How to transfer Chase Ultimate Rewards points to United MileagePlus

July 09, 2025

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10 min read

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Quick summary

Chase Ultimate Rewards is one of my favorite transferable rewards currencies due to the sheer number of high-value airline and hotel loyalty programs its 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 MileagePlus and other things you should know before transferring your Ultimate Rewards points.

Chase Sapphire Reserve®: Earn 100,000 bonus points plus a $500 Chase Travel℠ credit after spending $5,000 on purchases in the first three months from account opening (see rates and fees).

How to transfer Chase points to United MileagePlus

To transfer Chase points to United MileagePlus, 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. 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 Airlines row. Doing so will take you to an information page about transferring Chase points to United MileagePlus.

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 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.

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Transfers are irreversible, so always make sure you find award availability or are certain that you want to transfer your points before clicking "submit."

How long do Chase points take to transfer to United MileagePlus?

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.

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 July 2025 valuations, Chase points are worth 2.05 cents each while United miles are worth 1.3 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 MileagePlus?

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.

However, based on our valuations, United MileagePlus isn't the most valuable Chase transfer partner. For example, while our July 2025 valuations peg the value of United miles at 1.3 cents each, we value some other Chase transfer partners, including World of Hyatt, British Airways Club and Air Canada Aeroplan, higher at 1.7 cents each for Hyatt and 1.4 cents each for British Airways and Air Canada.

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. 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.

If you would otherwise redeem your points for travel through the Chase Travel℠ portal, transferring points to United could provide more value. Consider how much value you'd get when redeeming United points and compare this with your redemption rate through Chase Travel.

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 Chase Ultimate Rewards cards that are currently available:

Card	Welcome offer	Earning rate	Annual fee
Chase Sapphire Preferred® Card (see rates and fees)	Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.	5 points per dollar spent on travel purchased through Chase Travel 3 points per dollar spent on dining, select streaming services and online groceries (excluding Walmart, Target and wholesale clubs) 2 points per dollar spent on all other travel purchases 1 point per dollar spent on all other purchases	$95
Chase Sapphire Reserve	Earn 100,000 bonus points plus a $500 Chase Travel promo credit after spending $5,000 on purchases in the first three months from account opening.	8 points per dollar spent on all purchases through Chase Travel, including The Edit 4 points per dollar spent on flights and hotels booked directly 3 points per dollar spent on dining worldwide 1 point per dollar spent on all other purchases	$795
Chase Freedom Unlimited® (see rates and fees)	Earn $200 cash back after spending $500 on purchases in the first three months from account opening.	5% cash back on travel purchased through Chase Travel 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services 1.5% cash back on all other purchases	No annual fee
Chase Sapphire Reserve for Business℠ (see rates and fees)	Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.	8 points per dollar spent on all purchases through Chase Travel, including The Edit 5 points per dollar spent on Lyft rides through Sept. 30, 2027 4 points per dollar spent on flights and hotels booked directly 3 points per dollar spent on social media and search engine advertising 1 point per dollar spent on all other purchases	$795
Ink Business Preferred® Credit Card (see rates and fees)	Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.	3 points per dollar spent on the first $150,000 of travel purchases; shipping purchases; advertising purchases made with social media sites and search engines; and 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 bonus cash back after spending $3,000 on purchases in the first three months from account opening. Plus, earn an additional $400 bonus cash back after spending $6,000 on purchases in the first six months from account opening.	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% cash back on all other purchases	No annual fee
Ink Business Unlimited® Credit Card (see rates and fees)	Earn $750 bonus 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 Reserve Business, 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.

Featured image by WESTEND61/GETTY IMAGES

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.