Redeem Points Through Ultimate Rewards. You can book flights on pretty much any major airline directly through the Ultimate Rewards website. This option allows you to charge part of the flight to your card if you don't have enough points to cover the full fare.
Transfer Points to a Travel Partner. A majority of Chase's travel rewards partners are airlines. So, if you belong to one of their loyalty programs, you can transfer your Ultimate Rewards points to that program and combine them with the miles/points already in that account for redemption. Transfers are done at a 1:1 ratio.
Get Cash Back. You can always redeem your Chase Sapphire points for a statement credit and use the savings to pay for your plane ticket, wherever you book it. Bear in mind that you need at least 2,000 points to redeem for cash. Plus, your points are worth 25%-50% more, depending on the card, when redeemed for travel through Chase Ultimate Rewards.
Simply Pay with Your Sapphire Card. The most obvious of your options doesn't really involve rewards, but it's nevertheless worth noting that all Chase Sapphire cards can be used to purchase airfare directly from airlines, travel-comparison sites, etc. Besides, paying for a plane ticket could help you reach either of the Sapphire cards' initial spending requirements, thereby earning you a lucrative initial bonus.
Keep in mind that how much you get for transferred points depends on how much the particular travel partner’s points or miles are worth. This offers a certain amount of boom-or-bust potential. Your Chase Sapphire credit card points could wind up being worth a lot more than normal or a lot less.
There are 14 Chase Ultimate Rewards transfer partners, including 11 airlines and 3 hotels. Some of the most popular Chase Ultimate Rewards transfer partners are United Airlines, Southwest Airlines, Hyatt, Marriott and IHG.
Key Things to Know About Transferring Ultimate Rewards Points
Transfers to Chase Ultimate Rewards partners are done at a 1:1 ratio, meaning you get one point or mile in a partner’s program for each Chase point. But that doesn’t mean your points will be worth the same amount after you transfer them to one of the Ultimate Rewards transfer partners. The value of hotel points and airline miles can vary a lot. You may also have to deal with blackout dates and seating while navigating the Chase Ultimate Rewards transfer partners.
Ultimate Rewards points transfer instantly into nearly all partner loyalty accounts. In some cases, such as with Marriott Bonvoy, transfers may take up to 2 business days. In addition, all transfers to Chase Ultimate Rewards partners are irreversible. Once you transfer your Ultimate Rewards points, you are subject to the rules, fees and redemption policies of the partner’s program.
It’s also worth pointing out that not all Chase credit cards are eligible for point transfers. You can check out the cards that qualify below.
Chase Credit Cards that Allow You to Transfer Ultimate Rewards Points
If you have one of these cards, you can transfer your rewards points to a partner’s loyalty program. You can do so to pool them with points or miles already there, as well as to redeem them for a flight or hotel reservation with the partner.
How to Decide When It’s a Good Idea to Transfer Ultimate Rewards Points
If you’re already a member of an airline or hotel loyalty program, transferring Chase Ultimate Rewards points can help you save on bookings that you’d make anyway as well as help you reach elite status. Depending on the transfer value, though, you may find booking directly through Chase can actually maximize the value of your points.
On the other hand, some flights or hotel stays will cost more through Chase’s portal than directly with the transfer partner. So, it can be worth taking the extra step to compare all your options.
No, Chase Sapphire reward points do not expire as as your account remains open. But you will lose whatever points you haven’t redeemed when you close your Chase Sapphire® Card, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® credit card account. The same is true if Chase decides to close the account for you. That generally happens when you don’t pay the bill, but there are other situations, too. So, I’ll give you the full list.… read full answer
Here’s how you could lose unredeemed Chase Sapphire reward points:
Fail to pay the minimum required amount for a few months.
File for bankruptcy.
Misuse the rewards program. This includes farming points by buying gift cards, selling them for cash and using the cash to pay your credit card bill, for example.
Defrauding Chase by, for example, intentionally providing false personal information.
Close your account.
So, careful planning and prompt payments will save your Sapphire reward points from expiration. But the fact that your points won’t vanish as long as your account remains open and in good standing doesn’t mean they’ll always be worth as much as they are now. There’s always the chance that Chase will devalue them by increasing the number needed for redemption.
Frequent redemption minimizes the risk. And there’s no reason to wait, considering that you can pay for part of a travel expense with points and put the rest on your card like a normal charge. So, it’s best to use any points you’ve accumulated each time you travel.
But if you feel too limited by having to book travel through Chase, you can always go for a top rewards card that allows you to make your arrangements anywhere. You can check out our editors' latest picks for the best travel credit cards in the market.
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