If you have more than one Chase credit card, there are a few reasons to combine or transfer Chase Ultimate Rewards points between accounts.

1) You are closing one of your Chase credit card accounts.  If you close a Chase credit card, you will lose your Ultimate Rewards points unless you use them or transfer your points to another Chase credit card account that earns Ultimate Rewards points.

2) To transfer points from a no-annual fee credit card account to a premium credit card account.  As most of you are aware, not all Ultimate Rewards points can be directly transferred to airline and hotel partners. Only “premium” cards (Chase Sapphire Reserve, Chase Sapphire Preferred, Ink Plus, Ink Business Preferred) let you directly transfer your Ultimate Rewards points to a travel partner.  However, if you have a premium card, you can indirectly transfer Ultimate Rewards points from no annual fee cards (FreedomFreedom Unlimited, Ink Classic (no longer offered to new applicants) and Ink Cash) by moving your points into that account first.

For example, you cannot transfer Ultimate Rewards points from your Freedom account to an airline or hotel program. However, if you have another premium Chase credit card which allows transfers to an airline or hotel partner such as the Chase Sapphire Preferred card, you can transfer (or combine) points from your Freedom account into your Chase Sapphire Preferred account and then transfer from your Chase Sapphire Preferred to airline and hotel partners.

3) To transfer Ultimate Rewards points to another person’s credit card account.  You are allowed to transfer Ultimate Rewards points to another person but only to one member of your household or owner of the company (for business cards). One reason to do this is if only one member of your household has a premium card that allows transfers to travel partners.

How to Combine or Transfer Chase Ultimate Rewards Points to Another Account

Following is a guide on how to transfer Chase Ultimate Rewards points between accounts -Chase calls this combine points.

Here are the steps to transfer your Ultimate Rewards points between credit card accounts:

Visit the Ultimate Rewards website.  You can either access it by clicking on your Ultimate Rewards points balance while logged into your Chase account or log in directly at ultimaterewards.com.

You will be presented with the Ultimate Rewards points balances of all your credit card accounts and you can click on any credit card account. (It does not matter which account you click on first.)

To transfer points, click on your Ultimate Rewards balance on the top right side and then select “Combine Points” at the bottom of the dropdown.

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You will be taken to another screen with all your Chase credit card accounts.  You will see two columns: “Move my points from” and “Move my points to” as well as a list of the balances under each one.

How To Transfer Chase Ultimate Rewards Points between accounts

On the bottom right, you will also see the account of your saved household member if you have already saved it or a spot to save it so you can make a transfer to another person.

I have a separate login in for personal and business cards so I only see my personal cards.  However, I can easily add a business card account here.  Another option is to call Chase and combine both personal and business accounts under one login.

Pick the accounts you want to move points to and from and hit continue.  You will then be taken to a screen to pick the amount of points you want to move. There is no minimum amount in order to move points.

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The final screen will ask you review your details and confirm & submit your transfer.

How To Transfer Chase freedom Ultimate Rewards points to sapphire or ink

Transfers between accounts are instant.  If you made a mistake or need more points, it’s not a big deal.  You can freely move points back and forth between your various credit card accounts any time. If you moved points to a member of your household, they can log into his/her own account to move those points back to you.

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