Chase Final Rewards factors are considered one of my favourite transferable rewards currencies as a result of sheer variety of high-value airline and lodge loyalty packages these factors let me entry. I typically switch Chase factors to World of Hyatt, however you may also switch Chase Final Rewards factors to many different companions, together with United MileagePlus.
This is find out how to switch Chase factors to United Airways and different issues it is best to know earlier than transferring your Final Rewards factors.
The way to switch Chase factors to United
To switch Chase factors to United, head to the Final Rewards web site, log into your account and choose your Final Rewards incomes card (you probably have a number of). You must land on a dashboard web page for the cardboard account you chose. For instance, this is the dashboard for my Ink Enterprise Most popular® Credit score Card (see charges and costs).
Click on on the “Journey” drop-down possibility on the prime of your dashboard, then choose “Switch factors to companions.”
You will go to a web page exhibiting all of the Chase switch companions. Scroll down, then click on on the United row. Doing so will take you to an info web page about transferring Chase factors to United.
To proceed, click on “Switch factors” to succeed in a web page the place you’ll be able to enter or verify your United MileagePlus info. I’ve already enrolled United MileagePlus accounts for my husband (a licensed person on my Ink Most popular account) and myself in my Final Rewards account, so I might switch Chase factors to both of our United accounts.
Enter the quantity of Chase factors you’d prefer to switch to United on the subsequent web page. It’s essential to switch at the least 1,000 factors and may solely switch in increments of 1,000 factors.
Click on “Subsequent” to succeed in a abstract web page earlier than clicking “Submit” to substantiate your switch request.
Associated: The way to redeem Chase Final Rewards factors for optimum worth
Day by day E-newsletter
Reward your inbox with the TPG Day by day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
How lengthy do Chase factors take to switch to United?
While you switch Chase factors to United, the miles will often seem in your MileagePlus account instantaneously.
Nonetheless, it could sometimes take longer for Chase factors to switch to United. You will nearly all the time see the miles in your account by the subsequent enterprise day, however it might take as much as seven enterprise days.
You will get an e mail from Chase that claims your factors switch is in progress when you verify your switch request, and you will get one other e mail from Chase as soon as your factors switch is full. So, if the miles do not seem in your United account instantaneously, keep watch over your e mail to know when the switch is full.
Chase to United switch ratio
The Chase to United switch ratio is 1:1. It’s essential to switch Chase factors in increments of 1,000 factors, which implies you’ll be able to convert 1,000 Chase factors into 1,000 United miles. You would possibly sometimes discover a switch bonus that enhances the Chase to United switch ratio, however these are uncommon.
Based mostly on TPG’s April 2025 valuations, Chase factors are price 2.05 cents every whereas United miles are price 1.35 cents every. You will lose theoretical worth if you switch Chase factors since transferable factors are inherently extra beneficial. However, as we’ll talk about within the subsequent part, this does not imply you should not switch Chase factors to United.
Associated: One of the best Chase bank cards so as to add to your pockets
Ought to I switch Chase factors to United?
As you learn this information, you would possibly wonder if it is best to switch Chase factors to United. This query is complicated, so I can not inform you with out understanding your state of affairs.
Nonetheless, United MileagePlus is not probably the most beneficial Chase switch associate primarily based on our valuations. For instance, whereas our April 2025 valuations peg the worth of United miles at 1.35 cents every, we worth another Chase switch companions, together with World of Hyatt, British Airways Membership, Air Canada Aeroplan and Virgin Atlantic Flying Membership, larger at 1.7 cents every for Hyatt and 1.4 cents every for British Airways, Air Canada and Virgin Atlantic.
It’s possible you’ll need to reserve your Chase Final Rewards factors for transfers to those higher-value companions — particularly if you have not accrued a large stash of Chase factors — however you may get a lot larger worth from United miles on some redemptions. Try our information on redeeming United miles to get began, then learn our information about maximizing United MileagePlus redemptions for extra tips about getting probably the most worth out of your United miles.
Even when you’re solely getting 1.35 cents per level when transferring Chase factors to United, that is larger than the 1.25 cents per level you may get when redeeming factors for journey by way of the Chase Journey℠ portal with the Chase Sapphire Most popular® Card (see charges and costs) or the Ink Enterprise Most popular Credit score Card. So, you probably have a variety of Chase factors or do not need to ebook awards with higher-value switch companions, transferring Chase factors to United is likely to be best for you.
Nonetheless, you probably have the Chase Sapphire Reserve® (see charges and costs), you may get 1.5 cents per level when redeeming by way of the Chase Journey portal. Due to this, Chase Sapphire Reserve cardholders ought to guarantee they’re going to get at the least 1.5 cents per mile on their United award earlier than transferring Chase factors to United.
Associated: Flights, bank cards and extra: The way to earn miles with the United MileagePlus program
The way to earn Chase factors
If you wish to switch Chase factors to United, you may additionally be inquisitive about how one can earn extra Chase factors. Listed below are the incomes charges, welcome affords and annual charges of a few of the hottest at the moment obtainable Chase Final Rewards playing cards:
| Card | Welcome provide | Incomes fee | Annual price |
|---|---|---|---|
| Chase Sapphire Most popular Card | Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. |
|
$95 |
| Chase Sapphire Reserve | Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. |
|
$550 |
| Chase Freedom Flex® (see charges and costs) | Earn $200 money again after spending $500 on purchases within the first three months from account opening. |
|
No annual price |
| Chase Freedom Limitless® (see charges and costs) | Earn $250 money again after spending $500 on purchases within the first three months from account opening. |
|
No annual price |
| Ink Enterprise Most popular Credit score Card | Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months after account opening. |
|
$95 |
| Ink Enterprise Money® Credit score Card (see charges and costs) | Earn $350 money again after spending $3,000 on purchases within the first three months after account opening, plus a further $400 after spending $6,000 on purchases within the first six months after account opening. |
|
No annual price |
| Ink Enterprise Limitless® Credit score Card (see charges and costs) | Earn $750 money again after spending $6,000 on purchases within the first three months from account opening. |
|
No annual price |
A few of these playing cards earn cash-back rewards as a substitute of factors, however you’ll be able to mix rewards from all of your Final Rewards playing cards right into a single account. If the account you utilize to gather all of your rewards is your Sapphire Reserve, Sapphire Most popular or Ink Enterprise Most popular account, you will have a stash of factors you’ll be able to switch to Chase switch companions.
Associated: How (and why) to mix your Chase Final Rewards factors right into a single account
Backside line
Now you understand how to switch Chase factors to United.
It may be daunting the primary time you go to switch Chase factors. Nonetheless, as this text exhibits, transferring Chase factors to loyalty packages like United MileagePlus is not exhausting. As soon as you discover an award flight you need to ebook by way of United MileagePlus, comply with the steps above to switch the variety of factors you might want to ebook your award flight.
Bear in mind, it’s essential to switch factors in increments of 1,000, so you might have to switch barely extra factors than you might want to ebook your flight.
