Chase is offering a 50% bonus when you transfer Ultimate Rewards points to Marriott Bonvoy through February 28, 2026. Sounds incredible, right? Let’s break down when it’s actually worth it.
The Math
Normally, Chase points transfer to Marriott at a 1:1 ratio. With this bonus:
- 10,000 Chase UR → 15,000 Marriott points
But here’s the thing — Marriott points are worth significantly less than Chase points.
Baseline Values
| Currency | Average Value |
|---|---|
| Chase UR (portal) | 1.25¢ |
| Chase UR (transfer) | 1.5-2.0¢ |
| Marriott Bonvoy | 0.7-0.9¢ |
Even with a 50% bonus, you’re getting:
- 15,000 Marriott × 0.8¢ = $120 value
- vs 10,000 Chase × 1.5¢ = $150 value
When It DOES Make Sense
1. You Need Points for a Specific Redemption
If you’re 20,000 Marriott points short of a dream redemption and don’t want to wait, the bonus softens the blow.
2. Category 1-4 Properties
Lower-tier Marriott hotels can deliver 1¢+ per point value, making the math work better.
3. 5th Night Free on Award Stays
Book 5 nights, pay for 4. This effectively gives you 25% more value from your points.
Example: 200,000 points for 5 nights at a property normally $500/night = $2,500 value = 1.25¢ per point. Now the bonus math works.
The Bottom Line
For most people, keep your Chase points as Chase points. Transfer to airline partners like Hyatt (1:1, excellent value) or United/Southwest for flights.
Only pull the trigger on this Marriott bonus if you have a specific, high-value redemption lined up.
What do you think? Worth it for your situation? Drop a comment below.
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