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This blog post walks you through the steps on how to transfer Chase Ultimate Rewards Points to The World Of Hyatt program.
Chase Ultimate Rewards Points is a favorite travel rewards 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 the World of Hyatt Program is a transfer partner of Chase, you can essentially accumulate Hyatt points 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 welcome 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® |
Feel free to skip to Instructions on How to Transfer Chase Ultimate Rewards to the World of Hyatt if you already know the reasons why transferring to a premium Ultimate Rewards Points card is necessary before we can initiate this transfer.
Important: You Need A Chase Premium Card
To have the ability to transfer Chase Ultimate Rewards Points to the World of Hyatt Program, you need to hold at least one of Chase’s premium cards.
Again, you only need one of these cards to unlock the exclusive benefit of transferring to Chase travel partners such as Flying Blue.
| Chase Premium Credit Cards |
|---|
| Chase Sapphire Preferred® Credit Card Chase Sapphire Reserve® Ink Business Preferred® Credit Card |
Heads Up: Without one of these three Chase premium cards, you will not have the ability to transfer your Chase Ultimate Rewards points to the World of Hyatt program or 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 the World of Hyatt, we must understand the distinction between no-annual-fee Chase 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, Chase provides additional benefits to premium card consumers that are unavailable to those with only no-annual-fee Chase credit 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 Cards and Premium Cards
Let’s compare the redemption options of “no-annual fee” Chase cards versus premium 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 a 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 Points to the World of Hyatt
It is essential to underscore that each Ultimate Rewards Point is not created equal.
The value of each Ultimate Rewards 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 Rewards Points, you cannot transfer them to partners, including the World of Hyatt, 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 other Chase travel partners.
Please check their website regularly.
It is not unusual for Chase to initiate new relationships (Aer Lingus) and terminate old ones (Korean Air).
Hyatt vs. Marriott vs. IHG
In my opinion, the most favorable choice is to transfer your Chase Ultimate Rewards Points to certain travel partners in most cases.
As a result, I typically save my Ultimate Rewards Points for these types of redemptions.
For example, transferring your Chase Ultimate Rewards Points to The World Of Hyatt generally provides excellent value.
Conversely, transferring to Marriott or IHG typically does not always yield terrific value except on rare occasions.
That said, redeeming your points at the Chase travel portal also periodically gives a better return.
Here’s a guide that can walk you through a framework for determining when using the travel portal or transferring to partners is recommended.
What if my Ultimate Reward Points are in my No-Annual Fee 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 click any of your Ultimate Rewards-earning credit cards.
Look for the “Ultimate Rewards Points” button, then 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) Chase Ultimate Rewards Points to your premium cards, so you can have the ability to move your Chase Ultimate Rewards Points to travel partners, such as Singapore Airlines KrisFlyer anytime.
This transfer also significantly increases the worth of your Ultimate Rewards Points acquired from your no-annual-fee cards, m
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 must 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 Chase Ultimate Rewards Points (Desktop)
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 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 Chase 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 the transfer was successful.
Once your points are in your premium card, you can transfer your Chase Ultimate Rewards Points to your World of Hyatt account (see next section).
Pro Tip: If you are part of a couple/family who lives in the same address, transferring Chase 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.
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Before You Transfer Your Chase Points: Check For World of Hyatt Free Night Availability
Before starting the transfer process, you want to ensure that actual bookable free nights on your specific dates are available.
The more flexible your travel dates are, the more likely you’ll find free night awards available that can be booked on points.
My Recommended Steps:
- Check if the room you want to book is available using points.
- Go to Hyatt.com, plug in your preferred location and dates, and click “USE POINTS”.
- Follow the prompts until you reach the payment page.
- If the room is still available to be purchased using points, you can initiate the transfer and book your free night.
- This is just a reminder, though, that once your Chase points are in your Hyatt account, you can no longer transfer them back to your Chase account.
Steps on How to Transfer Chase Ultimate Rewards to the World of Hyatt
Assuming that you already have your Ultimate Rewards Points in either the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Ink Business Preferred® Credit Card, transferring to World of Hyatt is as simple as following the steps below.
But before we jump into the transfer process, I want to make sure that you perform this critical step before transferring:
Sign Up for a Hyatt Account!
Register at Hyatt.com for free.
Once you have this number, write it down on paper or your spreadsheet as we will need it soon.
STEP 1:
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, a premium card.
Click “Redeem Ultimate Rewards points.” This will lead you to the Ultimate Rewards page.
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:
On the Ultimate Rewards page, click the “Travel” drop-down arrow, then navigate to “Transfer Points to Partners”.
Flying Blue (Air France/KLM) is one of Chase’s many travel partners.
STEP 3:
Look for World of Hyatt and Click the right arrow to proceed with the points transfer.
STEP 4:
Enter your Hyatt Number and Recipient Details.
You can transfer points to yourself or a recipient who is both an authorized user on your account and a member of your household.
STEP 5:
Type the Number of Points You Would Like to Transfer in 1,000 Points Increments.
The transfer ratio is 1:1, so 1 Ultimate Rewards Point = 1 World of Hyatt Point.
The minimum amount Chase allows for transfers is 1,000 Ultimate Rewards points. There is no limit.
STEP 6:
Confirm if All the Info is Correct, then Click Submit.
STEP 7:
Check your World of Hyatt Account After the Transfer.
Moving Ultimate Rewards Points from Chase to the World of Hyatt is typically instant, so refresh your browser if you do not see your points show up instantly.
Once your Chase Ultimate Rewards Points are in your World of Hyatt account, you can book your free night awards.
Transferring Chase Ultimate Rewards to The World of Hyatt Program on the Chase Mobile App
Performing the above functions, such as combining points and transferring to travel partners, using the Chase Mobile app is a bit confusing initially.
Here are the steps on how to navigate the Chase Mobile App, so you can quickly transfer your Chase Ultimate Rewards Points wherever you are.
STEP 1:
Log in to your Chase account using your Chase Mobile App, then 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 The World of Hyatt from the list of Chase’s travel partners.
STEP 5:
Enter your World of Hyatt Account Number.
Before transferring your points, make sure you sign up for a World of Hyatt account, as Chase will require this information.
STEP 6:
Indicate the number of Chase Ultimate Rewards Points you would like to transfer to Hyatt.
Before you transfer, remember though that this is a one-way street.
Any points transferred from Chase to Hyatt can not be reversed, so make sure the award space is available before proceeding with this transfer.
After typing in the number of Chase Ultimate Rewards Points you would like to transfer, click “Next”.
STEP 7:
Review transfer details, then “Submit”
Reminder to only transfer points when you see free night availability.
The transfer process is irreversible – you can not transfer World of Hyatt points back to Chase Ultimate Rewards.
How Fast/Long Does It Take For Chase Points To Transfer to Hyatt?
If you are doing this transfer for the first time, completing the process may take a few days.
Conversely, if you have previously transferred Chase points to the World of Hyatt, the transfer should be almost instant.
The chart below provides the number of points you need to transfer per hotel category.
The World of Hyatt’s New Off-Peak/Peak Award Chart
Effective March 2022, some Hyatt properties will cost less or more depending on the time of your visit.
The off-peak/peak award chart below illustrates the new rates for standard rooms, standard suites, and premium suites. Screenshots were from The World of Hyatt website.
Standard Rooms Off-Peak/Peak Award Chart
| Category | Off-Peak | Standard | Peak Nights |
|---|---|---|---|
| 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 |
When Do I Know if Paying In Cash is Better Than Redeeming Hyatt Points?
Since the transfer from Chase to Hyatt is irreversible, it is always advisable to crunch the numbers by comparing the cash price with points before transferring.
Below is my suggested formula that you can utilize to ensure that you are getting the best bang for your buck whenever you redeem your World Of Hyatt points.
STEP 1: Determine the CENTS PER POINT (CPP) value of the property
A. Divide the cash price (paid rate) by the number of points needed.
B. Multiply the amount you got from “A” by 100 to obtain the CPP.
For example:
PAID RATE: Hyatt Regency Monterey for Sept 11-13 in cash: $621.96
POINTS: Hyatt Regency Monterey for the same nights in points: 30,000 Hyatt points (15,000 Hyatt points per night x 2).
Divide paid rate ($622) over the points required (30,000) = 0.0207
Hyatt Regency Monterey redemption: 0.0207 X 100 = 2.07 cents per point (CPP)
STEP 2: Check the table below to determine if the CPP (cents per point) valuation is a good redemption using points or if it’s better to pay cash
| Cents per point (CPP) value | How to Book |
|---|---|
| Greater than 1.5 cents/point | Use Points |
| Less than 1.5 cents/point | Use Travel Portal or Pay Cash |
Referencing the table above, redeeming using points at this particular property seems like a relatively great redemption because each World of Hyatt point yields an equivalent value of 2 cents.
The higher the CPP, the more valuable your points become. Calculating the CPP before redeeming is key in ensuring that you are optimally stretching the value of your points.
STEP 3: If the value is below 1.5 cents, then your best option is to redeem your points using the “TRAVEL” option on Chase.com or pay cash
For a more in-depth discussion on how to do this, here’s my blog post explaining the process in more detail.
Other Options for Redeeming Hyatt Nights
Points and Cash
If you do not have many Hyatt Points or Chase Ultimate Rewards Points, Hyatt also allows a combination of “Points & Cash.”
While I am glad Hyatt is giving us another option to use points, I do not find this a great deal if you book luxurious hotels since you still have to cover about 50-70% of the Standard Room Rate.
However, this option can undoubtedly provide terrific value if you come across inexpensive accommodations.
Do Hyatt Points Expire?
We have worked hard to accumulate Hyatt points, so it is natural to want to know if they have an expiration date.
So, when do Hyatt points expire?
According to the World of Hyatt website, the general policy is that points do not expire but will be forfeited if a member’s account is inactive for 24 months.
Therefore, you would want to ensure you have some activity every two years to prevent the complete forfeiture of your World of Hyatt points.
To prevent this, I recommend transferring Chase Ultimate Rewards points to the World of Hyatt program using the steps outlined above.
Can I Transfer My World of Hyatt Points Back to Chase?
Transferring Chase Ultimate Rewards Points to the World of Hyatt is a one-way street.
It can never be reversed once you have moved your Ultimate Rewards Points to the World of Hyatt.
Thus, you must ensure that available rooms can be booked with points at your preferred property before transferring your Chase Ultimate Rewards Points to the World of Hyatt.
Hence, I suggest performing a trial/dummy booking until you reach the page where you are asked to pay for the reservation.
Periodically, we find phantom space that initially shows that rooms are available, but they disappear once you are ready to book.
In short, you do not want your Chase Ultimate Rewards Points stuck in the World of Hyatt program without a specific redemption plan.
Credit Cards that Earn World of Hyatt Points
| Credit Cards | Details |
|---|---|
| Credit Cards that earn Ultimate Rewards (UR) Points | 1 Chase UR : 1 Hyatt Point |
| Chase Sapphire Preferred® Card | Welcome Offer |
| Chase Sapphire Reserve® | Welcome Offer |
| Ink Business Preferred® Credit Card | Welcome Offer |
| Credit Cards that earn World of Hyatt Points | |
| The World of Hyatt Credit Card | Welcome Offer |
| World of Hyatt Business 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
Hyatt’s award chart is exceptionally generous compared to other hotels, as they charge substantially fewer points.
A top-tier Hyatt hotel costs 40,000 points, whereas a Marriott or a Hilton would cost at least 70,000 points for an identical hotel category.
Even though they do not have as extensive a footprint as some of its competitors, I sometimes catch myself visiting places where there are Hyatts so I can take advantage of free rooms and, therefore, save up on accommodations.
Hyatt currently occupies the top spot as my most utilized Chase Ultimate Reward transfer partner.
Their points have allowed me to stay in extravagant hotels around the globe for free that I otherwise would not have been able to afford.
Attached to these stays are once-in-a-lifetime experiences that I will eternally remember.
Thank you, World of Hyatt and Chase!
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 endorsed by any of the entities included in the post.
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