Which Rewards Programs Allow You to Combine Points and Miles for Free?

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The web is full of posts covering techniques to earn and burn points and miles. Advice on which credit card to add to your wallet, identifying airlines and hotels that will maximize the value of rewards points, and mapping out redemption options all over the world.

One aspect of rewards travel that's a little harder to unearth reliable information for, is family pooling and transferring of program points or miles.

In this post, we’ll be highlighting transfer policies for major programs, and offering simple ‘how-to’ instructions on sharing points and miles with your family and friends.

Why Transfer or Pool Points and Miles?

A few reasons spring to mind.

  • To reach a specific redemption. A no-brainer, but trying to reach a particular redemption for an upcoming trip often involves juggling points between accounts.
  • Allows you to transfer rewards to an account that has elite status. Redeeming flights and stays through an account that has elite status can add a ton of value to your travel experience.
  • Some programs require names to match for transfers to take place. SPG, for example, requires the account names on both the SPG account and the receiving frequent flyer account to match for the transfer to go through.
  • Pooling makes it easy to utilize small numbers of orphaned points. Having multiple accounts with a small balance is frustrating as there is often no way of redeeming them. Family pooling enables you to collect rewards into a usable balance and burn them for travel and accommodation.
  • When you want to cancel a card or account and need to move the points before pulling the trigger. Travel goals change from year-to-year and the cards we need to achieve them change with the goals. Transferring points and miles is often the only way to keep them alive in this case.

Family Pooling and Transferring Flexible Rewards Currencies

Chase Ultimate Rewards

You can transfer points “…only to another Chase card with Ultimate Rewards belonging to you, or one member of your household.” Chase is strict on this rule, and you risk losing your points if you violate the transfer policy. Chase business accounts also allow you to move points to other business owners. This includes points from cards like:

Initiate transfers by signing into your Ultimate Rewards account and selecting the card you want to transfer points from.

  • Hover the cursor over the points balance and click ‘Combine Points’ at the bottom of the pop-up
  • Click the option under your card accounts to ‘Add Household Member
  • Choose how many points you want to transfer, review, and submit the request.

Citi ThankYou Rewards

Despite Citi adding a 100K limit to transfers, Citi ThankYou Rewards remains the most flexible of the big four currencies for transferring points between member accounts. There are, however, a couple of things worth noting.

  • Shared points are only valid for 90 days from the time they are received, so only transfer with a plan to redeem them within 3 months.
  • You can only share and receive 100K Citi ThankYou Points per calendar year.

To share Citi ThankYou Points with another member:

  • Sign into your account at ThankYou.com
  • Click the ‘More Ways to Redeem’ tab
  • Scroll to the right and click on the ‘Points Sharing’ tab
  • Click ‘Share points on ThankYou.com

If you're already signed in, you can access the transfer page directly.

American Express Membership Rewards

You cannot transfer Amex Membership Rewards to another member account, but you can transfer points to a frequent flyer account in someone else's name, as long as that person is an authorized user on your Amex card account.

“The frequent customer program account that you transfer points into must be held by you or an Additional Card Member linked to your program account.”

Amex has the most restrictive of the points sharing options for flexible rewards currencies.

Family Pooling and Transferring Hotel Points

Marriott Bonvoy

Members can transfer up to 100K Marriott Rewards points per year, in increments of 1,000 points.

“…Members can transfer up to a maximum of 100,000 Points per calendar year between any two accounts in good standing that have each been open for at least sixty (60) days, whether sending or receiving Points.”

It used to be the case you could transfer more than 100K if it was for immediate redemption, but that is no longer the case following the Marriott/SPG merger. You can, however, receive more than 100K points per year, up to 500,000 in fact. So you could potentially receive points from multiple family accounts to help you achieve a specific redemption.

To transfer Marriott points to another member account, call the Guest Services line at (801) 468-4000 and request a transfer.

Want to increase your Marriott Rewards account balance? Look into the Marriott Rewards® Premier Plus Credit Card or its business equivalent, the Marriott Rewards® Premier Business Credit Card.

World of Hyatt

Hyatt allows points transfers between any accounts that are in good standing, but only allows transfers once every 30 days.

“…A single member may only participate in a point combining transaction (transferring or receiving of points) once every 30 days…”

The process is straightforward. Simply fill out this form or visit World of Hyatt’s new points sharing page.

Hilton Honors

As we detailed in a recent post, Hilton now has one of the best points pooling options of any rewards program we’ve seen. You can combine points with up to 10 other members, sending as many as 500K points and receiving up to 2 million Honors points!

Hilton Honors Pool Points

Navigate to the points pooling from your Honors account, or you can access the transfer page directly.

Our favorite rewards cards for earning Hilton points:

Club Carlson

Club Carlson has different transfer rules for elite and non-elite members.

  • Elite members may transfer Points from their account to another Program member account upon request.
  • All other members (non-Elite) may transfer Points to another Program member residing in the same household provided that both individuals have been a Program member for at least one year and the addresses for either account involved in the transfer have not been up updated within thirty (30) days prior to the transfer request.

To start transferring your Gold Points, call the Member Services line on (888) 288-8889 and request a transfer, or view the details on the Club Carlson website.

IHG Rewards

There is no limit to the number of points IHG Rewards members can transfer to other members, but the cost is high and not an action we recommend. IHG points transfers are processed by Points.com. We've only listed IHG here, because they're a standout among major loyalty programs as they charge for the transfers unlike, Hilton, Hyatt, and Marriott.

“IHG® Rewards Club points can be transferred to another IHG® Rewards Club member in 1,000 point increments for $5 USD per 1,000 points. There is no limit to the number of points a member can transfer or receive…”

If you need to transfer IHG points, head over to transfer page on IHG’s website and sign into your account.

Another option for accumulating a decent stack of IHG points is the IHG® Rewards Club Premier Credit Card.

Family Pooling and Transferring Airline Miles

Many frequent flyer programs charge members to move points between accounts. For example, you can transfer American AAdvantage miles to another account, but it costs 1.25¢ per mile and wipes the value out of your miles, so we’re only listing options where it is viable to pool or transfer miles without the huge costs.

British Airways Executive Club

With the British Airways Visa Signature® Card currently offering a great signup bonus, there is no doubt plenty of households now looking to share Avios. Fortunately, BA offers one of the better options for sharing miles, the BA Executive Club Household Account.

BA Executive Club Household Account

You can pool Avios with up to 6 other members of your household, and once established, you can also set up a Family and Friends List which allows you to use pooled Avios for people outside your family pool. Miles are deducted evenly for redemptions across all accounts linked to the Household Account.

Emirates Skywards

Emirates allows pooling of up to 8 members — and the amount of miles pools can be controlled by the individual, from as little as 0% to 100%. Current miles are not moved, only future ones based on the contribution percentage. You'll want to setup pooling as soon as you create accounts if you're looking to pool for an upcoming trip

You can see all the details of Emirates Skywards My Family on their program page.

JetBlue TrueBlue

JetBlue also offers a great family pooling feature, although accounts are limited to 2 adults and 5 children. Unlike BA’s Household Accounts, JetBlue allows members of family pooling to nominate the percentage of points they wish to contribute to each redemption, meaning each member can contribute more or less dependent on earning patterns.

Family pooling is a great way to combine signup bonuses on cards like the JetBlue Plus Card, and it’s partner JetBlue Business Card, to use for the whole family.

You can see all the details of JetBlue TrueBlue family pooling on their FAQ page.

Korean Air SKYPASS

The Korean SKYPASS Family Plan allows up to 5 family members to draw from one pool of miles for award redemptions.

“Members with insufficient miles for award redemption can supplement their miles with the miles of immediate family members.

Up to 5 family members, including the SKYPASS member, may redeem awards through the Family Plan. All of the member’s accumulated mileage will be used when pooling family mileage.”

Remember, SKYPASS is a transfer partner of Marriott Rewards. If you want to combine Marriott Rewards points with other family members for travel, Korean’s Family Plan offers a viable alternative as you can pool points from family members from any location, as long as you can provide proof of the relationship.

HawaiianMiles

While sharing HawaiianMiles will typically cost you a cent per piece + a $25 service fee, it is free to receive miles if you hold the Hawaiian Airlines® World Elite Mastercard® .

“Any HawaiianMiles member can give miles to a Hawaiian Airlines primary credit or check cardholder—free of charge…”

Etihad Guest

You can combine Etihad Guest Miles into a ‘Family Joining’ account. Although the name appears a touch lost in translation, the Family Joining account allows up to 8 members to pool points into a central account controlled by the Family Head.

“When any member of your Family Membership travels with us or one of our partner airlines, 100% of the Etihad Guest Miles earned by the Family Guest will be transferred to the Family Head's account, along with any bonus miles earned. You don’t need to travel together to accrue all the benefits of Family Membership.

Family Guests enrolled in a Family Membership continue to receive 100% of the Etihad Guest Tier Miles they earn and carry on receiving all their personal tier benefits – so they'll also be eligible for promotion to Etihad Guest Silver and Etihad Guest Gold, and all the benefits of membership of these exclusive premium tiers.”

To register for Family Joining, click through to the registration page on Etihad Guest’s website.

Qantas Frequent Flyer

Qantas members can transfer points to family members. The minimum transfer is 5,000 points, up to a maximum 600,000 points per transfer. Transfers attract a fee if you call a consultant, but the service is free if you use the online form.

ANA Mileage Club

ANA only allows members from outside Japan to combine miles in a family pooling account known as an ANA Mileage Club Family Account, or AFA, which allows between 2-8 members to combine miles into a primary account holders account.

“ANA Mileage Club members (the primary member) who reside outside Japan can register 2-8 family members (including themselves) for this service. The registered family members can be their spouse or same-sex marriage partner, and relatives within 2 degrees of kinship.”

Registering an AFA account costs 1,000 ANA miles which are deducted from the primary account holders account. The signup process is straightforward, simply head to the Family Account page on ANA’s website and hit the ‘Registration Form‘ button under the ‘Process for Using the AFA Service‘ tab.

Aeromexico Club Premier

Aeromexico offers a Family Program for pooling Club Premier points. There is no restriction on the number of members in your family group, but membership is limited to a spouse and direct children, and children’s last names must match that of one parent.

“Membership is limited to spousal and children’s accounts linked to the primary account.”

There is no limit to the number of points you can combine and all transfers are free of charge. You can signup to the Family Program on the Club Premier website.

Club Premier Family Program

JAL Mileage Bank

The family pooling option for Japan Airlines Mileage Bank, JAL Family Club, allows up to 9 family members to combine miles into a single account. The primary account holder must reside outside the US, however, family members’ country of residence is not a factor, so family members can live in Japan as long as the primary account holder lives outside Japan in a listed eligible country.

There is an initial fee of 1,000 miles to set the Family Club account up, and an additional 1,000 miles for every family member you bring on. JAL charges 1,000 miles each member every 5 years, there is no annual membership fee.

The primary account holder can signup for a Family Club account via the link at the bottom of the Family Club website.

Norwegian Rewards CashPoints

Norwegian Rewards allows you to connect your account up to a Family Account that includes up to 7 members. Norwegian Rewards also sports the loosest definition of ‘family,' putting it on the record that a family account can include anyone you know (or don't know if you want to push the limits).

You can freely choose to invite whoever you want. Although Family Account was designed for families to earn CashPoints together, we do not restrict it for other uses – such as inviting your friends or similar.”

Technically, with those definitions, you could pool points from any seven accounts into a family account, with the only stipulation being that members of a family account must remain members of the account for a minimum of three months.

There are a few rules and regulations to wraps your head around, but overall the Norwegian Rewards Family Pooling feature is more flexible than any of its US counterparts.

Virgin Australia Velocity

Virgin Australia's Velocity Frequent Flyer is another program to offer flexible family pooling, allowing members to pool Status Credits in addition to Velocity points. You can connect up to 6 family members living at the same address.

You need to register the family pooling account prior to commencing the flights you wish to credit to the beneficiary account. A Velocity family account can only contain two adults over the age of 18, with the remaining members required to be under 18 years of age.

Lufthansa Miles & More

From May 2018, Lufthansa's Miles & More program will allow members to pool miles for up to two adults and five children. The Miles & More family pooling option only applies to award miles, status miles cannot be pooled. Either adult can redeem miles for award travel from the combined family account.

Final Thoughts

The ability to combine points and miles into a single account for family members to draw on is a big drawcard for any rewards program.

BA’s Executive Club is the stand out for airline rewards, being able to combine your Avios into a centralized account which, after registering friends & family, can be redeemed for rewards for a host of different family members and friends offers great flexibility.

Hilton’s new points pooling is also a highlight, offering the ability to connect with members outside your immediate family. And with transfer limits running into the millions of points, more generous than competitor programs.

If you have any questions about any of the programs or policies mentioned, please reach out in the comments. Likewise, if we’ve missed any programs that offer convenient (and low-cost) transfers and family pooling opportunities, please get in touch, and we’ll update the post accordingly.

Which Rewards Programs Allow You to Combine Points and Miles for Free?
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Comments

  • Excellent and useful resource. Thanks.

    Possibly would have been even better to split into three separate posts for maximum clarity. (CC, hotel, airline)

  • Definitely a helpful post, and it’s certainly good to see large programs like Hilton start to loosen the strings ever so slightly in ways that can help out a family, etc.

  • Great summary. I need to get on the Chase Ultimate Rewards train with a Sapphire card.

  • Very useful post, especially for someone who “oversees” miles and points for several family members. How I wish IHG would loosen their transfer rules, too.

    • I FEEL YOUR PAIN! I think everyone in my family has the IHG card with some random amount of points that doesn’t amount to a whole heck of a lot which I’d love to consolidate.

  • Great post! It would be helpful to know how long the transfers take so we can plan accordingly. Chase transfers are instant, provided the accounts are already linked.

  • My wife and I have a household account with BA. Using Ultimate Rewards we are able to share points for award travel on UA. It would be great to be able to share AA and DL miles.

  • Thanks for this comprehensive guide! It is really helpful.

  • Jacqueline parsons says:

    Great article! The ways of getting round restrictions was of particular interest, many thanks.

  • This is very useful info since I maintain a lot of accounts for four people. I’ll be combining Hilton points now for an awesome 7-night vacation for next year. Thanks so much!

  • I am going to print this post and keep it at my fingertips. Great info, and thx!

  • Does household member for chase have to be your family or just someone who lives in the same house as you?

    • The terms do not explicitly state that there must be a familial relationship, however, I do think the intent is there. That said, if it were me and say I was engaged to be married, I would have no problem transferring points to/from my fiancé in good faith.

  • WOW! This is a great list. I am always worried about pooling points when I have my fiance open a card. Glad to get these tips.

  • great resource!! Thanks for compiling!

  • Maryjane says:

    This article is full of great information. I already oversee my parents accounts and didn’t realize the benefits that were available for pooling and sharing. It’s particularly nice when the sharing isn’t limited to family sharing the same address.

  • You can also transfer AeroMexico Premier points through their “Family Program” at no charge. You can only transfer points among spouses and their children.

  • Does anyone know if it’s possible to pool Fairmont rewards points earned with the Chase Fairmont card?

  • The Hilton Honors point sharing is great. I booked two nights (worth $600 each) for me and my parents in NYC in December, one using a reward certificate and the other using points. Neither has seen Christmas in the city, so this was a great opportunity. Using the point sharing, my dad is transferring half the points for the second night to me.

  • Thanks for the comprehensive guide. After seeing orphan points go to waste across programs, I’m definitely taking a closer look at combinable points.

  • MICHAELJ says:

    This is the most useful summary of the sharing issue I have ever seen! Thank you!

  • lorem ipsum says:

    My household has four Chase UR account holders (let’s call them A, B, C, and D). If each can transfer to just one other household member, can B, C, and D each transfer points to A?

    • This is a question I would recommend you ask directly to Chase. My understanding of the terms as it reads from https://ultimaterewardspoints.chase.com/combine-points/add-new-account (You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household.) is that yes, this would be an acceptable use of combining points, but I do not think this is the intended use. I think the intent is to have a 1:1 relationship, not many:1. Hence, my suggestion to contact Chase directly.

  • amzsinger@gmail.com says:

    Thanks for this post! A lot of great information here. Based on what I’m reading it seems the Chase Sapphire Reserved is the way to go! I’ll be checking back on this regularly!

  • lorem ipsum says:

    Sun Country Ufly allows free pooling of up to 10 Ufly Rewards members.

  • Nice to have this all in one place – thanks

  • Great post, found quite a few programs that allow pooling that I was not aware of like Hhonors.

  • This is the most helpful post I’ve read yet on this page. Thanks! Gotta go and transfer points!

  • I believe that ANA allows for family sharing redemption as well, for a small fee to setup the initial household connection.

  • The family and address restrictions are frustrating for me. My partner and I do not ever plan to marry, but have been together over 10 years. Further complicating this is the fact that we maintain two residences, a pied a terre in the city where we work and he owns a business, and our actual residence. We each use one as our primary address so that one of us can vote in elections in each location as they both affect us.

    90% of our travel is together. I tend to put all of our joint hotel stays in my name for simplicity sake, and we each have our own airline accounts. He has the Sapphire Reserve, but I have most of the other points-earning cards in our household, including Sapphire Preferred and Freedom. I’m worried that if we try to pool our Chase points, we may get denied over a technicality. I considered changing the address on my Chase accounts, but then I worry that I may have trouble down the line with addresses not matching somewhere else.

    • Angie, you have a situation that I bet no one has really sat down and thought through. I would suggest calling up Chase and discussing the situation — they want you to be a happy customer and given your circumstances I’d be interested in hearing what their take is on it.

  • My husband and I both have separate Chase Sapphine Reserve cards. When I looked up their policy about transferring points to each other I understood it to say that transfers can only be done if we are authorized users on each other’s cards. Since we decided not to pay the annual fees to add each other as authorized users on each others’ cards, is it your understanding we can still transfer points to each other despite the fact that we are both sole authorized users for each of our cards? This would give us unlimited flexibility on how we use our cards and our points!

    • The terms as they read verbatim (from https://ultimaterewardspoints.chase.com/combine-points/add-new-account) are “You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household.”

      As that reads, if I were you, I wouldn’t be concerned with you and your husband moving points between one another’s accounts. If you have ANY concern, I would recommend calling up Chase and asking for clarification. This is my interpretation (which I, personally am confident with), but you should be confident in your decision.

      • Hmmm….that link takes me to a page headed ‘add another Chase cardholder’. When I tried to transfer points to my husband (and vice versa) on the Ultimate Rewards website it provided a drop down menu to choose which authorized user to receive the points…and since we are both only authorized on our own cards and not each other’s, there was no way to transfer. So I’ll do as you suggest and call them. Fingers crossed!

        • Once you’re at your Ultimate Rewards account page, if you hover over your points balance in the title menu bar a drop down that says “Combine Points” should come up. I click that and then I can click “Add household member” where I type in a card number and last name.

          This allows you to move Ultimate Rewards between card accounts and then you can move your Ultimate Rewards to your Hyatt or United and he to his through his account. If you want to be able to transfer your Ultimate Rewards to his United account, he’d need to be an authorized user. Crazy, but sorta clear?

  • Hard to go wrong with SPG, but, I worry about its future after the Marriott Merger.

    • amzsinger@gmail.com says:

      I’ve found the merger to be helpful. Status on one is automatically linked to the other and for now points can easily be moved between programs. Plus there’s the benefit of so many more options of hotels. I guess only time will tell, but so far so good for me at least

  • ANGELO FONSECA says:

    great. very usefull guide. thanks

  • My favorite transferable points are Chase Ultimate Rewards points. It is really very easy to do and thank goodness for that! My partner and I were just able to combine our points to pay for all of our flights when we take my mother to Europe on a tour of the Christmas Markets in December!

  • Great resource — thanks!

  • I love the Jetblue family pooling option.

  • wish the us airlines would get on board

  • The American AA Advantage miles are my favorite

  • Binita Patel says:

    Great summary – need to get on the Citi transfer option soon!

  • Can you extend points expiration by pooling?

    • Don’t count on it. While SPG will count activity if you transfer from your SPG to your Marriott — traditional pooling like with Hilton or BA won’t extend the life of points unfortunately.

  • YVONNE JOHNSON says:

    Good article!
    Korean Air Skypass is fantastic for those who live in Hawaii as you can fly west from Honolulu to Korea and then on to Asia, India, and beyond.

  • I traveled with Emirates and asked them to send my points on alaska. Don’t why I had an assumption that Alaska Airline let you move points within accounts for free. My bad!

    Now, anyone have any idea how I move points? My kid and my wife both have 10K points in their account now.

    • You can of course pay to transfer, but what about looking to redeem one-way tickets instead of round-trip? Perhaps you can find some sub-10k redemptions that make sense.

  • Hope to see Marriott follow SPG’s suit and not have a transfer fee.

  • I agree MichaelJ extremely useful. I am lucky my husband researches all of the cards for us and I will be sharing all of this info. With him. I look forward to pooling more points and traveling more often.

  • super helpful- thank you

  • Very useful information. Need to refer back once a while.

  • Thanks much for that great information! Keep up the great work!

  • Excellent post! Definitely bookmarking this for later.

  • Nice summary. After the merge of SPG and Marriott, I have moved from Hyatt to SPG now

  • Air Flyer says:

    Very useful and handy list. Thanks!

  • Good to know!

  • This is the thing I hate about Amex MR – can’t share or combine

  • Adam Parsons says:

    Love these type of articles as they always throw up a little something you didn’t know about, cheers guys!

  • Very nice summary. Many of them I can not imagine that they have these options. Thanks a lot.

  • Very useful post.
    The rules for combining points and miles are different and this create confusion.
    Moreover, also the way the pool works is different.
    This is definitely one of the aspect of miles and points I know less!

  • I literally didn’t realise you could share any of these! Thanks

  • Leslie Johnson says:

    Love chase between my personal and biz cards plus my husbands personal and biz cards we can bank a ton of points every month. Wish IHG would allow family pooling without a charge!

  • Great Post – Its a pity that points under a thousand cannot be transferred or combined ( SPG , MARRIOTT , HILTON) . Also All my kids have a few thousand orphan IHG point . Pity about the charge.

    • Relatively recent change with sPG. Makes no sense at all. They should be happy to get rid of Oprah accounts with balances less than 1,000.

  • I have been a Marriott Rewards Platinum member for years and never knew this transfer option existed. Thanks!

  • Aunali Khaku says:

    I have 50,000 points plus on Jetblue because of family pooling. I earned the miles on emirates. I knew i would never get enough on emirates to get a free flight, so we used our jetblue rewards, which allows for earning miles on emirates, and two international trips with three in our family has us with 50,000 points plus in jetblue!

  • Marilyn B says:

    Great summary of useful info. Ultimate Rewards combining has worked well in my household.

  • All great pooling info. Now deciding which works best toward my travel goals

  • Kevin Davis says:

    What about Spirit Airlines??

    • Given that miles expire within 3 months of earning (unless you have and actively use their co-brand credit card) we don’t really consider this a viable program and didn’t look into Spirit and its capabilities of points combining. That said, based on what I’ve seen, no you cannot.

  • Solid Post. I wish there were more opportunities in Canada for transferable points currencies. Amex Rewards isn’t up to scratch compared to it’s US counterpart thanks to only a few partners.

  • I’d love to see all programs allow combining — if fraud is a concern, restrict how often people can designate their households. If Amazon & Google figured it out, it can’t be hard, let me at our miles!

  • Good reference for points pooling.

  • I love when you guys do these! So much useful info in one place! Really we may be trying on our own to have all the info but really would be lost without you all! I found that I can transfer from my Chase UR to my hubby’s United account and that saved our trip! thank you!

  • You can do Marriot transfers also via SPG if you have linked accounts.

  • Is there any way to convert British Airways Avios to Hilton Honor Rewards? Or to any other hotel program?

    • You could try through Points.com Exchange — but I highly doubt the transfer rates would be something you might want to avoid. Unfortunately, there are no direct transfer options from BA > Hilton, but you could book a hotel directly using Avios: https://www.britishairways.com/travel/spend-avios-hotels-cars/public/en_us

    • I tried to transfer Avios to Hilton Rewards points but failed. But your information on the British Airways Household Accounts provided a different route for me. Since I won’t be using my Avios for flights, I decided to use them for lodging. Same for my spouse. With the Household Account, me can combine our Avios and have enough to make a great vacation lodging spend. Thanks for the great information in your post!

  • Trying to use our British Avios – based on the information posted above, I set up a Household Account and included my spouse as a member.. Both my spouse & I have Avios in separate accounts now. In order to arrange the lodging we want, it will take most of the combined Avis we have. My question – in the process of setting up the Household Account, are the Avios from each of our accounts available to make the lodging?

    Or does the Household Account only allow either of us to use my Avios, but not hers?

    • When using Avios from a household account, deductions are taken from the accounts of both members — you’ll each see a percentage taken, based on the redemption. You effectively redeem together.

  • Thanks for compiling this. I was wondering if anyone else had a ‘family pooling’ type option like Jet Blue. Now I don’t have to look up everyone else separately.

  • Thanks for the article, it would be great to see even more analytic/comparative information about reward programs.

  • Thanks for the transfer recap! I’ve used the chase and spg transfers before but this showed me more options.

  • Thank you. I was starting to try to figure out some of this on my own. Now, I have it all in one place.

  • Camilla Sauder says:

    Hilton’s new pooling is why I referred my husband, got 15,000 points, and he got 75,000 points for only spending $1,000 in three months. Added together we now have over 265,000 points and their reserve four nights, get one free with points, makes this a win-win for us especially since their cards carry no annual fees.

  • IHG is the laughing stock charging $5 per 1000 points transferred. Scammers.

  • Do both Marriott members have to be Gold or Platinum to be able to transfer and receive for free? Or, is the one transferring just need to be the one to be Platinum or Gold?

  • Hello! Thank you for this helpful guide. I was wondering if you mind sharing where you got the language re: transferring Amex MR to an authorized users loyalty account? I have been looking at their terms and conditions available online (I’m not a cardholder) and it only says that it can only be transferred to a loyalty account in the primary cardholders name. I’m curious if maybe something has changed recently or perhaps cardholders have more robust T&C that go into authorized users? Thanks again!

  • Vinit Dave says:

    Nicely consolidated .. Good Details.

  • I am in Australia and I can’t find where to pool Lufthansa miles and more miles?

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