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]
Dec 6, 2018, 4:26 am
#226
Join Date: Sep 2017
Posts: 332
Chase Sapphire Reserve
When I apply and get my card can I combine all my cards immediately (business included ) so that all my points are together, before I meet the msr?
Because part of my MSR is going to be booking some travel. Also do referrals still work in that I can use a family ref and they get points?
thanks
Because part of my MSR is going to be booking some travel. Also do referrals still work in that I can use a family ref and they get points?
thanks
Dec 14, 2018, 12:24 pm
#228
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
My Chase online account apparently got locked last night/this morning for security reasons. After getting transferred to their senior fraud team, I found out they had concerns about this month's transactions combining my Freedom and Freedom Unlimited points to my Sapphire Reserve. They had no issues unlocking my account after I verified that I did it, but now I'm kinda wondering if I should combine less often than once a month per card. 
Dec 14, 2018, 3:08 pm
#229
Join Date: Aug 2015
Location: SFO
Programs: AS 75K (OW), SK Silver (*A), UR, MR
Posts: 3,347
Dec 14, 2018, 3:14 pm
#230
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Dec 14, 2018, 8:15 pm
#231
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Moderator action
Question about transferring points to spouse's UA account moved to this thread:
http://www.flyertalk.com/forum/chase...-accounts.html
http://www.flyertalk.com/forum/chase...-accounts.html
Last edited by mia; Dec 15, 2018 at 8:31 am
Dec 15, 2018, 9:50 am
#232
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
RNE, opining that Chase did not level with you.
Jan 2, 2019, 3:56 am
#233
Join Date: Sep 2017
Posts: 332
When I apply and get my card can I combine all my cards immediately (business included ) so that all my points are together, before I meet the msr?
Because part of my MSR is going to be booking some travel. Also do referrals still work in that I can use a family ref and they get points?
thanks
Because part of my MSR is going to be booking some travel. Also do referrals still work in that I can use a family ref and they get points?
thanks
Jan 2, 2019, 7:05 am
#234
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The decision to pay for a specific trip with money, rather than redeem points, has no bearing on the separate decision to combine points. I combine points from all of our cards into a single account each and every month as soon a statements are generated.
Last edited by mia; Jan 2, 2019 at 7:21 am
Jan 18, 2019, 4:50 pm
#236
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Jan 18, 2019, 6:16 pm
#237
Join Date: Aug 2015
Location: SFO
Programs: AS 75K (OW), SK Silver (*A), UR, MR
Posts: 3,347
Jan 18, 2019, 7:02 pm
#238
Community Director Emerita
Join Date: Oct 2000
Location: Anywhere warm
Posts: 33,747
There was a rumor last year that Chase was going to do away with the ability to merge points. That was a compelling reason to merge. That apparently has been disavowed by Chase, at least for the moment. Still, I like to move my points out of my Freedom account on to my Sapphire account. I'm reducing risk of a benefit suddenly disappearing.
Jan 19, 2019, 7:55 am
#239
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
ALSO, we have an entire thread recounting problems encountered when trying to Combine points....
Problems Combining UR points between accounts
Combining every month tests our accounts to verify that they are not affected by any of the several problems, and allows time to solve. I would rather do this when I do not "need" the points, than when I am working against a deadline.
Problems Combining UR points between accounts
Combining every month tests our accounts to verify that they are not affected by any of the several problems, and allows time to solve. I would rather do this when I do not "need" the points, than when I am working against a deadline.
Feb 15, 2019, 8:04 am
#240
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,943
My father has UR points from a CSR that he will never use. If I am an AU on his account but am not a "household member" (different addresses), can he still transfer to me? Would the points go on that AU account (and could I transfer to say UA from there) or could they be then combined with my own UR points from my primary CSR?