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Last month I explained that there are 4 different Ink cards, that there’s a Sapphire and a Sapphire Preferred card, and of course there’s Chase Freedom.

All earn Ultimate Rewards points, but not all of them let you transfer Ultimate Rewards points to airline miles and hotel points.

If you have a regular Sapphire, a Freedom, an Ink Cash or an Ink Classic your points do not transfer to other loyalty programs.

But as long as you also have one of the premium cardsSapphire Preferred, Ink Bold, or Ink Plus — you can combine points from those other cards, moving them over to the Sapphire Preferred, Ink Bold, or Ink plus account you have. And from there you can move the points to miles.

In so doing you can make those points a whole lot more valuable (because Chase Ultimate Rewards attached to a Sapphire Preferred, Ink Bold, or Ink Plus account are among the most valuable currencies).

You might also have a spouse that has one of these cards. You can move your points from your spouse’s account to yours, or vice versa.

Or perhaps you have a personal Sapphire Preferred and you also have an Ink small business card under a different username and you’d like to see all of oyour points together in one place.

Here’s how to do that.

Log into the Chase account you want to transfer points out of. Underneath your card account is an Ultimate Rewards logo and a link that says “Go to Ultimate Rewards” — click that.

Here’s the top left of the screen you’ll be presented with:

Click on “Manage Ultimate Rewards” and the menu will expand.

Click “Combine Points” and you will then get a popup box to appear:

The first box lets you select your account that has Ultimate Rewards in it that you are going to want to move out.

Then you can choose where you want those Ultimate Rewards to go.

If more than one Ultimate Rewards account is registered under the same login, you’ll be able to just select the other account from a drop down.

But if it’s a Chase card that’s registered with a different login — either because you’re moving between personal and small business accounts, or from a spouse’s account to your own, you’re going to need to enter the credit card number whose Ultimate Rewards account you want to transfer to and also the Last name of the cardholder of the destination account.

Then choose the number of points to transfer over — either all of them (first radio button) or a specific number (that you enter next to the second radio button).

Click next, confirm it on the next screen, and the points should move over instantly. That’s all there is to it.

A final thought. Don’t abuse this feature. It was intended to let you move points between your own accounts, or between accounts of spouses, but not to trade points.

While I haven’t seen recent reports of this, Chase has in the past shut down accounts of people who were transferring their points to other peoples’ accounts. They don’t make this feature available to facilitate trading among unrelated people. It’s a great option, so let’s be responsible.

(Note that cards in this post offer credit to me if you’re approved using my links. The content is not provided or commissioned by American Express, by Chase, by Citibank, US Bank, Bank of America, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.)


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  1. Davisson said,

    Also, if you have both the personal and business cards, you can combine all of the cards on the business account. Just call CS and have them do that. Once that is done, you can just transfer points back and forth at the account summary page.

  2. JP said,

    Can you transfer points (Hyatt in this case) to a parent or sibling who doesn’t live with you?

  3. jorge said,

    Had to do a double take…thought this was MMS for a second there…what with all the red arrows and hand-holding. Boy, oh boy…. must be a slow day at the office.

  4. beachfan said,

    In one sense, there are 8 versions, Visa and MC

  5. justSaying said,

    elementary watson

  6. Mark said,

    And lets now start the countdown until this feature is “enhanced” (ie eliminated). I’m taking bets…over/under January 15?

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