How To Combine and Transfer Chase Points Between Accounts

Chase Ultimate Rewards points are among the most valuable and flexible travel rewards currencies available. One of their key features is the ability to combine points between different Chase cards and even share them with household members. Understanding how to transfer and combine these points effectively can significantly increase their value and help you reach your travel goals faster.

Before we dive into the specifics of how to combine Chase points, it’s important to understand that there are two distinct types of point transfers:

• Moving points between your own Chase credit cards
• Transferring points to another household member’s Chase account

Transfer and Combine Chase Ultimate Rewards Points Between Accounts

The ability to combine Chase Ultimate Rewards points between accounts is one of the program’s most valuable features. Whether you’re looking to maximize your redemption value or pool points with family members or between cards, knowing how to transfer points between Chase cards can significantly enhance your rewards potential.

From moving points between your own cards to sharing with household members, understanding these transfer capabilities helps you get the most value from your rewards.

Unlock the Power of Point Transfers and Combinations

Understanding how your points’ value changes between cards is key to maximizing their worth:

• With no-annual-fee cards like the Chase Freedom Flex℠ or Chase Freedom Unlimited®, points are worth 1 cent each.
• With the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card, points become worth 1.25 cents each through the Chase rewards travel portal, and you can transfer at a 1:1 rate to Chase’s airline and hotel partners.
• With the Chase Sapphire Reserve®, points reach their maximum value of 1.5 cents each through the portal and can be transferred at a 1:1 ratio.

Here’s what this means in real numbers: Let’s say you have 100,000 points on your Freedom Unlimited card. If redeemed directly, they’re worth $1,000. Transfer those same points to a Sapphire Preferred Card, and they become worth $1,250. Move them to a Sapphire Reserve, and their value increases to $1,500—a 50% increase in value just by combining points strategically.

Share the Wealth Between Family Members

The process of transferring Chase points to another person is straightforward but has specific requirements. Chase allows you to transfer Ultimate Rewards points to eligible household members, which can be particularly valuable for families looking to maximize rewards while minimizing annual fees.

For example, your household may choose to have just one premium card (like the Chase Sapphire Preferred Card, Chase Sapphire Reserve or Ink Business Preferred Credit Card) to save on annual fees. Other family members may hold cards like the Freedom Flex or Freedom Unlimited and transfer their points to the household member with the premium card. This strategy maintains access to enhanced redemption rates and transfer partners while reducing the household’s total annual fees.

Here are the requirements for transferring points between household members:

• Both individuals must share the same physical address.
• Each person must have their own eligible Chase Ultimate Rewards credit card.
• A one-time phone call to Chase is required to link accounts.
• Once linked, transfers can be done online anytime.

To link accounts with a household member:

• Call the number on your Chase credit card.
• Request to link Ultimate Rewards accounts with your household member.
• Provide their card number and verify information.
• Wait for confirmation before attempting online transfers.

Alternative: Adding Authorized Users

While household member transfers require sharing an address, there’s another way to share points: adding authorized users to your account. This comes with different considerations:

• Chase Sapphire Preferred® Card: Free to add authorized users
• Chase Sapphire Reserve®: $75 per authorized user annually

Authorized users can transfer points directly to their own airline and hotel loyalty accounts, regardless of address.

Timing Is Everything

Knowing when to transfer points can be just as important as knowing how. Here are optimal times to consider combining points:

• Before making a large redemption that requires more points than you have in one account
• When planning to close a credit card but you want to preserve the points
• After earning a signup bonus on a non-premium card that you want to transfer to a premium card
• When consolidating business and personal points for a specific redemption
• Before booking travel to ensure you’re getting the best possible redemption rate
• Before booking travel with another person instead of booking multiple reservations

Chase Credit Cards That Allow Point Transfers and Combinations

Different Chase cards offer varying levels of transfer capabilities:

Premium Cards With Full Transfer Benefits

• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®
• Ink Business Preferred® Credit Card

These cards allow transfers to Chase travel partners and offer better redemption rates (1.25–1.5 cents per point) through the Chase portal.

How To Combine Chase Ultimate Rewards

Once accounts are linked, here’s how to transfer points online:

1. Log into Ultimate Rewards at chase.com.
2. Look for your points balance in the top right corner.
3. Select “Combine Points” from the dropdown menu.
4. Choose the source card (where points are coming from).
5. Select the destination card (where points are going).
6. Enter the transfer amount.
7. Review and confirm the transfer.

Step-By-Step Guide: Combine Your Chase Points With Ease

Best Practices for Maximizing Chase Ultimate Rewards Points

To get the most value from your Ultimate Rewards points:

• Always check redemption rates across all your cards.
• Consider the best ways to redeem Chase points before transferring.
• Keep track of household member accounts and transfer capabilities.
• Maintain at least one premium card in the household.
• Review transfer partner options before making portal bookings.
• Confirm availability directly with a partner before transferring your rewards.
• Plan large transfers in advance of redemptions.

Unlock Unparalleled Flexibility and Value With Chase Ultimate Rewards

The ability to combine Chase Ultimate Rewards points provides exceptional flexibility in how you use your rewards. Whether you’re moving points between your own cards or sharing with household members, understanding these transfer capabilities helps you maximize the value of every point you earn.

Remember that transfers are immediate and irreversible, so always double-check your transfer details before confirming. With strategic use of these transfer capabilities, you can unlock remarkable value from your Chase Ultimate Rewards points and achieve your travel goals faster.