Cashing out Chase Ultimate Rewards points for a penny each is fine, but it is rarely the best you can do. The real power of the program is transferring points to airline and hotel partners, where a smart redemption can be worth several times more. To do that well, you first need to know exactly who the partners are.
This is the full Chase Ultimate Rewards transfer partners list as of July 2026, with every airline and hotel partner, the transfer ratios, the minimums, and one important ratio change you should know about. If you hold a card that earns transferable points, this is your reference.
Which cards can transfer points
Before the list, a quick note on eligibility. Transferring to travel partners requires a Chase card that earns full Ultimate Rewards, such as the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred. Cash-back cards like the Freedom lineup earn points, but you generally need to pair them with one of those premium cards to unlock transfers. If you are deciding which premium card to anchor your points to, our Chase Sapphire Preferred vs Reserve comparison breaks down the fee and perk tradeoffs.
You need a premium Chase card, like the Sapphire Preferred or Reserve, to transfer Ultimate Rewards points to travel partners.
The airline transfer partners
As of July 2026, Chase has 10 airline transfer partners. Points move at a 1:1 ratio to every one of them, with a minimum transfer of 1,000 points, and most transfers post almost instantly.
| Airline program | Transfer ratio | Minimum |
|---|---|---|
| Aer Lingus AerClub | 1:1 | 1,000 |
| Air Canada Aeroplan | 1:1 | 1,000 |
| Air France-KLM Flying Blue | 1:1 | 1,000 |
| British Airways Club | 1:1 | 1,000 |
| Club Iberia Plus | 1:1 | 1,000 |
| JetBlue TrueBlue | 1:1 | 1,000 |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 |
| Southwest Rapid Rewards | 1:1 | 1,000 |
| United MileagePlus | 1:1 | 1,000 |
| Virgin Atlantic Flying Club | 1:1 | 1,000 |
A few of these stand out. Air Canada Aeroplan is a favorite for premium-cabin awards thanks to its broad partner chart and stopover options. The three Avios programs, British Airways, Iberia, and Aer Lingus, share the Avios currency and are strong for shorter flights and transatlantic sweet spots. Southwest and United are the workhorses for domestic travel. If Southwest is your main airline, transferring points is only one option, and it is worth comparing against a co-brand card in our Southwest Airlines Visa guide before you move points over.
If all this transfer complexity has you wanting something simpler, the Robinhood Gold Card earns a flat 3% unlimited cash back on everything with no foreign transaction fee, opened through Robinhood. For a good-credit traveler who would rather not manage award charts, it is a strong flat-rate alternative to a transferable-points card.
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The hotel transfer partners
On the hotel side, Chase has 4 partners as of July 2026. Wyndham Rewards was added in early 2026, joining the three long-standing programs. As with airlines, the minimum transfer is 1,000 points.
| Hotel program | Transfer ratio | Minimum |
|---|---|---|
| World of Hyatt | 1:1 (see note below) | 1,000 |
| Marriott Bonvoy | 1:1 | 1,000 |
| IHG One Rewards | 1:1 | 1,000 |
| Wyndham Rewards | 1:1 | 1,000 |
World of Hyatt is widely considered the most valuable hotel partner because its award chart can deliver outsized value on both everyday and luxury properties. If you lean heavily on Hyatt, our World of Hyatt credit card review covers a co-brand option that can complement transferred points with free anniversary nights. Marriott Bonvoy and IHG One Rewards tend to offer weaker per-point value, so transfer to them only when you have a specific booking in mind.
The important Hyatt ratio change
Here is the update you should not miss. Chase is changing the Hyatt transfer ratio for two cards from the usual 1:1 to 4:3, meaning three Hyatt points for every four Ultimate Rewards points transferred.
This affects Chase Sapphire Preferred and Ink Business Preferred cardholders. For new Sapphire Preferred applicants, the 4:3 ratio is effective for those who applied on or after June 15, 2026, and it takes effect October 1, 2026, for those who applied before that date. For Ink Business Preferred, the 4:3 ratio applies to new applicants on or after October 1, 2026, and to existing cardholders starting October 1, 2026.
Cardholders with the Chase Sapphire Reserve are not affected by this change and continue to transfer to Hyatt at 1:1. If you value Hyatt transfers highly, that difference is worth weighing when you choose a card, and it is one reason some travelers chase the larger Chase Sapphire Reserve sign up bonus despite the higher annual fee.
If you are close to qualifying for a premium Chase card but not quite in its score range, the Aspire Mastercard can act as a graduation path, an unsecured card that helps you build toward the good-to-excellent credit these transferable-points cards require.
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How to actually transfer points
The process is simple. Log in to your Chase account, go to the Ultimate Rewards travel section, and select the transfer partners option. You will need to link your loyalty account for the partner, then choose the amount to transfer in increments of 1,000 points.
Most transfers, including to United, Southwest, and the Avios programs, are close to instant. A few take longer, and Singapore Airlines KrisFlyer typically takes one to two days. Because transfers cannot be reversed, only move points once you have confirmed the award you want is available.
A word of caution on transfers
Transferring points is powerful, but it is not risk-free. Once points leave Chase, you cannot move them back, and airline award space or hotel rates can change between when you transfer and when you try to book. The safe habit is to find and hold your award first, then transfer only the exact number of points you need.
It is also worth remembering that transfer value only beats cash-back value when you redeem thoughtfully. A poorly chosen redemption can be worth less than simply taking a penny per point. If your spending does not justify a premium annual fee, a no-fee earner may fit better, and our Chase Freedom Unlimited review shows how that card can feed points into a Sapphire account for transfers.
Building toward a transferable-points card
The cards that unlock these transfer partners, like the Sapphire lineup, require good-to-excellent credit. If you are not there yet, that is completely normal, and the fix is to build your credit before you apply. Once you qualify, our Chase Sapphire Preferred vs Chase Freedom Unlimited comparison can help you decide which card to open first.
A no-deposit starter card is the reliable first step. The Arro Card is an unsecured option that helps you establish a positive payment history without putting down a deposit, so you can work toward the score a premium rewards card requires. As your credit improves, you can time your application for a card like the Sapphire Preferred so it counts.
Frequently Asked Questions
How many Chase transfer partners are there in 2026?
As of July 2026, Chase Ultimate Rewards has 14 travel transfer partners: 10 airlines and 4 hotels. The airlines include United, Southwest, Air Canada Aeroplan, and the Avios programs, while the hotels are Hyatt, Marriott, IHG, and Wyndham.
Do Chase points transfer at 1:1?
Most Chase transfer partners use a 1:1 ratio with a 1,000-point minimum. The main exception is World of Hyatt, which is moving to a 4:3 ratio for Sapphire Preferred and Ink Business Preferred cardholders on set dates in 2026, while Sapphire Reserve holders keep 1:1.
What is the best Chase transfer partner?
It depends on your trip, but World of Hyatt is often called the most valuable hotel partner, and Air Canada Aeroplan is a top pick for premium-cabin flights. The Avios programs are great for short-haul and certain transatlantic routes. The best partner is always the one with an award you actually want to book.
How long do Chase point transfers take?
Most transfers are close to instant, including United, Southwest, and the Avios programs. A few take longer, and Singapore Airlines KrisFlyer typically takes one to two days. Because transfers cannot be reversed, confirm your award is available before you move points.
Next steps
Start by confirming which of your cards can transfer points, then identify the specific flight or hotel award you want before moving anything. Match that goal to the right partner from the list above, watch the Hyatt ratio change if it applies to your card, and transfer only the points you need once the award is confirmed.
