{"id":14531,"date":"2026-09-07T23:50:36","date_gmt":"2026-09-07T23:50:36","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=14531"},"modified":"2026-09-09T09:58:23","modified_gmt":"2026-09-09T09:58:23","slug":"how-to-combine-chase-points","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/","title":{"rendered":"How (and Why) to Combine Chase Ultimate Rewards Points Between Credit Cards"},"content":{"rendered":"

If you hold multiple credit cards that earn Chase Ultimate Rewards<\/a>, your points don't need to remain split among separate accounts. Chase lets you combine points between eligible cards you hold — including between personal and business cards.<\/p>\n

Combining points is about more than simplifying your balances. The redemption options available for your points depend on which card holds them. Moving points from a cash-back card to an eligible Sapphire or Ink card can unlock Chase's airline and hotel transfer partners<\/a> or increase their potential value through Chase Travel\u2120.<\/p>\n

In this guide, we'll explain which Ultimate Rewards points you can combine, which card you should pool them in, and how to complete the process online or through the Chase mobile app.<\/p>\n

Why Combine Chase Ultimate Rewards Points?<\/span><\/h2>\n

The biggest reason to combine Chase points is to unlock redemption options that aren't available through every Ultimate Rewards card. At a minimum, you can redeem Ultimate Rewards points for cash back at 1 cent apiece. But in recent AwardWallet user redemptions, Chase Ultimate Rewards points have averaged 2.07\u00a2 apiece<\/a> when redeemed through Chase's transfer partners<\/a>.<\/p>\n

Points earned on no-annual-fee cards can't move to airline or hotel partners on their own. However, if you combine them with an eligible card, those points gain access to the recipient card's redemption options.<\/p>\n

That potential is especially valuable right now. The no-annual-fee Ink Business Unlimited\u00ae<\/sup> Credit Card<\/a> and Ink Business Cash\u00ae<\/sup> Credit Card<\/a> are each currently offering $750 cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/p>\n

If you also hold a Chase Sapphire Reserve\u00ae<\/sup><\/a>, Chase Sapphire Preferred\u00ae<\/sup> Card<\/a>, Sapphire Reserve for Business\u2120<\/a>, or Ink Business Preferred\u00ae<\/sup> Credit Card<\/a>, you can combine the points from either Ink card into that account. This effectively turns the $750 cash-back bonus into 100,000 transferable Ultimate Rewards points<\/a>.<\/p>\n

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Ink Business Unlimited\u00ae<\/sup> Credit Card<\/div>\n
\"Ink<\/div>\n
Apply Now<\/a><\/div>\n
Rates & Fees<\/a><\/span><\/div>\n
Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n <\/div>\n
\n Ink Business Unlimited\u00ae<\/sup> Credit Card<\/strong>\n
Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n
Annual Fee:<\/strong>$0<\/b><\/div>\n
Show more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>
The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.<\/div>
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