Chase Final Rewards switch companions: Information to redeeming your factors

Chase Final Rewards factors are the foreign money of most Chase-branded credit cards. You’ll be able to earn Chase Ultimate Rewards factors for on a regular basis spending after which redeem them for a variety of rewards.

Regardless of rising competitors from American Categorical Membership Rewards factors, Citi ThankYou Rewards factors, Bilt Rewards Factors, Wells Fargo Rewards factors and Capital One miles, Chase factors have maintained their place as one of the beneficial and helpful rewards currencies — particularly with beneficial rewards playing cards just like the Chase Sapphire Preferred® Card (see rates and fees) and the Chase Sapphire Reserve® (see rates and fees).

Provide ending quickly: Earn 100,000 bonus factors with the Chase Sapphire Preferred after spending $5,000 on purchases inside the first three months from account opening.

Transferring Final Rewards factors to journey companions is usually essentially the most beneficial approach to redeem your hard-earned rewards. With 14 completely different switch companions, you could have loads of choices.

Right here is all the pieces to learn about Chase Final Rewards’ switch companions.

Associated: 10 best ways to use 100K Chase points: From first-class flights to all-inclusive getaways

Who’re the Chase Final Rewards switch companions?

You’ll be able to switch Final Rewards factors to 11 airline packages:

Chase additionally companions with three lodge packages:

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All switch ratios are 1:1 — although there are occasional transfer bonuses — and you have to switch factors in 1,000-point increments.

How lengthy do Chase Final Rewards transfers take?

Most transfers from Chase Ultimate Rewards to its partner programs are instantaneous. Nevertheless, in our most up-to-date testing, transfers to Singapore Airways KrisFlyer took about 48 hours.

Be aware that switch bonuses will also be inconsistent. For instance, when TPG’s Senior Editorial Director Nick Ewen transferred factors to Aeroplan to reap the benefits of a (on the time) 20% bonus, the bottom factors arrived instantly, however the bonus factors took three days to put up to his account.

Whereas most transfers by means of the Chase portal ought to be instantaneous, delays can occur when transferring your factors. To assist with the switch course of, we suggest ensuring that the title in your Final Rewards account matches that in your loyalty program account. Moreover, be sure to have signed up with a loyalty program upfront, as a brand new account may trigger a delay within the switch course of.

How do I switch Chase Final Rewards factors to companions?

You’ll be able to simply switch Chase factors on-line. First, log in to your Chase account and navigate to the Final Rewards portal. Beneath the “Journey” drop-down, choose “Switch factors to companions” to entry the principle switch web page.

You’ll then see the record of switch companions and any present switch bonuses. Choose your required switch associate, hyperlink your exterior account when you have not already accomplished so, choose the variety of Final Rewards factors you want to switch after which submit the switch.

Keep in mind, Final Rewards transfers can’t be reversed, so it is best to attend till you could have a particular redemption you wish to make earlier than transferring them.

What are one of the best Chase Final Rewards switch companions?

In case you favor to switch your factors to one of many 11 completely different airline program companions, one of the best redemption choices for you possibly can fluctuate, relying on elements equivalent to which airways fly to and from the locations you want to go to and which airways you wish to journey aboard.

Nevertheless, there are notable candy spots with sure airline switch choices, particularly these packages which have retained award charts.

Listed below are a few of our favourite flights to e book utilizing Chase factors.

E-book a round-trip flight to Madrid utilizing Membership Iberia Plus

Flying from the U.S. to Spain does not must set you again 1000’s of {dollars}. In reality, a notable redemption choice is utilizing Membership Iberia Plus to fly round-trip to Madrid for as little as 34,000 factors.

Spherical-trip, off-peak flights from New York’s John F. Kennedy Worldwide Airport (JFK), Chicago’s O’Hare Worldwide Airport (ORD) and Boston Logan Worldwide Airport (BOS) to Spain’s capital will solely set you again 34,000 Avios in economic system, 51,000 in premium economic system or 68,000 in enterprise class while you switch your Chase factors to Membership Iberia Plus.

Contemplating that the majority airways cost no less than 60,000 miles for a one-way business-class award to Europe, you are basically getting a 50% low cost.

E-book flights to Hawaii with British Airways

Do you know that you could e book American Airways and Alaska Airways flights with Chase factors? Although the carriers will not be direct switch companions of Chase, you possibly can e book flights on these carriers by transferring your Final Rewards factors to British Airways. You’ll be able to then e book awards with fellow Oneworld companions American Airways and Alaska Airways.

So long as your nonstop flight distance is below 3,000 miles every manner (and saver-level award area is obtainable), you possibly can leverage British Airways’ distance-based award chart to fly from any West Coast gateway to Hawaii for 40,000 Avios round-trip.

Fly first-class to Japan by reserving ANA flights by means of Virgin Atlantic

Is a visit to Japan in your bucket record? Properly, for simply 145,000 Virgin Atlantic Flying Membership factors, you possibly can fly round-trip in first-class on All Nippon Airways between the West Coast and Tokyo. Flights from the East Coast to Tokyo will value 170,000 factors round-trip.

Enterprise-class redemptions are a fair higher deal, costing simply 105,000 to 120,000 factors round-trip, relying in your U.S. departure airport. If potential, you will wish to route by means of JFK and fly ANA’s industry-leading “The Room” business class, which is simply out there on choose routes.

Nevertheless, be aware that availability could be tough to return by.

E-book lie-flat business-class seats to London with Virgin Atlantic

Is London calling? Although Virgin Atlantic Flying Membership costs its award seats dynamically, the loyalty program affords Saver fares for low-demand journey dates. Subsequently, when you’re versatile and are available throughout availability, you possibly can rating lie-flat business-class seats from JFK to Heathrow Airport (LHR) for as little as 29,000 factors.

In case you’re trying to be extra thrifty together with your hard-earned reward factors, you possibly can fly the very same route in economic system for as little as 6,000 factors. Make sure you use Virgin’s reward seat checker to search out Saver fares or an award reserving platform like Seats.aero that will help you search dates and costs.

Keep at a top-tier Hyatt lodge

Other than transferring your Chase factors to airline companions to maximise their worth, we additionally suggest reserving stays with World of Hyatt. The lodge loyalty program affords a really engaging award chart, which is damaged up into completely different “classes” and peak, off-peak and commonplace dates.

By transferring your Chase factors to Hyatt, you possibly can e book among the fanciest Park Hyatt properties in the complete portfolio, together with the Park Hyatt New York and Park Hyatt Sydney, for simply 35,000 factors per evening throughout off-peak dates.

TPG values Hyatt factors at 1.7 cents every (per our Could 2025 valuations), so 35,000 factors are price $595. That is an important deal for lodge rooms that usually promote for near $1,000 per evening, even when demand is low.

There’s additionally nice worth on the decrease finish of the Hyatt award chart. Category 1 hotels vary from 3,500 to six,500 factors per evening.

If trying to maximize your Chase points, we suggest using switch companions. Nevertheless, you must all the time evaluate the money worth to the variety of factors required to e book. Moreover, earlier than transferring your factors, ensure that there’s availability — transfers are irreversible.

Associated: The best Chase Ultimate Rewards sweet spots

TPG values Final Rewards factors at 2.05 cents apiece, per our Could 2025 valuations, and we imagine you’ll obtain one of the best worth by transferring factors to airline and lodge companions.

Nevertheless, you will get various values for Chase factors when you pursue different redemption alternatives. For instance, Final Rewards factors are price 1.5 cents apiece by means of the Chase Journey℠ portal for Sapphire Reserve cardholders or 1.25 cents for these with the Sapphire Preferred or Ink Business Preferred® Credit Card (see rates and fees).

You will even have entry to Chase Pay Yourself Back as a cardholder of any of the above playing cards, and there are often affords to use Chase points for Apple products or gift cards at an enhanced worth.

Lastly, Chase factors are price 1 cent apiece if used for easy money again.

There are numerous methods to earn Chase factors at a price of 1-10 factors per greenback spent, relying on the particular Chase credit card you carry.

The primary three playing cards beneath earn absolutely transferable Final Rewards factors by themselves, whereas the remaining 4 are technically billed as cash-back credit cards.

Nevertheless, when you have an Final Rewards points-earning card, you possibly can successfully convert your cash-back rewards into Final Rewards factors. Because of this, having multiple Chase card could make sense to maximise your incomes and redeeming potential.

Listed below are the playing cards that can help you earn Chase Final Rewards factors.

Chase Sapphire Most well-liked Card

Welcome bonus: Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.

Why you need it: It is a incredible all-around travel credit card. It earns factors on the following charges:

• 5 factors per greenback spent on Lyft (by means of Sept. 30, 2027)
• 5 factors per greenback spent on all journey bought by means of Chase Journey
• 3 factors per greenback spent on eating, together with eligible supply providers, takeout and eating out
• 3 factors per greenback spent on choose streaming providers
• 3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
• 2 factors per greenback spent on all different journey
• 1 level per greenback spent on all different purchases

The Sapphire Most well-liked has no foreign transaction fees and has many travel perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and primary car rental insurance.

Annual price: $95

Software hyperlink: Chase Sapphire Preferred Card

Chase Sapphire Reserve

Welcome bonus: Earn 60,000 factors after you spend $5,000 on purchases within the first three months from account opening.

Why you need it: The Sapphire Reserve affords incomes energy paired with journey perks that may simply cowl the annual price. It earns factors on the following charges:

• 10 factors per greenback spent on Chase Dining booked by means of Final Rewards
• 10 factors per greenback spent on lodge and automotive rental purchases by means of Chase Journey
• 5 factors per greenback spent on airline journey booked by means of Chase Journey
• 5 factors per greenback spent on Lyft (by means of Sept. 30, 2027)
• 3 factors per greenback spent on travel not booked by means of Chase
• 3 factors per greenback spent on different dining purchases
• 1 level per greenback spent on all different eligible purchases

Different perks embody an easy-to-use $300 annual travel credit, a price credit score for Global Entry or TSA PreCheck (as much as $120 as soon as each 4 years), and entry to Priority Pass Select lounges in addition to the growing list of Sapphire lounges. Cardholders additionally get main automotive rental protection, trip interruption/cancellation insurance and other protections.

Annual price: $550

Software hyperlink: Chase Sapphire Reserve

Ink Enterprise Most well-liked Credit score Card

Welcome bonus: Earn 90,000 factors after spending $8,000 on purchases within the first three months from account opening.

Why you need it: This is among the best credit cards for small-business owners, incomes 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey; transport purchases; web, cable and cellphone providers; and promoting made with social media websites and search engines like google and yahoo every account anniversary yr. You earn 1 level per greenback spent on all different purchases, and factors do not expire so long as your account is open.

Annual price: $95

Software hyperlink: Ink Business Preferred Credit Card

Money-back Chase bank cards

4 Chase bank cards are technically billed as cash-back merchandise. Nevertheless, suppose you could have one of many three playing cards famous above. In that case, you possibly can mix your factors in a single account, changing these cash-back rewards into absolutely transferable Final Rewards factors.

Even higher? None of those playing cards fees an annual price.

Listed below are the 4 playing cards that supply this performance:

• Chase Freedom Flex® (see rates and fees): Earn $200 after you spend $500 on purchases within the first three months from account opening. Earn 5% again on choose bonus classes, which rotate every quarter and apply to as much as $1,500 in mixed spending (activation required). Plus, earn 5% on journey bought by means of Chase Travel, 3% on eating at eating places (together with takeout and eligible supply providers), 3% on drugstore purchases, and 1% on all different purchases.
• Chase Freedom Unlimited® (see rates and fees): Earn $200 after you spend $500 on purchases within the first three months from account opening. Plus, earn 5% on journey bought by means of Chase Journey, 3% on eating at eating places (together with takeout and eligible supply providers), 3% on drugstore purchases and 1.5% on all different purchases.
• Ink Business Cash® Credit Card (see rates and fees): Earn as much as $750: $350 bonus money again after you spend $3,000 on purchases within the first three months, and a further $400 while you spend $6,000 on purchases within the first six months from account opening. Earn 5% money again on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable and cellphone providers every account anniversary yr (then 1% money again). Earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary yr (then 1% money again).
• Ink Business Unlimited® Credit Card (see rates and fees): Earn $750 money again after spending $6,000 on purchases within the first three months from account opening. Earn limitless 1.5% cash-back rewards on each buy.

Be aware that Chase additionally points the Ink Business Premier® Credit Card (see rates and fees). Nevertheless, the earnings on this card cannot be mixed with others within the Final Rewards ecosystem.