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 
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 gets you more than just the opportunity to pool points to redeem rewards faster.

If you combine points strategically in your household, you can actually get more rewards or more ways to redeem them. Here’s how.

Why combine Chase points in your household?

Transfer points to get up to 50% more value

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.

So 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 the Chase travel portal gets you 1.5 cents in value. That’s where transfers can pay off.

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.

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 do a Chase Ultimate Rewards® transfer between cards

To transfer Chase Ultimate Rewards® between cards, log in to your account and then go to the Chase Ultimate Rewards® section. Select the card that you want to transfer points from. Then, in the left-hand navigation, choose “Combine Points.”

Then, select which card you want to move points from and to. Then you will be taken 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. For example, one spouse with a Chase Sapphire Preferred® Card card and one with a Chase Sapphire Reserve® can each earn points through their own spending. But when they want to take a trip together, moving all the points into the Chase Sapphire Reserve® account means all the points are worth 1.5 cents each when booked for travel through Chase.

To transfer points to a member of your household, log in to your account, go to the Chase Ultimate Rewards® section and select the card that you want to use. In the left-hand navigation, choose “Combine Points.” Select “Add a Household Member” and you’ll arrive at a screen that guides you to adding a new member.

You’ll enter the last name and credit card number of your household member, then you can transfer points immediately.

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.

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 2023, including those best for:

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