Step by step: How to transfer Ultimate Rewards points to another card

A reader recently asked how you can transfer Ultimate Rewards points between Chase cards. Chase doesn’t make this terribly obvious, so today’s post contains a step-by-step guide.

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

Why transfer Chase Ultimate rewards?

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 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, you can make your points more valuable by transferring them to the Sapphire Preferred.

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

Here’s a little bit more about Chase Ultimate Rewards card 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 Ultimate Rewards
• 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 chase.com 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 Chase.com. 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