in Singapore Suites class between the U.S. and Singapore or its fifth freedom route between the U.S. and Frankfurt.

Major Hubs: Atlanta (ATL), Baltimore (BWI), Chicago (MDW), Dallas (DAL), Denver (DEN), Houston (HOU), Las Vegas (LAS), Los Angeles (LAX), Oakland (OAK), Orlando (MCO), Phoenix (PHX)

Airline Alliance: None

Southwest is the world’s largest low-cost carrier with an award program in Rapid Rewards that’s similar to JetBlue in that it operates on fixed value redemptions, allowing you to usually get between 1.3 to 1.4 cents per point on your redemption that is tied to the cash cost of the ticket.

Since you can often get much more value out of your Chase Ultimate Rewards points than this, we generally advise against transferring to Southwest. However, one sweet spot is for those who have the Southwest Companion Pass , as your redemption value doubles on tickets where your companion flies with you for free.

Major Hubs: Chicago (ORD), Denver (DEN), Houston (IAH), Los Angeles (LAX), Newark (EWR), San Francisco (SFO), Washington DC (IAD)

In addition to being one of the most well-known Chase transfer partners for U.S. flyers, United MileagePlus also benefits from being able to book award travel on fellow Star Alliance airlines with low taxes and fees. In terms of booking tickets on its own metal, now that United has moved to dynamic pricing, getting outsized value using its currency isn’t quite as easy as it once was.

However, it does offer the incredibly valuable United Excursionist Perk , which allows you to tack on a free one-way flight on round-trip bookings for no added miles, so long as the flight is within the same region. For example, you could fly from the U.S. to Istanbul, Istanbul to London, and London back to the U.S., and your Istanbul to London leg (a 4-hour flight covering 1,500 miles) costs no added miles.

Major Hub: London Heathrow (LHR), Manchester (MAN)

The second largest carrier based out of the U.K., Virgin Atlantic doesn’t participate in an airline alliance but offers several great partnerships that award travelers can take advantage of.

One of which is booking Delta One business class awards between the U.S. and Europe for just 50,000 miles one-way, which is far less than what Delta would charge using its own miles to book these awards. You can also book ANA first class awards between the U.S. and Japan for as low as 55,000 miles one-way.

Chase Hotel Transfer Partners

Ultimate Rewards can also be transferred to 3 hotel rewards programs. Like Chase’s airline partners, all transfers to hotel partners occur at a 1:1 ratio.

Headquarters: Denham, England

Number of Properties: ~6,000

The IHG One Rewards program recently went through a revamp, but as a dynamically-priced program, it seldom makes sense to transfer your Chase Ultimate Rewards points.

For instance, we value IHG One Rewards points at 0.5 cents per point, so any redemptions above that level are generally considered to be a good value. Given that, it wouldn’t make sense to transfer Chase Ultimate Rewards points, which are worth a minimum of 1.25 cents per point through the Chase Travel portal, to a program where getting half of that value would be considered a good deal.

Headquarters: Bethesda, Maryland

Number of Properties: ~8,500

As with IHG, we seldom advise against transferring your hard-earned Chase Ultimate Rewards points to Marriott Bonvoy where nights at top-tier hotels can cost upwards of 85,000 to 100,000 points per night. Not only is it fairly easy to get more value out of other Chase partners, but you’ll also find that you’d likely be better off booking a Marriott hotel through the Chase Travel portal than transferring to Marriott directly.

Headquarters: Chicago, Illinois

Number of Properties: ~1,200

If you thought Hyatt would be similar to the other 2 hotel programs, think again. The World of Hyatt program is one of the best Chase Ultimate Rewards transfer partners and a darling in the points of miles community thanks to the value its award chart offers.

While the program recently went through a devaluation with the addition of peak pricing, even the most expensive award nights in the portfolio don’t exceed 45,000 points per night. This means you can book free nights at top-tier Hyatt hotels for roughly half of what programs like Marriott and Hilton often charge for similar hotels.

Hot Tip: Use our transfer partner tool to see how many points you’ll get when you transfer your Chase Ultimate Rewards to partner airlines and hotels!

Earning Ultimate Rewards

With several Chase card options available, there are ample opportunities to earn Ultimate Rewards points  that can help you book your next trip.

Recommended Chase Cards (Personal)

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

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• The Chase Sapphire Preferred 80k or 100k Bonus Offer
• Benefits of the Chase Sapphire Preferred
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• Chase Sapphire Preferred vs Reserve
• Amex Gold vs Chase Sapphire Preferred

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• APR: 22.49%-29.49% Variable
• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
• Amex Gold vs Chase Sapphire Reserve
• Amex Platinum vs Chase Sapphire Reserve

Chase Freedom Unlimited ®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases
• No annual fee
• Earn big on travel purchased through Chase Travel
• Everyday bonus on dining and drugstores
• Straightforward cash-back on all other purchases
• Ability to pool points
• 3% foreign transaction fee
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars
• Cash Back Credit Cards
• No Annual Fee Cards
• Benefits of the Chase Freedom Unlimited
• Chase Freedom Unlimited Requirements and Credit Score
• Car Rental Benefits of the Chase Freedom Unlimited
• Chase Freedom Unlimited vs Chase Freedom Flex
• Amex Blue Cash Everyday vs Chase Freedom Unlimited
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Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• Excellent cell phone insurance
• Mastercard World Elite benefits
• 3% foreign transaction fees in U.S. dollars
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards ® , our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Benefits of the Chase Freedom Flex
• Amex Blue Cash Everyday vs Chase Freedom Flex
• Best 5% Cash Back Credit Cards
• Best Credit Cards for Cell Phone Protection
• Best Chase Credit Cards

Business owner? See our list of the best Chase business credit cards .

You can also shop through the Shop through Chase portal to earn extra Ultimate Rewards points when making purchases online. This is an easy way to boost your earnings on purchases you would make anyway.

Once you have some Ultimate Rewards points and are ready to transfer them to a partner to book your next big vacation, here are the simple steps to make the transfer process easy.

Step 1: After logging into the Ultimate Rewards site , select the appropriate card. If you want to transfer points, you will need to select a premium Ultimate Rewards card with an annual fee — these include the Chase Sapphire Reserve card , Chase Sapphire Preferred card , and the Ink Business Preferred ® Credit Card . You can combine Ultimate Rewards points under your chosen card from others that don’t have annual fees.

Step 2:  Select Transfer to Travel Partners under the Earn / Use drop-down menu.

Step 3:  Choose your desired airline and select Transfer Points .

You can also select from Chase’s hotel partners using the same steps.

Step 4:  If you haven’t already added your frequent flyer number or hotel rewards number, you will be prompted to do so.

Step 5:  Once you have linked your airline or hotel account to your Ultimate Rewards account, choose how many points you would like to transfer. Transfers must be done in increments of 1,000.

Step 6: Confirm the number of points you’re transferring and complete to transfer.

Step 7:  Head over to the appropriate airline or hotel program’s website to book your award flight or award stay.

Booking Travel With the Chase Travel Portal

Sometimes, making your flight or hotel booking through the Chase travel portal can make a lot of sense. With the Chase travel portal, the points needed for specific redemption are tied to the cash cost. So, if a flight or hotel stay is relatively inexpensive, to the point where the point cost ends up being less than going through a transfer partner, then the Chase travel portal is a perfect option.

If you have the Chase Sapphire Reserve card, each Ultimate Rewards point is worth 1.5 cents when booking through the portal. If you have a Chase Sapphire Preferred card or Ink Business Preferred card, each point is worth 1.25 cents when booking with the Chase travel portal.

Similar to the transfer process, you simply select Travel under the Earn / Use Points drop-down menu.

Check out an example of a travel portal booking below:

This round-trip economy class booking with Star Alliance airline United from San Francisco (SFO) to Honolulu (HNL) costs as few as 7,900 Ultimate Rewards points.

Let’s think about the booking discussed above. If you were to book this same itinerary by transferring the points to Chase partner United Airlines, it would cost 12,500 miles. In this case, booking through the portal would be a much better deal.

Bottom Line: To ensure you get the most out of your points, it’s important to check both the portal and transfer options when searching for flights.

The Chase travel portal allows you to book hotels at the same 1.5 cents per point for cardholders of the Chase Sapphire Reserve card or 1.25 cents per point with the Chase Sapphire Preferred card or Ink Business Preferred card.

You can also redeem your points for gift cards to merchants including Airbnb , Lowe’s, Home Depot , and Amazon . Additionally, you can redeem your points for statement credits. Unfortunately, these options are a very poor use of points in terms of value, and we do not recommend them!

Combining Ultimate Rewards from your different Chase accounts is a simple process. In the menu bar, you will see the points you have earned on your selected card. If you hover over the points available, you will see a drop-down menu of your cards and the available points from each.

Select Combine Points to consolidate your points under a single card. If you have the Chase Sapphire Reserve card, keep your Ultimate Rewards points there since they’ll be worth a minimum of 1.5 cents each.

Hot Tip: You can also combine points with 1 other household member . This is a great way to pool points with your significant other for a great redemption. 

Using your Ultimate Rewards points for travel is the best way to get the most value out of them. With multiple transfer partners and countless ways to redeem points for travel, it can be overwhelming!

We’ve compiled multiple lists of the best ways to use your Chase Ultimate Rewards for some incredible travel experiences. See below:

• The Best Ways To Use Ultimate Rewards Points
• The Best Ways To Use 10,000 (Or Fewer) Chase Ultimate Rewards Points
• The Best Ways To Use 100,000 Ultimate Rewards Points

The Chase Ultimate Rewards program should be a staple in your points-earning strategy. If you are just starting your miles and points journey, we recommend earning Ultimate Rewards initially. Check out our Beginner’s Guide to get started on the right track.

Chase Ultimate Rewards points are easy to earn, easy to redeem, and can get you excellent value when you use them properly. Before you know it, you’ll be taking a trip of a lifetime … and then doing it again!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What airlines can chase ultimate rewards points be used for.

There are multiple airline and hotel partners that you’re able to transfer your Ultimate Rewards points to. Refer to our table in this post for the most up-to-date transfer partners!

Can you transfer Chase Ultimate Rewards to another person?

You can transfer your Chase Ultimate Rewards to another person as long as they are a member of your household.

Can you transfer points between Chase credit cards?

Yes, but only to another Chase card that earns Ultimate Rewards points belonging to you or 1 member of your household.

Can you transfer points from an airline to Chase Ultimate Rewards points?

You cannot transfer miles or points from an airline to Chase Ultimate Rewards points. You also cannot get back any Ultimate Rewards points that you have already transferred to an airline partner — all transfers are final.

Do Ultimate Rewards points expire?

Your Ultimate Rewards points will not expire as long as your account remains open and in good standing.

How much are Ultimate Rewards points worth?

Generally, your Ultimate Rewards points will be worth 1 cent toward cash-back, 1.25 to 1.5 cents through the Ultimate Rewards travel portal (depending on which card you hold), or 2+ cents for redemptions made through transfer partners.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

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How to use chase ultimate rewards® for travel.

Whether you're a longtime cardholder or just starting your credit card journey with Chase, you may be wondering: What is the best way to use Chase points ? The answer will be different for everyone, but if you like to travel, you may find that using your points on your trips is your favorite way to spend them. Learning how to use Chase Ultimate Rewards to make the most of your points could help you pack in a few extra adventures when planning your next getaway.

How to earn Chase Ultimate Rewards points

Chase Ultimate Rewards points are redeemable points you can earn through welcome bonus offers or when making purchases with your Chase-branded cards, such as:

• Chase Sapphire
• Chase Freedom
• Chase Ink Business

You may also earn Ultimate Rewards at an accelerated rate on certain purchases or bonus categories — the typical rate is one point earned per dollar spent.

Redeeming Chase Ultimate Reward points

As a general rule of thumb, one point equates to $0.01 in redeemable value. This can fluctuate, however, depending on how you decide to redeem your points. When it comes to travel there are three main ways to redeem Ultimate Rewards points:

• Booking travel directly through the Chase travel portal.
• Transferring your points to Chase travel partners, such as airlines and hotels.
• Redeeming your points for gift cards or statement credits.

Using Ultimate Rewards points for travel

If you decide to redeem your Chase Ultimate Rewards to book travel, you may want to know what your options are. The main way you can redeem your points is through the Chase travel portal. There, you can directly find, book and pay for travel expenses such as flights, hotels, car rentals, cruises, tours and other activities or transfer points to hotel and airline partners.

When transferring your Ultimate Rewards to Chase travel partners, i.e. airlines and hotels, the transfer ratio is typically 1:1. That means that however many Ultimate Rewards points you have, you'll have the same amount in partner points with whichever Chase Ultimate Rewards travel partner you choose.

Why book through Chase Travel portal?

Something to note when using the portal is that the value of your points can change depending on which card you have.

For instance, if you have the Chase Freedom Unlimited ® card, your points are worth one cent each. With the Chase Sapphire Preferred ® or Ink Business Preferred ® cards, your points are each worth 1.25 cents. You'll get the highest value with the Chase Sapphire Reserve ® , as points are worth 1.5 cents each in the travel portal with that card.

If you have multiple eligible cards, you can combine your points to get the most out of them.

One of the benefits of booking through the Chase travel portal is that you can earn points on paid reservations. For instance, with Chase Sapphire Reserve ® you can earn 5x points on airfare and 10x points on hotels and rental cars booked through the portal.

You can book flights, hotels and rental cars directly through the travel portal, but if you want to book a cruise using Ultimate Rewards points, you'll have to call Chase directly.

There's no right or wrong when it comes to how to redeem Chase Ultimate Rewards points. However, if you've been bitten by the travel bug, you may find the best way to use them is by transferring them to Chase partners or booking through the Chase travel portal. Take some time to compare points transfers and the travel portal and see which one helps you make the most out of your points.

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Chase Ultimate Rewards transfer partner list

How to earn chase ultimate rewards points, best chase credit cards to earn ultimate rewards for travel, should you book through chase or transfer points to a partner, how to transfer chase ultimate rewards points, chase ultimate rewards transfer partners 2024: the best ways to redeem your chase points for travel.

These transfer partners can help you get more value from Chase Ultimate Rewards points.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Raina He is an editor at CNET Money. She writes and edits articles about personal finance, with a focus on credit cards, banking and loans. She graduated from the University of North Carolina at Chapel Hill with a B.A. in Media and Journalism. Before coming to CNET Money, she was an editor at NextAdvisor, a personal finance news site that shared a parent company with CNET Money.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

For Chase cardmembers, Chase Ultimate Rewards is one of the most popular travel rewards programs out there. However, not all cards that earn points in this program offer the same redemption options.

There are three Chase Ultimate Rewards credit cards that let you move your rewards to airline and hotel partners at a 1:1 ratio: the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® and the Ink Business Preferred® Credit Card .

Here’s everything you need to know about transferring your rewards with Chase Ultimate Rewards.

All of Chase’s travel partners allow 1:1 transfer values in increments of 1,000. This means 1,000 Chase Ultimate Rewards points can turn into 1,000 airline miles or 1,000 hotel points with any of the partner programs.

Note that all of Chase’s point transfers are one-way, meaning you can’t change your mind and move your points back after a transfer. 

So once you transfer your rewards to an airline or hotel partner, your points then belong entirely to that program and become subject to the program’s expiration policies and other fine print. While Chase Ultimate Rewards points never expire as long as your account is open, many airline and hotel currencies expire after 12 or 24 months of inactivity.

In total, Chase has 14 transfer partners -- 11 airlines and three hotels. Although that number is less than what American Express, Citi and Capital One offer, Chase has a few valuable transfer partners that the other three rewards programs don’t. These include Southwest Airlines Rapid Rewards and World of Hyatt.

While program transfer partners can change over time, here’s the current list of Chase’s partner frequent flyer programs and hotel loyalty programs.

Airline travel partners

Aer lingus, aerclub, air canada aeroplan, british airways executive club, emirates skywards, air france-klm flying blue, iberia plus, jetblue trueblue, singapore airlines krisflyer, southwest airlines rapid rewards, united mileageplus, virgin atlantic flying club, hotel transfer partners, ihg one rewards, marriott bonvoy, world of hyatt.

Aer Lingus is the national airline of Ireland, and the Aer Lingus AerClub program is its official loyalty program. This airline partners with a range of airlines like United and American, and it isn’t part of an official alliance. 

Many frequent flyers use Aer Lingus rewards currency, called Avios, for cheap flights within Europe. For example, it can cost as little as 4,000 Avios to fly from Dublin to Paris or 8,500 Avios to fly from Dublin to Malaga, Spain.

It’s worth noting that British Airways and Iberia also use the Avios rewards currency, though each airline has its own loyalty program. You can freely transfer Avios between Aer Lingus AerClub, British Airways Executive Club and Iberia Plus.  

Air Canada Aeroplan is a founding member of the Star Alliance, which includes partners like Lufthansa, Turkish Airlines and United Airlines. This means you can use miles in this program to fly to more than 1,250 airports in 195 countries around the world. 

British Airways Executive Club is part of the oneworld Alliance, which includes partners like Alaska Airlines, American Airlines, Cathay Pacific and Iberia. Like Aer Lingus Aerclub and Iberia Plus, this program also uses the Avios rewards currency, which is redeemable with the airline and its partners to more than 900 destinations in 170 countries. 

While British Airways is headquartered in England, many frequent travelers use this program to book partner awards on domestic flights with American Airlines.

Emirates is one of the major airlines of the United Arab Emirates, and it’s not part of any of the major airline alliances. That said, this program lets you redeem miles for flights around the world, as well as for upgrades to a premium cabin and even luxury hotel stays.

The Flying Blue program is the frequent flier program of Air France and KLM, which are part of the SkyTeam airline alliance along with Delta Air Lines and Virgin Atlantic. This means earning Flying Blue miles paves the way to booking award flights with any of these participating airlines to 1,050 destinations in 166 countries. The Flying Blue program is also known for its cheap flights to Europe, both in economy and in business class.

Based out of Madrid, Spain, Iberia Plus is another airline that’s part of the oneworld Alliance. Like Aer Lingus AerClub and British Airways Executive Club, Iberia Plus also uses Avios as its rewards currency. This rewards program is popular among travelers who are looking for cheap award fares to and from Europe. 

JetBlue isn’t a member of any of the major airline alliances, but it does partner with Hawaiian Airlines and Qatar Airways. JetBlue TrueBlue points are redeemable for award flights with JetBlue to more than 100 destinations in the US, Europe, the Caribbean, Mexico, Central America and South America, as well as for hotel stays, vacation packages and more. 

Singapore Airlines is part of the Star Alliance alongside United, and it’s easy to rack up miles in this program since it’s a partner of Chase Ultimate Rewards, American Express Membership Rewards and Capital One Miles. Miles in this program can be redeemed for award tickets with Singapore Airlines and partners, upgrades to a premium cabin, merchandise, experiences and more.

Southwest Rapid Rewards is another airline that’s not part of an alliance, yet this Chase travel partner is incredibly popular with families. Not only do all travelers who fly with Southwest get two free checked bags and fee-free flight changes, but the program uses a cost-based award system that lets you fork over fewer points for awards when prices drop. Overall, Southwest Airlines flies to 121 destinations in the US, the Caribbean, Central America and Mexico.

United MileagePlus is one of the biggest carriers in the US, and it’s known for offering decent flight awards with no fuel surcharges on United-operated flights. This program doesn’t offer an award chart and can occasionally charge a lot more miles than competitors for various itineraries. However, there are still exceptional deals to be had, and you can redeem miles for flight awards, upgrades to a premium cabin, gift cards, merchandise and more. 

Virgin Atlantic Flying Club is the newest member of the SkyTeam alliance, which means you can use points for flight awards on partners like Air France, Delta and KLM. You can use Flying Club points for award flights, upgrades to a premium cabin, Virgin Atlantic Holidays vacation packages and more. The program also offers a “ reward seat checker ” that lets you get an estimate of how many points you’ll need for a flight based on your home airport, travel destination, preferred airline (whether Virgin or its partners) and travel dates.

IHG One Rewards is the hotel loyalty program of Intercontinental Hotels Group, and it lets members redeem points for stays at more than 6,000 global destinations. This program doesn’t have any blackout dates, and members get automatic perks like free internet access and late check-out (based on availability) when they stay with the brand. Free night awards with IHG One Rewards start at just 5,000 points per night. 

The Marriott Bonvoy program features nearly 8,700 hotels and resorts across 30 brands in 139 countries and territories around the world. While redemption rates vary, you can redeem points at traditional hotels and resorts, budget properties, all-inclusive resorts, and luxury properties around the world. 

World of Hyatt is probably the most valuable hotel loyalty program available today, and you can rack up rewards in this program with paid hotel stays, Chase Ultimate Rewards credit cards or co-branded credit cards like the World of Hyatt Credit Card. You can redeem World of Hyatt points for stays at traditional hotels and resorts and all-inclusive properties. Free night awards over off-peak dates start at just 3,500 points per night.

Now that you know all about Chase transfer partners, you’re probably wondering how you can earn Chase Ultimate Rewards points. 

Most of Chase’s cards, excluding co-branded ones, operate in the Ultimate Rewards ecosystem. You can earn Ultimate Rewards points by making purchases or earning a welcome bonus with any of the following cards:

• Chase Freedom Unlimited®
• Chase Freedom Flex℠ *
• Ink Business Unlimited® Credit Card
• Ink Business Cash® Credit Card

Chase Sapphire Preferred® Card

Chase sapphire reserve®, ink business preferred® credit card.

While all these cards earn Ultimate Rewards points, not all offer the same redemption options. The Freedom Unlimited, Freedom Flex, Ink Business Unlimited and Ink Business Cash allow you to redeem your Ultimate Rewards only as cash back, travel through Chase Travel℠ or a few other non-travel options. To transfer your Ultimate Rewards points to hotel and airline partners, you’ll need one of Chase’s premium travel cards: the Chase Sapphire Preferred ($95 annual fee), the Chase Sapphire Reserve ($550 annual fee) or the Ink Business Preferred Credit Card from Chase ($95 annual fee). 

One great thing about Chase’s Ultimate Rewards ecosystem is that you can pool your points from multiple cards , both personal and business, into a single card account. That means as long as you have one of the three premium travel cards, you can pool the points from any Ultimate Rewards-earning cards to the premium card’s account to transfer to travel partners. 

For example, if you have 10,000 points on your Chase Freedom Flex, 30,000 points on your Ink Business Cash and 60,000 points on your Chase Sapphire Preferred, you can pool all your points onto your Sapphire Preferred card and transfer a total of 100,000 points to travel partners.

Chase’s premium travel credit cards offer a flat rate redemption bonus when you use them to book travel through Chase Travel. The Chase Sapphire Preferred and the Ink Business Preferred give you 25% more value for your points, whereas the Chase Sapphire Reserve gives you 50% more value when you redeem points for airfare, hotel stays and more through the portal.

This is part of the reason you’ll want to compare pricing options for various awards before you transfer your points. In some cases, you can get a better rewards value for booking through the Chase Travel. This is more commonly the case for hotel stays, but it can also be the case for airfare. 

Consider this example: 

We searched for award nights in Miami with the IHG One Rewards program and found free night awards at the Hotel Indigo Miami Brickell starting at 27,000 points per night over dates in fall of 2024.

On the exact same nights we searched, however, the same hotel would set you back only 12,882 Chase Ultimate Rewards points if you booked through the portal and had the Chase Sapphire Reserve. In this case, it makes a lot more sense to book the hotel through Chase for less than half of the cost in points.

That said, you should never assume a specific booking will be a better value without taking the time to check. For example, we searched the World of Hyatt program for available properties in Miami on the same dates and found that you can book the Hyatt Regency Miami for 18,916 points per night through Chase with the Chase Sapphire Reserve.

However, the same hotel is only 12,000 World of Hyatt points for the same dates, so you would definitely want to move your Chase points to your World of Hyatt account to make this booking directly.

While the cost of a booking is likely the most important factor in your decision, there are other considerations as well. Point transfers to an airline or hotel’s loyalty program let you book directly through that hotel or airline, potentially making it easier to get help if you need to make changes or if something goes wrong with your booking. By contrast, booking through the Ultimate Rewards portal means you may have to go through Chase’s customer support instead of dealing directly with the airline or hotel.   

If you have an eligible Chase credit card and want to transfer your rewards to partners, here are the steps you need to take:

Step 1: Log into your credit card account at Chase.com . From there, you’ll click on the part of your online account interface that displays your rewards balance.

Step 2: Click where it says “Earn/Use” then where it says “Transfer to Travel Partners.” At that point, you’ll see a list of the Chase travel partners we listed in this guide.

Step 3: Choose the travel partner you want to transfer points to. Chase lets you save your loyalty account information for partners you have transferred points to in the past. Otherwise, you’ll need to fill in information to facilitate the transfer, including your loyalty account number.

Step 4: Enter your transfer amount. Enter the number of Chase points you want to transfer to a partner. Keep in mind that points must be transferred in increments of 1,000.

Once you have completed the final step, your points will move from your Chase account to the airline or hotel program. Some point transfers are instant, meaning you can log into your loyalty account and use them right away. Others can take up to 48 hours or even up to seven days. 

Chase transfer partners include Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Air France-KLM Flying Blue, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG One Rewards, Marriott Bonvoy and World of Hyatt.

Chase credit cards that allow point transfers include the Chase Sapphire Preferred, Chase Sapphire Reserve and Ink Business Preferred Credit Card from Chase.

Chase Ultimate Rewards points don’t transfer to Delta Airlines, but they do transfer to other SkyTeam alliance partners, including Virgin Atlantic, AirFrance and KLM. You can transfer your Chase points to one of those airlines and book Delta flights indirectly.

Chase Ultimate Rewards points don’t transfer to American Airlines, but they do transfer to other oneworld alliance partners, including British Airways and Iberia. You can transfer your Chase points to one of those airlines and book American Airlines flights indirectly.

*All information about the Chase Freedom Flex has been collected independently by CNET and has not been reviewed by the issuer.

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Chase Ultimate Rewards  are perhaps the most valuable transferable points. With instant or short transfer times and strong transfer partners like United Airlines, Southwest and Hyatt, you can travel nearly anywhere in the world on points.

Chase  travel credit cards  are also some of the best on the market. There are several direct Chase transfer partners, but you can also access indirect partners. That gives you lots of ways to travel for pennies on the dollar.

Chase Ultimate Rewards points are easy to earn with big sign-up offers and bonus categories. By transferring to the right partners, you could get even more  value from your Chase points  via a single welcome bonus.

Here are all the details about Chase’s transfer partners and what you should know before you book award travel.

Chase transfer partners

Chase transfer partners  include airlines and hotels, all of which have a 1:1 transfer ratio. That means when you transfer 1 Chase Ultimate Rewards point, you’ll earn 1 mile or point in the program you send them to. Transferring your points to travel partners is the  best way to use Chase points .

Chase Airline transfer partners

There are 11 direct Chase Ultimate Rewards airline transfer partners:

British Airways

Flying blue (loyalty program of air france and klm), singapore airlines, united airlines, virgin atlantic.

Through these airlines, you can book award seats through all three major airline alliances, including:

• Oneworld airlines (British Airways and Iberia)
• SkyTeam airlines (Flying Blue)
• Star Alliance airlines (Singapore Airlines and United Airlines)

Knowing how to work through the major alliances is your ticket to dozens of airlines beyond the 10 direct airline partners. Note that you can use Chase points to book award travel on other partner airlines which aren’t part of any alliance. For example, you can use British Airways Avios points to book an award ticket with Alaska Airlines, or Virgin Atlantic miles to fly on Hawaiian Airlines.

Knowing Chase’s airline partners — and then each partner’s partners — can unlock nearly limitless award opportunities.

Chase hotel transfer partners

The Chase Ultimate Rewards program has three direct hotel transfer partners:

In general, you’ll get a better deal redeeming Chase Ultimate Rewards points with airline partners, but Hyatt is the exception. It has a generous award char, and award rooms start at just 5,000 points per night. In fact, some of the team’s biggest travel awards have been for Hyatt stays.

If you’re close to an award stay with IHG, it can make sense to top off your account with Chase Ultimate Rewards points. But there are a number of other ways to earn IHG points, too.

And much like with IHG, if you’re a few points shy of a free stay at Marriott, it can make sense to transfer Ultimate Rewards points to your Marriott account. Always run the numbers before you make a transfer because there’s no reversing it.

Chase Ultimate Rewards transfer times

Here’s a look at the estimated transfer times for each of the airline partners.

Most Chase Ultimate Rewards points transfers are instant. This is great news if you’re in a hurry to book an award flight or get a hotel room.

For the cases where transfers take one or two days, you still have a couple of options while you wait.

Marriott will give you a points advance to book your stay at a Marriott or Ritz-Carlton hotel. As long as you have the points in your account at least 14 days prior to check-in, you’re good to go.

And Singapore Airlines will let you hold an award ticket for a Singapore Airlines flight (not for partner award flights).  You need to call to place an award on hold, then call again once the transfer is complete to ticket your trip.  It’s a little more work, but worth it to preserve your award flight while you’re waiting!

Know the Chase Ultimate Rewards Transfer rules

All transfers are final.

Once you transfer Chase Ultimate Rewards points to a partner program, you won’t be able to get the points back to your Chase account.

I recommend finding your award flight or room before you transfer your points.  Most transfers are instant, so you can book as soon as you find travel that works for you

Transfers to partners are always in 1,000-point increments

You might need a small or odd number of points to snag an award ticket or hotel stay, but be aware that you must always transfer in increments of 1,000 Chase Ultimate Rewards points to travel partners.

You can combine any number of points between Chase Ultimate Rewards cards (yup, even just 1 point) or  combine them with others  in any amount.  But when it’s time to send them to travel partners, they have to go out in increments of 1,000 points.

Send your points to a spouse, family member or authorized user

For personal cards,  Chase lets you to transfer points to another person  in the same household.  Here’s  our video guide on how to combine your points with a family member or another card account .

If you want to transfer points from a business card to someone else, they need to be a household member or a co-owner of the company.

You can also combine points with an authorized user, as long as they live at the same address as you.

Award travel with Chase Ultimate Rewards points

Here are just a few ways to get outsized value from your Chase Ultimate Rewards points.

Transfer to British Airways or Aer Lingus Avios for flights to Dublin

You can redeem British Airways or Aer Lingus Avios points on Aer Lingus and book flights to Dublin.

British Airways and Aer Lingus award prices are distance-based, so shorter flights cost fewer points.  This means award flights from the East Coast to Dublin are a terrific deal. For example, Boston to Dublin requires only 26,000 British Airways Avios points for an off-peak, round-trip coach award ticket.  The same deal is available from the following cities:

• Montreal (starting summer 2019)
• New York – JFK
• Philadelphia
• Washington, DC

You can’t search for or book Aer Lingus award flights on the British Airways website. Instead you can search for “Saver” award seats on the United Airlines website and call British Airways to book. Ask them to waive the phone fee because it’s not possible to book online.Also, Aer Lingus classifies certain dates as peak travel, which means you’ll use more points for award flights during these times.

Transfer to Singapore Airlines for United Airlines flights to Hawaii

United Airlines is a direct Chase airline transfer partner.  But you can also transfer Chase Ultimate Rewards points to Singapore Airlines, which is part of the same Star Alliance.  Then,  book United Airlines award flights to Hawaii  for cheaper than what United Airlines charges!

For example, you’ll pay 35,000 Singapore Airlines miles round-trip in coach from anywhere in North America to Hawaii.  Compare that with United Airlines’ price of 45,000 United Airlines miles. You’ll save 10,000 Chase Ultimate Rewards points per flight.

Transfer to Hyatt for luxury hotel stays

As mentioned earlier, some of our most valuable uses of Chase Ultimate Rewards points have been at Hyatt hotels around the world.  Here’s  how to transfer your points to Hyatt . Many of us on the MMS team have stayed at Hyatt all-inclusive hotels in Mexico. We loved the endless food and adult beverages. And because I used points for a free stay (that’s right, I paid $0), I treated myself to an opulent massage treatment I’d otherwise never splurge on.

Booking travel through the Chase travel portal

Along with transferring your Ultimate Rewards points to Chase travel partners, don’t forget, it’s also possible to use your points to  book travel directly through the Chase travel portal .

Depending on the cash price of a ticket or hotel room, you’ll sometimes get a better deal using the Chase travel portal to book flights or hotels.

Chase Sapphire Reserve cardholders, for example, will get a value of 1.5 cents per Chase Ultimate Reward point when booking through the portal. Those with the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card will get a value of 1.25 cents per point when booking through the Chase portal.

Here’s our guide to  booking travel with the Chase travel portal .

Earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points to transfer directly to airline and hotel partners with these three excellent card offers:

These cards are affected by Chase’s stricter application rules. That means if you’ve opened five or more cards from any bank ( except these business cards ) in the past 24 months, it’s unlikely you’ll be approved. And if you have any of these no-annual-fee cards, you’ll need to  combine Chase points  to one of the above cards before you can transfer them:

• Chase Freedom Flex
• Chase Freedom Unlimited
• Ink Business Cash Credit Card
• Ink Business Unlimited Credit Card

Each card has its own strengths, like bonus points for spending in certain categories. That makes it easier to earn even more valuable Chase Ultimate Rewards points. Read our full guide on  how to earn Chase Ultimate Rewards points  for all the details.

Bottom line

There are 13 airline and hotel partners within the Chase Ultimate Rewards program.

But thanks to airline alliances and partnerships, you can book award travel beyond the direct transfer partners. This unlocks nearly endless travel opportunities to fantastic destinations around the world.

Most points transfers are instant, but a few partners have one- or two-day transfer times. Because of their flexibility and strong travel partners, Chase Ultimate Rewards are a favorite here at Million Mile Secrets.  We’ve all used Chase Ultimate Rewards transfer partners for unforgettable trips.

With sign-up offers on cards like 80,000 Chase Ultimate Rewards points with the Chase Sapphire Preferred card after meeting the minimum spending, you could be on your way to Ireland on Aer Lingus, Hawaii with Singapore Airlines miles, or at an all-inclusive Hyatt hotel in Mexico — and that’s just for starters.

Let me know your favorite Chase Ultimate Rewards transfer partner. And  subscribe to our newsletter  for more tips and trick to getting outsized value for your points.

Meghan Hunter

Contributor

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and general travel. Her work has also appeared in The Points Guy.

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The Travel Sisters

List of chase ultimate rewards transfer partners (2023).

by The Travel Sisters | Mar 2, 2023 | Credit Cards , Ultimate Rewards | 5 comments

Chase Ultimate Rewards Transfer Partners

Transfers are at a 1:1 ratio (meaning 1,000 Ultimate Rewards points transfer to 1,000 miles/points) unless there is a transfer bonus.

Chase Ultimate Rewards Airline Partners

• AerClub, loyalty programme of Aer Lingus
• Air Canada Aeroplan
• British Airways Executive Club
• Emirates Skywards
• Flying Blue AIR FRANCE KLM -LIMITED TIME OFFER: Get 25% Bonus Flying Blue Miles when you transfer points through 11:59PM EST on May 15, 2023
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club

Chase Ultimate Rewards Hotel Partners

• IHG® One Rewards
• World of Hyatt
• Marriott Bonvoy -LIMITED TIME OFFER: Get 50% Bonus Marriott Bonvoy® points when you transfer points through 11:59PM EST on May 15, 2023

The Ultimate Rewards partners I personally find to be most valuable are United and Hyatt. Singapore Airlines KrisFlyer, Flying Blue,  Emirates Skywards and Virgin Atlantic Flying Club are also transfer partners of other points currencies ( Amex Membership Rewards and Citi Thank You points ) so I prefer to use one of those other currencies instead of Ultimate Rewards points which I find most valuable.

How Fast Do Chase Ultimate Rewards Transfers Take

Most point transfers process instantly except for Singapore Airlines KrisFlyer and Marriott Bonvoy.

If you click on the name of the travel loyalty partner or downward arrow, the box will expand and you will see a description of the program, partner airlines and expected transfer time.

According to Chase, most Singapore Airlines KrisFlyer point transfers process within two business days and most Marriott Bonvoy™ point transfers process by the next business day.

Which Credit Cards Earn Ultimate Rewards That Can Be Transferred to Travel Partners

Not all Ultimate Rewards points directly transfer to Chase’s travel partners but all indirectly transfer provided you have a “premium” card.

There are 2 type of credit cards that earn Ultimate Rewards: 1) premium cards (cards with an annual fee after the first year) and 2) no annual fee cards. Disclosure: This article contains some of our referral links.

1. Premium Ultimate Reward Cards  ( DIRECTLY transfer to travel partners) •  Personal: Chase Sapphire Preferred  and  Chase Sapphire Reserve •  Business: Ink Plus (no longer offered to new applicants) and  Ink Business Preferred

2. No Annual Fee Ultimate Reward Cards  ( Do not directly transfer to travel partners but you can indirectly transfer if you have one of the premium ultimate rewards cards above) •  Personal: Sapphire, Freedom (both no longer offered to new applicants), Freedom Flex and Freedom Unlimited •  Business: Ink Business Cash  and  Ink Business Unlimited

If you have one of the premium Ultimate Rewards credit cards listed in (1) above, Ultimate Rewards in that account directly transfer to airline and hotel partners. (For a guide on how to transfer your Ultimate Rewards points to the travel partners listed above see related post :  How to Transfer Chase Ultimate Rewards Points to Travel Partners .)

Ultimate Rewards in a no annual fee credit card account listed in (2) above, DO NOT directly transfer to partners but can indirectly transfer if you have one of the premium Ultimate Rewards cards. The way to transfer Ultimate Rewards points from one of the cards listed in (2) above, is to transfer the points to an account of one of the premium Ultimate Rewards cards. So if you have a Chase Freedom Flex and a Chase Sapphire Preferred card, you can transfer points from your Freedom account into your Sapphire Preferred account and then transfer to airline and hotel partners from that account.  See related post  How To Combine or Transfer Chase Ultimate Rewards Points Between Accounts .

Ink Bold has been eliminated entirely; Chase converted all Ink Bold cards into Ink Plus cards last year. I had two Bolds that were converted.

Thanks did not realize they had been converted. Will delete from the list.

How can one transfer Ink Cash points to Ultimate Reward point? Thanks.

Ink Cash earns Ultimate Rewards points but they are the type that do not transfer to airlines and hotels. Do you have any of the following Chase cards: Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Plus, Ink Business Preferred? If so you can transfer your Ink Cash points into the credit card account of one of those cards and then transfer to airlines and hotels. This post might help: https://thetravelsisters.com/how-to-transfer-chase-ultimate-rewards-points .

Lets said that I found a good deal on one of the airlines, on the chase ultimate reward, how do I know what is the exact amount of point to transfer to the airline site? Its the first time doing it I’m not sure what is the best way to do the point transfer. Thank you

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Advertiser Disclosure

Chase Ultimate Rewards transfer partners

See the list of Ultimate Rewards airline and hotel partners and the value of points from each partner

Published: August 23, 2023

Author: Robin Ratcliff

Author: Ana Staples

Editor: Angelica Leicht

Reviewer: Barri Segal

How we Choose

Transferring your Ultimate Rewards points to one of Chase’s travel partners can be an excellent way to maximize your rewards if you choose a partner that offers a high point value.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

If you’re a cardholder with a premium Ultimate Rewards card, which includes the Chase Sapphire Preferred Card, Chase Sapphire Reserve card and Ink Business Preferred® Credit Card, you’re earning points every time you swipe your card. These points can be used for any number of transactions, but one of the potentially most lucrative options is travel.

With any of the cards listed above, you have the option to maximize your points by transferring them to 14 outside loyalty programs — including 11 airline partners and three hotel partners — at various rates. This includes several major airlines, such as United and Southwest Airlines, giving you numerous options for travel. And, if you’re serious about maximizing your Chase Ultimate Rewards points , you may benefit from reviewing the list of Chase travel partners to find out the best transfer values.

• Ultimate Rewards travel partners

So, where exactly can you transfer your Chase Ultimate Rewards points? The current point values for various Chase partners are outlined below. These values are current as of August 2023.

When you transfer your Ultimate Rewards points to an outside loyalty program, you are subject to the rules, fees and price charts of that program. Unlike the Ultimate Rewards portal , which doesn’t enforce any seating limitations, there may also be blackout dates and other limitations on rewards seats.

You may also find it helpful to check availability before you transfer your points, as your point transfer is not reversible. In some cases, you may be stuck if the seat disappears before you have a chance to book your rewards flight.

Airline alliances can take you almost anywhere

Your flight options actually extend beyond the list of airline partners outlined above. Several of Chase’s airline partners are part of a major airline alliance, which gives you access to an even wider network of airlines. Using the rewards charts and an airline’s loyalty program, you can use your points to book flights on any of the partners within that airline’s alliance.

• Ultimate Rewards airline alliances

These alliances cover most airlines, which means you have the potential to find an award seat to almost anywhere in the world that you want to travel.

Learn the guidelines for each transfer partner

Finding the best partner to transfer your points to can be a tricky affair. Not only are there blackout dates, seating limitations and complicated rewards charts, but loyalty programs (and especially airline programs) often come with a dense list of guidelines that limit how you use your rewards.

You’ll need to familiarize yourself with the ins and outs of each program. For example, you should know whether you can book one-way and open-jaw tickets, as well as any routing restrictions, hidden costs and fees (many airlines include fuel surcharges that can equal the cost of your airfare) to find the best value for your points or miles .

Bottom line

Even with the restrictions, Chase Ultimate Rewards transfer partners are some of the best among all flexible programs, and for more reasons than one. Chase offers access to more domestic airlines than other travel programs and partners with programs you can’t transfer to elsewhere, including Southwest Rapid Rewards, United Airlines and World of Hyatt.

So, if you’re considering a Chase credit card and wondering how you’ll use your points, chances are one of the Chase partners can get you to where you want to go.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Robin Ratcliff is a former CreditCards.com rates and reviews reporter.

Ana Staples is a staff reporter and young credit expert reporter for CreditCards.com and covers product news and credit advice. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one day—when she has enough points, that is.

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Chase Ultimate Rewards Points Transfer Partners

Chase Ultimate Rewards transfer partners offer a great way to maximize the value of your points from Chase.

Updated: March 19, 2024

Advertising & Editorial Disclosure

• Chase Cards With Transfer Partners
• Chase Travel Partners?
• Benefits of Using Transfer Partners
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MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies .

About Rajiv Baniwal

Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. Meticulous in his research, he provides accurate and up-to-date information. His expertise includes mortgages, loans, credit cards, insurance and international money transfers.

10 Best Credit Cards for Uber and Ridesharing of 2024

Best credit cards for uber & ridesharing of 2024, best overall: chase sapphire reserve®.

Why We Chose It: The Chase Sapphire Reserve is a premium travel rewards card that lets you earn Ultimate Rewards points on every purchase—but we love the 10X points you can earn on qualifying Lyft rides. You also get a Lyft Pink All Access membership for free for two consecutive years when activated by 12/31/2024 (then automatically enrolled half-price the third year and full price after unless canceled). If Uber is your rideshare service of choice, you can still benefit by earning 3X points on other travel purchases, including Uber rides, after the Reserve’s $300 annual travel credit is spent.

• 10X points on qualifying Lyft rides through March, 31 2025 and a free Lyft Pink All Access membership
• $300 annual travel credit
• 3X points on other travel not booked through Chase, including Uber (after the annual travel credit is spent)
• $550 annual fee
• Must travel frequently to get the most value
• Missing Uber premium perks

Best for Uber Rewards: Capital One Savor Cash Rewards Credit Card

Capital one savor cash rewards credit card.

Why We Chose It: Uber riders will benefit from the enhanced benefits offered by the Capital Savor Cash, which provides 10% cash back on Uber and Uber Eats purchases through November 14, 2024. You’ll also get your Uber One membership covered as a statement credit each month until November 14, 2024. The Savor card also offers solid cash back rewards on dining, streaming, entertainment and at grocery stores.

• 10% cash back on Uber and Uber Eats (through November 14, 2024)
• 4% cash back on dining, streaming services and entertainment
• Extended warranty protection
• You’re recommended to have excellent credit for best approval odds
• $95 annual fee
• No intro APR offers

Best for Uber Rewards with No Annual Fee: Capital One SavorOne Cash Rewards Credit Card

Capital one savorone cash rewards credit card.

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Why We Chose It: If you want the Uber perks you get with the Savor card but with no annual fee plus an introductory APR offer, the Capital One SavorOne Rewards card has you covered. You’ll get 10% cash back on Uber and Uber Eats purchases plus the monthly statement credit for the complimentary Uber One membership when charged to your card until November 14, 2024, giving you extra discounts including no delivery fee on Uber Eats groceries and food delivery.

• No annual fee
• 0% intro APR for 15 months on purchases and balance transfers (then 19.99% – 29.99% variable APR; 3% balance transfer fee for the first 15 months)
• Complimentary Uber One membership statement credits each month through November 14, 2024
• Just 1% cash back on other eligible purchases
• Applicants who have less than excellent credit may be approved for a different version of this card
• Limited travel benefits

Best for Uber Credits: The Platinum Card® from American Express

Why We Chose It: With the Platinum Amex in your wallet, you’ll get $15 in Uber Cash each month that you can put toward your eligible Uber rides and Uber Eats orders, plus a bonus $20 Uber Cash in December. That’s up to $200 a year in Uber Cash annually, plus all the other luxury travel perks and statement credits you’ll get as a Platinum card member.

• Up to $200 in Uber Cash each year
• Cell phone protection*
• Up to $1,384 in statement credits for fitness, streaming, hotel, airline and shopping by our calculation
• $695 annual fee
• No intro APR offer
• Annual fee for additional Platinum Cards is $195 each ( see rates and fees )

Best Rewards for Uber Foodies: American Express® Gold Card

Why We Chose It: The American Express Gold Card offers up to $120 in Uber Cash per year, which you can use toward Uber rides in the U.S. or Uber Eats purchases. You’ll also earn 4X points at restaurants worldwide, plus on takeout and delivery in the U.S., and at U.S. supermarkets (up to $25,000 per calendar year in spending, then 1X).

• Generous rewards at U.S. supermarkets and restaurants worldwide
• $10 monthly in Uber Cash
• Earn Member Rewards on Uber Eats purchases
• Rideshare spending earns just 1X points
• $250 annual fee
• Uber Cash doesn’t roll over

Best for Lyft Rewards: Chase Sapphire Preferred® Card

Why We Chose It: If you’re a regular Lyft rider, the Chase Sapphire Preferred offers extra rewards for you. You’ll earn 5X Chase Ultimate Rewards points on eligible Lyft rides (until March 31, 2025), which is a remarkable rate—plus you can redeem points for 25% more value when you use them to redeem for travel through Chase Travel.

• $95 annual fee is lower than some other travel cards
• 5x points on qualifying Lyft rides
• Points transfer 1:1 to Chase transfer partners
• No free Lyft Pink membership
• Other purchases earn just 1X points
• Not as many perks as some other travel cards

Best Lyft Rewards with No Annual Fee: Chase Freedom Unlimited®

Chase freedom unlimited®.

On Bankrate Credit Cards's secure site

Earn an extra 1.5% on everything you buy with your card (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Why We Chose It: Like the Chase Sapphire Preferred and Sapphire Reserve cards, the Chase Freedom Unlimited offers special Lyft rewards, too. But unlike the Sapphire family of cards, the Freedom Unlimited comes with no annual fee. You’ll earn 5% total cash back on qualifying Lyft rides through March 31, 2025 when you purchase in the Lyft app with your Unlimited card.

• 5% cash back on qualifying Lyft rides
• Multiple point redemption options
• 3% foreign transaction fee
• Variable up to 29.99% penalty APR
• No Lyft Pink membership credits

Best for iPhone Users: Apple Card

Why We Chose It: You’ll get 3% cash back on Uber and Uber Eats purchases when you use Apple Pay and set your Apple Card as the payment method. For Lyft rides, you’ll earn 2% Daily Cash back when you use your Apple Card and Apple Pay to make your purchase. You’ll need an iPhone, though, to use Apple Pay.

• 3% Daily Cash back on Uber and Uber Eats purchases
• 2% Daily Cash back on other purchases when you use Apple Pay
• You can sweep Daily Cash to a savings account
• Must have an iPhone to use Apple Pay
• Must use Apple Pay to earn Daily Cash
• Purchases earn just 1% if you use the physical card

Best for Ride-Share Flexibility: Blue Cash Preferred® Card from American Express

Why We Chose It: You don’t have to declare allegiance to a certain ride-share company if you carry the Blue Cash Preferred from American Express . You’ll earn 3% cash back on eligible transit purchases, including Lyft, Uber, taxis—even subway, bus and train fare.

• 3% cash back on transit
• Car rental loss and damage insurance* included
• Earn just 1% back on all other purchases
• $95 ongoing annual fee after the first year
• Limited redemption options

Best for Flat-Rate Rewards: Wells Fargo Active Cash® Card

Wells fargo active cash® card.

After spending $500 in purchases in the first 3 months

Why We Chose It: When simpler is better, the Wells Fargo Active Cash Card delivers. It offers a flat-rate 2% cash rewards on every purchase—no rotating categories, no complicated redemptions. You’ll earn the same whether you use Uber or Lyft for ridesharing, and few other flat-rate cards offer 2% back like the Active Cash does.

• Unlimited 2% rewards on purchases
• 0% intro APR for 15 months (20.24%, 25.24% or 29.99% variable APR thereafter)
• Limited travel perks

A Closer Look at the Best Credit Cards for Rideshares

Why we love this card: Though it carries a hefty annual fee of $550, the Chase Sapphire Reserve offers so many perks that frequent travelers will find it easy to get at least that much value from the card. Lyft riders especially will benefit from the card’s bonus earnings on Lyft rides (10X points on qualifying Lyft rides through March 31, 2025), not to mention the two free years of Lyft Pink All Access membership.

Who should have this in their wallet: This card is best for Lyft riders and frequent travelers who can get the most value from the card’s steep annual fee.

Other cards to consider: For 5X points on qualifying Lyft rides (through March 31, 2025), numerous travel benefits and a $95 annual fee, the Chase Sapphire Preferred makes a sensible alternative.

Why we love this card: If you live to eat instead of eat to live, then the Capital One Savor Rewards card was made for you. You’ll get a relatively unbeatable 10% cash back on Uber rides to your favorite restaurants (until November 14, 2024), plus 4% cash back on dining when you get there. Eating in instead? You’ll still get 10% cash back if you order delivery or pickup with Uber Eats (through November 14, 2024), and 3% cash back at grocery stores to cook (excluding superstores like Target and Walmart).

Who should have this in their wallet: This card could be a great pick for foodies with excellent credit who use Uber regularly.

Other cards to consider: If you don’t want to pay the $95 annual fee and don’t mind earning 3% instead of 4% back on dining, the SavorOne is an easy swap. If your rideshare service of choice is Lyft, then the Chase Sapphire Preferred offers perks you can use for the same $95 annual fee.

Why we love this card: As far as rewards go, it’s tough to beat the 10% cash back on Uber purchases that you get with the Capital One SavorOne Cash Rewards Credit Card (until November 14, 2024). We love that the 10% extends to Uber Eats purchases too—combined with the complimentary Uber One membership when you charge your monthly membership fee to your card (through November 14, 2024), you can save a lot (whether it’s you or your food that’s getting a ride). And there’s no annual fee with this card, either.

Who should have this in their wallet: The SavorOne could be a great pick for you if you’re a regular Uber rider or you order on Uber Eats frequently. You’ll also rake in cash back if you frequently dine out and spend money on entertainment.

Other cards to consider: If you love the card and want the Uber benefits but don’t have excellent credit, check out the Capital One SavorOne Cash Rewards for Good Credit or the Capital One SavorOne Student Cash Rewards Credit Card , which is geared towards applicants with fair to good credit. You’ll miss out on an introductory APR offer with these cards, though.

Best for Uber Cash: The Platinum Card® from American Express

Why we love this card: The hulking annual fee of the Platinum Card from American Express starts to look much more reasonable as you add up the available perks, benefits and credits, including up to $200 in Uber Cash each year.

Who should have this in their wallet: Jetsetters with a taste for the finer things will appreciate the global airport lounge access, Platinum travel service, elite hotel and car rental status and many other luxury travel perks extended to Platinum card members.

Other cards to consider: The $695 annual fee may still be too steep for some Uber riders, making a card like the American Express Gold Card ($250 annual fee) a better pick.

Why we love this card: Add the American Express Gold Card to your Uber wallet to receive $10 monthly in Uber Cash; add it to your regular wallet to earn 4X points at restaurants worldwide (plus on takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1X points).

Who should have this in their wallet: The Amex Gold Card will be a good fit for Uber riders who spend a lot on food, whether at U.S. supermarkets or restaurants worldwide.

Other cards to consider: If you’re skittish about the $250 annual fee, consider a card that offers similar food perks but with a $95 annual fee: the Savor Cash Rewards card, which lets you earn 4% cash back on dining and 3% back at grocery stores (excluding Target and Walmart), plus 10% cash back on Uber and Uber Eats through November 14, 2024.

Why we love this card: For just $95 annually, we think the Sapphire Preferred offers a number of useful benefits for Lyft riders beyond the 5X points they can earn on qualifying rides through March 31, 2025. You can protect your purchases for 120 days against theft or damage with purchase protection, plus extended warranty protection extends the time period of eligible warranties an additional year. You’ll also get travel protection and benefits that come in handy even if you don’t travel often, such as 2X points on other travel purchases, an up to $50 annual hotel credit on hotel stays purchased through Chase Travel and trip cancellation/interruption insurance.

Who should have this in their wallet: Lyft riders who travel will get the most value from the Chase Sapphire Preferred with the points boost, but Uber riders can also enjoy 2X points on their rides, too, as they’ll count as travel.

Other cards to consider: For a higher annual fee, you could choose the Chase Sapphire Reserve instead to receive complimentary Lyft Pink All Access membership (valued at $199 per year) and $300 in annual travel credit, which more than covers the cost difference. If you’d prefer no annual fee instead, you’ll still earn 5% cash back on Lyft rides through March 31, 2025 if you go with the Chase Freedom Unlimited.

Why we love this card: This card offers a solid, unlimited minimum of 1.5% cash back on purchases, but sweetens the deal for Lyft riders with 5% total cash back on qualifying Lyft rides through March 31, 2025, plus you’ll get 3% cash back on dining at restaurants (including takeout and eligible delivery service) and drugstore purchases. New cardholders can also take advantage of 15 months of 0% intro APR from account opening on purchases and balance transfers (balance transfer fee applies), then 20.49% – 29.24% variable APR after that.

Who should have this in their wallet: Lyft riders who don’t want to pay an annual fee and who value a decent intro APR for balance transfers will appreciate this card. It also makes a nice companion card for someone who holds the Chase Sapphire Preferred or Sapphire Reserve, because you may be able to transfer points to your Sapphire account for boosted redemptions.

Other cards to consider: Other Chase no-annual-fee cards that earn 5% total cash back on Lyft rides through March 31, 2025 include the Chase Freedom Flex℠ and the Chase Freedom Rise℠ Credit Card. The Flex offers 5% cash back in bonus categories you activate, while the Rise offers 1.5% cash back on every purchase.

Why we love this card: As long as you have an iPhone and are comfortable using Apple Pay, the rewards on the Apple Card will earn you 3% Daily Cash on Uber rides plus 2% Daily Cash on other purchases, which are solid rates. We also like the card’s financial tools for tracking spending and no annual fee.

Who should have this in their wallet: This one’s for Apple enthusiasts; you’ll need an iPhone to get the boosted rewards and other benefits, plus that’s how you’ll activate the titanium physical card. You’ll also need to make sure you can use Apple Pay to get the most from this card.

Other cards to consider: If you have an Android or don’t use Apple Pay, the Wells Fargo Active Cash is an alternative that lets you earn 2% cash back on rideshares and other purchases without the iOS restrictions.

Why we love this card: You can get 3% cash back on rideshares regardless of which company you’re loyal to. The Blue Cash Preferred also offers an outstanding 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), plus 6% on select U.S. streaming services, too (you can redeem cash back as a statement credit or at Amazon.com checkout). Though there’s a $95 annual fee, you can offset it with the intro offer if you earn the $250 statement credit after spending $3,000 on purchases in the first six months from account opening.

Who should have this in their wallet: We think this card would be a good fit for anyone who regularly uses Uber or Lyft in conjunction with public transportation. If you tend to cook at home (spending up to $500 a month), we think you’ll also get a lot of value from the boosted 6% cash back on up to $6,000 on U.S. supermarket purchases (then 1%).

Other cards to consider: You can also earn 3X Membership Rewards points on transit purchases, including rideshare services with the American Express Green Card®, though you’ll earn 3X Membership Rewards points on dining at restaurants worldwide instead of 6% cash back at U.S. Supermarkets. The Apple Card also offers 3% back, but only on Uber (and only if you use Apple Pay).

All information about the American Express® Green Card has been collected independently by Newsweek.com. The American Express® Green Card is no longer available through Newsweek.com.

Why we love this card: We love the easy, no-frills 2% back you earn with the Active Cash card. It simplifies earning credit card rewards on rideshare purchases because it doesn’t matter whether you use Lyft or Uber, and you’ll earn the same great cash rewards rate on all of your other purchases, too.

Who should have this in their wallet: If you’re a set-it-and-forget-it type, the Active Cash card lets you earn solid cash rewards with no fuss. It’s also a useful card to carry when you want to maximize your cash rewards, because you can use another card for boosting rewards in certain categories and this card for 2% cash rewards on everything else.

Other cards to consider: The Citi Double Cash® Card also gives an unlimited 2% cash back, although you’ll have to pay for your purchases before you earn the full amount. The Capital One Quicksilver Cash Rewards Credit Card offers a flat 1.5% unlimited cash back on purchases, no annual fee and a 15-month 0% intro APR offer on purchases and balance transfers (then 19.99% – 29.99% variable APR after that).

How To Choose the Right Credit Card for Ridesharing for You

The best card for ridesharing is one that earns rewards and fits your lifestyle. Before you choose, keep in mind your typical monthly spending, your preferred rideshare service and how you prefer to redeem rewards. Then, look for a card that meets those criteria and also provides the kind of benefits you’ll actually use.

Note Your Preferred Rideshare Service

Which do you use (or use most): Uber or Lyft? How much do you spend on ridesharing? Will benefits like Uber Cash help you? Make sure the card you’re considering rewards your preferred rideshare service, ideally with boosted points, cash back or membership perks.

Track Your Monthly Spending

In addition to your monthly rideshare spending, where else does your money go? For the best value, pick a card that rewards categories you already spend in, whether that’s groceries, restaurants, transit or something else.

Strategize Around Rewards Rates

Consider the potential rewards earning rate on both your rideshare spending and other category spending. Will you be able to maximize your earnings in a particular category with that card? Or will it make more sense to choose a flat-rate cash back card instead? Only you know your tolerance for tracking rewards by category.

Know How Often You Travel

Do you travel a lot or fly frequently? Cards that offer points that you can redeem for miles with your preferred airline or transfer to travel partners will likely be a good fit for you. You’ll also get more use out of a card with travel benefits (such as trip protection or airport lounge access) than someone who rarely travels.

Decide Whether You’ll Carry a Balance

If you tend to carry a balance, be sure to carefully compare annual percentage rates (APR), including penalty APRs and any introductory APR offers. You might also get more value out of a balance transfer offer with low fees if you need extra time to pay down a balance.

Determine your Tolerance for an Annual Fee

Will the annual fee be worth it? Calculate whether you’ll earn enough in rewards or use enough of the card’s perks and credits to offset the annual fee. If it’ll cost you more to carry the card than you’ll earn in benefits, consider a different card instead.

Alternatives

A new credit card isn’t the only way to benefit from your many Uber or Lyft rides. Review the cards already in your wallet for more ways to earn rewards or connect your account to other loyalty programs for boosted points or miles.

Buy Gift Cards

If you already have a rewards credit card, check what categories give you increased rewards. If they include supermarkets, gas stations or office supply stores, use that card to buy Uber or Lyft gift cards and load them to your account. Your gift card spending will earn you added rewards for that spending category.

Use Your Mastercard

If you already have an eligible Mastercard, you can earn a $5 or $10 Lyft credit each month when you take three or more rides with Lyft. World Mastercard®, World Elite Mastercard® and Citi® / AAdvantage® Executive Mastercard® are eligible. You can also score a 10% discount on scheduled airport rides with a World Elite Mastercard®, World Elite Mastercard® for Business or World Mastercard® for Business.

If you have a Bilt Mastercard®, you can earn 3X Bilt Points on your Lyft rides when you pay with your Bilt card and 2X points when your Lyft account is linked to your Bilt Rewards account and it’s selected as your loyalty rewards partner.

The PayPal Cashback Mastercard lets you earn 3% cash back when you add it to your PayPal account and use PayPal to check out. You’ll also earn 2% cash back on other purchases.

Connect a Loyalty Program

If you’re a Lyft rider, you can connect your Delta SkyMiles®, Hilton Honors® or Alaska Mileage Plan® accounts to your Lyft account to earn 1x, 2x or 3x points or miles with each ride.

As an Uber rider, you can earn 2x, 3x or 6x Marriott Bonvoy points when you connect your accounts and take eligible Uber rides or place eligible orders with Uber Eats.

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Frequently Asked Questions

Which credit card gives you free uber one.

You’ll get monthly statement credits to cover an Uber One membership through November 14, 2024, with the following Capital One credit cards when the membership is paid with your card: Savor, SavorOne, SavorOne Student, Capital One Quicksilver Student Cash Rewards Credit Card. You’ll get up to six months of credits until November 14, 2024 with the Quicksilver or Capital One QuicksilverOne Cash Rewards Credit Card.

What Credit Card Gets Uber Points?

For Uber Cash, American Express offers $10 per month with the Gold card and $15 per month with the Platinum card (plus a bonus of $20 in December).

For the best points earnings on Uber purchases, the Capital One Savor, SavorOne, SavorOne Student and Quicksilver Student cards each offer 10% cash back on Uber and Uber Eats purchases through November 14, 2024.

Which Credit Card Is Best for Lyft?

We think the Chase Sapphire Reserve is the best credit card for Lyft, thanks to its hefty rewards earnings of 10x points on qualifying Lyft rides through March 31, 2025 and complimentary Lyft Pink All Access membership for two years. Our other picks for the best card to use with Lyft are the Chase Sapphire Preferred and Chase Freedom Unlimited, which earn 5X points and 5% total cash back on qualifying Lyft rides through March 31, 2025, respectively.

The post 10 Best Credit Cards for Uber and Ridesharing of 2024 first appeared on Newsweek Vault .

Can I book budget carriers on the Chase portal? What you need to know

Update : Some offers mentioned below are no longer available. View the current offers here .

Budget carriers — commonly referred to as "low-cost carriers" — can be a great way to save money on shorter domestic and intra-region flights. These carriers tend to offer lower fares with no-frills, and you may have to pay for things like seat assignments and checked bags.

The Chase Ultimate Rewards Travel Portal is another great way to save on travel. You can use your Chase Ultimate Rewards points to cover paid flights through the portal and offset the costs of your trip. As a refresher, you can redeem your points through the portal at a set rate, depending on the card you have. For example, the Chase Sapphire Preferred Card redeems at 1.25 cents per point through the portal, while the Chase Sapphire Reserve card can redeem at 1.5 cents per point.

You can book most major carriers through the portal — but not all budget carriers. For a reason unknown, Chase's booking partner, Expedia, doesn't let you book most budget carriers through its travel portal. And if you can, you may have to call in to book (and you could or lose out on perks).

So in this article, I'll discuss if you can book popular budget and low-cost carriers through the Chase Ultimate Rewards Travel Portal and if it even makes sense to do so. I'll break down the post by airline. I'll also give you a look at if the current state of booking budget carriers through the Chase portal could change in the future.

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Booking budget and ultra-low-cost carriers with the Chase portal

As discussed in the intro, most budget and ultra-low-cost carriers aren't bookable online through the Chase travel portal.

You may have luck calling Chase to book carriers that don't show on the travel portal, but your results may vary. I've had mixed results in the past, and it seems to vary by airline and by the agent you speak to. If one agent won't book a ticket for you, politely end the call and call back to see if another agent can help. It's safe to say that a carrier is not bookable if you call twice and get the same answer.

Let's take a closer look at if you can book major budget and low-cost carriers through the Chase portal.

Related: The best credit cards to use on low-cost carriers

Allegiant Air

Allegiant Air is a fast-growing ultra-low-cost carrier in the U.S. It mostly operates point-to-point routes from smaller cities to popular leisure destinations but has expanded operations to major airports like Chicago-Midway (MDW), Los Angeles (LAX) and Newark (EWR).

The airline is exactly what you expect when you think of an ultra-low-cost carrier. It has low fares, but everything from carry-on bags to seat selection to onboard drinks costs extra.

Unfortunately, Allegiant flights do not show up on the Chase portal. We've heard mixed reports of being able to book Allegiant flights over the phone, so proceed with caution.

Related: Southwest vs. Allegiant: What it's like to fly a low-cost airline during a pandemic

EasyJet is one of the largest ultra-low-cost carriers in Europe. It flies to most major European cities and operates point-to-point flights between major cities and tourist destinations.

EasyJet flights don't show on the Chase travel portal. You may have luck calling in to have an agent book a ticket for you, but we've heard reports of agents not being able to book EasyJet flights over the phone either.

Related: Everything you need to know about flying EasyJet

Frontier Airlines

Frontier Airlines is a major ultra-low-cost carrier in the U.S. It has a hub in Denver (DEN) and focus cities in Chicago-O'Hare (ORD), Philadelphia (PHL) and Las Vegas (LAS), among others. You'll find the airline flying major leisure routes from most major metro areas.

Frontier flights previously showed on the Chase portal, but I cannot find them after Chase switched to Expedia for its booking partner in 2018. However, as you'll see later in this article, this may change again when Chase switches away from Expedia later this year.

Related: Frontier Airlines adds — then drops — mandatory 'Covid Recovery Charge,' ends temperature checks

JetBlue Airways

JetBlue may not be the first airline that comes to mind when you think of a budget carrier. After all, it operates many business-heavy routes and offers its award-winning Mint business class product on select domestic and international routes. Including upcoming flights from Boston (BOS) and New York-JFK to London-Heathrow (LHR) and London-Gatwick (LGW) .

That said, many still categorize it as a budget carrier due to its largely all-economy fleet and relatively limited route network. It's one of the few budget carriers you can currently book through the Chase portal and you can do so without paying any extra fees.

There is one downside to booking through the Chase portal: you won't earn as many points as booking direct. JetBlue offers 1 bonus point per dollar spent on Blue Basic and 3 bonus points per dollar spent on Blue or higher fares booked directly with the airline. These are not awarded when you book with Chase.

Other than that, everything else is the same. You won't pay more for a JetBlue flight through the portal and still receive the same baggage allowance, etc.

Related: Where should I credit my flights? Maximizing American and JetBlue's new loyalty partnership

Ryanair is the largest low-cost carrier in Europe. It flies a slew of point-to-point routes from its various bases around the continent, and with new planes incoming, it shows no signs of slowing down in a post-pandemic world.

Like EasyJet, you have to pay extra for every bell-and-whistle from an onboard glass of water to a carry-on bag. This translates to extremely cheap fares — for example, it's not uncommon to find one-way fares from the low $20's on popular routes.

Unfortunately, you cannot book Ryanair flights with Chase at this time. Again, we hope this changes when Chase switches booking partners this year.

Related: The ultimate survival guide for flying Ryanair

Southwest Airlines

Like JetBlue, Southwest Airlines isn't a traditional low-cost carrier. The airline operates all-economy flights on leisure and business routes but doesn't have many of the fees you'll find on Frontier or Spirit. For example, each ticket includes two checked bags and a full-size carry-on.

At the same time, however, you cannot pick a seat ahead of time. Instead, you're assigned a boarding number and choose your own seat once on the plane. You can purchase priority boarding if you want a better shot at a specific seat.

One oddity of Southwest is that you cannot book its flights through online travel agencies like the Chase portal. If you want to book with your Chase points, you have to call in and ask an agent to book it for you.

Other than that, there are no major restrictions or differences when booking Southwest flights with Chase points versus booking online. I've found that Southwest flights booked over the phone cost the same as if booked directly on the Southwest website, and you still get the same baggage allowance.

Of course, you can also transfer your Chase points to Southwest Rapid Rewards and book award flights on Southwest's website. However, there are a few things to be aware of if you do this — check out TPG's full guide to booking Southwest flights with Chase points for more info.

Related: Battle of the airlines: Why I think Southwest Airlines is the best

Spirit Airlines

Spirit is the largest ultra-low-cost carrier in the U.S. and has grown a lot over the past decade. You'll need to pay for all extras when flying on Spirit, but that's reflected in its super-low fares. Like Ryanair, you'll often find extremely cheap fares on Spirit flights when booking in advance.

Unfortunately, you cannot book Spirit flights through the Chase portal at this time. We're hopeful that this will change when Chase switches booking partners.

Related: Hear us out: Why Spirit gives Delta a run for its money in our head-to-head comparison

Sun Country

Sun Country is a Minneapolis-based ultra-low-cost carrier that's rapidly expanding into new markets . At the time of writing, you cannot book the carrier's flights through the Chase travel portal.

Related: Budget airlines muscle into big airports as coronavirus creates new opportunities

Volaris is a major ultra-low-cost carrier in Mexico. Unfortunately, you cannot book flights on the airline through the Chase portal at this time.

Related: 11 things you should know before visiting Mexico

WestJet is a Canadian budget carrier that operates domestic Canadian flights and flights from Canada to Central America, the Caribbean, Europe, and the U.S. It's started to act more like a traditional airline over the years by adding business class to transatlantic routes and partnering with Delta but keeps its budget carrier roots with low fares.

You can book WestJet flights through the Chase portal without any difference in price or features. Just beware that the U.S.-Canadian border is still closed due to the coronavirus pandemic, so it may be some time before you'll want to book a WestJet flight.

Related: Delta and WestJet announce reciprocal elite benefits

This may change in the coming months

While you can't book most budget carriers through the Chase portal now, this could change in the coming months. Chase recently acquired cxLoyalty , which operated the Chase Ultimate Rewards Travel Portal until Expedia took over in 2018. This company currently manages Citi and Capital One's travel portal.

The acquisition likely means that Chase will switch away from Expedia in the coming months. In turn, we should see budget carriers return to the Chase portal. I ran a test search on Capital One's cxLoyalty-powered travel portal and found that many budget carriers appear in search results.

For example, I'm able to book a Spirit Airlines flight with my Capital One miles:

Likewise, Frontier flights showed in search results:

Unfortunately, I wasn't able to find flights on EasyJet, Ryanair or Volaris. I'd like to see cxLoyalty include these airlines before taking over the Chase portal. This would make Chase points more valuable for budget-minded international travelers who want to use their points to cover international tickets.

Related: 7 takeaways from my first Frontier Airlines flight in over 4 years

What's the best way to book low-cost carriers with points?

Budget travelers are best using Chase points for redemptions with transfer partners. If domestic travel is your goal, read TPG's guide to using Chase points for domestic travel . We go in-depth on booking flights with each major alliance, so you'll be able to book flights on major carriers like American, Delta and United.

Using your points for travel abroad can be easy too. You can transfer points to Avios and book intra-Europe flights with Aer Lingus, British Airways, Iberia and other partners. Likewise, you can transfer to United MileagePlus to book intra-Europe on Lufthansa Group airlines like Austrian, Brussels Airways, Lufthansa and Swiss.

With the limitations of the Chase portal, Ultimate Rewards points aren't the best for those that want to offset the cost of airfare on budget airlines. Instead, you'll want to use something like the Capital One Venture Rewards Credit Card to pay for your budget tickets. Then, you can offset the charges with your miles at a rate of 1.0 cents per mile.

The Venture card currently offers 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. The full bonus is worth $1,388 per TPG's most recent valuation of Capital One miles (not provided by the issuer).

Related: TPG beginner's guide: Everything you need to know about points, miles, airlines and credit cards

Bottom line

Here, I showed you everything you need to know about booking budget carriers through the Chase travel portal. While most budget carriers aren't bookable through the portal, we may see that change when Chase switches from Expedia to cxLoyalty as its travel booking partner. Only time will tell when this will happen, but we'll keep you updated.

Feature photo by Jetlinerimages/Getty Images