How to transfer chase points

Chase Ultimate Rewards are some of the most flexible and valuable credit card rewards available. Once you learn how to transfer Chase points, you can do even more with them.

What many people don’t realize is that the Ultimate Rewards program allows you to transfer points between Chase credit cards, giving you the option to combine points on the same Chase card account or combine points with another member of your family. You can even transfer your Chase Cash Rewards, earning 100 Ultimate Rewards points for every dollar transferred.

Chase premium travel credit cards offer even more transfer options, including the ability to redeem your points for travel with Ultimate Rewards, and the ability to transfer your points to popular travel loyalty programs.

Want to know more? Let’s see how to transfer points between Chase cards, how to transfer Chase points to another person, and how to get the most out of your Ultimate Rewards points in general.

How to transfer chase points

To another Chase account

To transfer Chase points to another Chase credit card, log into your Chase account and look for the Redeem Rewards option. The Ultimate Rewards portal will open.

Once you’re in the Ultimate Rewards portal, use the points menu to select “Merge Points”. Enter the credit card number and cardholder name of the account you wish to transfer points to. Verify that the account belongs to you, your family member, or your business owner (if you are transferring points from a corporate credit card). Then select “Continue” to complete the process.

To another Chase cardholder

If you would like to know how to transfer Chase Points to another person, follow the same steps as above: Log in to your Chase account, select Redeem Rewards, open the Ultimate Rewards portal and select Merge Points from the points menu. “. Enter the account number and last name of the other person, confirm that they are a member of your family, and select Continue to complete the process.

To the airline or hotel bonus program

If you have a Chase credit card that allows you to transfer points to an airline or hotel rewards program, start by logging into your account and selecting Redeem Rewards. From there, use the Ultimate Rewards points menu to select “Transfer to Travel Partners”.

You will be able to transfer Chase Points to Southwest, United or any other travel loyalty program currently partnering with Chase Ultimate Rewards.

Why transfer Chase points?

One of the best ways to manage your Ultimate Rewards points is to transfer points between Chase cards.

If you have 1,000 Ultimate Rewards points on one Chase credit card and 500 points on a second Chase credit card, combining these points gives you 1,500 Ultimate Rewards points to spend on a credit statement, travel purchase, or any other redemption options offered by Ultimate Rewards. .

If you have a cash-back Chase credit card, you can get your money back into points by transferring it to a Chase card that earns Ultimate Rewards points. You will earn 100 points for every dollar you transfer.

Select Chase credit cards also allow you to convert your Ultimate Rewards points into travel loyalty programs at a 1:1 rate, which can be a great way to take advantage of a free hotel stay or earn your way to a free flight.

Where can I transfer Chase points?

All Chase cardholders can transfer Chase Ultimate Rewards points between two active Chase credit card accounts. Chase cardholders can also transfer points to another Chase credit card account in the same household.

If you have a Chase premium credit card such as Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred® Credit CardYou can also transfer points to many popular travel loyalty programs, including 11 frequent flyer programs and three hotel programs.

Tips for making the most of transfer points

Want to learn more about how to transfer Chase points? Here are our tips for getting the most out of your next points transfer:

• Before booking your next trip, transfer points to Chase Sapphire Preferred or Chase Sapphire Reserve cards. When you use Chase Sapphire Preferred to book your Chase Ultimate Rewards travel, your points are increased by 25%. When you use the sapphire reserve, the value of your points is increased by 50%. This means that 50,000 points can cost $625 to travel with Sapphire Preferred and $750 with Sapphire Reserve.
• Combine household points before making a major purchase. If you would like to redeem your Ultimate Rewards for a major purchase, please consider combining your family’s Chase Rewards before making any purchases. For example, if you’re considering buying a new iPhone, you and your spouse or partner can combine cashback or points in one account and use the points in the Apple Ultimate Rewards store.
• Know which repayment options benefit you the most. Before spending transferred points, take the time to find out which redemption options offer the most value. According to Chase, 100 points are worth a dollar when you redeem them for cash or gift cards, but those same points are only worth $0.80 when you redeem them through Chase Pay.
• Look for bonus options to earn more points or offers that increase the value of your points. Chase signup bonuses are some of the best in the industry, but they’re not the only Ultimate Rewards bonuses. For example, you can earn up to 25 bonus points per dollar when you shop through Chase. The next time you log into Chase Ultimate Rewards, find out if there is a way to earn more points or increase the points you already have.

Should I transfer my Ultimate Rewards?

If you have multiple Chase credit cards, pooling your Ultimate Rewards points into one account may be a smart move. In addition, when you transfer your Ultimate Rewards points to a Chase Sapphire Preferred or Reserve card, you have the option to increase the value of those points by using them to travel through Chase Ultimate Rewards.

If you and another family member earn Chase Points, pooling those points in one of your accounts can help you consolidate rewards for a trip, an Apple purchase, or another major redemption option. Don’t forget that you can turn your Chase Cash Back rewards into Ultimate Rewards points by transferring your money to a card that earns points.

The more you know about how to transfer points to Chase, the more value you can get from your points. Use these tips to help you with your next Chase Point transfer and see how far your Chase Ultimate Rewards Points can go.

Nicole Dicker is a freelance writer specializing in personal finance and habit formation. She spent five years as a writer and editor on The Billfold, a personal finance site where people talk candidly about money, and she regularly teaches classes on how to increase your income as a freelancer.