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How to transfer Ultimate Rewards points to another card: Earn on one card and redeem on another

If you hold a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you have the ability to redeem Ultimate Rewards® points for elevated travel value or transfer your points to partners.

But you can transfer your Ultimate Rewards® between cards you hold, meaning you can earn points on one card and use the redemption options available on one of your premium cards.

Here’s our step-by-step guide that walks you through how to transfer your Ultimate Rewards points to another card.

Cards that allow transferring Ultimate Rewards® points between your own cards

These credit cards earn Ultimate Rewards® points. If you have any combination of these cards, you can transfer Ultimate Rewards® points between any or all of them.

Why transfer Chase Ultimate Rewards® between cards?

If you’re new to the Chase Ultimate Rewards®, you might be wondering what the point is of transferring points to another credit card. In short, different cards offer different point redemption options and transferring points between cards allows you to use the best redemption option available across all of your cards.

For example, if you hold a Chase Freedom Flex℠ card, you can redeem 10,000 points for a $100 cash back award. That’s not bad, but if you also hold a premium card like the Chase Sapphire Preferred® Card, you can make your points more valuable by transferring them to the Sapphire Preferred.

The Chase Sapphire Preferred® Card lets you redeem your points for 1.25 cents each toward travel. This means that 10,000 points on a Chase Sapphire Preferred® Card are worth $125 toward travel. When you transfer your Chase Freedom Flex℠ points to your Chase Sapphire Preferred® Card, suddenly your 10,000 Ultimate Rewards® points become worth $125 toward travel.

Spend on one card, redeem on another

Things start to get really interesting when you consider that different cards earn points at different dates. You can earn 5x points in rotating quarterly categories with the Chase Freedom Flex℠. You can also earn 3x points at drugstores. If you hold the Chase Freedom Unlimited®, you can get 1.5 points per dollar everywhere. There are also plenty of points to be had with Chase Ultimate Rewards welcome bonuses from Ink cards.

Rather than redeeming all of these points for cash back at 1 cent each, you can transfer them to your premium Ultimate Rewards® card and use them for better value redemptions.

Here’s a little bit more about Chase Ultimate Rewards card synergies.

Chase Ultimate Rewards® synergies

Chase Ultimate Rewards® card synergies

Chase Ultimate Rewards® points can always be redeemed for cash back rewards at one cent each. This makes 10,000 points worth $100. But your points can become even more valuable when you hold a premium Ultimate Rewards® credit card.

If you hold a Chase Sapphire Preferred® Card, Chase Sapphire Reserve, or Ink Business Preferred card, you have access to a handful of redemption options that can increase the value of your points:

  • Point transfers to airline and hotel partners
  • Increased value when you redeem for travel through Chase Travel℠
  • Pay Yourself Back options

To use the points you earned from your non-premium Ultimate Rewards® credit card for one of these redemptions, simply transfer your Ultimate Rewards® points to your premium Ultimate Rewards® credit card.

How to transfer your Ultimate Rewards points

Here is the step-by-step guide of how to transfer your Ultimate Rewards points. Chase Ultimate Rewards points can only be transferred between cards on the Chase website; you can’t transfer points between cards using the mobile app.

First, log into your account online at and select one of your cards that earns Ultimate Rewards points from the list of credit card accounts.

You will see the account info details panel with your current balance, credit line, and accumulated rewards points. Click on “Redeem >” next to the number of Ultimate Rewards points. This will take you to the Chase Ultimate Rewards website.

At the top of the site, you’ll see “Earn / Use” followed by the number of Ultimate Rewards points you have accumulated. Next to this heading, you’ll see an arrow to expand the menu. Click on the arrow to expand the menu. You’ll see something similar to the panel below. (You will see different redemption options, depending which credit card you have.) From this menu, click on “Combine Points.”

The combine point screen will display all of the Ultimate Rewards card that you’ve added to your account on Select the card you want to transfer you points from and the card you want to transfer your points to. If you have a lot of cards, you’ll need to scroll down and click “Next” at the bottom of the screen.

On the following screen, you’ll see the cards you just selected and a place to enter the number of points you want to move from the card on the left to the card on the right. Enter the number of points you want to move and click on “Review.”

Finally, you’ll see a confirmation screen, showing you the old and new point balances on each of your cards. If everything looks good, click on “Submit” to complete your point transfer. Points will transfer instantly and become immediately available on the other card.

Transferring points between household members

If you’re playing the points game with multiple players, like a spouse, roommate, or child, you can transfer Ultimate Rewards between your account, provided you live at the same address. Chase lets you transfer points between household members.

You’ll need to call Chase to link your accounts as a household member before transferring points. To begin the process, just call the customer service number on the back on your card. Ask the representative to add your household member’s Chase card to your account. You’ll need their information, including name, account number, and possibly verification information. Once this link is completed, you’ll be able to transfer points to and from their cards that are linked to your account.

Frequently asked questions

How do I transfer Chase points to transfer partners?

If you have a premium Ultimate Rewards credit card that charges an annual fee, you can transfer your points to one of Chase’s travel partners. Just go to your Ultimate Rewards account under the premium card to transfer points to travel transfer partners.

Can I transfer my Chase points to a friend?

Chase allows you to transfer points to a household member. See the section on “Transferring between household members” for more.

Can I transfer my Chase points to one of my Chase airline cards?

Chase Ultimate Rewards® points can only be transferred between credit cards that earn Ultimate Rewards® points. You can’t, for example, transfer your points to your United credit card. You can, however, transfer your points to United’s frequent flyer program if you hold a premium Ultimate Rewards credit card.

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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