Chase Final Rewards factors are the forex of most Chase-branded bank cards. You possibly can earn Chase Final Rewards factors for on a regular basis spending after which redeem them for a variety of rewards.
Regardless of rising competitors from American Categorical Membership Rewards factors, Citi ThankYou Rewards factors, Bilt Rewards factors, Wells Fargo Rewards factors and Capital One miles, Chase factors have maintained their place as some of the worthwhile and helpful rewards currencies — particularly with worthwhile rewards playing cards just like the Chase Sapphire Most well-liked® Card (see charges and charges) and the not too long ago refreshed Chase Sapphire Reserve® (see charges and charges).
Transferring Final Rewards factors to journey companions is commonly essentially the most worthwhile method to redeem your hard-earned rewards. With 14 totally different switch companions, you might have loads of choices.
Right here is all the things to learn about Chase Final Rewards’ switch companions.
Chase Sapphire Reserve® — Earn 100,000 bonus factors plus a $500 Chase Journey℠ credit score after spending $5,000 on purchases within the first three months from account opening (see charges and charges).
Who’re the Chase Final Rewards switch companions?
You possibly can switch Final Rewards factors to 11 airline packages:
Chase additionally companions with three resort packages:
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All switch ratios are 1:1 — although there are occasional switch bonuses — and you should switch factors in 1,000-point increments.
How lengthy do Chase Final Rewards transfers take?
Notice that switch bonuses may also be inconsistent. For instance, when TPG’s senior editorial director Nick Ewen transferred factors to Aeroplan to benefit from a 20% bonus (on the time), the bottom factors arrived instantly, however the bonus factors took three days to publish to his account.
Whereas most transfers by the Chase portal needs to be instantaneous, delays can occur when transferring your factors. Prior to now eight months, TPG bank card author Danyal Ahmed has had various switch occasions for Aeroplan, starting from on the spot to 2 hours.
To assist with the switch course of, make it possible for the identify in your Final Rewards account matches that in your loyalty program account. Moreover, ensure you have signed up with a loyalty program upfront, as a brand new account can also trigger a delay.
How do I switch Chase Final Rewards factors to companions?
You possibly can simply switch Chase factors on-line. First, log in to your Chase account and navigate to the Final Rewards portal. Underneath the “Journey” drop-down, choose “Switch factors to companions” to entry the principle switch web page.
You’ll then see the record of switch companions and any present switch bonuses. Choose your required switch accomplice, hyperlink your exterior account if in case you have not already completed so, choose the variety of Final Rewards factors you want to switch after which submit the switch.
Keep in mind, Final Rewards transfers can’t be reversed, so it is best to attend till you might have a particular redemption you need to make earlier than transferring them.
Associated: Fast Factors: Bank card factors transfers to airline and resort accomplice packages can’t be reversed
What are the most effective Chase Final Rewards switch companions?
When you choose to switch your factors to one of many 11 totally different airline program companions, the most effective redemption choices for you may range, relying on elements equivalent to which airways fly to and from the locations you want to go to and which airways you prefer to journey aboard.
Nevertheless, there are notable candy spots with sure airline switch choices, particularly these packages which have retained award charts.
Listed here are a few of our favourite flights to e book utilizing Chase factors.
Ebook a round-trip flight to Madrid utilizing Membership Iberia Plus
Flying from the U.S. to Spain would not should set you again hundreds of {dollars}. Actually, a notable redemption choice is utilizing Membership Iberia Plus to fly round-trip to Madrid for as little as 32,000 factors.
Spherical-trip, off-peak flights from New York’s John F. Kennedy Worldwide Airport (JFK) and Boston Logan Worldwide Airport (BOS) to Spain’s capital will solely set you again 50,000 Avios in economic system, 59,000 in premium economic system or 81,000 in enterprise class while you switch your Chase factors to Membership Iberia Plus.
Contemplating that the majority airways cost a minimum of 60,000 miles for a one-way business-class award to Europe, you are primarily getting a 50% low cost.
Ebook flights to Hawaii with British Airways
Do you know which you could e book American Airways and Alaska Airways flights with Chase factors? Although the carriers will not be direct switch companions of Chase, you may e book flights on these carriers by transferring your Final Rewards factors to British Airways. You possibly can then e book awards with fellow Oneworld companions American Airways and Alaska Airways.
So long as your nonstop flight distance is beneath 3,000 miles every manner (and saver-level award house is accessible), you may leverage British Airways’ distance-based award chart to fly from any West Coast gateway to Hawaii for 40,000 Avios round-trip.
Fly first-class to Japan by reserving ANA flights by Virgin Atlantic
Is a visit to Japan in your bucket record? Nicely, for 145,000 Virgin Atlantic Flying Membership factors, you may fly round-trip in firstclass on All Nippon Airways between the West Coast and Tokyo. Flights from the East Coast to Tokyo will price 170,000 factors round-trip.
Enterprise-class redemptions are an excellent higher deal, costing simply 105,000 to 120,000 factors round-trip, relying in your U.S. departure airport. If attainable, you may need to route by JFK and fly ANA’s industry-leading “The Room” enterprise class, which is simply out there on choose routes.
Nevertheless, observe that availability will be tough to return by.
Ebook lie-flat business-class seats to London with Virgin Atlantic
Is London calling? Although Virgin Atlantic Flying Membership costs its award seats dynamically, the loyalty program presents Saver fares for low-demand journey dates. Subsequently, for those who’re versatile and are available throughout availability, you may rating lie-flat business-class seats from JFK to London’s Heathrow Airport (LHR) for as little as 29,000 factors.
When you’re seeking to be extra thrifty along with your hard-earned reward factors, you may fly the very same route in economic system for as little as 6,000 factors. You’ll want to use Virgin’s reward seat checker to search out Saver fares or an award reserving platform like Seats.aero that can assist you search dates and costs.
Associated: Virgin Atlantic Flying Membership dynamic pricing is now stay: Main takeaways from this system adjustments
Keep at a top-tier Hyatt resort
Apart from transferring your Chase factors to airline companions to maximise their worth, I additionally suggest reserving stays with World of Hyatt. The resort loyalty program presents a really enticing award chart, which is damaged up into totally different “classes” and peak, off-peak and customary dates.
By transferring your Chase factors to Hyatt, you may e book among the fanciest Park Hyatt properties in your entire portfolio, together with the Park Hyatt London River Thames, beginning at 25,000 factors per evening throughout off-peak dates.
TPG values Hyatt factors at 1.7 cents every (per our June 2025 valuations), so 25,000 factors are value $425. That is an amazing deal for resort rooms that sometimes promote for near $800 per evening, even when demand is low.
There’s additionally nice worth on the decrease finish of the Hyatt award chart. Class 1 inns vary from 3,500 to six,500 factors per evening.
If seeking to maximize your Chase factors, I like to recommend using switch companions. Nevertheless, you must all the time examine the money worth to the variety of factors required to e book. Moreover, earlier than transferring your factors, be sure there’s availability — transfers are irreversible.
Associated: The very best Chase Final Rewards candy spots
What are Chase Final Rewards factors value?
TPG values Final Rewards factors at 2.05 cents apiece, per our June 2025 valuations, and I consider you’ll obtain the most effective worth by transferring factors to airline and resort companions.
Nevertheless, you may get various values for Chase factors for those who pursue different redemption alternatives. For instance, Final Rewards factors are value 1.5 cents apiece by Chase Journey℠ for Sapphire Reserve cardholders or 1.25 cents for these with the Sapphire Most well-liked or Ink Enterprise Most well-liked® Credit score Card (see charges and charges).
As a cardholder of any of the above merchandise, you may even have entry to Chase Pay Your self Again, and there are often presents to make use of Chase factors for Apple merchandise or reward playing cards at an enhanced worth.
Beginning June 23, 2025, present Sapphire Reserve cardholders will see ‘Factors Increase’ in Chase Journey. This accelerator will permit cardholders to redeem their Final Rewards factors at a charge of as much as 2 cents per level when making reservations with choose airways and inns — together with The Edit properties. Factors Increase is changing the 1.5-cent worth on Chase Journey redemptions for individuals who get the cardboard on (or after) June 23, 2025.
Different vital charges and dates to pay attention to relating to Factors Increase embrace:
- When you had a Sapphire Reserve previous to June 23, 2025, and earned Final Rewards factors earlier than October 26, 2025, these factors stay eligible for redemption on the 1.5-cent charge through Chase Journey (till October 26, 2027).
- For factors earned earlier than October 26, 2025, you’ll obtain the higher supply between Factors Increase and the 1.5-cent redemption charge worth (when reserving through Chase Journey by October 26, 2027).
- After October 26, 2027, factors will probably be redeemable at a charge of 1 cent per level for all purchases not eligible for Factors Increase.
Moreover, playing cards that characteristic a 1.25-cent charge — just like the Sapphire Most well-liked and the Ink Enterprise Most well-liked — will see a Factors Increase redemption charge of as much as 1.5 cents per level on inns and flights booked through Chase Journey. When you go for a premium cabin ticket (with choose airways), you may see an as much as 1.75 cents per level worth within the journey portal.
Much like the Sapphire Reserve charge adjustments famous above, this is what to anticipate for those who’re a Sapphire Most well-liked cardholder:
- When you had a Sapphire Most well-liked or Ink Enterprise Most well-liked previous to June 23, 2025, and earned Final Rewards factors earlier than October 26, 2025, these factors stay eligible for redemption on the 1.25-cent charge through Chase Journey (till October 26, 2027).
- For factors earned earlier than October 26, 2025, you’ll obtain the higher supply between Factors Increase and the 1.25-cent redemption charge worth (when reserving through Chase Journey by October 26, 2027).
- After October 26, 2027, factors will probably be redeemable at a charge of 1 cent per level for all purchases not eligible for Factors Increase.
How do I earn Chase Final Rewards factors?
There are numerous methods to earn Chase factors at a charge of 1-8 factors per greenback spent, relying on the particular Chase bank card you carry.
The primary three playing cards under — Chase Sapphire Most well-liked, Sapphire Reserveand Ink Enterprise Most well-liked — earn absolutely transferable Final Rewards factors by themselves.
The remaining 4 — Chase Freedom Flex® (see charges and charges), Chase Freedom Limitless® (see charges and charges), Ink Enterprise Money® Credit score Card (see charges and charges) and the Ink Enterprise Limitless® Credit score Card (see charges and charges) — are technically billed as cash-back bank cards.
Nevertheless, if in case you have an Final Rewards points-earning card, you may successfully convert your cash-back rewards into Final Rewards factors. Because of this, having a couple of Chase card could make sense to maximise your incomes and redeeming potential.
Listed here are the playing cards that help you earn Chase Final Rewards factors.
Chase Sapphire Most well-liked Card
Welcome bonus: Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Annual payment: $95.
Why you need it: It is a improbable all-around journey bank card. It earns factors on the following charges:
- 5 factors per greenback spent on Lyft (by Sept. 30, 2027)
- 5 factors per greenback spent on all journey bought by Chase Journey
- 3 factors per greenback spent on eating, together with eligible supply companies, takeout and eating out
- 3 factors per greenback spent on choose streaming companies
- 3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback spent on all different journey
- 1 level per greenback spent on all different purchases
The Sapphire Most well-liked has no international transaction charges and has many journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automotive rental insurance coverage.
Apply right here: Chase Sapphire Most well-liked Card
Chase Sapphire Reserve
Welcome bonus: Earn 100,000 bonus factors and a $500 Chase Journey credit score after spending $5,000 on purchases throughout the first three months from account opening.
Annual payment: $795.
Why you need it: The Sapphire Reserve presents incomes energy paired with journey perks that may simply cowl the annual payment. It earns factors on the following charges:
- 8 factors per greenback spent on all Chase Journey purchases (flights, inns, automotive leases and extra)
- 5 factors per greenback spent on eligible Lyft rides (by Sept. 30, 2027)
- 4 factors per greenback spent on flights booked instantly with an airline
- 4 factors per greenback spent on inns booked instantly
- 3 factors per greenback spent on eating worldwide
- 1 level per greenback spent on all different eligible purchases
Different perks embrace an easy-to-use $300 annual journey credit score, a payment credit score for International Entry or TSA PreCheck (as much as $120 as soon as each 4 years), and entry to Precedence Cross Choose lounges and the rising record of Sapphire lounges. Cardholders additionally get major automotive rental protection, journey interruption/cancellation insurance coverage and different protections.
Apply right here: Chase Sapphire Reserve
Ink Enterprise Most well-liked Credit score Card
Welcome bonus: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Annual payment: $95.
Why you need it: This is without doubt one of the greatest bank cards for small-business homeowners, incomes 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey, delivery purchases, web, cable and telephone companies and promoting made with social media websites and search engines like google every account anniversary 12 months. You earn 1 level per greenback spent on all different purchases, and factors do not expire so long as your account is open.
Apply right here: Ink Enterprise Most well-liked Credit score Card
Money-back Chase bank cards
4 Chase bank cards are technically billed as cash-back merchandise. Nevertheless, suppose you might have one of many three playing cards famous above. In that case, you may mix your factors in a single account, changing these cash-back rewards into absolutely transferable Final Rewards factors.
Even higher? None of those playing cards expenses an annual payment.
Listed here are the 4 playing cards that supply this performance:
- Chase Freedom Flex: Earn $200 after spending $500 on purchases within the first three months from account opening. Earn 5% money again on choose bonus classes, which rotate each quarter to as much as $1,500 in mixed spending (activation required). Plus, earn 5% money again on journey bought by Chase Journey, 3% money again on eating at eating places (together with takeout and eligible supply companies), 3% money again on drugstore purchases, and 1% money again on all different purchases.
- Chase Freedom Limitless: Earn $200 after spending $500 on purchases within the first three months from account opening. Plus, earn 5% money again on journey bought by Chase Journey, 3% money again on eating at eating places (together with takeout and eligible supply companies), 3% money again on drugstore purchases and 1.5% money again on all different purchases.
- Ink Enterprise Money: 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. Earn 5% money again on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable and telephone companies every account anniversary 12 months (then 1% money again). Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary 12 months (then 1% money again).
- Ink Enterprise Limitless: Earn $750 money again after spending $6,000 on purchases within the first three months from account opening. Earn limitless 1.5% cash-back rewards on each buy.
Notice that Chase additionally points the Ink Enterprise Premier® Credit score Card (see charges and charges). Nevertheless, the earnings on this card cannot be mixed with others within the Final Rewards ecosystem.
Backside line
When you worth the flexibleness of selecting from 11 airline companions and three resort companions, Chase Final Rewards is certainly one of our favourite bank card packages at TPG.
Within the age of no-notice devaluations by some loyalty packages, it’s sensible to earn Final Rewards factors through bank card welcome presents, class bonuses and on a regular basis spending, after which hold your factors till you might be able to switch and e book with an airline or resort accomplice.
Associated: The facility of the Chase Trifecta: Maximize your earnings with 3 playing cards
