Tomorrow night the clock runs out on one of the biggest transfer bonuses of the year: Chase's 70% bonus on transfers from Ultimate Rewards to Marriott Bonvoy ends at 11:59 p.m. ET on Thursday, October 15. Until then, every 1,000 Ultimate Rewards points you move becomes 1,700 Marriott Bonvoy points instead of the usual 1,000.

On paper, a 70% bonus sounds like free money. In practice, this is still one of the most lopsided trades in the points world — because you are moving one of the most flexible currencies in the game into one of the least valuable. If you have a Marriott award booking you are short on points for, tonight and tomorrow are your window. If you do not, this bonus is not a reason to move a single point.

Exact offer and eligibility

• The bonus: 70% extra Marriott Bonvoy points on transfers from Chase Ultimate Rewards. Effective ratio: 1,000 Ultimate Rewards points = 1,700 Bonvoy points.
• The deadline: transfers must be initiated by 11:59 p.m. ET on October 15, 2026.
• Standard terms: the normal ratio is 1:1; transfers go in increments of 1,000 points.
• Bonus posting lag: the base points transfer quickly, but Marriott awards the 70% bonus separately — it can take up to 7 days to appear in your Bonvoy account.
• One-way and irreversible: transfers cannot be cancelled or refunded once submitted.
• Account matching: the name on your Chase account must match the name on your Marriott Bonvoy account exactly, or the transfer will not process.
• Eligibility: you need a Chase card with full transfer ability — Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred. Freedom and Ink Cash balances can be combined into one of those cards first.
• Small silver lining: a transfer counts as qualifying activity, resetting the 24-month clock on Marriott points expiration.
• No limit: transfers are unlimited — but that is a warning, not a perk.

The math: a 70% bonus on a 32% haircut

Here is the trade in plain numbers. Ultimate Rewards points are worth roughly 1.5 cents each when redeemed sensibly — through airline partners or the Chase travel portal. So 1,000 Ultimate Rewards points are worth about $15. Marriott Bonvoy points are worth roughly 0.6 cents each, which makes the 1,700 points you get worth about $10.20.

In other words: even with a 70% bonus, you are voluntarily trading $15 of flexible travel currency for about $10 of hotel-only currency. That is a loss of nearly a third of the value before you ever book a room. The bonus does not make this a good deal in the abstract — it only softens the blow for people who were going to spend these points at Marriott anyway.

Where it can genuinely work: topping off a confirmed award booking you are short on points for, and five-night award stays, where Marriott's Stay for 5, Pay for 4 benefit means the fifth night is free. A 50,000-point-per-night room costs 200,000 points for five nights instead of 250,000 — which needs about 118,000 Ultimate Rewards points at the bonus ratio. And never transfer more than the stay requires: orphan Bonvoy points are hard to spend at anything close to face value.

The bonus lag is the other trap. The extra 700 points per thousand can take up to seven days to post. If your award stay is bookable and you are short, transfer now and wait — but confirm the award space is really there before you move anything, because once the points land in Marriott, they are not coming back.

Who benefits—and who should skip it

Move points if: you have a specific Marriott award booking in the next few days and the math beats the cash rate — especially a five-night stay using the free fifth night, where the savings can run into thousands of dollars against the real room price.

Skip it if: you are transferring "because 70%," with no redemption in mind. Speculative transfers into a 0.6-cent currency are how points portfolios go to die. Also skip if you mainly redeem Ultimate Rewards through the travel portal or to airline partners — every one of those options beats this transfer on value.

Also worth knowing: a second bonus expires tonight. Amex's 30% transfer bonus to Hilton Honors (1,000 points = 2,600) ends at the end of today, October 14. Same verdict: top-off only, never speculative.

Awardtrail analysis

The verdict is narrow but clear. This bonus is a lifeline for a confirmed booking and a trap for everyone else. If you are using it: transfer exactly what the stay needs and not one thousand more, do it well before the 11:59 p.m. ET Thursday deadline (do not leave it to the last hour), and make peace with the up-to-seven-day wait for the bonus points to land.

What to watch out for: name mismatches between your Chase and Marriott accounts will block the transfer; the bonus lag means do not transfer points for a booking you need tonight; and once transferred, the points are Marriott's, permanently. If the cash rate for your hotel is reasonable, price that first — a paid stay often beats a discounted transfer on straight value.

Primary source: Marriott Bonvoy: How to transfer Chase Ultimate Rewards points

Verified: October 14, 2026