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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?
|Card||Value Per Point when Booking travel through UltimateRewards.com||Points Transferrable to Travel Partners||Earning on Everyday Spend||Earning on Dining||Earning on Travel|
|Chase Sapphire Preferred® Card||1.25¢||Yes||1x||3x||• 5x (purchased through Chase)
• 2x (on all other travel)
|Chase Sapphire Reserve®||1.50¢||Yes||1x||• 10x (purchased through Chase Dining)|
• 3x (on all other dining)
|• 10x on hotels and car rentals (purchased through Chase)
• 5x on airfare (purchased through Chase)
• 3x (on all other travel)
|Chase Freedom Flex℠||1.00¢||No||1x||3x||5x (purchased through Chase)|
|Chase Freedom Unlimited®||1.00¢||No||1.5x||3x||5x (purchased through Chase)|
|Ink Business Unlimited® Credit Card||1.00¢||No||1.5x||1.5x||1.5x|
|Ink Business Cash® Credit Card||1.00¢||No||1x||2x (up to $25k/year*)||1x|
|Ink Business Preferred® Credit Card||1.25¢||Yes||1x||1x||3x (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
- Select any of the listed cards (it doesn't matter which one your pick)
- Hover over your points balance and click Combine Points
- 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.
- Enter how many points you can to move and click Review.
- 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.
- Note the transfer has completed. You can then visit either linked card and complete any redemption.
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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