Can’t Get the Chase Sapphire Preferred or Ink Plus? You May Still Be Able Transfer to Travel Partners!

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Million Mile Secrets reader, Jagir, writes:

I don’t have the Chase Sapphire Preferred, but have a ton of Chase Ultimate Rewards points.  I’m not eligible for the Chase Sapphire Preferred due to new rules.  So I can’t transfer my Chase Ultimate Rewards points.  Can my sister open the card and then I can transfer my points to her and she can transfer to a partner under her account and book an award for me?

Based on Chase’s new rules, Jagir doesn’t think he’ll be approved for the Chase Sapphire Preferred card (or the Chase Ink Plus).  But he needs this card to transfer his Chase Ultimate Rewards points to travel partners.

Can't Get The Chase Sapphire Preferred Or Ink Plus You May Still Be Able Transfer To Travel Partners

If You Can’t Get Approved for the Chase Sapphire Preferred or Chase Ink Plus to Transfer Your Chase Ultimate Rewards Points to Travel Partners, What Should You Do?

Unfortunately, Jagir’s sister can NOT transfer his points for him.  I’ll explain why and tell you about another potential work-around!

What’s This You Say About New Rules?

Link:   New Chase Application Rules

Link:   Potential Exceptions to the New Rules

Chase has a new way they evaluate applications.  If you have ~5 or more new cards (even from other banks) in the last 24 months, you may not be approved for Chase Ultimate Rewards cards like the Chase Freedom, Sapphire Preferred, Ink Cash, or Ink Plus.

Although, it’s NOT a hard and fast rule, and there are lots of potential exceptions.

The rule does NOT apply to airline and hotel-branded cards like the Chase Southwest Premier and the Chase IHG Rewards.

This new rule can pose a problem for folks, like Jagir, who have Chase Ultimate Rewards points but now might not get approved for the Chase Sapphire Preferred or Ink Plus card.

Chase Adds New Transfer Partner More Options To Europe

You Can Only Transfer Chase Ultimate Rewards Points to Travel Partners If You Have the Chase Sapphire Preferred, Ink Plus, or Ink Bold

Can a Family Member Transfer Your Points for You?

No.

Jagir wants to transfer his Chase Ultimate Rewards points to his sister and have her transfer them to a travel partner for him.

But, you can only transfer Chase Ultimate Rewards points to a spouse or partner.  And it’s a good idea to be honest about this, because folks have had their accounts shut down for doing otherwise.

Can't Get The Chase Sapphire Preferred Or Ink Plus You May Still Be Able Transfer To Travel Partners

You Would Never Give Her the TV Remote When You Were Growing Up and Now It Just So Happens She Can’t Transfer Your Chase Ultimate Rewards Points for You

A Potential Solution

Jagir may be able to have Chase convert his Chase Freedom card to the Chase Sapphire Preferred.  Or if he has the Chase Ink Cash, he could switch it to the Chase Ink Plus.

I’ve haven’t tried this before, but I called Chase and they said it can be done.

Jagir will NOT earn the sign-up bonus.  But because he may not be approved for this card anyway, he doesn’t have much to lose.  And he’d likely also have to pay the annual fee during the 1st year, which is $95 on the Chase Sapphire Preferred and the Chase Ink Plus.

But that’s certainly worth it when you move your Chase Ultimate Rewards points to airline and hotel partners for Big Travel.

Can't Get The Chase Sapphire Preferred Or Ink Plus You May Still Be Able Transfer To Travel Partners

By Converting to the Chase Sapphire Preferred or the Chase Ink Plus, Jagir Could Transfer His Chase Ultimate Rewards Points to Hyatt for a Stay at the Park Hyatt Buenos Aires and Other Hyatt Hotels

Bottom Line

Chase changed they way they approve new card applications.  If you’ve applied for more than 5 cards within the last past 24 months, your application for a Chase Ultimate Rewards card may be denied.  Although, this seems to be very dependent on your situation.

Chase has not released any actual public rules.  So some of y’all may find it easy to get these cards while others may have difficulty.

If you aren’t approved for the Chase Sapphire Preferred or Chase Ink Plus, you will NOT be able to transfer your Chase Ultimate Rewards points to travel partners.

So you could send your points to a spouse or domestic partner who has 1 of these cards, who can then transfer the points to a partner like Hyatt for you.  But you should NOT try this with other family members or friends because Chase could shut down your account.

However, you may be able to convert cards like the Chase Freedom and Chase Ink Cash to the Chase Sapphire Preferred or Chase Ink Plus without completing a new application.

Thanks for your question, Jagir!

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8 responses to “Can’t Get the Chase Sapphire Preferred or Ink Plus? You May Still Be Able Transfer to Travel Partners!

  1. Sorry, I’m confused. If Jagir has the UR points already then what’s preventing him from transfering the points himself? Do you need a certain card to do that?

  2. @A.J. Yes, the Chase Freedom cannot transfer UR points to Partners. The Sapphire and the Ink Plus can. So normally he would transfer his points from Freedom to his Sapphire, then from Sapphire to the transfer partner.

  3. I find the suggestion that you MAY be approved for a CSP, Freedom, or Slate with more than 5 new cards in the past 24 months to be dangerous. As far as I can tell, this will only happen when someone falls between the cracks. Maybe there is a temporary computer glitch. Maybe the people reporting an exception got their other cards a few days before, and they weren’t showing up on the credit bureau records yet. Maybe some of those cards were AMEX cards, which until recently were not dated on the application date, but rather on the date of one’s first ever AMEX card. Maybe some of the cards were business cards, and perhaps Chase views that differently.

    There are a multitude of reports of people with fantastic credit being denied for Chase branded cards (not co-brand cards like IHG, etc) for having gotten 6 or more new cards within 24 months. Even authorized user cards count against you, although you can get those canceled. Just make sure the CB records the cancelation though. And only a tiny handful of exceptions.

    Ask yourself “Do you feel lucky, punk, do you?”. 🙂

  4. I was told that our Freedom points could not be moved to the Ink Plus because that is a business card. So, I tried to get the Sapphire card and was denied because of the new rules. Do you know how to move them to Ink Plus?

  5. As I mentioned the last time you posted about the new Chase rule, it is “more than 5” cards in the 24 months, NOT “5 or more.” 5 is the limit, not 4.

    This rule also does not apply to the Ink Plus, only the Chase branded personal cards. There is some speculation that it may apply to the cobranded personal cards as well, but recent personal experience tells me otherwise.

    In July, my wife was denied for a Freedom because of too many new accounts in the past 24 months, all of which were authorized user accounts. She was later approved instantly for a British Airways Visa.

    In July, I was approved for an Ink Plus with more than 20 new accounts over the past 24 months.

  6. @Sue

    Yes, you can move UR points from the Freedom to the Ink Plus.

  7. What about adding an authorized user for free? You can transfer to an authorized user.

  8. @ Robert Hanson,
    “I find the suggestion that you MAY be approved for a CSP, Freedom, or Slate with more than 5 new cards in the past 24 months to be dangerous. ”

    I believe he was talking about converting not applying for a new card. This would avoid a hard pull. Don’t know why asking to convert would be dangerous.