There are lots of explanation why Chase Ultimate Rewards factors are one of the crucial standard transferable rewards currencies. Most noteworthy, this system provides an array of useful airline and hotel transfer partners. Utilizing Chase’s switch companions may help you maximize your factors and acquire a worth of nicely over 2 cents per level.
Plus, even when you resolve to not switch your factors to considered one of Chase’s 14 companions, you possibly can redeem your factors for flights, resort stays and extra at a set charge between 1 and 1.5 cents per level via the Chase Travel℠ portal, relying on the Chase card in your pockets.
And when you’re seeking to earn a ton of Chase factors, the Chase Sapphire Preferred® Card (see rates and fees) is at the moment providing a highest-ever 100,000-point welcome bonus after you spend $5,000 on purchases inside the first three months of account opening. With a big sum of Chase factors in your account, you can begin planning your subsequent getaway and saving your self lots of, if not 1000’s, of {dollars} on resort bills. Nevertheless, there are specific ideas and tips that will help you maximize your factors on a resort keep.
Preserve studying to search out out useful methods to redeem your Final Rewards factors towards your subsequent resort keep.
Supply alert: Add 100,000 Final Rewards factors to your steadiness with this limited-time provide on the Chase Sapphire Preferred.
Who’re Chase’s resort companions?
You possibly can switch your Final Rewards factors on a 1:1 foundation to Chase’s three resort companions, permitting you to redeem factors for resort stays via these packages:
It’s also possible to e-book nearly any resort worldwide utilizing Final Rewards factors via the Chase Journey portal.
Transferring Chase Final Rewards factors to World of Hyatt
Chase’s secret maximization weapon is the profitable World of Hyatt loyalty program, a 1:1 switch companion. To redeem Chase Final Rewards factors for Hyatt resort stays, all you need to do is enter your World of Hyatt info into your Chase Final Rewards account and transfer the points you need to your Hyatt account. Transfers are often immediate, permitting you to e-book your Hyatt stick with factors nearly instantly.
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Whereas most recommendation about redeeming versatile factors for optimum worth facilities round airline switch companions, Hyatt’s very affordable award chart is a compelling exception. You may discover sweet-spot redemptions at each the higher and decrease ends of the chart, with award charges beginning at simply 3,500 factors per night time for Category 1 properties on off-peak dates.
| Lodge class | Off-peak factors per night time | Commonplace factors per night time | Peak factors per night time |
|---|---|---|---|
| 1 | 3,500 | 5,000 | 6,500 |
| 2 | 6,500 | 8,000 | 9,500 |
| 3 | 9,000 | 12,000 | 15,000 |
| 4 | 12,000 | 15,000 | 18,000 |
| 5 | 17,000 | 20,000 | 23,000 |
| 6 | 21,000 | 25,000 | 29,000 |
| 7 | 25,000 | 30,000 | 35,000 |
| 8 | 35,000 | 40,000 | 45,000 |
To place these numbers into extra concrete phrases, the Chase Sapphire Preferred‘s 100,000-point welcome bonus can be sufficient to e-book 4 nights at a Class 6 resort just like the Hyatt Regency Maui Resort and Spa on normal dates or 4 nights at an opulent Class 7 property just like the Park Hyatt Maldives Hadahaa on off-peak dates.
Class 7 resorts are an excellent choice for Chase Hyatt redemptions; you possibly can usually get nicely above TPG’s April 2025 valuation of 1.7 cents apiece at these properties. Whereas the award chart above has a better tier (Class 8), these properties require a big premium over Class 7 resorts. These further 10,000 factors per night time will not be price it.
Lastly, it is price contemplating the 700-plus boutique and luxury hotels from Mr & Mrs Smith which have now been built-in into the World of Hyatt program. As a substitute of utilizing Hyatt’s award chart, Mr & Mrs Smith properties are dynamically priced and can’t be booked with free night time certificates. This makes it tougher to maximise the worth of your factors, however there should be some worthwhile redemptions to be discovered, particularly in case you have your eye on an ultraluxurious property that will be out of attain with money.
Associated: Best Hyatt hotels in the world
Transferring Chase Final Rewards factors to Marriott Bonvoy
Sadly, not all of Chase’s resort companions are as helpful for redeeming Final Rewards factors.
Marriott Bonvoy did away with its award chart in 2022, leading to a lot greater (arguably inflated) redemption charges. Whereas essentially the most you’d ever pay for an evening at a top-tier Hyatt property is 45,000 factors, Marriott’s new dynamic pricing mannequin means there aren’t any limits to what number of factors a resort can value. Actually, six-figure redemptions should not unusual.
Usually talking, transferring Chase Final Rewards factors to Marriott presents a big loss in worth. TPG values Chase factors at 2.05 cents every, in line with our April 2025 estimates, in comparison with solely 0.7 cents every for Marriott factors — however you possibly can quit much more worth. For instance, fundamental rooms at Marriott’s Courtyard Bali Seminyak Resort go for round $200 or 31,000 factors per night time. As a substitute, you possibly can use 35,000 Chase factors to e-book a peak night time on the Class 7 Park Hyatt Maldives Hadahaa, price $800 or extra.
So, do you have to ever switch Chase factors to Marriott Bonvoy? Listed here are a couple of eventualities the place it would make sense:
- In case you have a Marriott redemption in thoughts however are quick a couple of factors, it’s possible you’ll need to high up your account by transferring factors from Chase Final Rewards.
- In case your Marriott points are set to expire, transferring 1,000 Final Rewards factors is a fast strategy to hold them alive.
- If Chase is operating a transfer bonus, you possibly can switch factors to Marriott Bonvoy at a greater ratio and use them towards a useful Marriott redemption.
- Marriott’s “Keep for five, Pay for 4” provide lets members book a free award night on stays of 5 consecutive nights or longer. This perk can prevent tens of 1000’s of factors.
- Marriott factors are extremely versatile past resort bookings. That is as a result of Marriott is amongst a small variety of switch companions for some packages with useful however hard-to-earn airline miles, similar to Alaska Airlines Mileage Plan and Japan Airlines Mileage Financial institution. Do not forget that Marriott factors switch at a 3:1 ratio to airline companions (plus a 5,000-mile bonus for each 60,000 factors transferred), so you will be shedding much more worth. Nonetheless, it would make sense when you’re simply shy of the factors wanted to e-book one of these sweet spots.
Associated: Ways to maximize Marriott Bonvoy award night redemptions
Transferring Chase Final Rewards factors to IHG One Rewards
For all the explanations that transferring Final Rewards factors to Marriott is unhealthy, transferring to the IHG One Rewards program might be even worse. IHG’s award pricing is much more inflated than Marriott’s, which means the identical variety of factors will not get you as far.
Like Marriott, IHG One Rewards would not publish a full award chart. To verify award charges, seek for your particular dates and see what number of factors you want.
Take the Vacation Inn Specific Columbus — Ohio Expo Middle. You possibly can reserve an ordinary room for 31,000 IHG One Rewards factors.
TPG values 31,000 Chase factors at $635.50, however the money charge for this room is simply $162. In different phrases, the worth you will get in your Chase factors is much under common.
Nevertheless, it’s possible you’ll discover worth in transferring Chase factors to IHG to maintain IHG factors from expiring or when you’re simply wanting a redemption — particularly in case you have entry to the fourth-night-free perk supplied by choose IHG credit cards. In any other case, it is nearly at all times a nasty thought.
Associated: IHG elite status: What it is and how to earn it
Redeeming Chase Final Rewards factors through the Chase Journey portal
Should you’re a free-agent traveler and never loyal to a single resort chain, you may discover the most effective use of your Chase factors is thru the Chase Journey portal. This lets you redeem Chase Final Rewards factors for a lot of independent hotels that will in any other case not be bookable with factors.
As a substitute of paying with money in your resort keep, you will have the choice to pay with factors at a set charge that varies relying on which card you maintain:
As you possibly can see, you will get essentially the most worth via Chase Journey with a card that earns Chase Final Rewards factors. For instance, let’s return to our $162 Vacation Inn Specific Columbus keep. Should you held the Chase Sapphire Reserve, this keep would value solely 10,800 Chase factors — in comparison with 31,000 factors when you transferred them to IHG to e-book the keep.
Alternatively, you possibly can e-book paid stays via the Chase Journey portal and earn bonus rewards on these purchases. The Chase Sapphire Reserve earns 10 factors per greenback spent on resorts bought via Chase Journey, whereas the Chase Sapphire Most well-liked, the Chase Freedom Flex and the Chase Freedom Limitless earn 5 factors per greenback (or 5% money again). This additionally would will let you benefit from the Sapphire Most well-liked’s annual $50 hotel credit that’s solely legitimate on Chase Journey bookings.
Understand that since Chase Journey is a third-party on-line journey company, you typically will not earn resort factors or elite night time credit on these bookings or be capable to entry any elite standing advantages you could have. The exception is The Edit by Chase Travel, which lets you double-dip with the hotel’s loyalty program at some properties.
Associated: Things to consider when choosing to book via a portal vs. booking directly
How do I earn Chase Final Rewards factors?
You possibly can earn Final Rewards factors by spending on choose Chase credit cards. Listed here are the playing cards that earn Final Rewards factors, together with their present welcome bonuses:
- Chase Sapphire Preferred: Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening.
- Chase Sapphire Reserve: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
- Ink Business Preferred: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
The above Final Rewards-earning choices are nice all-around travel credit cards, providing no overseas transaction charges, journey insurance coverage and a wide range of different journey perks.
The next 4 playing cards are technically billed as cash-back credit cards. Nevertheless, in case you have an Final Rewards-earning card, you possibly can successfully convert your cash-back rewards into Final Rewards factors. For that reason, it may make sense to have more than one Chase card to maximise your incomes and redeeming potential.
Even higher? None of those playing cards cost an annual payment.
- Chase Freedom Flex: Earn $200 after spending $500 on purchases within the first three months from account opening.
- Chase Freedom Unlimited: Earn $250 after spending $500 on purchases within the first three months from account opening.
- Ink Business Cash Credit Card: Earn as much as $750: $350 bonus money again after spending $3,000 on purchases within the first three months and a further $400 after spending $6,000 on purchases within the first six months from account opening.
- Ink Business Unlimited Credit Card: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Backside line
Among the best makes use of of Chase Final Rewards factors is transferring them to Hyatt and redeeming them at low-category or high-end hotels. Exterior of that, given the excessive award charges of Marriott Bonvoy and IHG One Rewards, you may be higher off redeeming your Chase Final Rewards factors for boutique and unbiased resorts on the Chase Journey portal.
So, is it ever price transferring Chase factors to IHG One Rewards or Marriott Bonvoy for a resort redemption? If there is a switch bonus otherwise you’re simply attempting to high up your account for a selected redemption, there are circumstances the place it is sensible. Simply make sure to crunch the numbers to keep away from giving up useful Chase factors for subpar returns.
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