How to Combine Chase Points in Your Household

Chase Ultimate Rewards® is one of the most popular rewards programs out there. Chase offers multiple credit cards that earn points and many ways to redeem them.

If you have more than one Chase credit card or if there is more than one Chase cardmember in your household, you may be able to transfer points between cards. This makes it possible to use your combined pool of points to book the trip you actually want to take — and that might not have otherwise been possible if you both had points to your name, but none sufficient to actually book what you need.

By combining points strategically in your household (particularly if one household member has a Chase Sapphire card), you may actually get more rewards or unlock more ways to redeem them. Here’s how:

Transfer points to get up to 50% more value with certain cards

The value of Chase Ultimate Rewards® points varies depending on which card the points are attached to and how you redeem them.

On the following cards, the points are worth just 1 cent each when redeemed through Chase's travel portal.

All of these cards (even the cash-back cards), pay you in Chase Ultimate Rewards® points, but they don’t all give you the same value when you redeem them. As shown above, a point earned through Chase Freedom Unlimited® is worth 1 cent, while a point earned with a Chase Sapphire Reserve® and redeemed in Chase's travel portal gets you 1.5 cents in value. That’s where transfers can pay off.

If you have a Chase Sapphire Reserve® card and you want to use your points for travel, you can transfer points from a lower level Chase card to your Chase Sapphire Reserve® card then redeem them for flights, hotels, car rentals and more at a value of 1.5 cents each, increasing their value by half.

Similarly, you can transfer points to a Chase Sapphire Preferred® Card then redeem them for travel at a value of 1.25 cents each.

» Learn More: How to redeem Chase Ultimate Rewards® points

Transfer points to get more redemption options

Chase Sapphire Reserve®, Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card let you convert your points at a 1:1 ratio into the currency of more than a dozen different travel partners including United Airlines, Southwest, Air France, Marriott, Hyatt and IHG. Other Chase cards don’t.

By transferring your points from a cash-back Chase card to one of these three premium cards, you can move those points into an airline frequent flyer account or hotel loyalty account, combining them with an existing stash of miles or points to book your next vacation sooner.

Transfer points before closing a credit card

When you close a credit card account, you risk losing the points it has earned. But if you have another Chase card, you can preserve those points by transferring them.

» Learn More: Will I lose my points if I cancel my credit card?

The process of transferring Chase Ultimate Rewards® between cards is easy. Simply log in to your account and go to the Chase Ultimate Rewards® section. Select the card that you want to transfer points from and choose “Combine Points" from the left-hand navigation.

Select which card you want to move points from and to. Doing so will take you to a screen asking how many points to transfer. Enter the number of points you want to move, and that’s it — the transfer is instant.

You’re allowed to combine Chase points within a household, but the process is less convenient than transferring between personal cards. To add a household member to your own account, you must call the customer service number on the back of your Chase credit card. From there, a Chase representative can help you add your household member’s Chase-branded card to your own account (so you'll need their account information, including name and credit card number, handy).

This small roadblock is just a one-time thing. Once your household member's account is linked via phone, it remains linked for future digital self-serve combine points redemptions.

But for families playing in what some might call two-player mode, merging points with a family member is a brilliant move. For example, one spouse with a Chase Sapphire Preferred® Card card and one with a Chase Sapphire Reserve® might each earn points through their own spending. When they want to take a trip together, moving all the points into the account means all the points are worth 1.5 cents each when booked for travel through Chase.

Want to receive points from your household member instead of sending them? Have the other cardmember log in to their account and follow the steps above to add you as their transfer partner.

The ability to transfer Chase Ultimate Rewards® makes this currency especially valuable. Because points tied to different Chase credit cards are worth different amounts, it’s usually a good idea to combine your points into the account with the highest value. After all, two wallets are better than one, and earning with your family members can really boost your points game.