How to Transfer Chase Ultimate Rewards Points Between Accounts (And Why It’s Smart)

Shifting your Chase points around could set you up for a more valuable redemption.
May 6, 2022

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The Chase Ultimate Rewards® program is a popular credit card rewards program. If you have multiple Chase credit cards, you'd be wise to learn how to transfer points between Chase accounts. The process of transferring Ultimate Rewards® points between accounts is quick and easy. Not only is it simple to do, but it can be advantageous.

In fact, you may be able to increase the value of your Chase points by transferring them from one credit card account to another. Here are a few things you should know first:

  • There is no fee to combine Chase points.

  • There is no limit on the number of points that can be transferred.

  • Chase allows points to transfer back and forth between cards with the same primary cardholder, as well as to a different primary cardholder in the same household/address.

Eligible points-transfer Chase cards

Each of the three Chase credit cards that specifically earn Ultimate Rewards® points are eligible for points transfers.

How to transfer points between Chase cards

The steps to transfer Ultimate Rewards® to another card are straightforward.

1. Go to the Chase Ultimate Rewards® portal

Visit the Chase website or use the Chase mobile app to log in to your Chase account. Next, you’ll want to navigate to the Chase Ultimate Rewards® portal.

2. Choose the card that you want to transfer points from

Once in the portal, you’ll be prompted to select a Chase card. Choose the card you want to transfer your points from to begin the process. You’ll see the total available points for each card and other important details about each card.

3. Select the “Earn/Use” button and select “Combine Points”

Select the “Earn/Use” button to expand the left menu bar. Next, navigate to the “Combine Points” option — the last option on the menu. That step will take you to where you need to go to transfer your points between cards.

4. Select the cards you want to transfer points between

You’ll see all of your Chase cards displayed on the next screen. Select the cards you plan to transfer your points from and to so you can begin the process of combining them.

5. Choose how many points you want to transfer

You’ll need to decide how many points you want to transfer. You can transfer all of your available points on that card or enter a number of your choosing. Once you select how many points you want to move, select “Review.”

6. Review the transfer and select “Confirm & Submit”

The final screen serves as a confirmation screen. Ensure that all of the details are correct and if everything looks accurate, select the “Confirm & Submit” button. At this point, your points will be transferred over to the other card instantly.

It’s that simple. Now that you know how to transfer Ultimate Rewards® between accounts, you can transfer Chase points as often as you’d like.

Can you transfer Chase points to a spouse or friend?

You can transfer your Chase Ultimate Rewards® points to another person, like a family member or friend. Chase allows you to move points to another Chase card that you own or to another Chase card that belongs to a member of your household. Any other points transfers are prohibited.

Here’s an example of when it might be beneficial to transfer your Chase points to a household member's Chase card:

If you have the Chase Sapphire Preferred® Card, your points will carry a value of 1.25 points within the Chase Ultimate Rewards® portal.

However, with a Chase Sapphire Reserve® card your points carry a value of 1.5 points within the Chase Ultimate Rewards® portal. If your spouse happens to have a Chase Sapphire Reserve® card, you can transfer your points over to them and gain this extra value.

  • Chase Sapphire Preferred® Card: 100,000 points are worth $1,250 when redeemed through the Chase Ultimate Rewards® portal.

  • Chase Sapphire Reserve®: 100,000 points are worth $1,500 when redeemed through the Chase Ultimate Rewards® portal.

When you transfer Chase points to your spouse, you could increase the value of your points by $250. If you can do so, combining points and moving them to the higher-value card is a smart plan.

Why transferring Chase points between accounts can be a smart money move

You know how to transfer points between Chase accounts. But is it a good deal?

In a word: Yes. Here's why.

  • Increased value. By transferring points between Chase accounts, you could increase the value of your points. The value of Chase points varies depending on the card that you have and the redemption choice that you make. Some Chase cards offer more value when redeemed through the Chase Ultimate Rewards® portal, while other Chase cards offer less value when redeemed the same way. If you have multiple Chase credit cards in your wallet, transferring points to the card that offers the most value is the best way to make your points go further.

  • Pooled points. Consolidating points might make planning and booking your next trip easier. Once you have your Chase Ultimate Rewards® points moved over to the card that offers the highest value, you can book your trip quickly from one account.

The bottom line

A Chase points transfer between cards is easy and quick to do. Before your rush to redeem Chase points, consider your redemption plan and calculate the value of your Ultimate Rewards® points. You may be able to increase the value of your points by transferring them over to another Chase credit card that offers a higher-value redemption.


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