Chase or Bilt Points for Hyatt: When Aeroplan Beats the 4:3 Transfer
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Chase points no longer go as far at Hyatt. Since October 1, 2026, the Chase Sapphire Preferred and Ink Business Preferred transfer to World of Hyatt at 4:3, and Bilt follows on January 1, 2027. Both still transfer to Air Canada Aeroplan at 1:1.
That gap opens a cheaper route for many Hyatt nights. Since July 2026, Aeroplan sells World of Hyatt Free Night Awards at a fixed price: 25,000 Aeroplan points for a night at any Category 1-4 hotel. On a busy Category 4 date, that costs up to 9,000 fewer Chase or Bilt points than a transfer to Hyatt.
Here is when the Aeroplan route wins, when it loses, and how to book it.
What changed for Chase and Bilt
Two of the three main ways to move points into Hyatt now lose 25% along the way:
- Chase Sapphire Preferred and Ink Business Preferred: 4:3 to Hyatt since October 1, 2026 (since June 15, 2026 for new cardholders).
- Bilt Rewards: 1:1 until December 31, 2026, then 4:3 from January 1, 2027, on every Bilt card.
- Chase Sapphire Reserve and Sapphire Reserve for Business: still 1:1.
At 4:3, every 1,000 points you transfer become 750 Hyatt points. Both programs move points in blocks of 1,000, so you also round up on each transfer. Our Chase Ultimate Rewards transfer partners guide covers the other 13 Chase partners, which all stay at 1:1.
How the Aeroplan Free Night Award works
Aeroplan and World of Hyatt launched a partnership on July 15, 2026. Part of it lets Aeroplan members trade points for Hyatt Free Night Awards at a flat price:
- Category 1-4 Free Night Award: 25,000 Aeroplan points.
- Category 1-7 Free Night Award: 75,000 Aeroplan points.
You need to link your Aeroplan and World of Hyatt accounts, which is free. You do not need Aeroplan status, a Hyatt credit card or a Canadian address. The award lands in your Hyatt account and works like the free night that comes with the World of Hyatt credit card: one night in a standard room at any hotel inside the category range, whatever the points price that night.
That last part is what makes it useful. Since May 2026, each Hyatt category has five pricing tiers. A Category 4 hotel costs anywhere from 12,000 to 25,000 points a night depending on the date. The Free Night Award covers the night whether it sits at the bottom or the top of that range.
The math: Category 4 nights
The table below compares what a standard room in a Category 4 hotel costs in Chase or Bilt points, by direct transfer at 4:3 and through Aeroplan.
| Hyatt pricing tier | Hyatt points per night | Direct transfer at 4:3 | Through Aeroplan | Cheaper route |
|---|---|---|---|---|
| Lowest | 12,000 | 16,000 | 25,000 | Direct transfer, by 9,000 points |
| Low | 15,000 | 20,000 | 25,000 | Direct transfer, by 5,000 points |
| Moderate | 20,000 | 27,000 | 25,000 | Aeroplan, by 2,000 points |
| Upper | 22,500 | 30,000 | 25,000 | Aeroplan, by 5,000 points |
| Top | 25,000 | 34,000 | 25,000 | Aeroplan, by 9,000 points |
The break-even point: 18,750 Hyatt points
The rule fits in one line. At 4:3, 25,000 Chase or Bilt points become 18,750 Hyatt points. If the night costs more than that, the Aeroplan Free Night Award is cheaper. If it costs less, transfer to Hyatt directly.
On Hyatt's current chart, that means:
- Category 4, Moderate to Top tiers (20,000 to 25,000 points): go through Aeroplan.
- Category 3, Top tier (20,000 points): go through Aeroplan, for a saving of 2,000 points.
- Category 3, Upper tier (17,500 points): transfer to Hyatt, which costs 24,000 points instead of 25,000.
- Categories 1 and 2, every tier: transfer to Hyatt. The most expensive Category 2 night costs 15,000 Hyatt points, or 20,000 Chase or Bilt points.
Skip the 75,000-point Category 1-7 award
The Category 1-7 award does not pass the same test. At 4:3, 75,000 Chase or Bilt points become 56,250 Hyatt points, and no Category 7 night costs that much. The most expensive one, at 55,000 Hyatt points, takes 74,000 points by direct transfer. On cheaper Category 5 to 7 nights, the gap in favor of the direct transfer is much wider.
Who should use the Aeroplan route
Sapphire Preferred and Ink Business Preferred cardholders. This is the main audience. Any Hyatt stay at a Category 4 hotel on a busy date costs less through Aeroplan.
Bilt members, from January 1, 2027. Until December 31, 2026, Bilt still transfers to Hyatt at 1:1, so a direct transfer is always as cheap or cheaper. After that, the same math as Chase applies.
Amex and Capital One cardholders. Membership Rewards and Capital One miles do not transfer to Hyatt at all, but both transfer to Aeroplan at 1:1. The Free Night Award gives these currencies a way into Hyatt they did not have before.
Not Sapphire Reserve cardholders. At 1:1, a direct transfer to Hyatt never costs more than 25,000 points for a Category 1-4 night, so the Aeroplan route saves nothing.
How to book a Hyatt night through Aeroplan
- Find the hotel and the date first, and check that a standard room is available on points on Hyatt's website. The Free Night Award only works where a standard room can be booked with points.
- Check the hotel's current category. A hotel that moves up to Category 5 is no longer covered.
- Link your Aeroplan and World of Hyatt accounts if you have not already.
- Transfer 25,000 points from Chase, Bilt, Amex or Capital One to Aeroplan.
- In your Aeroplan account, select the Category 1-4 Free Night Award in the Hotels section of the rewards.
- Once the award shows in your World of Hyatt account, book the night on Hyatt's website or app.
Transfers to Aeroplan are usually instant from Chase, but neither Chase nor Aeroplan lets you reverse them. Do not move points before you have found the night.
The limits to know
The award expires six months after it lands in your Hyatt account, and the stay must be completed by then, not just booked. Plan the trip before you buy it.
It covers one night. A three-night stay at a 25,000-point hotel takes three awards and 75,000 Aeroplan points, which is still 27,000 fewer Chase points than the 102,000 a direct transfer would take.
You cannot apply a Suite Upgrade Award, a Club Access Award or a Guest of Honor benefit to a stay booked with a Free Night Award. If you plan to use one of those, book with Hyatt points instead.
Finally, 25,000 Aeroplan points are also worth a lot on flights. Our guide to the best ways to use Aeroplan points shows what the same balance can book in the air. The Hyatt route makes sense when the hotel night is the trip you actually want.
Watch for Aeroplan transfer bonuses
Chase sometimes runs transfer bonuses to Aeroplan, like the 20% bonus in August 2026. During a 20% bonus, 21,000 Chase points become 25,200 Aeroplan points, enough for one Free Night Award. That brings the cost of a Category 1-4 night down to 21,000 Chase points, which beats a 4:3 transfer on any night priced above 15,750 Hyatt points.
Bottom line
If you hold the Sapphire Preferred, the Ink Business Preferred or, from 2027, any Bilt card, compare two numbers before every Hyatt booking: the night's price in Hyatt points and 18,750. Above it, send 25,000 points to Aeroplan and take the Free Night Award. Below it, transfer to Hyatt directly. Our guide on how to get the most from World of Hyatt points covers the rest of the program, and the Aeroplan Hyatt promotion running until February 2027 adds Aeroplan points to your paid stays.
To compare cards that earn Chase, Bilt, Amex or Capital One points, see our best credit cards page. To hear about the next transfer bonus or Hyatt change as soon as it lands, sign up for our newsletter.
Can I use Chase points to get a Hyatt free night through Aeroplan?
Yes. Transfer 25,000 Chase Ultimate Rewards points to Air Canada Aeroplan at 1:1, link your Aeroplan and World of Hyatt accounts, then trade the 25,000 Aeroplan points for a Category 1-4 Free Night Award. The award lands in your Hyatt account and covers one night in a standard room at any Category 1-4 hotel.
When is the Aeroplan route cheaper than a Chase or Bilt transfer to Hyatt?
When the night costs more than 18,750 Hyatt points and you transfer at 4:3. That covers the Moderate, Upper and Top tiers of Category 4 (20,000 to 25,000 points) and the Top tier of Category 3 (20,000 points). On cheaper nights, transfer to Hyatt directly.
How many points do I save with the Aeroplan route?
At 4:3, a Category 4 night costs 27,000 points at 20,000 Hyatt points, 30,000 at 22,500 and 34,000 at 25,000. Through Aeroplan, it always costs 25,000. You save 2,000, 5,000 or 9,000 points per night.
Is the 75,000-point Category 1-7 award worth it?
Not if your alternative is a 4:3 transfer to Hyatt. The most expensive Category 7 night costs 55,000 Hyatt points, or 74,000 Chase or Bilt points at 4:3. The 75,000-point award never comes out ahead.
Do I need Aeroplan status to get a Hyatt Free Night Award?
No. Any Aeroplan member who links their account to World of Hyatt can trade points for a Free Night Award. Aeroplan Elite Status is only required for the separate two-to-one conversion of Aeroplan points into Hyatt points, which costs more.
Does this work with the Chase Sapphire Reserve?
It works, but it saves nothing. The Sapphire Reserve still transfers to Hyatt at 1:1, so a Category 1-4 night never costs more than 25,000 Chase points by direct transfer.
Can Amex or Capital One points get Hyatt nights this way?
Yes. Neither transfers to World of Hyatt, but both transfer to Aeroplan at 1:1. Sending 25,000 Membership Rewards points or Capital One miles to Aeroplan gets you a Category 1-4 Free Night Award.
How long is the Hyatt Free Night Award valid?
Six months from the day it lands in your World of Hyatt account. The stay has to be completed within that window, so find the hotel and date before you move any points.
