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Chase issues seven credit cards that earn a travel reward currency called Ultimate Rewards. Not all Ultimate Rewards, however, are created equal.

This post will teach you:

  • the logistics behind moving Ultimate Reward points between accounts (your own, or between two people’s living at the same address)
  • how to turn water to wine, doubling the value of more than half of these Chase cards’ Ultimate Rewards via strategic point transfers

Step-by-Step

Step 1) Login to your Chase online account.

Step 2) Choose an account. At this stage, it doesn’t matter which one.

Step 3) On the following page, click the hamburger menu in the top left corner of the screen and a drop-down menu will appear. Scroll down and click Combine Points.

Step 4) On the left, choose the account you want to move points from. On the right, choose the destination account, or add a household member or spouse to transfer your points to. Chase’s pooling rule is that you either have to live together or be married to transfer points between two people’s accounts.

Step 5) On the following page, input how many points you’d like to move between accounts.

Step 6) Review the details on final page, and then click Confirm and Submit.

And you’re done!

Advantages of Combining Ultimate Reward Points

The obvious reason is to pool your points together in order to have enough for a specific mileage redemption. Let’s say you want to fly to Buenos Aires from the US Delta’s Business Class, which costs 45,000 Virgin Atlantic miles, and you have 20,000 points in your Chase Sapphire Preferred® Card account and 25,000 in your spouse’s Ink Business Preferred account. You’d need to first pool them all together in one of those two accounts (wouldn’t matter which), and from there transfer to the Virgin Atlantic Flying Club to book the award. If you each separately transferred your Ultimate Rewards to Virgin Atlantic, you’d need to pay fees to then pool your separate Virgin Atlantic miles (unless one of you is a Gold Elite member).

The less obvious but hugely valuable reason is to…

Boost Point Value Potential

The number one reason why you should combine your Ultimate Rewards is to increase their value. These are the credit cards that earn Ultimate Rewards, and how much their Ultimate Reward points are worth if redeemed directly from that account:

  • Chase Freedom Flex℠: 1 cent each in the form of cash back
  • Chase Freedom Unlimited®: 1 cent each in the form of cash back
  • Chase Ink Business Unlimited® Credit Card: 1 cent each in the form of cash back
  • Chase Ink Business Cash® Credit Card: 1 cent each in the form of cash back
  • Chase Sapphire Preferred® Card: either 1 cent each in the form of cash back, 1.25 cents each if redeemed towards travel booked through the Chase travel portal, or an estimated value (varies on which program you use and how you redeem) of 2 cents each when transferred wisely to an airline or hotel loyalty program
  • Chase Ink Business Preferred® Credit Card: either 1 cent each in the form of cash back, 1.25 cents each if redeemed through the Chase travel portal, or ~2 cents each when transferred to airline miles or hotels points
  • Chase Sapphire Reserve®: either 1 cent each in the form of cash back, 1.5 cents each if redeemed through the Chase travel portal, or ~2 cents each when transferred to airline miles or hotels points

Here’s the trick: You can transfer Ultimate Rewards earned by any of the above cards to any other of the above cards, as long as either both cards are in your name, or one card is held by you and the other held by someone you live at the same address as or are married to (or if it’s a business card, you also have the option to transfer to a business partner). And moving an Ultimate Reward point to a different Ultimate Reward account turns that point into the kind of Ultimate Reward in the destination account.

In other words, move your Chase Freedom Unlimited® points to your spouse’s Chase Sapphire Reserve® account and instead of being worth a measly 1 cent each cash back, it morphs into a more valuable Ultimate Reward point. That means you can at least redeem them for 1.5 cents each through the Chase travel portal or even more if you transfer to one of Ultimate Rewards’ airline or hotel loyalty program partners (like United, Singapore, British Airways, or Hyatt).

The Chase Freedom Flex℠, Chase Freedom Unlimited®, Chase Ink Business Unlimited® Credit Card, and Chase Ink Business Cash® Credit Card are marketed as cash back cards and various percentages back for spending. But if you apply the trick of moving the points earned by those cards to a premium card, they turn into that kind of Ultimate Reward.

Bottom Line

You can freely move Ultimate Rewards between all your Ultimate Reward accounts, as well as between your Ultimate Reward accounts and someone else’s in your household/spouse, by following the steps outlined above.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 60,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!


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