To transfer Chase Ultimate Rewards points to airline and hotel partners at a 1:1 ratio, you must hold at least one of Chase’s "premium" credit cards. The eligible consumer cards are the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. For business owners, the Ink Business Preferred® Credit Card is the primary vehicle for transfers. While "cash back" cards like the Chase Freedom Flex®, Chase Freedom Unlimited®, or Ink Business Cash® earn Ultimate Rewards points, they cannot transfer to miles on their own. However, if you have both a "premium" card and a "cash back" card, you can move points from the no-fee card to the premium card and then transfer them to partners like United MileagePlus, Southwest Rapid Rewards, or British Airways Executive Club. This "trifecta" strategy is a cornerstone of travel hacking in 2026, as it allows users to maximize earnings on everyday spend while retaining the ability to book high-value international business class flights via transfer partners.