2 Little Known Secrets About Chase Ultimate Reward Points

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2 Little Known Secrets About Chase Ultimate Reward Points

Million Mile Secrets2 Little Known Secrets About Chase Ultimate Reward PointsMillion Mile Secrets Team

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Update:  You can no longer transfer Chase Ultimate Rewards points to Amtrak.

The Chase Ultimate Rewards program allows you to transfer points to various partners, including Continental, British Airways, Hyatt, Marriott, Priority Club, and Amtrak.

But did  you know that you can transfer Chase Ultimate Reward points from your account to airline and hotel partner accounts in someone else’s name and that the transfer will take place instantly?!


Chase Sapphire Ultimate Rewards

Emily recently received 50,000 extra Chase Ultimate Reward points on her Chase Sapphire Preferred card.  We want to use Emily’s Ultimate Reward points, in addition to my existing Hyatt points, at the Park Hyatt in Paris next year.

So I tried transferring 1,000 Chase Ultimate Reward points (the smallest transfer amount) from Emily’s account to my Hyatt account.

It worked!  The points transferred to my Hyatt account instantly!

Chase Sapphire Ultimate Rewards

I then tried to transfer another 1,000 Chase Ultimate Reward points from Emily’s account to my British Airways account.

Once again, they transferred instantly!

How can you use this flexibility for your travel?

1)   Not enough miles

Suppose you and you partner both have 40,000 Continental miles each, for a total of 80,000 miles, but you each need 60,000 miles for a return economy award ticket to Europe.

Transferring all your 50,000 Ultimate Reward points to your Continental OnePass account will give you 90,000 Continental miles (40,000 +50,000), but that is not enough for 2 return award tickets to Europe (2 x 60,000 = 120,000 miles).

But you know that you can transfer Ultimate Reward points to anyone’s account instantly, so you transfer 20,000 Ultimate Reward points to your Continental OnePass account and another 20,000 Ultimate Reward points to your partner’s Continental OnePass account.

You’ve now got 60,000 miles in each account (the 40,000 miles which you started with + the 20,000 miles which you transferred) ,which is enough to book award travel to Europe for 2 persons.

2)   Elite Status Benefits

You have elite status, but your partner does not.

For example, you are a Hyatt Diamond elite, but your partner is not, and you want to book a Hyatt reward night.

You could transfer your partner’s Ultimate Reward’s points to your Hyatt account and then make the award booking.  That way, the hotel knows that the booking is made by a Hyatt Diamond elite, and will likely assign you a better room than if your non-Hyatt elite partner had made the same reservation.

The same principle works with airlines.

Instead of booking separate tickets with either Continental or British Airways (the Ultimate Rewards airline partners), try to transfer Ultimate Reward points to the account which has elite status and book all the air tickets from that account.

That way, both you and your travel partner will be able to take advantage of lower (or no) fees to make changes or cancel your award ticket, in addition to not paying checked-baggage fees.

If you’re thinking of transferring points to someone else’s account, I recommend starting with only 1,000 points at first (the smallest transfer amount) just to make sure that the transfer is successful.  You can transfer the rest of the points once the initial transfer is successful!

Bottom Line: Transferring Chase Ultimate Reward points to someone else’s account right away, is a nice option to have and will let you have Big Travel with Small Money!

As always, you shouldn’t transfer the points to a partner unless you have an immediate need for the points.

The only exception may be transferring points to Continental airlines, since we don’t know if United will replace Continental as a transfer partner once the merger between United and Continental is complete – though I’d bet that United will replace Continental as the transfer partner because of Chase’s long relationship with United.

Disclosure: You should know that I do have a banking relationship with Chase.  However, I don’t get any referral bonus or commission from Chase or anyone else for this post or for the links to the Chase Sapphire Preferred card in this post.  I also do not have a direct financial interest in JP Morgan Chase, NA.

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I have 699 UR points on an older CPS from last year. I will likely get hit with the annual fee next month. Is there anyway to get these miles off? I would like to transfer to united but it is 1000 mutiples/minimun? Thanks for the help. I would prefer not to take the 6.99 in cash.

This is against Chase’s UR TOS explicitly and tons of people report having all accounts shutdown from chase for transfers between non-household/spouse.

Is there any way to convert ultimate rewards to Delta? I know it can’t be done directly

Hello. I’m trying to get a lot of Amtrak guest rewards points for a trip I’d like to take. I know you can convert the Chase points 1:1 with Amtrak as well as many airlines. You can not, however, transfer airline miles to Amtrak guest rewards points. Is there a way to use Chase as an intermediary to accomplish this? If one can convert Chase points to Delta Skymiles 1:1 then can I do the inverse and convert my Skymiles (I’m using Delta as an example because to me Skymiles seem less valuable than Aadvantage miles) to Chase Ultimate Rewards? Of course if one could do that then the next step would simply be to transfer the the UR points to Amtrak thereby converting Skymiles to Guest Rewards.

On the same note, Starwood Preferred Guest Points can also be converted to Amtrak 1:1 or airline parters 1:1 (with 5,000 bonus miles for every 20k transferred). Any luck converting airline miles to SPG points?

Next would be if you can’t convert airline miles to UR or SPG points then could one transfer Hilton Honor points to UR or SPG? Hilton points can be converted directly to Amtrak guest rewards but at a pitiful 10,000 to 1,500 ratio.

Thanks in advance for your help.

Million Mile Secrets

@David – You can’t convert airline miles or hotel points to Ultimate Rewards. You also can’t covert airline miles to Amtrak.

ok…so I’m looking at my page….I can’t transfer points from DH’s acct. DIRECTLY into my UR account,right? It doesn’t seem to be an option. It looks like I can transfer his points into my Marriot,or SWA acct,just input the correct number,etc.? Do I have it right now? thanks!

Million Mile Secrets

@JM – If you’re after the companion pass, you can get the Southwest credit card or transfer UR points to Hyatt and then to Southwest. You can transfer points from your husband’s UR account to your UR account. You have to select the option to combine UR points to do that.

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