Dr Jabadski

Please, indulge some rookie questions. I’ve had 8 Sapphire (Preferred or Reserve) accounts and 6 Ink (Cash or Plus or Bold) accounts with 1 open SP and 1 open Ink Cash. I understand that UR point balances for personal cards and business cards are separate and distinct but easily combined.

I’ve rarely had 2 open personal accounts (at the same time) or 2 open business accounts (at the same time) so I don’t recall if UR points are displayed separately or as 1 total balance (for multiple personal or multiple business accounts). When one has 2 (or more) open personal UR accounts does the UR balance(s) get displayed as one number or as 2 numbers? When one has 2 (or more) open business UR accounts does the UR balance(s) get displayed as one number or as 2 numbers?

Thank you.

Steve in Olympia

I am not sure what significance you attach to the word "display." If you have multiple cards, your total UR points are shown on your home page, but once you click on that total, a page opens that shows each card (and the UR points associated with that card), and you have to select the card you wish to access. You cannot access the total (unless all of your points are on one card). The "display" is for information purposes only.

Dr Jabadski

Thank you Steve in Olympia. You’re correct, by “display” I was referring to the number on the home page.

Re: “… cannot access the total (unless all of your points are on one card).”, are you implying that separate card (UR) balances can be combined and then access the total?

Thanks again.

SanDiego1K

I have several Chase cards, both personal and business, on which I earn UR points. I can easily combine the points via the Chase website and have them moved to any card I choose. I generally do this once a month.

mia

Every individual card has its own UR balance. How the aggregate balance is displayed depends on how many cards are linked to the same Username. If you had a separate Username for each card, there would be no aggregate display. If you had all the cards linked to one Username, your total balance would be displayed. You can move points between card, even if they are not linked to the same Username. Chase calls this process "Combine" -not- "Transfer". Combine is a self service menu option. If it doesn't work, you need this thread: Problems Combining UR points between accounts

Dr Jabadski

Thank you SanDiego1K and mia. I should know all that, sorry for the naïve questions, brain flatulence. Considering a Freedom Unlimited for the first time.

(TMI rationale: Based on now having lower withholding and choosing to pay taxes with CC my CC spend has increased dramatically and due to anti-churning policies I now have significant CC spend beyond SUBs. So I’m looking for a CC that earns more than 1% in points or miles other than Delta/Hilton/IHG/Marriott. I don’t desire cash-back, I’m a complete points and miles monger. I usually max out AmEx BBP, AmEx Plat 1.5% is expensive and only for individual charges over $5,000, so I’m thinking about a Freedom Unlimited for the first time in over 30 years of churning including 10 years of reading FT and thus much more active churning.)

Thanks again SanDiego1K and mia and FlyerTalk.

mia

Citi Double Cash. The 2% cash rewards can be converted to ThankYou points. If you want to transfer those points to an airline partner you would also need a Premier or Prestige card.

Dr Jabadski

Thank you mia, excellent idea and I’d be eligible for additional SUBs. I do not have an account with any current Citi TY partner programs and loathe opening another (new for me) loyalty program account. If I did (have a partner program account), I certainly would (apply for Citi TY cards).

I still have a note to myself from 5-6 years ago when I applied for 3 Citi TY cards within one year (transferred points at 1:2 to Hilton). Not sure if it’s still true but “Citi Prestige annual fee refund prorated at account close, apply end of year, 2 years airline credit, xfer points, cancel”.

(TMI again: I’m still kicking myself a little for opening Alaska (14 applications and 12 SUBs in the past 6 years) and Hawaiian (9 applications and 7 SUBs in the past 5 years) accounts a few years ago only because they had some of the few remaining credit cards that could still be churned with any decent frequency. With large balances and status in AA, UA and DL, I didn’t anticipate ever actually using Alaska or Hawaiian miles to book flights with Alaska or Hawaiian, they’re almost orphan miles for me which I hate because they make me feel like I’m leaving something on the table. My rationale was that I might use Alaska miles for Emirates flights and would use Hawaiian miles to add to my Hilton balance. With balances in those 2 programs I think that I must maximize their potentials and have submitted multiple CC applications which lead to irritating recon phone calls when I’m at a stage of life that I don’t enjoy or appreciate the whole CC application-recon phone call game as much as I used to. As I’ve written in the past, if there was an Antabuse for “CC SUB Addiction” I’d be the first to sign-up for it !)

Thanks again.

AJDem

Hmm, I'm having an issue with trying to transfer points from my account to my wife's. From what I have read, when I go to the "Combine Points" option on my dashboard, there should be an option under the card I want to transfer to to "Add a household member". But I have no such option anywhere on the page. The only options I have are to transfer from my CSP, CFU, and CF to either my CSP, CFU, or CF.
How do I transfer points to my wife?

beltway

Chase recently removed the self-service option for adding a send-to account. As discussed in the latest posts at Problems Combining UR points between accounts, you now have to call Chase to set this up.

WasKnown

Is there a limit to how many people we can claim live in one household (i.e. 4)? The billing addresses are all to the same house.

Stgermainparis

My father (different address/state) has a 3 year old CSR and plans to cancel before AF due in Sept bc of increased fee. Has 300k UR. I’m looking for the best strategy for transferring these points to myself. If he adds me as an AU, can he transfer to me? Does this count as a new account for me against 5/24? Somewhere along the way, my son had an AU on this account. If he still does, could the points be transferred to son and then son transfer to me at same address/household?

mia

The rules for Combining from a personal card stipulate that the recipient must reside in the same household. There is no mention of Authorized Users:

Stgermainparis

Thank you. Not sure why I thought an AU was an eligible transferee.

I’m thinking he should just downgrade then get a CSP later.

mia

The rules for Combining from business cards are different.