How to transfer Chase Ultimate Rewards points to United

Editor’s note: This is a recurring post, regularly updated with new information and offers. Chase Ultimate Rewards points are one of my favorite transferable rewards currencies due to the sheer number of high-value airline and hotel loyalty programs these points let me access. I often transfer Chase points to World of Hyatt, but you can …

Apr 14, 2025 - 07:48

How to transfer Chase Ultimate Rewards points to United

Editor’s note: This is a recurring post, regularly updated with new information and offers.

Chase Ultimate Rewards points are one of my favorite transferable rewards currencies due to the sheer number of high-value airline and hotel loyalty programs these points let me access. I often transfer Chase points to World of Hyatt, but you can also transfer Chase Ultimate Rewards points to many other partners, including United MileagePlus.

Here’s how to transfer Chase points to United Airlines and other things you should know before transferring your Ultimate Rewards points.

How to transfer Chase points to United

To transfer Chase points to United, head to the Ultimate Rewards website, log into your account and select your Ultimate Rewards earning card (if you have multiple). You should land on a dashboard page for the card account you selected. For example, here’s the dashboard for my Ink Business Preferred® Credit Card (see rates and fees).

Transferring Chase points to United — CHASE

Click on the “Travel” drop-down option at the top of your dashboard, then select “Transfer points to partners.”

You’ll go to a page showing all the Chase transfer partners. Scroll down, then click on the United row. Doing so will take you to an information page about transferring Chase points to United.

To continue, click “Transfer points” to reach a page where you can enter or confirm your United MileagePlus information. I’ve already enrolled United MileagePlus accounts for my husband (an authorized user on my Ink Preferred account) and myself in my Ultimate Rewards account, so I could transfer Chase points to either of our United accounts.

Enter the amount of Chase points you’d like to transfer to United on the next page. You must transfer at least 1,000 points and can only transfer in increments of 1,000 points.

Click “Next” to reach a summary page before clicking “Submit” to confirm your transfer request.

How long do Chase points take to transfer to United?

When you transfer Chase points to United, the miles will usually appear in your MileagePlus account instantaneously.

However, it may occasionally take longer for Chase points to transfer to United. You’ll almost always see the miles in your account by the next business day, but it could take up to seven business days.

Woman using her laptop outdoors — OSCAR WONG/GETTY IMAGES

You’ll get an email from Chase that says your points transfer is in progress once you confirm your transfer request, and you’ll get another email from Chase once your points transfer is complete. So, if the miles don’t appear in your United account instantaneously, keep an eye on your email to know when the transfer is complete.

Chase to United transfer ratio

The Chase to United transfer ratio is 1:1. You must transfer Chase points in increments of 1,000 points, which means you can convert 1,000 Chase points into 1,000 United miles. You might occasionally find a transfer bonus that boosts the Chase to United transfer ratio, but these are rare.

Based on TPG’s April 2025 valuations, Chase points are worth 2.05 cents each while United miles are worth 1.35 cents each. You’ll lose theoretical value when you transfer Chase points since transferable points are inherently more valuable. But, as we’ll discuss in the next section, this doesn’t mean you shouldn’t transfer Chase points to United.

Should I transfer Chase points to United?

As you read this guide, you might wonder whether you should transfer Chase points to United. This question is complex, so I can’t tell you without understanding your situation.

Man using a laptop — TOM WERNER/GETTY IMAGES

However, United MileagePlus isn’t the most valuable Chase transfer partner based on our valuations. For example, while our April 2025 valuations peg the value of United miles at 1.35 cents each, we value some other Chase transfer partners, including World of Hyatt, British Airways Club, Air Canada Aeroplan and Virgin Atlantic Flying Club, higher at 1.7 cents each for Hyatt and 1.4 cents each for British Airways, Air Canada and Virgin Atlantic.

You may want to reserve your Chase Ultimate Rewards points for transfers to these higher-value partners — especially if you haven’t accrued a massive stash of Chase points — but you can get much higher value from United miles on some redemptions. Check out our guide on redeeming United miles to get started, then read our guide about maximizing United MileagePlus redemptions for more tips on getting the most value from your United miles.

Even if you’re only getting 1.35 cents per point when transferring Chase points to United, this is higher than the 1.25 cents per point you can get when redeeming points for travel through the Chase Travel℠ portal with the Chase Sapphire Preferred® Card (see rates and fees) or the Ink Business Preferred Credit Card. So, if you have a lot of Chase points or don’t want to book awards with higher-value transfer partners, transferring Chase points to United might be right for you.

However, if you have the Chase Sapphire Reserve® (see rates and fees), you can get 1.5 cents per point when redeeming through the Chase Travel portal. Because of this, Chase Sapphire Reserve cardholders should ensure they’ll get at least 1.5 cents per mile on their United award before transferring Chase points to United.

How to earn Chase points

If you want to transfer Chase points to United, you may also be curious about how you can earn more Chase points. Here are the earning rates, welcome offers and annual fees of some of the most popular currently available Chase Ultimate Rewards cards:

Card	Welcome offer	Earning rate	Annual fee
Chase Sapphire Preferred Card	Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.	Earn 5 points per dollar spent on travel purchased through Chase Travel Earn 3 points per dollar spent on dining, select streaming services and online groceries (excluding Walmart, Target and wholesale clubs) Earn 2 points per dollar spent on all other travel purchases Earn 1 point per dollar spent on all other purchases	$95
Chase Sapphire Reserve	Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.	Earn 10 points per dollar spent on Chase Dining purchases through Ultimate Rewards and on hotels and car rentals purchased through Chase Travel Earn 5 points per dollar spent on flights purchased through Chase Travel Earn 3 points per dollar spent on dining and other travel Earn 1 point per dollar spent on all other purchases	$550
Chase Freedom Flex® (see rates and fees)	Earn $200 cash back after spending $500 on purchases in the first three months from account opening.	Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate Earn 5% cash back on travel purchased through Chase Travel Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services Earn 3% cash back on drugstore purchases Earn 1% cash back on all other purchases	No annual fee
Chase Freedom Unlimited® (see rates and fees)	Earn $250 cash back after spending $500 on purchases in the first three months from account opening.	Earn 5% cash back on travel purchased through Chase Travel Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services Earn 3% cash back on drugstore purchases Earn 1.5% cash back on all other purchases	No annual fee
Ink Business Preferred Credit Card	Earn 90,000 bonus points after spending $8,000 on purchases in the first three months after account opening.	Earn 3 points per dollar spent on the first $150,000 of travel, shipping, advertising purchases made with social media sites and search engines, internet, cable and phone service purchases each account anniversary year 1 point per dollar spent on all other purchases	$95
Ink Business Cash® Credit Card (see rates and fees)	Earn $350 cash back after spending $3,000 on purchases in the first three months after account opening, plus an additional $400 after spending $6,000 on purchases in the first six months after account opening.	Earn 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services Earn 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants Earn 1% cash back on all other purchases	No annual fee
Ink Business Unlimited® Credit Card (see rates and fees)	Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.	1.5% cash back on all purchases	No annual fee

Some of these cards earn cash-back rewards instead of points, but you can combine rewards from all your Ultimate Rewards cards into a single account. If the account you use to collect all your rewards is your Sapphire Reserve, Sapphire Preferred or Ink Business Preferred account, you’ll have a stash of points you can transfer to Chase transfer partners.

Bottom line

Now you know how to transfer Chase points to United.

It can be daunting the first time you go to transfer Chase points. However, as this article shows, transferring Chase points to loyalty programs like United MileagePlus isn’t hard. Once you find an award flight you want to book through United MileagePlus, follow the steps above to transfer the number of points you need to book your award flight.

Remember, you must transfer points in increments of 1,000, so you may need to transfer slightly more points than you need to book your flight.