Chase Final Rewards factors make a superb basis for an award traveler’s portfolio.
Like different transferable loyalty currencies, these factors could be redeemed for extremely worthwhile awards by means of airline and lodge switch companions.
As with all transferable factors program, a necessary facet of utilizing Chase Final Rewards factors is figuring out how lengthy it takes to switch them to whichever associate you need to make the most of. Lengthy switch occasions make planning and reserving awards tougher, particularly when availability is restricted. American Specific Membership Rewards gives some instantaneous transfers, whereas Citi ThankYou Rewards transfers can take as much as every week.
Here is what you may anticipate with switch occasions to your Chase factors.
Associated: Greatest bank cards
Chase Final Rewards switch occasions
We enlisted the assistance of quite a few TPG teammates to find out the time it takes for Chase Final Rewards factors to switch to companions.
We gathered knowledge factors the place staffers transferred factors to their corresponding particular person airline and lodge associate accounts during the last a number of months. We then tracked how lengthy it took for them to point out up. Here is what we discovered:
Out of the 14 packages, Final Rewards transferred to 13 companions immediately, and we by no means waited greater than two days for factors to look in any program. Generally, any relevant switch bonuses are additionally posted immediately, although TPG bank card author Danyal Ahmed did have to attend a number of hours for his Aeroplan bonus to reach in December 2024.
In fact, these switch occasions symbolize our experiences and should not be thought of hard-and-fast guidelines. Nevertheless, others have reported an analogous timeline when transferring factors from Chase Final Rewards.
Day by day E-newsletter
Reward your inbox with the TPG Day by day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Your transfers could also be quicker or slower — particularly if it is your first switch otherwise you only recently signed up with a loyalty program — however you need to use them as tips when planning your journeys.
Associated: Chase Final Rewards candy spots: From worldwide enterprise class to home journey
Issues to contemplate earlier than transferring Final Rewards
Whereas these outcomes set a excessive bar for any transferable factors program, there’s nonetheless some danger that award availability can change whereas ready for factors to look in your account. Transfers within the majority of instances are irreversible, so you would be caught with 1000’s of factors in a program you may have little use for if the flight or lodge room you have been banking on disappears.
Not too long ago, TPG bank card author Danyal Ahmed transferred factors to Aeroplan to guide a Turkish Airways award ticket on-line, however stored receiving an error through the cost course of.
A fast name to Aeroplan decided a disconnect between their programs and Turkish Airways for availability, and due to this, Aeroplan supplied to reverse the switch because the phantom availability displaying was their mistake.
Regardless that Final Rewards factors switch virtually immediately, take into account the next ideas that can assist you keep away from a scenario through which award availability disappears whereas ready for factors to switch.
- Be sure the title in your Chase bank card matches the title in your loyalty program account precisely.
- If this system permits, place your award reservation on maintain earlier than transferring your factors.
- Select flights which have a couple of obtainable award seat. That is useful in case another person books earlier than your factors or miles present up. You are able to do a single seek for three or 4 passengers, which ought to offer you an thought of what number of seats are open.
- Have a backup plan. In case your unique itinerary is kaput as a result of availability has dried up, take into account another choice (or a number of choices) so you may nonetheless guide when your factors arrive.
In case your unique flights disappear, do not panic. Keep in mind that award availability modifications regularly and might enhance dramatically as your departure date approaches. Verify often, and be able to act rapidly when seats do open up.
Associated: Touring in 2025? These 12 apps and web sites make award redemptions simpler to seek out
Are you able to switch Final Rewards to another person’s account?
Chase permits you to switch factors freely amongst your personal accounts. You may even convert cash-back rewards earned with a card just like the Chase Freedom Flex® or the Chase Freedom Limitless® (see charges and charges) into transferable Final Rewards factors, however you may want an Final Rewards-earning card to be eligible for this switch choice.
The data for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
You too can switch your factors to a different Final Rewards account belonging to your partner or family member. When you have a enterprise card just like the Ink Enterprise Most popular® Credit score Card (see charges and charges), you may switch your factors to an Final Rewards account belonging to an organization co-owner.
Methods to earn Chase Final Rewards factors
When you’re trying to give your Final Rewards account a lift, there are at the moment three Chase playing cards providing beneficiant rewards and substantial welcome bonuses:
Simply understand that Chase enforces the 5/24 rule, which means that in case you’ve opened 5 (or extra) playing cards at any financial institution within the final 24 months, you’ll seemingly not be accredited by Chase.
*The promotional journey credit score is legitimate for a one-time use solely, in case you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining stability.
Backside line
Transferring Final Rewards factors to airline and lodge companions is commonly the easiest way to get essentially the most worth out of your factors.
Whether or not you are trying to guide an affordable home ticket by means of Southwest Airways or a first-class Star Alliance journey, this program may help you get there. With factors transferring immediately at a 1:1 ratio to almost all switch companions, incomes Final Rewards factors is value it for nearly any traveler.
Associated: The very best methods to make use of your Chase 5/24 slots
