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Make Sure You’re Getting the BEST Value From Your Chase Ultimate Rewards Points!

Make Sure You’re Getting the BEST Value From Your Chase Ultimate Rewards Points!

Million Mile SecretsMake Sure You’re Getting the BEST Value From Your Chase Ultimate Rewards Points!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Y’all know how much I love Chase Ultimate Rewards.  They’re my favorite kind of points because they’re flexible, have great travel transfer partners, and are relatively easy to earn.  But it’s important to remember that not all Chase Ultimate Rewards points transfer directly to partner airlines and hotels!

Make Sure Youre Getting The BEST Value From Your Chase Ultimate Rewards Points
Making a Simple Transfer Can Instantly Increase the Value of Your Chase Ultimate Rewards Points!

Million Mile Secret Agent Menachem asked:

How do I transfer Chase Ultimate Rewards points from my Chase Freedom card to my Chase Sapphire Preferred (or Sapphire Reserve) account?

I’ll show you why you definitely want to know how to do this!

Get the Most Value From Your Chase Ultimate Rewards Points

You can NOT transfer Chase Ultimate Rewards points earned with the Chase Freedom, Chase Freedom UnlimitedChase Ink Business Cash Credit Card, and Chase Sapphire (no longer available) cards directly to travel partners.

But you can transfer Chase Ultimate Rewards points earned from, for example, your Chase Freedom card to your Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Business Preferred, or Chase Ink Bold and Chase Ink Plus (no longer available) account.  And from there to airlines or hotels!

Make Sure Youre Getting The BEST Value From Your Chase Ultimate Rewards Points
You Can Get LOTS of Big Travel With Chase Ultimate Rewards Points Because of Their Fantastic Travel Partners Like United Airlines and Hyatt

Plus, your Chase Ultimate Rewards points are worth 1.25 cents each toward travel booked through the Chase travel portal if you redeem points from your Sapphire Preferred or Ink Business Preferred, Bold, or Plus accounts.  In your Chase Freedom account, they’re only worth 1 cent per point!  And if you have the Sapphire Reserve, they’re worth 1.5 cents each when you redeem point for travel.

So don’t make the mistake of paying for travel with your Chase Ultimate Rewards points from a card like the Chase Freedom when your points could be worth 25% or 50% more just by moving them!

How to Transfer Chase Ultimate Rewards Points Between Accounts

Link:   Chase Ultimate Rewards

Step 1.   Sign Into Your Chase Ultimate Rewards Account

From the Ultimate Rewards homepage, sign into your Ultimate Rewards account.

Make Sure Youre Getting The BEST Value From Your Chase Ultimate Rewards Points
You’ll First Need to Enter Your Username and Password

Step 2.   Choose an Ultimate Rewards Account

If you have more than one Ultimate Rewards account, select the account you want you want to move points from.

In this example, I’m transferring points from a Chase Freedom Unlimited account to a Chase Sapphire Reserve account.   But it works the same regardless of which Ultimate Rewards earning cards you have.

Make Sure Youre Getting The BEST Value From Your Chase Ultimate Rewards Points
Click the Account You Want to Get Your Points From

Step 3.   Click “Combine Points”

Click the dropdown menu at the top of the screen.  Then click the “Combine Points” link.

Make Sure Youre Getting The BEST Value From Your Chase Ultimate Rewards Points
Navigate to This Page Where You Can Combine Points

Step 4.   Select the Accounts to Transfer Between

Make Sure Youre Getting The BEST Value From Your Chase Ultimate Rewards Points
Pick the Accounts You’re Moving the Points to and From

Step 5.   Review and Confirm the Transfer

Decide how many points you want to transfer.  Then click the “Review” button.

You’ll be able to see which accounts you’re transferring between at the bottom of the page.

Make Sure Youre Getting The BEST Value From Your Chase Ultimate Rewards Points
Decide How Many Points You Want to Transfer, Then Click “Review” to Make It Happen!

From there, confirm the transfer.

Your points transfer immediately from one account to the other.  And there’s NO fee!

If you decide you want to move the points back for any reason, you can do that, too.

Bottom Line

You can transfer Chase Ultimate Rewards points from a card which doesn’t let you transfer Ultimate Rewards points to Chase’s travel partners (like the Chase Freedom) to a card which does let you transfer to airlines and hotels (like the Chase Sapphire Preferred).

So if you have the Chase Freedom, Chase Freedom UnlimitedChase Ink Business Cash, or Chase Sapphire (no longer available), you can transfer those points to a Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Business Preferred, or Chase Ink Bold and Chase Ink Plus (no longer available) account.  Because this way, they’re worth 25% or 50% more when you use points to pay for travel booked through Chase!

Making a transfer is free and instant.  So there’s no reason to NOT combine your points!

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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

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I have both the Chase Sapphire Reserve and the Chase Ink Business. Can I combine/transfer the Ink points to my Reserve card points?

I keep asking this question here but so far, haven’t gotten an answer.

My Sapphire Preferred, which I have had since 2012, has its annual fee coming due. My husband has the CSR.
If I become an AU on his CSR, and downgrade my CSP to the Freedom Unlimited, what are my transfer options?
Can I only transfer to his CSR before transferring to airlines/hotels? Or will being only an AU, without a Sapphire card of my own, let me transfer directly?

You can transfer your UR points to his CSR before you switch to a freedom card as long as you both have the same mailing address, and you have to initiate the transfer from the account that you are transferring the points out of. There is no charge and the transfer is instant.

@Susan T,
Thanks, I already know that and I’ve made such transfers already.

But that’s not my question. It’s what types of transfers I can do AFTER I become an AU on his card, and NO LONGER HAVE my own personal Sapphire card.

You can transfer to your own FF accounts as an AU.

Just a reminder, I believe there is an additional fee for AUs on the CSR. It you are an AU already, then never mind. If you are not, that fee will eat into your savings.

Yes, but the AU fee on the CSR is $75. If I downgrade my CSP (renewal fee $95), I save $20 and can reapply for the CSP and get the bonus again, once I go back under 5/24 in May/June.
Just need to book some flights between now and then, so needed to understand my transfer options.

Hi Marilyn,
I just called Chase to get the answer to your question because I was interested as well, Chase said that both parties ( the Cardholder & the AU ) would be able to transfer UR points their own individual transfer partner airline/hotel accounts.

@Susan T,

Thanks. That would let me save $20 on the fee, earn an extra point on travel/dining (which I really don’t do much of without my DH, being both retired now), AND let me reapply for the CSP down the road to get the bonus again!

You can still transfer your freedom points to his CSR. The requirement is that they be a “member of your household.” In practice there has not been an issue. I have even transferred points from my sister’s account to mine, and we done live in the same house or have the same billing address.

Yes, I know that as a household member, I can transfer to his CSR. I have his CSR set up as a household transfer account already.

But, if I have only an AU CSR, does that mean I cannot make direct transfers to my own airline/hotel account?