FlyerTalk Forums Expert How-Tos and Guides
This thread is for discussing the mechanics of points transfer: qualifying Chase cards, eligible partners, and typical speed of transfer. For advice on which partner to transfer to for a given travel goal, see Ultimate Rewards - Which airline/hotel should I transfer points to? and the master threads compiled there.
For the pre-2017 version of this thread, go here. Q. Can I transfer UR points to airline/hotel programs? A. Yes, but only from a UR account tied to one of the following premium (i.e., fee-based) Chase cards:
Holders of non-premium Chase UR cards,
Q. What airline or hotel programs can I transfer UR points into? A. UR points may be transferred at no charge to these airline programs at a 1:1 exchange rate: ONEWORLD
Transfers to Amtrak were previously available, but ended permanently on December 8, 2015. See Announcement regarding Chase Ultimate Rewards. Q. Are transfers instant? A. In many cases, yes, although transfers to at least one partner (Marriott) may take several days. A summary:
Q: After I transfer, when will my miles expire at that airline/hotel program? Is there anything I can do to avoid expiration there? The Miles/Points that Do and Don't Expire wiki now lists all of the above Chase UR airline/hotel transfer partners and their respective expiration policies. Q. Can I transfer to another person's airline or hotel program account? A. Ultimate Rewards rules explicitly permit transfers to a spouse or domestic partner's frequent traveler account, and prohibit all other transfers. On November 13, 2015, Chase announced the further complication (and perhaps additional restriction) that effective November 15, 2015, as a holder of a UR-earning business card "you can only transfer points to yourself or an owner of the company who is listed as an authorized user on your card account." For discussion of this policy statement and its impacts, see this thread. Transferring UR points from one household member to another's FF account: If, for instance, you'd like to transfer UR points from your spouse to your United Airlines account, here are the rules: To transfer directly from [her] UR account to your UA account you would have to be members of the same household -and- you would have to be an Authorized User on [her] Chase card account. Points can only be transferred to yourself, or one additional household member who is listed as an authorized user on your card account. Once you transfer points to an authorized user, that person will be the only authorized user on your account eligible to receive point transfers. Combining UR point accounts: To combine points from a UR account with your UR account you would have to be members of the same household. Here are the rules: You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. 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. I heard that Chase has closed accounts for unauthorized transfers. What's the story? A. Those reports involve sharing (aka combining) points from one Ultimate Rewards account to another Ultimate Rewards account. Ultimate Rewards rules explicitly permit combining points with a spouse's or domestic partner's UR account, and prohibit all other internal sharing of UR points. See this thread: Chase closed my Sapphire Preferred account due to transfers to other UR accounts. Credit card and rewards accounts may also be closed if Chase decides to close your personal or business bank accounts for any reason. |
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