New Rules for Transferring Chase Ultimate Rewards Points

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Effective immediately, Chase has updated its rules about transferring Chase Ultimate Rewards points.

It looks to be a littler easier to share your Chase Ultimate Rewards points.  But a bit more cumbersome to transfer your Chase Ultimate Rewards points to someone else’s airline or hotel account.

There are also differences when you’re transferring from a personal or small business credit card.

New Rules For Transferring Chase Ultimate Rewards Points

There Are New Chase Ultimate Rewards Transfer Rules for Personal AND Business Accounts, but You Can Still Share Your Points

I’ll let you know what these changes mean.  And show you how to add an authorized user to your account.

What’s Going On?

Link:   Chase Ultimate Rewards Transfer Partners

Chase recently updated the rules on transferring Chase Ultimate Rewards points to another person’s Ultimate Rewards account or loyalty program account.  And the rules vary depending on whether you have a Chase personal or small business credit card.

Personal Cards

For Chase personal credit cards that earn Ultimate Rewards points, like Chase Sapphire Preferred and Chase Freedom, you can transfer to another person’s Ultimate Rewards account or loyalty program (airlines & hotels) account.

New Rules For Transferring Chase Ultimate Rewards Points

When You Transfer to Another Ultimate Rewards Account, Chase Only Says It Has to be Someone in Your Household

There are separate rules for each.

When you transfer your Ultimate Rewards points to another person’s Ultimate Rewards account, Chase only requires they are a household member.

New Rules For Transferring Chase Ultimate Rewards Points

When You Transfer to Someone Else’s Loyalty Program, Chase Requires Them to Be a Household Member AND an Authorized User

But if you want to transfer your Ultimate Rewards points to another person’s loyalty program account, they must be a household member AND an authorized user on your card.

Previously, you could only transfer your points to a spouse or domestic partner.

But now, you can transfer to anyone in your household.  

New Rules For Transferring Chase Ultimate Rewards Points

You Can Still Share Your Chase Ultimate Rewards Points. But to Transfer to Someone’s Airline or Hotel Account, That Person Must Be an Authorized User on Your Account

Small Business Cards

Chase business cards that earn Chase Ultimate Rewards points are the Chase Ink Plus, Chase Ink Bold, and Chase Ink Cash.  You can transfer your points to folks who are either household members or to another owner of the company.

I asked a couple of Chase representatives what was meant by “company owner” and they told me company employees were eligible as long as the travel is for company purposes.

New Rules For Transferring Chase Ultimate Rewards Points

Chase Has Similar Rules for Transferring From Small Business Ultimate Rewards Accounts, Except You Can Also Transfer to Another Company Owner

Like the rules for personal accounts, Chase does NOT mention authorized users when you transfer Ultimate Rewards points to another Ultimate Rewards account.  And, they add you can transfer to a household member OR company owner.

New Rules For Transferring Chase Ultimate Rewards Points

From Chase Small Business Accounts, You Can ONLY Transfer to a Company Owner’s Loyalty Account, and They Must Be an Authorized User

But for Chase small business credit card accounts with Ultimate Rewards points, there are different rules to transfer to another person’s loyalty accounts.  They must be a company owner AND an authorized user.  Household members are excluded here.

The Chase representatives I spoke with told me you can transfer your points to a company employee’s loyalty account as long as they are traveling for company business.

What’s Not Changing

You can still combine Ultimate Rewards points in your own accounts, and the way to transfer your own points to your travel partner accounts is not changing.

What Does It Mean?

If you want to share your points with someone else, there are a couple of things to watch out for.

You can transfer to another person’s Ultimate Rewards account as long as they are in the same household.  But if you want to transfer to someone else’s frequent flyer or frequent hotel guest program, you’ll need to take the added step of adding them as an authorized user to your account.

For Chase small business cards, make sure you only transfer to the loyalty accounts of your employees for business purposes, or to another company owner’s accounts.

New Rules For Transferring Chase Ultimate Rewards Points

What Does It All Mean? Don’t Worry, There Are Ways to Follow the Rules and Still Get Big Travel With Your Chase Ultimate Rewards Points

A good change with these new rules is that you can transfer to folks who are NOT your spouse or domestic partner, including roommates, or a child, sibling, or parent who lives in the same household.

It seems business owners will have to be more careful, because if Chase looks into your transfer history your account could be compromised.

Remember, you can always transfer your Chase Ultimate Rewards points to your own loyalty program accounts, and then book hotels rooms or flights for anyone you choose.

How to Add an Authorized User

Chase makes it simple to add an authorized user.  You can call Chase, or set it up through the Chase website.

New Rules For Transferring Chase Ultimate Rewards Points

Click “Customer Center” After You Log-In

To get started, click the “Customer Center” tab after you log into your account.

New Rules For Transferring Chase Ultimate Rewards Points

Select the Type of Account You Have With Chase

To add a user on a personal card, scroll down to the “Credit Card” section of the page, and click “Add authorized user.

And for a business card, find the “Business Credit Card” section and click “Add employee card.”

New Rules For Transferring Chase Ultimate Rewards Points

Fill-In the Information and Hit “Add Authorized User” to Submit

Chase asks for the same information for both types of accounts.

Fill-in the other person’s name and address, and click “Add Authorized User.”  That’s it!  They should receive their card in about 5 to 7 business days, and note that it will be mailed to the primary cardmember.

Adding an authorized user is a great way to help meet minimum spending requirements.

Be sure you only add someone that you completely trust.  They will be linked to your primary account, and ultimately YOU are responsible for any charges that they make.

As always, do what you are comfortable with.  And be sure to only add someone you know will pay you back!

Note:   If you add someone as an authorized user on your card, they can still sign-up for their own card later on to earn their own sign-up bonus.

Bonus Points for Adding an Authorized User

Right now, these Chase cards offer a bonus for adding an authorized user when you open a new account:

  • Chase Sapphire Preferred 5,000 Chase Ultimate Rewards points for adding an authorized user who makes a purchase within the 1st 3 months of opening your account
  • Chase Freedom – 2,500 Chase Ultimate Rewards points ($25) for adding an authorized user who makes a purchase within the 1st 3 months of opening your account
  • Chase Hyatt – 5,000 bonus points when you add an authorized user who makes a purchase with your card within the 1st 3 months

This is a great way to earn extra points when you sign-up for a card!

You can currently earn 50,000 Chase Ultimate Rewards points when you sign-up for the Chase Sapphire Preferred and spend $4,000 on purchases within the 1st 3 months of opening your account.  And the $95 annual fee is waived for the 1st year!

And you can now earn 15,000 Chase Ultimate Rewards points ($150) when you sign-up for the Chase Freedom card and spend $500 on purchases within the 1st 3 months of opening your account.  There is NO annual fee for this card.

Bottom Line

Moving forward, you can only transfer your Chase Ultimate Rewards points to the airline & hotel loyalty accounts of your authorized users.  This applies to personal and business cards.

For business cards, you can transfer to the frequent flyer program or frequent hotel guest program of an employee as long as they are on company business AND an authorized user, according to Chase representatives.

You can transfer your points to another person’s Ultimate Rewards account as long as they are in the same household.  And unlike before, Chase does not specify this person has to be a spouse or domestic partner.

The changes do NOT affect how you combine Ultimate Rewards points in your own accounts or how you transfer your own points to your travel partner accounts

Adding an authorized user is a great way to earn extra points or to meet your minimum spending requirements.  But be sure you completely trust this person, because you’re responsible for any charges they make!

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15 responses to “New Rules for Transferring Chase Ultimate Rewards Points

  1. Darius,
    Could you offer some clarity around the phrase: “one member of household”? Does this mean you can only transfer UR points or transfer to frequent flyer accounts for just that “one member”? Or, can you transfer to several family members as long as they are authorized users on the account?

  2. If I add my wife (or anybody) as an AU, will it require that person’s SSN? And will they do a hard pull on that person’s credit?

  3. @Sean
    No. no.

  4. My daughter (married and resides in VA) is a co-owner of my residence in public records. Can she be counted as a household member? Star Alliance GOLD member. It makes reward bookings more flexible for her to hold UA miles.

  5. If i add multiple users to my sapphire card, do i receive 5000 point bonus multiple times?

  6. Darius,
    I hv the Freedom and spouse is AU. We each hv Ink, can I transfer from my Ink to our Freedom and then to spouse’s Ink? That way I dont need to add a AU on my Ink card.

    Thanks!

  7. When trying to transfer I get this message

    you are designating this person as the only authorized user on your account eligible to receive point transfers for the remainder of the year

  8. what is still unclear is if “account” means all ultimate rewards transfer partners or each transfer partner can have a different household member to receive transfers.

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  10. I have a Sapphire Preferred that my wife is an authorized user on, and my wife has a Sapphire preferred that I’m an authorized user on. We live in the same household. I’m trying to combine the UR points from her account into my account, but it wouldn’t let me do it online. I called, and they told me that I had already combined points from 3 other accounts into my Sapphire preferred, and that is the max number of transfer accounts that can be use to combine points into any account for the life of that account. I had transferred some points from my Freedom account and 2 of my Ink accounts a couple of years ago (the Ink accounts have both been closed). Those were all accounts in my name.

    Is there really no way to get her UR points into my account?

  11. If a Chase Sapphire Preferred and my sister has a Chase Freedom and we are in the same household, can she transfer her UR points to me?

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  13. I would also like to know if I had the Chase Sapphire Preferred but my husband had the Freedom, can he transfer those to me?

  14. I just called Chase to ask about transferring UR from one person to another. They said that this was not possible and that you can only transfer UR from one Chase account to another (for example, from Chase Freedom to Sapphire). I don’t know if their policy has changed or if I just phrased my question incorrectly. Thoughts?

  15. Is it true that UR points transferred to a spouses United account have a limited shelf life and if not used within a certain time frame are then forfeited?