Chase Final Rewards factors are a favourite forex amongst TPG employees, partly as a result of you possibly can switch them to quite a lot of airline and resort companions. I typically switch my factors to Southwest Fast Rewards, the place I can redeem them for award tickets to locations in North America, Central America and the Caribbean — and typically stretch my factors even additional with the precious 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 charges).
Nevertheless, relying on the Chase bank card you might have, you could be higher off reserving Southwest Airways flights immediately by way of Chase Journey℠, as this could require fewer factors and mean you can earn Fast Rewards factors on the ticket.
This is every little thing you’ll want to find out about transferring your Chase factors to Southwest.
Associated: How TPG’s factors and miles specialists maximize Chase Final Rewards factors
The way to switch Chase factors to Southwest
One of many nice issues about transferable factors is that you could redeem them for award flights with airways you’ve got 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 Fast Rewards account earlier than you possibly can 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 following display, you will see a listing of Chase’s journey companions, with any obtainable switch bonuses famous on the high. Scroll down, and click on on the Southwest choice.
This may take you to a web page with some guidelines about transferring your factors to Southwest. For example, factors transferred by way of the Chase portal will not be eligible for Southwest standing. You will additionally must pay taxes and charges on Fast 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 Fast Rewards quantity. Chase additionally permits you to switch factors to 1 approved person in your Chase account, so you might enter their Fast Rewards quantity as a substitute. 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 will have to switch a couple of extra factors than you want on your redemption.
The subsequent web page offers you an opportunity to evaluation your info earlier than processing the switch. Do not forget that transfers are irreversible, so make sure you might have 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 Fast 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.
Should you’re prepared to finish the switch, click on “Submit” and wait on your factors to hit your Fast Rewards account.
In accordance with Chase’s website, “Most level transfers course of by the following enterprise day, however might take as much as 7 enterprise days.” Nevertheless, TPG’s checks have proven that almost all transfers to Southwest occur immediately. Meaning you might 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 might be able to get a good higher ratio in case you can reap the benefits of a switch bonus. Chase switch bonuses are sporadic, however in case 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 accordance with TPG’s April 2025 valuations, Chase factors are value 2.05 cents every, whereas Fast Rewards factors are solely value 1.4 cents every. That is as a result of transferable factors’ flexibility makes them inherently extra invaluable.
Southwest traditionally priced award flights primarily based on money charges, so that you’d sometimes get a worth proper round 1.4 cents per level when redeeming Fast Rewards factors for flights. Nevertheless, the airline lately switched to variable redemption charges, that means you will get far kind of worth out of your factors. This will result in extra candy spots within the Fast Rewards program, much like different Chase switch companions like United Airways, Air France and Hyatt.
Earlier than transferring your factors to Southwest, ensure this airline makes probably the most sense. Check out Chase’s different airline companions first and examine award charges and flight particulars, in addition to add-ons you could 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 could be the most suitable choice. The identical goes if you have already got a stash of Fast Rewards factors or a Companion Move in your account.
For example, a few years in the past, I transferred Chase Final Rewards factors to my Fast Rewards account to buy a round-trip ticket to Turks and Caicos. My ticket value 46,000 factors, however because of the Companion Move I had on the time, I acquired my associate’s ticket for simply the price of taxes and charges. In consequence, I spent 46,000 Chase factors on two seats that will have value almost $1,400 complete, giving me a worth of round 3 cents per level. I could not have gotten that sort of take care of some other airline.
However most significantly, ensure it is not a greater deal to easily e book your Southwest flights immediately by way of Chase Journey. Relying on the Chase card you might have, you will get a worth of 1.25 cents per level or 1.5 cents per level. Plus, flights booked this fashion will earn Fast Rewards factors like a standard income ticket. This might make it a greater choice, 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 charges when booked by way of Southwest.
Nevertheless, since my Chase Sapphire Most well-liked provides me 1.25 cents per level by way of Chase Journey, I can e book the identical flight for 14,919 factors — and earn Fast Rewards factors within the course of. Should you maintain the Chase Sapphire Reserve® (see charges and charges), which affords 1.5 cents in worth per level by way of Chase Journey, you might e book the identical flight for simply 12,467 factors.
In truth, you are higher off reserving all of Southwest’s fare courses immediately by way of Chase Journey on this flight. In every case, you will redeem fewer Chase factors than in case you transferred them to your Fast Rewards account.
Nevertheless, if you have already got a good steadiness of Fast 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 necessary to at all times examine costs with Chase Journey and Southwest to be sure you’re not utilizing extra factors than you’ll want to.
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The way to earn Chase factors
The extra Final Rewards factors you accrue, the earlier you possibly can redeem your subsequent free journey with Southwest or any of Chase’s different companions. Listed here are a few of TPG’s favourite playing cards that may allow you to earn Final Rewards factors by way of welcome bonuses and on a regular basis spending:
Nevertheless, you are not restricted to simply these Chase playing cards. I personally love the Chase Freedom Flex® (see charges and charges) and the Chase Freedom Limitless® (see charges and charges). They do not earn Final Rewards factors by themselves, however in case you additionally maintain one of many playing cards listed above, you possibly can 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
Should 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 look ahead to them to look in an airline or resort associate account. Fortunately, the method is normally easy and virtually instantaneous. Simply make sure you affirm the variety of factors you want, and be sure you cannot get a greater deal by utilizing your factors immediately by way of Chase Journey. Then, observe the steps above to switch your factors.
