Credit Cards

How to Transfer Chase Ultimate Rewards Points Between Personal Credit Cards [Rookie Wednesday]

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Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Do you have multiple Chase Ultimate Rewards cards on your account — but need to shift some points around to maximize a redemption?

Maybe you need to move some URs from your new Chase Freedom Flex to your Chase Sapphire Reserve so you can redeem them for 1.5 cents each for travel. Perhaps you want to use the nice welcome bonus from your new Chase Sapphire Preferred card to help pay off some charges on your Chase Freedom Unlimted. (There are several reasons why you’d transfer points — we’ll go over them sometime soon.)

Unlike American Express’ Membership Rewards program, Chase Ultimate Rewards doesn’t automatically pool all your points together. You have to transfer Ultimate Rewards points between cards.

But how do you do that?

It’s relatively simple. So if you’re new to Chase Ultimate Rewards points transfers, we’ve got you. 🙂

1. Log In to Your Chase Credit Card Account

Pretty self-explanatory. 🙂

2. Select One of Your Ultimate Rewards Cards

In this example, we’ll choose my Chase Freedom Flex card. The Ultimate Rewards transferred over when I product changed from the Chase Freedom card (which the gold “O” indicates is now closed).

I select my Freedom Flex card and the account information appears on the right side.

From there, we click “Redeem.”

Pick a Card, Any Ultimate Rewards Card!

You’ll then see this screen.

Select a Chase Ultimate Rewards card for point redemption.

For our example, I selected my Freedom Flex (the top option of the two cards above).

Burger Time Combination!

A new screen appears. Click the “hamburger” menu as indicated below.

Select the hamburger menu to begin redeeming Chase Freedom Flex Ultimate Rewards points.

That, in turn, produces a long menu of selections. Scroll down and select “Combine Points.”

Begin combining points between Chase Ultimate Rewards cards.

We’re getting there!

From Where to Where?

Here’s where you pick the card from which you’ll transfer points and the card that’ll receive them.

So in our example, I’ll transfer points from the Chase Freedom Flex to the Chase Sapphire Reserve.

Choose a Chase Ultimate Rewards card from which to transfer points and which card will receive them.

Then click “Continue.”

How Many Points?

You can move as many or as few points as you wish. (Yes, I tested it out for this piece — you can transfer just one point if you really want to.)

For our post, I decided to shift 1,000 Ultimate Rewards points from my Flex to my Reserve.

Select how many points you want to move between Chase Ultimate Rewards cards.

Then press “Review.”

Double-Check Your Work and Submit It!

Make sure your transfer request looks good.

Make sure everything looks good before transferring your Chase Ultimate Rewards points.

Everything appears A-OK. Click “Confirm & Submit.”

Confirmation

Chase confirms Ultimate Rewards points transfer!

Confirmation that Ultimate Rewards points were transferred from a Chase Freedom Flex card to a Chase Sapphire Reserve card.

Don’t worry if you come down with Transferer’s Guilt or realize you made a mistake. You can transfer the points back to your original card — or another Ultimate Rewards product on your account.

Final Approach

While Chase doesn’t make point-pooling as easy as Amex does, it’s still a fairly painless procedure to transfer Ultimate Rewards points between credit cards. As I mentioned, we’ll discuss soon why you’d maybe want to move points across cards.

Huge 80,000 bonus point welcome offer!

Chase Sapphire Preferred

  • Enjoy a whopping 80,000 bonus points after spending $4,000 in purchases within three months of being approved! Because Chase Sapphire Preferred card members can redeem points for a 25% bonus when booking travel through Chase, that’s potentially worth $1000 in travel.
  • Earn 5X points on Lyft through March 2022.
  • Earn 2X points per dollar spent on travel and dining purchases.
  • Receive unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass (DoorDash‘s subscription service).

–> Compare the Chase Sapphire Preferred to other cards and learn how to apply here. 

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

4 Comments

  1. Don’t forget you can also transfer between household members (same address) and combine points that way as well.

    • Do both family members need to have the premium or business cards ? If I have a sapphire but my daughter only has the freedom flex, can we transfer her points into my sapphire account? Thanks

  2. Rookie or not, you taught me something. I always thought transfers had to be in 1000 point increments, like transfers to partners. I figured someday I’d cancel a card and have to abandon a few hundred points.

    Chase has created a really slick website, but no matter what, it is not as slick as having it done automatically like American Express does.

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