Chase Final Rewards factors are a favourite foreign money amongst TPG workers, partly as a result of you’ll be able to switch them to quite a lot of airline and lodge companions. I typically switch my factors to Southwest Fast Rewards, the place I can redeem them for award tickets to locations in North America, Central America and the Caribbean — and generally stretch my factors even additional with the precious Companion Move.
Earn 100,000 bonus Chase Final Rewards factors after spending $5,000 on purchases within the first three months after account opening with the Chase Sapphire Most well-liked® Card (see charges and costs).
Nevertheless, relying on the Chase bank card you could have, you might be higher off reserving Southwest Airways flights immediately via Chase Journey℠, as this could require fewer factors and help you earn Fast Rewards factors on the ticket.
Here is all the things you might want to learn about transferring your Chase factors to Southwest.
Associated: How TPG’s factors and miles consultants maximize Chase Final Rewards factors
switch Chase factors to Southwest
One of many nice issues about transferable factors is you can redeem them for award flights with airways you have by no means flown or accrued factors or miles with earlier than. But when that is the case, you may have to arrange a Southwest Fast Rewards account earlier than you’ll be able to switch your Chase factors to Southwest.
Head to Southwest’s website to create one at no cost. Then, go to your Chase portal and go into your Final Rewards account. Click on “Journey” on the highest toolbar, and select “Switch factors to companions.”
On the subsequent display, you may see an inventory of Chase’s journey companions, with any obtainable switch bonuses famous on the high. Scroll down, and click on on the Southwest possibility.
This may take you to a web page with some guidelines about transferring your factors to Southwest. As an example, factors transferred through the Chase portal aren’t eligible for Southwest standing. You will additionally must pay taxes and costs on Fast Rewards factors redemptions.
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After reviewing the advantageous print, click on the blue “Switch Factors” button on the backside proper.
On the next web page, you may have to enter your Southwest Fast Rewards quantity. Chase additionally permits you to switch factors to 1 approved person in your Chase account, so you can enter their Fast Rewards quantity as an alternative. When you full this step, click on “Subsequent.”
Then, enter the variety of factors you need to switch. This should be a a number of of 1,000, so you’ll have to switch a couple of extra factors than you want in your redemption.
The following web page gives you an opportunity to overview your info earlier than processing the switch. Do not forget that transfers are irreversible, so ensure you could have a redemption in thoughts and have confirmed award house availability earlier than you switch. It is also a good suggestion to double-check the spelling of your title, your Fast Rewards quantity and what number of factors you are transferring earlier than you hit “Submit.” An harmless typo may trigger you to switch hundreds of hard-earned factors once you meant to switch solely 10,000.
If you happen to’re prepared to finish the switch, click on “Submit” and wait in your factors to hit your Fast Rewards account.
In accordance with Chase’s website, “Most level transfers course of by the subsequent enterprise day, however might take as much as 7 enterprise days.” Nevertheless, TPG’s exams have proven that almost all transfers to Southwest occur immediately. Which means you can be reserving your award flight mere minutes after transferring your Chase factors.
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Chase-to-Southwest switch ratio
As with all of Chase’s present switch companions, Final Rewards factors switch to Southwest at a ratio of 1:1. Nevertheless, you could possibly get a fair higher ratio should you can reap the benefits of a switch bonus. Chase switch bonuses are sporadic, however should you discover one which aligns along with your journey plans, it can save you your self hundreds of factors.
Associated: Greatest Southwest Airways bank cards
Ought to I switch Chase factors to Southwest?
In accordance with TPG’s April 2025 valuations, Chase factors are price 2.05 cents every, whereas Fast Rewards factors are solely price 1.4 cents every. That is as a result of transferable factors’ flexibility makes them inherently extra helpful.
Southwest traditionally priced award flights based mostly on money charges, so that you’d sometimes get a worth proper round 1.4 cents per level when redeeming Fast Rewards factors for flights. Nevertheless, the airline just lately switched to variable redemption charges, that means you will get far kind of worth out of your factors. This may increasingly result in extra candy spots within the Fast Rewards program, just like different Chase switch companions like United Airways, Air France and Hyatt.
Earlier than transferring your factors to Southwest, make sure that this airline makes probably the most sense. Check out Chase’s different airline companions first and examine award charges and flight particulars, in addition to add-ons you might have to buy, like checked baggage and seat choice charges. If Southwest is operating a sale in your desired route or is providing flights at a greater time for you than different airways, it could be the most suitable choice. The identical goes if you have already got a stash of Fast Rewards factors or a Companion Move in your account.
As an example, a few years in the past, I transferred Chase Final Rewards factors to my Fast Rewards account to buy a round-trip ticket to Turks and Caicos. My ticket value 46,000 factors, however because of the Companion Move I had on the time, I received my associate’s ticket for simply the price of taxes and costs. Because of this, I spent 46,000 Chase factors on two seats that might have value practically $1,400 complete, giving me a worth of round 3 cents per level. I could not have gotten that sort of cope with some other airline.
However most significantly, make sure that it isn’t a greater deal to easily guide your Southwest flights immediately via Chase Journey. Relying on the Chase card you could have, you may get a worth of 1.25 cents per level or 1.5 cents per level. Plus, flights booked this fashion will earn Fast Rewards factors like a standard income ticket. This might make it a greater possibility, relying on the flight you are taking.
For instance, this one-way flight from Orlando Worldwide Airport (MCO) to Louis Armstrong New Orleans Worldwide Airport (MSY) in February would value 16,000 factors plus $5.60 in taxes and costs when booked via Southwest.
Nevertheless, since my Chase Sapphire Most well-liked offers me 1.25 cents per level via Chase Journey, I can guide the identical flight for 14,919 factors — and earn Fast Rewards factors within the course of. If you happen to maintain the Chase Sapphire Reserve® (see charges and costs), which gives 1.5 cents in worth per level via Chase Journey, you can guide the identical flight for simply 12,467 factors.
In truth, you are higher off reserving all of Southwest’s fare lessons immediately via Chase Journey on this flight. In every case, you may redeem fewer Chase factors than should you transferred them to your Fast Rewards account.
Nevertheless, if you have already got a good steadiness of Fast Rewards factors and simply have to high off your account to have sufficient for the award ticket, transferring from Chase to Southwest may make extra sense.
As such, it is essential to at all times examine costs with Chase Journey and Southwest to ensure you’re not utilizing extra factors than you might want to.
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earn Chase factors
The extra Final Rewards factors you accrue, the earlier you’ll be able to redeem your subsequent free journey with Southwest or any of Chase’s different companions. Listed below are a few of TPG’s favourite playing cards that can enable you to earn Final Rewards factors via welcome bonuses and on a regular basis spending:
Nevertheless, you are not restricted to only these Chase playing cards. I personally love the Chase Freedom Flex® (see charges and costs) and the Chase Freedom Limitless® (see charges and costs). They do not earn Final Rewards factors by themselves, however should you additionally maintain one of many playing cards listed above, you’ll be able to flip these cash-back factors into full-fledged Final Rewards factors and switch them to any of Chase’s companions.
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Backside line
If you happen to’ve by no means transferred factors from Chase, it may be a little bit nerve-wracking to look at the factors vanish out of your account and anticipate them to look in an airline or lodge associate account. Fortunately, the method is often easy and nearly instantaneous. Simply remember to verify the variety of factors you want, and ensure you cannot get a greater deal by utilizing your factors immediately via Chase Journey. Then, observe the steps above to switch your factors.
