Status: checked against official sources; automated independent review
GUIDE
How to transfer Chase Ultimate Rewards points to partners
Chase Ultimate Rewards is the rewards programme attached to eligible Chase credit cards, and on select cards it lets you move your points into participating airline and hotel frequent travel programmes. [2] Transfers are made in 1,000-point increments, most requests process by the next business day, and a completed transfer cannot be reversed. [3]
Facts checked: 18 October 2026
Key takeaways
- Ultimate Rewards transfers send points to airline and hotel travel partners, but only on select Chase cards. [2]
- Points move in 1,000-point increments, and the receiving frequent travel programme account must belong to the cardholder, or to a company owner listed as an authorized user on the business account. [3]
- A transfer fee may apply and is disclosed before you transfer; most requests process by the next business day but can take up to seven business days. [3]
- Once points are transferred they cannot be refunded or cancelled, and they then follow the receiving programme's rules. [3]
How do Ultimate Rewards transfers work?
Ultimate Rewards points can be used in several ways: cash, gift cards, travel booked through Chase, paying with points at third parties, and transferring points to participating frequent travel programmes. [3] Chase markets the transfer option as a way to move points to "leading airline and hotel travel partners" with select cards. [2]
The detailed mechanics appear in the programme agreement for the Ink Business Preferred with Ultimate Rewards card. Under that agreement, points can be transferred in 1,000-point increments, so a transfer always moves a whole number of thousands of points. [3] Points can go only to participating frequent travel programme accounts belonging to you, or to an owner of the company who is listed as an authorized user on the account. [3]
The account details you give Chase must match the information already on file with the receiving programme. Chase warns that any difference between the two may cause delays or prevent the points from transferring at all. [3]
Two glossary entries are useful alongside this guide: transfer partner, for the airline or hotel programme on the receiving side, and transfer ratio, for the exchange between the points you send and the currency credited. The 1,000-point step is covered under minimum transfer.
How long does a transfer take, and what does it cost?
Most point transfer requests process by the next business day, but the timing depends on the frequent travel programme involved and can stretch to seven business days. [3] That window matters when you are transferring to top up an account for an award you intend to book immediately: the points may not be there the same day. [3]
A point transfer fee may be charged. Chase says it will tell you whether a fee applies and what the amount is before the transfer is made. [3] To see how other US transferable-points currencies handle processing windows, see US transferable points transfer times compared.
What happens once the partner receives the points?
Once points have been transferred, they cannot be refunded and the transaction cannot be cancelled. [3] The transferred points become subject to the terms and conditions of the frequent travel programme, and Chase states that it is not responsible for the rules governing that programme or for how the points are used there. [3]
The line-up of participating frequent travel programmes can change without notice. [3] Chase points cardholders to chase.com/ultimaterewards to see what they can currently get with their points, which is where the live transfer options sit. [3] Checking before you commit is prudent precisely because a completed transfer cannot be undone. [3] For how the value of different currencies is compared, see US transferable points transfer ratios compared.
Limits and exceptions
- Points are lost outright in some cases. Ultimate Rewards points do not expire while the account is open, but all points are lost immediately if the account status changes or the account is closed for misuse, fraud, failure to comply with other Chase agreements, or because Chase believes you may be unable to pay your debts on time or has detected fraudulent activity. [3] Chase will not reinstate lost points unless it has made an error. [3]
- Closure for other reasons. If the account is closed for any other reason, the cardholder has at least 30 days from the closure date to use the points; anything unused is lost unless the law limits or prohibits that, in which case unused points are automatically redeemed for cash as an account statement credit. [3]
- Programme cancellation. If Chase cancels the programme, cardholders get at least 30 days from the cancellation date to use their points, with the same automatic cash redemption fallback. [3]
- Death of the cardholder. Points are automatically redeemed for cash in the form of an account statement credit. [3]
- No sideways moves. Points cannot be transferred or moved unless the agreement expressly provides for it, and they cannot pass by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce. [3] Points are not the cardholder's property and have no value until redeemed. [3]
- Pooling is a separate route. Moving points to another Chase card with Ultimate Rewards is handled inside the programme rather than at a travel partner, and it is blocked if either account is prohibited from earning or using points. [3] See Chase Ultimate Rewards pooling rules.
Frequently asked questions
What is the minimum Ultimate Rewards transfer?
Transfers are made in 1,000-point increments under the Ink Business Preferred with Ultimate Rewards programme agreement, so each transfer moves a whole number of thousands of points. [3]
How long does an Ultimate Rewards transfer take?
Most requests process by the next business day, and the outer limit Chase gives is seven business days depending on the frequent travel programme. [3]
Can you cancel a transfer after it is sent?
No. Once points are transferred they cannot be refunded and the transaction cannot be cancelled. [3]
Can you transfer points to someone else's airline or hotel account?
Only to accounts belonging to you, or to an owner of the company who is listed as an authorized user on the business card account. [3]
Do Ultimate Rewards points expire while you wait to transfer?
Points do not expire as long as the account is open, though they are lost immediately if the account status changes or the account is closed for misuse, fraud or the other listed reasons. [3]
Sources
Sources accessed on 18 October 2026. It covers Ultimate Rewards transfers only: co-branded Chase cards that earn a partner's currency directly are outside its scope, and so are the airline and hotel programmes' own award, expiry and elite rules, which apply once points arrive in a partner account.
- Chase Ultimate Rewards programme overview, checked 18 October 2026
- Ink Business Preferred with Ultimate Rewards Program Agreement (PDF), checked 18 October 2026