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- What you should know about transfer times for points
- What is AmEx Membership Rewards?
- AmEx Membership Rewards transfer partners
- What is Chase Ultimate Rewards?
- Chase Ultimate Rewards transfer partners
- Credit cards that earn AmEx Membership Rewards
- Credit cards that earn Chase Ultimate Rewards
- How long does it take credit card points to transfer to partners?
- Why does point transfer time vary so much?
- How long does it take AmEx Membership Rewards points to transfer?
- How long does it take Chase Ultimate Rewards points to transfer?
- Can you get around waiting for AmEx and Chase points to transfer?
- Tips for transferring AmEx and Chase points to partners
- Final thoughts on AmEx and Chase points transfer times
If you love to travel, you've probably got a card with transferable points in your wallet. 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.
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. You can use those transferred points to book flights, upgrade to first or business class, make reservations at hotels all over the world, and earn status with your favorite airline or hotel.
However, those points don't always transfer instantly, and 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.
This guide will give you an overview of the AmEx and Chase transferable points programs, explain how you can earn transferable points and give you an idea of how long you can expect to wait for point transfers.
What you should know about transfer times for points
To avoid glitches that may mess up your travel plans, keep in mind that transfer times discussed here are only guidelines. When it comes to point transfer times, there are no rules or guarantees. AmEx and Chase points transfer times 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 is AmEx Membership Rewards?
The AmEx Membership Rewards program is one of the most versatile credit card rewards programs available. With 22 transfer partners, you have plenty of options for using your points in the way that will get you the most value.
The best way to earn points in the program 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 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. We'll offer you several options below, but first let's look at the flexibility offered by Membership Rewards points and Chase Ultimate Rewards points.
AmEx Membership Rewards transfer partners
AmEx has a wide range of airline partners, from major U.S. domestic carriers to international airlines known for providing amazing first-class experiences. Here is a list of AmEx airline partners:
- Aer Lingus
- Air Canada
- Air France/KLM
- All Nippon Airways (ANA)
- British Airways
- Cathay Pacific
- Delta Air Lines
- El Al
- Etihad Airways
- Hawaiian Airlines
- JetBlue Airways
- Qantas Airways
- Singapore Airlines
- Virgin Atlantic
AmEx also partners with three major hotel companies that offer a choice of dozens of hotel brands, from midscale chains to luxury resorts:
- Choice Hotels
- Hilton Hotels
What is Chase Ultimate Rewards?
Chase Ultimate Rewards is a credit card rewards program that allows you to transfer your points into 13 partner programs.
The best way to earn Chase Ultimate Rewards points is by applying for the right Chase credit card, getting a sign-up bonus and continuing to do your daily spending on that card. As with AmEx, not all Chase cards offer transferable points. We'll give you the details on Chase cards that earn Ultimate Rewards points after we take a look at the benefits of being able to transfer Chase points to partners.
Chase Ultimate Rewards transfer partners
Chase offers you the option to transfer your Ultimate Rewards points to 10 different airlines. Here is a list of Chase airline transfer partners:
- Aer Lingus
- British Airways
- JetBlue Airways
- Singapore Airlines
- Southwest Airlines
- United Airlines
- Virgin Atlantic
Like AmEx, Chase also offers the option to transfer to three hotel loyalty programs, encompassing dozens of hotel brands. The Chase hotel partners are:
- InterContinental Hotels Group
Credit cards that earn AmEx Membership Rewards
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
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- Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
- Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
- 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 and Additional Centurion Cards only.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
- Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $550 annual fee.
- Terms Apply.
American Express® Gold Card
See Pay Over Time APR
- 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 on Restaurants worldwide, including takeout and delivery.
- 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 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.
Credit cards that earn Chase Ultimate Rewards
Chase offers only three cards with fully transferable rewards points: the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®.
Chase Sapphire Preferred® Card
15.99% - 22.99% Variable
- Earn 60,000 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®
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Chase Sapphire Reserve®
- 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
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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
Savvy traveler tip: If you have one of the Chase cards that earns fully transferable points plus the Chase Freedom® 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.
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 are 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?
The transfer time for AmEx points varies widely depending on the partner. Points transfer instantly to some partners but may take as long as a week or two for others. Here's a FAQ on AmEx transfer times for some of the most popular transfer partners:
- How long does it take AmEx points to transfer to Asia Miles? AmEx points usually transfer within 72 hours to Asia Miles, the frequent flyer program of AmEx partner Cathay Pacific. However, in some cases, points can take as long as five business days to transfer.
- How long does it take AmEx points to transfer to Delta? AmEx points usually transfer into the Delta SkyMiles program within 30 minutes but can take up to 48 hours.
- How long does it take AmEx points to transfer to Flying Blue? AmEx points usually transfer instantly into Flying Blue, the frequent-flyer program of AmEx partner Air France/KLM. However, it can sometimes take as long as 48 hours for AmEx points to transfer to Air France/KLM.
- How long does it take AmEx points to transfer to Qantas? AmEx points typically transfer instantly into Qantas Frequent Flyer, but it can take up to 48 hours to post in the program.
Want the full scoop on AmEx transfer times for all partners? 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 program
|Aer Lingus AerClub||Usually instant but can take up to 48 hours|
|AeroMexico Club Premier||Up to 14 business days|
|Air Canada Aeroplan||Usually 30 minutes or less but can take up to 48 hours|
|Air France/KLM Flying Blue||Usually instant but can take up to 48 hours|
|Alitalia MilleMiglia||Usually instant but can take up to 5 business days|
|All Nippon Airways (ANA) Mileage Club||2 to 4 business days|
|Avianca LifeMiles||Up to 72 hours|
|British Airways Executive Club||Usually instant but can take up to 5 business days|
|Cathay Pacific Asia Miles||Usually within 72 hours but can take up to 5 business days|
|Delta SkyMiles||Usually within 30 minutes but can take up to 48 hours|
|El Al Matmid||Up to 48 hours|
|Emirates Skywards||Up to 48 hours|
|Etihad Guest||Usually within 48 hours but can take as long as 3 business days|
|Hawaiian Airlines HawaiianMiles||Up to 48 hours|
|Iberia Plus||4 to 7 days|
|JetBlue TrueBlue||Up to 48 hours|
|Qantas Frequent Flyer||Usually instant but can take up to 48 hours|
|Singapore KrisFlyer||Usually 3 business days, but can take as long as 15 business days|
|Virgin Atlantic Flying Club||Up to 48 hours|
|Choice Privileges||Usually instant but can take up to 48 hours|
|Hilton Honors||Usually within 24 hours but can take up to 5 business days|
|Marriott Bonvoy||Usually within 48 hours but can take up to 5 business days|
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 to post points transfers.
Here is a FAQ on Chase points transfer times for some of Chase Ultimate Rewards' most popular transfer partners:
- How long does it take Chase points to transfer to JetBlue? Chase points typically transfer instantly into TrueBlue, the JetBlue Airways frequent-flyer program.
- How long does it take Chase points to transfer to Southwest? Chase points typically transfer instantly into Southwest Rapids Rewards, the frequent-flyer program for Southwest Airlines.
- How long does it take Chase points to transfer to United? Chase points typically transfer instantly into MileagePlus, the frequent flyer program for United Airlines.
- How long does it take Chase points to transfer to Hyatt? Chase points typically transfer instantly into the World of Hyatt hotel loyalty rewards program.
- How long does it take Chase points to transfer to Marriott? Chase points usually transfer instantly to the Marriott Bonvoy program but may take up to one business day.
|Chase Ultimate Rewards transfer partner program||Transfer time|
|Aer Lingus AerClub||Instantly|
|Air France/KLM Flying Blue||Instantly|
|British Airways Executive Club||Instantly|
|Singapore KrisFlyer||2 business days|
|Southwest Rapid Rewards||Instantly|
|Virgin Atlantic Flying Club||Instantly|
|IHG Rewards Club||Instantly|
|World of Hyatt||Instantly|
|Marriott Bonvoy||1 business day|
Can you get around 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. That 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.
One such program is Delta's Fly Now, Earn Later program. As an AmEx cardholder, you may have the option to book flights with miles you are eligible to receive in the future. If you've got an AmEx-Delta co-branded card, such as the Delta SkyMiles® Gold American Express Card, you can use this program to fly and then earn the miles after your trip by using your card.
Once you enroll, points earned or awarded will be credited toward your Fly Now, Earn Later balance. Any points remaining in your Fly Now, Earn Later balance at the end of the billing period will be billed to you at a cost of 2.5 cents per mile.
The Marriott Points Advance program also 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. Marriott is planning a big overhaul to this program beginning in September 2019 that will not allow you to lock in rates on reservations booked with Points Advance. That means if the rate goes up before your stay, you will likely be required to fork over extra points to cover the new total.
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.
Tips for transferring AmEx and Chase points to partners
- Get linked up now. 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.
- 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 of your available travel options, so you can easily work around points transfer delays.
- 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.
- Travel uncommon routes. 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 also will reduce the likelihood that you'll lose your desired seats before your points have time to post.
- Have a plan B. Plan an alternate route or a different vacation using the airline to which you plan to transfer points. 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.
Final thoughts on AmEx and Chase points transfer times
Frequent flyers prize transferable points for their flexibility, but transferring points into partner programs can also make booking award travel more complicated. You may expect an instant transfer and then get thrown for a loop when your points take longer to post.
AmEx and Chase offer two of the best, most flexible transferable points programs available, but cardholders must brush up on transfer times for different partners to avoid getting grounded by a points transfer delay.
As long as you take AmEx and Chase points transfer times into account when planning your trip, you can be packing your bags and lifting off into the clouds, or laying your head on that fluffy hotel pillow, in no time.
The information related to the Chase Slate®, Ink Business Preferred℠ Credit Card, Chase Freedom® and Chase Freedom Unlimited® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.