# Bilt vs. Chase transfers: partners, minimums and booking differences By AwardTool | Updated 2026-10-19 Canonical URL: https://www.awardtool.com/learn/bilt-vs-chase-transfer-partners Bilt and Chase both list United, Aeroplan and Hyatt, while Bilt also lists Atmos Rewards and JAL. Their transfer requirements differ. This comparison combines Bilt's September 2026 directory, its transfer terms, and Chase's current guidance rather than assuming the two currencies are interchangeable. Best for: U.S. travelers deciding how existing Bilt Points and Ultimate Rewards can fund a trip. ## At a glance - Bilt's September directory includes Atmos and JAL in addition to several destinations shared with Chase. - Bilt's minimum transfer depends on membership tier and partner conditions. - Hyatt appears in both programs; verify the current rate for the specific Chase card. - Bilt Rewards and Wells Fargo Rewards are separate rewards balances. [Compare transfer partners](https://www.awardtool.com/transfer-partners) ## Which transfer destinations overlap? Section URL: https://www.awardtool.com/learn/bilt-vs-chase-transfer-partners#partner-overlap The following selections come from the current issuer directories. The complete lists are linked below. A destination being listed confirms a transfer relationship, not the availability of a particular award. | Selected destination | Bilt | Chase | | --- | --- | --- | | United / Aeroplan / Flying Blue / British Airways | Listed | Listed | | Hyatt / Marriott / IHG | Listed | Listed | | Atmos / JAL / LifeMiles / Turkish | Listed | Not listed in Chase directory reviewed | | KrisFlyer | Not listed in Bilt directory reviewed | Listed | [Bilt: transfer partner directory (September 23, 2026)](https://support.biltrewards.com/hc/en-us/articles/19086448638989-Bilt-s-Transfer-Partners) [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) ## Membership tier, increments and partner conditions Section URL: https://www.awardtool.com/learn/bilt-vs-chase-transfer-partners#minimums Bilt's transfer terms distinguish the minimum for Blue members from the minimum for Silver, Gold and Platinum members, and retain partner-specific conditions. Check the selected transfer's current terms rather than treating a general minimum as the complete rule for every destination. Chase usually requires transfers in 1,000-point increments and an eligible card. If your loyalty balance has a small shortfall, minimums and increments affect the bank points that must leave the account. The displayed transfer amount is therefore part of the comparison, alongside the ratio. [Bilt: transfer partner terms](https://www.biltrewards.com/terms/transfer-partners) [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) ## Hyatt and Atmos explain two important differences Section URL: https://www.awardtool.com/learn/bilt-vs-chase-transfer-partners#hyatt-and-atmos Bilt's September directory lists both World of Hyatt and Atmos Rewards. Chase lists Hyatt, but its current Hyatt conversion can depend on the card. The existence of a shared hotel partner does not establish equal transfer costs for every account. Atmos gives Bilt a direct funding destination absent from the Chase directory reviewed. That does not mean every oneworld seat is available through Atmos, or that Chase-funded partner awards are impossible. The receiving loyalty program's search and rules determine which itinerary can actually be booked. [Bilt: transfer partner directory (September 23, 2026)](https://support.biltrewards.com/hc/en-us/articles/19086448638989-Bilt-s-Transfer-Partners) [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) [The Points Guy: Chase transfer times and Hyatt rates (July 13, 2026)](https://thepointsguy.com/loyalty-programs/ultimate-rewards-transfer-times/) ## Keep Bilt membership, card issuer and travel booking separate Section URL: https://www.awardtool.com/learn/bilt-vs-chase-transfer-partners#separate-balances Bilt Points are managed through the Bilt rewards experience. The Wells Fargo Autograph rewards program is a separate currency with its own transfer feature. A bank's connection to a card does not make its rewards balance exchangeable with another loyalty membership. For both Bilt and Chase, first confirm the intended award in the loyalty program, then check the account-linking conditions and transfer terms. Bilt recommends confirming flight or hotel availability and considering a hold where the partner offers one. A hold is partner-specific and should not be assumed from the act of transferring. Frequent Miler's recent coverage explains why programs accepting multiple currencies provide more than one funding route. It does not establish that a particular bonus, processing time or award is guaranteed. This guide consequently preserves source dates and uses official transfer terms for the underlying requirements. [Bilt: transfer partner directory (September 23, 2026)](https://support.biltrewards.com/hc/en-us/articles/19086448638989-Bilt-s-Transfer-Partners) [Bilt: transfer partner terms](https://www.biltrewards.com/terms/transfer-partners) [Wells Fargo: Autograph points-transfer feature and terms](https://creditcards.wellsfargo.com/autograph-visa-credit-card/) [Frequent Miler: programs accepting multiple transferable currencies (September 9, 2026)](https://frequentmiler.com/the-most-promiscuous-airline-programs/) ## Common questions ### Can Bilt transfer directly to Atmos Rewards? Atmos Rewards is listed in Bilt's September 23, 2026 directory. Confirm the current partner terms and award availability in your account before transferring. ### Are Bilt and Chase Hyatt transfers identical? Both list Hyatt, but the conversion applicable to Chase can depend on the card. Confirm each account's current rate and transfer conditions. ### Does a Bilt transfer guarantee the award remains available? No. Bilt recommends confirming availability and considering a partner hold when available. Transferring points funds an account; it does not issue a ticket or reserve a room. ## Sources and further reading Sources reviewed 2026-10-19. Publisher dates are shown where available. - [Frequent Miler: programs accepting multiple transferable currencies (September 9, 2026)](https://frequentmiler.com/the-most-promiscuous-airline-programs/) - [Bilt: transfer partner directory (September 23, 2026)](https://support.biltrewards.com/hc/en-us/articles/19086448638989-Bilt-s-Transfer-Partners) - [Bilt: transfer partner terms](https://www.biltrewards.com/terms/transfer-partners) - [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) - [The Points Guy: Chase transfer times and Hyatt rates (July 13, 2026)](https://thepointsguy.com/loyalty-programs/ultimate-rewards-transfer-times/) - [Wells Fargo: Autograph points-transfer feature and terms](https://creditcards.wellsfargo.com/autograph-visa-credit-card/) ## Before you book Award availability and prices can change. Confirm the exact itinerary, cabin, traveler count, points, and cash total with the loyalty program before transferring points or booking. Search access and limits depend on your plan. [See current plans](https://www.awardtool.com/pro) ## Related guides - [Compare Amex, Chase, Citi, Capital One, Bilt and Wells Fargo transfers](https://www.awardtool.com/learn/compare-bank-transfer-programs) - [Chase vs. Amex transfer partners: airlines, hotels and booking rules](https://www.awardtool.com/learn/chase-vs-amex-transfer-partners) - [How to use transfer partners, points tools, and Live Seat Map](https://www.awardtool.com/learn/points-and-travel-tools)