transfer chase ultimate rewards points between accounts

I recently answered the question “Which credit card should I get first?” and the answer was; the Chase Sapphire Preferred credit card. The main reason for my answer is due to the strict Chase 5/24 rule which means Chase generally doesn’t approve people for certain credit cards if they’ve applied for more than five credit cards in the past 24 months. In this post I’ll discuss how to transfer Chase Ultimate Rewards points between accounts. But before I do, let me summarize some of the benefits of the Chase Sapphire Preferred card:

which card should i get first

  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
  • Earn 2X points on dining at restaurants
  • Earn 2X points on all travel
  • 1:1 point transfer
  • $0 Introductory Annual Fee the first year, then $95

Now after you earn all these points from the sign-up bonus and your spend in bonus categories; it’s time to spend them. One way of using these points is to transfer them to partner airlines and hotel chains. However, sometimes you may not have all the necessary points for the award you’re looking to book in your account alone.

A great perk of Chase Ultimate Rewards points is that you can transfer the points between your own accounts, such as from your own Chase Freedom card to your own Chase Sapphire Preferred card. You can also, transfer Chase points between accounts within your household.

Here are the terms according to Chase:

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account and you’ll lose all your points.

How to Transfer Chase Ultimate Rewards Points between accounts?

transfer chase ultimate rewards points between accounts

  • Click on combine points
  • If you have more than one Ultimate Rewards points earning credit card you’ll find that you’ll be able to chose to transfer points between your accounts as well as other people in your household. If you have only one Ultimate Rewards points earning credit card you’ll find that you’ll only be able to transfer points to other people in your household.
transfer chase ultimate rewards points between accounts
Since I only have the Chase Freedom card; I can only transfer points to my wife
  • Choose who you want to transfer points to, then enter the number of points you want to transfer.

transfer chase ultimate rewards points between accounts

transfer chase ultimate rewards points between accounts
Points transfers are final. However, if needed, you can transfer points back in a separate transaction
  • Done!

transfer chase ultimate rewards points between accounts

Bottom Line:

I’ve always believed that transferable points (points that allow you to transfer points directly to their airline or hotel partners) are the most powerful type of points due to their flexibility. But if you can also transfer these points between yourself and your spouse or other members in your household, that makes them even more powerful. That’s because if you needed 40,000 Hyatt points to book a couple of free nights and you have 20,000 Chase points and your spouse has 20,000 Chase points; you can combine your points and transfer all 40,000 points to one Hyatt account and complete your booking.


If you have any questions comment below or tweet me @pointspointers or email me at