How to Combine Chase Ultimate Rewards From Multiple Credit Cards

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If you have multiple Chase Ultimate Rewards earning credit cards, being able to combine the points earned on each card provides you the capability 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 options for redemption is limited by the credit card with which it is associated.

How Much Is Each Point Worth?

CardValue Per Point when Booking travel through UltimateRewards.comPoints Transferrable to Travel PartnersEarning on Everyday SpendEarning on DiningEarning on Travel
Chase Sapphire Preferred® Card1.25¢Yes1x2x2x
Chase Sapphire Reserve®1.50¢Yes1x3x3x
Chase Freedom Flex℠1.00¢No1x3x5x (purchased through Chase)
Chase Freedom Unlimited®1.00¢No1.5x3x5x (purchased through Chase)
Ink Business Unlimited℠ Credit Card1.00¢No1.5x1.5x1.5x
Ink Business Cash℠ Credit Card1.00¢No1x2x (up to $25k/year*)1x
Ink Business Preferred® Credit Card1.25¢Yes1x1x3x (up to $150k/year*)

What Card(s) Are The Best to Combine To?

The Sapphire Reserve is the single best card to combine all your Ultimate Rewards. It provides the best redemption rate at 1.5¢ per point, allows you to transfer to partners like JetBlue, United, and Hyatt, and also comes with fantastic travel insurance. Otherwise, consolidating to the Chase Sapphire Preferred® Card or the Ink Preferred will give you 1.25¢ per point in value and also allow you to transfer to travel partners. If you plan on closing a card account, you'll want to combine your points from that card before cancellation to ensure you don't lose your points.

How Do You Combine Points?

Combining points is an easy and instantaneous process. You can combine points with any cards that you are the primary cardholder, or cards belonging to one member of your household. If you hold a business card, you may also combine points with a co-owner of that business.

  • Log in to your account and click the Ultimate Rewards® / Use your points banner

Combine Ultimate Rewards - 01

  • Select any of the listed cards (it doesn't matter which one your pick)

Combine Ultimate Rewards - 02

  • Hover over your points balance and click Combine Points

Combine Ultimate Rewards - 03

  • In the left column select the card from which you want to move points and in the right column pick the recipient and click Continue.

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 want to select Add household member to add the card to your profile.

Combine Ultimate Rewards - 04

  • Enter how many points you can to move and click Review.

Combine Ultimate Rewards - 05

  • Review the transfer. Click Confirm & Submit.

Note: While there is no “undo” functionality, you can instantly transfer points back to the source card as well.

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  • Note the transfer has completed. You can then visit either linked card and complete any redemption.

Combine Ultimate Rewards - 07

In Conclusion

Combining Ultimate Rewards is a fast and free process to ensure you'll always get the best possible value from your points. A good time to combine points is whenever you're thinking about redeeming for travel. It doesn't cost a thing and gets you in the habit of ensuring your points are associated with the card that provides the highest possible value.

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Comments

  • Avatar

    My husband and i both have the Chase Ink Business Preferred. His is listed with our actual business address, my card is my home business. We both have personal cards that earn UR points. Is there a rule where we can’t transfer points into or out of his CIBP with the different address? Seems like I saw this somewhere and I want to make sure that I’m not breaking a rule that would cause me to lose a bunch of points. Thank you!

    • Avatar

      Very wise of you to be wary of this. I’m not aware of any provision that would prevent that. However, you should have no issue “combining” the points earned through your respective Chase Ink Preferred with your personal UR cards. Then, you could transfer between spouses as individuals. That prevents any potential stickiness of transferring to an account at a different address.

  • Avatar

    Is it possible to have both the sapphire reserve and preferred cards? I have the reserve card but thinking about adding the preferred with the 80,000 point bonus and then cancelling it or converting it to a no annual fee card. Is that possible? thanks

    • Avatar

      I’m in your same shoes. Unfortunately, the T&C read “The product is not available to either (i) current cardmembers of any Sapphire credit card”. So, I’m considering “combining” points onto my Ink Cash card, downgrading my CSR to a Freedom Flex, and then signing up for the CSP. It should work, but there’s some risk to it.

  • Avatar
    Heather Hansen says:

    How many times can you change the add a household member card? We have 4 partners at our practice and are trying to funnel UR points to each partner each month and then be able to combine those divided UR points at each partners home accounts after. Possible?

  • Avatar

    on my chase reward page to combine points, I can only transfer from the Chase Sapphire Preferred to my Chase Freedom Unlimited Reward points. not the other way around? am I missing something?

  • Avatar
    Lillian Dikovitsky says:

    I’ll have to try this as soon as my husband’s UR point post. Thanks.

  • Avatar

    I had no clue you can combine the points! I have tons points on my Sapphire Preferred – moving it to a Reserve makes so much sense. Thanks for the tips!

  • Avatar

    Great advice to transfer points on a regular basis. There’s no telling when any award program could change without notice. Thank you!

  • Avatar

    @EC My pleasure. As I’m sure you know, it’s always good to be proactive in this game, just in case. Happy to help!

  • Avatar

    I never thought that Chase might do something like this. The value of having card combinations would be gone. I also collect Amex Membership rewards and a devaluation like this would definitely make those points more valuable to me, since their points are collected into one account. I have combined my points into my CSR account and I’ll be doing so each month. Thanks.

  • Avatar

    Hope Chase doesn’t limit our ability to pool UR points — that would seriously limit the appeal of their no-fee UR cards.

  • Avatar

    @Thomas says: “Rumors are again swirling that Chase may limit point transfers between credit lines, and/or between household members, so if you have plans to combine UR points, I’d do it now, rather than delay too much longer.”

    Thanks for getting me focused; that did the trick. It was time. 🙂

  • Avatar
    Alice Chen says:

    Another reason Chase cards are the best!

  • Avatar

    Thanks Chase for making this so easy!

  • Avatar
    deerseason says:

    Ugh, Chase’s anti-consumer downgrades is getting to be annoying. Luckily we’re not such hungry point-chasers anymore, but if any other card issuers wanna fill the gap, now’s their chance.

  • Avatar

    Chase better not remove the ability to move UR points between cards.
    This is such an important feature that they just cannot mess with.

  • Avatar

    Thanks for the in-depth step-by-step process of combining points. Especially if the rumors are true and Chase intends to do away with this.

  • Avatar

    I will be very disappointed in Chase if they take away the ability to do this. 🙁

  • Avatar

    Rumors are again swirling that Chase may limit point transfers between credit lines, and/or between household members, so if you have plans to combine UR points, I’d do it now, rather than delay too much longer.

  • Avatar

    Thanks for the info that combining points may be a thing of the past. I just did it so I don’t miss it and wind up woith small amounts across multiple accounts.

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    I do this quite frequently.

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    Sure hope they don’t end the combination option.

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    I just learned to do this the last year because I finally have UR cards.

  • Avatar

    Great advice to do it on a regular basis. Thanks for the info.

  • Avatar

    I do this every month across my multiple Inks and Freedoms.

  • Avatar

    If I have the Chase Ink Business card, and my spouse gets the Chase Freedom, can I move her points to my account? Not sure how it works with my having a business card and hers being a personal card.

    FWIW, she is an authorized user on my Ink card.

    • Avatar

      According to the terms, yes, you can.

      Here are the terms from the combine points section on the Ultimate Rewards website:

      Combine points with other Chase cards with Ultimate Rewards
      You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account and you’ll lose all your points.

      Process to complete the transfer is outlined here: https://awardwallet.com/blog/combine-chase-ultimate-rewards-multiple-credit-cards/

  • Avatar

    I do this every month after I pay my various Chase credit card bills. My strategy includes Chase Freedom (for 5x rotating quarterly categories), Chase Freedom Unlimited (for 1.5x earning on all non-bonus spend) and Chase Sapphire Reserve (for 3x earning on travel and dining). This effectively gives me 7.5% on the Freedom, 2.25% on the Freedom Unlimited, and 4.5% on Travel and Dining (assuming I use the points on travel bookings through the Ultimate Rewards portal). Possibly even higher valuation by transferring the points to partner programs!

  • Avatar

    Thanks for the great info / options on xfering points!!

  • Avatar

    this is good info to review at least once to get an idea how to transfer the points from one card to another.
    i did it once without seeing one of these instruction, thought chase made it to be not so difficult, this definitely a good help!

  • Avatar

    Thanks, this was a particularly useful post, and especially for those of us who signed up for the Sapphire Reserve last year and have still not gotten round to using those points on travel.

  • Avatar

    UR points are awesome, especially if one can redeem them for 1.5cpp or more…

  • Avatar

    nice one. chase is the winner of my credit card business!

  • Avatar

    I’ve been very pleased with the Chase UR program for many years. Thanks for this clear guide showing people how to combine points. I have several Chase cards and frequently exercise the methods shown in this article.

  • Avatar

    Dare I say that Chase Rewards is the best loyalty program out there!

  • Avatar

    this is a great tip! let’s wish they get rid of 5/24 or that AMEX Is making Chase worry about customers loss so they get rid of 5/24.

  • Avatar

    Perfect timing as the CSR is next on my radar! Very useful chart.

  • Avatar

    I am working on gathering Chase Ultimate Rewards points. Thanks for the primer. This will be very useful.

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    Thanks! This is really useful.

  • Avatar

    thanks- that’s super helpful

  • Avatar
    Alice Chen says:

    What an awesome guide! I had no idea you could do this!

  • Avatar

    Thanks for posting – this grid is really helpful

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    5/24 is killing me 🙁

  • Avatar

    I’m glad that Chase makes this easy.

  • Avatar

    I think that I like the Ultimate Rewards for travel redemption. But I never get approved for Chase business cards. And the 5/24 rule keeps me from applying for a sapphire card, not that I know which sapphire card to apply for anyway. Feel it’s getting tougher to qualify and participate in all these programs.

  • Avatar

    Being able to combine point between cards and between household members is definitely one of the best features of UR.

  • Avatar

    Extremely useful tip, especially the point values and transferability.

    Any idea about whether these can be used elsewhere – say amazon.com?

    • Avatar

      Sure, they can, but the value is poor. Please don’t use them at Amazon.

      • Avatar

        You would never want to use Ultimate Rewards points to purchase on Amazon. Quite the opposite. Instead you want to use your Chase Ink Business Plus card that generates 5x points at office supply stores to buy Amazon gift cards so that you generate 5x points on Amazon.