Feb 14, 2017, 7:47 am
Last edit by: beltway
This thread is for discussing the mechanics of points transfer: qualifying Chase cards, eligible partners, and typical speed of transfer. For advice on which partner to transfer to for a given travel goal, see Ultimate Rewards - Which airline/hotel should I transfer points to? and the master threads compiled there.
Holders of non-premium Chase UR cards,
Q. What airline or hotel programs can I transfer UR points into?
A. UR points may be transferred at no charge to these airline programs at a 1:1 exchange rate:
ONEWORLD
Transfers to Amtrak were previously available, but ended permanently on December 8, 2015. See Announcement regarding Chase Ultimate Rewards.
Q. Are transfers instant?
A. In many cases, yes, although transfers to at least one partner (Marriott) may take several days. A summary:
Q: After I transfer, when will my miles expire at that airline/hotel program? Is there anything I can do to avoid expiration there?
The Miles/Points that Do and Don't Expire wiki now lists all of the above Chase UR airline/hotel transfer partners and their respective expiration policies.
Q. Can I transfer to another person's airline or hotel program account?
A. Ultimate Rewards rules explicitly permit transfers to a spouse or domestic partner's frequent traveler account, and prohibit all other transfers. On November 13, 2015, Chase announced the further complication (and perhaps additional restriction) that effective November 15, 2015, as a holder of a UR-earning business card "you can only transfer points to yourself or an owner of the company who is listed as an authorized user on your card account." For discussion of this policy statement and its impacts, see this thread.
Transferring UR points from one household member to another's FF account:
If, for instance, you'd like to transfer UR points from your spouse to your United Airlines account, here are the rules: To transfer directly from [her] UR account to your UA account you would have to be members of the same household -and- you would have to be an Authorized User on [her] Chase card account.
Points can only be transferred to yourself, or one additional household member who is listed as an authorized user on your card account. Once you transfer points to an authorized user, that person will be the only authorized user on your account eligible to receive point transfers.
Combining UR point accounts: To combine points from a UR account with your UR account you would have to be members of the same household. Here are the rules:
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account and you'll lose all your points.
Q. I heard that Chase has closed accounts for unauthorized transfers. What's the story?
A. Those reports involve sharing (aka combining) points from one Ultimate Rewards account to another Ultimate Rewards account. Ultimate Rewards rules explicitly permit combining points with a spouse's or domestic partner's UR account, and prohibit all other internal sharing of UR points. See this thread:
Chase closed my Sapphire Preferred account due to transfers to other UR accounts.
Credit card and rewards accounts may also be closed if Chase decides to close your personal or business bank accounts for any reason.
For the pre-2017 version of this thread, go here.
Q. Can I transfer UR points to airline/hotel programs?
A. Yes, but only from a UR account tied to one of the following premium (i.e., fee-based) Chase cards:
Q. Can I transfer UR points to airline/hotel programs?
A. Yes, but only from a UR account tied to one of the following premium (i.e., fee-based) Chase cards:
- Sapphire Reserve
- Sapphire Preferred
- JP Morgan Reserve
- JP Morgan Palladium (discontinued)
- JP Morgan Select (discontinued)
- INK Preferred
- INK Plus (discontinued)
- INK Bold (discontinued)
Holders of non-premium Chase UR cards,
- Freedom
- Freedom Unlimited
- Freedom Flex
- Sapphire (discontinued; different from Sapphire Preferred)
- INK Cash
- INK Classic (discontinued)
- INK Unlimited
Q. What airline or hotel programs can I transfer UR points into?
A. UR points may be transferred at no charge to these airline programs at a 1:1 exchange rate:
ONEWORLD
- British Airways Executive Club (BA)
- Iberia (IB)
- Flying Blue (Air France/KLM) (AF)
- Virgin Atlantic Flying Club (VS)
- Singapore Airlines KrisFlyer (SQ)
- United Airlines MileagePlus (UA)
- Air Canada Aeroplan (AC)
- Chase Aeroplan credit cardmembers get a 10% transfer bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction from an eligible Chase credit card to their Aeroplan account. Maximum of 25,000 bonus points per calendar year. This offer was previously scheduled to end on 12/31/23, but has now been made permanent.
- 20% bonus on transfers ended Jan. 15, 2024
- Aer Lingus (EI)
- Emirates Skywards (EK)
- JetBlue (B6) - 25% bonus on transfers ended on Jan. 10, 2024
- Southwest Rapid Rewards (WN)
- IHG Rewards Club - 60% bonus on transfers through March 1, 2024
- Marriott Bonvoy
- World of Hyatt
Transfers to Amtrak were previously available, but ended permanently on December 8, 2015. See Announcement regarding Chase Ultimate Rewards.
Q. Are transfers instant?
A. In many cases, yes, although transfers to at least one partner (Marriott) may take several days. A summary:
- AC: Variable. Generally posts instantly (as noted in this July 2023 post). On the other hand, a report from August 2021 indicated a delay of 72-96 hours and a June 2023 post reflects a delay of roughly 30 hours.
- BA: usually Instant
- SQ: "Most Singapore Airlines KrisFlyer point transfers process within 2 business days." Several reports suggest it takes 24-48 hours, although there appears to be a lot of variation.
Post #128 reports 7 business days; post #214 reports a turnaround of 2hrs 15mins. NOV 2017 - 24 hours - WN: Normally Instant but see posts starting at #451 about delays
- UA: Normally instant, but see this thread: UR to United transfer is not reliably instant
- AF: Instant
- VS: Instant.
- Hyatt: Occurs within a minute or less (numerous reports)
- IHG:
One business day.Instant on 10/30/19. Instant on 9 March 2022. - Marriott: Transfers "will process by the next business day"; actual experience is approx. 2 business days
- Ritz:
Q: After I transfer, when will my miles expire at that airline/hotel program? Is there anything I can do to avoid expiration there?
The Miles/Points that Do and Don't Expire wiki now lists all of the above Chase UR airline/hotel transfer partners and their respective expiration policies.
Q. Can I transfer to another person's airline or hotel program account?
A. Ultimate Rewards rules explicitly permit transfers to a spouse or domestic partner's frequent traveler account, and prohibit all other transfers. On November 13, 2015, Chase announced the further complication (and perhaps additional restriction) that effective November 15, 2015, as a holder of a UR-earning business card "you can only transfer points to yourself or an owner of the company who is listed as an authorized user on your card account." For discussion of this policy statement and its impacts, see this thread.
Transferring UR points from one household member to another's FF account:
If, for instance, you'd like to transfer UR points from your spouse to your United Airlines account, here are the rules: To transfer directly from [her] UR account to your UA account you would have to be members of the same household -and- you would have to be an Authorized User on [her] Chase card account.
Points can only be transferred to yourself, or one additional household member who is listed as an authorized user on your card account. Once you transfer points to an authorized user, that person will be the only authorized user on your account eligible to receive point transfers.
Combining UR point accounts: To combine points from a UR account with your UR account you would have to be members of the same household. Here are the rules:
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account and you'll lose all your points.
Q. I heard that Chase has closed accounts for unauthorized transfers. What's the story?
A. Those reports involve sharing (aka combining) points from one Ultimate Rewards account to another Ultimate Rewards account. Ultimate Rewards rules explicitly permit combining points with a spouse's or domestic partner's UR account, and prohibit all other internal sharing of UR points. See this thread:
Chase closed my Sapphire Preferred account due to transfers to other UR accounts.
Credit card and rewards accounts may also be closed if Chase decides to close your personal or business bank accounts for any reason.
Ultimate Rewards - Airline and Hotel Transfer Partners, Rules, Timelines, (2017 on)
May 27, 2017, 8:35 am
#76
Join Date: Jul 2003
Location: Doha, Qatar
Programs: TK Gold, Etihad Gold, Hyatt Diamond, Hilton Gold, IHG Gold.
Posts: 798
Hi All,
I transferred to SQ on May 23rd and am still waiting. Chase just states can take up to 7 days; but normally takes 1 day. They cannot explain anything other than it is in process....
Cheers,
Timo
I transferred to SQ on May 23rd and am still waiting. Chase just states can take up to 7 days; but normally takes 1 day. They cannot explain anything other than it is in process....
Cheers,
Timo
May 27, 2017, 9:55 am
#78
Join Date: Dec 2004
Posts: 7,895
Jun 14, 2017, 8:24 am
#79
Join Date: Jan 2016
Posts: 479
Two UR accounts to one UAL MP account?
Hi Gang,
Was looking to see if it's possible to set up girlfriend's Chase UR account to transfer to my United MileagePlus account. She has never used her points ever. My Chase UR account is already set up to transfer to my UAL MP account. For what it's worth we have separate addresses and names.
Thanks!
Was looking to see if it's possible to set up girlfriend's Chase UR account to transfer to my United MileagePlus account. She has never used her points ever. My Chase UR account is already set up to transfer to my UAL MP account. For what it's worth we have separate addresses and names.
Thanks!
Jun 14, 2017, 9:11 am
#80
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
To transfer directly from her UR account to your UA account you would have to be members of the same household -and- you would have to be an Authorized User on her Chase card account.
To combine points from her UR account with your UR account you would have to be members of the same household:
Points can only be transferred to yourself, or one additional household member who is listed as an authorized user on your card account. Once you transfer points to an authorized user, that person will be the only authorized user on your account eligible to receive point transfers.
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account and you'll lose all your points.
Jun 23, 2017, 12:57 pm
#81
Join Date: Jun 2001
Location: Brattleboro, VT
Posts: 706
Chase messes up: I can't transfer UR Points to Marriott
Called Sapphire reserve on Monday to transfer 20000 UR pts. to Marriott which would then be transferred to SPG for one free night at St. Regis Rome (availability showing). I gave my Marriott number to the CSR twice and she fumbled it and unbeknownst to me put in the wrong number. It turns out the Chase computer system only allows for 1 change of membership number per year. Right now the Chase system shows the incorrect number so no points can be transferred
The upshot is that this problem has been transferred to the marketing department and it will be 7-10 business days before it can be fixed according to Chase. Obviously this unacceptable. By the time this is resolved the room will probably be long gone.
Any idea on how I can escalate this? I've already gone to the first level supervisor to no avail.
The upshot is that this problem has been transferred to the marketing department and it will be 7-10 business days before it can be fixed according to Chase. Obviously this unacceptable. By the time this is resolved the room will probably be long gone.
Any idea on how I can escalate this? I've already gone to the first level supervisor to no avail.
Jun 23, 2017, 1:50 pm
#82
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
Called Sapphire reserve on Monday to transfer 20000 UR pts. to Marriott which would then be transferred to SPG for one free night at St. Regis Rome (availability showing). I gave my Marriott number to the CSR twice and she fumbled it and unbeknownst to me put in the wrong number. It turns out the Chase computer system only allows for 1 change of membership number per year. Right now the Chase system shows the incorrect number so no points can be transferred
The upshot is that this problem has been transferred to the marketing department and it will be 7-10 business days before it can be fixed according to Chase. Obviously this unacceptable. By the time this is resolved the room will probably be long gone.
Any idea on how I can escalate this? I've already gone to the first level supervisor to no avail.
The upshot is that this problem has been transferred to the marketing department and it will be 7-10 business days before it can be fixed according to Chase. Obviously this unacceptable. By the time this is resolved the room will probably be long gone.
Any idea on how I can escalate this? I've already gone to the first level supervisor to no avail.
Curiously, why would you not do the transfer online yourself?
Jun 23, 2017, 2:13 pm
#83
Join Date: Jun 2001
Location: Brattleboro, VT
Posts: 706
Jun 24, 2017, 5:43 pm
#84
Join Date: Feb 1999
Location: T82
Programs: AA Gold, HH Gold
Posts: 2,845
I just transferred points from my husbands UR account to my separate UR account (and from there I transferred to my Hyatt account, so I'm sure it would work with United. There is a little button in the upper right corner on the UR website that says "Combine points" and from there you can enter your wife's Ink cc number and then it is listed as a transfer "partner".
Jun 25, 2017, 11:27 am
#85
Join Date: May 2016
Programs: United Platinum, Hilton Diamond, Marriott Gold, SPG Gold
Posts: 72
I know that a Sapphire Preferred/Reserve or an Ink Plus/Preferred is required to transfer UR points to a Chase travel partner. However, can you transfer points from your UR account to a partner's UR account if you do not have one of those cards? Thanks!
Last edited by KAFlyer; Jun 25, 2017 at 12:14 pm
Jun 25, 2017, 7:27 pm
#86
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account and you'll lose all your points.
Jun 30, 2017, 10:32 am
#90
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
The rules are slightly different for INK (business) cards.
I assume the rules for transferring to airline/hotel programs from a business account include similar wording, but I do not currently hold a qualifying INK card to copy and paste the language. Anyone who has INK Bold, Plus or Preferred could find it.
I don't think we have information about the evidence of business ownership that Chase accepts.
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household or owner of the company, as applicable. If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account and you'll lose all your points.
I don't think we have information about the evidence of business ownership that Chase accepts.
