There are a lot of the reason why Chase Final Rewards factors are some of the standard transferable rewards currencies. Most noteworthy, this system affords an array of useful airline and lodge switch companions. Utilizing Chase’s switch companions can assist you maximize your factors and procure a price of properly over 2 cents per level.
Plus, even should you resolve to not switch your factors to one in all Chase’s 14 companions, you may redeem your factors for flights, lodge stays and extra at a set price between 1 and 1.5 cents per level via the Chase Journey℠ portal, relying on the Chase card in your pockets.
And should you’re seeking to earn a ton of Chase factors, the Chase Sapphire Most well-liked® Card (see charges and costs) is presently providing a highest-ever 100,000-point welcome bonus after you spend $5,000 on purchases throughout the first three months of account opening. With a big sum of Chase factors in your account, you can begin planning your subsequent getaway and saving your self a whole lot, if not hundreds, of {dollars} on lodge bills. Nevertheless, there are particular ideas and methods that will help you maximize your factors on a lodge keep.
Preserve studying to search out out useful methods to redeem your Final Rewards factors towards your subsequent lodge keep.
Supply alert: Add 100,000 Final Rewards factors to your stability with this limited-time supply on the Chase Sapphire Most well-liked.
Who’re Chase’s lodge companions?
You may switch your Final Rewards factors on a 1:1 foundation to Chase’s three lodge companions, permitting you to redeem factors for lodge stays via these packages:
It’s also possible to ebook just about any lodge worldwide utilizing Final Rewards factors via the Chase Journey portal.
Transferring Chase Final Rewards factors to World of Hyatt
Chase’s secret maximization weapon is the profitable World of Hyatt loyalty program, a 1:1 switch accomplice. To redeem Chase Final Rewards factors for Hyatt lodge stays, all you must do is enter your World of Hyatt data into your Chase Final Rewards account and switch the factors it’s good to your Hyatt account. Transfers are often instantaneous, permitting you to ebook your Hyatt stick with factors nearly instantly.
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Whereas most recommendation about redeeming versatile factors for max worth facilities round airline switch companions, Hyatt’s very affordable award chart is a compelling exception. You will discover sweet-spot redemptions at each the higher and decrease ends of the chart, with award charges beginning at simply 3,500 factors per night time for Class 1 properties on off-peak dates.
| Resort class | Off-peak factors per night time | Commonplace factors per night time | Peak factors per night time |
|---|---|---|---|
| 1 | 3,500 | 5,000 | 6,500 |
| 2 | 6,500 | 8,000 | 9,500 |
| 3 | 9,000 | 12,000 | 15,000 |
| 4 | 12,000 | 15,000 | 18,000 |
| 5 | 17,000 | 20,000 | 23,000 |
| 6 | 21,000 | 25,000 | 29,000 |
| 7 | 25,000 | 30,000 | 35,000 |
| 8 | 35,000 | 40,000 | 45,000 |
To place these numbers into extra concrete phrases, the Chase Sapphire Most well-liked‘s 100,000-point welcome bonus could be sufficient to ebook 4 nights at a Class 6 lodge just like the Hyatt Regency Maui Resort and Spa on customary dates or 4 nights at an opulent Class 7 property just like the Park Hyatt Maldives Hadahaa on off-peak dates.
Class 7 inns are an awesome possibility for Chase Hyatt redemptions; you may usually get properly above TPG’s April 2025 valuation of 1.7 cents apiece at these properties. Whereas the award chart above has a better tier (Class 8), these properties require a major premium over Class 7 resorts. These extra 10,000 factors per night time will not be price it.
Lastly, it is price contemplating the 700-plus boutique and luxurious inns from Mr & Mrs Smith which have now been built-in into the World of Hyatt program. As an alternative of utilizing Hyatt’s award chart, Mr & Mrs Smith properties are dynamically priced and can’t be booked with free night time certificates. This makes it more durable to maximise the worth of your factors, however there should be some worthwhile redemptions to be discovered, particularly if in case you have your eye on an ultraluxurious property that might be out of attain with money.
Associated: Greatest Hyatt inns on the planet
Transferring Chase Final Rewards factors to Marriott Bonvoy
Sadly, not all of Chase’s lodge companions are as helpful for redeeming Final Rewards factors.
Marriott Bonvoy did away with its award chart in 2022, leading to a lot greater (arguably inflated) redemption charges. Whereas essentially the most you’d ever pay for an evening at a top-tier Hyatt property is 45,000 factors, Marriott’s new dynamic pricing mannequin means there are not any limits to what number of factors a lodge can price. In truth, six-figure redemptions will not be unusual.
Typically talking, transferring Chase Final Rewards factors to Marriott presents a major loss in worth. TPG values Chase factors at 2.05 cents every, in line with our April 2025 estimates, in comparison with solely 0.7 cents every for Marriott factors — however you can hand over much more worth. For instance, primary rooms at Marriott’s Courtyard Bali Seminyak Resort go for round $200 or 31,000 factors per night time. As an alternative, you can use 35,000 Chase factors to ebook a peak night time on the Class 7 Park Hyatt Maldives Hadahaa, price $800 or extra.
So, must you ever switch Chase factors to Marriott Bonvoy? Listed here are a couple of situations the place it’d make sense:
- You probably have a Marriott redemption in thoughts however are brief a couple of factors, you could need to high up your account by transferring factors from Chase Final Rewards.
- In case your Marriott factors are set to run out, transferring 1,000 Final Rewards factors is a fast approach to hold them alive.
- If Chase is operating a switch bonus, you may switch factors to Marriott Bonvoy at a greater ratio and use them towards a useful Marriott redemption.
- Marriott’s “Keep for five, Pay for 4” supply lets members ebook a free award night time on stays of 5 consecutive nights or longer. This perk can prevent tens of hundreds of factors.
- Marriott factors are extremely versatile past lodge bookings. That is as a result of Marriott is amongst a small variety of switch companions for some packages with useful however hard-to-earn airline miles, comparable to Alaska Airways Mileage Plan and Japan Airways Mileage Financial institution. Do not forget that Marriott factors switch at a 3:1 ratio to airline companions (plus a 5,000-mile bonus for each 60,000 factors transferred), so you may be shedding much more worth. Nonetheless, it’d make sense should you’re simply shy of the factors wanted to ebook one in all these candy spots.
Associated: Methods to maximise Marriott Bonvoy award night time redemptions
Transferring Chase Final Rewards factors to IHG One Rewards
For all the explanations that transferring Final Rewards factors to Marriott is dangerous, transferring to the IHG One Rewards program might be even worse. IHG’s award pricing is much more inflated than Marriott’s, which means the identical variety of factors will not get you as far.
Like Marriott, IHG One Rewards does not publish a full award chart. To examine award charges, seek for your particular dates and see what number of factors you want.
Take the Vacation Inn Categorical Columbus — Ohio Expo Heart. You may reserve a normal room for 31,000 IHG One Rewards factors.
TPG values 31,000 Chase factors at $635.50, however the money price for this room is simply $162. In different phrases, the worth you may get in your Chase factors is much under common.
Nevertheless, you could discover worth in transferring Chase factors to IHG to maintain IHG factors from expiring or should you’re simply wanting a redemption — particularly if in case you have entry to the fourth-night-free perk supplied by choose IHG bank cards. In any other case, it is nearly all the time a foul concept.
Associated: IHG elite standing: What it’s and the way to earn it
Redeeming Chase Final Rewards factors by way of the Chase Journey portal
If you happen to’re a free-agent traveler and never loyal to a single lodge chain, you may discover the very best use of your Chase factors is thru the Chase Journey portal. This lets you redeem Chase Final Rewards factors for a lot of unbiased inns that might in any other case not be bookable with factors.
As an alternative of paying with money in your lodge keep, you may have the choice to pay with factors at a set price that varies relying on which card you maintain:
As you may see, you may get essentially the most worth via Chase Journey with a card that earns Chase Final Rewards factors. For instance, let’s return to our $162 Vacation Inn Categorical Columbus keep. If you happen to held the Chase Sapphire Reserve, this keep would price solely 10,800 Chase factors — in comparison with 31,000 factors should you transferred them to IHG to ebook the keep.
Alternatively, you may ebook paid stays via the Chase Journey portal and earn bonus rewards on these purchases. The Chase Sapphire Reserve earns 10 factors per greenback spent on inns bought via Chase Journey, whereas the Chase Sapphire Most well-liked, the Chase Freedom Flex and the Chase Freedom Limitless earn 5 factors per greenback (or 5% money again). This additionally would help you reap the benefits of the Sapphire Most well-liked’s annual $50 lodge credit score that’s solely legitimate on Chase Journey bookings.
Remember the fact that since Chase Journey is a third-party on-line journey company, you typically will not earn lodge factors or elite night time credit on these bookings or be capable of entry any elite standing advantages you could have. The exception is The Edit by Chase Journey, which lets you double-dip with the lodge’s loyalty program at some properties.
Associated: Issues to contemplate when selecting to ebook by way of a portal vs. reserving straight
How do I earn Chase Final Rewards factors?
You may earn Final Rewards factors by spending on choose Chase bank cards. Listed here are the playing cards that earn Final Rewards factors, together with their present welcome bonuses:
- Chase Sapphire Most well-liked: Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening.
- Chase Sapphire Reserve: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
- Ink Enterprise Most well-liked: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
The above Final Rewards-earning choices are nice all-around journey bank cards, providing no overseas transaction charges, journey insurance coverage and a wide range of different journey perks.
The next 4 playing cards are technically billed as cash-back bank cards. Nevertheless, if in case you have an Final Rewards-earning card, you may successfully convert your cash-back rewards into Final Rewards factors. For that reason, it will possibly make sense to have a couple of Chase card to maximise your incomes and redeeming potential.
Even higher? None of those playing cards cost an annual price.
- Chase Freedom Flex: Earn $200 after spending $500 on purchases within the first three months from account opening.
- Chase Freedom Limitless: Earn $250 after spending $500 on purchases within the first three months from account opening.
- Ink Enterprise Money Credit score Card: Earn as much as $750: $350 bonus money again after spending $3,000 on purchases within the first three months and an extra $400 after spending $6,000 on purchases within the first six months from account opening.
- Ink Enterprise Limitless Credit score Card: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Backside line
Among the best makes use of of Chase Final Rewards factors is transferring them to Hyatt and redeeming them at low-category or high-end inns. Outdoors of that, given the excessive award charges of Marriott Bonvoy and IHG One Rewards, you could be higher off redeeming your Chase Final Rewards factors for boutique and unbiased inns on the Chase Journey portal.
So, is it ever price transferring Chase factors to IHG One Rewards or Marriott Bonvoy for a lodge redemption? If there is a switch bonus otherwise you’re simply making an attempt to high up your account for a selected redemption, there are instances the place it is smart. Simply make sure you crunch the numbers to keep away from giving up useful Chase factors for subpar returns.
