Chase Final Rewards factors are a favourite forex amongst TPG employees, partly as a result of you may switch them to a wide range of airline and lodge companions. I usually switch my factors to Southwest Speedy Rewards, the place I can redeem them for award tickets to locations in North America, Central America and the Caribbean — and generally stretch my factors even additional with the dear Companion Move.
Earn 100,000 bonus Chase Final Rewards factors after spending $5,000 on purchases within the first three months after account opening with the Chase Sapphire Most well-liked® Card (see charges and costs).
Nevertheless, relying on the Chase bank card you’ve, it’s possible you’ll be higher off reserving Southwest Airways flights instantly by means of Chase Journey℠, as this could require fewer factors and mean you can earn Speedy Rewards factors on the ticket.
Here is every little thing you have to learn about transferring your Chase factors to Southwest.
Associated: How TPG’s factors and miles consultants maximize Chase Final Rewards factors
switch Chase factors to Southwest
One of many nice issues about transferable factors is you could redeem them for award flights with airways you have by no means flown or accrued factors or miles with earlier than. But when that is the case, you will have to arrange a Southwest Speedy Rewards account earlier than you may switch your Chase factors to Southwest.
Head to Southwest’s website to create one free of charge. Then, go to your Chase portal and go into your Final Rewards account. Click on “Journey” on the highest toolbar, and select “Switch factors to companions.”
On the subsequent display screen, you will see an inventory of Chase’s journey companions, with any accessible switch bonuses famous on the high. Scroll down, and click on on the Southwest possibility.
It will take you to a web page with some guidelines about transferring your factors to Southwest. As an illustration, factors transferred through the Chase portal are usually not eligible for Southwest standing. You will additionally must pay taxes and costs on Speedy Rewards factors redemptions.
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After reviewing the tremendous print, click on the blue “Switch Factors” button on the backside proper.
On the next web page, you will have to enter your Southwest Speedy Rewards quantity. Chase additionally permits you to switch factors to 1 approved person in your Chase account, so you possibly can enter their Speedy Rewards quantity as an alternative. When you full this step, click on “Subsequent.”
Then, enter the variety of factors you need to switch. This have to be a a number of of 1,000, so you could have to switch a number of extra factors than you want in your redemption.
The subsequent web page offers you an opportunity to evaluation your data earlier than processing the switch. Keep in mind that transfers are irreversible, so make certain you’ve a redemption in thoughts and have confirmed award house availability earlier than you switch. It is also a good suggestion to double-check the spelling of your title, your Speedy Rewards quantity and what number of factors you are transferring earlier than you hit “Submit.” An harmless typo might trigger you to switch hundreds of hard-earned factors if you meant to switch solely 10,000.
When you’re prepared to finish the switch, click on “Submit” and wait in your factors to hit your Speedy Rewards account.
In keeping with Chase’s website, “Most level transfers course of by the subsequent enterprise day, however could take as much as 7 enterprise days.” Nevertheless, TPG’s assessments have proven that almost all transfers to Southwest occur immediately. Which means you possibly can be reserving your award flight mere minutes after transferring your Chase factors.
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Chase-to-Southwest switch ratio
As with all of Chase’s present switch companions, Final Rewards factors switch to Southwest at a ratio of 1:1. Nevertheless, you could possibly get a fair higher ratio in the event you can benefit from a switch bonus. Chase switch bonuses are sporadic, however in the event you discover one which aligns together with your journey plans, it can save you your self hundreds of factors.
Associated: Greatest Southwest Airways bank cards
Ought to I switch Chase factors to Southwest?
In keeping with TPG’s April 2025 valuations, Chase factors are price 2.05 cents every, whereas Speedy Rewards factors are solely price 1.4 cents every. That is as a result of transferable factors’ flexibility makes them inherently extra invaluable.
Southwest traditionally priced award flights based mostly on money charges, so that you’d usually get a price proper round 1.4 cents per level when redeeming Speedy Rewards factors for flights. Nevertheless, the airline not too long ago switched to variable redemption charges, that means you may get far roughly worth out of your factors. This may increasingly result in extra candy spots within the Speedy Rewards program, just like different Chase switch companions like United Airways, Air France and Hyatt.
Earlier than transferring your factors to Southwest, ensure this airline makes essentially the most sense. Check out Chase’s different airline companions first and evaluate award charges and flight particulars, in addition to add-ons it’s possible you’ll have to buy, like checked luggage and seat choice charges. If Southwest is working a sale in your desired route or is providing flights at a greater time for you than different airways, it might be the most suitable choice. The identical goes if you have already got a stash of Speedy Rewards factors or a Companion Move in your account.
As an illustration, a few years in the past, I transferred Chase Final Rewards factors to my Speedy Rewards account to buy a round-trip ticket to Turks and Caicos. My ticket value 46,000 factors, however due to the Companion Move I had on the time, I obtained my companion’s ticket for simply the price of taxes and costs. Consequently, I spent 46,000 Chase factors on two seats that will have value practically $1,400 complete, giving me a price of round 3 cents per level. I could not have gotten that form of take care of every other airline.
However most significantly, ensure it is not a greater deal to easily e book your Southwest flights instantly by means of Chase Journey. Relying on the Chase card you’ve, you will get a price of 1.25 cents per level or 1.5 cents per level. Plus, flights booked this fashion will earn Speedy Rewards factors like a traditional income ticket. This might make it a greater possibility, relying on the flight you take.
For instance, this one-way flight from Orlando Worldwide Airport (MCO) to Louis Armstrong New Orleans Worldwide Airport (MSY) in February would value 16,000 factors plus $5.60 in taxes and costs when booked by means of Southwest.
Nevertheless, since my Chase Sapphire Most well-liked offers me 1.25 cents per level by means of Chase Journey, I can e book the identical flight for 14,919 factors — and earn Speedy Rewards factors within the course of. When you maintain the Chase Sapphire Reserve® (see charges and costs), which provides 1.5 cents in worth per level by means of Chase Journey, you possibly can e book the identical flight for simply 12,467 factors.
In actual fact, you are higher off reserving all of Southwest’s fare lessons instantly by means of Chase Journey on this flight. In every case, you will redeem fewer Chase factors than in the event you transferred them to your Speedy Rewards account.
Nevertheless, if you have already got an honest stability of Speedy Rewards factors and simply have to high off your account to have sufficient for the award ticket, transferring from Chase to Southwest might make extra sense.
As such, it is essential to all the time evaluate costs with Chase Journey and Southwest to be sure to’re not utilizing extra factors than you have to.
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earn Chase factors
The extra Final Rewards factors you accrue, the earlier you may redeem your subsequent free journey with Southwest or any of Chase’s different companions. Listed below are a few of TPG’s favourite playing cards that may allow you to earn Final Rewards factors by means of welcome bonuses and on a regular basis spending:
Nevertheless, you are not restricted to only these Chase playing cards. I personally love the Chase Freedom Flex® (see charges and costs) and the Chase Freedom Limitless® (see charges and costs). They do not earn Final Rewards factors by themselves, however in the event you additionally maintain one of many playing cards listed above, you may flip these cash-back factors into full-fledged Final Rewards factors and switch them to any of Chase’s companions.
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Backside line
When you’ve by no means transferred factors from Chase, it may be a bit of nerve-wracking to look at the factors vanish out of your account and watch for them to look in an airline or lodge companion account. Fortunately, the method is normally clean and nearly instantaneous. Simply make sure you verify the variety of factors you want, and be sure to cannot get a greater deal through the use of your factors instantly by means of Chase Journey. Then, observe the steps above to switch your factors.
