Best ways to redeem Chase Ultimate Rewards points for hotel stays

There are many reasons why Chase Ultimate Rewards points are one of the most popular transferable rewards currencies. Most noteworthy, the program offers an array of valuable airline and hotel transfer partners. Using Chase's transfer partners can help you maximize your points and obtain a value of well over 2 cents per point.

Plus, even if you decide not to transfer your points to one of Chase's 14 partners, you can redeem your points for flights, hotel stays and more at a fixed rate between 1 and 1.5 cents per point through the Chase Travel℠ portal, depending on the Chase card in your wallet.

And if you're looking to earn a ton of Chase points, the Chase Sapphire Preferred® Card (see rates and fees) is currently offering a highest-ever 100,000-point welcome bonus after you spend $5,000 on purchases within the first three months of account opening. With a large sum of Chase points in your account, you can start planning your next getaway and saving yourself hundreds, if not thousands, of dollars on hotel expenses. However, there are certain tips and tricks to help you maximize your points on a hotel stay.

Keep reading to find out valuable ways to redeem your Ultimate Rewards points toward your next hotel stay.

Offer alert: Add 100,000 Ultimate Rewards points to your balance with this limited-time offer on the Chase Sapphire Preferred.

Who are Chase's hotel partners?

You can transfer your Ultimate Rewards points on a 1:1 basis to Chase's three hotel partners, allowing you to redeem points for hotel stays through these programs:

• World of Hyatt
• Marriott Bonvoy
• IHG One Rewards

You can also book virtually any hotel worldwide using Ultimate Rewards points through the Chase Travel portal.

Transferring Chase Ultimate Rewards points to World of Hyatt

Chase's secret maximization weapon is the lucrative World of Hyatt loyalty program, a 1:1 transfer partner. To redeem Chase Ultimate Rewards points for Hyatt hotel stays, all you have to do is enter your World of Hyatt information into your Chase Ultimate Rewards account and transfer the points you need to your Hyatt account. Transfers are usually instant, allowing you to book your Hyatt stay with points almost immediately.

Daily Newsletter

Reward your inbox with the TPG Daily newsletter

Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts

By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.

While most advice about redeeming flexible points for maximum value centers around airline transfer partners, Hyatt's very reasonable award chart is a compelling exception. You'll find sweet-spot redemptions at both the upper and lower ends of the chart, with award rates starting at just 3,500 points per night for Category 1 properties on off-peak dates.

To put these numbers into more concrete terms, the Chase Sapphire Preferred's 100,000-point welcome bonus would be enough to book four nights at a Category 6 hotel like the Hyatt Regency Maui Resort and Spa on standard dates or four nights at a luxurious Category 7 property like the Park Hyatt Maldives Hadahaa on off-peak dates.

Category 7 hotels are a great option for Chase Hyatt redemptions; you can often get well above TPG's April 2025 valuation of 1.7 cents apiece at these properties. While the award chart above has a higher tier (Category 8), those properties require a significant premium over Category 7 resorts. Those additional 10,000 points per night may not be worth it.

Finally, it's worth considering the 700-plus boutique and luxury hotels from Mr & Mrs Smith that have now been integrated into the World of Hyatt program. Instead of using Hyatt's award chart, Mr & Mrs Smith properties are dynamically priced and cannot be booked with free night certificates. This makes it harder to maximize the value of your points, but there may still be some worthwhile redemptions to be found, especially if you have your eye on an ultraluxurious property that would be out of reach with cash.

Related: Best Hyatt hotels in the world

Transferring Chase Ultimate Rewards points to Marriott Bonvoy

Unfortunately, not all of Chase's hotel partners are as useful for redeeming Ultimate Rewards points.

Marriott Bonvoy did away with its award chart in 2022, resulting in much higher (arguably inflated) redemption rates. While the most you'd ever pay for a night at a top-tier Hyatt property is 45,000 points, Marriott's new dynamic pricing model means there are no limits to how many points a hotel can cost. In fact, six-figure redemptions are not uncommon.

Generally speaking, transferring Chase Ultimate Rewards points to Marriott presents a significant loss in value. TPG values Chase points at 2.05 cents each, according to our April 2025 estimates, compared to only 0.7 cents each for Marriott points — but you could give up even more value. For example, basic rooms at Marriott's Courtyard Bali Seminyak Resort go for around $200 or 31,000 points per night. Instead, you could use 35,000 Chase points to book a peak night at the Category 7 Park Hyatt Maldives Hadahaa, worth $800 or more.

So, should you ever transfer Chase points to Marriott Bonvoy? Here are a few scenarios where it might make sense:

• If you have a Marriott redemption in mind but are short a few points, you may want to top up your account by transferring points from Chase Ultimate Rewards.
• If your Marriott points are set to expire, transferring 1,000 Ultimate Rewards points is a quick way to keep them alive.
• If Chase is running a transfer bonus, you can transfer points to Marriott Bonvoy at a better ratio and use them toward a valuable Marriott redemption.
• Marriott's "Stay for 5, Pay for 4" offer lets members book a free award night on stays of five consecutive nights or longer. This perk can save you tens of thousands of points.
• Marriott points are incredibly versatile beyond hotel bookings. That's because Marriott is among a small number of transfer partners for some programs with valuable but hard-to-earn airline miles, such as Alaska Airlines Mileage Plan and Japan Airlines Mileage Bank. Remember that Marriott points transfer at a 3:1 ratio to airline partners (plus a 5,000-mile bonus for every 60,000 points transferred), so you'll be losing even more value. Still, it might make sense if you're just shy of the points needed to book one of these sweet spots.

Related: Ways to maximize Marriott Bonvoy award night redemptions

Transferring Chase Ultimate Rewards points to IHG One Rewards

For all the reasons that transferring Ultimate Rewards points to Marriott is bad, transferring to the IHG One Rewards program can be even worse. IHG's award pricing is even more inflated than Marriott's, meaning the same number of points won't get you as far.

Like Marriott, IHG One Rewards doesn't publish a full award chart. To check award rates, search for your specific dates and see how many points you need.

Take the Holiday Inn Express Columbus — Ohio Expo Center. You can reserve a standard room for 31,000 IHG One Rewards points.

TPG values 31,000 Chase points at $635.50, but the cash rate for this room is just $162. In other words, the value you'll get for your Chase points is far below average.

However, you may find value in transferring Chase points to IHG to keep IHG points from expiring or if you're just short of a redemption — especially if you have access to the fourth-night-free perk provided by select IHG credit cards. Otherwise, it's almost always a bad idea.

Related: IHG elite status: What it is and how to earn it

Redeeming Chase Ultimate Rewards points via the Chase Travel portal

If you're a free-agent traveler and not loyal to a single hotel chain, you might find the best use of your Chase points is through the Chase Travel portal. This allows you to redeem Chase Ultimate Rewards points for many independent hotels that would otherwise not be bookable with points.

Instead of paying with cash for your hotel stay, you'll have the option to pay with points at a fixed rate that varies depending on which card you hold:

• Chase Sapphire Reserve® (see rates and fees): Redeem your points at a rate of 1.5 cents each through the portal.
• Chase Sapphire Preferred and Ink Business Preferred® Credit Card (see rates and fees): Redeem your points at a rate of 1.25 cents each through the portal.
• Chase Freedom Flex® (see rates and fees), Chase Freedom Unlimited® (see rates and fees), Ink Business Cash® Credit Card (see rates and fees) and Ink Business Unlimited® Credit Card (see rates and fees): If you don't hold another card that earns Ultimate Rewards points, your rewards are worth 1 cent each through the portal.

As you can see, you'll get the most value through Chase Travel with a card that earns Chase Ultimate Rewards points. For example, let's go back to our $162 Holiday Inn Express Columbus stay. If you held the Chase Sapphire Reserve, this stay would cost only 10,800 Chase points — compared to 31,000 points if you transferred them to IHG to book the stay.

Alternatively, you can book paid stays through the Chase Travel portal and earn bonus rewards on those purchases. The Chase Sapphire Reserve earns 10 points per dollar spent on hotels purchased through Chase Travel, while the Chase Sapphire Preferred, the Chase Freedom Flex and the Chase Freedom Unlimited earn 5 points per dollar (or 5% cash back). This also would allow you to take advantage of the Sapphire Preferred's annual $50 hotel credit that is only valid on Chase Travel bookings.

Keep in mind that since Chase Travel is a third-party online travel agency, you generally won't earn hotel points or elite night credits on these bookings or be able to access any elite status benefits you may have. The exception is The Edit by Chase Travel, which allows you to double-dip with the hotel's loyalty program at some properties.

Related: Things to consider when choosing to book via a portal vs. booking directly

How do I earn Chase Ultimate Rewards points?

You can earn Ultimate Rewards points by spending on select Chase credit cards. Here are the cards that earn Ultimate Rewards points, along with their current welcome bonuses:

• Chase Sapphire Preferred: Earn 100,000 bonus points after spending $5,000 on purchases in the first three months of account opening.
• Chase Sapphire Reserve: Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
• Ink Business Preferred: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.

The above Ultimate Rewards-earning options are great all-around travel credit cards, offering no foreign transaction fees, travel insurance and a variety of other travel perks.

The following four cards are technically billed as cash-back credit cards. However, if you have an Ultimate Rewards-earning card, you can effectively convert your cash-back rewards into Ultimate Rewards points. For this reason, it can make sense to have more than one Chase card to maximize your earning and redeeming potential.

Even better? None of these cards charge an annual fee.

• Chase Freedom Flex: Earn $200 after spending $500 on purchases in the first three months from account opening.
• Chase Freedom Unlimited: Earn $250 after spending $500 on purchases in the first three months from account opening.
• Ink Business Cash Credit Card: Earn up to $750: $350 bonus cash back after spending $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases in the first six months from account opening.
• Ink Business Unlimited Credit Card: Earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.

Bottom line

One of the best uses of Chase Ultimate Rewards points is transferring them to Hyatt and redeeming them at low-category or high-end hotels. Outside of that, given the high award rates of Marriott Bonvoy and IHG One Rewards, you might be better off redeeming your Chase Ultimate Rewards points for boutique and independent hotels on the Chase Travel portal.

So, is it ever worth transferring Chase points to IHG One Rewards or Marriott Bonvoy for a hotel redemption? If there's a transfer bonus or you're just trying to top up your account for a specific redemption, there are cases where it makes sense. Just be sure to crunch the numbers to avoid giving up valuable Chase points for subpar returns.