Chase Ultimate Rewards points transfer to United MileagePlus: how it works

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Chase Ultimate Rewards is one of the best transferable rewards currencies due to its valuable hotel and airline partners, including United MileagePlus .

Here's how to transfer Chase points to United MileagePlus and other things you should know before transferring your Ultimate Rewards points to this useful frequent flyer program.

Can you transfer Chase points to United miles?

Only select Chase cards earn transferable Ultimate Rewards points. These include:

Chase Sapphire Reserve® (see rates and fees )

Chase Sapphire Reserve for Business℠ (see rates and fees )

Chase Sapphire Preferred® Card (see rates and fees )

Ink Business Preferred® Credit Card (see rates and fees )

If you don't have any of these cards, the Chase Sapphire Preferred may be a compelling choice. It offers plenty of perks and solid earning rates across a number of common spending categories, and it is currently offering an elevated welcome offer of 100,000 bonus points earned after spending $5,000 on purchases in the first three months from account opening.

D3SIGN/GETTY IMAGES You can combine rewards from all your Ultimate Rewards cards — including Ultimate Rewards cards like the Chase Freedom Flex® (see rates and fees ) and the Chase Freedom Unlimited® (see rates and fees ) that earn cash-back rewards — into a single account.

If the account you use to collect all your rewards is your Sapphire Reserve, Sapphire Reserve Business, Sapphire Preferred or Ink Business Preferred account, you'll have a stash of points you can transfer to Chase transfer partners like United MileagePlus.

Related: Value simplicity? Why the Chase Sapphire Preferred is now the only card you need

Chase to United transfer ratio

The Chase-to-United Airlines transfer ratio is 1:1. You can only transfer Chase points in increments of 1,000 points, which means you can convert 1,000 Chase points into 1,000 United miles. You may occasionally find a transfer bonus that boosts this transfer ratio, but such bonuses are rare.

Based on TPG's July 2026 valuations , Chase points are worth 2.05 cents each while United miles are worth 1.3 cents each. So, in theory, you will lose value when you transfer Chase points to United, since transferable points are inherently more valuable . As we'll discuss later in this guide, though, this doesn't mean you shouldn't transfer Chase points to United, especially if you have some high-value redemptions in mind.

Related: Chase Sapphire Preferred vs. Sapphire Reserve: Which is better for you?

How long does it take to transfer Chase points to United MileagePlus?

When you transfer Chase points to United, the miles will usually appear in your MileagePlus account instantaneously . However, the transfer process may occasionally take up to seven business days.

Once you submit your transfer request, you will receive an email from Chase stating that your points transfer is in progress. You will then receive another email from Chase once your points transfer is complete. If the miles do not appear in your United account immediately, keep an eye on your email to see when the transfer is complete.

Related: How much are Chase Ultimate Rewards points worth?

How do you transfer Chase points to United MileagePlus?

To transfer Chase points to United MileagePlus, head to the Ultimate Rewards website , log in to your account and select your Ultimate Rewards-earning card (if you have multiple Chase cards). You should land on a dashboard page for the card account you selected.

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

CHASE You'll be directed to a page displaying all Chase transfer partners. Scroll down, then click on the United Airlines row. Doing so will take you to an information page about transferring Chase points to United MileagePlus.

CHASE Click "Transfer Points" to reach a page where you can enter the amount of Chase points you'd like to transfer to United. You must transfer at least 1,000 points and can only transfer in increments of 1,000 points.

CHASE Once you click "Next," you'll need to enter or confirm your United MileagePlus information.

CHASE Click "Next" to reach a summary page before clicking "Submit" to confirm your transfer request.

CHASE Transfers are irreversible, so always ensure you've found award availability or are certain you want to transfer your points before clicking "Submit."

Related: My beginners blueprint to find the flight awards you want

When should you transfer Chase points to United MileagePlus?

As you read this guide, you may wonder whether it's best to transfer Chase points to United. This question is complex, so it's important to consider your specific situation.

Based on our valuations, United MileagePlus isn't the most valuable Chase transfer partner. For example, while our July 2026 valuations peg the value of United miles at 1.3 cents each, we value some other Chase transfer partners, including World of Hyatt , Air Canada Aeroplan and British Airways Club , higher at 1.6 cents each for Hyatt, 1.5 cents each for Air Canada and 1.4 cents each for British Airways.

XAVIER LORENZO/GETTY IMAGES 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. Still, it is possible to get more value from United miles on some redemptions, such as during United award sales and some long-haul business-class awards.

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.

Finally, if you would otherwise redeem your points for travel through the Chase Travel℠ portal , transferring points to United could provide more value. Consider the value you'd receive when redeeming United miles, and compare it to your redemption rate through Chase Travel.

Related: How to use 100,000 Chase points to fly business class to Europe

Bottom line

Now you know how to transfer Chase points to United.

It can be daunting the first time you go to transfer Chase Ultimate Rewards 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.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.