How to Combine Chase Points in Your Household

Moving points between your cards or to other members of your household can help you get better redemptions.
Dan Miller
By Dan Miller 
Updated
Edited by Jeanette Margle
How to transfer Chase Ultimate Rewards between cards

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Chase Ultimate Rewards® is one of the most popular rewards programs out there. Chase offers multiple credit cards that earn points and many ways to redeem them.

If you have more than one Chase credit card or if there is more than one Chase cardmember in your household, you may be able to transfer points between cards. This makes it possible to use your combined pool of points to book the trip you actually want to take — and that might not have otherwise been possible if you both had points to your name, but none sufficient to actually book what you need.

By combining points strategically in your household (particularly if one household member has a Chase Sapphire card), you may actually get more rewards or unlock more ways to redeem them. Here’s how:

Why combine Chase points in your household?

Transfer points to get up to 50% more value with certain cards

The value of Chase Ultimate Rewards® points varies depending on which card the points are attached to and how you redeem them.

🤓Nerdy Tip

Don’t get confused when Chase describes perks on the Chase Freedom Flex℠, Chase Freedom Unlimited® or other cards as “cash back.” That cash back comes to you first in the form of points, which you can redeem for credit card statements that erase a portion of your credit card balance. For example, the 20,000 Chase Ultimate Rewards® points you get as a welcome bonus with the Chase Freedom Unlimited® card are redeemable for $200 cash back. That comes out to 1 cent cash back per point.

With all of these cards (even the cash-back cards), pay you in Chase Ultimate Rewards® points, but they don’t all give you the same value when you redeem them. As shown above, a point earned through Chase Freedom Unlimited® is worth 1 cent, while a point earned with a Chase Sapphire Reserve® and redeemed in Chase's travel portal gets you 1.5 cents in value. That’s where transfers can pay off.

Chase Sapphire Reserve Credit Card
NerdWallet rating 

If you have a Chase Sapphire Reserve® card and you want to use your points for travel, you can transfer points from a lower level Chase card to your Chase Sapphire Reserve® card then redeem them for flights, hotels, car rentals and more at a value of 1.5 cents each, increasing their value by half.

Similarly, you can transfer points to a Chase Sapphire Preferred® Card then redeem them for travel at a value of 1.25 cents each.

Get up to 100,000 bonus points with our favorite Chase cards
Check out our nerdy picks for the best Chase credit cards and find the right card for you.

Transfer points to get more redemption options

Chase Sapphire Reserve®, Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card let you convert your points at a 1:1 ratio into the currency of more than a dozen different travel partners including United Airlines, Southwest, Air France, Marriott, Hyatt and IHG. Other Chase cards don’t.

By transferring your points from a cash-back Chase card to one of these three premium cards, you can move those points into an airline frequent flyer account or hotel loyalty account, combining them with an existing stash of miles or points to book your next vacation sooner.

Transfer points before closing a credit card

When you close a credit card account, you risk losing the points it has earned. But if you have another Chase card, you can preserve those points by transferring them.

How to transfer Chase Ultimate Rewards® between cards

The process of transferring Chase Ultimate Rewards® between cards is easy. Simply log in to your account and go to the Chase Ultimate Rewards® section. Select the card that you want to transfer points from and choose “Combine Points" from the left-hand navigation.

Select which card you want to move points from and to. Doing so will take you to a screen asking how many points to transfer. Enter the number of points you want to move, and that’s it — the transfer is instant.

How to merge Chase points with a family member

You’re allowed to combine Chase points within a household, but the process is less convenient than transferring between personal cards. To add a household member to your own account, you must call the customer service number on the back of your Chase credit card. From there, a Chase representative can help you add your household member’s Chase-branded card to your own account (so you'll need their account information, including name and credit card number, handy).

This small roadblock is just a one-time thing. Once your household member's account is linked via phone, it remains linked for future digital self-serve combine points redemptions.

But for families playing in what some might call , merging points with a family member is a brilliant move. For example, one spouse with a Chase Sapphire Preferred® Card card and one with a Chase Sapphire Reserve® might each earn points through their own spending. When they want to take a trip together, moving all the points into the account means all the points are worth 1.5 cents each when booked for travel through Chase.

Want to receive points from your household member instead of sending them? Have the other cardmember log in to their account and follow the steps above to add you as their transfer partner.

If you want to combine Chase points with a household member

The ability to transfer Chase Ultimate Rewards® makes this currency especially valuable. Because points tied to different Chase credit cards are worth different amounts, it’s usually a good idea to combine your points into the account with the highest value. After all, two wallets are better than one, and earning with your family members can really boost your points game.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Chase Cards from our Partners
Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
5.0
NerdWallet Rating
Rewards rate

1.5%-6.5%

Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Cashback

Intro offer

$300

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Points
Chase Freedom Flex

on Chase's website

Chase Freedom Flex℠
5.0
NerdWallet Rating
Rewards rate

1%-5%

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Cashback

Intro offer

$200

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

See more Chase cards
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