Chase Ultimate Rewards
Chase Ultimate Rewards is a flexible points currency: earn it on the cards below, then transfer to 11 airline and 3 hotel partners. All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes). Inferred by source
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Recommended starter card
Start with the Chase Sapphire Preferred® Card — $95/yr, the lowest-cost way into the Chase Ultimate Rewards ecosystem.
Cards that earn Chase Ultimate Rewards
Transfer partners
Tap a partner to see every card that can transfer to it.
Recent transfer changes
- 2026-06-15 - World of Hyatt ratio cut 1:1 → 4:3 (25% devaluation) for Sapphire Preferred & Ink Business Preferred. Effective for new applicants 2026-06-15, existing cardholders 2026-10-01. Sapphire Reserve / J.P. Morgan keep 1:1.
Frequently asked
What is the best starter card for Chase Ultimate Rewards?
A good entry card is the Chase Sapphire Preferred® Card ($95/yr), the lowest-fee way to start earning Chase Ultimate Rewards. From there you can add higher-tier cards in the same ecosystem.
Which cards earn Chase Ultimate Rewards?
Sapphire Preferred, Ink Business Preferred, Sapphire Reserve, Sapphire Reserve Business — all earn Chase Ultimate Rewards, which you can pool and transfer together.
What can you transfer Chase Ultimate Rewards to?
Airlines: Aer Lingus, Air Canada (Aeroplan), Air France-KLM (Flying Blue), British Airways, Emirates, Iberia, JetBlue, Singapore (KrisFlyer), Southwest, United, Virgin Atlantic. Hotels: World of Hyatt, Marriott Bonvoy, IHG One Rewards. All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes).