Aug 23, 2016, 12:58 pm
Last edit by: StartinSanDiego
Chase allows points earned with different cards, or by members of the same household, or owners of the same business, to combine points in one Ultimate Rewards account.
These are the rules for personal cards:
These are the rules for business cards. (All INK cards are business cards.)
Q: Ok, so I won't be violating any of the above rules. How do I combine or transfer my points?
A: Log in to your Chase Ultimate Rewards account. Click your point balance to reveal a drop down menu. Choose Combine points. You can then choose to move your points between your own credit card UR accounts, or "Add a Household Member" to transfer points to.
If you are experiencing technical problems combining points, please see Problems Combining UR points between accounts.
Combining is not the same as transferring. The rules for transferring to an airline or hotel program are subtly different. Those rules and procedures are discussed in another thread:
11.15.2015 Ultimate Rewards transfer ONLY to own & AU's airline/hotel accounts
These are the rules for personal cards:
Combine points with other Chase cards with Ultimate Rewards
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you or one member of your household.
Go to chase.com/ultimaterewards, call the number on the back of your card or visit a Chase branch to move your points.
You can't move points to another eligible card if either account is prohibited from earning or using points at the time you attempt to move the points.
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you or one member of your household.
Go to chase.com/ultimaterewards, call the number on the back of your card or visit a Chase branch to move your points.
You can't move points to another eligible card if either account is prohibited from earning or using points at the time you attempt to move the points.
These are the rules for business cards. (All INK cards are business cards.)
Combine points with other Chase cards with Ultimate Rewards
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, one member of your household, or your joint business owner, as applicable. If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account and you'll lose all your points.
You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, one member of your household, or your joint business owner, as applicable. If we suspect that you've engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you've misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you've already earned. If we believe you've engaged in any of these acts, we'll close your credit card account and you'll lose all your points.
Q: Ok, so I won't be violating any of the above rules. How do I combine or transfer my points?
A: Log in to your Chase Ultimate Rewards account. Click your point balance to reveal a drop down menu. Choose Combine points. You can then choose to move your points between your own credit card UR accounts, or "Add a Household Member" to transfer points to.
If you are experiencing technical problems combining points, please see Problems Combining UR points between accounts.
Combining is not the same as transferring. The rules for transferring to an airline or hotel program are subtly different. Those rules and procedures are discussed in another thread:
11.15.2015 Ultimate Rewards transfer ONLY to own & AU's airline/hotel accounts
Combining UR points from multiple card accounts [Consolidated]
Feb 15, 2018, 3:40 pm
#106
Join Date: Jan 2015
Location: KCGX
Posts: 144
Sorry. I was using Transfer and Combine terminology interchangeably. Probably shouldn't do that since it doesn't mean the same thing.
Also, I was under the impression combine function is only for certain cards (fee-based) and non-fee cards cannot combine UR with another person (even in same household). It seems that info is incorrect.
Also, I was under the impression combine function is only for certain cards (fee-based) and non-fee cards cannot combine UR with another person (even in same household). It seems that info is incorrect.
Feb 20, 2018, 8:44 am
#107
Join Date: Oct 2010
Location: Chicago, IL
Posts: 488
Ink cash point transfer
I am thinking of downgrading my Chase business plus to Chase Ink Cash to avoid annual fee. Anyway, can I transfer points earned from Ink Cash to Ink Preferred and vice versa? Meaning if I get 3x points from ink preferred, transfer to ink cash then I should get 3% cash back?
Feb 20, 2018, 9:09 am
#108
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Chase uses the word "Combine" to refer to moving points between card accounts. Chases uses the word "Transfer" to refer to moving points out of Ultimate Rewards to airline or hotel programs. Read the Wikipost at the top of this thread for an overview of the Combine process.
Feb 21, 2018, 6:55 am
#109
Join Date: Sep 2011
Posts: 1,857
I am thinking of downgrading my Chase business plus to Chase Ink Cash to avoid annual fee. Anyway, can I transfer points earned from Ink Cash to Ink Preferred and vice versa? Meaning if I get 3x points from ink preferred, transfer to ink cash then I should get 3% cash back?
Feb 27, 2018, 3:13 pm
#110
Join Date: Dec 2001
Location: Carlsbad,CA USA
Programs: Marriott Bonvoy Titanuim/Lifetime Platinum, Hilton Gold, United Silver
Posts: 1,534
If I am not an authorized user on my wife's Sapphire Reserve Card can I transfer the points on my Ultimate Reward Account associated with my Chase Freedom Card to her Ultimate Reward Account associated with her Chase Sapphire reserve account? If it makes a difference she is an authorized user on my Chase Freedom Card.
Feb 27, 2018, 5:30 pm
#111
Join Date: Sep 2011
Posts: 1,857
If I am not an authorized user on my wife's Sapphire Reserve Card can I transfer the points on my Ultimate Reward Account associated with my Chase Freedom Card to her Ultimate Reward Account associated with her Chase Sapphire reserve account? If it makes a difference she is an authorized user on my Chase Freedom Card.
Mar 3, 2018, 4:27 pm
#112
Join Date: Aug 2007
Location: NYC
Posts: 302
Transfer Chase points from parent to son?
Hey, any thoughts on transferring points from a parent to their son? Same last name, but different addresses. Son has parent's address as a secondary address on their account (as it was their prior address). Would Chase have a problem with that?
Mar 4, 2018, 5:29 am
#113
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
https://www.chase.com/index.jsp?pg_n...ateRewards_FAQ
Mar 19, 2018, 1:46 am
#114
Join Date: Oct 2014
Posts: 80
I'm honestly still confused. If you have personal and business cards can you move points between the two sides? And if so and you have spouse Y and joint business owner Z (different from Y), can you move points to both Y and Z or only one of Y and Z?
Mar 19, 2018, 5:52 am
#115
Join Date: Sep 2011
Posts: 1,857
Spouse biz -> Spouse Personal -> My biz -> My Personal
At the end of this exercise, all UR points are on my personal CSR, which is where I want them.
Mar 19, 2018, 6:45 am
#116
Join Date: Oct 2014
Posts: 80
When combining points between logins, move your points in a straight line to avoid issues. This is how I do mine each month:
Spouse biz -> Spouse Personal -> My biz -> My Personal
At the end of this exercise, all UR points are on my personal CSR, which is where I want them.
Spouse biz -> Spouse Personal -> My biz -> My Personal
At the end of this exercise, all UR points are on my personal CSR, which is where I want them.
Mar 19, 2018, 8:08 am
#117
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Not directly. The software will only allow you to link a UR account to one other UR account for Combining purposes. In principle, I think it may be possible to indirectly do what you want through a multi-step transfer to your spouse, if you also have personal cards accessed from the same chase.com login, but I do not have my cards setup that way to test.
Mar 19, 2018, 9:13 am
#118
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
Not directly. The software will only allow you to link a UR account to one other UR account for Combining purposes. In principle, I think it may be possible to indirectly do what you want through a multi-step transfer to your spouse, if you also have personal cards accessed from the same chase.com login, but I do not have my cards setup that way to test.
Mar 19, 2018, 12:12 pm
#119
Join Date: Feb 2003
Location: On strike
Posts: 8,135
When combining points between logins, move your points in a straight line to avoid issues. This is how I do mine each month:
Spouse biz -> Spouse Personal -> My biz -> My Personal
At the end of this exercise, all UR points are on my personal CSR, which is where I want them.
Spouse biz -> Spouse Personal -> My biz -> My Personal
At the end of this exercise, all UR points are on my personal CSR, which is where I want them.
In other words, it's a fixed chain.
Mar 19, 2018, 12:26 pm
#120
Join Date: Oct 2014
Posts: 80
@pallhedge @mia @serpens @beltway, thank you for your explanation! So something like this might work?
spouse personal -> my personal -> my business -> joint business owner -> joint business owner's personal
(The fact that it's static and unidirectional makes things irreversible but it achieves 90% of the goal.)
spouse personal -> my personal -> my business -> joint business owner -> joint business owner's personal
(The fact that it's static and unidirectional makes things irreversible but it achieves 90% of the goal.)