How long does it take to transfer Chase Ultimate Rewards points to partner programs?

Chase Ultimate Rewards points that make a great foundation for an award-winning traveler’s portfolio. Like others Transferable Loyalty CurrencyThese points can be redeemed high value prize because Airline and hotel partners.

As with any transferable points program, an essential aspect of using Chase Ultimate Rewards points is knowing how long it takes to transfer them to whichever partner you want to use them with. Long transfer times make it difficult to plan and book awards, especially when there are limited numbers. American Express Membership Rewards Some offer instant transfers, while Citi ThankYou Rewards Money transfers can take up to a week.

Here’s what you can expect when it comes to your Chase points transfer times.

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Chase Ultimate Rewards Conversion Time

To determine how long it takes for Chase Ultimate Rewards points to transfer to partners, we enlisted the help of several team members at TPG. We collected data points where employees transferred points to their respective individual airline and hotel partner accounts over the past few months. Then we tracked how long it took for them to appear. Here’s what we found:

Of the 14 programs, Ultimate Rewards transferred instantly to 13 partners, and we never had to wait more than two days for points to appear in any program. In most cases, any transferred rewards posted immediately—although Nick EwenTPG’s senior editorial director had to wait another 24 hours to receive his Aeroplan bonus in December 2023.

Of course, this transfer time represents our experience and shouldn’t be taken as a hard and fast rule. However, others have reported a similar timeline when transferring points from Chase Ultimate Rewards.

Your transfers may be faster or slower—especially if it’s your first transfer or you’ve just signed up for a loyalty program—but you can use them as a guide when planning your trips.

Related: From international business class to domestic travel: 6 of the best Chase Ultimate Rewards deals

Things to Consider Before Transferring Ultimate Rewards

While these results set a high bar for any transferable points program, there is still some risk that the availability of the prize may change while you wait for the points to appear in your account. Transfers are irreversible, so you could be stuck with thousands of points in a program you have little use for if the flight or hotel room you were betting on disappears.

While Ultimate Rewards mostly offers instant transfer times, here are some tips to help you avoid missing out on rewards while you wait for your points to transfer.

• Make sure your name is on Chase Credit Card exactly matches the name on your loyalty program account.
• Pause award bookings before transferring, if program allows.
• Choose flights that have more than one award seat available. This is useful in case someone else books before your points or miles show up. You can do a search for only three or four passengers, which will help you see how many seats are available.
• Have a backup plan. If your original itinerary is canceled due to overbooking, consider an alternative option (or options) so you can still book when your destination arrives.

If your original flight disappears, don’t panic. Remember that award availability changes frequently and can increase significantly as your departure date approaches. Check often and be prepared to act quickly when space becomes available.

Related: Traveling in 2024? These 11 Apps and Websites Make Finding Rewards Easier

Can you transfer Ultimate Rewards to someone else’s account?

Chase allows you to transfer points freely between your accounts. You can even transfer cash back rewards earned with cards like Chase Freedom Flex® or Chase Freedom Unlimited® into transferable Ultimate Rewards points. You need a Ultimate Rewards Rewards Card to qualify for this transfer option.

You can also Transfer your points to another Ultimate Rewards account belong to your spouse or family member. If you have a business card like Ink Business Preferred® Credit CardYou can transfer your points to a company-owned Ultimate Rewards account.

How to earn Chase Ultimate Rewards points

If you want to boost your Ultimate Rewards account, there are currently three Chase cards that offer generous rewards and significant welcome bonuses:

Just remember that Chase enforces a The 5/24 RuleThat means if you’ve opened five (or more) cards at any bank within the past 24 months, chances are you won’t be approved by Chase.

Related: The Best Ways to Use Your Chase 5/24 Slots

The last line

Transferring Ultimate Rewards points to airline and hotel partners is often the best way to get the most value out of your points.

Whether you’re looking to book cheap domestic flights through Southwest Airlines or a first-class adventure with Star Alliance, this program can help you get there. With points transferred instantly at a 1:1 ratio to most transfer partners, earning Ultimate Rewards points is worth it for almost any traveler.