{"id":247830,"date":"2026-06-22T19:00:11","date_gmt":"2026-06-22T19:00:11","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/06\/22\/how-chases-43-hyatt-ratio-affects-sapphire-preferred-the-points-guy\/"},"modified":"2026-06-22T19:00:11","modified_gmt":"2026-06-22T19:00:11","slug":"how-chases-43-hyatt-ratio-affects-sapphire-preferred-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/06\/22\/how-chases-43-hyatt-ratio-affects-sapphire-preferred-the-points-guy\/","title":{"rendered":"How Chase\u2019s 4:3 Hyatt ratio affects Sapphire Preferred – The Points Guy"},"content":{"rendered":"


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One of the best ways to redeem Ultimate Rewards points<\/a><\/span> is via high-value Chase transfer partners<\/a><\/span>. But Chase recently announced it was reducing the Chase-to-Hyatt transfer ratio<\/a><\/span> for select cardholders. Unfortunately, the Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a><\/span>) is among the affected cards.<\/p>\n

As a Sapphire Preferred Card holder, I’m bummed about the reduced Hyatt transfer ratio and wanted to quantify the impact of this change.<\/p>\n

Here’s what you should know about the reduced transfer ratio and how it will affect the amount you need to spend on your card to earn the same Hyatt stays.<\/p>\n

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Chase Sapphire Preferred Card<\/a><\/span>: For a limited time, earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<\/strong><\/p>\n

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New Chase-to-Hyatt transfer ratio<\/h2>\n

If you applied for the Chase Sapphire Preferred Card<\/a><\/span> on or after June 15, you’ll already have the reduced 4:3 transfer rate if you transfer Chase points to Hyatt<\/a><\/span>.<\/p>\n

But if you applied before June 15, you’ll continue to get a 1:1 transfer rate until Oct. 1, when your Chase-to-Hyatt transfer ratio will also drop to 4:3.<\/p>\n

Why this matters for Sapphire Preferred Card holders<\/h2>\n

A reduced transfer ratio between Chase Ultimate Rewards<\/a><\/span> and World of Hyatt<\/a><\/span> makes Hyatt awards more expensive for Sapphire Preferred Card<\/a><\/span> holders.<\/p>\n

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<\/div>
Hyatt House Johannesburg Sandton in South Africa. KATIE GENTER\/THE POINTS GUY<\/figcaption><\/figure>\n

For example, whereas at a 1:1 transfer ratio you’d only need to transfer 30,000 Chase points to book a 30,000-point Hyatt award, at a 4:3 transfer ratio you’d need to transfer 40,000 Chase points to book the same award.<\/p>\n

Based on TPG’s June 2026 valuations<\/a><\/span>, these additional 10,000 Chase points you’d need to transfer are worth $205.<\/p>\n

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Related: How many Hyatt points do you need to transfer before the Sapphire Reserve beats the Sapphire Preferred?<\/a><\/span><\/strong><\/p>\n

Examples of how many more Chase points you’ll need<\/h2>\n

To illustrate the impact of the reduced 4:3 transfer ratio for Chase-to-Hyatt transfers, let’s consider three stays.<\/p>\n

Firstly, let’s consider a long-weekend stay at the Andaz Savannah that costs 20,000 points per night. With a 1:1 transfer ratio, you’d only need to transfer 60,000 Chase points. But under a 4:3 transfer ratio, you’d need to transfer 80,000 Chase points. The extra 20,000 points you’d need to transfer are worth $410 based on our valuations.<\/p>\n

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\"Hyatt<\/div>
HYATT<\/figcaption><\/figure>\n

Now, let’s consider a redemption I book several times each year: a one-night stay at a Hyatt Place in Atlanta (with complimentary airport shuttle service).<\/p>\n

If this hotel costs 4,500 Hyatt points on the night I need to stay, I’d need to transfer 5,000 Chase points at a 1:1 ratio or 6,000 Chase points at a 4:3 ratio (since you must transfer in increments of 1,000 points). So, even for a one-night stay at a Category 1 Hyatt hotel<\/a><\/span>, this decreased transfer ratio makes a difference.<\/p>\n

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\"Hyatt<\/div>
HYATT<\/figcaption><\/figure>\n

Finally, let’s consider a five-night stay at an aspirational Category 7 Hyatt that costs 30,000 points per night. With a 1:1 transfer ratio, you’d need to transfer 150,000 Chase points to Hyatt to book this stay.<\/p>\n

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\"Hyatt<\/div>
HYATT<\/figcaption><\/figure>\n

But, with a 4:3 transfer ratio, you’d need to transfer 200,000 Chase points. The extra 50,000 Chase points you’d need to transfer under a 4:3 transfer ratio instead of a 1:1 transfer ratio are worth $1,025 based on our valuations.<\/p>\n

What does that mean in everyday spending?<\/h2>\n

Another way to think about the change is how much more you’ll need to spend to earn the same Hyatt vacation.<\/p>\n

As a reminder, purchases with the Chase Sapphire Preferred<\/a><\/span> earn as follows:<\/p>\n