How Long Do American Express and Chase Points Take to Transfer?

How Long Do American Express and Chase Points Take to Transfer?

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Most American Express and Chase points will transfer instantly, but some can take longer depending on the transfer partner.

If you love to travel, you've probably got a card with transferable points in your wallet — and American Express and Chase are two of the biggest players in the world of transferable points. Both the American Express Membership Rewards program and the Chase Ultimate Rewards program let you earn points you can move to partner programs.

Savvy travelers know that moving rewards into airline and hotel loyalty programs can allow you to squeeze max value out of your rewards and travel the world in style. The downside? You have to wait for those points to transfer before you can book your dream trip. It's important to take transfer times into account when making your travel plans because if it takes longer than expected for your points to post to your account, your desired flight may no longer be available by the time they do.

What you should know about transfer times for points

Amex and Chase points don't always transfer instantly. Understanding the points transfer process — and the typical time it takes points to transfer and post to each partner — can help you avoid travel debacles.

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Keep in mind that transfer times discussed here are only guidelines. When it comes to point transfer times, there are no rules or guarantees. How long it takes for Amex points to post and Chase points to transfer may vary based on the partner, the time of year and your individual situation — so make sure you allow leeway in your planning to account for individual variations in transfer times.

What you should know about transfer times for points
Screenshot taken from Amex website in October 2021.

How long does it take credit card points to transfer to partners?

Transfer times vary based on the program and the partner. While some Amex and Chase points transfer to partners instantly, others can take as long as 14 business days. This means if you make your transfer on a Friday evening, you could end up waiting almost 20 days for your points to show up in the partner program.

Fortunately, most partner transfers take place within 48 hours. If you're not taking transfer time into account, you may find that a flight sells out or a hotel books up before your transfer is complete. With no way to transfer the points back out of the program, that can lead to a frustrating mess. Understanding the usual transfer times can help save you from a travel nightmare.

Why do point transfer times vary so much?

It takes different times for points to transfer because they’re going into different programs with different processes and verification systems. Keep in mind that once the points are transferred, the terms for the program change to those of the transfer partner. Some partner rewards programs have blackout dates that may affect your ability to book flights or rooms. It's a good idea to check transfer times — as well as terms — before you move your points.

How long does it take Amex Membership Rewards points to transfer?

Amex Membership Rewards transfer time varies widely depending on the partner. Points transfer instantly to some partners, but it may take as long as a week or two for other Amex points to show up.

Here's a chart showing how long you can expect to wait for your Membership Rewards points to transfer to each partner. These times are estimates from American Express, and your transfer could take a shorter, or longer, period of time.

Amex Membership Rewards transfer partner
Transfer time
Aer Lingus AerClubUsually instant but can take up to 48 hours
AeroMexico Club Premier14 business days
Air Canada AeroplanUp to 30 minutes
Air France/KLM Flying Blue4 working days
All Nippon Airways (ANA) Mileage Club2 to 4 business days
Show All Rows

How long does it take Chase Ultimate Rewards points to transfer?

Most Chase Ultimate Rewards points transfer instantly, but a few partners take a day or more for your Chase points to show up.

Chase Ultimate Rewards transfer partner
Transfer time
Aer Lingus AerClubAlmost instantly
Aeroplan/Air CanadaAlmost instantly
Air France/KLM Flying BlueAlmost instantly
British Airways Executive ClubAlmost instantly
Emirates SkywardsAlmost instantly
Show All Rows

Can you avoid waiting for Amex and Chase points to transfer?

Sometimes you just don't have time to wait and you need to book a flight or room now. This can be frustrating when you read the fine print and see that your points should transfer instantly but could take up to 48 hours — or even longer. What do you do then?

Fortunately, there are a few programs that will give you an advance on your points so you don't have to make a transfer, then cross your fingers and wait.

For example, the Marriott Points Advance program lets you book before you have enough points in your account to cover the cost. You'll need to have earned enough points to cover the stay at least 14 days prior to check-in — otherwise, your reservation could be canceled.

Savvy traveler tip: Be sure you know the ratio your Amex or Chase points will transfer to travel partners. While most points in both programs transfer at a 1:1 ratio, there are exceptions with some partners. Checking ahead of time will prevent a scenario where you transfer your rewards and then get stranded because you lack enough points to book.

Airlines that offer holds on awards bookings include American Airlines and Singapore Airlines:

  • American Airlines allows a hold time of up to five days for travel booked more than 14 days in advance, otherwise one day. You'll get up to two hours if you're booking within 24 hours of departure.
  • Singapore Airlines offers a hold time of up to three days depending on the itinerary and fare conditions.
  • For other programs, we recommend calling the airline before making your points transfer to see if they will hold your award flight for you while you wait.

Credit cards that earn Amex Membership Rewards

The best way to earn Membership Rewards points is to apply for an Amex card that provides a welcome offer, then continue to use your card for routine purchases. It's important to note that not all Amex cards earn Membership Rewards points. Some Amex cards give you cash back, while other co-branded Amex cards only allow you to earn points in only one partner program. If you want to be able to transfer your points to Membership Rewards partners, it's important to choose the right Amex card.

American Express offers a variety of business, personal and travel cards that earn Membership Rewards. Here are some of our favorite Amex cards that earn Membership Rewards:

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$695

See Pay Over Time APR

660 - 850

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.

American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

$250

See Pay Over Time APR

660 - 850

  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Unlike typical credit cards, The Platinum Card® from American Express and American Express® Gold Card allow you to carry a balance for certain charges, but not all.

Credit cards that earn Chase Ultimate Rewards

Chase offers only three cards with fully transferable rewards points: the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® and Chase Ink Business Preferred℠ Credit Card.

Savvy traveler tip: If you have one of the Chase cards that earns fully transferable points plus the Chase Freedom Flex℠ or Chase Freedom Unlimited®, you can turn your cash back from these two cards into Ultimate Rewards points by transferring it to your other account.

Chase Sapphire Preferred® Card

On Chase's Secure Website

$95

15.99% - 22.99% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Chase Sapphire Reserve®

On Chase's Secure Website

$550

16.99%-23.99% Variable

720 - 850

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Ink Business Preferred℠ Credit Card

On Chase's Secure Website

$95

15.99%-20.99% Variable

720 - 850

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

Tips for transferring Amex and Chase points to partners

  1. Become a loyalty program member and link your accounts. In order to transfer points, you have to be a member of your desired partner loyalty program and, in the case of Amex, have your credit card and partner loyalty accounts linked. Signing up for partner programs and linking your accounts now can eliminate an extra step when it comes time to make a transfer.
  2. Book like the pros. Use a tool like ExpertFlyer to make it easier to search for award space on flights, find available upgrades and choose the best seats on your flights. ExpertFlyer works with more than 90 airlines and can help you find all your available travel options, so you can easily work around points transfer delays.
  3. Make flexible travel plans. If you're a type-A traveler who loves to lock down plans to the exact date and time, taking a more relaxed approach may help you avoid transfer snafus. Plan your vacation with flexible dates to increase the chances that you can find available seats or rooms even if your points transfer gets delayed.
  4. Travel off-peak. Choosing less-sought-after flights and traveling during less popular times of year will increase your chances of finding and booking a seat with your points. It’ll also reduce the likelihood that you'll lose your desired seats before your points have time to post.
  5. Have a plan B. Plan an alternate route or a different vacation using the airline you plan to transfer points to — that way if your seat is sold before your points transfer, you won't be forced to swap your island vacation for a sad staycation.

FAQs

Is there a fee for transferring Membership Rewards points?

Yes, American Express does charge a fee of 0.06 cents per transferred point on U.S.-based airlines, which include Delta, JetBlue and Hawaiian Airlines. The maximum fee is $99. This cost exists in order to cover the federal excise fee charged for these specific types of transfers.

Is there a fee for transferring Chase Ultimate Rewards points?

There is no fee for transferring Chase Ultimate Rewards.

Can you transfer your Amex and Chase points into someone else's account?

There are some rewards programs out there that do allow you to transfer your points and miles into someone else's account, be it a family member or otherwise. Unfortunately, it isn’t possible to transfer your American Express Membership Rewards points from your account to any other person or account. Chase, on the other hand, allows you to pool Ultimate Rewards points with another member of your household who’s listed as an authorized user on your card account. Once you transfer points to an authorized user, that person will be the only authorized user on your account eligible to receive point transfers.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).