Can You Transfer Chase Ultimate Rewards Points to a Spouse?

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Million Mile Secrets reader, Soosie, commented:

Can you please tell me if it is possible to transfer Chase Ultimate Rewards points directly (not to airline/hotel program) from spouse to spouse?  Thanks!

Great question, Soosie!

It is possible to directly transfer Chase Ultimate Rewards points to your spouse.  This is great news for folks who want to combine points to book award travel.

But Chase has different rules for transfers depending if you have a personal or small business card.

Transfer Chase Ultimate Rewards Points To Spouse

Transferring Chase Ultimate Rewards Points to Your Spouse Can Make It Easier to Book Award Travel, Like Singapore Airlines First Class Suites!

I’ll explain the rules for transferring Chase Ultimate Rewards points to someone else!

Transfer Chase Ultimate Rewards Points to Spouse

Link:   New Rules for Transferring Chase Ultimate Rewards Points 

Link:   Do Miles Expire Sooner When You Transfer Chase Ultimate Rewards Points to a Spouse’s Loyalty Account?

Chase allows folks to transfer Chase Ultimate Rewards points directly to someone else.  But the rules are different if you have a personal or small business card.

For personal cards, like the FreedomFreedom UnlimitedSapphire Preferred, and Sapphire Reserve, Chase says:

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household.

The rules are slightly different for small business cards like the Ink Business PreferredInk Cash, and Ink Plus (no longer available).  Chase says:

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, one member of your household, or your joint business owner, as applicable.

So the main difference with small business cards is you have an added option to transfer Chase Ultimate Rewards points directly to joint business owners who do NOT reside in your household.

Transfer Chase Ultimate Rewards Points To Spouse

With Chase Ultimate Rewards Small Business Cards, You Can Transfer Points Directly to Authorized Users Who Are NOT in the Same Household

And Chase has different rules for folks who’d like to transfer Chase Ultimate Rewards points to someone else’s airline or hotel loyalty account.  This person has to live in your household AND be an authorized user on your account.

Keep in mind, Chase has strict language for folks who try to workaround their rules.  If they suspect you’re moving points against their policies, the bank can prohibit you from earning points or using points you’ve already earned.  They can even close ALL of your credit card accounts and take your points away.

So it’s NOT worth trying to get creative to move points just to risk losing them all!

If you’re eligible, here are the steps to transfer Chase Ultimate Rewards points directly to someone else.

Step 1.   Log-In to Chase Ultimate Rewards Account

First, log-in to your Chase Ultimate Rewards account.  Then, click on your points total in the top right corner of the screen and you’ll see a drop down menu.  Click “Combine Points“.

Transfer Chase Ultimate Rewards Points To Spouse

Log-In to Your Chase Ultimate Rewards Account and Click “Combine Points”

Step 2.   Add Household Member

Next, instead of combining Chase Ultimate Rewards points with one of your existing cards, you’ll see an option to “Add Household Member“.

Transfer Chase Ultimate Rewards Points To Spouse

Add Your Spouse by Clicking “Add Household Member”

You can only have 1 household member (or joint business owner on small business cards) added at a time.  So you can’t link multiple family members or roommates’ accounts.

Note:   If you have a small business card, at this step you’ll see the option to add a joint business owner who does not reside in your household.

Step 3.   Add Account Information

Now, you can enter the card number and last name of the person you’d like to add.

Remember, if it’s a personal card this person must live in the same household to be eligible to transfer points.

If it’s a small business card, you can add an authorized user who doesn’t live with you.

Transfer Chase Ultimate Rewards Points To Spouse

Complete the Account Number and Name Information

Step 4.   Link Accounts

You’ll see your other household member’s account on the combine points screen when you’re logged in to your Chase Ultimate Rewards account.

Transfer Chase Ultimate Rewards Points To Spouse

You’ll See Your Spouse or Household Member’s Account in the “Combine Points” Page

This means you’re now able to transfer points directly!

Step 5.   Transfer Points!

To transfer points directly to your spouse, enter the number of points you’d like to transfer.

Then, review and submit your transfer.

Transfer Chase Ultimate Rewards Points To Spouse

Enter the Number of Points You Want to Transfer to Your Spouse

The points will instantly appear in your spouse’s account!

Bottom Line

You can directly transfer Chase Ultimate Rewards points to someone else.  

But the person must live in your same household AND have a Chase Ultimate Rewards credit card if you’re transferring points from a personal card like the Sapphire Reserve.  Or they can be a joint business owner who does not live in your household if you’re transferring points from a small business card like the Ink Business Preferred.

Remember, Chase has strict rules to prevent folks from transferring points to other people who do not meet the criteria.  So changing an address on an account as a workaround is NOT worth the risk of losing all your points!

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4 responses to “Can You Transfer Chase Ultimate Rewards Points to a Spouse?

  1. Is it possible to transfer points to spouse’s FF account if s/he is an authorized user only on a card that does not allow transfers? (For instance I have CF and CSR, she’s authorized only on the CF)

  2. @ Lrdx After I cancelled my Sapphire with authorized user because I had the reserve card, I couldn’t transfer to any of spouses air or hotel accounts, even with the chase freedom as authorized user. So now my only alternative is to pay the 75 and add spouse to my reserve.

  3. I’m concerned about the “same household” requirements. My partner and I have two residences – a home and an apartment we keep near his businesses as a pied a terre. We each use one as our primary address, mainly so one of us can vote in elections at both locations.

    We have been joint users on each others’ accounts for several years. If you look at past purchases, I have bought airfare for him, he has bought airfare for me, etc. However, since the addresses on our accounts are different, I am concerned we might somehow be flagged if I try to link our accounts.

    Should one of us change the address on our Chase accounts first?

  4. Quick question… I have the Chase Sapphire Preferred card. I added my husband as a cardholder.

    Can he apply for the card as well? If so, can he get those introductory miles so that we can combine them?