There are numerous the reason why Chase Final Rewards is without doubt one of the hottest transferable factors currencies.
There’s the 5/24 rule, which incentivizes individuals to use for Chase playing cards first. There’s the Chase Sapphire Most well-liked Card, the almost universally really helpful starter card for somebody new to the factors passion. There’s the truth that Chase defines its bonus classes extra broadly than Citi and Amex. And eventually, there’s Chase’s array of invaluable switch companions.
Right this moment, we take a look at one particular space during which this system has a major aggressive benefit: redeeming Chase factors for resorts. There are a number of invaluable methods to place your Final Rewards factors towards your subsequent resort keep. Any of them may make sense beneath the suitable circumstances.
What are Chase’s resort companions?
You may switch your Final Rewards factors on a 1:1 foundation to the next Chase resort companions:
You may as well e-book just about any resort worldwide utilizing Final Rewards factors via the Chase Journey Portal, which we are going to clarify beneath.
How do I earn Chase Final Rewards factors?
There are numerous methods to earn 1 to 10 Chase factors per greenback spent. The precise quantity you earn will fluctuate relying on the particular Chase bank card you carry.
The primary three playing cards beneath earn absolutely transferable Final Rewards factors all by themselves, whereas the remaining 4 are technically billed as cash-back bank cards. Nevertheless, when you’ve got an Final Rewards-earning card, you possibly can successfully convert your cash-back rewards into Final Rewards factors. Because of this, it may well make sense to have a couple of Chase card to maximise your incomes and redeeming potential.
Listed below are the playing cards that permit you to earn Chase Final Rewards factors:
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Chase Sapphire Most well-liked Card
Welcome bonus: 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening
Why you need it: It is a unbelievable all-around journey bank card. It earns factors on the following charges:
- 5 factors per greenback spent on Lyft (via March 2025)
- 5 factors per greenback spent on all journey bought via Chase Final Rewards
- 3 factors per greenback spent on eating, together with eligible supply providers, takeout and eating out
- 3 factors per greenback spent on choose streaming providers
- 3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback spent on all different journey
- 1 level per greenback spent on all different purchases
The Sapphire Most well-liked has no overseas transaction charges and comes with many journey perks, together with delayed baggage insurance coverage, journey interruption/cancellation insurance coverage and first automobile rental insurance coverage.
Annual charge: $95
Utility hyperlink: Chase Sapphire Most well-liked Card
Chase Sapphire Reserve
Welcome bonus: 60,000 factors after you spend $4,000 on purchases within the first three months from account opening
Why you need it: The Sapphire Reserve affords incomes energy paired with journey perks that may simply cowl the annual charge. It earns factors on the following charges:
- 10 factors per greenback spent on Lyft (via March 2025)
- 10 factors per greenback spent on Chase Eating booked via Final Rewards
- 10 factors per greenback spent on resort and automobile rental purchases via the Final Rewards journey portal
- 5 factors per greenback spent on airline journey booked via the Final Rewards journey portal
- 3 factors per greenback spent on journey not booked via Chase
- 3 factors per greenback spent on different eating purchases
- 1 level per greenback spent on all different eligible purchases
Different perks embrace an easy-to-use $300 annual journey credit score and a charge credit score for World Entry or TSA PreCheck (as much as $100 as soon as each 4 years), in addition to Precedence Cross Choose lounge entry and entry to a rising listing of recent Sapphire lounges. This is without doubt one of the few playing cards that means that you can use your Precedence Cross membership for discounted meals in airport eating places. Cardholders additionally get main automobile rental protection, journey interruption/cancellation insurance coverage and different protections.
Annual charge: $550
Utility hyperlink: Chase Sapphire Reserve
Ink Enterprise Most well-liked Credit score Card
Welcome bonus: 100,000 factors after you spend $8,000 on purchases within the first three months from account opening
Why you need it: This is without doubt one of the finest bank cards for small-business homeowners, incomes 3 factors per greenback on the primary $150,000 spent in mixed purchases on journey, transport purchases, web, cable and cellphone providers, promoting made with social media websites and serps every account anniversary yr. You earn 1 level per greenback spent on all different purchases, and factors do not expire so long as your account is open.
Annual charge: $95
Utility hyperlink: Ink Enterprise Most well-liked Credit score Card
Money-back Chase bank cards
There are additionally 4 Chase bank cards which might be technically cash-back merchandise. Nevertheless, when you’ve got one of many three playing cards famous above, you possibly can mix your factors right into a single account, changing these cash-back rewards into absolutely transferable Final Rewards factors.
Even higher? None of those playing cards cost an annual charge.
Listed below are the 4 playing cards that supply this performance:
- Chase Freedom Flex: Earn $200 after you spend $500 within the first three months of account opening. Earn 5% again on choose bonus classes, which rotate each quarter, and apply as much as $1,500 in mixed spending (activation required). Plus, earn 5% on journey bought via Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply providers) and three% on drugstore purchases.
- Chase Freedom Limitless: Earn a further 1.5% money again on every part you purchase (on as much as $20,000 spent within the first yr). Plus, earn 5% on journey bought via Chase Final Rewards, 3% on eating at eating places (together with takeout and eligible supply providers) and three% on drugstore purchases. Earn 1.5% on all different purchases.
- Ink Enterprise Money Credit score Card: Earn $750 money again after you spend $6,000 on purchases within the first three months from account opening. Earn 5% money again on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable and cellphone providers every account anniversary yr (then 1%). Earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary yr (then 1%).
- Ink Enterprise Limitless Credit score Card: Earn $750 money again after you spend $6,000 on purchases within the first three months from account opening. Earn limitless 1.5% cash-back rewards on each buy.
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 associate. Whereas most recommendation about redeeming versatile factors for max 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 free evening awards ranging from simply 3,500 factors per evening on off-peak dates.
| Resort class | Off-peak factors per evening | Customary factors per evening | Peak factors per evening |
|---|---|---|---|
| 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 |
Generally, it may be exhausting to conceptualize what a 60,000-point bank card sign-up bonus will really get you, particularly for those who’re new to the factors world. Hyatt makes it simple, as that sign-up bonus may very well be value 12 nights (throughout normal pricing dates) at Class 1 resorts.
One other simple approach to redeem your Hyatt factors nicely above TPG’s 1.7 cent valuation is to have a look at Class 7 resorts. Whereas the award chart above has the next tier (Class 8), these properties require a major premium over Class 7 resorts. These extra 10,000 factors per evening will not be value it.
There are a number of luxurious Class 7 Hyatt resorts that price 25,000 factors throughout off-peak dates, 30,000 factors on normal pricing dates and 35,000 factors in the course of the peak season, together with Alila Villas Uluwatu in Bali, Indonesia, and the well-known Park Hyatt Tokyo. These properties can cost $600 (or extra) per evening, offering nice alternatives to fulfill or exceed TPG’s Hyatt valuation of 1.7 cents per level.
Lastly, it is value wanting carefully on the 350-plus luxurious resorts from SLH which have now been built-in into the World of Hyatt program. In some circumstances, 40,000 Chase factors transferred to Hyatt may snag you a villa that covers 1000’s of sq. toes in distant locales, such because the Viceroy Bali or the Amani Boutique Resort in Zanzibar, Tanzania.
Associated: How lengthy do Chase Final Rewards take to switch?
Transferring Chase Final Rewards factors to Marriott Bonvoy
Not like American Specific and Citi, which routinely supply switch bonuses to pick companions and even completely improve switch charges, Chase tends to stay to a 1:1 switch ratio for its 11 airline and three resort companions. You would possibly assume this can be a beneficiant determination, particularly since it really works out in your favor with Hyatt. Nevertheless, many resort chains have award charts with a lot larger (arguably inflated) redemption charges.
Whereas essentially the most you’d ever pay for a free evening at a top-tier Hyatt property is 45,000 factors, Marriott now makes use of dynamic pricing, which means there aren’t any limits to what number of factors a resort may cost a little per evening. In reality, six-figure redemptions aren’t unusual.
Typically talking, transferring Chase Final Rewards factors to Marriott presents a major loss in worth. TPG values Final Rewards factors at 2 cents every and Marriott factors at 0.84 cents every, however you would surrender much more worth. For a similar variety of Chase factors you’d redeem for a Park Hyatt Maldives Hadahaa room costing greater than $1,000 throughout normal pricing, you would e-book an evening on the Courtyard Bali Seminyak Resort.
So, does it ever make sense to switch Chase factors to Marriott? With the arguments towards doing so clearly laid out, listed here are a number of eventualities the place it’d make sense:
- In case your Marriott factors are set to run out, transferring 1,000 Final Rewards factors is a fast approach to preserve them alive.
- If there is a switch bonus (like the present 50% supply accessible via Sept. 30, 2023), you possibly can prime up your Marriott Bonvoy account for a selected invaluable redemption.
- Marriott factors are extremely versatile past resort bookings. That is as a result of Marriott is the one switch associate for some invaluable (however exhausting to earn) airline miles, reminiscent of Alaska Airways Mileage Plan and Korean Air SkyPass. Keep in mind that Marriott factors switch 3:1 to airline companions (plus a 5,000-mile bonus for each 60,000 factors transferred), so you may be dropping much more worth. Nonetheless, it’d make sense for those who’re simply shy of the factors wanted to e-book one among these candy spots.
If paid charges are low to your desired dates, you would choose to redeem your factors immediately via Chase Journey at a charge of 1.25 cents apiece for the Sapphire Most well-liked and Ink Enterprise Most well-liked or 1.5 cents apiece for the Sapphire Reserve. Nevertheless, this counts as a third-party reserving, so you will not be eligible to earn Marriott factors, and also you possible will not take pleasure in any relevant Marriott elite standing perks.
Associated: 9 issues to contemplate when selecting to e-book through a portal vs. reserving immediately
Transferring Chase Final Rewards factors to IHG One Rewards
For all the explanations that transferring Final Rewards factors to Marriott is dangerous, transferring to the IHG One Rewards program may be even worse. Along with there being no airline switch companions, IHG’s award pricing is much more inflated than Marriott’s, which means the identical variety of factors do not get you as far.
Like Marriott, this system does not publish a full award chart. To examine the charges, seek for your particular dates and see what number of factors you want.
Take the Vacation Inn Specific Columbus — Ohio Expo Heart. You may reserve the resort for twenty-four,000 IHG One Rewards factors.
TPG values 16,000 Chase factors at $320, however the money charge for this similar room is simply $116. In different phrases, the worth you may get to your Chase factors is severely beneath common.
Like with Marriott, you would possibly discover worth in transferring Chase factors to IHG to maintain IHG factors from expiring or for those who’re simply in need of a redemption — particularly when you’ve got entry to the fourth-night-free perk with the IHG One Rewards Premier Credit score Card. In any other case, it is nearly all the time a foul concept.
Chase Final Rewards portal and pay with factors bonus
In the event you’re a free-agent traveler and never loyal to a single resort chain, you would possibly discover the very best worth choices by reserving your resorts immediately via the Chase Final Rewards portal. That is very true for those who maintain the Chase Sapphire Reserve — which lets you redeem factors for journey at a charge of 1.5 cents every — or the Sapphire Most well-liked or the Ink Enterprise Most well-liked, each of which permit redemptions at 1.25 cents.
Alternatively, you possibly can e-book paid stays via the Chase journey portal and earn bonus rewards on these purchases (10 factors per greenback spent on the Sapphire Reserve and 5 factors per greenback spent on the Sapphire Most well-liked). This additionally would permit you to benefit from the yearly $50 assertion credit score you get on the Sapphire Most well-liked for resort purchases via the Chase journey portal.
Nevertheless, as talked about above, these bookings are made via a third-party on-line journey company. In consequence, you will not earn resort factors or resort elite evening credit usually, and if you have already got elite standing, you won’t obtain the advantages you are used to having fun with. This selection is thus finest for reserving smaller boutique resorts that do not take part in a significant loyalty program.
Backside line
Among the finest makes use of of Chase Final Rewards factors is transferring them to Hyatt and redeeming them at low-category or high-end properties. Outdoors of that, given the excessive award charges of Marriott Bonvoy and IHG One Rewards, you may be higher off boutique properties (or forgoing your elite advantages) by reserving immediately via the Chase 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 prime up your account for a selected redemption, there are circumstances the place it is smart. Simply remember to crunch the numbers and examine to be sure to’re not utilizing Chase factors for subpar worth.
