travel partners for chase sapphire

Trending Stories

Chase Sapphire Preferred ® Card Airline Partners: Which Airlines Are Available?

Get the most value from your Chase Sapphire Preferred points by transferring them to these 11 partner airlines.

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies .

One of the biggest benefits of a great travel rewards credit card is the ability to transfer your points to partner companies. The Chase Sapphire Preferred ® Card is one of our favorite travel credit cards and lets you transfer your points to any of Chase’s 11 airline travel partners, including JetBlue, Southwest, and United.

Your points transfer at their full value, and you can use them for airfare, upgrades, and other perks that each airline offers. You can also redeem your points for flights in the Chase Travel portal at an increased rate, so you have plenty of great options with these points.

Let’s take a closer look at Chase’s airline travel partners, how to transfer your points, and how to redeem your points for flights in the Chase Travel portal, if you’d rather go that route.

Key Takeaways

Who are the chase sapphire preferred airline transfer partners, the value of booking with chase sapphire preferred airline partners, how to transfer your points to chase sapphire preferred airline partners, how to book through the chase travel portal.

How to earn Chase Sapphire Preferred points

Alternative Chase cards

Bottom line.

• Chase has partnerships with 11 airlines, including Air Canada, British Airways, Emirates Airlines, and more.
• You can typically transfer Chase Ultimate Rewards points to partner airlines at a 1:1 ratio. Every now and then, Chase runs transfer promotions for specific airlines that provide even better transfer rations.
• You can also book your flights through the Chase Travel portal for a simplified booking process and increased point redemption value.
• You can earn Chase Ultimate Rewards points for travel through the Chase Sapphire Preferred’s new cardmember bonus, spending bonuses, or even by transferring points from a different Chase card.

Chase has 11 airline partners that allow you to transfer your Ultimate Rewards points to their frequent flyer programs. You can use transferred points to purchase reward flights, upgrades to first class, and other perks.

Let’s take a look at Chase’s airline partners that you can transfer your points to.

These transfer options give you a lot of value because your points are moved from Chase to each of these programs on a 1:1 ratio. That means that 1 Chase Ultimate Rewards point is equal to 1 frequent flyer point or mile in redemption value.

Once your points actually make it to the airline partner, their value depends on the airline and what you’re using the points for.

Points have to be transferred in 1,000-point increments. For example, if you had 12,000 Ultimate Rewards points, you could only transfer 1,000, 2,000, 3,000, etc., points to your United MileagePlus account. You wouldn’t be able to transfer 1,500 or 3,200 points.

Generally, your points will transfer instantly to your frequent flyer account, but in some cases, it can take up to seven business days for the transaction to be completed. When I transferred points from my Chase Ultimate Rewards portal to United Airlines for my most recent trip, the points showed up in my United account right away.

To make sure the process is as seamless as possible, make sure the name on your Travel account exactly matches the name on your frequent flyer account. You can only transfer your points to your airline account or an authorized user’s account.

As a Chase Sapphire Preferred cardholder, you can transfer your points to one of 11 airline partners to pay for tickets, upgrades, and other perks offered by frequent flyer programs.

The value you get when you transfer Chase Ultimate Rewards points to a partner airline varies depending on the redemption option you choose. Most partners offer a value of 1.2 to 1.6 cents per point, but if you use your points to book a premium ticket on an international flight, you may be able to get an even higher value.

Before transferring your Chase points to a partner airline, it’s worth exploring the value you’ll get. When you book your flights through Chase’s travel portal, you’ll get a value of 1.25 cents per point — use that as a benchmark when you’re deciding whether the transfer is worth it.

Example transfer

For example, you could transfer your Ultimate Rewards points to Singapore Airlines’ KrisFlyer program. Travelers have reported booking Business Class award flights on Singapore Airlines from the West Coast to Singapore for less than 100,000 KrisFlyer miles.

If you were to book a similar ticket with cash, it would cost you an average of $5,110. In this case, your points would be valued at over 5.1 cents each.

It can take some research to find the sweet spots for a transfer partner's rewards program, but the results can be well worth the time and effort.

The right travel card for you is the one that matches your interests and spending habits, allowing you to earn valuable rewards and travel the way you like — for less. Learn more about these top cards and choose what's best for you.

Before you transfer points, find the flight you’d like to redeem your points for on the partner airline’s website. Point transfers are one-way. Once you transfer your points from Chase, you can’t move them back. So, it’s important to know how many points you’ll need and how you’ll use them before you start the transfer process.

Once you know exactly how many points you want to transfer, here are your next steps:

1. Log into your Chase account and visit the Ultimate Rewards portal .

2. Select the option to “Transfer points to partners.” If you’re on a computer, you’ll find this in the menu along the top of the screen under the dropdown labeled “Travel.” If you’re on the Chase app, you’ll find it under the option “Redeem points.”

3. On the next screen, select the airline program for point transfer, review the details, and click “Transfer Points” to proceed.

4. Provide the necessary information on the next screen. You’ll choose which card user to transfer points to (if there’s more than one) and verify your airline program membership information.

5. Type in the number of points you want to transfer. Remember, you can only transfer points in increments of 1,000.

6. Review your transfer details one last time before officially submitting it. You can’t transfer your points back, so read the details extra carefully to make sure you’re transferring the right amount of points to the right program.

If you prefer the convenience of a one-stop shop, the Chase Travel portal makes it simple to book flights, hotels, rental cars, cruises, and other kinds of travel using points. It’s a good place to start researching flight times and prices, and it’s easy to pay for your flights in the portal using Ultimate Rewards points, a credit card, or a combination of both.

With certain Chase credit cards , like the Chase Freedom Flex ® , points are only valued at one cent each. However, with the Chase Sapphire Preferred, you get added value. When you book through the Chase Travel portal using your Sapphire Preferred card, your points will be worth $0.0125 or 1.25 cents each, which can add up to significant savings.

And you even get this elevated point value for points earned on another Chase card. For example, I have both the Chase Freedom Unlimited ® and the Chase Sapphire Preferred in my wallet because there are some purchases where the Chase Freedom Unlimited gets me more points. When I’m ready to book a trip I can transfer the points from my Chase Freedom Unlimited to my Chase Sapphire Preferred and enjoy the 25% higher redemption rate.

It’s worth noting that, until recently, you could book flights with all of Chase’s transfer partner airlines — as well as some non-partner airlines — through the portal, except for Southwest Airlines, which required you to buy your tickets directly through them. This has changed, and you can now buy your Southwest tickets right in the Chase Travel portal.

If you’re opting to book your flight directly in the Chase Travel portal rather than by transferring your points to a partner airline, here are the steps you’ll need to follow:

1. Log into your Chase account and visit the Chase Travel portal . You can get there right from your homepage on either a computer or the Chase mobile app.

2. Search for flights by entering your departure and destination airports, your travel dates, whether it’s a one-way or round-trip flight, your desired travel class, and the number of travelers.

3. Review and sort the flight options in the results based on your preferences, such as airline, price, departure times, and number of stops.

4. Choose your flights, verify the schedule, provide necessary details, and enter your frequent flyer number if available to earn points.

5. When you reach the payment option, you will see how many points you have and how much the cost of the flight is in terms of dollars and points. You can choose to pay with points , a credit card, or both.

There are a handful of different ways you can earn Chase Ultimate Rewards points on your Chase Sapphire Preferred. First, Chase is currently offering 60,000 bonus points when you spend $4,000 in the first 3 months as a new cardmember.

You can also earn points in a bunch of different spending categories, including:

• 5X points on travel purchased through Chase Travel℠
• 2X points on other travel purchases
• 3X points on dining, select streaming services, and online groceries
• 1X points for all other purchases

As we mentioned, you can also transfer the points from your other Chase cards to your Chase Sapphire Preferred to get the increased redemption rate when you’re booking your travel. This presents a great opportunity to maximize your point earnings.

For example, you can use your Chase Sapphire Preferred for the spending categories where it offers elevated rewards. Then for all other purchases, use something like the Chase Freedom Unlimited that offers 1.5% cash back on all other purchases.

The Chase Sapphire Preferred is hands-down one of my favorite travel credit cards, but it may not be the right choice for everyone. If you’re looking for an alternative, take a look at how this card stacks up to other popular Chase cards in the table below.

The Chase Sapphire Reserve ® is another great option for travelers who want to use their credit card points to book travel, while the Chase Freedom Flex and Chase Freedom Unlimited cards are solid options if you just want a great all-around rewards card.

Is the Chase Sapphire Preferred worth it?

The Chase Sapphire Preferred is one of our favorite credit cards , but whether it’s worth it depends on your spending and travel habits. This card offers plenty of benefits and protections, making it a great fit for frequent travelers as well as those who take a couple of trips or more a year.

When you book travel with Chase Ultimate Rewards points through Chase Travel, you get 25% more value per point with this card. While abroad, you can enjoy paying no foreign transaction fees. All of these benefits combined make it easy to justify the $95 annual fee.

How much are 80,000 Ultimate Rewards points worth?

Each Ultimate Rewards point is worth $0.01. Your 80,000 points are worth $800 if you use them for a statement credit, a cash payout, or to purchase gift cards and merchandise. If you use them to book travel through Chase Travel, each point is worth $0.0125, making your 80,000 points worth $1,000.

What airlines can you book through Chase Travel?

Using Chase Travel, you can book flights on more than 250 domestic and international airlines. Domestic carriers include Delta, American Airlines, United, Alaska Airlines, Hawaiian Airlines, and JetBlue. International carriers include KLM, Lufthansa, Finnair, British Airways, Air Canada, Emirates, Qantas, Korean Air, Virgin, and Cathay Pacific, among others.

What airlines can I transfer Ultimate Rewards points to?

Chase Travel has partnerships that allow you to transfer points to frequent flier programs from the following providers: Aer Lingus, Air Canada, British Airways, Emirates, Air France/KLM, Iberia, JetBlue, Singapore Airlines, Southwest Airlines, United, and Virgin Atlantic.

Do Chase points expire?

As long as your Chase account is open and in good standing, your Chase Ultimate Rewards points won’t expire. However, you’ll lose your unredeemed points if you close your account (or if Chase closes it).

Who are Chase's hotel transfer partners?

Chase's hotel transfer partners are IHG Hotels & Resorts, Marriott Bonvoy, and Hyatt. Just like with Chase’s airline partners, you can transfer your Ultimate Rewards points to these hotel partner loyalty programs.

All in all, you have a lot of travel options to choose from when you use Chase Ultimate Rewards points with your Chase Sapphire Preferred card. You can use your points either through Chase’s travel portal or transfer those points over to your favorite frequent flyer program to get the benefits only offered by the airline carrier.

Which is the best move? Only you can answer that question. We’d recommend considering the value of the points in each airline’s frequent flyer program versus redeeming them directly through Chase. No matter what you decide, keep your points safely in your Chase account until you’re ready to use them, and check out all of your Chase travel partner options before committing your points to one option or another.

The right travel card for you is the one that matches your interests and spending habits, allowing you to earn valuable rewards and travel the way you like — for less. Learn more about these top cards and choose the one that's best for you:

• For no annual fee : Bank of America ® Travel Rewards credit card 
• For flexible points and travel partners : Chase Sapphire Preferred ® Card
• For airport lounge access : Capital One Venture X Rewards Credit Card
• For unlimited 3X points in popular categories :  Wells Fargo Autograph℠ Card  
• For business travel : Ink Business Preferred ® Credit Card

Great for Flexible Travel Rewards

Chase sapphire preferred ® card.

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

• Generous welcome offer valued at $750 when redeemed via Chase Travel
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in annual statement credits for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance
• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Author Details

Robin Kavanagh

We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money .

Your guide to Chase transfer partners: Everything to know

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money .

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

Chase Ultimate Rewards  are perhaps the most valuable transferable points. With instant or short transfer times and strong transfer partners like United Airlines, Southwest and Hyatt, you can travel nearly anywhere in the world on points.

Chase  travel credit cards  are also some of the best on the market. There are several direct Chase transfer partners, but you can also access indirect partners. That gives you lots of ways to travel for pennies on the dollar.

Chase Ultimate Rewards points are easy to earn with big sign-up offers and bonus categories. By transferring to the right partners, you could get even more  value from your Chase points  via a single welcome bonus.

Here are all the details about Chase’s transfer partners and what you should know before you book award travel.

Chase transfer partners

Chase transfer partners  include airlines and hotels, all of which have a 1:1 transfer ratio. That means when you transfer 1 Chase Ultimate Rewards point, you’ll earn 1 mile or point in the program you send them to. Transferring your points to travel partners is the  best way to use Chase points .

Chase Airline transfer partners

There are 11 direct Chase Ultimate Rewards airline transfer partners:

British Airways

Flying blue (loyalty program of air france and klm), singapore airlines, united airlines, virgin atlantic.

Through these airlines, you can book award seats through all three major airline alliances, including:

• Oneworld airlines (British Airways and Iberia)
• SkyTeam airlines (Flying Blue)
• Star Alliance airlines (Singapore Airlines and United Airlines)

Knowing how to work through the major alliances is your ticket to dozens of airlines beyond the 10 direct airline partners. Note that you can use Chase points to book award travel on other partner airlines which aren’t part of any alliance. For example, you can use British Airways Avios points to book an award ticket with Alaska Airlines, or Virgin Atlantic miles to fly on Hawaiian Airlines.

Knowing Chase’s airline partners — and then each partner’s partners — can unlock nearly limitless award opportunities.

Chase hotel transfer partners

The Chase Ultimate Rewards program has three direct hotel transfer partners:

In general, you’ll get a better deal redeeming Chase Ultimate Rewards points with airline partners, but Hyatt is the exception. It has a generous award char, and award rooms start at just 5,000 points per night. In fact, some of the team’s biggest travel awards have been for Hyatt stays.

If you’re close to an award stay with IHG, it can make sense to top off your account with Chase Ultimate Rewards points. But there are a number of other ways to earn IHG points, too.

And much like with IHG, if you’re a few points shy of a free stay at Marriott, it can make sense to transfer Ultimate Rewards points to your Marriott account. Always run the numbers before you make a transfer because there’s no reversing it.

Chase Ultimate Rewards transfer times

Here’s a look at the estimated transfer times for each of the airline partners.

Most Chase Ultimate Rewards points transfers are instant. This is great news if you’re in a hurry to book an award flight or get a hotel room.

For the cases where transfers take one or two days, you still have a couple of options while you wait.

Marriott will give you a points advance to book your stay at a Marriott or Ritz-Carlton hotel. As long as you have the points in your account at least 14 days prior to check-in, you’re good to go.

And Singapore Airlines will let you hold an award ticket for a Singapore Airlines flight (not for partner award flights).  You need to call to place an award on hold, then call again once the transfer is complete to ticket your trip.  It’s a little more work, but worth it to preserve your award flight while you’re waiting!

Know the Chase Ultimate Rewards Transfer rules

All transfers are final.

Once you transfer Chase Ultimate Rewards points to a partner program, you won’t be able to get the points back to your Chase account.

I recommend finding your award flight or room before you transfer your points.  Most transfers are instant, so you can book as soon as you find travel that works for you

Transfers to partners are always in 1,000-point increments

You might need a small or odd number of points to snag an award ticket or hotel stay, but be aware that you must always transfer in increments of 1,000 Chase Ultimate Rewards points to travel partners.

You can combine any number of points between Chase Ultimate Rewards cards (yup, even just 1 point) or  combine them with others  in any amount.  But when it’s time to send them to travel partners, they have to go out in increments of 1,000 points.

Send your points to a spouse, family member or authorized user

For personal cards,  Chase lets you to transfer points to another person  in the same household.  Here’s  our video guide on how to combine your points with a family member or another card account .

If you want to transfer points from a business card to someone else, they need to be a household member or a co-owner of the company.

You can also combine points with an authorized user, as long as they live at the same address as you.

Award travel with Chase Ultimate Rewards points

Here are just a few ways to get outsized value from your Chase Ultimate Rewards points.

Transfer to British Airways or Aer Lingus Avios for flights to Dublin

You can redeem British Airways or Aer Lingus Avios points on Aer Lingus and book flights to Dublin.

British Airways and Aer Lingus award prices are distance-based, so shorter flights cost fewer points.  This means award flights from the East Coast to Dublin are a terrific deal. For example, Boston to Dublin requires only 26,000 British Airways Avios points for an off-peak, round-trip coach award ticket.  The same deal is available from the following cities:

• Montreal (starting summer 2019)
• New York – JFK
• Philadelphia
• Washington, DC

You can’t search for or book Aer Lingus award flights on the British Airways website. Instead you can search for “Saver” award seats on the United Airlines website and call British Airways to book. Ask them to waive the phone fee because it’s not possible to book online.Also, Aer Lingus classifies certain dates as peak travel, which means you’ll use more points for award flights during these times.

Transfer to Singapore Airlines for United Airlines flights to Hawaii

United Airlines is a direct Chase airline transfer partner.  But you can also transfer Chase Ultimate Rewards points to Singapore Airlines, which is part of the same Star Alliance.  Then,  book United Airlines award flights to Hawaii  for cheaper than what United Airlines charges!

For example, you’ll pay 35,000 Singapore Airlines miles round-trip in coach from anywhere in North America to Hawaii.  Compare that with United Airlines’ price of 45,000 United Airlines miles. You’ll save 10,000 Chase Ultimate Rewards points per flight.

Transfer to Hyatt for luxury hotel stays

As mentioned earlier, some of our most valuable uses of Chase Ultimate Rewards points have been at Hyatt hotels around the world.  Here’s  how to transfer your points to Hyatt . Many of us on the MMS team have stayed at Hyatt all-inclusive hotels in Mexico. We loved the endless food and adult beverages. And because I used points for a free stay (that’s right, I paid $0), I treated myself to an opulent massage treatment I’d otherwise never splurge on.

Booking travel through the Chase travel portal

Along with transferring your Ultimate Rewards points to Chase travel partners, don’t forget, it’s also possible to use your points to  book travel directly through the Chase travel portal .

Depending on the cash price of a ticket or hotel room, you’ll sometimes get a better deal using the Chase travel portal to book flights or hotels.

Chase Sapphire Reserve cardholders, for example, will get a value of 1.5 cents per Chase Ultimate Reward point when booking through the portal. Those with the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card will get a value of 1.25 cents per point when booking through the Chase portal.

Here’s our guide to  booking travel with the Chase travel portal .

Earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points to transfer directly to airline and hotel partners with these three excellent card offers:

These cards are affected by Chase’s stricter application rules. That means if you’ve opened five or more cards from any bank ( except these business cards ) in the past 24 months, it’s unlikely you’ll be approved. And if you have any of these no-annual-fee cards, you’ll need to  combine Chase points  to one of the above cards before you can transfer them:

• Chase Freedom Flex
• Chase Freedom Unlimited
• Ink Business Cash Credit Card
• Ink Business Unlimited Credit Card

Each card has its own strengths, like bonus points for spending in certain categories. That makes it easier to earn even more valuable Chase Ultimate Rewards points. Read our full guide on  how to earn Chase Ultimate Rewards points  for all the details.

Bottom line

There are 13 airline and hotel partners within the Chase Ultimate Rewards program.

But thanks to airline alliances and partnerships, you can book award travel beyond the direct transfer partners. This unlocks nearly endless travel opportunities to fantastic destinations around the world.

Most points transfers are instant, but a few partners have one- or two-day transfer times. Because of their flexibility and strong travel partners, Chase Ultimate Rewards are a favorite here at Million Mile Secrets.  We’ve all used Chase Ultimate Rewards transfer partners for unforgettable trips.

With sign-up offers on cards like 80,000 Chase Ultimate Rewards points with the Chase Sapphire Preferred card after meeting the minimum spending, you could be on your way to Ireland on Aer Lingus, Hawaii with Singapore Airlines miles, or at an all-inclusive Hyatt hotel in Mexico — and that’s just for starters.

Let me know your favorite Chase Ultimate Rewards transfer partner. And  subscribe to our newsletter  for more tips and trick to getting outsized value for your points.

Meghan Hunter

Contributor

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and general travel. Her work has also appeared in The Points Guy.

More Topics

Credit Cards

Join the Discussion!

You May Also Like

BonusTracker: Best credit card bonus offers

June 14, 2021 4

Best Hilton credit cards: Improved weekend night certificates, earning rates and more

June 12, 2021 2

Our Favorite Partner Cards

Popular posts.

Chase Ultimate Rewards transfer partners: How to get the best value in 2024

May 3, 2024 • 16 min read

Start racking up your Chase Ultimate Rewards to travel the world for less; Tokyo, Japan © easy camera / Shutterstock

This series of articles about credit cards, points and miles, and budgeting for travel is brought to you in partnership with  The Points Guy .

Advertiser Disclosure:  This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. All information about the Chase Freedom cards, Ink Business Cash® Credit Card, and the Ink Business Unlimited® Credit Card have been collected independently by Lonely Planet. These cards are not available through Lonely Planet.

Chase Ultimate Rewards is a powerhouse in the world of credit card rewards programs, offering cardholders extensive options to earn and redeem points toward travel .

If you’re making a travel budget using points and miles , Chase Ultimate Rewards should definitely be part of your rewards strategy. With partnerships including some of the top airline and hotel loyalty programs, Ultimate Rewards points can be incredibly valuable. Unlocking the true potential of these points lies in understanding its transfer partners. 

Whether you're a seasoned traveler or new to points and miles , this guide will help you make the most of your hard-earned Chase points. Here’s everything you need to know about Ultimate Rewards transfer partners and how to leverage your points for maximum value.  

The best travel credit cards  

Chase airline transfer partners

Chase Ultimate Rewards cardholders can use their points to book flights to virtually anywhere in the world. Chase Ultimate Rewards has 11 airline transfer partners, spanning all three airline alliances: Oneworld, SkyTeam and Star Alliance. This wide-reaching network of partners makes Chase Ultimate Rewards particularly valuable for travelers due to its flexibility and accessibility. Occasionally, Chase offers up to 30% bonus points when you transfer rewards to select partners. This can help you stretch your rewards further.

The inclusion of airlines from all three alliances ensures that users have an array of options, regardless of their preferred loyalty program or destination, making it a versatile and valuable rewards program for anyone looking to maximize their travel benefits. But with so many options, it’s easy to get confused about which program to transfer your Chase points to at any given time. We’ll dive into this subject and which program provides the best value:

• Aer Lingus AerClub

Air Canada Aeroplan

• Air France-KLM Flying Blue 

British Airways Executive Club

Emirates skywards, iberia plus, jetblue trueblue, singapore airlines krisflyer, southwest airlines rapid rewards, united mileageplus, virgin atlantic flying club.

The best credit cards with no international fees in 2024

Aer Lingus, AerClub

Aer Lingus is Ireland’s flag carrier and a great option for direct flights to the Emerald Isle. AerClub offers some of the cheapest award flights to Europe. You can fly between the East Coast and Dublin for just 13,000 Avios in economy class and 50,000 in business. Currently, Chase is offering a 30% transfer bonus to AerClub, making it even more attractive.

Traveling to Europe using points and miles

Air Canada is part of the Star Alliance and still publishes an award chart with clearly defined redemption rates. When United Airlines rates skyrocket due to dynamic pricing, Aeroplan can be an excellent alternative. Flights to Europe start at 35,000 points in economy class and 60,000 each way in business. Aeroplan can also be a great value for short-haul domestic flights, which start at just 6,000 points each way.

The best credit cards for airport lounge access

Air France-KLM Flying Blue

Air France and KLM’s joint Flying Blue loyalty program is one of the best Chase transfer options, thanks to low redemption rates on international travel and routinely discounted award flights. You can travel between Newark (EWR) and Amsterdam (AMS), Paris (CDG) or Marrakech (RAK) for just 15,000 miles in economy class or 55,000 in business. This is a terrific bargain, considering programs like American Airlines AAdvantage charge 25,000 miles one-way for award flights to Europe . Through Promo Rewards , these fares are sometimes discounted by as much as 50%.

Best credit cards for traveling with kids

British Airways Executive Club has long been a favorite for cheap short-haul flights. British Airways partners with both Alaska Airlines and American, so you can take advantage of some fantastic deals. For example, you can fly between Miami (MIA) and Cancun (CUN) for just 7,500 Avios in economy class and 15,000 Avios in business.

Chase Sapphire Preferred vs. Capital One Venture: two top travel credit cards go head-to-head

Emirates is known for its luxurious first-class cabin onboard the 777, featuring fully enclosed suites and luxury amenities. While pricey, you can fly this fantastic product on the Dubai (DXB) to Paris (CDG) route for a reasonably 67,500 miles each way. That’s an excellent use of Chase Ultimate Rewards points and well worth the transfer. 

Chase Sapphire Reserve vs. Capital One Venture X Card: two of the most popular rewards cards

If you’re planning a trip to Spain, transferring Chase points to Iberia Plus is a great option. Not only does Iberia offer plenty of direct flights from the US, but the rates are very affordable. For example, an economy-class flight between New York (JFK) and Madrid (MAD) starts at just 17,000 miles each way. That’s an incredible bargain for a long-haul international flight.

TSA Precheck vs Nexus

Transferring Chase Ultimate Rewards to JetBlue TrueBlue isn’t the best value proposition. JetBlue points are only worth around 1.4 cents each toward flights. This is significantly lower than the value you can get from other airlines. If you have a Chase Sapphire Reserve Card, your points are worth 1.5 cents each towards Chase Travel℠ bookings. By transferring points to JetBlue, you’ll essentially devalue them.

Should you book travel with cash or points?

Singapore Krisflyer can be a great Chase transfer option, depending on how you redeem the miles. Singapore’s Star Alliance award chart has some excellent redemption rates for flights to Europe and the Middle East. You can fly round-trip to Europe for just 55,000 in economy class, 130,000 miles in business and 160,000 miles in first class. Meanwhile, flights to the Middle East cost 75,000 miles in economy, 115,000 in business and 150,000 miles in first class.

Traveling to Japan using points and miles

Southwest Rapid Rewards points are worth around 1.5 cents each towards Wanna Get Away fares. You can get much more value from your Chase points by transferring them to a different airline. However, if you’re not much for business or first-class travel, transferring points to Southwest can be worthwhile.

The best credit cards for airline miles

United MileagePlus has been devalued quite a bit and now uses dynamic pricing. So, the number of miles required for a flight isn’t always predictable (or very reasonable). Before transferring Chase points to United MileagePlus, be sure to compare mileage rates against Air Canada Aeroplan and Singapore Krisflyer. You might find cheaper flights, in which case you’ll want to transfer your points to one of those programs.

Best credit cards for road trips

Virgin Atlantic Flying Club is an excellent program for transferring Chase points. Flying Club has bargain rates on flights to Europe. For starters, you can fly between the East Coast and London for just 10,000 miles each way in economy class. West Coast flights are also a great deal at 15,000 miles each way.

Virgin Atlantic also partners with All Nippon Airways. You can fly to Japan in the airline’s esteemed “The Room” business class from just 90,000 miles round-trip.

TSA PreCheck vs. Clear: which one is best to expedite your travels

Chase hotel transfer partners

Chase Ultimate Rewards offers a versatile and valuable range of hotel transfer partners, including IHG One Rewards, Marriott Bonvoy and World of Hyatt. These partnerships allow Chase cardholders to redeem points at over 15,000 hotels worldwide. You may be wondering which of these programs offers the best value for your Chase points. It ultimately depends on where you’re traveling to, which is why you should always do a comparative search on all three websites before settling on one. 

Here’s a closer look at each Chase hotel transfer partner to help you decide:

10 amazing US hotels you can book with points

IHG One Rewards

IHG One Rewards is the loyalty program for well-known hotel brands like Intercontinental Hotels, Holiday Inn, Crowne Plaza, Staybridge Suites and Kimpton, to name a few. Free nights start at 10,000 points per night, though you can also book a Point & Cash reward for as little as 5,000 points. IHG has a vast portfolio of hotels and brands to suit every traveler type. 

IHG can be a good program to transfer your Chase points to, depending on the redemption rate. IHG routinely sells points at 0.5 cents each – so you want to make sure you’re getting significantly more value than that on your Chase points transfer. IHG credit cardholders get the fourth night free on award stays, so be sure to calculate this discount when transferring Chase points to IHG.

Best travel credit cards for hotels

Marriott Bonvoy

Marriott stands out for its extensive global presence spanning over 8,500 hotels in 138 countries, making it an ideal choice for travelers of all preferences. Marriott doesn’t publish an award chart, but free nights are a bit steep, ranging from 10,000 - 100,000 points per night. All members who book at least five consecutive nights get the fifth night free, which amounts to a solid 20% discount. 

Because of the high number of points required for a free night, transferring Chase points to Marriott is generally not a good idea. The only exception is if you’re saving a substantial amount of cash by booking with points or you need to transfer a small number of Chase points for an award. 

Marriott has some fantastic hotels in its wide-ranging portfolio. A popular place to redeem Marriott points is the all-inclusive, ultra-luxurious Al Maha Resort in Dubai. A free night will set you back at least 94,000 points per night, depending on the season.

10 amazing hotels around the world you can book with points

World of Hyatt

World of Hyatt offers is hands down the best Chase hotel transfer partner. This highly popular program is known for its exceptional properties and generous elite benefits. Hyatt is the only Chase hotel transfer partner that still publishes an award chart. This lets members know exactly how many points they need for a free night and save up accordingly. Plus, Hyatt has the cheapest redemption rates, starting at 3,500 points per night.

A great way to get the most value for your points is by booking all-inclusive hotels. These start at just 12,000 points per night and include meals, lodging and some activities. Hyatt’s all-inclusive brands include Hyatt Ziva and Zilara, along with well-known boutique brands like Secrets, Dreams and Suncape Resorts. 

Whether you need points for a luxury vacation or a cheap airport hotel, Hyatt’s reasonable award chart makes it an ideal Chase transfer partner. 

Best credit cards for adventure travel

Tips for maximizing your Chase Ultimate Rewards

The key to maximizing your Chase Ultimate Rewards is understanding your transfer options and which program offers the lowest redemption rates. For example, Chase has three airline transfer partners that are members of the Star Alliance: Air Canada Aeroplan, Singapore Krisflyer and United MileagePlus. You can use miles from these programs to book flights on any Star Alliance carrier. However, each program has different redemption rates. By researching and comparing award rates between these three programs, you can save a lot of valuable Ultimate Rewards points. 

The same goes for Chase hotel transfer partners: Every program has a vast portfolio worldwide but at different redemption rates. Before transferring Ultimate Rewards to a hotel partner, be sure to compare the hotel options and the number of points required. Take into account any fourth or fifth-night-free benefits offered to save even more points. 

You also shouldn’t sleep on the Chase Travel℠ portal. While transferring points to airline and hotel partners can be lucrative, sometimes, booking travel directly through the Chase Travel℠ portal can offer competitive prices and even additional point bonuses. Points are worth 1.25 cents each if you have a Chase Sapphire Preferred® Card and 1.5 cents with the Chase Sapphire Reserve® . 

Lastly, consider pooling points from different Chase cards, as combining points from cards like Chase Freedom or Chase Freedom Unlimited® with premium cards like the Sapphire Reserve can significantly boost your rewards potential. By following these strategies and staying updated on promotions, you can effectively maximize your Chase Ultimate Rewards for incredible travel experiences.

Best travel credit cards for foodies

What are the best Chase Ultimate Rewards transfer partners?

The best Chase Ultimate Rewards transfer partner depends on your travel goals. Each partner has its strengths and weaknesses. Some offer fantastic value when you redeem them for long-haul international flights, while others have the best deals on short-haul domestic flights. While there are sweet spots in each program, there are a few stand-out transfer partners worth mentioning. They include World of Hyatt, Virgin Atlantic Flying Club, Flying Blue and Iberia Avios. As shown above, they have some of the best redemption rates, allowing you to stretch your valuable Chase points further.

How to travel to Bali with points and miles

How to transfer Chase points to partners

The process for transferring Chase points to partners is pretty straightforward. Here’s a step-by-step guide:

• Log in to your Chase account.
• Scroll down until you see “transfer points to partners” on the right side of the page.

3. On the page displaying Ultimate Rewards transfer partners, select the travel program you want.

4. Review the disclosures and estimated transfer times. Scroll to the bottom of the page and select “Transfer Points.”

5. Confirm the account you want to transfer points to.

6. Enter the number of points you want to transfer. Then select “next."

It’s important to note that airlines and hotel loyalty programs can increase redemption rates at any time without prior warning. So it’s best not to transfer points unless you have an immediate use in mind. If you can, try to put award tickets on hold to ensure you don’t lose out on award space while you wait for the points to transfer.

Best credit cards for international travel in 2024

Credit cards that earn Chase Ultimate Rewards

As you can see, Chase transfer partners can offer tremendous value for your points. Chase has four credit cards that earn Ultimate Rewards points. It’s worth noting that Chase enforces the ‘5/24 rule’ on applications. If you’ve opened five or more accounts (at any bank) in the past 24 months, you likely won’t be approved for a Chase card.

• Chase Sapphire Preferred® Card : Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Chase Sapphire Reserve® : Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• Ink Business Preferred® Credit Card : Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
• Ink Business Premier® Credit Card : Earn $1,000 bonus cash back after spending $10,000 in your first three months from account opening.

If you have one of the above Chase Ultimate Rewards-earning credit cards, you can convert cash back from other cards into points. For example, $100 cash back would convert to 10,000 Ultimate Rewards points. The great thing about this is that Chase’s cash-back credit cards don’t carry annual fees and offer high-category bonuses. So you can increase your earning potential without accruing added annual fees:

• Chase Freedom Unlimited®: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
• Chase Freedom Flex®: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. In addition, you'll 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! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
• Ink Business Premier® Credit Card : Earn $1,000 after spending $10,000 in your first three months from account opening.
• Ink Business Unlimited® Credit Card: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
• Ink Business Cash® Credit Card: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

How to get major perks at global events and concerts with your credit card

Who are Chase transfer partners?

Chase has 14 transfer partners in total. They include 11 airlines and three hotel loyalty programs: Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Executive Club, Emirates Skywards, Iberia Plus, IHG One Rewards, JetBlue TrueBlue, Marriott Bonvoy, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club and World of Hyatt.

TSA PreCheck vs. Global Entry: A guide to picking the best one for you

Why should you transfer Chase points to airlines?

You should transfer Chase points to airlines if you have a high-value redemption in mind. Chase points are worth 1.25-1.5 cents each towards Chase Travel℠ bookings (depending on your credit card). So, if you can get more value than this by transferring Chase points to airlines, you should do it.

The best credit cards for rental cars

How long do Chase points transfers take?

Most Chase Ultimate Rewards point transfers are instant. It can take longer if it's your first time transferring points to a specific program. Marriott transfers can take over 24 hours, while Singapore Krisflyer transfers usually go through the same day. Whenever possible, put an award on hold to avoid losing it if the transfer takes too long.

American Express Membership Rewards vs. Chase Ultimate Rewards

What are Chase Ultimate Rewards worth?

Chase Ultimate Rewards points are worth 1.25-1.5 cents each. However, you can get much more value by transferring points to airline or hotel partners.

How to travel to Greece using points and miles

Is transferring your Chase Ultimate Rewards points worth it?

Transferring your Chase Ultimate Rewards points can be worth it if you have a high-value redemption in mind. For example, redeeming points for business and first class flights can be worth it because these flights cost thousands of dollars and redeeming points can make them attainable for most travelers.

How to travel to New Zealand with points and miles

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

This article was first published Oct 31, 2023 and updated May 3, 2024.

Explore related stories

Tips & Advice

Sep 17, 2024 • 12 min read

Visitors to Europe are bowled over by its natural beauty, epic history, rich culture and dazzling diversity. Here are the best places to visit.

Sep 17, 2024 • 5 min read

Sep 16, 2024 • 12 min read

Sep 17, 2024 • 8 min read

Sep 16, 2024 • 6 min read

Sep 16, 2024 • 10 min read

Sep 16, 2024 • 4 min read

Sep 16, 2024 • 8 min read

• Chase Transfer Partners
• How to Earn Ultimate Rewards
• Airline Transfer Partners
• Hotel Transfer Partners
• How to Transfer Ultimate Rewards

Chase Ultimate Rewards Transfer Partners 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.

• Chase Ultimate Rewards® partners with 11 airlines and 3 hotel loyalty programs.
• Transferring points to travel partners is the best way to maximize the value of your Chase rewards.
• Several Chase credit cards earn Chase Ultimate Rewards, including the popular Chase Sapphire Preferred® Card.

When you use a Chase credit card , you're paying for purchases in dollars, but all your spending helps you rack up another kind of currency: Chase Ultimate Rewards® points.

Chase Ultimate Rewards points are some of the most valuable credit card rewards you can earn. Chase Ultimate Rewards are transferable points , which means you can move them over to various airline and hotel partner programs to book travel, in addition to the option of booking through Chase Travel℠  or using points toward eligible everyday purchases through Pay Yourself Back .

Maximizing Chase points requires knowing when and with whom you should redeem them. While you can use Chase Ultimate Rewards points to make purchases and pay for travel directly through Chase Travel℠, it's possible to significantly increase their value by transferring them to one of Chase's travel partners.

Chase Transfer Partners: The Basics

Chase has 14 travel transfer partners: 11 airline frequent flyer programs and three hotel programs.

Chase lets you transfer points at a 1:1 ratio in 1,000-point increments, and those transfers typically happen instantly (that's important for making sure you can grab an award flight or an award stay before it's gone). There are a few exceptions, though, and we've noted those in our breakdown of each partner below.

The value of those points can vary widely depending on where you want to go in the world and when you plan to travel. So, the best approach with Chase Ultimate Rewards is to be meticulous. Comparing all your options on departure/arrival dates and resort locations can help you figure out how to harness the most power from each of your points.

Also, be sure to keep a close eye on your email for alerts from Chase or these travel companies about exclusive offers, such as transfer bonuses, that can get you cheaper redemptions on flights and hotel stays.

How to Earn Chase Ultimate Rewards Points

You'll need to earn Chase Ultimate Rewards points before you can enjoy transferring them for award travel. Doing that requires having one or more of the best Chase credit cards in your wallet:

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Earn 60,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

21.24% - 26.24% Variable

Earn 90,000 bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
• con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Travel℠. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.

0% intro APR on purchases and balance transfers for the first 15 months

20.49% - 29.24% Variable

Earn $150 bonus

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous bonus cash-back categories
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great welcome bonus
• con icon Two crossed lines that form an 'X'. Booking through Chase Travel℠ can restrict outside earning potential
• con icon Two crossed lines that form an 'X'. Varying percentages and rotating calendar categories require extra attention
• con icon Two crossed lines that form an 'X'. 3% foreign transaction fees

The Chase Chase Freedom Flex® is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.

Earn 5% cash back on travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Earn an additional 1.5% cash back on everything you buy

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid flat cash-back rate
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
• con icon Two crossed lines that form an 'X'. Some other cards offer a higher rate of cash back on certain types of purchases

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Once you start using any of these Chase cards, be sure to browse bonus offers via online shopping portals to maximize your rewards . There are many ways to rack up even more reward points with hundreds of online retailers, and it's a simple way to make every purchase more rewarding.

Also note that you can use Chase's no-annual-fee cards, including the Chase Freedom Unlimited® and the Chase Freedom Flex® , to turbo-charge your stash of Chase Ultimate Rewards. That's because as long as you have a "premium" Chase card — like the  Chase Sapphire Reserve®   or Ink Business Preferred® Credit Card — you can move over the rewards you earn from a cash-back Freedom or Ink card to redeem them with transfer partners or simply get more value toward Pay Yourself Back and Chase Ultimate Rewards Travel redemptions.

Chase Ultimate Rewards Airline Transfer Partners

Aer lingus aerclub.

If you're looking to travel to Ireland, Aer Lingus is one of the most convenient places to start your search, and as a Chase transfer partner, it can also be a very valuable way to fly.

The airline's award chart divides travel by zone and peak/off-peak redemptions. Even the most expensive zone (Zone 6, which includes travel between Dublin and Los Angeles, Miami, Orlando, San Francisco, and Seattle) includes one-way tickets for as low as 16,250 Avios.

You can also use Avios to upgrade to business class. The upgrade fee varies between peak and off-peak travel. The good news: Two-thirds of the year is considered off-peak, according to AerClub's 2024 calendar .

Air Canada Aeroplan

Air Canada's Aeroplan loyalty program is Chase's newest airline transfer partner, and it's a great option even if you don't fly Air Canada. Because the airline is part of the Star Alliance, you can redeem Aeroplan points for flights on over 45 alliance and non-alliance partners, including United, Lufthansa, and Etihad.

Award flights in North America start at just 6,000 points, and there are numerous sweet spots for international partner flights as well. You can check  Air Canada's Points Predictor Tool for an estimate of how much specific awards cost.

Air France-KLM Flying Blue 

Flying from Los Angeles to Paris takes nearly 11 hours, so a Chase Ultimate Rewards transfer can be especially appealing here. A seat in business class for that journey starts at 67,500 miles. The only thing better than drinking champagne in France is drinking champagne on the way to France in the front of the bus.

And while France may be in the name, there are plenty of other redemption options available via Flying Blue, thanks to partnerships with KLM, Aircalin, GOL, Japan Airlines, Kenya Airways, and SkyTeam.

British Airways Executive Club

Sticking with Avios points, let's look at an example of reward travel with British Airways Executive Club . BA is part of the Oneworld alliance, and that alliance — which includes 14 airlines that serve more than 170 countries and territories — can be key to making the most of transferring your points.

If you redeem Avios for British Airways flights, it's hard to get outsized value, due to BA's insanely high fuel surcharges and fees that are tacked on to the points cost. However, there are some sweet spots if you redeem for partner award flights — including flights from the US East Coast to Ireland and the Caribbean, or the US West Coast to Hawaii.

Iberia Plus

Not one, not two, but three different programs allow you to turn your Chase Ultimate Rewards points into Avios points.

Unfortunately, Iberia's award chart is dominated by "peak" times on the calendar (forget finding a good deal from June through mid-September), but if you're up for a trip in February, March, October, or November, you may be able to find a good way to redeem those points.

Emirates Skywards

Emirates award flights come in three varieties: Saver, Flex, and Flex Plus. The Saver option is, naturally, the lowest cost in terms of points and the best way to maximize the value of your Chase Ultimate Rewards points.

Emirates may be best known for flying to the United Arab Emirates, but transferring your Chase points to miles will let you explore reward options with 15 of its airline partners. For example, you can use 70,000 miles for a round-trip economy ticket between South Korea and the US on Korean Air or 120,000 miles for a one-way ticket in business class on Qantas from Sydney, Australia to Los Angeles.

JetBlue TrueBlue

Even if you only have a few TrueBlue points, you could be able to put them good to use. For example, you can score a one-way ticket from Boston to Fort Lauderdale for just 3,800 points. The ticket is $61, so you're getting 1.6 cents per point.

JetBlue also has a partnership with Hawaiian Airlines, but you'll need to call 800-538-2583 to inquire about availability (which is limited). If you're looking for an island vacation, though, it could be worth picking up the phone. One-way economy seats from the West Coast are just 22,000 points.

Singapore Airlines KrisFlyer

The Singapore Airlines KrisFlyer award chart is fairly straightforward and breaks down travel to/from destinations in 13 zones.

On top of those divisions, there are two types of KrisFlyer award tickets: Advantage and Saver. The only "advantage" to Advantage tickets is that you'll find them more frequently. They cost more. You're better off trying to find a Saver option, which starts at 7,500 miles. And if you can somehow stumble into a first-class seat from the East Coast to Singapore for 132,000 miles, do it. That is the definition of high-flying luxury.

Timing alert: It's important to note that transfers for KrisFlyer take longer to process, typically two business days. So you'll need to plan further in advance if this is a transfer that fits your travel needs.

Southwest Airlines Rapid Rewards

Southwest's reward redemption valuations don't take nearly as much research as other airlines. Instead of thinking about peak and off-peak travel dates and zones, you'll simply look at how much the fare costs in dollars and you'll have a good idea of a comparable cost in Southwest points .

The values are linked. For example, a flight from Chicago to Los Angeles that costs $112 requires 7,566 points, and that same flight one week later runs $313 or 23,556 points. The lower cost has a slightly higher value of 1.4 cents per point. Nothing amazing, but also nothing too complicated.

United MileagePlus

To get a sense of some of the cheap miles redemptions you can score on United , the airline regularly spotlights award flight deals on its website. For example, 5,000 miles for a ticket from Newark to Orlando, and 22,500 miles for a ticket from Chicago to Honolulu are both enticing offers right now (these change periodically).

You can dig deeper than those highlighted deals (after all, they're spotlighting them because they want to fill the seats) to find more competitive offers, too. Think outside the US borders — United is part of the Star Alliance, which includes 26 airlines that fly all over the world.

Virgin Atlantic Flying Club

You can find some incredible deals with Virgin Atlantic Flying Club points. Even though Virgin Atlantic isn't part of an airline alliance right now, it partners with a number of airlines including Delta, ANA, and Hawaiian Airlines.

Award flights on Virgin Atlantic to the UK and beyond can be a good deal, but keep in mind Virgin Atlantic adds high taxes and fees to its own flights. 

Chase Ultimate Rewards Hotel Transfer Partners

Ihg one rewards.

From a Holiday Inn Express to a boutique experience at Kimpton Hotel, IHG has loads of properties where you can enjoy an evening without paying any actual cash. However, IHG's points redemption values here aren't anything to write home about.

Sure, it would be great to spend a night at the InterContinental Bangkok or InterContinental Bali, but my searches reveal that redemption rates at IHG properties rarely exceed the 1-cent mark. In that case, you're better off booking a room directly through the Chase Travel℠ .

Marriott Bonvoy

No matter where you go, you'll probably find a Marriott property. With 30 brands that range from the high-end world of Ritz-Carlton and St. Regis to limited-service, budget-friendly options like Fairfield Inn and TownePlace Suites, Marriott Bonvoy points can book you a room in a wide range of accommodations.

The catch: It's hard to find a redemption that increases the value of your Chase Ultimate Rewards points. Marriott Bonvoy's award pricing is now dynamic, and I rarely find options that increase the value of Marriott points. There are exceptions, though, proving that you should always do your research. 

Timing alert: Bonvoy transfers typically process by the next business day, not immediately.

World of Hyatt

If you're looking to make the most of your Chase Ultimate Rewards points for a hotel stay, I recommend starting with the World of Hyatt program . In addition to affordable, 5,000-point redemption rates at limited-service properties like Hyatt Place and Hyatt House, this loyalty program has loads of luxurious properties where you can cash in your points for a more meaningful redemption.

Consider some of these examples for a getaway: a queen room at the Andaz San Diego (15,000 points per night versus $313 per night), a villa at the Park Hyatt Maldives Hadahaa (30,000 points per night versus $1,045 per night), and a standard king the Park Hyatt Beaver Creek, Colorado (30,000 points per night versus $1,900 per night).

How to Transfer Chase Ultimate Rewards Points

Once you've found a great redemption through a Chase Ultimate Rewards airline or hotel partner, your next step is to transfer your points from Chase to the loyalty program where you want to make a booking.

To get started, log into your Chase account and navigate to the Chase Ultimate Rewards page. Click "Earn/Use," and you'll see various options, including "Transfer to Travel Partners." Click this, then you'll be presented with a list of Chase's 14 transfer partners.

Click "Transfer Points" next to the transfer partner you're eyeing, and you'll be prompted to enter your airline or hotel loyalty program info. If you don't have an account yet, don't worry — it's free to sign up, so you'll just have to do that before initiating the transfer.

Once you have your Chase account and your frequent-flyer or hotel loyalty program account connected, you can initiate the transfer, and in most cases, the transaction will go through immediately.

Chase Ultimate Rewards Transfer Partner Frequently Asked Questions

Chase has a diverse range of transfer partners in its Chase Ultimate Rewards program. These partners include leading airlines and hotel loyalty programs such as United Airlines, Southwest Airlines, British Airways, Hyatt, Marriott, and more. By transferring your Chase Ultimate Rewards points to these partners, you can access a variety of travel options, from flights to hotel stays, unlocking greater value and flexibility in your rewards.

Chase Ultimate Rewards points can be transferred to several airline partners, and among them is United Airlines, a member of the Star Alliance network. By transferring your Chase Ultimate Rewards points to United Airlines MileagePlus, you can access the extensive Star Alliance network and redeem your points for flights with various member airlines, expanding your travel options and benefits.

Chase Ultimate Rewards points can be transferred to several hotel loyalty programs, including popular options like Hyatt, Marriott Bonvoy, and IHG Rewards Club. This allows you to use your points for hotel stays at a wide range of properties within these programs, offering flexibility and value when planning your accommodations during your travels.

To transfer Chase Ultimate Rewards points to partner loyalty programs, log in to your Chase account, select 'Transfer to Travel Partners,' choose the partner program, enter your account details, and confirm the transfer. Be aware of transfer times and ratios for each partner. Your points will then be available for redemption within the selected loyalty program.

• Main content

Please turn on JavaScript in your browser It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.

How to use chase ultimate rewards® for travel.

Whether you're a longtime cardholder or just starting your credit card journey with Chase, you may be wondering: What is the best way to use Chase points ? The answer will be different for everyone, but if you like to travel, you may find that using your points on your trips is your favorite way to spend them. Learning how to use Chase Ultimate Rewards to make the most of your points could help you pack in a few extra adventures when planning your next getaway.

How to earn Chase Ultimate Rewards points

Chase Ultimate Rewards points are redeemable points you can earn through welcome bonus offers or when making purchases with your Chase-branded cards, such as:

• Chase Sapphire
• Chase Freedom
• Chase Ink Business

You may also earn Ultimate Rewards at an accelerated rate on certain purchases or bonus categories — the typical rate is one point earned per dollar spent.

Redeeming Chase Ultimate Reward points

As a general rule of thumb, one point equates to $0.01 in redeemable value. This can fluctuate, however, depending on how you decide to redeem your points. When it comes to travel there are three main ways to redeem Ultimate Rewards points:

• Booking travel directly through the Chase travel portal.
• Transferring your points to Chase travel partners, such as airlines and hotels.
• Redeeming your points for gift cards or statement credits.

Using Ultimate Rewards points for travel

If you decide to redeem your Chase Ultimate Rewards to book travel, you may want to know what your options are. The main way you can redeem your points is through the Chase travel portal. There, you can directly find, book and pay for travel expenses such as flights, hotels, car rentals, cruises, tours and other activities or transfer points to hotel and airline partners.

When transferring your Ultimate Rewards to Chase travel partners, i.e. airlines and hotels, the transfer ratio is typically 1:1. That means that however many Ultimate Rewards points you have, you'll have the same amount in partner points with whichever Chase Ultimate Rewards travel partner you choose.

Why book through Chase Travel portal?

Something to note when using the portal is that the value of your points can change depending on which card you have.

For instance, if you have the Chase Freedom Unlimited ® card, your points are worth one cent each. With the Chase Sapphire Preferred ® or Ink Business Preferred ® cards, your points are each worth 1.25 cents. You'll get the highest value with the Chase Sapphire Reserve ® , as points are worth 1.5 cents each in the travel portal with that card.

If you have multiple eligible cards, you can combine your points to get the most out of them.

One of the benefits of booking through the Chase travel portal is that you can earn points on paid reservations. For instance, with Chase Sapphire Reserve ® you can earn 5x points on airfare and 10x points on hotels and rental cars booked through the portal.

You can book flights, hotels and rental cars directly through the travel portal, but if you want to book a cruise using Ultimate Rewards points, you'll have to call Chase directly.

There's no right or wrong when it comes to how to redeem Chase Ultimate Rewards points. However, if you've been bitten by the travel bug, you may find the best way to use them is by transferring them to Chase partners or booking through the Chase travel portal. Take some time to compare points transfers and the travel portal and see which one helps you make the most out of your points.

• card travel tips
• credit card benefits

What to read next

Chase sapphire events at miami art week.

Learn about the exclusive events a Chase Sapphire Reserve cardmember can experience at Miami Art Week.

How to choose a credit card to earn travel points

There are many things to consider when choosing a credit card with travel points - how travel points work, how to earn them, and so on. Learn more here.

Should you get a travel credit card that earns points or miles?

Travel credit cards may allow you to earn rewards in the form of points or miles and are redeemable for shopping and travel perks.

Is having access to airport lounges worth it?

Airport lounge access can make your travel arrangements relaxing and comfortable. However, many may question if airport lounge access is actually worth it.

Personal Finance

A complete guide to chase airline and hotel transfer partners: redeem and maximize value.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created by TIME Stamped, under TIME’s direction and produced in accordance with TIME’s editorial guidelines and overseen by TIME’s editorial staff. Learn more about it .

If you're looking for a travel credit card that offers ultimate flexibility when it comes to redeeming rewards, you'll want to learn all you can about credit cards that earn Chase Ultimate Rewards points. Points in this program are easy to earn with a range of popular travel credit cards that offer generous sign-up bonuses, lucrative rewards bonus categories and easy-to-use cardholder perks. From there, you can actually cash in your rewards for travel and a range of other options based on your needs.

While redeeming for cash back will only get you one cent per point in value, Chase Ultimate Rewards are worth 1.25 cents each with the Chase Sapphire Preferred® and 1.5 cents each with the card_name when redeemed for travel through Chase. More importantly, Chase Ultimate Rewards points can be transferred to 14 unique Chase airline and hotel partners on a 1:1 basis, which helps you secure an even greater value for each point you redeem.

While there are situations where using your points to book travel through the Chase portal can be a good value, you may get as much as 2 cents per point in value (and often more) if you get the hang of transferring your points to Chase partners instead. This guide will break down the 14 Chase airline and hotel partners and basic details of each program while explaining the ins and outs of transferring points to get maximum value.

Chase Ultimate Rewards transfer partners

Chase transfer partners are easier to understand than some other flexible programs since all points transfer at a 1:1 ratio in increments of 1,000. This means you can turn 1,000 Chase points into 1,000 airline miles or 1,000 hotel points with any of the programs below.

Here's a listing of all the Chase transfer partners you gain access to with the right Chase credit card:

Chase airline partners:

Aer Lingus AerClub

Air canada aeroplan, air france (flying blue), british airways executive club, emirates skywards, iberia plus, jetblue trueblue, singapore airlines krisflyer, southwest airlines rapid rewards, united mileageplus, virgin atlantic flying club.

Chase hotel partners:

IHG One Rewards

Marriott bonvoy, world of hyatt, airline transfer partners.

Here's a summary of each Chase airline partner you can use and an overview of how their programs work.

Aer Lingus AerClub offers a travel rewards currency called Avios, which you can use to book award flights from the United States to Europe and elsewhere. While not officially part of the oneworld alliance, this program can be used to fly with partner airlines like British Airways and Iberia as well, paving the way for even more redemption options.

While awards vary with the program, you may be able to use as little as 4,000 Avios to fly from Dublin, Ireland to Paris, France, or as little as 16,250 Avios to fly from San Francisco, California to Dublin, Ireland in either direction.

Because Aer Lingus bases awards on zones that are roughly built around the distance you're flying, you'll need to fork over more Avios for long haul flights.

Chase added Air Canada Aeroplan as a transfer partner in 2021, and this makes it the newest transfer partner Chase cardholders have access to. This airline is a Star Alliance partner, which makes it part of a program that includes 26 airlines in total. Star alliance airlines fly to more than 1,200 destinations across 184 different countries as well, so you can use miles in this program to fly almost anywhere you want to go.

The Air Canada Aeroplan program is also one of the few remaining airlines that offers an award chart for its flight program. When you check it out, you can quickly find some travel sweet spots you could utilize.

For example, you can use 15,000 to 35,000 Aeroplan points for an economy award flight up to 2,000 miles in distance on Emirates. Also, you can fly from the east coast of the U.S. to Europe in business class for as little as 60,000 points each way.

Air France / Flying Blue is one of the best programs to get from the U.S. to Europe and back, and that's even true for families and groups. This program frequently features one-way economy flights from the U.S. to Europe for as little as 20,000 miles one way, and you can also find one-way business class flights to Europe for as little as 55,000 miles with reasonable taxes and fees. Best of all, it's not overly difficult to find four award flights for the same price on a single itinerary.

This program is also part of the SkyTeam alliance, so you can use your miles to book awards with partners like Delta Air Lines and KLM.

British Airways is another airline loyalty program that uses Avios, and you can use these points to fly with British Airways, Iberia, American Airlines and other oneworld partners. Award flights in this program start at 50,000 Avios for travel from the U.S. to London, and you can explore other destinations in Europe starting from London for as little as 18,500 Avios one-way.

Because British Airways is known for charging exorbitant fuel surcharges on award flights, this partner is best utilized for awards with American or Alaska Airlines. For example, you can fork over as little as 9,000 Avios one-way to fly economy from Miami, Florida to the Caribbean.

The Emirates Skywards program lets you book award flights starting at 15,000 miles. You can also book awards with a combination of cash or miles, and you can use miles to upgrade an economy ticket to a premium cabin.

While most people only think of using Emirates when planning trips to destinations in the Middle East, including Dubai, this carrier actually operates flights all over the world including in the U.S., Europe, Africa, Asia and Europe.

Iberia Plus is a member of the oneworld alliance, and it's another program that uses Avios as their form of airline miles. Not only can you use Avios to book a ticket with this program, but you can use your rewards to upgrade out of economy and into a premium cabin.

This Spain-based frequent flyer program offers a helpful Avios calculator on its website to help you figure out how many Avios you might need for an award ahead of time. With a simple search, you can find that award flights from New York City (JFK) to Barcelona or Madrid start at 34,000 Avios in economy.

JetBlue TrueBlue bases the cost of its awards on the actual cost of flights, which can be both good and bad for your rewards game. Ultimately, the fare-based program makes it so you can score awards for a low number of points when prices are low, but that you'll have to fork over more points during peak travel times or any time prices for flights are on the high side.

That said, there are definitely some deals to be had with the JetBlue TrueBlue program if you're willing to fly any day of the week and flexible with when you travel during the year.

As an example, we found award flights from Fort Lauderdale, Florida (FLL) to Montego Bay, Jamaica (MBJ) starting at just 5,800 TrueBlue points one-way over dates in June of 2023.

Singapore Airlines KrisFlyer is a Star Alliance partner airline, which means you can use this airline to book awards all over the world. This program bases its award cost on "zones" that are roughly built around the distance flown, and there are plenty of sweet spots.

For example, a one-way Saver award from Singapore (Zone 1) to the U.S. west coast and Canada (Zone 12) starts at 42,000 miles in economy and 107,000 miles in business class, and awards from Singapore to destinations in Europe are similar.

Like the JetBlue TrueBlue program, Southwest Rapid Rewards uses a revenue-based system that bases the cost of their award flights on the cost of airfare. This means you can score cheap flight awards with Southwest when prices are low, but that you'll fork over a boatload of points when prices are high.

However, this airline offers some useful benefits that apply whether you book your flight with cash or points. For example, every passenger gets two checked bags for free on every flight, and the airline doesn't charge any change fees or penalties if you need to change your travel plans. Your points never expire either, and the frequent flyer program doesn't limit award availability or use blackout dates.

United MileagePlus is another Star Alliance member worth looking into whether you fly internationally or you mostly travel close to home. Miles in this program never expire, and you can use them to fly to the more than 1,200 destinations United and its partners fly to.

That said, you'll want to be flexible with your travel dates to maximize this program since many awards (especially on domestic flights) are overpriced when you compare to competing programs. You can also check out their featured awards . This updated list of deals frequently shows one-way domestic awards for as little as 6,600 United miles one-way and international awards from the U.S. to the Caribbean starting at 19,000 miles.

Virgin Atlantic just joined the SkyTeam airline alliance in March of 2023, so it just became a lot easier to use this partner to book awards. Not only can you use your miles to book flights with Virgin Atlantic, but the new alliance partnership opened the door to award bookings with Air France (Flying Blue), Delta and KLM, among other partners.

Like some other frequent flyer programs, Virgin Atlantic offers an award calculator on its website that helps you estimate how many miles you'll need.

Hotel transfer partners

Chase Ultimate Rewards also has three hotel transfer partners you can look into. Here's a rundown of each hotel loyalty program you can transfer Chase points to and how they work.

The IHG One Rewards program lets you book award nights at more than 6,000 properties across 18 different hotel brands in destinations around the world. Free night awards start at 5,000 points, but you can also use a combination of points and cash to book an award. Just keep in mind that mid-tier to luxury properties will likely run you 50,000 points to 100,000 points per night or more.

The screenshot below shows the different price points for award nights in Paris, France this upcoming fall:

Keep in mind that IHG One Rewards points are considerably less valuable than Chase points, so you'll want to transfer your Chase points to this hotel program sparingly. For example, you can consider transferring a few thousand points if you're just short of a redemption, or if you only need 5,000 points to book an award at one of the brand's lowest tier properties.

The Marriott Bonvoy program offers more than 8,000 hotels in 139 countries and territories around the world, so this program is worth considering if you want maximum flexibility in terms of where you use your rewards points. While the hotel brand eliminated its award categories in 2022, free nights at lower-tier and mid-tier hotels tend to start at around 20,000 points, while top-tier luxury hotels can cost as much as 100,000 Marriott Bonvoy points or more.

Like with the IHG One Rewards program, you should know that Marriott points aren't nearly as valuable as Chase points. This means you'll want to transfer points to this program sparingly, and only when you have no other option.

This hotel program only includes 1,350 hotels and resorts in 69 different countries across six continents, so it has a smaller footprint than most of its competitors. Still, World of Hyatt is by far the most lucrative hotel loyalty program you can transfer Chase points to, and it's easy to explain why. Essentially, hotels in this program cost fewer points than competing hotel loyalty programs require, and this makes every point you earn or redeem much more valuable.

As an example, you can book a stay at a Hyatt all-inclusive property with double occupancy for as little as 12,000 points per night during off-peak dates. You can even book luxury hotels like the Park Hyatt Maldives Hadahaa for as little as 25,000 World of Hyatt points per night or the Andaz Maui at Wailea Resort for as little as 35,000 points per night.

During our search, we found award availability for the Andaz Maui at Wailea Resort in an 850-square foot Andaz Suite for just 56,000 points per night when the cash rate for the room came in at $1,581.

Considering this redemption gets you almost 3 cents per point in value, that's a pretty "suite" deal.

When should you transfer points?

We noted already that there are times to transfer your points and situations where you'll want to book an award a different way. At the end of the day, maximizing your Chase points boils down to assessing all the available redemption options for the travel you want, then comparing them based on the number of points you'll actually need to make a booking.

Here are some situations where you should absolutely transfer your points when you have the option.

Transfer your points when the booking sets you back fewer points overall

You'll always want to book travel for fewer points overall, and this is often accomplished through point transfers. Let's take the Andaz Maui at Wailea Resort booking example above and compare how much you would pay for a similar booking if you used Chase points to pay instead.

While you can book an Andaz Suite for 56,000 points on select travel dates, the cash price for this booking comes in at $1,581. In the meantime, booking with the Chase Sapphire Reserve® gets you 1.5 cents per point in value through the portal. This means that, on average, booking through Chase would require you to fork over approximately 105,000 points for the same booking.

In this case, you're much better off transferring your points to World of Hyatt and booking the same room for half the cost (in points).

Transfer points to book airfare in a premium cabin

If you're planning to book an award in a premium cabin, it is almost always a better deal to transfer your points to an airline partner first. After all, some (but not all) frequent flyer programs offer solid deals on business class flights when you're flexible with your booking dates, so you can save some points if you find the availability you want.

Consider this one-way business class award fare on Air France / Flying Blue, which takes you from New York City (JFK) to Paris, France (CDG) in a lie-flat business class seat for 55,000 miles plus $202.10.

If you paid in cash, this same flight would cost you approximately $3,581.20.

After subtracting the $202.10 in airline taxes and fees you would pay to book directly with Air France / Flying Blue, you can easily see that your 55,000 miles are worth more than 6 cents each with this award flight.

In this scenario, transferring your points is a no-brainer.

Transfer your points to "top up" your account for a redemption

While some rewards currencies are worth less than others, it can still make sense to transfer to a program if you're just short of the points you need for a redemption. If you want to book a IHG One Rewards hotel for 30,000 points per night and you only have 27,000 points in your IHG account, for example, moving 3,000 Chase Ultimate Rewards points can make sense regardless of the point values.

And really, this is one of the main reasons to have transferable points in the first place. After all, you may also be earning travel rewards by flying or staying in hotels, or with any number of hotel credit cards and airline credit cards. By having flexible rewards points at your disposal, you have more flexibility and a better chance at reaching your travel goals.

How to transfer Chase Ultimate Rewards points to partners in 5 steps

The first step to transferring your Chase points to partners is making sure you have one of the eligible credit cards from this card issuer. Once you sign up for the right Chase card, you can create an online account and transfer your points to partners using the following steps.

Step 1: Log into your Chase account

Log into your account at Chase.com to begin the process.

Step 2: Select Chase Ultimate Rewards

Click toward the right of your account management page where it shows your Chase Ultimate Rewards points.

Step 3: Click near the top of the page where it says "Earn/Use" to see your redemption options and click on "Transfer to Travel Partners"

If you have a Chase card that allows point transfers, this option will show up in your account.

Step 4: Choose your transfer partner

At this point, you'll be shown a selection of all the Chase transfer partners, including saved accounts you have where you already entered your information.

Step 5: Enter your information to complete the transfer

If you already have your information saved with a Chase transfer partner, you can pick your option and transfer your Chase points in increments of 1,000. If you haven't used a specific partner yet, you can prepare to transfer by entering your loyalty account number and your name.

At that point, you'll be allowed to transfer your Chase points to airlines and hotels. Just keep in mind that you can only move your Chase points to loyalty accounts in your name or the name of an authorized user on your Chase credit card.

Chase Ultimate Rewards credit cards

The good news about Chase Ultimate Rewards is the fact that you can earn these points with several different credit cards. That said, it's worth noting that you can also earn rewards with cash back credit cards like the card_name and the Chase Freedom Flex then pool them in your Chase travel card account for better redemption options.

Chase credit cards that let you earn points that transfer to Chase airline and hotel partners on their own include the following:

Chase transfer rules to know about

• You can transfer Chase Ultimate Rewards points to airline and hotel partners in increments of 1,000 only.
• You can only transfer points to another person's loyalty account if they are an authorized user on your Chase transfer card account.
• You can combine Chase points earned with cash back credit cards into your account for point transfers, but you have to have the card_name , the card_name or the card_name to do so.
• Chase point transfers are one-way, meaning you cannot move transferred points back to your Chase account if you change your mind.

Get the most from your points with partners

Chase transfer partners pave the way to even more valuable redemptions when you start earning points in the program, and that's especially true if you're a frequent traveler who has some flexibility in their plans or you're someone who loves to traverse the globe in business class or first class.

That said, it's worth noting that you don't have to transfer your points to airlines and hotels if you don't want to. You can also use your points to book airfare, hotels, rental cars and more through Chase direct, or you can redeem your points for cash back, statement credits, gift cards or merchandise.

While Chase Ultimate Rewards points are valuable no matter how you decide to use them, having this type of flexibility in your rewards program is priceless.

Frequently asked questions (FAQs)

How do you combine your chase ultimate rewards points into a single account.

Chase lets you combine your points within your online account management page. All you have to do is log into your Chase account at Chase.com, go to your rewards account, then select the option that says "Earn/Use." From there, you'll see the option to "Combine Points" and you can move your points around among your Chase accounts however you please.

How to transfer points between Chase card accounts?

Chase lets you combine points within your online account management page. You can also transfer points to someone living in your household by calling the number on the back of your card and having the other person's credit card account added to your "Combine Points" page.

What are the best ways to redeem Chase Ultimate Rewards points?

The best redemptions are usually made after you transfer your rewards to a hotel or airline partner. However, there are no hard and fast rules that dictate which awards are the best or most valuable.

Can you transfer Chase ultimate rewards to another person?

You can transfer Chase points to another person's account as long as they live in your household and share your address.

Can you transfer points from Chase to Amex?

You cannot transfer Chase Ultimate Rewards points to your American Express Membership Rewards account.

How to transfer points from Chase to Virgin Atlantic?

Head to your online Chase account and click on the area that shows your Chase Ultimate Rewards points. From there, you'll click where it says "Earn/Use," then on the option that says "Transfer to Travel Partners."

At that point, you can scroll down to Virgin Atlantic, add your loyalty number and transfer points in increments of 1,000.

The information presented here is created by TIME Stamped and overseen by TIME editorial staff. To learn more, see our About Us page .

Featured Articles

Chase Sapphire Preferred vs. Citi Premier: Why The Preferred Is More Cost-Effective

Chase sapphire preferred and citi premier are two beginner travel rewards cards that allow you to earn points on travel rewards and everyday spending..

American Express Green Card Review 2024

Here’s what to know about the american express green card, its benefits, and who it’s right for..

Best Travel Credit Cards for September 2024

The best travel credit cards offer miles, points, and valuable exclusive perks. find the best travel credit cards here..

Best Credit Cards to Build Credit in September 2024: 9 Top Options

The best credit cards for building credit come with easy approval requirements and other perks. these are the cards we recommend and why..

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market.  See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our  credit card rating methodology .

The Complete Guide To Using the Chase Travel Portal — Maximize Your Options

Katie Seemann

Senior Content Contributor and News Editor

376 Published Articles 63 Edited Articles

Countries Visited: 28 U.S. States Visited: 29

Senior Editor & Content Contributor

168 Published Articles 785 Edited Articles

Countries Visited: 41 U.S. States Visited: 28

Table of Contents

Why book travel through the chase travel portal, cards that earn chase ultimate rewards points, what are chase ultimate rewards points worth, earning chase points by booking travel, how to access the chase travel portal, how to book a flight through chase travel, how to book a hotel through chase travel, how to book a rental car through the chase travel portal, how to book activities through chase travel, how to book a cruise through the portal, how do the prices compare to other sites, other ways to use the chase travel portal, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Key Takeaways

• The Chase Ultimate Rewards Travel Portal allows cardholders to book travel using points at a fixed value, typically 1 to 1.5 cents per point, depending on the card.
• The portal offers flights, hotels, cruises, car rentals, and experiences. Users can pay with points, a Chase credit card, or a combination of both.
• You can also use the portal to pay with points at Amazon, Apple, and PayPal, purchase gift cards, and transfer points to Chase airline and hotel partners.

Chase Ultimate Rewards is one of the major transferrable points programs and a favorite among many travelers. Points are easy to earn and can be transferred to many different hotel and airline partners. But you can also book travel directly through Chase’s travel portal using Ultimate Rewards points.

Booking travel through the Chase Travel portal is simple and can be a great way to use your points.

We’ll show you everything you need to know about how to redeem your points, including the benefits, how to know what your points are worth, and how to book airlines, hotels, and more through the Chase Travel portal.

Generally, you can get maximum value from your Chase Ultimate Rewards points by transferring them to the Chase airline and hotel partners , so why are we talking about using points through a travel portal? While it’s true that the only way to get the highest value redemptions is by transferring, there is still a lot of value to be had by booking directly through the Chase Travel portal.

Flexibility

Flexibility is not often available with points bookings. Unlike an award booking, booking through Chase Travel is like using any other online travel agency (OTA) . There are no blackout dates or limited inventory award seats. If a flight or hotel is available, you can book it with points through the Chase travel portal.

You Can Earn Frequent Flyer Miles

One of the major bummers of booking flights with frequent flyer miles is that you don’t earn miles on award bookings. You can end up doing a lot of travel without earning miles. However, any booking you make with your Chase Ultimate Rewards points through the Chase Travel portal will earn frequent flyer miles and accrue status points. Unfortunately, hotel and car rental bookings still won’t earn points.

We have talked to so many people over the years that love the idea of collecting points and miles but don’t want to deal with the hassle. While many don’t mind putting a little work into getting an awesome redemption, others are just looking for a simple way to book travel and hopefully save some money in the process.

That’s where the Chase Travel portal comes in. With this method of redeeming points, there is no transferring, comparing points values, blackout dates, limited award availability, or multiple travel accounts. You only have to deal with 1 type of point and 1 travel portal but can still retain many of the benefits of collecting points and miles in the first place.

Bottom Line: You can book flights, hotels, rental cars, activities, and cruises through the Chase Travel portal.

If you like the idea of using the Chase Travel portal, you’ll need a credit card that earns Chase Ultimate Rewards points:

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• No elite travel benefits like airport lounge access
• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable

There are also some great cash-back cards from Chase that can be used to book travel through Chase Travel. The points earned on these cards can be converted into cash-back or alternatively, they can be used in the Chase travel portal.

• Chase Freedom Flex℠
• Chase Freedom Unlimited ®
• Chase Freedom ® card (no longer open to new applicants)
• Ink Business Cash ® Credit Card
• Ink Business Plus ® Credit Card (no longer open to new applicants)
• Ink Business Unlimited ® Credit Card
• Ink Business Premier ® Credit Card

It’s easy to earn lots of Chase Ultimate Rewards points , but do you know how much they are worth ? If you’re transferring your Chase Ultimate Rewards points to a travel partner, their value will go up or down depending on the type of redemption.

However, when you are booking your travel directly through Chase’s travel portal, each Chase Ultimate Rewards point has a set value that won’t change . The credit card you have will determine the value of your Chase Ultimate Rewards points.

Transfer Your Points Between Credit Cards for Maximum Value

If you have multiple Chase credit cards, it makes sense to transfer your points to the card with the most valuable redemption rate. The only exception to this is the Ink Business Premier card because points earned on this card can’t be transferred to any other card.

1. To transfer your points between 2 cards, log on to the Chase dashboard and select Combine Points .

2. Then you will be able to select the card you want to transfer points from and the card you want to receive the points. After you choose, click Next.

3. You can transfer all of your points or just what you need. Click Review to continue.

4. Double-check the details and click on the Submit button to complete the transfer.

Bottom Line: Your credit card will determine the value of your Chase Ultimate Rewards points. Your points are worth between 1 to 1.5 cents each depending on which credit card you’re redeeming points through. 

What if you’d prefer to pay for your travel with a Chase credit card to earn Ultimate Rewards points? The number of points you’ll earn through the Chase travel portal is dependent on which credit card you have and what type of travel you’re purchasing.

You can log into your account in 2 ways.

First, you can go directly to the Ultimate Rewards website to log in or you can log in through your Chase account .

If you’re in your Chase account, click on one of your Ultimate Rewards credit cards and then click on Redeem next to the card’s Ultimate Rewards balance.

Then choose the card you want to use.

From here you can access Chase Travel by clicking on Travel  in the top search box or you can switch to another card’s account by clicking on the 3-line icon in the upper left-hand corner.

1. In the Travel section of your Ultimate Rewards account, click on Flights to start your search for a flight. As with any other OTA, you begin your search by inputting basic information such as departure and arrival city, travel dates, and the number of passengers.

2. Next, you will be able to narrow your search results . At the left-hand side of the page, you can filter your results by things like airline or flight times. Then you can sort your results by price, trip duration, or times using the drop-down box at the top of the search results.

3. For each flight option, you’ll be able to see the price in dollars and in points on the right-hand side of the results box.

4. Once you’ve found the flight you want, click the blue Select button. Next, you can choose your return flight using the same process as you did for selecting the outbound flight. Click the blue Select button once you have made your choice.

5. From here you can confirm your flight details and select a fare upgrade if you wish. Then, you’ll be able to choose how to pay for your flight . You can pay for the entire purchase with points or a Chase credit card, or you can split your payment between points and a Chase credit card.

6. Finally, input your passenger information next. Don’t forget to add a frequent flyer number, a Known Traveler Number, or a Redress number if you have them.

Hot Tip: When purchasing travel through the Chase travel portal, you can split your payment between Chase Ultimate Rewards points and a Chase credit card.

1. To book a hotel through the Chase Travel portal , you’ll need to start by clicking on the Hotels tab in the main search box. Then, input your destination, check-in and check-out dates, and the number of travelers. Next, click on the blue Search button.

2. Your search results will look like other sites that you may be familiar with. You’ll see filtering options to the left and sorting options above your search results.

3. Each search result will show the price in both dollars and Chase Ultimate Rewards points. These prices include taxes and fees with the exception of resort fees.

4. Once you select your hotel, click on Add to Itinerary . You can choose to pay for all or part of your hotel cost using Ultimate Rewards points. Click Begin Checkout to input your reservation details and finalize your booking.

Hot Tip: When booking a hotel through the Chase Travel portal, you won’t be eligible to earn points in the hotel’s loyalty program or take advantage of any elite status you may have.

The Luxury Hotel and Resort Collection

The Luxury Hotel and Resort Collection (LHRC) is exclusively for Chase Sapphire Reserve cardholders. From the Ultimate Rewards travel home page, just click on The Luxury Hotel & Resort Collection tab.

Once you are on the LHRC homepage, type in your destination and click Search to view available properties. Each listing will display the property’s unique cardmember benefits. Click on the listing for more information and to continue the booking process.

When booked through the Chase Travel portal, these properties offer the following benefits:

• Daily breakfast for 2
• Special amenity (varies by property)
• Room upgrades (based on availability)
• Early check-in and late checkout (based on availability)

The Luxury Hotel and Resort Collection properties are reservation-only bookings. You’ll make your reservations online and payment doesn’t happen until you check out from the hotel. These bookings will not take Chase Ultimate Rewards points as payment.

Bottom Line: Luxury Hotel and Resort Collection properties are only available to Chase Sapphire Reserve cardmembers. These properties can’t be booked with points.

1. To rent a car through the Chase Travel portal, start by clicking on the Cars tab in the main search box. Then, input your pick-up location, drop-off location, dates, times, and age of the driver. Click on the blue Search box to continue.

2. You can then narrow your search with the filtering options on the left-hand side of the page.

3. For each car option, you will be able to see the car details, rental company, and price in both dollars and Chase Ultimate Rewards points. Once you have selected the car you want to rent, click on Add to Itinerary .

4. You can pay for the entire purchase with points or a Chase credit card or split your payment in any amount. Double-check all of the details before completing your purchase.

Did you know you can also book activities through Chase Travel?

1. Click the Activities tab on the Ultimate Rewards travel homepage to get started. Then, input your destination and travel dates and click the Search button to continue.

2. You can narrow your search by selecting 1 or more categories at the left-hand side of the page. Categories can include things like:

• Classes & workshops
• Cruises & sailing
• Food & drink
• Outdoor activities
• Seasonal & special occasions
• Tickets & passes
• Tours & sightseeing
• Transfers & ground transport
• Unique experiences

3. Each activity will show the price in both dollars and points to the right side of the screen. Click on Show Details and Pricing for more information and to book the activity.

6. Double-check all of the details on the final page before completing your purchase. Click the box confirming you understand the travel disclosures, then click Complete Checkout to finish your purchase.

Bottom Line: You can book lots of activities through the Chase Travel portal, including airport transfers!

If you’re a fan of cruises, you’ll be pleased to know you can book them through your Chase Travel portal. To get started, click on the Cruises tab on the Ultimate Rewards travel homepage.

This will bring up a list of available cruises, but there’s also a search box at the top of the screen, so you can input a specific destination or cruise line.

Each listing will display the cruise line, ship, ports of call, sailing dates, and baseline pricing for an interior or oceanview cabin. Unfortunately, if you want any more specific information or if you want to book, you will need to call 855-234-2542 .

You’ll notice that only cash prices are listed for cruises, however, they can be booked using your Chase Ultimate Rewards points, too.

Hot Tip: You can book a cruise through Chase Travel but you’ll have to call to make your reservation as they can’t be booked online.

Are you getting a good deal by booking through Chase? Let’s look at how the prices available through the Chase Travel portal stack up to other OTAs and search engines including Hotwire , Kayak , and Expedia .

We did some flight searches and found there’s no clear-cut pattern on prices between the Chase portal to other websites.

Example #1: Round-trip flight between Philadelphia (PHL) and San Francisco (SFO) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between Alaska Airlines and Delta Air Lines for $526.20. This worked out to be the cheapest price we found, and Priceline had the same low price. Expedia and Hotwire both charge booking fees, making the price a little higher. Each airline’s own website couldn’t split the itinerary between different airlines, so those ended up being much more expensive.

If you are in doubt or would like to check prices yourself, Kayak is a great place to start. Kayak will show you prices for a flight on all of the OTAs as well as the airline’s website. It’s a great one-stop shop to compare flight prices.

Example #2: Round-trip flight between New York City (JFK) and Paris, France (CDG) for 1 person in economy.

We searched this route in the Chase travel portal and the cheapest option was a flight that was split between American Airlines and British Airways for $689.78. This wasn’t the overall best price we found, though. That award goes to Expedia and Priceline.

Hot Tip: You will earn frequent flyer miles when you book your flight through the Chase Travel portal.

Example #1: Here’s how prices looked for a week-long stay at the JW Marriott Cancun Resort & Spa in Mexico for 2 people including all taxes and fees. The $291.55 resort fee can’t be paid with points.

In this example, the best cash rate by far was through Marriott. However, if you wanted to pay with points, booking with Chase Ultimate Rewards points through the travel portal would be your best bet.

Keep in mind that Marriott doesn’t have an award chart, so different time periods can have different point costs. A 7-night stay at this hotel can dip down to 240,000 points for a 7-night stay. If you’re going to pay for your hotel stay in points, it’s always smart to calculate how many points it would cost to book through Chase versus transferring points . This information can help you make the best and least expensive choice.

Hot Tip: You won’t earn hotel loyalty points when booking a hotel through Chase and any elite status you have may not be recognized.

Example #2: Let’s look at an example of a hotel that doesn’t have a loyalty program. We priced out a 2-night stay at Almond Tree Inn Hotel in Key West, FL for 2 people. The highest prices were direct via the hotel with all other websites surveyed being cheaper.

Here’s how the prices stacked up:

Chase’s low price matched the other online travel websites and was actually lower than the hotel’s own website, so it would be a great option in this case. It also affords the opportunity to use points for a hotel that doesn’t have its own loyalty program.

Car Rentals

In many cases, car rental prices found through the Chase Travel portal were similar to prices found on the rental agency’s own website.

The main difference in booking through Chase vs. directly through a car rental agency is that the car rental agency often has the ability to book the car without paying up front. With the Chase portal, you will be paying at the time of booking and there may be change or cancellation fees if you need to modify your reservation.

In both of these examples, Chase Travel didn’t offer the lowest price, however, that won’t always necessarily be the case. Of course, the advantage of booking through Chase is the ability to use your Chase Ultimate Rewards points. It’s always a good idea to price out your car rental on a few different websites before booking to ensure you’re getting the best price.

Chase actually offered the lowest prices on activities for both examples:

Earn Bonus Ultimate Rewards Points

The Chase Travel portal also helps you earn bonus points.  With the Shop through Chase feature, you can earn extra Ultimate Rewards points through your online shopping.

Just click Earn Bonus Points in the top search bar to access the shopping portal. Click on a featured store or search for a specific one. Then simply click through the portal to your website of choice to make your purchase. Your bonus points will be added to your Chase Ultimate Rewards points total within 3 to 5 days in most cases.

Pay With Points

Did you know you can use your Chase Ultimate Rewards points to make purchases at Amazon and PayPal? Click on Pay with Points in the top search bar, then select either Amazon or PayPal to enroll and shop.

Unfortunately, the redemption value you get when shopping through Amazon or PayPal is pretty bad — only 0.8 cents per point. While it’s great to have this as an option, we don’t recommend using points to shop at Amazon or PayPal as your main use of Chase Ultimate Rewards points.

Bottom Line: The value of using your Chase Ultimate Rewards points to shop through Amazon or PayPal isn’t great: you will only get 0.8 cents per point!

Apple Purchases

By clicking on Apple in the main search box in your Ultimate Rewards account, you can use your Chase points to make purchases. Normally, you’ll get 1 cent per point in value when using your points for Apple purchases, but there are occasional bonuses offered to get a better redemption rate.

You can also redeem your Ultimate Rewards points for cash-back. To do this, simply select Cash-back from the main search bar at the top of the screen. You will then be able to see choose how many points you’d like to redeem for cash-back at a value of 1 cent per point .

You can choose to have your cash direct deposited into a checking or savings account or as a statement credit. The deposit or statement credit will be posted within 3 days.

Bottom Line: Your Chase Ultimate Rewards points are worth 1 cent each when redeemed as cash-back. We do not recommend this as a primary redemption option because you can get more value via the Chase Travel portal, and a lot more when transferring to airline and hotel partners.

Experiences

This is a really cool section of the Chase Travel portal. When you click on Experiences in the main search bar, you’ll see a list of exclusive events, preferred seating, and other offers for select Chase cardmembers.

Experiences can be purchased with a credit card or with points. You will get 1 cent per point in value when redeeming points for experiences. Some experiences are only available to cardholders of specific cards so be sure to check all of your cards if you have more than 1 to make sure you don’t miss anything.

If you prefer gift cards, you can purchase them through the Chase Travel portal using points. Just click Gift Cards in the main search bar to get started. From here, you will be able to scroll through all of the available gift cards. You’ll get 1 cent per point in value, with occasional sales offering better redemption rates.

Hot Tip: Points redeemed for gift cards have a 1-cent per point value. However, you might notice some cards offer discounts, so there is the opportunity to get a bit more value!

Pay Yourself Back

Another way to use your Ultimate Rewards points is through the Pay Yourself Back feature. This allows you to redeem your points for a statement credit for purchases in select categories. The current categories include groceries, dining, select charities, credit card annual fee, internet, cable, phone, and shipping and the redemption value varies by card.

Transfer To Travel Partners

Transferring points to travel partners is the best way to get the most value out of your points . By transferring, you can potentially get 2, 3, or more cents per point value.

Chase Airline Transfer Partners

Chase Hotel Transfer Partners

To transfer your Chase Ultimate Rewards points to any of the above airline and hotel partners, log on to your account and click on Transfer To Travel Partners in the top search box. Choose your airline or hotel and then select Transfer Points . You’ll need to fill out your frequent flyer information or hotel loyalty membership number to complete the transfer.

Bottom Line: You can currently transfer your Chase Ultimate Rewards points to 14 different hotel and airline partners.

There are many ways to use your Chase Ultimate Rewards points. While transferring points to one of Chase’s airline and hotel travel partners can get you maximum value, there are a lot of benefits for booking travel directly through the Chase Travel portal .

In addition to hotels and flights, you can book car rentals, activities, and cruises. Or, you can use your points for cash back, shopping, gift cards, or Chase exclusive experiences. With so many ways to use your Chase Ultimate Rewards points, your next trip is only a few clicks away!

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Ink Business Plus ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Terms Apply

The information for PenFed Pathfinder® Rewards Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

PenFed Pathfinder® Rewards Visa Signature® Card

The PenFed Pathfinder® Rewards Visa Signature® Card has good travel rewards and a generous sign-up bonus, plus an easy way to waive the annual fee.

Credit Needed

Excellent, Good

Intro Offer

Earn 50,000 bonus points when you spend $3,000 in the first 90 days of opening an account

Rewards Rate

4x points on all travel categories for PenFed Honors Advantage Members

Not only are bonus categories generous, but the base rate of 1.5 points per dollar is higher than the one point that most rewards cards offer.

The card comes with travel perks including a complimentary priority pass airport lounge membership and statement credit up to $100 for the Global Entry or TSA PreCheck application fee.

Honors Advantage membership – eligible for any military-affiliated cardholder or those who open and maintain a PenFed checking account – will save you on the annual fee and bump up the travel category rewards rate.

There’s a high spending threshold and a short time period of 90 days to earn the welcome bonus.

If you aren’t already a PenFed member, you must become a member when you’re approved for the card.

PenFed does not have any airline or hotel travel partners to transfer points.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

PenFed Pathfinder® Rewards Visa Signature® Card Summary

The PenFed Pathfinder® Rewards Visa Signature® Card has solid rewards points and an excellent sign-up bonus. The card has a $95 annual fee, but it’s waived for PenFed Honors Advantage members.

Cardholders will earn three points for every dollar spent on travel purchases . Otherwise, the card earns 1.5 points on all other purchases . As a welcome offer, you can earn 50,000 bonus points if you spend $3,000 within the first 90 days of account opening . If you’re a PenFed Honors Advantage member, the travel purchase category is bumped up to four points per dollar.

There are no foreign transaction fees, and you’ll receive perks like a complimentary airport lounge membership and a statement credit up to $100 for the Global Entry or TSA PreCheck application fee. The card also offers a 12-month 0% introductory annual percentage rate for balance transfers .

• Rates and Fees
• Highlights from Issuer
• Issuer Name PenFed
• Credit Needed Excellent, Good
• Annual Fee $95
• Regular APR 17.99% Variable APR
• Penalty APR 17.99% Variable APR
• Purchases Intro APR 17.99% Variable APR
• Balance Transfer Fee 3% per transaction
• Cash Advance Fee None
• Foreign Transaction Fee None

Is the PenFed Pathfinder® Rewards Visa Signature® Card Right for Me?

Yes, if you:

• Are looking for a card with travel benefits. 
• Do not need to transfer points to outside travel partners.
• Already are or want to become a PenFed Honors Advantage member.

Tips for Using the PenFed Pathfinder® Rewards Visa Signature® Card

To really maximize the PenFed Pathfinder® Rewards Visa Signature® Card, it’s worth becoming an Honors Advantage member, as doing so turns it into a no-annual-fee card with better benefits. You’ll also score an extra point per dollar on travel purchases. From there, squeeze more value from the card by taking advantage of the priority pass airport lounge annual membership and the statement credit for up to $100 for the Global Entry or TSA PreCheck application fee.

You’ll also get a $100 domestic air ancillary travel credit, and trip delay reimbursement up to $300 per ticket, so it’s a good card to use for booking flights.

Editor's Take

This card has so much value in terms of bonus categories, a generous welcome offer and added travel benefits – and you can get it all for no fee as a PenFed Honors Advantage member. Even if you pay the annual fee, it’s still a good card, but with the fee waiver, it’s exceptional. The one downside is you can’t transfer PenFed points to travel programs, so you’re limited to the options within PenFed’s Reward Redemption Center.

Current Welcome Offers 

New cardholders can earn 50,000 bonus points by spending $3,000 within the first 90 days of account opening .

How to Maximize Rewards With PenFed Pathfinder® Rewards Visa Signature® Card

If you’re a PenFed Honors Advantage member, you’ll earn four points for every dollar spent on travel purchases. Nonmember cardholders will earn three points for every dollar spent on travel purchases . Otherwise, the card earns 1.5 points on all other purchases . You’ll earn 50,000 bonus points if you spend $3,000 within the first 90 days of account opening .

PenFed has no airline or hotel travel partners – instead, you’ll redeem your points through the PenFed rewards catalog. You can also redeem your points for gift cards, merchandise and experiences or donate them to charity. Note that rewards Pathfinder reward points expire five years after they are earned.

Comparing the PenFed Pathfinder® Rewards Visa Signature® Card With Other Credit Cards

U.s. news credit card rating methodology, alternative pick.

On Chase 's Website.

Chase Sapphire Preferred® Card

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

Credit Cards

Financial planning.

• Cheapest Car Insurance
• Cheapest Full Coverage Car Insurance
• Car Insurance Cost Calculator
• Best Car Insurance
• Compare Car Insurance Costs
• Average Cost of Car Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Best Life Insurance Companies
• Best Universal Life Insurance
• Best Life Insurance for Seniors
• Compare Quotes
• Best Auto and Home Insurance Bundle
• Homeowners Insurance
• Renters Insurance
• Health Insurance
• Pet Insurance
• Small Business Insurance

Insurance Guidance

• Conventional Mortgages
• Jumbo Loans
• Best HELOC Loans and Rates
• Get a HELOC With Bad Credit
• Pay Off Your Mortgage With a HELOC
• Pros and Cons of HELOCs
• The HELOC Approval Process
• Mortgage Payment Calculator
• Reverse Mortgage Calculator
• FHA vs. Conventional Loan Calculator
• Private Mortgage Insurance Calculator
• Debt-to-Income Ratio Calculator

Mortgage Guidance

• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Travel Rewards Credit Cards
• Best Airline Credit Cards
• Best Credit Cards for Excellent Credit
• Best Business Credit Cards
• Best American Express Cards
• Best Capital One Credit Cards
• Best Chase Credit Cards
• Best Citi Credit Cards
• Best Bank of America Credit Cards
• Cash Back Calculator
• Pros and Cons of Balance Transfers
• Practical Guide for Improving Credit Fast
• Average Credit Score by Age
• Credit Cards For Bad Debt
• Credit Card Glossary

Recent Credit Card Reviews & Comparisons

• Best Personal Loans of 2024
• Best Personal Loans for Excellent Credit
• Best Personal Loans for Good Credit
• Best Personal Loans for Bad Credit
• Best Same-Day Approval Loans
• Best Personal Loans for Debt Consolidation
• Best Private Student Loans
• Best Student Loans for Bad Credit
• Best Student Loans for International Students
• Best Low-Interest Student Loans
• Best Student Loans Without a Co-Signer
• Personal Loan Calculator
• Auto Loan Calculator
• Student Loan Calculator
• How to Calculate Loan Payments
• Can You Get a Personal Loan With Bad Credit?

Loans Guidance

• Compound Interest Calculator
• Cost of Living Calculator
• Financial Literacy Handbook
• Guide to Retirement Planning
• Ultimate Guide to Budgeting
• Understanding Types of Debt
• How to Pay Down Student Loan Debt
• How to Start Saving & Investing
• Should You Rent or Buy a House
• How to Pay for College
• Guide to Buying a Car
• Guide to Negotiating Salary
• Safest Cities in America
• Top Cities for Job Seekers
• Most & Least Tax-Friendly States
• Most Dangerous Days for DUIs

Free Spirit® Travel More World Elite Mastercard® Review: Decent Perks for Spirit Fans

The Free Spirit® Travel More World Elite Card lets you earn high rewards on flights and dining, and its annual fee is offset by its annual companion voucher. However, it lacks many common perks you find in other travel cards.

Doug Milnes, CFA

Head of Credit Cards at MoneyGeek

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets. Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

Brett Holzhauer, CPFC

Personal Finance Journalist

Brett Holzhauer is a Certified Personal Finance Counselor (CPFC) and a personal finance reporter at MoneyGeek. He has written for several leading publications, including Forbes Advisor, LendingTree, CNBC and ValuePenguin. Holzhauer has a journalism and mass communications degree from the Walter Cronkite School of Journalism and Mass Communications at Arizona State University.

Casie McCoskey

Content Editor

Casie McCoskey is a professional editor passionate about providing people with accessible information on personal finance. Before MoneyGeek, she worked in the legal field, drafting and editing briefs and motions.

Updated: September 17, 2024

Advertising & Editorial Disclosure

• Detailed Review
• Points Earning and Redemption
• How the Card Compares
• Card Pairings
• Should You Get It?
• Methodology

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies .

The Free Spirit® Travel More World Elite Mastercard® is designed for frequent Spirit Airlines fliers. It offers 3X points on Spirit purchases, priority boarding and a 50,000-point sign-up bonus. The card also lets you earn a $100 companion voucher every year after meeting a spending requirement, which can offset the $79 annual fee after the first year.

However, the card lacks free checked bags or some of the travel perks you’d expect from airline cards. Plus, Spirit points have a lower redemption value and can’t be transferred to other programs, limiting how you can use them. If you only fly Spirit occasionally, you might find better value with another airline card.

Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

The Free Spirit Travel More World Elite Card can work if you almost always fly Spirit Airlines. You’ll earn high rewards on Spirit flights plus a substantial sign-up bonus. Although it lacks free checked bags, the card offers perks like priority boarding and a companion credit larger than its $79 annual fee.

• High rewards on flights and dining
• Purchases earn status
• Companion voucher annually
• Priority boarding
• No foreign transaction fees
• Annual fee after first year
• Limited redemption options
• No free checked bags
• $0 intro annual fee in the first year, then $79 after that
• Earn 50,000 bonus points and a $100 companion flight voucher by spending $1,000 on purchases in the first 90 days
• Earn a $100 companion flight voucher each year by spending $5,000 on purchases during the preceding year
• Earn up to three points per dollar
• Zone 2 shortcut boarding
• 25% discount on in-flight food and beverage purchases

Free Spirit Travel More World Elite Detailed Review

Spirit Airlines is known for its low-cost, no-frills approach, which might not be for everyone. But if you only fly Spirit, the Free Spirit Travel More World Elite Card could offer good value. With 3X points on Spirit purchases, a generous sign-up bonus and priority boarding, this card can make your Spirit flights more rewarding. The annual fee is $79 after the first year, but you can offset this cost with a $100 yearly companion voucher if you meet the spending requirements.

Beyond flights, you earn 2X points on groceries and dining and 1X on all other purchases. The card also provides a 25% discount on in-flight food and beverages and doesn’t charge foreign transaction fees.

However, the card's benefits don't include free checked bags, a perk often found with other airline cards in this price range. Redemption options are limited to Spirit flights and a few retail partners, and Spirit points don’t stretch as far as those from other airlines.

Free Spirit Points Earning and Redemption

The Free Spirit Travel More World Elite Card lets you earn Free Spirit points from the following categories:

• Three points per dollar on eligible Spirit Airlines purchases
• Two points per dollar on eligible grocery store and dining purchases
• One point per dollar on all other purchases

Note that wholesale clubs and superstores are excluded from earning the 2X points for grocery stores.

You can redeem points for Spirit flights and purchases from Spirit retail partners. The points do not expire as long as your account remains active. However, you’re not able to transfer your Spirit points to other loyalty programs, and you can get the best value by redeeming Spirit points for flights.

Due to dynamic pricing, the value of Spirit points fluctuates from 0.8 to 1.1 cents per point. This point valuation is notably low relative to other airline loyalty programs.

Does It Earn Elite Status Points?

The Free Spirit Travel More World Elite earns Status Qualifying Points (SQP) towards Free Spirit’s elite status. Specifically, you earn one SQP for every $10 you spend on the card. These SQPs help you move closer to achieving Free Spirit Silver or Gold status, which requires 2,000 SQPs and 5,000 SQPs, respectively.

Reaching elite status offers several benefits, including increased point-earning rates, free seat selection at booking and complimentary checked and carry-on bags. By spending $20,000 annually on the card, you can automatically earn Silver status, while $50,000 in spending will earn you Gold status.

Benefits and Perks

The Free Spirit Travel More World Elite Card offers several valuable benefits for frequent Spirit Airlines flyers:

Sign-up bonus : You earn 50,000 bonus points and a $100 companion voucher by spending $1,000 on purchases in the first 90 days. The bonus points can be worth $500 if redeemed for flights, and the companion voucher is a nice perk to have if you’re traveling with someone.

High rewards : Using the card, you can earn 3X points on Spirit purchases and 2X points on dining and grocery stores. All other purchases earn 1X points. This means you can also earn points from everyday purchases, which can help you accumulate points faster.

Companion voucher : The card lets you earn a $100 companion flight voucher each year if you make at least $5,000 in purchases within the prior year. This benefit can offset the card's $79 annual fee if you’re able to use it.

Priority boarding : Enjoy Zone 2 shortcut boarding on all flights, which can help ensure you have space for your carry-on luggage and a more relaxed boarding experience.

No redemption fees : The card waives the $50 redemption fee typically charged when Free Spirit members redeem award flights.

Drawbacks and Considerations

The Free Spirit Travel More World Elite can work well if you frequently fly with Spirit Airlines, but there are multiple drawbacks to consider before getting the card:

Annual fee : The card comes with no annual fee for the first year, but it becomes $79 after that. It’s a modest fee for airline cards, but it might be a dealbreaker if you don’t fly enough on Spirit to get the value. Although the companion voucher can help offset the fee, if you can't use it, you'll need to earn enough points to cover the fee before benefiting from any real savings.

Limited redemption options : Points earned with this card can only be redeemed for Spirit flights and a handful of other purchases with Spirit retail partners. Points are not transferable to other programs and, when redeemed, are not worth as much as points from other airlines. If you’re looking for a more flexible card, consider the Chase Sapphire Preferred® Card .

Small airline network : Spirit Airlines is a budget carrier with a more limited network than major airlines such as American, Delta or United. It doesn’t operate flights to every airport or offer service to all destinations. If you’re not based near a Spirit hub or plan to travel to destinations like Europe, the card may not provide much value for your needs.

No free checked bags : Airline cards at this price point usually offer free checked bags. It’s a nice perk that can typically offset the annual fee. However, this card doesn’t have this benefit.

How Free Spirit Travel More World Elite Compares

We compare the Free Spirit Travel More World Elite to other travel cards to help you make an informed decision.

Free Spirit Travel More World Elite vs. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers 5X points on travel purchased through Chase, 3X points on dining, streaming and grocery and 2X points on other travel purchases. It also comes with a 60,000-point sign-up bonus after spending $4,000 on purchases within the first three months. Although its annual fee is higher at $95, its points are transferable to several airline and hotel partners, significantly expanding your redemption options. It’s a more flexible travel card that offers a better rewards rate.

Free Spirit Travel More World Elite vs. United℠ Explorer Card

The United℠ Explorer Card offers 2X miles on United purchases, dining and hotel stays. Although it has a lower rewards rate, it has significantly more travel perks. It garners you two lounge passes per year, free checked bags and Global Entry and TSA PreCheck credits. It has a higher annual fee of $95 (waived for the first year), but this card lets you earn United MileagePlus points, which has a better redemption value. If you travel regularly and don’t mind flying United, the United Explorer Card offers better benefits.

Cards to Pair With the Free Spirit Travel More World Elite

Although the Free Spirit Travel More World Elite offers high travel rewards, it doesn’t do the same with everyday categories. We recommend this pairing:

Blue Cash Everyday Card From American Express

It can be an excellent strategy to pair the Free Spirit Travel More World Elite with a cash back card like the Blue Cash Everyday® Card from American Express . With no annual fee, the Blue Cash Everyday lets you earn 3% cash back on U.S. supermarkets, online retail purchases and gas stations, which complements the travel rewards of the Free Spirit card. Using the Free Spirit card for travel and dining and the Blue Cash Everyday card for everyday purchases, you can maximize your rewards across a wide range of spending categories.

Is the Free Spirit Travel More World Elite Worth Getting?

The Free Spirit Travel More World Elite is best suited for people who always fly Spirit Airlines and can take advantage of its rewards and benefits. Its airline-specific perks, such as purchases earning Free Spirit status, priority boarding and companion vouchers, deliver enough value to make it worth the annual fee for these travelers.

However, the Free Spirit loyalty program is the biggest drawback. You’re limited to destinations that Spirit flies to, and the points you earn are valued at less than those of other points programs. For travelers who aren’t committed to flying Spirit, a more versatile travel card might be a better choice.

Free Spirit Travel More World Elite Card Details

How we evaluated the free spirit travel more world elite card.

We assessed the Free Spirit Travel More World Elite by comparing it to 20 other airline cards, with a focus on key features. Our scoring is based on the following criteria:

• Expected Value for Travelers (40%) : Measures rewards and perks minus annual fees.
• Airline Scope (20%) : Rates the number of destinations the airline flies to.
• Offer ROI (15%) : Assesses the return on investment from introductory bonus offers.
• Airline Rewards Rate (10%) : Evaluates rewards earned on airline expenditures.
• Foreign Transaction Fees (5%) : Rates the presence of foreign transaction fees.
• Issuer Satisfaction (5%) : Based on J.D. Power's issuer satisfaction study.
• Recommended Credit (5%) : Availability to various credit scores.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

• American Express . " Blue Cash Everyday® Card ." Accessed September 12, 2024 .
• Bank of America . " Free Spirit World Elite Mastercard® from Bank of America ." Accessed September 12, 2024 .
• American Express . " The Business Platinum Card ." Accessed September 12, 2024 .
• Chase . " Chase Sapphire Preferred Credit Card ." Accessed September 12, 2024 .
• Car Insurance
• Home Insurance
• Rental Insurance
• Life Insurance
• Refinancing
• Conventional Loan
• Business Credit Cards
• Student Credit Cards
• Balance Transfer Cards
• Credit Cards with Rewards
• Travel Credit Cards
• Cash Back Credit Cards

Book an Airbnb in the top 10 wanderlust destinations with your Chase Sapphire Preferred

Some offers mentioned below are no longer available. View the current offers here .

To inspire travel after over a year of staying at home, Airbnb has gathered the top wish-listed destinations by guests that they want to return to after the pandemic is over. According to their survey, 76% of Americans say that "just thinking about future travel has helped their mental health during the pandemic."

Airbnb users picked destinations ranging from Los Angeles to Bali. As countries are reopening to vaccinated travelers, now's the time to think about your first destination since the start of the pandemic.

Here at TPG, we often praise the Chase Sapphire Preferred Card as the best travel rewards credit card on the market. It even won a Reader's Choice TPG Award in 2020 as the Best Travel Rewards Credit Card.

There's never been a better time to apply with the chance to earn 100,000 bonus points after spending $4,000 on purchases in the first three months of account opening.

That amounts to a whopping $2,000 in value, according to TPG valuations. Since each Chase Ultimate Rewards point is worth 5 cents each when redeemed for travel, this card can help you book your first post-pandemic trip — for (almost) free.

When it comes to Airbnb purchases, your Ultimate Rewards points will be worth 1 cent each -- more on that later. You'll typically get the most value from your points when transferring to Chase's 10 airline and three hotel loyalty partners, but for those who don't want to embark on complex transfer options, your 100,000 points are simply worth $1,000 if using for Airbnb.

With that in mind, let's take a look at the top 10 wanderlust destinations (as defined by Airbnb) and how you could use your Chase Sapphire Preferred to maximize and unlock (almost) free travel.

Related: A top travel card contender: Chase Sapphire Preferred credit card

How to use your Chase Sapphire Preferred for Airbnb

What we like so much about the Chase Sapphire Preferred is the amount of flexibility and value you get when it comes to travel.

The Sapphire Preferred's earning rate is easy to remember: 3x on dining and 2x on travel. While dining is self-explanatory, Chase defines travel broadly as it encompasses everything from the obvious (flights and hotels) to the less obvious (Ubers and parking garages). This means you'll get a solid 4% return on these purchases — including Airbnbs — which quickly adds up over time.

Related: Best credit cards for Airbnb stays

Airbnb Experiences include group or private tours, classes, and other related activities — both in-person and virtual. These will also count as travel purchases, so you'll also earn 5 points per dollar or a 10% return.

While you can't book Airbnbs on Chase's travel portal, you could use your points to redeem for Airbnb gift cards if you've found a property you're eager to stay at. You can redeem your gift cards for 1 cent each, meaning that you could get $800 of Airbnb gift cards through the sign-up bonus alone.

Another option is to leverage your points to redeem at 1 cent each for a statement credit or just get pure cash, which can be used for Airbnb or virtually anything. Note that another lucrative option is Chase's Pay Yourself Back feature for a limited time at an elevated rate (until Sep. 30, 2021) of 1.25 cents and 1.5 cents, respectively, for dining, grocery stores, home improvement stores, select charities or fund a vaccine ride with Lyft with the Sapphire Preferred and Sapphire Reserve.

Los Angeles, California

The entertainment capital of the world, many Airbnb travelers are actually looking forward to visiting Los Angeles to get some rest and relaxation. That's because of the temperate Southern California climate and the proximity to beaches and mountains.

The Architect's House

This two-bedroom guesthouse offers an eclectic vibe in the bohemian beach town of Venice Beach, Calif. There's enough room for four guests to fit comfortably in this modern house. At $333 per night, you could pay for two nights' accommodation with your Chase Sapphire Preferred sign-up bonus.

Related: The best times to visit Los Angeles

Sevierville, Tennessee

Americans have turned to road trips and domestic getaways since the pandemic, and we'll continue to see these destinations rise in popularity. Sevierville is located near the Great Smoky Mountains, beautiful every season, with no shortage of hikes and waterfalls here. Plus, famous country singer and American treasure Dolly Parton is from here, meaning you're just a quick drive to the Dollywood theme park.

Cliffside Cabin

This log cabin truly has a 'wow' factor to it. From rocking chairs to a hot tub to a charcoal grill, you'll be sure to feel cozy all year round. Sleeping six people comfortably, this cabin is affordable at just $174 per night — meaning four "free" nights with your points.

Related: A beginner's guide to visiting Great Smoky Mountains National Park

Seoul, South Korea

I'm biased (all of my extended family lives in South Korea), but I think Seoul is one of the most fascinating destinations in the world. It seems like South Korea has got it figured out — from the food, rich history, great music and nightlife — it's definitely at the top of my list once the country opens back up for visitors.

Traditional Hanok (Korean House)

What Airbnb users love is the number of unique stays you'll find on the platform, and this traditional Korean hanok is no exception. Although it's in the center of a busy city, you'll find a haven here. It can accommodate up to five guests, perfect for a small family vacation. Best of all? It's incredibly affordable at just $86 per night, stretching your sign-up bonus to nine nights here.

Related: How to get to South Korea on points and miles

Atlanta, Georgia

Growing up in the South, I enjoyed my family road trips to Atlanta — a big city vibe with an unbelievable amount of history and culture to uncover. Top attractions include the Martin Luther King, Jr. National Historical Park, the Coca-Cola Factory and the Georgia Aquarium.

Trinity Treehouse

Located under a half-hour drive from downtown Atlanta, retreat into a treehouse that's pretty as a picture. This treehouse offers two full bedrooms (ideal for four guests), exciting both the children and the adults in the group. At $289 per night, the Chase Sapphire Preferred sign-up bonus covers a two-night stay here.

Paris, France

It's not surprising that destinations like Paris (and the whole country of France) that have been closed off to tourists due to the pandemic are at the top of mind when it comes to wanderlust travel. Whether you believe that Paris is the city of love or the city of lights, travelers will soon be reunited with the sights, smells and sounds to discover here.

Artist's loft

This elegant loft is located in the heart of Paris near the Luxembourg Gardens, capturing the Paris aesthetic in one apartment. There's a spiral staircase that leads to another bed upstairs, fitting up to four guests in this stay. Stay here for four nights at the price of $195 per night.

Related: Paris is reopening June 9 – here's how to fly there for just 45,000 miles round-trip

Rio de Janeiro, Brazil

If you love being outdoors, Rio should be on the top of your travel list. Discover beaches and mountains or take a Brazilian Samba class. While Brazil is closed off to tourism right now, there's no reason why you can't daydream about visiting this wonderful country in the coming years.

Retro apartment

This stylish apartment is in an ideal location, steps from the beach and delicious restaurants. It's a perfect place for couples — wake up and enjoy a cup of coffee every morning on the patio. Best of all, it's reasonably priced at $85 per night, giving you the chance to stay here for eight nights.

Bali, Indonesia

When you think of Bali, you can't help but think of paradise. Whether you're looking for a meditation retreat or want to explore the remarkable beaches (why not both?), you're never going to want to leave this island.

Bamboo Hut Village

If you have a large family or like to travel with a group of friends, you should consider booking this entire bamboo hut villa that can accommodate up to eight guests. You'll have your own swimming pool, cabanas and a private garden. The price is reasonable, too — you're looking at $300 per night or two nights by taking advantage of your Chase Sapphire Preferred's sign-up bonus.

Mexico City, Mexico

Skip the tourist destination of Cancun and make your way down to Mexico City. The capital has so much to offer, whether exploring the food scene or the ancient Aztec ruins. Mexico has also been open to tourists, so you could potentially take a visit sooner than you think.

Eclectic Townhouse

This vibrant townhome has recently been renovated and is beautifully decorated. Fitting up to five guests, there's a variety of textures to find and appreciate. Plus, it's the most affordable option on this list. For just $49 per night, you could stay here for up to 16 nights.

Related: 13 things every tourist must eat (and drink) in Mexico City

Cape Town, South Africa

Whether you're a wine connoisseur or interested in being at the heart of wildlife and marine conservation, there is an endless number of experiences in Cape Town. You're at an all-around iconic destination to explore culture and history.

Private Apartment

This Cape Town apartment has one of the most magnificent panoramic views of the Helderberg mountains. Escape from the hustle and bustle of the city (only 15 minutes away) but more than enough to feel immersed in nature. This apartment is the ideal size for two, meaning you can book eight nights as it costs just $96 per night.

Related: 4 reasons why you should visit Cape Town, South Africa

London, United Kingdom

London's calling and this city offers an impressive number of historical and architectural wonders to uncover. You'll cross off all the bucket list items by visiting Big Ben or Buckingham Palace.

Chapel Loft

Located in the Angel district in Central London, you'll not only love the location but the furnishings of this beautiful loft. It comfortably fits four people but can accommodate up to six people if needed. Stay here for three nights at a nightly rate of $213.

Related: Planning on crossing the pond this summer or fall? Here's what award availability to London looks like

Bottom line

The Chase Sapphire Preferred rewards you exactly how you want to travel — even if it means booking an Airbnb over a hotel. This popular card is a must-have in any traveler's wallet, made even more appealing with a tremendous sign-up bonus.

Application link: Chase Sapphire Preferred available with a sign-up bonus of 100,000 bonus points after spending $4,000 in the first three months of account opening.

Find the Best Document Resources to Enhance Productivity and Workflow

AXA Travel Insurance Review Is It Worth The Cost Axa Smart Traveller Insurance

AXA Travel Insurance Review: Is it Worth The Cost?

AXA offers three policy tiers, each of which provides at least 100% trip cancellation and interruption coverage.

Anya Kartashova 10xTravel, Forbes Advisor, FlyerTalk, Fodor’s, MileValue, Reward Expert

Anya Kartashova is a freelance writer and full-time traveler based in Salt Lake City. She has written about travel rewards and personal finance for FrugalTravelGuy, Fodor’s, FlyerTalk, 10xTravel and Reward Expert. Her goal is to visit every country in the world by offsetting the cost with points and miles.

Meg Lee Assigning Editor | Travel, SEO, Travel Loyalty Programs

Megan Lee is a former editor on the travel rewards team at NerdWallet. She had more than 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here’s how we make money.

Table of Contents

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

While offering multiple plans, AXA might not allow as many customizations compared to some competitors.

• Lowest-cost plan includes some medical coverage.
• Pre-existing conditions waiver add-on available for higher-cost plans.
• No add ons are available for Silver-level policyholders.
• CFAR upgrade is only available for highest-cost plan.

In the era of staff shortages and extreme weather, your trip may not go exactly to plan. When that happens, travel insurance can be a big help. Although an insurance policy can’t prevent a delay or cancellation from happening, it can help relieve the financial burden if something unpredictable does occur on your trip.

But how do you know which insurance provider to go with? Here’s a look at AXA travel insurance to help you determine if one of its plans is right for you.

What is AXA?

AXA is a French insurance company that does business in over 200 countries. It offers many different types of insurance, including policies for travelers. These include coverage for baggage loss , trip cancellation and interruption, emergency evacuation and emergency medical costs. Cancel for any reason coverage is also offered.

AXA Assistance USA is part of the AXA Group.

AXA travel insurance plans

AXA Assistance USA offers travelers three insurance plans: Silver, Gold and Platinum. The plans are underwritten by Nationwide Mutual Insurance Company and their affiliates in Columbus, Ohio. Here’s the coverage you can expect from each policy.

Silver: This is the least expensive plan that offers 100% trip cancellation and trip interruption coverage, $25,000 in emergency accident and sickness medical coverage and $100,000 in emergency evacuation and repatriation coverage.

Gold: The mid-range Gold policy comes with 100% trip cancellation and 150% trip interruption coverage, $100,000 in emergency accident and sickness medical coverage and $500,000 in emergency evacuation and repatriation coverage.

Platinum: The AXA Platinum travel insurance plan includes 100% trip cancellation and 150% trip interruption coverage, $250,000 in emergency accident and sickness medical coverage and $1,000,000 in emergency evacuation and repatriation coverage.

If you want to add Cancel For Any Reason coverage, you’ll need to select the Platinum plan and purchase a policy within 14 days of paying the initial trip deposit. It’ll cover 75% of the prepaid nonrefundable expenses for your travel.

If you’d like coverage for pre-existing medical conditions , a waiver is available on the Gold and Platinum plans as long as you buy coverage within 14 days of your first trip payment.

Which AXA travel insurance plan is best for me?

Let’s compare AXA’s plans, the costs and coverage for a 19-day trip to Indonesia that costs $1,500 for a 36-year-old traveler who lives in Utah.

Coverage and limits for the Silver-level plan include:

The plan cost for our sample trip is $55.

For $79, the Gold-level tier offers the following coverage and limits:

Platinum is AXA’s highest tier level. This plan includes:

This level of coverage costs $95.

Can you buy AXA travel insurance online?

To get an AXA travel insurance quote, go to AXATravelInsurance.com and start by inputting your information in the quote box. Enter your state of residence, destination country, trip dates, date of first trip deposit, total trip cost, the number of travelers and their ages.

Once you’ve filled out the form, click on the “Get a quote now” button.

You’ll be presented with three quotes, one for each plan level. Make sure to click on the “See more benefits” link to get more information on each plan’s coverage limits. The plans with the highest coverage limits will be the most expensive.

If you need a pre-existing conditions waiver, select the Gold or Platinum plan. You’ll also have to purchase the plan within 14 days of making your initial trip deposit to be eligible.

The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver . The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.

Overall, if you’re looking for emergency medical and emergency evacuation coverage specifically, the limits are good on all the plans, including the least expensive one.

To compare plans from multiple insurance providers at once, we recommend checking out Squaremouth, a travel insurance comparison site and a NerdWallet partner. The website helps you pick the right plan by displaying multiple quotes from many insurance providers, including AXA, in one spot.

Is AXA legit?

AXA began in the early 19th century as a small insurance company specializing in property and casualty insurance.

Since then, the company has evolved, changing names and acquiring other insurance brands, until it became AXA in the 1980s. It is now one of the largest insurance companies in the world. In other words, yes, AXA is a legitimate travel insurance provider.

What isn’t covered by AXA travel insurance?

Every plan has different exclusions, so it’s important to look at your coverage summary. Generally, pre-existing conditions without a previously purchased waiver are not covered.

Other limitations include:

AXA handles more than 14 million cases each year, and every plan includes access to their 24/7 assistance hotline. The company is well established and has three plans for travelers to choose from.

AXA travel insurance covers several benefits including but not limited to 100% trip cancellation and trip interruption, medical emergencies, emergency evacuations, baggage delay or lost baggage, and accidental death and dismemberment. The Platinum plan also lets you add Cancel For Any Reason coverage.

AXA’s least expensive plan, Silver, and its mid-range Gold policy do not have the option to add-on Cancel For Any Reason coverage. For travelers who opt to purchase the Platinum insurance plan, you can add Cancel For Any Reason coverage a la carte within 14 days of paying the initial trip deposit.

In the event that you need to make a claim, you can upload supporting documents online. If the claim is accepted, you will receive reimbursement within 30 days.

Is AXA travel insurance worth it?

It’s said that travel is the only thing you buy that makes you richer. But you don’t want to become poorer if something goes wrong before or during a trip. We don’t know what the universe has in store for us, so buying a travel insurance policy is one way we can protect our investment.

AXA offers budget, mid-range and premium policies that are easy to understand, provide adequate coverage and don’t cost a fortune.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

You’re following Anya Kartashova Visit your My NerdWallet Settings page to see all the writers you’re following.

Anya is a freelance writer whose work has been published on FrugalTravelGuy, Fodor’s, FlyerTalk, 10xTravel and Reward Expert. See full bio.

on Chase’s website

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Download the app

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

NerdUp by NerdWallet credit card: NerdWallet is not a bank. Bank services provided by Evolve Bank & Trust, member FDIC. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust pursuant to a license from MasterCard International Inc.

Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

NerdWallet Compare, Inc. NMLS ID# 1617539

California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812

Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) Insurance Licenses

NerdWallet™ | 55 Hawthorne St. – 10th Floor, San Francisco, CA 94105

• Already have a WordPress.com account? Log in now.
• Subscribe Subscribed
• Copy shortlink
• Report this content
• View post in Reader
• Manage subscriptions
• Collapse this bar

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

The Busiest Travel Days Around Thanksgiving

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Thanksgiving week draws major airport crowds, so it can be a brutal time to travel. And in 2024, the number of passengers screened in U.S. airports has already reached all-time highs multiple times. Because the Sunday after Thanksgiving is usually the busiest airport day of the entire year, it’s likely the 2024 Thanksgiving week will also break records.

But some days within Thanksgiving week are significantly busier at airports than others. If you can be flexible with scheduling, you’ll save money and avoid chaos.

The best and worst days to fly around Thanksgiving

NerdWallet analyzed checkpoint travel numbers from 2021 to 2023 provided by the Transportation Security Administration, which tracks the number of passengers screened daily at U.S. airport checkpoints.

For the period from the Thursday before to the Thursday after Thanksgiving, the data shows that the Sunday after Thanksgiving is the most crowded day to fly. Meanwhile, the least crowded travel day at airports during that time period is Thanksgiving Day.

Here are the three least-crowded days to travel both before and after Thanksgiving, ranked from least to most crowded. Because they're less crowded and likely less expensive, it makes them some of the best days to fly around Thanksgiving.

Pre-holiday:

Saturday before (least crowded).

Monday before.

Thursday before.

Post-holiday:

Wednesday after (least crowded).

Tuesday after.

Black Friday.

Why flying the Sunday after Thanksgiving is so terrible

The Sunday after Thanksgiving is pretty much the worst day of the year to fly. In 2021, 2022 and 2023 it was the busiest single day of the entire year at U.S. airports, based on TSA passenger data.

Last year, more than 2.9 million people crossed through U.S. airport security checkpoints on the Sunday after Thanksgiving. Compare that to Thanksgiving Day, when just 1.5 million people (slightly more than half of Sunday's figures) were at an airport.

The smarter, cheaper Thanksgiving weekend itinerary

If you work a standard Monday to Friday workweek with two days off for the holiday, then leaving Wednesday after work and flying home on Sunday can make sense. Most people following this schedule to avoid taking extra time off. But this itinerary could cost you more money, because the busiest days to fly are usually the most expensive, too.

So how can you choose a better Thanksgiving travel itinerary to save money? Avoid the Wednesday to Sunday itinerary and try these travel days instead.

Travel on Thanksgiving Day

Across travel days for the week before and after Thanksgiving, Thanksgiving Day was the lowest-traffic day every year in our analysis. Book the first flight out for the day — a practice NerdWallet recommends anyway to reduce your odds of a flight delay — and you might even land in time for Thanksgiving dinner.

Stay longer

Consider extending your trip. The Wednesday after Thanksgiving is, on average, the least busy day to travel post-holiday, among the days we looked at in our analysis. Especially if you can work remotely , you might be able to avoid taking vacation days, despite the longer trip.

Fly on Black Friday

If you must travel during the weekend, consider having Thanksgiving dinner at your own home, then flying somewhere on Black Friday, which is the third-least crowded day to fly on average. Look at it as a great way to not only avoid airport crowds but also retail crowds since you won’t be out shopping.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...