Do Chase and Amex transfer points at the same ratio?

Both programs transfer to most airline and hotel partners at a 1:1 ratio — 1,000 Chase or Amex points becomes 1,000 airline miles or hotel points. One notable exception: Amex transfers to Hilton Honors at 1:2 (1 Amex point equals 2 Hilton points). Transfer ratios can change; verify at chase.com and americanexpress.com before initiating a transfer. Source: Chase (chase.com); AmericanExpress (americanexpress.com); CFPB credit card consumer tools (consumerfinance.gov).

Which program is better for domestic U.S. flights?

Chase Ultimate Rewards has the stronger domestic U.S. airline lineup: United Airlines and Southwest Airlines are Chase-only partners among major U.S. carriers. Amex Membership Rewards' primary domestic airline partner is Delta SkyMiles. If most of your flying is on United or Southwest, Chase typically provides a direct transfer path that Amex does not. Source: Chase (chase.com); AmericanExpress (americanexpress.com).

Can you transfer Amex points to United Airlines?

No. United MileagePlus is a Chase Ultimate Rewards partner, not an Amex Membership Rewards partner. If United is your primary carrier, Chase Sapphire Preferred or Reserve provides the only direct transferable-point path to United MileagePlus. Amex does not currently include United as a transfer partner. Source: Chase (chase.com); AmericanExpress (americanexpress.com).

Can you transfer Chase points to Delta SkyMiles?

No. Delta SkyMiles is an Amex Membership Rewards-exclusive partner among major U.S. airlines. Chase Ultimate Rewards does not transfer to Delta. If Delta is your primary airline, Amex Platinum, Amex Gold, or other Membership Rewards-earning cards provide the only transferable-point path to SkyMiles. Source: Chase (chase.com); AmericanExpress (americanexpress.com).

Which hotel programs can you access from Chase vs. Amex?

Chase transfers to World of Hyatt, IHG Rewards, and Marriott Bonvoy. Amex transfers to Hilton Honors (at 1:2 ratio) and Marriott Bonvoy. Marriott is the only hotel program shared by both ecosystems. Hyatt is widely cited by travel analysts as the most redemption-efficient hotel program among all transferable-point currencies, though program award charts change. Source: Chase (chase.com); AmericanExpress (americanexpress.com).

What Chase cards earn Ultimate Rewards that transfer to partners?

The Chase Sapphire Preferred, Chase Sapphire Reserve, and Ink Business Preferred unlock full airline and hotel transfer partner access. Freedom Flex, Freedom Unlimited, Ink Business Cash, and Ink Business Unlimited earn points that can be pooled with a Sapphire or Ink Preferred account to become transferable. Without a Sapphire or Ink Preferred account, Freedom and Ink Cash points are cashback only. Source: Chase (chase.com).

What Amex cards earn Membership Rewards that transfer to partners?

Cards that earn transferable Amex Membership Rewards include the Amex Platinum, Amex Gold, Amex Green, Blue Business Plus, Business Gold, and Business Platinum. Delta co-branded Amex cards earn Delta SkyMiles — not Membership Rewards. Hilton and Marriott Amex cards earn their respective loyalty currencies, not Membership Rewards. Source: AmericanExpress (americanexpress.com).

Do Chase and Amex offer transfer bonuses to airline partners?

Both programs periodically offer promotional transfer bonuses — typically 25–40% extra miles when transferring to specific airline partners during a limited window. These bonuses are announced on the issuer's website and are not guaranteed to recur. The CFPB advises verifying current terms before initiating any transfer, as point transfers are generally irreversible once completed. Source: Chase (chase.com); AmericanExpress (americanexpress.com); CFPB (consumerfinance.gov).

Do Chase or Amex points expire?

Chase Ultimate Rewards points do not expire as long as your account is open and in good standing. Amex Membership Rewards points do not expire as long as your account is open and in good standing. Points in both programs are forfeited if the account is closed. Source: Chase (chase.com); AmericanExpress (americanexpress.com); CFPB credit card disclosures (consumerfinance.gov).

Which program is stronger for international business class?

Both programs have strong international business-class partners, but they differ by region. Amex's edge: Cathay Pacific Asia Miles (Asia-Pacific), Emirates Skywards (Middle East/Europe), Etihad Guest, and Air France-KLM Flying Blue. Chase's edge: United Business for transatlantic and transpacific routes, Aer Lingus Avios for short-haul Europe. Singapore Airlines KrisFlyer — available via both programs — is consistently cited by travel analysts as the top transferable-point value for business-class awards. Verify award availability and pricing at the airline's website before transferring; transfers are generally irreversible. Source: Chase (chase.com); AmericanExpress (americanexpress.com); Singapore Airlines (singaporeair.com).

How do Chase Ultimate Rewards and Amex Membership Rewards transfer partners compare?

Both Chase Ultimate Rewards and Amex Membership Rewards offer strong transfer partner rosters, but they serve different travel styles. Chase has deeper domestic U.S. airline coverage (United, Southwest) and the Hyatt hotel program. Amex has broader international airline coverage (Delta, Cathay, Emirates, Etihad) and Hilton. They share several partners, including Air France-KLM, Singapore Airlines, and British Airways. Neither is universally better — the right answer depends on which airlines and hotels you actually fly and stay with.

Both programs let you transfer points at 1:1 (or close to it) to airline and hotel loyalty programs, where the best redemptions typically yield 1.5–2+ cents per point. The ecosystems overlap meaningfully but diverge on key routes.

What to know

Credit card points transferred to airline or hotel loyalty programs can often be redeemed for premium-cabin flights or award nights that exceed the cash value of the same points. — CFPB
Transfer partner lists and ratios change; card issuers can modify or remove partners at any time. Always verify the current partner list on the issuer's website before redeeming. — CFPB

Where Chase leads

United Airlines and Southwest — strong for U.S. domestic routes.
World of Hyatt — widely regarded as one of the best hotel programs for point value.
IHG Rewards — useful for budget-to-mid-tier hotels globally.
Aer Lingus and Iberia Avios — Europe and transatlantic routes.

Where Amex leads

Delta SkyMiles — the only major U.S. carrier that transfers from Amex but not Chase.
Hilton Honors — largest hotel footprint globally.
Cathay Pacific Asia Miles — excellent for Asia-Pacific premium cabins.
Etihad and Avianca LifeMiles — niche programs with strong sweet spots.

Shared partners (overlap)

Air France-KLM Flying Blue — great for Europe and partner carrier awards.
Singapore Airlines KrisFlyer — consistently top-rated for premium cabin value.
British Airways Avios — short-haul and transatlantic.
Air Canada Aeroplan — strong North American coverage.
Virgin Atlantic Flying Club — good for transatlantic premium bookings.
Marriott Bonvoy — hotel points from both programs.

Choosing between rewards ecosystems? See the best travel credit cards for 2026 and how much Capital One miles are worth for comparison.

Key takeaways

Chase is stronger for U.S. domestic flying (United, Southwest) and Hyatt.
Amex is stronger for international airlines (Delta, Cathay, Etihad) and Hilton.
Both programs share Air France-KLM, Singapore, British Airways, Aeroplan, and Marriott.
Partner lists change — verify at chase.com and americanexpress.com before redeeming.

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