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How Chase Sapphire Preferred Mile Transfers Work (Illustrated)

How Chase Sapphire Preferred Mile Transfers Work (Illustrated)

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This article was last updated Oct 16, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

One of the best features of the Chase Sapphire Preferred® Card is the ability to transfer your Ultimate Rewards points on a 1:1 basis — often instantaneously — to several lucrative airline and hotel point programs. Depending on when and how you travel, you may be able to get more value from your rewards points if you transfer them to a hotel or airline loyalty program, rather than redeem them through Chase.

Chase’s travel partners include:

  • United MileagePlus
  • Southwest Airlines Rapid Rewards
  • Aer Lingus, Aer Club
  • Flying Blue AIR FRANCE KLM
  • British Airways Executive Club
  • Iberia Plus
  • Virgin Atlantic Flying Club
  • Singapore Airlines KrisFlyer
  • JetBlue TrueBlue
  • Emirates Skywards
  • World of Hyatt
  • Marriott Bonvoy
  • IHG® Rewards Club

And you aren’t just limited to those travel partners either — many of Chase’s travel partners also have extensive travel networks of their own and partner with a wide range of hotels and airlines. For example, once you convert your points to United MileagePlus miles, you can then redeem them for a flight on one of United’s airline partners in the Star Alliance network, which includes Air Canada, Lufthansa, Swiss and ANA. Similarly, when you transfer your points to British Airways, you’ll be able to use your new Avios (the company’s name for its “reward currency”) to access oneworld partner airlines like American Airlines, Cathay Pacific, LATAM Airlines and Japan Airlines.

Be sure you know the value of an airline’s mileage program, though: Once you transfer your Ultimate Rewards points to another travel program, you’ll be subject to that airline’s rules and restrictions, as well as their pricing.

For example, if you’re thinking about transferring your points to United Airlines, check United.com first to see how many miles United requires for a flight. That should help give you a sense of how much your Ultimate Rewards points will be worth before you convert them to United MileagePlus miles.

  • 60,000 bonus points

  • 2X points on travel and dining

  • 1:1 point transfer to leading airline and hotel loyalty programs

Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

See additional details for Chase Sapphire Preferred® Card

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How to transfer your points once you’ve settled on a travel partner

1. Make sure you have a loyalty account set up with the airline or hotel partner you want to travel with. You can join an airline or hotel’s loyalty program at no cost if you don’t already have one. If you have an existing account, double-check the account number to make sure you’re adding to the miles you’ve already earned. The account that you transfer your points into can be in your name, or in the name of a household member if they’re listed as an authorized user on your Chase Sapphire Preferred® Card.

2. Log into your account at UltimateRewards.com. You can log in using the same username and password you use to manage your credit card bill with Chase.

3. Click on “Transfer to Travel Partners”

4. Select the partner you want to transfer your points to.

5. If you already have an account with an airline, enter your existing account information so that you can add to points or miles you already have. If you haven’t set up an account yet, set it up so you can enter your new information.

6. Type in the number of points you want to transfer.

That’s it! Your points will show up in your mileage account shortly, as the transfer is typically instant. However, Chase indicates that it could take as long a week for some transfer requests to process, depending on the program.

A few things to keep in mind…

  • Once a transfer is executed, you can’t reverse it, so make sure you’re sending the correct number of points to the right account and double-check the name and account number you fill in.
  • You can send your points to travel loyalty accounts that are in your name or to a household member’s loyalty account if they are an authorized user of your Chase Sapphire Preferred® Card.
  • Point transfers can be made in 1,000-point increments, which can be helpful if you’re nervous about losing your points to the wrong account. To make sure you’ve entered the right account information, consider doing a test transfer of 1,000 points before you transfer a larger amount.
  • You can transfer points from other Chase Ultimate Rewards® accounts (such as a Chase Freedom® or Ink Business Cash℠ Credit Card account) into your Chase Sapphire Preferred® Card’s Ultimate Rewards account. Another member of your household can also transfer their Ultimate Rewards points, even if they’re not an authorized user on your Chase Sapphire Preferred® Card account. That way, you can transfer even more miles to airline and hotel partners.
  • You may be charged a fee for transferring your points to frequent travel programs. However, if there is a fee, Chase will let you know beforehand.

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 16.74% - 25.49% Variable

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

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  • 0% for 12 Months

  • $500 bonus cash back

  • Earn 5% cash back in select business categories

Highlights
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

See additional details for Ink Business Cash℠ Credit Card

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How to transfer miles to someone else

You can transfer your Ultimate Rewards points to a member of your household. However, that person will need to be an authorized user on your Chase Sapphire Preferred® Card if you plan to transfer your points to a travel partner account that’s outside of Chase.

Be sure you want to transfer your points to that authorized user member of your household, since the process requires some commitment. Once you’ve transferred your points to someone else’s partner account, for example, you’ll forfeit the ability to transfer them to anyone else in your household.

According to Chase, “You can transfer points in 1,000 point increments, but only to participating frequent travel program accounts belonging to you or one additional household member who is listed on your account as an authorized user. Once you transfer points to an authorized user, that person will be the only authorized user eligible to receive point transfers through this program.”

If a spouse, child or other member of your household is an authorized user of your Chase Sapphire Preferred® Card, transferring your points to their account is easy: Just click on their name in the drop down menu under “Select Recipient.” Then fill in their account information.

Alternatively, you can transfer your points to another household member with their own Chase Sapphire Preferred® Card.

After logging into UltimateRewards.com, click on “See All” and then click on “Combine Points.”

Select the account you want to transfer your points from. Then enter your household member’s account information. Next, check the box certifying that you’re moving your points to a card that belongs to you or a member of your household.

Can you transfer to American AAdvantage®, Alaska MileagePlan, or Delta SkyMiles?

You won’t be able to transfer your Chase Ultimate Rewards points to American, Delta, or Alaska Airlines. However, that doesn’t mean that you can’t technically use your Ultimate Rewards points to help fund a free flight on those three airlines. The trick is to take advantage of Chase transfer partners that also partner with American, Delta, or Alaska. You can book award flights on American, for example, using British Airways Avios. Similarly, you can use Virgin Atlantic Flying Club miles to book a flight on Delta.

Check out our Tips for Booking Travel on the Chase Ultimate Rewards Website

Or if you’d like to book an Alaska Airlines flight, you can transfer your points to British Airways Avios and pay for your Alaska flight with your new Avios.

Alternatively, you can pay for an American, Delta, or Alaska flight using Ultimate Rewards points via the Chase Ultimate Rewards website.

If you want a credit card that transfers points to Delta miles, consider a card, like the American Express® Gold Card, that earns Membership Rewards points instead.

  • 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.*

  • Earn 4X points at restaurants worldwide and U.S. supermarkets on up to $25,000 per year in purchases, then 1X*

  • Up to $100 per year for incidentals*

Highlights
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.

See additional details for American Express® Gold Card

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