Chase Ultimate Reward points are one of my favorite types of points because they are transferable to hotel and airline partners including United, British Airways, Singapore Airlines, Southwest, Hyatt, Marriott, IHG Rewards, and more. You earn points by obtaining and using Ultimate Rewards earning cards and then the points sit safely in your Ultimate Reward account until you want to use them. You can then transfer them 1:1 to any of those travel partners – some even transfer instantly.
Most who read blogs like this already know you can transfer Ultimate Reward points to hotel and airline reward accounts, but did you know that you can also transfer points to another Ultimate Rewards cardholder?
Before I get into the how, I want to share some of the program rules since sharing points outside of the program rules can lead to “Chase suspending your participation in the Ultimate Rewards program and forfeiting any points you’ve earned.” Some folks were essentially selling points and then transferring them to another Ultimate Rewards cardholder which led to reports of Chase cracking down on transfers a year or so ago. Even though it functionally may work, I do not recommend transferring points to anyone outside of the program rules as this has ended badly for some folks, even if they weren’t actually selling the points.
Account-to-Account Point Transfers:
Transfers may only be used to combine rewards belonging to the same individual or business in the Program; or for the purpose of enabling spouses or domestic partners to combine rewards earned in their respective names.
This means if you have a Freedom card that earns points that could otherwise not be transferred to hotel and airline partners, but your spouse or domestic partner has say a Chase Sapphire Preferred® Card or Ink Bold® Business Card that does allow Ultimate Reward points to be transferred to hotel and airline partners, you can transfer your points to your spouse. Your spouse/domestic partner can then transfer the points to the hotel or airline partner of your choice.
To transfer, first make sure you are in the Ultimate Rewards account of the account you want to transfer out of.
Then select “Earn Faster” from the top menu and then select “Combine Points” as a drop down option.
Next, select which account you want to transfer from and then select other and enter the credit card number and last name of the account you want to transfer into. You can transfer points in increments of 1,000 points.
The test transfer I did was instant and we were able to successfully move points from my Freedom account to my husband’s Chase Sapphire Preferred account.
This transfer ability can be a useful way for families to earn and combine as many Ultimate Reward points as possible while at the same time avoiding as many annual fees as possible.
I’m thankful that Chase allows families to share points in this way! Has your family ever utilized the combine points feature?