You can currently earn a 40% bonus when transferring Chase Ultimate Rewards points to Marriott, but it's only good value in certain situations.

You can currently earn a 40% bonus when transferring Chase Ultimate Rewards points to Marriott, but it’s only good value in certain situations.

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Exterior of the Ritz-Carlton Half Moon Bay, a Marriott hotel, at sunset

The Ritz-Carlton Half Moon Bay is a strong guaranteed use of Marriott points.

Marriott



  • Until December 20, 2022, you can get a 40% bonus when transferring Chase Points to Marriott.
  • This improves the current transfer rate from 1:1 to 5:7.
  • Unless you have a specific high-value hotel redemption in mind, it’s still not a good idea to transfer Chase Points to Marriott.
  • Read the Insider’s guide to the best Chase credit cards.

A good supply 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, etc. if you hold at least one of the following cards:

Chase also has a few transfer partners that tend to offer below average value. Marriott is one of them.

But until December 20, 2022, you’ll get a 40% bonus when transferring Chase Points to Marriott. This makes Marriott a much more reasonable destination for your Chase points. It could definitely 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 Featured Rewards Credit Cards

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Earn unlimited 3x points on restaurants, travel, gas stations, public transport, 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 on purchases within the first 3 months of account opening (offer expires 01/10/2023)

Earn 3x ThankYou® points in 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 spending $4,000 on purchases within the first 3 months of account opening

Earn 5x points on all trips purchased through Chase Ultimate Rewards. Earn 3X points on meals, including qualifying delivery services, takeout and restaurants. 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 trips. Earn 1x point per dollar on everything else.

60,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening

We focus here on the rewards and benefits that come with each card. These cards aren’t worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay off your balance in full each month, make your payments on time, and only spend what you can afford.

40% bonus when transferring from Chase Ultimate Rewards to Marriott

According to Insider’s ratings, Chase points are worth 1.8 cents each, while Marriott points are only worth 0.7 cents each. In other words, it’s almost always a bad idea to transfer Chase points to Marriott.

With this 40% transfer bonus, you will earn 1.4 Marriott points for every Chase point you transfer. This narrows the disparity in value slightly, effectively giving you 0.98 cents in Marriott points for every 1.8 cents in Chase points you transfer.

In almost all cases, you should always avoid 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 winning Ultimate Rewards 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 book this room for free.

Screenshot of Marriott Columbus Airport rewards prices via Marriott website

Marriott



The same night costs $131 cash through the Chase travel portal. If you have the Chase Sapphire Preferred® card, you can reserve this room for only 10,452 Chase points. That’s a savings of over 4,500 points compared to transferring to Marriott.

Screenshot of Marriott Columbus Airport prices via Chase travel portal

Hunt



This does not mean that there is Nope scenarios in which it is a bad idea to transfer points to Marriott. If you have a very specific purchase in mind that you to know you’ll get good value for your points, it might be worth it. For example, I recently booked a Marriott stay which earned me 5.9 cents per point. I don’t currently have all the points I need for my stay — and if I don’t have them within 14 days of my stay, my reservation will be cancelled. For this reason, I haven’t entirely ruled out transferring Chase points to Marriott – after all, I’d be getting 8.26 cents worth per point.

How to Earn Chase Ultimate Rewards

You can earn Chase points fast by opening one of the best Chase credit cards that earn Ultimate Rewards points:

  • Chase Sapphire Preferred® Card – 60,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening
  • Chase Sapphire Reserve® – 80,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening
  • Ink Business Preferred® Credit Card — 100,000 points after spending $15,000 on purchases within the first 3 months of account opening

And if you have one of the cards above, you can also convert the rewards you earn with the following no-annual-fee credit cards into Marriott Points:

  • Chase Freedom Flex℠—$200 after spending $500 on purchases within the first three months of account opening
  • Chase Freedom Unlimited® – 1.5% cash back on top of regular earnings 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 cash back after spending $6,000 on purchases within the first three months of account opening (highest ever)
  • Ink Business Unlimited® Credit Card – $900 cash back after spending $6,000 on purchases within the first three months of account opening (highest ever)

Note that you to have to hold a Chase Ultimate Rewards card for an annual fee if you want to transfer your points to Marriott (or any Chase partner). Also check out our Chase 5/24 Rule article to make sure you qualify for a Chase Ultimate Rewards card before you apply.

At the end of the line

Chase has announced a new promotion that offers 40% bonus Marriott points when transferring from Chase Ultimate Rewards. However, converting Chase points into Marriott points is far from straightforward.

If you think you’ll get at least 1.8 cents per Chase point by transferring to Marriott, that’s a good deal. In most other cases, we recommend giving this offer a pass.

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