13 min read
Published: September 18, 2026
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Chase Ultimate Rewards points transfer to eligible airline loyalty programs from an eligible Chase card, once you've linked the airline account to your Chase profile. The transfer itself is fast, and it's one-way, so the sequence matters. Find a bookable award seat first, confirm the exact flights are available, then transfer only the points that award needs. The same order works whether you book United directly or reach Delta through a partner program. Get the sequence right, and the transfer takes only a few minutes on screen.
Chase airline transfers at a glance:
Confirm a bookable award seat with the ticketing airline program before you transfer, because the move can't be undone.
You need an eligible Chase card that earns transferable points to move points to airlines.
Link your airline loyalty account first, with the account holder name matched to your Chase profile.
Chase transfers to 14 airline and hotel partners. See Chase Transfer Partners for the full current list.
Transfers to airline partners are usually quick, but confirm the seat before you transfer.
Use a transfer bonus only when you already have a trip in mind, not as a reason to move points.
Explore our Chase hub
For more on getting real value from your Chase points dive deeper into our guides.
Before you transfer Chase points to an airline
Confirm the flight is available before you move anything, because a Chase transfer to an airline is final. What makes Chase easy at this stage is that the math is simple: every airline partner is an even 1:1 transfer ratio, so there's no card-specific ratios to decode the way there is at some banks. Your job is the seat, not the arithmetic. Confirm the exact award flight is bookable on your dates, that the airline program can book it, and that your loyalty account is open and name-matched. Then move only the points that the award needs.
Not every Chase card can transfer points to airlines. You need an eligible Chase card that earns transferable Ultimate Rewards points, which includes the premium (aka has an annual fee) travel and business cards in the lineup. Points earned on cash-back-style Chase cards (excluding the Ink Business Premier®) can move into an eligible card's balance and then transfer, so a two-card setup is common. If you only hold a card that earns basic cash back or a no-annual-fee Chase Sapphire card, you can't transfer to airlines until those points sit with an eligible card. Confirm your card qualifies before planning a transfer.
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Current Chase transfer partners
Chase points transfer to a focused set of airline and hotel loyalty programs. The list is smaller than some banks, but strong where it counts. Partner access and rules can change, so treat any outside list as a snapshot. Chase reaches 14 airline and hotel programs in total. Two examples show the process in practice: United and Southwest are both direct Chase partners, which is a real advantage, since few banks reach either one. For the complete, current roster and each program's ratio, see Chase Transfer Partners.
Chase airline transfer rules at a glance
This table covers the transfer mechanics that affect your booking.
Rule | Detail | Why it matters |
Eligible airline programs | Airline partners across the major alliances. See Chase Transfer Partners for the full list. | Prevents planning off an out-of-date roster |
Transfer ratio and increments | 1:1 to airline partners, in minimums of 1,000 points | Shows how many points a booking will cost |
Transfer timing | instant to most; most airline partners are quick | Helps you avoid losing award space while you wait |
Account matching | Airline account must be open and the name must match your Chase profile | Reduces failed or delayed transfers |
Reversibility | Transfers are final and can't be reversed | Reinforces confirming award space first |
Fees or charges | No transfer fee to airline programs | Nothing extra to add to the booking cost |
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How much are Chase points worth?
A Chase point's edge is what it can book that other banks can't. The direct lines to United and Southwest turn points into flights few transferable currencies reach at all. World of Hyatt is a strong hotel partner on top of that. Sent to the right premium award, a point can be worth several times its cash value; used on a weak one, much less. point.me values Chase points around 1.7 cents each as a general guide, but the number that matters is the value on your specific trip. For the full breakdown, see How Much Are Chase Points Worth?
How to transfer Chase points to travel partners
The process is short once your accounts are linked. You sign in to your Chase account, open the transfer-to-travel-partners area, choose the airline program, confirm the linked loyalty account, enter the number of points, and submit. It takes a few minutes, but the care should go into what you confirm before you click. The steps below follow that flow screen-by-screen.
Step 1: Log into your Chase account and under Rewards, click your Ultimate Rewards points balance.
Sign in to your Chase account and open your Ultimate Rewards balance. You may then be asked to choose which card you want to transfer points from. This happens if you have multiple Chase cards that earn Ultimate Rewards points. Choose a card that allows point transfers, such as an eligible Chase Sapphire Preferred or Reserve card.
Step 2: Click the Travel dropdown, then click Transfer points to partners.
Open the section for Travel in the top navigation. Then click Transfer points to partners. This is the hub that lists every program you can move points to.
Step 3: Select your airline transfer partner
Choose the airline loyalty program you want. If the airline you're trying to book isn't on the list, it isn't a direct Chase partner, and you may need to book through a partner airline in the same alliance. The airline-specific routes below cover the common cases.
Once you find the program, click Transfer Points at the bottom.
Step 4: Link partner accounts to Chase and Transfer
Connect your airline loyalty account before points can move. Enter the loyalty number and confirm the account holder name matches your Chase profile exactly, since a mismatch is the top reason a transfer fails or stalls.
Then, enter the number of points you want to transfer, then click Next.
Tip: Enter the amount you want to transfer. The system will automatically calculate how many miles that gives you with that program, including any transfer bonus that may be running.
Follow the remaining on-screen instructions to complete the transfer.
Which Chase cards or accounts allow point transfers?
Not every Chase card can transfer points to airlines. You need an eligible Chase card that earns transferable Ultimate Rewards points, which includes the premium (aka has an annual fee) travel and business cards in the lineup. Points earned on cash-back-style Chase cards (excluding the Ink Business Premier®) can move into an eligible card's balance and then transfer, so a two-card setup is common. If you only hold a card that earns basic cash back or a no-annual-fee Chase Sapphire card, you can't transfer to airlines until those points sit with an eligible card. Confirm your card qualifies before planning a transfer.
How long does a Chase points transfer take?
Transfers are usually quick but can sometimes be delayed at random, even with partners that are normally instant. So whenever possible, see if you can place the flight on hold before initiating the transfer—that way you've secured the seat and aren't left waiting on points that are stuck in limbo.
How to transfer Chase points to United
United is a direct Chase transfer partner, so you can move points straight into your MileagePlus account. This is one of Chase's standout strengths, since few others transfer to United. Confirm the exact United award seat first, because award pricing can move. Next step: see Best Ways to Use Chase Points for when a United transfer is the right call.
How to transfer Chase points to Southwest
Southwest is a direct Chase transfer partner, so points move straight into your Rapid Rewards account. Southwest awards are closely priced off the cash fare, so the points cost tracks the ticket price. Watch the cash fare and transfer when the pricing is good. Next step: see Best Ways to Use Chase Points for when a Southwest transfer is the right call.
How to transfer Chase points to Delta
Delta isn't a direct Chase transfer partner. To use Chase points for Delta flights, transfer to Virgin Atlantic Flying Club or Flying Blue, which can book Delta award space, and price the same Delta flights there. Confirm the seat through Virgin Atlantic or Flying Blue before moving points. Next step: see How to Book a Delta Air Lines Flight with Chase Points.
Tips for transferring Chase points to travel partners
Search for a bookable award seat before you transfer any points.
Confirm you're transferring from an eligible Chase card that earns transferable points.
For Delta or American, use an alliance partner. Neither is a direct Chase partner.
Treat transfer bonuses as time-sensitive, and check Current Transfer Bonuses instead of planning around an old offer.
Can you transfer Chase points between cards or accounts?
If you have multiple personal cards that earn Ultimate Rewards, you can combine them by pulling the points into whichever card allows transfers to travel partners. This is common if you're carrying a cashback-style card that still earns Ultimate Rewards alongside a card with full transfer privileges—you just consolidate everything into the card that unlocks transferability.
If you have a personal card and a business card, moving points between them usually requires a call to Chase. They'll help you shift points from the business account to the personal one, or vice versa, depending on which card allows the transfers. In many cases, though, the easier route is to link your personal and business online accounts together. Once linked, you can see and pool all your balances across both cards through a single login.
Transferring points to another person's account is also possible, but only between people in the same household—and that one always requires a phone call to Chase.
Frequently asked questions about transferring Chase points to airlines
Summary and expert verdict
Chase is one of the simplest currencies to transfer well. Every airline partner is an even 1:1, so there's no card-specific ratio to decode, and its direct lines to United and Southwest reach two airlines few other banks touch. That combination is what makes Chase points so easy to put to work. The safe sequence never changes, though: search for a bookable award seat first, confirm the program can book it, link your loyalty account with the name matched, then move only the points the award needs from an eligible card. The transfer is one-way, so the confirmed seat always comes before the click.
point.me take
Chase Ultimate Rewards is one of the simplest currencies to work with, largely because the math is easy: transfers are 1-to-1 with nearly every partner. The main exception is World of Hyatt, added this year, whose ratio isn't 1-to-1 and now depends on which Chase card you hold. Outside of that, it's easy to calculate exactly how many points you need to move.
The one catch is timing. While many Chase transfers are near-instant, we've noticed a good number get randomly delayed, likely held up by manual fraud checks. There's no way to expedite the process, so it pays to plan around it.
Our recommendation: if you're booking with a program that allows award holds, place the hold first, then initiate your transfer. Most of these programs require a phone call and a bit of patience, but it's worth it. A hold locks in the price and seat you want for a limited time, giving your points a window to post before you complete the booking. That way, a slow transfer won't cost you the award you were after.
— Jimmy Yoon, Head of Points Intelligence, point.me
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About the author
Jimmy Yoon
point.me Head of Points Intelligence
Jimmy has been in the loyalty space since 2005 and has personally helped point.me members redeem over 1 billion miles for premium flights and hotel stays. He specializes in award availability, transfer partner strategy, and squeezing maximum value out of every mile.
