How to Transfer Chase Points to United MileagePlus

The transfer at a glance

Chase doesn't currently charge a fee for United transfers, according to third-party transfer guides. Chase doesn't promise that: Chase's program agreement says a transfer fee may be charged, and that Chase shows any fee and its amount before you transfer (program agreement). The ratio, blocks, cards, name rule and timing come from Chase's transfer page.

How to transfer, step by step

1. Check that United has the award you want at the price you want. Don't move points on spec.
2. Log in to Chase with a card that can transfer: a Sapphire Preferred, Sapphire Reserve or Ink Business Preferred card.
3. Open Ultimate Rewards, then choose Transfer points to partners.
4. Pick United MileagePlus from the airline list.
5. Add your MileagePlus number the first time. The United account must be yours, or belong to one household member listed as an authorized user on your Chase account, and the names must match.
6. Enter the points, in blocks of 1,000, and confirm.
7. Book the award as soon as the miles show in your United account.

Is it worth moving Chase points to United?

Our values put a Chase point at 2.05 cents per point and a United mile at 1.2 cents per point. A straight transfer gives up value unless the award you book gets you more than 2.05¢ per mile.

So transfer only for a specific award that beats that, like a saver business seat or a close-in domestic flight that would be pricey in cash.

United prices awards by demand, so the same flight can cost very different miles from one day to the next. That's why you price the award first and transfer second. The booking steps for a United flight, including Aeroplan and LifeMiles, are in How to book United with miles. The Chase map, including when Aeroplan beats MileagePlus, is how to book United with Chase points.

Where United miles go furthest

United has no award chart. It prices seats by date and demand, so these are the lowest prices sources found, not prices you can count on. Check United's calendar for your dates before you move a single point.

• United Polaris business, US to Europe, saver: United's February 19, 2026 announcement says Polaris saver seats available to United cardholders and Premier members price as low as 80,000 miles before its cardholder discount, as low as 72,000 for cardholders with General status, and as low as 68,000 for cardholders with Premier status. Without a United card or Premier status you may not see those seats, so expect standard prices: most dates priced at 200,000 miles one way in NerdWallet's Washington to Paris search (Jul 29, 2026).
• Business class, US to South America, lowest found: 60,500 miles one way, or 55,000 for United cardholders, the lowest price NerdWallet (Jul 29, 2026) found across a year of dates.

Partner airlines on the same route can price differently from United's own flights, so compare both before you transfer. Prices checked October 29, 2026.

A worked example

If you hold a United card with General status, the Polaris saver seat can price as low as 72,000 miles, so you'd move 72,000 Chase points at 1:1, in blocks of 1,000. Without a United card or Premier status you may not see that seat at all, so price it on United while signed in, then transfer exactly what it shows.

When not to transfer

• You haven't found the award yet. Points sit safer in Chase, where they can still go to 14 partners.
• The award costs more than the cash fare is worth. At 1.2¢ per mile, a flight is a good deal only if its cash price is above that rate times the miles.
• A transfer bonus is coming. Check transfer bonus alerts first.
• You could book the same Star Alliance seat for fewer miles through another Chase partner, like Air Canada Aeroplan at 1:1.

Learn this properly

Lesson 11: Transfer Partners & When to Use Them explains how to pick a partner, and Lesson 13: How to Search for Award Flights shows how to find the space first.

Frequently asked questions

How long does a Chase to United transfer take?

Most arrive instantly. Chase says to allow up to 7 business days.

What is the Chase to United transfer ratio?

1:1.

Can I transfer Chase points to someone else's United account?

The United account must be yours, or belong to one household member listed as an authorized user on your Chase account, and the names must match.

Can I transfer Chase Freedom points to United?

Not on their own. Move them to a Sapphire Preferred, Sapphire Reserve or Ink Business Preferred card first, then transfer.

Does Chase charge a fee to transfer points to United?

Chase doesn't currently charge a fee for United transfers. Chase's program agreement says a transfer fee may be charged, and that Chase shows any fee and its amount before you transfer.

Can I undo a transfer to United?

No, transfers are final.