Chase Final Rewards factors are the foreign money of most Chase-branded bank cards. You may 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 invaluable and helpful rewards currencies — particularly with invaluable rewards playing cards just like the Chase Sapphire Most popular® Card (see charges and costs) and the just lately refreshed Chase Sapphire Reserve® (see charges and costs).
Transferring Final Rewards factors to journey companions is usually probably the most invaluable solution to redeem your hard-earned rewards. With 14 totally different switch companions, you might have loads of choices.
Right here is the whole lot 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 costs).
Who’re the Chase Final Rewards switch companions?
You may 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 it’s essential to switch factors in 1,000-point increments.
How lengthy do Chase Final Rewards transfers take?
Observe that switch bonuses may also be inconsistent. For instance, when TPG’s senior editorial director Nick Ewen transferred factors to Aeroplan to make the most of 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 immediate to 2 hours.
To assist with the switch course of, guarantee that the title in your Final Rewards account matches that in your loyalty program account. Moreover, be sure you have signed up with a loyalty program prematurely, as a brand new account can also trigger a delay.
How do I switch Chase Final Rewards factors to companions?
You may 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 primary switch web page.
You’ll then see the record of switch companions and any present switch bonuses. Choose your required switch associate, hyperlink your exterior account when you’ve got not already executed 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 wish to make earlier than transferring them.
Associated: Fast Factors: Bank card factors transfers to airline and resort associate packages can’t be reversed
What are one of the best Chase Final Rewards switch companions?
In the event you want to switch your factors to one of many 11 totally different airline program companions, one of the best redemption choices for you’ll be able to range, relying on components reminiscent of which airways fly to and from the locations you want to go to and which airways you wish 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 guide utilizing Chase factors.
Guide a round-trip flight to Madrid utilizing Membership Iberia Plus
Flying from the U.S. to Spain does not should set you again 1000’s of {dollars}. In actual fact, 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 if you switch your Chase factors to Membership Iberia Plus.
Contemplating that the majority airways cost at the very least 60,000 miles for a one-way business-class award to Europe, you are primarily getting a 50% low cost.
Guide flights to Hawaii with British Airways
Do you know which you could guide American Airways and Alaska Airways flights with Chase factors? Although the carriers usually are not direct switch companions of Chase, you’ll be able to guide flights on these carriers by transferring your Final Rewards factors to British Airways. You may then guide awards with fellow Oneworld companions American Airways and Alaska Airways.
So long as your nonstop flight distance is beneath 3,000 miles every method (and saver-level award house is out there), you’ll be able to 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? Effectively, for 145,000 Virgin Atlantic Flying Membership factors, you’ll be able to fly round-trip in top quality on All Nippon Airways between the West Coast and Tokyo. Flights from the East Coast to Tokyo will value 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 potential, you will wish to route by JFK and fly ANA’s industry-leading “The Room” enterprise class, which is just out there on choose routes.
Nevertheless, observe that availability might be tough to come back by.
Guide 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 affords Saver fares for low-demand journey dates. Due to this fact, for those who’re versatile and are available throughout availability, you could possibly rating lie-flat business-class seats from JFK to London’s Heathrow Airport (LHR) for as little as 29,000 factors.
In the event you’re trying to be extra thrifty together with your hard-earned reward factors, you’ll be able to fly the very same route in economic system for as little as 6,000 factors. Be sure you 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
Except for transferring your Chase factors to airline companions to maximise their worth, I additionally advocate reserving stays with World of Hyatt. The resort loyalty program affords a really enticing award chart, which is damaged up into totally different “classes” and peak, off-peak and normal dates.
By transferring your Chase factors to Hyatt, you’ll be able to guide a few of the fanciest Park Hyatt properties in your entire portfolio, together with the Park Hyatt London River Thames, beginning at 25,000 factors per night time 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 usually promote for near $800 per night time, even when demand is low.
There’s additionally nice worth on the decrease finish of the Hyatt award chart. Class 1 lodges vary from 3,500 to six,500 factors per night time.
If trying to maximize your Chase factors, I like to recommend using switch companions. Nevertheless, you must all the time examine the money value to the variety of factors required to guide. Moreover, earlier than transferring your factors, be certain there may be availability — transfers are irreversible.
Associated: One of the 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 imagine you’ll obtain one of the best worth by transferring factors to airline and resort companions.
Nevertheless, you will 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 popular or Ink Enterprise Most popular® Credit score Card (see charges and costs).
As a cardholder of any of the above merchandise, you will even have entry to Chase Pay Your self Again, and there are often affords to make use of Chase factors for Apple merchandise or present playing cards at an enhanced worth.
Beginning June 23, 2025, current Sapphire Reserve cardholders will see ‘Factors Increase’ in Chase Journey. This accelerator will enable cardholders to redeem their Final Rewards factors at a fee of as much as 2 cents per level when making reservations with choose airways and lodges — 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 essential charges and dates to concentrate on concerning Factors Increase embody:
- In the event 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 fee by way of 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 fee worth (when reserving by way of Chase Journey by October 26, 2027).
- After October 26, 2027, factors can be redeemable at a fee of 1 cent per level for all purchases not eligible for Factors Increase.
Moreover, playing cards that function a 1.25-cent fee — just like the Sapphire Most popular and the Ink Enterprise Most popular — will see a Factors Increase redemption fee of as much as 1.5 cents per level on lodges and flights booked by way of Chase Journey. In the event you go for a premium cabin ticket (with choose airways), you will see an as much as 1.75 cents per level worth within the journey portal.
Just like the Sapphire Reserve fee adjustments famous above, here is what to anticipate for those who’re a Sapphire Most popular cardholder:
- In the event you had a Sapphire Most popular or Ink Enterprise Most popular 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 fee by way of 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 fee worth (when reserving by way of Chase Journey by October 26, 2027).
- After October 26, 2027, factors can be redeemable at a fee of 1 cent per level for all purchases not eligible for Factors Increase.
How do I earn Chase Final Rewards factors?
There are various methods to earn Chase factors at a fee of 1-8 factors per greenback spent, relying on the precise Chase bank card you carry.
The primary three playing cards under — Chase Sapphire Most popular, Sapphire Reserveand Ink Enterprise Most popular — earn totally transferable Final Rewards factors by themselves.
The remaining 4 — Chase Freedom Flex® (see charges and costs), Chase Freedom Limitless® (see charges and costs), Ink Enterprise Money® Credit score Card (see charges and costs) and the Ink Enterprise Limitless® Credit score Card (see charges and costs) — are technically billed as cash-back bank cards.
Nevertheless, when you’ve got an Final Rewards points-earning card, you’ll be able to successfully convert your cash-back rewards into Final Rewards factors. For that reason, having multiple Chase card could make sense to maximise your incomes and redeeming potential.
Listed here are the playing cards that can help you earn Chase Final Rewards factors.
Chase Sapphire Most popular Card
Welcome bonus: Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Annual price: $95.
Why you need it: This can be a unbelievable 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 providers, takeout and eating out
- 3 factors per greenback spent on choose streaming providers
- 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 popular has no overseas 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 popular 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 price: $795.
Why you need it: The Sapphire Reserve affords incomes energy paired with journey perks that may simply cowl the annual price. It earns factors on the following charges:
- 8 factors per greenback spent on all Chase Journey purchases (flights, lodges, 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 lodges booked instantly
- 3 factors per greenback spent on eating worldwide
- 1 level per greenback spent on all different eligible purchases
Different perks embody an easy-to-use $300 annual journey credit score, a price credit score for International Entry or TSA PreCheck (as much as $120 as soon as each 4 years), and entry to Precedence Move Choose lounges and the rising record of Sapphire lounges. Cardholders additionally get main automotive rental protection, journey interruption/cancellation insurance coverage and different protections.
Apply right here: Chase Sapphire Reserve
Ink Enterprise Most popular 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 price: $95.
Why you need it: This is likely 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 providers 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 popular 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’ll be able to mix your factors in a single account, changing these cash-back rewards into totally transferable Final Rewards factors.
Even higher? None of those playing cards prices an annual price.
Listed here are the 4 playing cards that provide 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 providers), 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 providers), 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 providers 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.
Observe that Chase additionally points the Ink Enterprise Premier® Credit score Card (see charges and costs). Nevertheless, the earnings on this card cannot be mixed with others within the Final Rewards ecosystem.
Backside line
In the event you worth the pliability of selecting from 11 airline companions and three resort companions, Chase Final Rewards is considered one of our favourite bank card packages at TPG.
Within the age of no-notice devaluations by some loyalty packages, it’s good to earn Final Rewards factors by way of bank card welcome affords, class bonuses and on a regular basis spending, after which hold your factors till you might be able to switch and guide with an airline or resort associate.
Associated: The facility of the Chase Trifecta: Maximize your earnings with 3 playing cards
