Is Chase Sapphire Reserve in Ultimate Rewards?

You need a credit score of at least 750 for Chase Sapphire Reserve. This means that this card requires excellent credit for approval; the highest tier in the credit score range.

Just bear in mind that you’ll need more than a high credit score to get approved for Chase Sapphire Reserve. Let’s take a look at some of the other essential requirements.... read full answer

Here are Chase Sapphire Reserve’s credit score & other approval requirements:

• Excellent credit score. You might find yourself getting approved with a lower score or denied with a higher one. But a credit score of 750 or higher definitely helps to maximize your chances.
• Eligibility. You must be over 18 years old with a U.S. mailing address and a Social Security number.
• Income. You don’t absolutely need a job, but you must have some kind of income and/or assets to prove to Chase that you have the means to pay for the charges you make.
• As little debt as possible. Chase will weigh your income against your debts to determine how much you can afford to borrow.
• No bankruptcy. You probably won’t be in this situation if you have an excellent credit score. But you won’t get approved while in active bankruptcy and will have a tough time as long as any record of bankruptcy is on your credit report.

So, as you can see, a lot more than just your score goes into approval. But having an excellent credit score is still a very important requirement. If you’re not sure where you stand right now, you can check your latest credit score for free on WalletHub, the only site with free daily updates to your scores and reports.

Ultimately, if you find out that your credit isn't quite up to par, working to improve it can drastically increase your approval chances. For advice on what to do, check out your custom credit analysis.

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.

Chase Ultimate Rewards Transfer Partners

• IHG Rewards Club
• Marriott Bonvoy
• World of Hyatt
• Aer Lingus AerClub
• Air Canada Aeroplan... read full answer
• British Airways Executive Club
• Emirates Skywards
• Flying Blue AIR FRANCE KLM
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines
• Southwest Rapid Rewards
• United MilagePlus
• Virgin Atlantic Flying Club

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.