AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
Offers for the Chase Freedom Flex℠ are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
If you have multiple Chase credit cards that earn Ultimate Rewards, it is important to combine the points earned on each card. This allows you to maximize the value received from all of your rewards. The reason you want to combine your points is that the value of an individual point and its redemption options are limited by the credit card with which it is associated.
So, how do you combine your rewards? And which Chase card should you combine your rewards onto? Read on for our advice.
Page Contents
How Much Are Chase Ultimate Rewards Worth?
Simply put, Chase Ultimate Rewards are really valuable. Based on recent AwardWallet user redemptions, Chase Ultimate Rewards points are worth 1.95¢ apiece when redeemed through Chase's transfer partners.
If you use your points to book through the Chase Travel portal, the value of your points will vary depending on the card you redeem your rewards from. Here's a by-card breakdown of what your points are worth when you book through Chase Travel:
| Card | Point Value when Booking Travel Through Chase Travel | Points Transferrable to Travel Partners |
|---|---|---|
| Sapphire Reserve for Business℠ (Rates & Fees) | Up to 2¢ (depending on the specific redemption) | Yes |
| Chase Sapphire Reserve® (Rates & Fees) | Up to 2¢ (depending on the specific redemption) | Yes |
| Chase Sapphire Preferred® Card (Rates & Fees) | Up to 1.75¢ (depending on the specific redemption) | Yes |
| Ink Business Preferred® Credit Card (Rates & Fees) | Up to 1.75¢ (depending on the specific redemption) | Yes |
| Chase Freedom Flex℠ | 1¢ | No |
| Chase Freedom Unlimited® (Rates & Fees) | 1¢ | No |
| Ink Business Unlimited® Credit Card (Rates & Fees) | 1¢ | No |
| Ink Business Cash® Credit Card (Rates & Fees) | 1¢ | No |
| Ink Business Premier® Credit Card (Rates & Fees) | 1¢ | No |
At the very least, you should get 1 cent per point from your Ultimate Rewards points. That's the rate at which you can cash out points for a statement credit.
Related: Chase Credit Cards: Full Offer History & When To Apply
Which Card Should You Combine Your Ultimate Rewards With?
The Sapphire Reserve and Sapphire Reserve Business are the best cards to combine all your Ultimate Rewards. They provide the best redemption rate through Chase Travel at up to 2¢ per point. They also allow you to transfer to partners like Southwest, United, and World of Hyatt. And they come with excellent travel insurance.
- Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
- Rates & Fees
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
If you don't have a Reserve card, consolidating to the Chase Sapphire Preferred® Card or the Ink Preferred will give you up to 1.75¢ per point in value, depending on the specific redemption. These cards also allow you to transfer to the same travel partners as the Reserve cards.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
- Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Rates & Fees
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
Also, if you plan on closing a card account, you'll want to combine your points from that card before cancellation. Otherwise, you could lose your points earned with that card.
Related: Do Chase Ultimate Rewards Points Expire?
Which Chase Ultimate Rewards Points Can Be Combined?
As long as you own the account, you can combine Chase points with any Sapphire, Freedom, or Ink-branded card.
So, yes, even the cash back earned on the no-annual-fee Freedom-branded Chase cards — like the Chase Freedom Unlimited® — can be combined with points earned via the Sapphire Reserve.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
How To Combine Chase Points Online
Combining Chase Ultimate Rewards points is a quick and easy process. You can combine points with any cards that you are the primary cardholder or cards belonging to one member of your household. You may also combine points with a business co-owner if you hold a business card. Here's the step-by-step process:
1. Log in to your Chase account and click the Ultimate Rewards banner. Or click here.
2. Select any listed card. At this point, it doesn't matter which one you pick.
3. Click on the Rewards details drop down. Then, select Combine points.
4. In the left column, select the card from which you want to move points, and in the right column, pick the recipient card. Then click Continue.
a
Note: If the card is not listed here and you want to transfer to a household member or a co-owner of a business (if you have a business credit card), you'll have to call the number on the back of your card to add the card to your profile.
5. Enter how many points you can to move and click Review.
6. Review the transfer. Then click Submit.
Note the transfer has been completed. You can then visit either linked card and complete any redemption.
Remember that while there is no “undo” functionality, you can still instantly transfer points back to the source card.
How To Transfer Ultimate Rewards Points Between Cards in the Chase App
While combining Chase points online is easy, it's even easier on your phone. Here's how you can combine points using the Chase mobile app.
1. Log in to your account, scroll down, and click Ultimate Rewards.
2. Select any of the listed cards. At this point, it doesn't matter which one you pick. Then scroll down and click on Combine Points.
3. First, select the card from which you want to move points. Then, scroll down to pick the recipient card. Finally, click Next.
4. Enter how many points you can to move and click Review.
5. Review the transfer. Click Submit.
Our Take
Combining Ultimate Rewards is a fast and free process to ensure you get the best possible value from your points. A good time to combine points is when you're considering redeeming them for travel. It's free to do so and helpful to ensure your points are pooled on the card providing the highest possible value for your travel!
- Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Ink Business Premier® Credit Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), and Sapphire Reserve for Business℠ (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
