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.
If you hold multiple
Combining points is about more than simplifying your balances. The redemption options available for your points depend on which card holds them. Moving points from a cash-back card to an eligible Sapphire or Ink card can unlock Chase's airline and hotel transfer partners or increase their potential value through Chase Travel℠.
In this guide, we'll explain which Ultimate
Why Combine Chase Ultimate Rewards Points?
The biggest reason to combine Chase points is to unlock redemption options that aren't available through every Ultimate Rewards card. At a minimum, you can redeem Ultimate Rewards points for cash back at 1 cent apiece. But in recent AwardWallet user redemptions, Chase Ultimate Rewards points have averaged 2.07¢ apiece when redeemed through Chase's transfer partners.
Points earned on no-annual-fee cards can't move to airline or hotel partners on their own. However, if you combine them with an eligible card, those points gain access to the recipient card's redemption options.
That potential is especially valuable right now. The no-annual-fee Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card are each currently offering $1,000 cash back after you spend $8,000 on purchases in the first 4 months from account opening.
If you also hold a Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Sapphire Reserve for Business℠, or Ink Business Preferred® Credit Card, you can combine the points from either Ink card into that account. This effectively turns the $1,000 cash-back bonus into 100,000 transferable Ultimate Rewards points.
- Earn
$750$1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening - Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- 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.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
- Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
You can also consolidate your household balances. If you and a partner or spouse each hold Ultimate
Combining points can also boost your redemption value through Chase Travel℠. How much your points are worth in the portal depends on which card they are associated with. Moving them to a higher-value card before you redeem can provide substantially more value.
Related: Chase Credit Cards: Full Offer History & When To Apply
Which Chase Points Can You Combine?
As long as you're the primary cardholder, you can combine points across any Sapphire, Freedom, or Ink-branded card you hold, whether personal or business. It doesn't matter which card is the source and which is the recipient.
For example, the cash back earned on the no-annual-fee Chase Freedom Unlimited® (Rates & Fees) can be combined with points earned with the Sapphire Reserve (Rates & Fees).
- 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 use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- 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
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
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?
Combining points with a household member
You can also combine points with one household member, but Chase requires that both accounts share the same address on file.
To set this up for the first time, call the number on the back of your card and ask to link the household member's account. A representative will confirm the relationship and add their card to your online “Combine Points” options for future transfers.
If you hold a business card, you can also combine points with a joint owner of that business through the same process.
Which Card Should You Move Your Chase Points To?
The Sapphire Reserve and Sapphire Reserve Business (Rates & Fees) are the best destination cards to combine all your Ultimate Rewards. They offer the best redemption rate through Chase Travel, up to 2¢ per point with Chase's Points Boost. They also allow you to transfer to partners like Southwest, United, and
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 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 subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
- 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 access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- 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
- 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 (Rates & Fees) or the Ink Preferred (Rates & Fees) will give you up to 1.75¢ per point in value through Points Boost. 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, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel
loyalty programs - Member FDIC
- 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 gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
- 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
How to Combine Chase Points Online
Combining Chase Ultimate Rewards points is quick and easy. Here's the step-by-step process:
1. Log in to your Chase account and click the Ultimate Rewards banner.
2. Select any listed card. At this point, it doesn't matter which one you pick.
3. Click on Rewards details. 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.
Note: If the card isn't listed and you want to transfer to a household member or a business co-owner (if you have a business credit card), call the number on the back of your card to add it to your profile.
5. Enter how many points you want to move and click Review.
6. Review the transfer. Then click Submit.
Chase will occasionally ask for additional verification. You may need to verify your transaction through the mobile app or with a code through text or email. If you run into further issues, Chase's customer service team can help process transfers.
Make sure that 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 Combine Chase Points in the Chase App
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 and select the recipient card. Finally, click Next.
4. Enter how many points you want to move and click Review.
5. Review the transfer. Click Submit.
Bottom Line
Combining Ultimate Rewards is a fast and easy way to get the best possible value from your points. The best time to combine points is when you're ready to redeem them for travel, so your points go to the card that provides the highest value for your specific booking.
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 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 subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
- 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 Unlimited® Credit Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), and Ink Business Preferred® Credit Card (Rates & Fees)
