How to Combine Chase Ultimate Rewards Points Between Credit Cards How to Combine Chase Ultimate Rewards Points Between Credit Cards

How to Combine Chase Ultimate Rewards Points Between 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 Are Chase Ultimate Rewards Worth?

CardPoint Value when Booking Travel Through Ultimate RewardsPoints Transferrable to Travel Partners
Chase Sapphire Reserve®1.50¢Yes
Chase Sapphire Preferred® Card1.25¢Yes
Ink Business Preferred® Credit Card1.25¢Yes
Chase Freedom Flex℠1.00¢No
Chase Freedom Unlimited®1.00¢No
Ink Business Unlimited® Credit Card1.00¢No
Ink Business Cash® Credit Card1.00¢No

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 Southwest, JetBlue, United, and Hyatt, and also comes with fantastic travel insurance.

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 and also allow you to transfer to travel partners.

However, if you plan on closing a card account, you'll want to combine your points out of that card before cancellation to ensure you don't lose your points.

Related: Do Chase Ultimate Rewards Points Expire?

Which Chase Ultimate Rewards Points Can Be Combined?

As long as you're the account owner, you can combine Chase points between any Sapphire, Freedom, and Ink-branded card.

That's right, you can even combine “cashback” earned on $0-annual fee Freedom-branded Chase cards — like the Chase Freedom Unlimited® — with points earned through the $550-annual fee Chase Sapphire Reserve®.

That means you can effectively earn a base of 1.5x Ultimate Rewards points on all purchases by strategically spending between Chase cards and then combining points.

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Annual Fee$0
Welcome Bonus Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to transfer points to partners.
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 20.49% - 29.24%.
  • 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, real-time alerts, and more.
  • Member FDIC
  • Earn 5% on travel purchased through Chase
  • Earn 3% on dining at restaurants
  • Earn 3% on drugstore purchases
  • Earn 1.5% on all purchases

How to Combine Chase Ultimate Rewards Points

Combining Chase Ultimate Rewards 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.

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 menu tab (3-line icon in the top left corner). 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 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.


Keep in mind that — while there is no “undo” functionality — you can instantly transfer points back to the source card.

How Do You Combine Chase Points in the Chase App?

While it's easy to combine Chase points online, I prefer using my phone over my computer. 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 your pick.

Combine-Chase-1-300x2873. Click on the menu tab (3-line icon in the top left corner). Then, select Combine Points.


4. First, select the card from which you want to move points. Then, scroll down to pick the recipient card. Finally, click Next.

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

6. Review the transfer. Click Submit.


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 them 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.

4.9 / 5 - (16 votes)
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  • If I get one of the Ink Business cards for my business, will I be able to transfer the UR points to my wife’s Sapphire card, if I am an authorized user on her card?

    • That’s a great question that I wanted to take a look into. It seems like you won’t be able to transfer points from your Ink to your wife’s Sapphire card.

      I have a similar situation: I have a couple of Ink cards, and my wife has a Sapphire card. And I couldn’t figure out a way to move the points. With that said, I could transfer my Ink points to my wife’s World of Hyatt account, as she is an authorized user on my Ink accounts.

  • Bob Bellar says:

    I had a fraudulent transfer of 390k points to my ink business card account then redeemed for Apple gift cards sent to an email account with my name opened from ,Columbia. I had a warning email from Chase that i had changed to that email address just prior to the transfer. I got hacked!

  • Thank you for the great article! Good Info.

    I am wondering about Chase Ultimate Rewards and Authorized User Cards.

    My husband and I each have the Sapphire Preferred Card right now.
    I would like to pay for only 1 Premium Card but would like us both to be able to transfer points to hotels and airlines with our own points.

    Can this be achieved with having only 1 Premium Card between us?

    What does the AS card provide to a spouse? All the same benefits? Car Insurance etc?

    Or do we need to maintain 2 Premium cards?

    Thank you so much!

    • Many of the CSP benefits apply to a spouse as well as the primary cardholder. And you can add an authorized user to the CSP for free. By doing so, you’ll be able to transfer UR points from the CSP to either one of your airline/hotel accounts.

  • You listed a couple of reasons to combine UR points…

    Combining points from a card you are considering cancelling so that you don’t lose the points.

    A good time to combine points is whenever you’re thinking about redeeming for travel.

    Is there a reason to NOT combine UR points?

    Is there a strategy that people follow regarding the frequency with which they combine UR points?

  • I am a card holder on the business account. If we transfer the UR points to my card/account and then the primary card holder has to close the account are my UR points lost automatically? I hate to transfer them all to an airline but I don’t have another Chase account to transfer them to. Need to be sure of the best option to not lose the 150K points before the primary account holder closes their account. We do have the same mailing address so it would be a ‘within the household’ transfer. Thanks.

    • If you use the “combine points” tool to move points from the business account to another Chase card, the points should be safe if the business card is closed. Just note that you will lose the ability to transfer those points to partners if your card isn’t a CSR, CSP or Ink Preferred.

  • 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!

    • 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.

  • 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

    • 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.

  • 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?

  • 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?

  • Lillian Dikovitsky says:

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

  • 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!

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

  • @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!

  • 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.

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

  • @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. 🙂

  • Alice Chen says:

    Another reason Chase cards are the best!

  • Thanks Chase for making this so easy!

  • 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.

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

  • 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.

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

  • 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 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.

  • I do this quite frequently.

  • Sure hope they don’t end the combination option.

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

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

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

  • 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.

    • 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:

  • 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!

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

  • 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!

  • 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.

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

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

  • 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.

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

  • 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.

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

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

  • Thanks! This is really useful.

  • thanks- that’s super helpful

  • Alice Chen says:

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

  • Thanks for posting – this grid is really helpful

  • 5/24 is killing me 🙁

  • I’m glad that Chase makes this easy.

  • 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.

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

  • Extremely useful tip, especially the point values and transferability.

    Any idea about whether these can be used elsewhere – say

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

      • 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.