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Marriott
- Through December 20, 2022, you can a 40% bonus when transferring Chase points to Marriott.
- This improves the current 1:1 transfer rate to 5:7.
- Unless you’ve got a specific high-value hotel redemption in mind, it’s still not a good idea to transfer Chase points to Marriott.
- Read Insider’s guide to the best Chase credit cards.
A healthy stash of Chase Ultimate Rewards points can save you thousands of dollars in travel. You can transfer them to valuable airline and hotel partners such as Air Canada Aeroplan, Hyatt, United Airlines, and more if you hold at least one of the following cards:
Chase also has a few transfer partners that tend to offer subpar value. Marriott is one of them.
But through December 20, 2022, you’ll get a 40% bonus when transferring Chase points to Marriott. That makes Marriott a considerably more reasonable destination for your Chase points. It could certainly be worth taking advantage of — if you know the best ways to use Marriott points.
Here’s what you need to know about this deal.
Insider’s Featured Rewards Credit Cards
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.
Limited time offer of 30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening (offer expires 01/10/2023)
Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases
80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
40% bonus when transferring Chase Ultimate Rewards to Marriott
Per Insider’s valuations, Chase points are worth 1.8 cents each — while Marriott points are worth just 0.7 cents each. In other words, it’s almost always a bad idea to transfer Chase points to Marriott.
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With this 40% transfer bonus, you’ll get 1.4 Marriott points for every Chase point you transfer. That narrows the value disparity slightly, giving you effectively 0.98 cents in Marriott points for every 1.8 cents in Chase points you transfer.
In almost all cases, you should still steer clear of transferring Chase points to Marriott. After all, you can redeem Chase points through the Chase Travel Portal for between 1.25 and 1.5 cents each (depending on which Ultimate Rewards-earning card you have) for a Marriott hotel.
For example, the Columbus Airport Marriott charges 21,000 points for the night of September 3, 2023. With this 40% transfer bonus, you could convert 15,000 Chase points into Marriott points to reserve this room for free.
Marriott
The same night costs $131 in cash via the Chase Travel Portal. If you have the Chase Sapphire Preferred® Card, you can reserve this room for just 10,452 Chase points. That’s a savings of more than 4,500 points over transferring to Marriott.
Chase
That’s not to say there are no scenarios in which it’s a bad idea to transfer points to Marriott. If you’ve got a very specific redemption in mind which you know you’ll get a good value for your points, it could be worthwhile. For example, I recently booked a Marriott stay which netted me 5.9 cents per point. I don’t currently have all the points I need for my stay — and if I don’t get them within 14 days of my stay, my reservation will be cancelled. Because of this, I haven’t entirely ruled out transferring Chase points to Marriott — after all, I’d be getting a value of 8.26 cents per point.
How to earn Chase Ultimate Rewards
You can earn Chase points quickly by opening any of the best Chase credit cards which earn Ultimate Rewards points:
- Chase Sapphire Preferred® Card — 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
- Chase Sapphire Reserve® — 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
- Ink Business Preferred® Credit Card — 100,000 points after spending $15,000 on purchases in the first 3 months from account opening
And if you’ve got one of the above cards, you can convert the rewards you earn with the following no annual fee credit cards into Marriott points, as well:
- Chase Freedom Flex℠— $200 after spending $500 on purchases in the first three months from account opening
- Chase Freedom Unlimited® — 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
- Ink Business Cash® Credit Card— $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening (highest ever)
- Ink Business Unlimited® Credit Card— $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening (highest ever)
Note that you must hold an annual fee-incurring Chase Ultimate Rewards card if you want to transfer your points to Marriott (or any Chase partner). Also check out our post on the Chase 5/24 rule to ensure you qualify for a Chase Ultimate Rewards card before you apply.
Bottom line
Chase has announced a new promotion that provides 40% bonus Marriott points when transferring Chase Ultimate Rewards. Still, converting Chase points into Marriott points is far from a no-brainer.
If you think you’ll get at least 1.8 cents per Chase point by transferring to Marriott, this is a good deal. For most other cases, we recommend giving this offer a pass.
