There are a lot of explanation why Chase Final Rewards factors are one of the vital fashionable transferable rewards currencies. Most noteworthy, this system affords an array of priceless airline and resort switch companions. Utilizing Chase’s switch companions may help you maximize your factors and procure a price of effectively over 2 cents per level.
Plus, even for those who resolve to not switch your factors to one in all Chase’s 14 companions, you may redeem your factors for flights, resort stays and extra at a set charge between 1 and 1.5 cents per level by way of the Chase Journey℠ portal, relying on the Chase card in your pockets.
And for those who’re trying to earn a ton of Chase factors, the Chase Sapphire Most popular® Card (see charges and charges) is at present providing a highest-ever 100,000-point welcome bonus after you spend $5,000 on purchases inside 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 bunch, if not 1000’s, of {dollars} on resort bills. Nevertheless, there are specific suggestions and methods that can assist you maximize your factors on a resort keep.
Preserve studying to search out out priceless methods to redeem your Final Rewards factors towards your subsequent resort keep.
Provide alert: Add 100,000 Final Rewards factors to your steadiness with this limited-time provide on the Chase Sapphire Most popular.
Who’re Chase’s resort companions?
You’ll be able to switch your Final Rewards factors on a 1:1 foundation to Chase’s three resort companions, permitting you to redeem factors for resort stays by way of these applications:
It’s also possible to ebook just about any resort worldwide utilizing Final Rewards factors by way of 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 companion. To redeem Chase Final Rewards factors for Hyatt resort stays, all it’s a must to do is enter your World of Hyatt data into your Chase Final Rewards account and switch the factors it is advisable to your Hyatt account. Transfers are normally instantaneous, permitting you to ebook your Hyatt stick with factors nearly instantly.
Day by day E-newsletter
Reward your inbox with the TPG Day by day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Whereas most recommendation about redeeming versatile factors for optimum worth facilities round airline switch companions, Hyatt’s very affordable award chart is a compelling exception. You may 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.
| Lodge class | Off-peak factors per night time | Customary 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 popular’s 100,000-point welcome bonus can be sufficient to ebook 4 nights at a Class 6 resort just like the Hyatt Regency Maui Resort and Spa on commonplace dates or 4 nights at an opulent Class 7 property just like the Park Hyatt Maldives Hadahaa on off-peak dates.
Class 7 motels are an awesome choice for Chase Hyatt redemptions; you may typically get effectively 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 further 10,000 factors per night time will not be value it.
Lastly, it is value contemplating the 700-plus boutique and luxurious motels from Mr & Mrs Smith which have now been built-in into the World of Hyatt program. As a substitute 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 tougher to maximise the worth of your factors, however there should still be some worthwhile redemptions to be discovered, particularly you probably have your eye on an ultraluxurious property that may be out of attain with money.
Associated: Finest Hyatt motels on the earth
Transferring Chase Final Rewards factors to Marriott Bonvoy
Sadly, not all of Chase’s resort companions are as helpful for redeeming Final Rewards factors.
Marriott Bonvoy did away with its award chart in 2022, leading to a lot increased (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 aren’t any limits to what number of factors a resort can value. In actual fact, six-figure redemptions aren’t 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, based on our April 2025 estimates, in comparison with solely 0.7 cents every for Marriott factors — however you might 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 a substitute, you might use 35,000 Chase factors to ebook a peak night time on the Class 7 Park Hyatt Maldives Hadahaa, value $800 or extra.
So, do you have to ever switch Chase factors to Marriott Bonvoy? Listed here are just a few eventualities the place it’d make sense:
- When you’ve got a Marriott redemption in thoughts however are quick just a few factors, you could wish 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 solution to preserve 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 priceless Marriott redemption.
- Marriott’s “Keep for five, Pay for 4” provide lets members ebook a free award night time on stays of 5 consecutive nights or longer. This perk can prevent tens of 1000’s of factors.
- Marriott factors are extremely versatile past resort bookings. That is as a result of Marriott is amongst a small variety of switch companions for some applications with priceless however hard-to-earn airline miles, resembling Alaska Airways Mileage Plan and Japan Airways Mileage Financial institution. Keep in mind 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 will be shedding much more worth. Nonetheless, it’d make sense for those who’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 unhealthy, transferring to the IHG One Rewards program may be even worse. IHG’s award pricing is much more inflated than Marriott’s, that means the identical variety of factors will not get you as far.
Like Marriott, IHG One Rewards would 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 Middle. You’ll be able to reserve an ordinary room for 31,000 IHG One Rewards factors.
TPG values 31,000 Chase factors at $635.50, however the money charge for this room is simply $162. In different phrases, the worth you will get in your Chase factors is way under common.
Nevertheless, you could discover worth in transferring Chase factors to IHG to maintain IHG factors from expiring or for those who’re simply wanting a redemption — particularly you probably have entry to the fourth-night-free perk offered by choose IHG bank cards. In any other case, it is nearly at all times a foul concept.
Associated: IHG elite standing: What it’s and tips on how to earn it
Redeeming Chase Final Rewards factors by way of the Chase Journey portal
As a substitute of paying with money in your resort keep, you will have the choice to pay with factors at a set charge that varies relying on which card you maintain:
As you may see, you will get essentially the most worth by way of 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 value solely 10,800 Chase factors — in comparison with 31,000 factors for those who transferred them to IHG to ebook the keep.
Alternatively, you may ebook paid stays by way of the Chase Journey portal and earn bonus rewards on these purchases. The Chase Sapphire Reserve earns 10 factors per greenback spent on motels bought by way of Chase Journey, whereas the Chase Sapphire Most popular, the Chase Freedom Flex and the Chase Freedom Limitless earn 5 factors per greenback (or 5% money again). This additionally would let you make the most of the Sapphire Most popular’s annual $50 resort credit score that’s solely legitimate on Chase Journey bookings.
Take into account that since Chase Journey is a third-party on-line journey company, you usually will not earn resort factors or elite night time credit on these bookings or be capable to entry any elite standing advantages you might have. The exception is The Edit by Chase Journey, which lets you double-dip with the resort’s loyalty program at some properties.
Associated: Issues to contemplate when selecting to ebook by way of a portal vs. reserving instantly
How do I earn Chase Final Rewards factors?
You’ll be able to 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 popular: 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 popular: 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 quite a lot of different journey perks.
The next 4 playing cards are technically billed as cash-back bank cards. Nevertheless, you probably have an Final Rewards-earning card, you may successfully convert your cash-back rewards into Final Rewards factors. Because of this, it may 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 payment.
- 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 a further $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 motels. Exterior of that, given the excessive award charges of Marriott Bonvoy and IHG One Rewards, you is perhaps higher off redeeming your Chase Final Rewards factors for boutique and unbiased motels on the Chase Journey portal.
So, is it ever value transferring Chase factors to IHG One Rewards or Marriott Bonvoy for a resort redemption? If there is a switch bonus otherwise you’re simply attempting to high up your account for a particular redemption, there are circumstances the place it is smart. Simply make sure you crunch the numbers to keep away from giving up priceless Chase factors for subpar returns.
