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I’ve talked a lot about Chase Ultimate Rewards including how to earn them and how to redeem them. But did you know that you can also combine Chase Ultimate Rewards points by transferring them between your own cards and to your spouse or household member? The ability to combine Chase Ultimate Rewards points is just another reason I always recommend the Chase Sapphire Preferred and the Chase trifecta to new points and miles enthusiasts. Here, I’ll walk you through the simple process to combine Chase Ultimate Rewards points.
How To Combine Chase Ultimate Reward Points Between Your Own Accounts
First, log into your account at Chase.com. Scroll down to the very bottom of the left column until you see “Ultimate Rewards” and your point balance. When you mouse over the box the words “use your points” will appear. Click the box to be redirected to the Chase Ultimate Rewards portal.
On the next screen, select the Chase Ultimate Rewards card you’d like to access. It doesn’t matter which card you select at this stage.
In the upper right hand corner, hover over your point balance and a drop down menu will appear. Click “Combine Points” at the bottom of that menu.
Now select the card you want to transfer from on the left and transfer to on the right. Then click “Continue”.
On the next screen, select the amount of points you want to transfer. You can transfer any amount of points between your cards. I always transfer points to my Chase Sapphire Reserve since I get the best redemption value and I can transfer points to travel partners with that card. (The image above is a transfer from Chase Sapphire Reserve to Chase Freedom Unlimited which I don’t recommend.)
After you’ve selected the amount of points you want to transfer, click review, review all the details on the next page, then click confirm and submit. Transfers occur instantly.
How To Combine Chase Ultimate Rewards With Your Spouse or Household Member
Repeat the same process to transfer points to your spouse or household member, but when you get to the “Combine points” screen, select “Add household member”.
On the next screen, enter the Cardholder’s Account Number and Last Name then click the box to certify the card belongs to a member of your household.
Make sure you read the fine print before you click continue:
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.
Once you’ve completed this process, their card will appear on the “Combine points” screen and will remain there in the future.
Now pick-up where you left off above. Select the cards you want to transfer between, select the amount of points, review, and submit.
Double Up on Chase Ultimate Rewards With Your Spouse
Since you can easily transfer points to your spouse or a member of your household, you can double up Chase Ultimate Rewards by applying for the same credit cards. Or for any one of the Chase Ultimate Rewards earning cards. This is how you can quickly obtain your Chase trifecta of the Chase Sapphire Preferred, Freedom Unlimited, and Freedom.
For example, I have the Chase Sapphire Reserve and Freedom Unlimited. My husband has the Chase Sapphire Preferred (which I previously had) and Freedom. We are both authorized users on our Freedom and Freedom Unlimited cards.
However, I don’t recommend you both sign-up at once since you will have to meet the minimum spending requirements twice. Just do it one after the other unless the sign-up bonus is really good. Adding your spouse as an authorized user for a sign-up bonus does not prevent them from signing up for their own account, but it will count against their 5/24 rule.
Final Thoughts On Combining Points and Doubling Up Chase Ultimate Rewards
Knowing how to combine Chase Ultimate Rewards is useful for three scenarios: when you want to convert Freedom or Freedom Unlimited cash back points to Chase Ultimate Rewards travel points, when you’re closing an account, or when you want to stockpile points to redeem for travel either through the Chase Ultimate Rewards portal or through a travel transfer partner.
Although the Freedom and Freedom Unlimited are cash back cards, they earn Chase Ultimate Rewards points. As cashback points, they are worth 1 cent per point. As travel points, they are worth at least 1.25 cents per point with the Chase Sapphire Preferred or 1.5 cents per point with the Chase Sapphire Reserve.
When closing an account, make sure you transfer your Chase Ultimate Rewards points to an account you’re keeping, to your spouse, or to a transfer partner. Otherwise, you will lose the points associated with that card.
Once your Chase Ultimate Rewards points are in the same place, you’ll easily be able to redeem them for (nearly) free travel through the Chase Ultimate Rewards portal or through a transfer partner.
As always, you can find my referral links to Chase Freedom, Chase Freedom Unlimited, Chase Sapphire Preferred, and Chase Sapphire Reserve here. When you use my link, you get the sign-up bonus listed and I get the commission listed. This helps me provide content for this site. You don’t have to use my links, but I certainly appreciate it when you do.
Once you’ve pooled all of your Chase Ultimate Rewards points, you’ll quickly be on your way to your next bucket list destination!