Credit Cards
Chase Ultimate Rewards
Credit Card Points, run by JPMorgan Chase
Your points move 1:1 to all 14 partners, except World of Hyatt at 1:0.75 on Sapphire Preferred and Ink Business Preferred.
Ratios checked Sep 11, 2026.
Where Your Points Go
Every partner: 1,000-point minimum, in 1,000-point steps. Transfer time: most by next business day; up to 7 business days. Transfers are final. Ratios are as the program states them.
| Partner | Ratio | Also transfers from |
|---|---|---|
| Airlines (10) | ||
| Aer Lingus AerClub | 1:1 | Amex, Bilt, Wells Fargo |
| Air Canada Aeroplan Worth 1.02¢ a point, checked Sep 8 | 1:1 | Amex, Capital One, Bilt, Rove |
| British Airways Club | 1:1 | Amex, Capital One, Bilt, Wells Fargo |
| Flying Blue | 1:1 | Amex, Capital One, Citi, Bilt, Wells Fargo, Rove |
| Iberia Club | 1:1 | Amex, Bilt, Wells Fargo |
| JetBlue TrueBlue Worth 1.34¢ a point, checked Sep 7 | 1:1 | Amex, Capital One, Citi, Wells Fargo, Rove |
| Singapore Airlines KrisFlyer | 1:1 | Amex, Capital One, Citi |
| Southwest Rapid Rewards Worth 1.44¢ a point, checked Sep 8 | 1:1 | Bilt |
| United MileagePlus Worth 1.76¢ a point, checked Sep 8 | 1:1 | Bilt |
| Virgin Atlantic Flying Club | 1:1 | Amex, Citi, Bilt, Rove |
| Hotels (4) | ||
| Wyndham Rewards | 1:1 | Capital One, Citi, Bilt, Wells Fargo |
| IHG One Rewards | 1:1 | Bilt |
| Marriott Bonvoy Last bonus 70% (2026) | 1:1 | Amex, Bilt |
| World of Hyatt | 1:1 4:3 with Sapphire Preferred and Ink Business Preferred, from October 1, 2026 | Bilt |
Airlines (10)
-
Also from Amex, Bilt, Wells Fargo
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Also from Amex, Capital One, Bilt, Rove · Worth 1.02¢ a point, checked Sep 8
-
Also from Amex, Capital One, Bilt, Wells Fargo
- Flying Blue 1:1
Also from Amex, Capital One, Citi, Bilt, Wells Fargo, Rove
- Iberia Club 1:1
Also from Amex, Bilt, Wells Fargo
- JetBlue TrueBlue 1:1
Also from Amex, Capital One, Citi, Wells Fargo, Rove · Worth 1.34¢ a point, checked Sep 7
-
Also from Amex, Capital One, Citi
-
Also from Bilt · Worth 1.44¢ a point, checked Sep 8
-
Also from Bilt · Worth 1.76¢ a point, checked Sep 8
-
Also from Amex, Citi, Bilt, Rove
Hotels (4)
- Wyndham Rewards 1:1
Also from Capital One, Citi, Bilt, Wells Fargo
- IHG One Rewards 1:1
Also from Bilt
- Marriott Bonvoy 1:1
Also from Amex, Bilt
Last bonus 70% (2026)
- World of Hyatt 1:14:3 with Sapphire Preferred and Ink Business Preferred, from October 1, 2026
Also from Bilt
How to Earn Chase Ultimate Rewards
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Chase Sapphire Preferred 5x per $1 on Chase Travel purchases and qualifying Lyft rides (through September 30, 2027) | 5x per $1 on Peloton equipment and accessory purchases over $150 (through December 31, 2027) | 3x per $1 on dining, select streaming services, and online grocery | 2x per $1 on travel purchases | 1x per $1 on all other purchases -
Chase Sapphire Reserve® 8x per $1 on all purchases through Chase Travel, including The Edit | 5x per $1 on Lyft rides (through September 30, 2027) | 4x per $1 on flights booked direct | 4x per $1 on hotels booked direct | 3x per $1 on dining worldwide | 1x per $1 on all other purchases -
Sapphire Reserve for Business 8x per $1 on all purchases through Chase Travel | 5x total points per $1 on Lyft rides (through September 30, 2027) | 4x per $1 on flights and hotels booked directly | 3x per $1 on social media and search engine advertising | 1x per $1 on all other purchases -
Ink Business Preferred® Credit Card 5x total points on Lyft rides through September 30, 2027 | 3x per $1 on the first $150,000 spent in combined purchases each account anniversary year on shipping, advertising with social media sites and search engines, internet, cable, phone services, and travel | 1x per $1 on all other purchases -
Chase Freedom Unlimited® Credit Card 5% cash back on travel purchased through Chase Travel | 3% cash back on drugstore purchases and dining at restaurants | 1.5% on all other purchases -
Chase Freedom Flex® 5% per $1 on up to $1,500 in combined purchases in bonus categories that rotate quarterly | 5% per $1 on travel purchased through Chase Travel | 3% per $1 on drugstores and dining at restaurants | 1% per $1 on all other purchases -
Chase Freedom Rise® Credit Card 1.5% cash back on all purchases -
Ink Business Cash® Credit Card 5% cash back per $1 on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year | 5% total cash back on Lyft rides through September 30, 2027 | 2% cash back per $1 on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year | 1% cash back per $1 on all other purchases -
Ink Business Unlimited® Credit Card 5% cash-back per $1 on Lyft rides through September 30, 2027 | 1.5% unlimited cash-back per $1 on all purchases -
Ink Business Premier® Credit Card 5% cash back per $1 on travel purchased through Chase Travel | 5% total cash back on Lyft rides through September 30, 2027 | 2.5% cash back per $1 on every purchase of $5,000 or more | 2% cash back per $1 on all other purchases
Lounge Access
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