Do you have a stack of Chase Ultimate Rewards points piling up and a dream of luxurious stays at Marriott properties worldwide? You've come to the right place! Transferring Chase points to Marriott Bonvoy can unlock incredible value, especially when a good transfer bonus is on offer. While the process is straightforward, understanding the nuances can help you maximize your travel hacking game.
Let's dive into a comprehensive, step-by-step guide on how to seamlessly move your Chase points into your Marriott Bonvoy account.
The Power of Transferring Points: Why Consider Marriott Bonvoy?
Before we get into the "how," let's quickly touch upon the "why." Chase Ultimate Rewards are renowned for their flexibility. While you can redeem them for cash back, gift cards, or travel through the Chase portal, transferring them to airline and hotel partners often yields the highest value. Marriott Bonvoy, with its vast global portfolio of hotels, from budget-friendly options to ultra-luxury resorts, is a popular choice for many travelers.
Important Note: The standard transfer ratio from Chase Ultimate Rewards to Marriott Bonvoy is 1:1. This means 1,000 Chase points become 1,000 Marriott Bonvoy points. However, always be on the lookout for transfer bonuses! Chase occasionally offers promotional periods where you can get a significant percentage more Marriott points for your Chase points (e.g., 50% or even 65% bonus, as seen recently). These bonuses can dramatically increase the value of your transfer.
Your Step-by-Step Guide: How to Transfer Chase Points to Marriott Bonvoy
Ready to transform your Chase points into Marriott stays? Let's get started!
Step 1: Get Ready! Do You Have the Right Chase Card?
Hold on a minute! Before we even log in, let's confirm you have an eligible Chase card. Not all Chase cards allow direct transfers to travel partners. To transfer Chase Ultimate Rewards points to Marriott Bonvoy, you need a premium Chase credit card. These typically include:
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Ink Business Preferred® Credit Card
If you only have a Chase Freedom Flex or Chase Freedom Unlimited, you'll first need to combine your points with one of the above premium cards before you can transfer them to Marriott. If you don't have one of these premium cards, consider applying for one to unlock this valuable transfer ability!
Step 2: Log In to Your Chase Ultimate Rewards Account
This is where the magic begins!
Navigate to the Chase Ultimate Rewards Portal: Open your preferred web browser and go to the official Chase website.
Log In: Enter your username and password to log in to your Chase online banking account.
Access Ultimate Rewards: Once logged in, look for the "Ultimate Rewards" section or a link that says "Go to Ultimate Rewards." This is usually found near your credit card account details or under a "Rewards" tab. Click on it to enter the Ultimate Rewards portal.
Step 3: Find the "Transfer to Travel Partners" Option
You're now inside the Ultimate Rewards portal. It's a treasure trove of redemption options!
Locate the Travel Menu: At the top of the page, or sometimes on a sidebar, you'll typically see a menu with options like "Travel," "Cash Back," "Gift Cards," etc. Click on the "Travel" dropdown or section.
Select "Transfer Points to Partners": Within the "Travel" section, you'll find an option specifically for "Transfer points to partners" or something similar. This is what you're looking for! Click on it.
Step 4: Choose Marriott Bonvoy as Your Transfer Partner
You'll now see a list of Chase's airline and hotel transfer partners.
Scroll and Find Marriott Bonvoy: The partners are usually listed alphabetically, or sometimes with airlines first, then hotels. Scroll down until you see "Marriott Bonvoy" listed among the hotel partners.
Click on Marriott Bonvoy: Select Marriott Bonvoy to initiate the transfer process for this specific partner.
Step 5: Link Your Marriott Bonvoy Account (If Not Already Linked)
This is a crucial one-time step if you haven't transferred to Marriott Bonvoy before from this Chase account.
Enter Loyalty Account Details: Chase will prompt you to enter your Marriott Bonvoy loyalty program account number.
Pro-Tip: Ensure the name on your Chase Ultimate Rewards account exactly matches the name on your Marriott Bonvoy account. Any discrepancies can cause delays or transfer failures.
Confirm and Link: Follow the on-screen instructions to confirm your details and link your accounts. Once linked, you typically won't need to do this step again for future transfers from the same Chase account.
Step 6: Specify the Number of Points to Transfer
Now for the actual point transfer!
Enter Point Amount: You'll see a field where you can enter the number of Chase Ultimate Rewards points you wish to transfer.
Important: Chase Ultimate Rewards points typically transfer to Marriott Bonvoy in increments of 1,000 points. You cannot transfer, for example, 500 points or 1,250 points. Make sure your desired amount is a multiple of 1,000.
Review Any Transfer Bonuses: If there's a current transfer bonus active, Chase will usually display the total number of Marriott Bonvoy points you will receive after the bonus is applied. Double-check this amount to confirm you're getting the bonus you expect.
Step 7: Review and Confirm Your Transfer
This is your last chance to catch any errors!
Verify Details: Carefully review all the transfer details:
The number of Chase points you're sending.
The number of Marriott Bonvoy points you will receive (including any bonuses).
Your Marriott Bonvoy account number.
Understand Finality: Chase will prominently state that all point transfers are final and cannot be reversed. Once you submit, those points are going to Marriott, so be absolutely sure of your decision.
Submit Transfer: If everything looks correct, click the "Submit" or "Confirm" button to complete the transfer.
Step 8: Await Points Posting to Your Marriott Bonvoy Account
The waiting game begins!
Transfer Time: While many Chase Ultimate Rewards transfers to partners are instantaneous, Marriott Bonvoy transfers can sometimes take up to 24-48 hours, and in rare cases, up to 4 days to reflect in your Marriott Bonvoy account.
Check Your Marriott Account: After initiating the transfer, log in to your Marriott Bonvoy account online to monitor your point balance. You'll see the transferred points appear there once the process is complete.
Maximizing Your Transfer Value: When Does it Make Sense?
While transferring points is generally a good strategy, it's essential to consider the value proposition.
Current Point Valuations: As of mid-2025, The Points Guy (TPG) values Chase Ultimate Rewards points at around 2.05 cents per point and Marriott Bonvoy points at 0.7 cents per point. At the standard 1:1 ratio, transferring Chase points to Marriott generally represents a decrease in value.
The Power of Transfer Bonuses: This is where it gets interesting! If there's a 50% transfer bonus, your 1,000 Chase points become 1,500 Marriott Bonvoy points. At TPG's valuation, 1,500 Marriott points are worth about $10.50 (1500 * 0.007). This is still less than the $20.50 value of 1,000 Chase points.
However, a 65% bonus (1,000 Chase = 1,650 Marriott) would yield $11.55 in Marriott value.
Strategic Redemptions: The real magic happens when you have a specific, high-value Marriott redemption in mind. For instance, if a hotel night costs $500 in cash but only 50,000 points, and you can transfer Chase points with a bonus to cover that, it could be a fantastic deal, even if the per-point valuation seems lower. Look for Marriott's "Stay for 5, Pay for 4" perk, where you get a free fifth night when booking with points. This can significantly enhance your value.
Topping Off Your Account: If you're just short of enough points for a coveted Marriott award stay, transferring a small amount from Chase can be a perfect "top-off" strategy.
Avoiding Cash Out: If your only alternative is to cash out Chase points at 1 cent per point, transferring them to Marriott (especially with a bonus) could still offer better value for your travel goals.
In summary, do the math for your specific redemption! Don't transfer speculatively; transfer when you have a clear plan for how to use those Marriott points.
Frequently Asked Questions (FAQs)
How to check if my Chase card is eligible for points transfer?
You can check by logging into your Chase Ultimate Rewards account. If you see the "Transfer points to partners" option under the "Travel" section, your card is eligible. Generally, Chase Sapphire Preferred, Chase Sapphire Reserve, and Ink Business Preferred cards are eligible.
How to combine Chase points from different cards?
Log in to your Chase Ultimate Rewards account, select one of your premium cards (Sapphire or Ink Preferred), and look for an option like "Combine Points" or "Transfer Points to Other Chase Cards." You can then move points from your Chase Freedom cards to your premium card, making them transferable to Marriott.
How to find my Marriott Bonvoy account number?
You can find your Marriott Bonvoy account number by logging into your Marriott Bonvoy account on the Marriott website or through the Marriott Bonvoy mobile app. It's usually displayed prominently on your account dashboard.
How to know if there's a Chase to Marriott transfer bonus?
Chase typically advertises transfer bonuses directly within the Ultimate Rewards portal when you go to transfer points. Travel blogs and points and miles websites are also excellent resources for staying updated on current transfer promotions.
How to reverse a Chase points transfer to Marriott?
Unfortunately, you cannot reverse a Chase points transfer to Marriott Bonvoy. All transfers are final. This is why it's crucial to confirm all details and have a solid redemption plan before initiating the transfer.
How to ensure my names match on both accounts?
Carefully compare the first and last names associated with your Chase Ultimate Rewards account and your Marriott Bonvoy account. If there are any discrepancies (e.g., middle initial, suffix), contact Chase and/or Marriott customer service to get them aligned before attempting a transfer to avoid issues.
How to tell if the transfer was successful?
You'll typically receive an email confirmation from Chase after the transfer is initiated. The best way to confirm is to log into your Marriott Bonvoy account and check your point balance after the expected transfer time (usually a few hours to a couple of days).
How to get the best value from Marriott Bonvoy points?
To get the best value, aim for redemptions where the cash price of a hotel stay is significantly higher than the points required. Look for "Stay for 5, Pay for 4" redemptions, off-peak pricing, or luxury properties where the cash price would be prohibitive.
How to transfer points if I don't have a premium Chase card?
If you only have a Chase Freedom or Freedom Flex, you'll first need to apply for and be approved for a Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred card. Once you have one of these cards, you can combine your points from your Freedom card(s) into the premium card's Ultimate Rewards account, then transfer them to Marriott.
How to avoid common transfer mistakes?
Don't transfer speculatively: Only transfer when you have a specific, immediate redemption in mind.
Check award availability: Before transferring, ensure the Marriott property and dates you want are available for point redemptions.
Confirm names match: Verify that your name on both accounts is identical.
Double-check the transfer amount: Remember transfers are in 1,000-point increments and are irreversible.
By following this comprehensive guide and keeping these tips in mind, you'll be well on your way to leveraging your Chase Ultimate Rewards points for fantastic stays at Marriott Bonvoy properties! Happy travels!
