How You Earn Flexible Bank Points With Several Cards in the Same Program

How You Earn Flexible Bank Points With Several Cards in the Same Program

Million Mile SecretsHow You Earn Flexible Bank Points With Several Cards in the Same ProgramMillion Mile Secrets Team

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Million Mile Secrets reader, Amy, commented:

Is American Express Membership Rewards similar to Chase Ultimate Rewards where you earn points on each card individually?  Or are AMEX Membership Rewards points pooled into one account automatically?

Fantastic question, Amy!

When you have multiple cards that earn AMEX Membership Rewards points, all of your rewards will automatically accumulate in one account.

This is different from other flexible bank points programs like Chase Ultimate Rewards and Citi ThankYou where you earn points in separate accounts.

But with all 3 programs, it’s important to keep at least 1 card active to avoid losing all your flexible points.

Multiple Flexible Points Credit Cards
Flexible Points Are Key to Big Travel! So It’s Good to Know How You Earn Points With Several Cards in the 3 Major Flexible Points Programs.

I’ll explain how folks with multiple cards in the same program earn flexible points with AMEX, Chase, and Citi!

Earn Flexible Bank Points With Multiple Cards

Link:   Beginner’s Guide to Using Flexible Points for Big Travel With Small Money

Link:   The Trick to Travel Flexibility: Transferable Points

Link:   Will You Lose Flexible Points If You Cancel a Card? 

Emily and I love to earn transferable points.  Because if we’re unsure of upcoming travel plans, flexible points give us the option to choose from dozens of travel partners when we’re ready to book flights or hotel stays.

And there are lots of great cards to earn flexible points across these 3 major bank programs:

  • AMEX Membership Rewards
  • Chase Ultimate Rewards
  • Citi ThankYou

Lots of folks in the miles & points hobby sign-up for multiple cards in each of these programs.  This way you can accumulate points more quickly to reach your travel goals!

Multiple Flexible Points Credit Cards
Having Multiple Cards That Earn Flexible Points Can Help You Achieve Your Travel Goals, Like a Trip to Alaska!

Here’s how you earn points with several cards in the same program.

1.   American Express Membership Rewards

Link:   Keep Your AMEX Membership Rewards Points Active With No Annual Fees

All points you earn from AMEX Membership Rewards cards are deposited into one account.  This includes points from personal and small business cards.

This makes it easy to manage all of your points.  Because you can quickly transfer points directly to airline and hotel partners without having to combine points from other cards.

Multiple Flexible Points Credit Cards
If You Earn AMEX Membership Rewards Points With Multiple Cards, All the Points Will Go Into One Account

Just remember, to avoid losing your AMEX Membership Rewards points, you must keep 1 card active.

2.   Chase Ultimate Rewards

Link:   Chase Sapphire Reserve Increases Value of Your Ultimate Rewards Points

Link:   Not All Chase Ultimate Rewards Points Are Equal!

Folks with more than one Chase Ultimate Rewards card will accumulate points in separate accounts.  So you’ll have to manually combine the points.

This is important because Chase Ultimate Rewards points can have different values depending on which card they’re linked to.

For example, points linked to the Chase Sapphire Reserve are worth 1.5 cents each for travel through the Chase portal.  But points linked to the Chase Sapphire Preferred® Card are worth 1.25 cents each.

Multiple Flexible Points Credit Cards
You Can Manually Combine Points to the Chase Card That Gives You the Most Value for Your Ultimate Rewards Points!

That’s why I recommend folks combine points to the Sapphire Reserve to increase the value of your Chase Ultimate Rewards points.

And keep in mind, you can only transfer Chase Ultimate Rewards points directly to airline and hotel partners if you move points to the following cards:

So having one of these cards can make the points you earn on the Chase Freedom or Chase Freedom Unlimited more valuable.

And before cancelling a card, be sure to transfer points to a different Chase Ultimate Rewards card.  Otherwise, you’ll lose your hard-earned points.

3.   Citi ThankYou

Link:   How to Combine Your Citi ThankYou Points for Big Travel

If you have more than one Citi ThankYou card, you’ll earn points in separate accounts.

But you have the option to combine Citi ThankYou accounts.  Keep in mind, once your accounts are combined, they can NOT be separated.

Multiple Flexible Points Credit Cards
Think Hard Before Combining Citi ThankYou Accounts! Because You Can’t Separate Accounts After They’re Merged!

There are benefits to combining your accounts because the redemption value of your Citi ThankYou points varies depending on the card.

For example, you’ll get 1.25 cents per point for points linked to your Citi ThankYou® Premier Card when you book hotels, cruises and car rentals through the Citi travel portal.

But if you book airfare, you might want to combine points to your Citi Prestige account.  Because you can currently redeem points at a rate of 1.6 cents each for American Airlines and partner flights, and 1.33 cents each on other airlines with no blackout dates when you book through the Citi travel portal.

Note:   Starting July 23, 2017, Citi ThankYou points linked to your Citi Prestige will be worth 1.25 cents each for bookings made through the Citi Travel Center no matter which airlines you fly.

Bottom Line

The way you accumulate flexible points with more than one credit card in the same program depends on the bank.

With American Express Membership Rewards, you’ll automatically earn points in one account.

Folks with more than one Chase Ultimate Rewards card will earn points in separate accounts.  But you can manually combine points to the card that gets you the most value.

And you’ll earn Citi ThankYou points in separate accounts.  But you have the option to combine accounts.  However, after they’re combined, you will NOT be able to separate them.

Thanks for the question, Amy!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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i don't think that is the case for hotel credit cards. I have the Hilton amex card and the points I earned from the promotion did not go to my memebership rewards account, it went to my Hilton Honors account.


You're correct. The information in this post only applies to cards earning transferable points, like AMEX Membership Rewards points.