Final Rewards factors are the forex of most Chase-branded bank cards. You may earn Chase Final Rewards factors for on a regular basis spending, then redeem them for a variety of rewards.
Regardless of rising competitors from American Categorical Membership Rewards factors, Citi ThankYou Rewards factors and Capital One miles, Chase Final Rewards factors has maintained its place as one of the vital invaluable and helpful factors currencies — particularly with invaluable merchandise just like the Chase Sapphire Reserve, Chase Sapphire Most well-liked Card and Ink Enterprise Most well-liked Credit score Card.
Transferring Final Rewards to journey companions is commonly essentially the most invaluable approach to redeem your hard-earned factors. With 14 totally different switch companions, you’ve gotten loads of choices. You may even hold your Chase factors in your Final Rewards account till you might be able to switch them.
Associated: One of the best Chase bank cards
Right here is every part to find out about Chase Final Rewards switch companions.
Who’re the Chase switch companions?
You may switch Final Rewards factors to 11 airline applications:
Chase additionally companions with three lodge applications:
All switch ratios are 1:1 (although there are occasional switch bonuses), and you have to switch factors in 1,000-point increments.
How lengthy do Final Rewards transfers take?
Most transfers from Chase Final Rewards to its associate applications are instantaneous, with two exceptions. In our testing, transfers to each Singapore Airways KrisFlyer and Marriott Bonvoy can take as much as two enterprise days.
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We have heard anecdotal tales of delays with different applications, however so long as the identify in your Final Rewards account matches that in your loyalty program account, these ought to course of instantly.
How do I switch Chase factors to companions?
You may simply switch Chase factors on-line. First, log in to your Chase account and choose “Switch to Journey Companions” from the left-side drop-down menu.
You’ll then see the record of switch companions. Any present switch bonus gives can even be proven. Choose your required switch associate, hyperlink your exterior account if in case you have not already accomplished 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’ve gotten a particular use earlier than transferring them.
Who’re the perfect Chase switch companions?
Given the low award chart charges of the World of Hyatt program, many TPG staffers imagine Hyatt is the perfect lodge switch possibility for Final Rewards factors.
In case you would like to switch to one of many 11 totally different airline program companions, the best choice could depend upon which airways fly to and from the locations you want to journey, who this system companions with and which airways you wish to journey with.
There are candy spots to be present in many of the airline switch choices. Our favourite Final Rewards candy spots embrace the next:
Prime-tier Hyatt resorts
The World of Hyatt award chart has two interesting elements. First, its mere existence is notable, given most different lodge applications (together with IHG One Rewards and Marriott Bonvoy, the opposite Chase lodge companions) have shifted to dynamic pricing.
Past that, Hyatt award charges could be extremely low in comparison with some opponents. You may guide a few of the fanciest Park Hyatt properties in your entire portfolio, together with the Park Hyatt New York and Park Hyatt Sydney, for simply 35,000 factors per evening throughout off-peak dates. TPG values Hyatt factors at 1.7 cents every, so 35,000 factors are value $595. That’s a fantastic deal for resorts that routinely promote for near $1,000 per evening, even when demand is low.
There’s additionally nice worth on the decrease finish of the Hyatt award chart. Class 1 resorts vary from 3,500 to six,500 factors per evening, relying on whether or not you are touring on peak, normal or off-peak dates.
Iberia flights to Madrid
Spherical-trip, off-peak flights from New York’s John F. Kennedy Worldwide Airport (JFK), Chicago’s O’Hare Worldwide Airport (ORD) and Boston Logan Worldwide Airport (BOS) to Spain’s capital will solely set you again 34,000 Avios in financial system, 51,000 in premium financial system or 68,000 in enterprise if you switch your Chase factors to Iberia Plus. Contemplating that almost all airways cost at the very least 60,000 miles for a one-way business-class award to Europe, you’re basically getting a 50% low cost.
Flights to Hawaii with Alaska and American
By transferring your Final Rewards to British Airways, you’ll be able to guide awards with Oneworld companions American Airways and Alaska Airways. So long as your nonstop flight distance is beneath 3,000 miles every method, you’ll be able to leverage British Airways’ distance-based award chart to fly from any West Coast gateway to Hawaii for under 26,000 Avios round-trip.
ANA flights booked by way of Virgin Atlantic
For simply 145,000 miles, you’ll be able to fly round-trip in All Nippon Airways top notch between the West Coast and Tokyo. Flights from different U.S. gateways solely price an additional 25,000 miles (170,000 miles round-trip). Enterprise-class redemptions are a good higher deal, costing simply 90,000-95,000 miles round-trip, relying in your U.S. departure airport. If potential, you’ll wish to route by way of New York-JFK and fly ANA’s new industry-leading “The Room” enterprise class, which is simply out there on choose routes.
Brief-haul flights to Canada
Aeroplan caught to an award chart for associate redemptions however added dynamic pricing for Air Canada flights. Because of this, you’ll be able to typically discover super-cheap short-haul tickets from the U.S. to Canada. For instance, New York to Toronto Pearson Airport (YYZ) could be booked for beneath 6,000 miles one-way on many dates.
Nevertheless, it’s also possible to discover very cheap award charges on Star Alliance companions by way of Aeroplan — together with Lufthansa, Swiss and EVA Airways.
Associated: Your full information to Star Alliance advantages
What are Chase Final Rewards factors value?
Nevertheless, you will get various values for Chase factors in case you pursue different redemption alternatives. For instance, Final Rewards factors are value 1.5 cents apiece by way of the Chase journey portal for Sapphire Reserve cardholders, or 1.25 cents for these with the Sapphire Most well-liked or Ink Enterprise Most well-liked. You will even have entry to Chase Pay Your self Again as a cardholder of any of the above playing cards, and there are often gives to make use of Chase factors for Apple merchandise or reward playing cards at an enhanced worth.
Lastly, Chase factors are value 1 cent apiece if used for easy money again.
How do I earn Chase Final Rewards factors?
There are lots of methods to earn Chase factors at 1-10 factors per greenback spent, relying on the particular Chase bank card you carry.
The primary three playing cards beneath earn totally transferable Final Rewards factors all by themselves, whereas the remaining 4 are technically billed as cash-back bank cards.
Nevertheless, if in case you have an Final Rewards-earning card, you’ll be able to successfully convert your cash-back rewards into Final Rewards factors. Because of this, having multiple Chase card could make sense to maximise your incomes and redeeming potential.
Listed here are the playing cards that mean you can earn Chase Final Rewards factors.
Chase Sapphire Most well-liked Card
Welcome bonus: 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening
Why you need it: It is a implausible all-around journey bank card. It earns factors on the following charges:
- 5 factors per greenback on Lyft (by way of March 2025)
- 5 factors per greenback on all journey bought by way of Chase Final Rewards
- 3 factors per greenback on eating, together with eligible supply companies, takeout and eating out
- 3 factors per greenback on choose streaming companies
- 3 factors per greenback on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback on all different journey
- 1 level per greenback on all different purchases
The Sapphire Most well-liked has no overseas transaction charges and comes with many journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automobile rental insurance coverage.
Annual price: $95
Software hyperlink: Chase Sapphire Most well-liked Card
Chase Sapphire Reserve
Welcome bonus: 60,000 factors after you spend $4,000 on purchases within the first three months from account opening
Why you need it: The Sapphire Reserve gives incomes energy paired with journey perks that may simply cowl the annual price. It earns factors on the following charges:
- 10 factors per greenback on Lyft (by way of March 2025)
- 10 factors per greenback on Chase Eating booked by way of Final Rewards
- 10 factors per greenback on lodge and automobile rental purchases by way of the Final Rewards journey portal
- 5 factors per greenback on airline journey booked by way of the Final Rewards journey portal
- 3 factors per greenback on journey not booked by way of Chase
- 3 factors per greenback on different eating purchases
- 1 level per greenback on all different eligible purchases
Different perks embrace an easy-to-use $300 annual journey credit score, a price credit score for International Entry or TSA PreCheck (as much as $100 as soon as each 4 years) and Precedence Go Choose lounge entry in addition to the rising record of latest Sapphire lounges. This is likely one of the few playing cards that mean you can use your Precedence Go membership for discounted meals in airport eating places. Cardholders additionally get major automobile rental protection, journey interruption/cancellation insurance coverage and different protections.
Annual price: $550
Software hyperlink: Chase Sapphire Reserve
Ink Enterprise Most well-liked Credit score Card
Welcome bonus: 100,000 factors after you spend $8,000 on purchases within the first three months from account opening
Why you need it: This is likely one of the greatest bank cards for small-business house owners, incomes 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey, delivery purchases, web, cable and telephone companies, promoting made with social media websites and serps every account anniversary yr. You earn 1 level per greenback on all different purchases, and factors don’t expire so long as your account is open.
Annual price: $95
Software hyperlink: Ink Enterprise Most well-liked Credit score Card
Money-back Chase bank cards
There are additionally 4 Chase bank cards which are technically billed as cash-back merchandise. Nevertheless, if in case you have one of many three playing cards famous above, you’ll be able to mix your factors in a single account, successfully changing these cash-back rewards into totally transferable Final Rewards factors.
Even higher? None of those playing cards cost an annual price.
Listed here are the 4 playing cards that provide this performance:
- Chase Freedom Flex: Earn $200 after you spend $500 within the first three months of account opening. Earn 5% again on choose bonus classes, which rotate each quarter and apply on as much as $1,500 in mixed spending (activation required). Plus, earn 5% on journey bought by way of Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply companies) and three% on drugstore purchases.
- Chase Freedom Limitless: Earn an extra 1.5% money again on every part you purchase (on as much as $20,000 spent within the first yr). Plus, earn 5% on journey bought by way of Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply companies) and three% on drugstore purchases. Earn 1.5% on all different purchases.
- Ink Enterprise Money Credit score Card: Earn $750 money again after you spend $6,000 on purchases within the first three 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 yr (then 1%). Earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary yr (then 1%).
- Ink Enterprise Limitless Credit score Card: Earn $750 money again after you spend $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. Nevertheless, the earnings on this card cannot be mixed with others within the Final Rewards ecosystem.
Learn extra: Your information to the Chase Ink Enterprise bank cards
Backside line
In case you worth the pliability of selecting from 11 totally different airline companions and three totally different lodge companions, Chase Final Rewards is one in every of our favourite bank card applications at TPG.
Within the age of no-notice devaluations by some loyalty applications, it’s sensible to earn Final Rewards through the vary of bank card welcome bonuses, class bonuses and on a regular basis spending, after which hold your Final Rewards factors till you might be able to switch and guide with an airline or lodge associate.
