Oh, hello there, fellow travel enthusiast! Are you sitting on a mountain of Chase Ultimate Rewards points, dreaming of a luxurious Marriott stay, and wondering how quickly those points can whisk you away? You've come to the perfect place! Understanding the nuances of point transfers is key to maximizing your travel rewards, and the Chase to Marriott Bonvoy transfer is a common one. Let's dive deep into everything you need to know, from transfer times to step-by-step instructions and important considerations.
Unlocking Your Marriott Dream: How Quickly Do Chase Points Transfer?
The burning question on your mind is undoubtedly, "How quickly will my Chase points transform into Marriott Bonvoy points?" This is a crucial factor, especially if you're eyeing a specific award night that might disappear quickly.
The good news is that Chase Ultimate Rewards points typically transfer to Marriott Bonvoy instantly or within a few hours. Many users report immediate transfers, allowing for spontaneous redemptions. However, Marriott itself states that points will post within 4 days of your request. While instant transfers are common, it's always wise to factor in a buffer, especially for critical bookings.
Why the discrepancy? While Chase's system often processes the transfer almost immediately, the actual reflection in your Marriott Bonvoy account can sometimes take a little longer due to processing on Marriott's end. Think of it like an instant bank transfer – the money leaves your account immediately, but the recipient's bank might take a little while to show it.
Important Note on Transfer Bonuses: If you're lucky enough to catch a Chase Ultimate Rewards to Marriott Bonvoy transfer bonus (which Chase often offers!), the bonus points usually post instantly along with the base points. However, some users have reported slight delays (up to 24 hours) for the bonus portion to appear. Always check the terms of the specific bonus offer.
Your Step-by-Step Guide to Transferring Chase Points to Marriott Bonvoy
Ready to turn those hard-earned Chase points into incredible Marriott stays? Follow this comprehensive guide:
Step 1: Confirm You Have the Right Chase Card
Before you even think about transferring, ensure you possess an eligible Chase credit card that earns transferable Ultimate Rewards points. Not all Chase cards allow transfers to travel partners.
Eligible Cards:
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Ink Business Preferred® Credit Card
If you have a Chase Freedom or Chase Freedom Unlimited card, you'll need to first combine your points with one of the above premium cards before you can transfer them to Marriott.
Step 2: Access Your Chase Ultimate Rewards Portal
This is where the magic begins!
Sub-heading: Logging In:
Open your web browser and navigate to the Chase Ultimate Rewards portal (usually accessible by logging into your Chase online banking account and clicking on your rewards balance).
Enter your secure login credentials.
Sub-heading: Navigating to Transfer Partners:
Once you're in the Ultimate Rewards portal, look for a section related to "Travel" or "Redeem Points."
Within this section, you'll typically find an option like "Transfer to Travel Partners" or "Transfer points to partners." Click on this.
Step 3: Choose Marriott Bonvoy as Your Transfer Partner
You'll see a list of Chase's airline and hotel transfer partners.
Sub-heading: Locating Marriott Bonvoy:
Scroll down the list until you find Marriott Bonvoy. It's usually listed under the "Hotels" section.
Look for any active transfer bonuses – these will be clearly displayed next to the Marriott Bonvoy logo, showing you the enhanced transfer ratio (e.g., "50% bonus"). This is a great way to get more value!
Sub-heading: Initiating the Transfer:
Click on the "Transfer Points" button or link associated with Marriott Bonvoy.
Step 4: Link Your Marriott Bonvoy Account (If Not Already Linked)
For your first transfer, you'll need to link your Marriott Bonvoy account to your Chase Ultimate Rewards account.
Sub-heading: Entering Your Details:
Chase will prompt you to enter the name of the primary account user on the Marriott Bonvoy account and your Marriott Bonvoy loyalty account number.
Crucial Tip: Ensure the name on your Chase Ultimate Rewards account exactly matches the name on your Marriott Bonvoy account. Even minor discrepancies (like a middle initial or a hyphen) can cause delays or issues. If there's a mismatch, it's best to contact Chase or Marriott to resolve it before initiating the transfer.
If you don't have a Marriott Bonvoy account yet, you'll need to create one on the Marriott website before proceeding.
Step 5: Specify the Number of Points to Transfer
Now for the actual transfer!
Sub-heading: Entering the Point Amount:
Enter the desired number of Chase Ultimate Rewards points you wish to transfer.
Chase requires transfers to be in increments of 1,000 points. You cannot transfer, for example, 500 points or 1,234 points.
Remember the 1:1 transfer ratio (or better, if there's a bonus!) – 1,000 Chase points typically become 1,000 Marriott Bonvoy points. If there's a 50% bonus, 1,000 Chase points would become 1,500 Marriott Bonvoy points.
Sub-heading: Double-Checking Award Availability:
This is arguably the MOST important step! Before you finalize the transfer, go to the Marriott Bonvoy website and confirm that the award availability for your desired hotel and dates is still there.
Why is this so critical? Point transfers are final and irreversible. Once those points leave your Chase account for Marriott, they cannot be transferred back to Chase Ultimate Rewards. If your desired award space disappears while your points are in transit (even if it's a short transit!), you'll be stuck with Marriott Bonvoy points you might not immediately use for your intended purpose.
Step 6: Review and Confirm Your Transfer
The final checks before you hit "submit."
Sub-heading: Verifying Details:
Carefully review all the details of your transfer: the number of points, the recipient Marriott Bonvoy account number, and the name.
Read any terms and conditions associated with the transfer.
Sub-heading: Submitting the Request:
Once you're confident everything is accurate, click the "Submit" or "Confirm" button to initiate the transfer.
Step 7: Monitor Your Marriott Bonvoy Account
Now, the waiting game (which is often a very short game!).
Sub-heading: Checking Your Balance:
Log in to your Marriott Bonvoy account on the Marriott website or through their mobile app.
Keep an eye on your points balance. As mentioned, many transfers are instantaneous, meaning you'll see the points appear almost immediately. Others may take a few hours, and in rare cases, up to 4 days.
If you've transferred during a bonus promotion, confirm that the bonus points have also posted correctly.
Sub-heading: Booking Your Award Stay:
Once the points are in your Marriott Bonvoy account, proceed with booking your desired award stay!
Frequently Asked Questions (FAQs)
Here are 10 related FAQ questions, all starting with "How to," with quick answers:
How to Check My Chase Ultimate Rewards Points Balance?
You can check your Chase Ultimate Rewards points balance by logging into your Chase online banking account and viewing the rewards section associated with your eligible credit card.
How to Combine Chase Ultimate Rewards Points from Different Cards?
Log into your Chase Ultimate Rewards portal, click on "Combine Points," and select the accounts you wish to combine points from and to. This is essential if you have a Freedom card and want to transfer points.
How to Find My Marriott Bonvoy Account Number?
Your Marriott Bonvoy account number can typically be found by logging into your Marriott Bonvoy account on their website or mobile app, usually on your profile or account summary page.
How to Determine the Value of Chase Points When Transferring to Marriott?
Chase Ultimate Rewards points typically transfer to Marriott Bonvoy at a 1:1 ratio. The value you get depends on the Marriott redemption; generally, you aim for a value greater than 1 cent per point for good redemption. Transfer bonuses can significantly increase this value.
How to Transfer Chase Points to Someone Else's Marriott Account?
While you can combine Chase points with a household member's Chase account, direct transfers to another person's Marriott Bonvoy account (who isn't an authorized user on your card) generally require a phone call to Chase. The name on the loyalty account must match the name of a primary cardholder or an authorized user on your Chase account.
How to Deal with a Delayed Chase to Marriott Point Transfer?
If your points haven't appeared after 4 business days, first double-check that your names and account numbers matched exactly. Then, contact Chase Ultimate Rewards customer service, providing them with the transfer details.
How to Take Advantage of Marriott Bonvoy's "Stay 4 Nights, Get 5th Night Free" Benefit?
This benefit automatically applies when you book a five-night (or longer) award stay using points at participating Marriott Bonvoy hotels. The night with the lowest point value will be free.
How to Find Marriott Bonvoy Award Availability?
Log into your Marriott Bonvoy account on their website, use the search function for your desired destination and dates, and select "Use Points/Certificates" when searching to see award availability.
How to Reverse a Chase Points Transfer to Marriott?
You cannot reverse a Chase Ultimate Rewards points transfer to Marriott Bonvoy once it has been completed. Transfers are final, which is why confirming award availability beforehand is so crucial.
How to Earn More Chase Ultimate Rewards Points for Marriott Stays?
Consider opening additional Chase Ultimate Rewards earning credit cards, utilize bonus spending categories on your existing cards, and look out for targeted spending offers from Chase.
