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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.
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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 |
|---|---|---|
| Chase Sapphire Reserve® | 1.5¢ | Yes |
| Chase Sapphire Preferred® Card | 1.25¢ | Yes |
| Ink Business Preferred® Credit Card | 1.25¢ | Yes |
| Chase Freedom Flex℠ | 1¢ | No |
| Chase Freedom Unlimited® | 1¢ | No |
| Ink Business Unlimited® Credit Card | 1¢ | No |
| Ink Business Cash® Credit Card | 1¢ | No |
| Ink Business Premier® Credit Card | 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 is the best card to combine all your Ultimate Rewards. It provides the best redemption rate through Chase Travel at 1.5¢ per point. It also allows you to transfer to partners like Southwest, United, and World of Hyatt. And it comes with excellent travel insurance.
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
- Rates & Fees
- 10X points on hotels and car rentals purchased through Chase Travel℠
- 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
- 5X points on airfare purchased through Chase Travel℠
- 3X points on all other travel
- 3X points on dining at restaurants
- 1X points on all other purchases
If you don't have a Sapphire Reserve, consolidating to the Chase Sapphire Preferred® Card or the Ink Preferred will give you 1.25¢ per point in value. These cards also allow you to transfer to same travel partners as the Sapphire Reserve.
- Earn 60,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
- 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 25% 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 out of 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. That means you can earn a base of 1.5x Ultimate Rewards points on all purchases by strategically spending between Chase cards and then combining points.
- 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.
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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 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
- Rates & Fees
- 10X points on hotels and car rentals purchased through Chase Travel℠
- 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
- 5X points on airfare purchased through Chase Travel℠
- 3X points on all other travel
- 3X points on dining at restaurants
- 1X points on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), and Chase Freedom Unlimited® (Rates & Fees)
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