How to Transfer Chase Ultimate Rewards Points to Marriott Bonvoy for Your Next Hotel Stay
How to Transfer Chase Ultimate Rewards Points to Marriott Bonvoy for Your Next Hotel Stay - Eligible Chase Credit Cards and the 1:1 Transfer Ratio
Look, I've spent way too many hours staring at point valuations, and the Chase-to-Marriott 1:1 ratio is a bit of a head-scratcher if you care about the raw math. While your points move over at an even exchange, you're trading Chase points often worth 2 cents for Marriott points that usually hover around 0.8 cents. It’s a bit of a gut punch to lose that much value unless you’re eyeing a high-end St. Regis or Ritz-Carlton stay where the redemption math actually starts to make sense. To even start this process, you’ll need a "bridge" card like the Chase Sapphire Preferred, Sapphire Reserve, or the Ink Business Preferred. But don't
How to Transfer Chase Ultimate Rewards Points to Marriott Bonvoy for Your Next Hotel Stay - Step-by-Step Instructions for Transferring Points via the Chase Portal
Honestly, once you’ve decided to take the value hit for that dream resort, the actual clicking part is where most people get a little nervous. You'll want to log into your Chase dashboard and find the "Rewards" section, but keep in mind that the mobile app likes to hide the "Transfer to Travel Partners" link inside a sub-menu called "Rewards Details." It's a bit annoying compared to the desktop version, where everything is just laid out in a nice horizontal bar right in front of you. Once you're in, remember that you have to move points in blocks of 1,000. And if you try to send 1,500 points, the system will just stare at you, leaving that awkward 500-point remainder sitting in your account like a lonely sock. Here is a big one: make sure your name on your Chase profile matches your Marriott Bonvoy account exactly, character for character. If there’s even a tiny mismatch, the API will likely kick the request back instantly to prevent fraud, which is a headache nobody needs. Usually, the digital handshake between these two servers is lightning fast—we’re talking under ten seconds—but I’ve seen it take up to 48 hours during busy holiday rushes. If this is your first time linking the accounts, don't panic if Chase puts a 24-hour verification hold on the transfer just to be safe. And look, once you hit that final submit button, there's no going back because the transaction uses a one-way cryptographic token that even a manager can't undo. You also have to realize you're changing the rules of your points; they go from never-expiring Chase assets to Marriott points that vanish after 24 months of inactivity. It’s a permanent move, so just double-check your room availability one last time before you pull the trigger.
How to Transfer Chase Ultimate Rewards Points to Marriott Bonvoy for Your Next Hotel Stay - Timing Your Transfer to Leverage Limited-Time Bonus Offers
Okay, so we know the standard 1:1 transfer ratio usually feels like you’re taking a value haircut, which is exactly why you can't just move points willy-nilly; you have to wait for the limited-time bonus to make the math work. Historically, the sweet spot has been the reliable 30% bonus, which is the magic number that finally makes the transfer mathematically defensible, pushing your effective redemption value up to about 1.3 cents per point. And here’s the cool, slightly engineered predictability of it all: these 30% bumps show up like clockwork, generally during the Q2 and Q4 travel shoulder seasons, meaning you can reliably plan for windows in April/May and October/November. I mean, yes, there was that mythical 50% bonus back in 2019, but honestly, chasing that unicorn is a waste of time, so stick to planning around the predictable 30%. One thing I really appreciate from an operational standpoint is that when Chase runs this promotion, they process the bonus points *simultaneously* with the base transfer. That instant delivery is huge because you don't have to wait four to six weeks for the extra percentage to hit, which is key when you’re trying to immediately secure a high-demand award booking. But look, if you’re planning a massive transfer—say, anything over 200,000 Ultimate Rewards points in one go—be prepared for a potential internal delay. Those big numbers often trigger a mandatory manual fraud review, which can tack on up to 72 hours even if the normal transfer is usually instantaneous. Oh, and a quick tangent: sometimes, these limited-time bonuses are excluded if you try to initiate the transfer from a specific Marriott co-branded Chase card; you need to make sure the points are coming straight out of your core Sapphire or Ink product to qualify. Finally, you have to be tactical about the booking itself; sometimes when everyone floods Marriott with points during a bonus month, the award price for those aspirational Category 7 and 8 properties actually inflates by 5 to 10%. So, if you see a great rate, pull the trigger. You don't want the bonus value to disappear while you sit on the sidelines, waiting for a better day that might not come.
How to Transfer Chase Ultimate Rewards Points to Marriott Bonvoy for Your Next Hotel Stay - Evaluating Redemption Value: When to Transfer vs. Booking via the Travel Portal
I’ve spent a lot of time crunching these numbers, and honestly, deciding whether to move points to Marriott or just book through the Chase portal is where most people leave money on the table. If you’re holding a Sapphire Reserve, you’re getting a guaranteed 1.5 cents per point in the portal, which, if we’re being real, blows Marriott’s typical 0.84-cent average out of the water. But it isn't just about the raw math; it’s about the trade-offs that don't show up on a spreadsheet. See, when you book through the portal, Chase is basically acting like an online travel agency, and that means Marriott usually won't give you elite night credits or respect your status for things like