Issuer & programme guide
Chase credit cards — 2026 guide
The transferable-points programme with the best hotel redemption — Ultimate Rewards transfers 1:1 to World of Hyatt. Best for travellers under 5/24.
Quick Answer
Chase Ultimate Rewards is the largest transferable-points programme that ships 1:1 to World of Hyatt — typically the highest cents-per-point redemption available (3–5 cpp at peak Park Hyatt / Andaz properties). Bilt is the only other US programme with 1:1 Hyatt transfer, making the CSP / CSR / Ink stack + a Bilt card the canonical "earn Hyatt points fast" combo. The 5/24 rule (Chase will deny you if you've opened 5+ personal cards across any issuer in the last 24 months) makes Chase approvals time-sensitive.
All Chase cards (33)
Ranked by estimated welcome-bonus value (highest first). Tap any card for the full review and live offer.
What Chase wins on
- ✓World of Hyatt 1:1 transfer — usually the highest-CPP redemption in the points game.
- ✓Sapphire Lounge network is growing fast (NYC, BOS, LAS, PHX, IAH, HKG, more queued).
- ✓Strong portal redemption multipliers (Sapphire Reserve gets 2× back through Chase Travel).
- ✓Co-brand cards (Hyatt, Marriott Bonvoy Boundless, United, Southwest, IHG) all stack with personal Chase MR points.
The trade-offs
- ⚠5/24 rule blocks most applicants who carry other issuers — strict and not overrideable.
- ⚠No Plaza Premium / Priority Pass at the level Amex Plat and Cap One Venture X provide.
- ⚠Lower headline welcome bonuses than Amex / Cap One on a 12-month look-back.
- ⚠Hyatt itself is a smaller footprint than Marriott / Hilton — sweet spots require specific destinations.
Popular Chase comparisons
The matchups our readers actually search for, ranked by query volume.
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Sapphire Reserve Biz vs United Club Infinite
Sapphire Reserve Biz vs United Quest
Sapphire Reserve vs Sapphire Preferred
Sapphire Reserve vs United Club Infinite
Sapphire Reserve vs United Quest
Sapphire Reserve vs United Explorer
Frequently asked questions about Chase
What is Chase 5/24 and how do I check my count?
Chase will likely deny your application if you've opened 5 or more personal credit cards from ANY issuer in the last 24 months. Business cards from Amex, Capital One, Chase Ink, Citi (some) usually don't count toward 5/24. Pull your free credit report from annualcreditreport.com and count personal cards opened in the rolling 24-month window. Authorized user accounts can count too — call Chase to ask for them to be ignored.
Which Chase card has the best welcome bonus?
Welcome bonus values rotate. The Sapphire Preferred, Sapphire Reserve, Ink Business Preferred and Ink Business Unlimited are usually the highest-CPP picks. Check live SUB values on each card page or use our Compare hub to see two side-by-side.
Sapphire Preferred vs Sapphire Reserve — which one?
See /compare/chase-sapphire-preferred-vs-chase-sapphire-reserve for the full side-by-side. CSP ($95 AF) wins for first-time premium-card holders and Hyatt-focused travellers. CSR ($795 AF in 2026) wins if you'll use the $300 travel credit, Edit by CSR credit, and Sapphire Lounges 4+ times a year.
Can I product-change between Chase Sapphire cards?
Yes, after 12 months of owning the card. You can downgrade CSR → CSP or Sapphire Preferred → Freedom (no-AF) without a hard credit pull. Welcome bonuses do NOT apply to product-change opens — you'd need to close + re-apply (subject to the 48-month rule) to get a fresh SUB.
How do Chase UR transfers to Hyatt work?
Log into Chase Travel, pick "transfer points", select World of Hyatt, enter your Hyatt account number and amount. Points arrive in your Hyatt account within minutes (rare; usually instant). Once there, book via hyatt.com — award nights cost 3.5k–45k WoH points depending on category and date.
What about Chase Freedom Flex vs Freedom Unlimited?
Freedom Flex rotates 5× categories quarterly (groceries, gas, restaurants, etc.) plus 3× dining year-round. Freedom Unlimited is 1.5× flat on everything. Both are $0 AF. Most optimisers carry both, plus a Sapphire to convert the cash-back-style points into transferable UR points.
Run the math for your situation
These calculators use the same data this guide runs on.
Related guides
Long-form explainers that go deeper into Chase strategy.
Chase Sapphire Trifecta 2026: La combinación de 3 tarjetas que maximiza Ultimate Rewards (con matemáticas completas)
Dos Freedom sin AF + una Sapphire. Suena simple. La mayoría lo hace mal. El orden de aplicación, reglas de enrutamiento de puntos y matemáticas completas Año 1/Año 2 para tres perfiles de viajero en 2026.
Read
Chase Ultimate Rewards Transfer Partners 2026: El playbook de los 12 socios (con sweet spots)
12 socios de transferencia, solo 4 valen la pena usar regularmente. Sweet spots por socio, matemáticas de CPP y un marco de decisión que convierte 100K UR en $3,000–$4,200 de valor real de viaje en vez de $1,250 en cashback.
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La regla 5/24 de Chase, explicada
La política no oficial de Chase que controla a quién aprueban — y cómo secuenciar tus solicitudes para conseguir las tarjetas que realmente quieres.
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Chase 5/24 Workaround Strategy: 3 maneras legítimas de ser aprobado (2026)
¿Por encima de 5/24 y Chase sigue auto-negando? Tres workarounds que realmente funcionan (laguna Ink Business, eliminación AU, timing 24 meses), uno que no (aplicaciones en sucursal), y las matemáticas de cada uno.
Read
Other ecosystems to consider
Most points-game stacks combine 2-3 of these programmes.
American Express
The premium-perks issuer — Centurion Lounges, FHR hotel credits, 21+ transfer partners. Best for travelers willing to pay for credits.
Open
World of Hyatt
The transferable-points sweet spot — Chase UR + Bilt both transfer 1:1, peak award nights run 3–5 cpp at Park Hyatt / Andaz properties.
Open
Bilt Rewards
The only major card that earns transferable points on rent without a 3% fee. Best for renters and mortgage-payers.
Open
Last reviewed
2026-05-30
Data sources
Issuer pages, public award charts, TPG monthly valuations.
Methodology
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page, but the directory ordering, pros/cons, and Quick Answer are algorithmic and identical for all readers. We never accept payment to change ordering.