How to Combine Ultimate Reward Points


The ability to combine Ultimate Reward points is a huge selling point for the Chase Ultimate Rewards program. Chase allows you to combine points across all of your cards into a single card and combine points with a member of your household. If you have a business card you can combine those points with a member of your household and a co-business owner.

Combining Ultimate Reward points among your own cards or with a member of your household is super easy and quick. Here is exactly how you do it.

Step 1:

Log in to the Ultimate Rewards homepage. After logging in you will see this welcome screen. Click on the card you would like to transfer points from.

Ultimate Rewards welcome page showing your cards and points balance.

Step 2:

Next, click on the little arrow next to your points total, then click where it says “See All”. It says “See Less” in the picture but that’s just because I already clicked it. Then click on “Combine Points”.

Ultimate Rewards webpage showing where to click in order to combine points.

Step 3:

Click on the + to add a household member. If you don’t see this option then you will need to call the number on the back of your card and have Chase manually add the account you want to combine points with. They will be able to do that for you very easily. If you want to combine points among your own cards then select the cards you want to transfer from and to and skip down to step 6.

Ultimate Rewards webpage showing were to click to add a household member's card so you can transfer points to it.

Step 4:

Fill everything out using the information of the card you want to transfer points to. Check the box and then press continue.

Screenshot showing how to fill out the form to add another Chase cardholder to your account.

Step 5:

Now you will see the card added to your list of available cards. Select the card and click continue.

Screenshot showing a card successfully added.

Step 6:

Next you will be asked how many points you want to move. You can move all your points or a specified amount.

Webpage screenshot were it asks how many points you want to move.

Step 7:

Lastly you will confirm the transfer. And there ya go! The points should show up right away in the account they were transferred to.

Webpage screenshot were you review and submit an Ultimate Rewards point transfer.

Bottom Line

The ability to combine Ultimate Rewards is one of the great features of the Chase award program. Being able to combine your own points or those within your spouse makes it so much easier to book awards with. 

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  1. Rachel says:

    I have a question. I have both a Sapphire Reserve cc and a very old (circa 2010) Freedom card. I was planning to close my Sapphire card and want to transfer my points to my Freedom card. It looks like the Chase website will let me transfer my point to the Freedom card, but I have read some conflicting things online (i.e. I can’t transfer my sapphire ultimate rewards to my freedom card).

    Do you have any feedback for me?

    • Pam says:

      You can transfer your points to the Freedom but will lose the ability to transfer those points to transfer partners or to use in the portal. I would downgrade it to the Sapphire Preferred instead and then close it when it has been 48 months since you got the bonus and reapply for the Preferred to get the welcome offer again.

  2. Janelle Soco says:

    How long do you have to have a closed chase preferred account before you can open it again and receive the welcome offer?

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