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This blog post walks you through the steps on how to transfer Chase Ultimate Rewards Points to Emirates Skywards.
Chase Ultimate Rewards Points is a popular points currency among points enthusiasts and frugal tourists like myself.
The reason? They offer the opportunity to redeem points for discounted flights across multiple airlines, as well as free hotel stays.
Since Emirates is a transfer partner of Chase Ultimate Rewards, you can essentially accumulate Emirates Skyward Miles as a result of earning Chase Ultimate Rewards (UR) points.
Earning Ultimate Rewards Points is relatively easy and straightforward – it is typically accumulated through generous sign-up bonuses and regular spending using any of the credit cards below:
| Chase Personal Credit Cards That Earn Ultimate Rewards Points | Chase Business Credit Cards That Earn Ultimate Rewards Points |
|---|---|
| Chase Freedom Unlimited® | Ink Business Cash® Credit Card |
| Chase Freedom Flex℠ | Ink Business Unlimited® Credit Card |
| Chase Sapphire Preferred® Card | Ink Business Preferred® Credit Card |
| Chase Sapphire Reserve® |
Important: You Need to Have A Chase Premium Card
To be able to transfer Chase Ultimate Rewards Points to the Emirates, you need to own at least one of Chase’s premium cards.
Again, you only need one of these cards to unlock the benefit of transferring to Chase travel partners such as Emirates.
| Chase Premium Credit Cards |
|---|
| Chase Sapphire Preferred® Card Chase Sapphire Reserve® Ink Business Preferred® Credit Card |
Pro Tip: Without one of these three Chase premium cards, you cannot transfer your Chase Ultimate Rewards points to any of Chase’s Travel Partners. In my opinion, the Chase Sapphire Preferred is the best of the three.
Deep Dive on Chase Credit Cards: No-Annual-Fee Cashback Cards Versus Premium Cards
Before we proceed with the steps involved in transferring Chase Ultimate Rewards points to Emirates, we must understand the difference between no-annual-fee cashback cards and premium Chase cards.
The table below illustrates which category each card belongs in.
| No-Annual-Fee Cards | Premium Cards (AF=Annual Fee) |
|---|---|
| Chase Freedom Flex | Chase Sapphire Preferred ($95 AF) |
| Chase Freedom Unlimited | Chase Sapphire Reserve ($550 AF) |
| Ink Business Cash | Chase Ink Business Preferred ($95 AF) |
| Ink Business Unlimited |
To soften the blow of the steep annual fees on Chase’s premium cards, the bank provides additional exclusive benefits to premium cardholders that are not available to those who only hold no-annual-fee cards.
One of these valuable premium Chase card benefits is having access to my all-time favorite Ultimate Rewards (UR) redemption option – TRANSFER TO TRAVEL PARTNERS.
Redemption Options for Chase No-Annual-Fee Cashback Cards and Premium Cards
Let’s compare the redemption options of “no-annual-fee” cashback cards versus premium travel cards.
Redemption Options for No-Annual-Fee Cards
| No-Annual-Fee Chase Card Redemption Options |
|---|
| Travel Pay Yourself Back Gift Cards Chase Dining Cash Back Pay With Points |
At first glance, you might think that the choices are pretty generous for no-annual-fee cards, specifically, the cashback and gift card options.
But if you want to maximize the value of your Chase Ultimate Rewards Points, it is recommended that you explore redemption methods other than cashback, especially if you also have a premium card.
Unless you have an emergency and need cash, exchanging your hard-earned points for cash or gift cards will not generate the best bang for your buck.
Redemption Options for Premium Chase Cards
| Premium Chase Card Redemption Options |
|---|
| Travel Pay Yourself Back Gift Cards Chase Dining Cash Back Pay With Points Transfer to Travel Partners |
The table above shows that “Transfer to Travel Partners” became an available redemption option for Chase premium cards.
This exclusive “transfer benefit” will appear on your Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred accounts because they are all premium cards but not in your no-annual-fee cards.
Transfer Chase Ultimate Rewards to Travel Partners Such As Emirates Skywards
It is essential to underscore that each Chase Ultimate Reward point is not created equal.
The value of each Chase Ultimate Reward point will depend on whether they originate from a premium card or a no-annual-fee card.
Even if no-annual-fee cards generate Ultimate Reward points, you cannot transfer them to partners, including Emirates, unless you have one of Chase’s premium cards.
Therefore, I strongly recommend owning at least ONE premium Chase card because this incredibly fantastic redemption benefit would not be possible without one.
Chase Travel Partners
The chart below lists all the Chase travel partners.
Please check their website regularly.
It is not unusual for Chase to initiate new relationships (Hello, Aer Lingus!) and terminate old ones (Bye, Korean Air).
What if my Ultimate Reward Points are in my No-Annual Fee Cashback Cards?
Should you find most of your points in a no-annual-fee card, do not worry.
Chase allows the transfer of points between Chase Ultimate Rewards credit cards.
Log in to your Chase account and navigate to any of your Ultimate Rewards-earning credit cards.
Look for the “Ultimate Rewards Points” button and Click “Redeem” to access your points.
Next, click the “Rewards Details” dropdown arrow to find “Combine Points“.
If this is your first time combining Chase Ultimate Rewards Points, please continue reading for a step-by-step walkthrough.
As a general rule of thumb, I suggest transferring all of your no-annual-fee cash-back points to your premium cards, so you can have the ability to move your Chase Ultimate Rewards Points to travel partners, such as Emirates, anytime.
This transfer also significantly increases the worth of your Ultimate Rewards Points acquired from your no-annual-fee cards, making them all the more valuable.
What if my Personal and Business Credit Cards have Different Log-In Information?
Before transferring your Chase Ultimate Rewards Points between your personal and business credit cards, you will need to merge your personal and business accounts.
To do so, you can call Chase’s customer service using the phone number on the back of any of your Chase credit cards and request that your accounts be combined into one profile.
“Can you link my personal and business accounts so I only need one username and password?”
During the call, you will be required to provide your personal and business account information to verify your identity. After verification, the agent will then merge both accounts.
Once the accounts are linked, you’ll be able to access all of your accounts with one login and password.
This can save you time and make managing your finances and Chase Ultimate Rewards Points easier.
Whether you have questions about the linking process or need assistance with anything else, Chase’s customer support team is available 24/7 to provide help and support.
Steps for Combining Points or Converting No-Annual-Fee Cashback Chase Points to Travel Points
STEP 1:
Log in to your Chase profile and select one of your Chase cards that earns Ultimate Rewards points.
In the image below, I selected my Chase Freedom Flex℠, which currently has 7,925 Chase Ultimate Rewards Points.
I then click “Redeem” in the Ultimate Rewards points section (inside the red box).
STEP 2:
Clicking “Redeem” will lead you to the “Ultimate Rewards” page.
Click the “Rewards Details” drop-down menu, then navigate down to “Combine Points“.
STEP 3:
Click “Combine Points,” then select a no-annual-fee card under “From” on the left column.
In the example below, I selected my no-annual-fee Chase Freedom Flex℠.
This account will have the points you will transfer to a premium Chase card.
STEP 4:
Select a premium card under “To”, which is the Chase card where you want your points to go.
In the image below, I am moving points from my no-annual-fee Chase Freedom Flex℠ to my premium card, the Chase Sapphire Preferred® Card.
STEP 5:
Initiate the transfer by clicking “Continue.”
You will be directed to a page where you can indicate the number of points you would like to transfer to your premium card.
Since the value of your no-annual-fee Ultimate Rewards points significantly increases when transferred to a premium card, I highly suggest transferring all of your points.
Generally speaking, you would always want your Ultimate Rewards Points stored in one of your premium cards.
Click “Review” once you have made your selection.
If you have two premium cards that include the Chase Sapphire Reserve®, transfer all of your points to the CSR, as that provides the best redemption value among all the other Chase cards.
STEP 6:
Chase will give you another opportunity to review your selection.
You want to ensure that you transfer no-annual-fee Ultimate Rewards Points to a premium card and not vice versa.
In this example, I am moving my Ultimate Rewards Points from my no-annual-fee Chase Freedom Flex℠ to the Chase Sapphire Preferred, a premium card.
Confirm & Submit.
STEP 7:
Once you have completed this transfer, you will be notified if it was successful.
Once your points are in your premium card, you can now transfer your Ultimate Rewards Points to Emirates Skywards (see next section).
Pro Tip: If you are part of a couple/family who lives in the same address, transferring Chase Ultimate Rewards Points between different individual accounts (between player 1 and player 2) is possible. Holding two premium cards is no longer necessary as long as you meet Chase’s criteria as a household member. One player can keep a premium card, and the other can continue accumulating no-annual-fee Ultimate Rewards Points that can be easily transferred to the owner of the premium card. You need to call Chase to initiate this transfer.
Steps for Combining Chase Ultimate Rewards Points (Mobile App)
STEP 1:
Log in to your Chase profile and select one of your Chase cards that earns Ultimate Rewards points.
In the image below, I selected my Chase Ink Business Cash card.
Scroll down until you see the “Benefits and Rewards” section.
Click the “Redeem Points“.
STEP 2:
Navigate down to “Combine Points“.
STEP 3:
Select your “No-Annual-Fee” Chase card under “From“.
Then, select a Chase premium card under “To“.
In the example below, I am moving Chase Ultimate Rewards Points from my no-annual-fee Chase Ink Business Cash card to my Chase Ink Business Preferred card, a premium card.
STEP 4:
You will be directed to a page where you can indicate the number of points you would like to transfer to your premium card.
Since the value of your no-annual-fee Chase Ultimate Rewards points significantly increases when transferred to a premium card, I highly suggest transferring all of your points.
Generally speaking, you would always want your Ultimate Rewards Points stored in one of your premium cards.
Click “Review” once you have made your selection.
If you have two premium cards that include the Chase Sapphire Reserve®, transfer all of your points to the CSR, as that provides the best redemption value among all the other Chase cards.
STEP 5:
Chase will give you another opportunity to review your selection.
Again, you should ensure that you are transferring no-annual-fee Ultimate Rewards Points to a premium card and not vice versa.
Confirm & Submit.
Congratulations! You are now ready to transfer your Chase Ultimate Rewards Points to Chase’s many travel partners.
Join Other Points Enthusiasts in Our Free Travel Miles & Points Facebook Group
Before You Transfer Your Chase Points: Check For Emirates Award Space Availability
Before starting the transfer process, you want to ensure that actual award space on your specific dates is available.
The more flexible your travel dates are, the more likely you’ll be able to find award availability that can be booked on points.
My recommended steps are as follows:
STEP 1:
First, you must register for an Emirates Skywards Account, which should take less than 5 minutes. Enrolling is free!
STEP 2:
Once you are done signing up for your Emirates Skywards account, keep your login credentials handy, as you will need them when searching for award space.
STEP 3:
Using your Emirates Skywards account, initiate your search on Emirates.com.
Make sure you fill out the following details correctly:
- Check Classic Rewards (since you are using miles)
- Type in the departure and arrival airport
- Indicate whether your dates are flexible (-/+3 days)
- Check One-Way
- Leave the “One-Way” box blank if traveling round-trip
After you have selected your dates, indicate the number of passengers and class of service.
Then, click “Search Flights“.
STEP 4:
Select your preferred flights and write down the information on a piece of paper or your spreadsheet.
Transfer your points and hope the award space does not disappear while your points are in transit.
Steps on How to Transfer Chase Ultimate Rewards to Emirates Skywards
Transferring to Emirates Skywards is simple, assuming you already have your Ultimate Rewards Points in one of your Chase premium cards.
STEP 1: You Need a Chase Premium Card To Transfer to Emirates Skywards
Go to Chase.com, then Click One of Your Premium Cards.
Each premium card will give you the option to access Ultimate Rewards.
In this example, I transferred Chase Ultimate Rewards Points from my Chase Sapphire Preferred Card, a premium card.
Click “Redeem Ultimate Rewards points.”
You can transfer points from your other no-annual-fee Chase cards to your premium card if you need more points.
Please see the previous sections for steps on how to “Combine Points.”
STEP 2: Transfer Points to Travel Partners
Click the “Travel” drop-down arrow, then navigate to “Transfer Points to Travel Partners”
Emirates is one of Chase’s many travel partners.
STEP 3: Look for Emirates
Navigate down to Emirates and click the right arrow to proceed with the transfer.
STEP 4: Enter your Emirates Skywards Account Number
Enter your Emirates Skywards account number.
STEP 5: Indicate the Number of Points
Type in the number of points you would like to transfer in 1,000 Ultimate Rewards Points increments.
The minimum amount that you can transfer is 1,000 Ultimate Rewards points.
The transfer ratio is 1:1, so 1 Ultimate Rewards Point = 1 Emirates Mile.
STEP 6: Verify the Information
Verify if all the information you entered is correct, then click “Submit.”
STEP 7: Wait for the Emirates Miles to Show Up In Your Account
How Long Does It Take for Ultimate Rewards Points to Transfer to Emirates Skywards?
In my experience, Chase Ultimate Rewards points transfer within 24 hours to Emirates Skywards.
However, Chase has stated that transfers may take up to 7 business days.
I suggest immediately checking your Emirates Skywards online account after transferring to verify whether the transfer was completed.
STEP 8: Book Your Emirates Award Flight
Book the award space once the points are in your Emirates Skywards account.
You have 24 hours to cancel the award tickets if plans change.
Transferring Chase Ultimate Rewards Points to Emirates Skywards on the Chase Mobile App
Performing the above functions, such as combining points and transferring to travel partners, using the Chase Mobile app can initially be a bit confusing.
Here are the steps to navigate the Chase Mobile App so you can quickly transfer your Chase Ultimate Rewards Points to the Emirates Skywards program wherever you are.
STEP 1:
Log in to your Chase account using your Chase Mobile App.
Select a Chase Premium Card.
In this example, I will access my Chase Ultimate Rewards points through my Chase Sapphire Preferred® Card.
STEP 2:
Under your premium card, navigate to the “Benefits and Rewards” section, then click “Redeem Points”.
STEP 3:
Navigate to “Transfer Points to Partners“.
STEP 4:
Select Emirates from the list of Chase’s travel partners.
STEP 5:
Enter your Emirates Skywards Account Number.
Before transferring your points, make sure you sign up for an Emirates Skywards account, as Chase will require this information.
STEP 6:
Indicate the number of Chase Ultimate Rewards Points you would like to transfer to Emirates Skywards.
Remember that this is a one-way street. Any points transferred from Chase to Emirates Skywards can not be reversed, so make sure the award space is available before proceeding with this transfer.
STEP 7:
Review transfer details, then “Submit.”
Reminder to only transfer points when you see award availability.
The transfer process is irreversible – you can not transfer Emirates Skywards back to Chase Ultimate Rewards.
Terms and Conditions (Source: Chase.com)
Chase is not responsible for the redemption of Skywards Miles.
All point transfers are final and non-reversible.
- All Ultimate Rewards points transferred to your Emirates Skywards account will be subject to the Terms and Conditions of Emirates Skywards and cannot be transferred back to your Chase Ultimate Rewards account.
- Taxes, government-imposed fees, and any applicable charges may apply on all Skywards Miles redemptions and upgrades, subject to your Emirates Skywards agreement.
- Individual restrictions may apply.
- Chase is not responsible for the availability of specific flights, routes, travel dates, or other promotions or considerations of Emirates Skywards.
- Redemptions are subject to availability.
- Chase is not responsible for the redemption of Skywards Miles.
- Visit emirates.com/us for more information, including full terms and conditions.
STEP 8:
Run your award search and book your award flight using Emirates Skywards.
Credit Cards that Earn Chase Ultimate Rewards Points
| Credit Cards | Details |
|---|---|
| Credit Cards that earn Ultimate Rewards (UR) Points | 1 Chase Ultimate Rewards. |
| Chase Sapphire Preferred® Card | Welcome Offer |
| Chase Sapphire Reserve® | Welcome Offer |
| Ink Business Preferred® Credit Card | Welcome Offer |
| Credit Cards that can convert into Chase Ultimate Rewards (UR) Points* | Steps to Convert |
| Chase Freedom Flex℠ | Welcome Offer |
| Chase Freedom Unlimited® | Welcome Offer |
| Ink Business Cash® Credit Card | Welcome Offer |
| Ink Business Unlimited® Credit Card | Welcome Offer |
Summary
Final Thoughts
Flying for free is my ultimate motivation for accruing travel miles and points.
Whether you aim for premium cabins or discounted airfare, Chase Ultimate Rewards is a currency I highly recommend you accumulate because of its flexibility.
Aside from being a transfer partner of Hyatt and United – the two most common recipients of my Chase points, Emirates is another travel partner that can be an alternative when searching for good deals.
Emirates Skywards can provide access to a vast network of flights and travel experiences.
Using Avios for short-haul flights, upgrades, and partner flights can offer significant savings and enhance the overall travel experience.
Lastly, I hope this blog post made the transfer process much easier to follow. Safe travels!
EDITORIAL DISCLOSURE – Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. The content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
