The Ultimate Rewards program offered by Chase is a valuable asset for cardholders, providing the flexibility to earn and redeem points across various cards. One of the program's most appealing features is the ability to transfer points between accounts, making it easier to maximize the value of every redemption.
Chase allows cardholders to combine points from different Ultimate Rewards cards into a single account, regardless of who the primary cardholder is. This means that points from multiple cards can be pooled together to unlock more rewarding redemptions. Even better, this functionality can be used with a household member, effectively putting dream trips within reach.
The following Chase cards allow cardholders to combine points: Chase Sapphire Reserve, Chase Sapphire Preferred Card, Chase Freedom (no longer available to new applicants), Chase Freedom Flex, Chase Freedom Unlimited, Ink Business Preferred Credit Card, Ink Business Cash Credit Card, Ink Business Unlimited Credit Card, and Chase Sapphire Reserve for Business. However, the Ink Business Premier Credit Card is not eligible for this feature.
There are two types of transfers that can be made: transfers between primary cardholder accounts and transfers between primary cardholder and household member accounts. When transferring points to another individual's account, the recipient must be a member of the household or the owner of the business for Chase Ink cards.
To combine points, cardholders must log in to the account from which they want to transfer points, click on an Ultimate Rewards card, and then select the "Rewards details" option. From there, they can choose the number of points to transfer and the account where they want to move their rewards.
One of the primary reasons to combine Ultimate Rewards points is to convert cash-back rewards into more valuable points. Cards like the Chase Freedom Unlimited offer lucrative cash-back rewards, but these can be converted into Ultimate Rewards points by holding a premium card like the Chase Sapphire Reserve or Chase Sapphire Preferred. This allows cardholders to redeem their points for higher-value travel redemptions.
An additional reason to combine points is to boost accounts for specific redemptions. If a cardholder has a specific award in mind but lacks enough points in their account, they can transfer points from a household member to book the redemption they want.
Finally, combining points can help cardholders avoid losing rewards if they want to cancel a card. By transferring points to another account or to a household member, cardholders can ensure that their rewards are preserved.
The Ultimate Rewards program offers a wealth of value, and combining points across accounts is a key aspect of unlocking that value. By understanding how to transfer and combine points, cardholders can make the most of their rewards and achieve their travel goals.
