There is no official Chase to Hilton transfer ratio, because Hilton Honors is not a Chase Ultimate Rewards transfer partner. You can’t log in to Chase and move points straight into a Hilton account. You can still turn Chase points into Hilton stays through a few indirect routes, and each one gives a different effective ratio. Some routes are decent, some lose value, and one depends on timing. Here is how each option works and how to tell whether it’s worth it for your booking.

Why You Can’t Transfer Chase Points Directly to Hilton

Chase Ultimate Rewards points can be transferred to a list of airline and hotel programs, called transfer partners. As of late 2026, Chase has four hotel partners: World of Hyatt, Marriott Bonvoy, IHG One Rewards, and Wyndham Rewards. Hilton isn’t one of them.

Hilton’s main banking partner is American Express. Amex issues the Hilton co-branded credit cards, and Amex Membership Rewards points transfer to Hilton Honors at a 1:2 ratio. That relationship is a big part of why Chase doesn’t offer Hilton as a partner.

Keep in mind that Hilton points and Chase points aren’t worth the same. Hilton prices its award nights in large numbers of points, so each Hilton point is worth much less than a Chase point. A 1:2 or 1:1.5 ratio sounds generous, but it often just reflects that difference in value rather than a bonus.

To transfer Chase points to any partner, you need a card that allows transfers, such as the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred. Points from no-annual-fee cards, such as the Chase Freedom Unlimited, can be combined into one of these cards first.

Method 1: Transfer Through Virgin Atlantic Flying Club

This is the closest thing to a direct Chase to Hilton transfer. Chase points move to Virgin Atlantic Flying Club at a 1:1 ratio. Virgin Atlantic then lets members convert their points into Hilton Honors points at a ratio of 2 Virgin points to 3 Hilton points. Put together, 1 Chase point becomes 1.5 Hilton points.

The process takes a few steps. First, open a Virgin Atlantic Flying Club account if you don’t already have one, and make sure the name on it matches your Hilton Honors account exactly. Next, log in to Chase Ultimate Rewards, choose the option to transfer points to partners, select Virgin Atlantic, and move your points in 1,000-point increments. Chase transfers to Virgin are usually fast. Finally, contact Virgin Atlantic Flying Club to convert your points into Hilton Honors points. This conversion works in blocks of 10,000 Virgin points, which become 15,000 Hilton points.

Processing times for the Virgin to Hilton step can vary, so don’t use this route if you need to book a Hilton stay today. Both transfers are permanent. Once your points leave Chase, they can’t go back, and the same is true when they leave Virgin Atlantic.

Because of the 10,000-point blocks, plan your amounts carefully. If you need 45,000 Hilton points, you will have to convert 30,000 Virgin points, so you would transfer 30,000 Chase points.

Method 2: Redeem Chase Points for Cash and Buy Hilton Points

This route uses money as a middle step. Chase points can be redeemed for cash back at 1 cent each, so 10,000 points become $100. You then use that money to buy Hilton Honors points directly from Hilton.

Normally, buying points isn’t a good deal. Hilton regularly runs promotions with large bonuses on purchased points, though, sometimes as high as 100%. During one of those sales, this method can work out to roughly 2 Hilton points for every Chase point you cash out, which beats the Virgin Atlantic route.

There are trade-offs. You need cash available to buy the points before your Chase redemption covers it, Hilton sets limits on how many points you can buy each year, and the best bonuses only appear at certain times. If you’re not in a hurry and a strong sale is running, this can be the most efficient way to fund a Hilton stay with Chase points.

Method 3: Book Hilton Hotels Through Chase Travel

Chase Travel, the bank’s booking site, includes Hilton hotels. You can pay for a room with your points instead of transferring anything. How much each point is worth depends on your card and any current Chase promotions.

The downside is that these are third-party bookings. Hilton usually doesn’t award Hilton Honors points for stays booked this way, and your Hilton elite benefits, such as room upgrades or free breakfast, may not apply. For a short stay where you don’t care about earning Hilton points, this can still be the simplest option because there’s no transfer and no waiting.

How to Check If a Transfer Is Worth It

Before you move any points, do a quick calculation. Find the cash price of the room and the number of Hilton points it costs. Divide the cash price by the points to get the value of each Hilton point.

For example, if a hotel night costs $300 or 60,000 Hilton points, each Hilton point is worth half a cent ($300 ÷ 60,000 = $0.005). Through Virgin Atlantic, one Chase point becomes 1.5 Hilton points, so each Chase point would be worth 0.75 cents on this booking. That’s less than the 1 cent you would get by simply redeeming your Chase points for cash. In that case, paying cash for the room and keeping your points, or cashing them out, would be the smarter move.

Now take a different hotel that costs $500 or 50,000 Hilton points. Each Hilton point is worth 1 cent, so each Chase point transferred through Virgin Atlantic would be worth 1.5 cents. That’s a better result than cash.

Points experts often value Chase Ultimate Rewards points at well above 1 cent when they’re transferred to strong partners. In September 2026, The Points Guy valued them at about 2 cents each. That’s a useful benchmark: if a Hilton redemption gives you much less than that, you may get more from one of Chase’s own partners.

Better Hotel Options for Chase Points

If you’re flexible about which hotel brand you stay with, Chase’s direct hotel partners are usually a better use of your points.

World of Hyatt has long been considered the strongest hotel partner for Chase points because its award prices are relatively low for the quality of its hotels. Note that the ratio now depends on your card. Since October 1, 2026, Sapphire Preferred and Ink Business Preferred cardholders transfer to Hyatt at 4:3, so 1,000 Chase points become 750 Hyatt points. Sapphire Reserve cardholders still transfer at 1:1.

Marriott Bonvoy, IHG One Rewards, and Wyndham Rewards also accept transfers at 1:1 and can work well in cities where Hyatt has few hotels.

Here is a simple way to choose your route:

• Use the Virgin Atlantic route when you specifically need Hilton points and the booking gives you more than 1 cent per Chase point.
• Use the cash-and-buy route when Hilton is running a large bonus sale and you can wait.
• Book through Chase Travel for a quick stay when earning Hilton points doesn’t matter.
• Consider Hyatt, Marriott, IHG, or Wyndham if a comparable hotel from those brands is available.

If Hilton is your favorite hotel brand and you stay often, the most efficient long-term setup is earning Hilton points directly with a Hilton co-branded card or transferring American Express Membership Rewards points at 1:2. For people who already hold Chase points, the Virgin Atlantic route remains the closest thing to a Chase to Hilton transfer, with an effective ratio of 1:1.5. Run the cents-per-point math on each booking before you transfer, since the right answer depends on the specific hotel and date.