Sell Chase Ultimate Rewards,
Get Paid in 1 Business Day.
Get a Quote
In under 30 seconds
Live market rates · updated today
Enter your balance to continue.
Quote calculated after a 30-second form. Specialist confirms by phone.
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We'll show your estimate on the next screen and a specialist will call within 2 hours.
Calculating Payout
Securing current market demand and locking in rates.
Your quote
$0
for your points
Required Next Steps
1. Check email
We sent a verification link to:
you@example.com
2. Confirm identity
Click the verification link in that email to secure your account. Takes 30 seconds.
3. Finalize payout
A specialist will call you within 2 business hours to verify the transfer and send payment.
Verified Broker · 27+ Programs · Paid in under 1 Business Day
Get a premium cash payout for your Chase UR points. Enter your balance in the calculator to see an estimate.
- Quote
- Free
- Commission
- 0%
- Bought
- $50M+
Our Process
How It Works
Convert your unused airline miles, credit card points, or hotel balances into cash in three simple steps. Safe, secure, and fast.
Delta SkyMiles Enter Balance
Select your loyalty program and enter your points balance. Our live rates system sets up your base estimate.
Confirm Offer
Provide your contact details. A points specialist calls you within 2 hours to verify account details and confirm the offer.
Receive Cash
Payment is sent securely via PayPal within 1 business day.
Program Insights
Why Chase Ultimate Rewards Hold Premium Value
Chase Ultimate Rewards points are widely considered the most versatile credit card points in the travel industry. Their high liquidity is driven by an elite network of 1:1 transfer partners, including Hyatt, United, and British Airways. Because these points can be redeemed instantly for premium flights and luxury hotel stays, iBuyPoints pays top-tier cash rates for Chase UR balances.
Elite Partner Liquidity
Direct 1:1 transfers to high-value partners like World of Hyatt unlock premium hotel stays at premium retail values. That demand from the broader points economy is what drives higher cash payouts on Chase UR.
Same Business Day Payout Velocity
Because Chase points transfer instantly, we can verify your balance and finalize PayPal payouts on the same business day as quote acceptance in most cases.
Volume Rate Premium
Balances of 200,000 points or more qualify for our highest payout bracket. We specialize in processing high-volume corporate and personal Chase balances.
Discreet & Secure Chase Transfers
We protect your privacy and accounts. Every transaction is handled manually by a dedicated loyalty specialist. We never share credentials or use automated bots, managing the entire process carefully from start to finish.
Sweet Spots
What Chase UR Could Theoretically Book
Here is what these points could book at peak efficiency. The catch: sweet-spot redemptions require flexible dates, available award space, and a willingness to pay cash for trips like these if you couldn't redeem. Most points holders never end up using them.
World of Hyatt
135,000 to 160,000 pts
Park Hyatt Tokyo, 5 nights
4 nights at points + 5th night free
Experience
Luxury 5-star Tokyo stay
United MileagePlus
80,000 to 105,000 pts
United Polaris Business, US to Europe one-way
Business Class lie-flat seat
Experience
Premium long-haul Business Class
British Airways Avios
70,000 to 100,000 pts
British Airways Club World, Transatlantic
Business Class + cash for surcharges
Experience
Transatlantic Business cabin
The Practical Path
Or skip the chase.
Sweet spots only deliver value if your dates line up with available award space and you'd have paid cash for the trip. For everyone else, points sit idle. Cash works for rent, tuition, a remodel, or your next trip booked your way.
Cash converts your points to spending power you actually use. Most sellers prefer cash today over the gamble of an aspirational redemption they may never book.
Transfer Partners
Where Chase UR Goes
Chase Ultimate Rewards transfers at a 1:1 ratio to all 14 partner programs below, instantly via the Chase Travel portal.
Airlines (11)
United MileagePlus
1:1Polaris Business to Europe
Southwest Rapid Rewards
1:1Domestic flights, Companion Pass
JetBlue TrueBlue
1:1East Coast domestic + Mint
Air Canada Aeroplan
1:1Lufthansa First, ANA First
British Airways (Avios)
1:1Short-haul European Business
Air France/KLM Flying Blue
1:1Trans-Atlantic Promo Awards
Singapore KrisFlyer
1:1Singapore Suites and Business
Emirates Skywards
1:1Emirates First A380
Virgin Atlantic Flying Club
1:1ANA First via partner award
Aer Lingus AerClub
1:1East Coast to Ireland Business
Iberia Plus
1:1Madrid Business off-peak
Hotels (3)
World of Hyatt
1:1Park Hyatt and Andaz premium stays
Marriott Bonvoy
1:1St. Regis and Ritz-Carlton stays
IHG One Rewards
1:1Six Senses and Regent properties
Why People Sell
Common Reasons Chase UR Members Cash Out
Most sellers fall into one of these categories. If you recognize your situation, you are in good company.
Strategy Shift
Moving away from the credit card rewards game or switching to a different points-earning strategy. Liquidate before your balance loses relevance.
Pre-Devaluation Move
Chase has adjusted partner ratios and Pay Yourself Back categories multiple times. Locking in cash value protects against the next adjustment.
Travel Plans Changed
A trip cancelled, kids out of school year-round, or work travel covering most of your premium cabin needs. Points without trips lose their best-case value.
Cash Need
Down payment, tuition, medical bills, business cash flow. Cash today is worth more than the option to fly Polaris in 18 months.
Inherited Balance
A family member can no longer use the account, or the balance transferred via estate. Cash is simpler to handle than navigating partner transfers.
Earning Outpaces Travel
High-spend Chase cards generate points faster than realistic travel can absorb. Million-point balances are common, and most never get optimal use.
Program History
Chase UR Devaluations Over Time
Loyalty programs adjust their value mechanics regularly. Looking at the past helps frame the timing question: hold and hope, or lock in known cash value today.
- 182018
Marriott/SPG Merger Reshapes Hotel Transfers
Marriott absorbed SPG, changing the per-point value when Chase UR transfers to Marriott Bonvoy. Effective per-point hotel value dropped for many properties.
- 222020 to 2022
Pay Yourself Back Categories Adjusted
Chase shifted Pay Yourself Back categories multiple times during the pandemic, reducing the effective cash-equivalent floor for many cardholders.
- 232023
Partner Peak/Off-Peak Pricing Expanded
Multiple Chase transfer partners introduced peak/off-peak pricing, raising the points required for awards at the most desirable dates.
- 242024
Cumulative Partner Pressure
Across all transfer partners, effective per-point value has tightened by an estimated 10 to 15 percent compared to 2020 levels. The trend continues each year.
Process Detail
What to Expect Selling Chase UR
Step-by-step breakdown of a typical transaction. Most sellers go from quote request to payment in 1 to 2 business days.
Submit Quote Request
Enter your Chase UR balance in the calculator and submit your contact details. No commitment, no obligation.
Specialist Callback
A Chase UR specialist calls during business hours to confirm your balance type (Sapphire Reserve, Preferred, Ink, Freedom) and present a firm offer.
Verification Call Scheduled
If you accept the offer, we schedule a verification call at your convenience. Same business day verification is common.
Account Verification and Transfer
On the verification call, you confirm account ownership and initiate the Chase UR transfer to our partner account using your Chase login.
Payment Sent
Once the transfer settles, payment is sent via PayPal, typically the same business day.
Confirmation and Receipt
You receive a confirmation email with transaction details, payment receipt, and a direct contact for any follow-up questions.
Ready to Cash Out Your Points?
Get your live estimate in under a minute. Most payouts complete within 1 business day.
FAQ
Frequently Asked Questions
Common questions, answered straight.
Yes. Chase UR points are the same currency regardless of which card earned them. You can sell from a Sapphire Reserve, Sapphire Preferred, Ink Business cards, Freedom Unlimited, or any combination. The Sapphire Reserve and Ink Preferred carry full transfer privileges, which our process relies on.
Chase point transfers to partners are typically instant and not reversible. In the rare case of a reversal, our specialist works with you directly to resolve the situation. No payment is sent until the transfer is confirmed settled at the receiving program.
Yes. Chase's Combine Points feature lets you pool UR from multiple personal cards (and from a business card to an authorized personal account). We work with combined balances in a single transaction, which is often more efficient for both sides.
Selling UR points does not affect your Chase checking, savings, or other banking products. The Ultimate Rewards program is governed separately from Chase banking. That said, if Chase closes your UR-earning card for any reason, your other Chase products are typically unaffected.
We do have a minimum balance for Chase Ultimate Rewards, and the calculator on this page shows the current figure. Below it, the process costs more than the transaction value. We also reserve the right to decline transactions that appear to involve compromised accounts or unusual circumstances, for protection of all parties.
We pay top-tier market rates for Chase UR based on live demand from our buyer network. Submit a quote with your balance (minimum 50,000 points) and a specialist confirms your personalized payout by phone. Payment is sent via PayPal.
Most transactions complete within 1 to 2 business days. Same business day payment is common with PayPal once the transfer is verified.
Yes. Loyalty programs may have restrictions in their terms of service, but the transaction itself is legal. We handle the process professionally.
Glossary
Chase UR Terms, Defined
New to the loyalty world or just want a refresher? These are the terms that come up most often during a Chase UR transaction.
- Chase Ultimate Rewards (UR)
- Chase's flexible, transferable points currency, earned on cards like Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, and Freedom Unlimited.
- Sapphire Reserve
- Chase's premium consumer travel card. Points carry the highest portal redemption multiplier in the Chase lineup, which is why Sapphire Reserve balances tend to be the most coveted Chase UR holdings.
- Sapphire Preferred
- Chase's mid-tier consumer travel card. Points redeem through the Chase Travel portal at an elevated multiplier above the base Freedom and Ink cards.
- Pay Yourself Back
- Chase's flexible redemption feature that lets cardholders redeem points against statement purchases in select categories at elevated rates.
- Chase Travel Portal
- Chase's booking portal where Ultimate Rewards points redeem at a fixed cents-per-point rate for flights, hotels, and rental cars.
- Combine Points
- A Chase feature that lets you pool Ultimate Rewards points across multiple Chase cards (including from a business card to a personal authorized user).
- Transfer Partner
- An external loyalty program (airline or hotel) that accepts Chase UR transfers at a fixed ratio, typically 1:1.
- Sweet Spot
- A redemption that delivers exceptional per-point value, often premium cabin flights or luxury hotel stays through partner programs.
Related Programs
Also Worth Selling
If you hold any of these alongside your balance, we buy them too. Combined transactions are common and often more efficient.
iBuyPoints is an independent broker and is not affiliated with, endorsed by, or sponsored by Chase UR. Chase Ultimate Rewards and its logo are trademarks of JPMorgan Chase, used here for descriptive reference only.