Can You Transfer Chase Ultimate Rewards Points Between Family Members’ Accounts?

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Can You Transfer Chase Ultimate Rewards Points Between Family Members’ Accounts?

Andrew WanCan You Transfer Chase Ultimate Rewards Points Between Family Members’ Accounts?Million Mile Secrets Team

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Andrew W:   Chase Ultimate Rewards points are one of my favorites because of their ease of use and flexibility in redeeming them for travel!  There are plenty of redemption options, and you can even combine points across all of your cards into a single card for simplicity.

The flexibility of the points also goes beyond your own account, because Chase allows you to transfer points to another family member’s account.  This can make booking a family vacation much easier!

Can You Transfer Chase Ultimate Rewards Points Between Family Members Accounts
You Can Transfer Points to Another Household Member, Making It Easier to Book Travel for Multiple People

Million Mile Secrets reader, Troy, asks:

My family members and I have several Chase cards.  If we add each other as authorized users to the cards, can we transfer points between our accounts?

Hi Troy and thanks for writing in!  When it comes to transferring points to another family member’s account, you’ll be happy to know that Chase DOES allow you to do this for one other person if they live in the same household.  After all, it’s a lot easier to book flights for multiple people if the points are all in one account.  This can also come in handy if you have a family member who needs just a few extra miles to book a flight with points.

Just remember that authorized user cards WILL count towards 5/24 status with Chase.  This could affect your ability to qualify for Chase cards in the future, because Chase will NOT approve you for many of their best travel rewards credit cards if you have opened 5 or more credit cards from ANY bank in the past 24 months (excluding certain small business cards and Chase business cards).

If you happen to be over 5/24 because of authorized user cards, you might still be in luck!  There are many reports online from folks stating they have called Chase and successfully removed the authorized user cards from their 5/24 count.

The rules for transferring points are slightly different depending on whether you have a personal or business card.  I’ll go through the rules for each, explain why it’s so important to follow the rules, and walk you through how to do the actual transfers.

Rules for Sharing Chase Ultimate Rewards Points

If you have a personal credit card and are looking to transfer Chase Ultimate Rewards points to one other person, Chase just requires that they are a member of your household, and that the account is in good standing.

Many of the best Chase credit cards earn valuable Chase Ultimate Rewards points which you can transfer to someone else’s account, even if the cards are advertised differently as points or cash back!  So for instance, you could transfer Chase Ultimate Rewards points from your Chase Freedom to a family member’s Chase Sapphire Preferred Card.

You can do transfers online, in-person at a Chase branch, or by calling the number on the back of your Chase card.

If you have a business credit card and want to transfer points to someone else, the rules are very similar, except you have the added option to give the points to an owner of the company.  In other words, you can move the points to someone else if they are either a member of your household OR a co-owner of the business.

Point transfers to someone else’s account are heavily scrutinized by Chase, so it’s important to make sure you follow the rules and not try any shortcuts.  If Chase finds out, they could close out your accounts and you would be jeopardizing all of your points.

How to Transfer Chase Ultimate Rewards Points to an Authorized User

Step 1.   Sign Into Your Chase Ultimate Rewards Account 

First, login to your Chase Ultimate Rewards account.  You can do this by signing into your account from the Chase homepage, and then clicking on the “Ultimate Rewards” banner on the right-hand side of your screen.

Can You Transfer Chase Ultimate Rewards Points Between Family Members Accounts
Once You Are Logged Into Your Chase Account, Click The Ultimate Rewards Banner to Access Your Ultimate Rewards Account

Step 2.   From the Chase Ultimate Rewards Portal Homepage, Click on “Combine Points”

Once you’re into the Chase Ultimate Rewards page, go to the banner at the top of the screen and click on “Combine Points”

Can You Transfer Chase Ultimate Rewards Points Between Family Members Accounts
At the Top of the Screen, Click “Combine Points”

Step 3.   On the Right-Hand Side, Click “Add Household Member”

This will take you to the next screen, giving you the option of adding a household member so that you can transfer points to them.

Can You Transfer Chase Ultimate Rewards Points Between Family Members Accounts
Add a Family Member by Clicking “Add Household Member”

Step 4.   Enter the Other Cardmember’s Information in the Fields Below, and You’re All Set!

The last step is to enter the account number and last name, and then click “Continue.”  Remember, they must be a household member if you want to transfer points to them.  If it is a business card, they do not need to be a household member as long as they are a co-owner of the company.

Can You Transfer Chase Ultimate Rewards Points Between Family Members Accounts
Enter the Account Number, Last Name, and Click the Box to Certify the Card Belongs to a Member of Your Household

Once you’ve transferred the points to the other person’s account, they’ll also be able to move the points among their own cards.  So for instance, if you transferred the points to their Chase Freedom card, they could then combine the points with their Chase Sapphire Preferred card, or any other Chase card that also earns Ultimate Rewards points.

When you transfer points to the other person, you can still freely move points back and forth.  So if the other person decides they no longer need the points, they can login to their Chase Ultimate Rewards account and simply transfer the points back to you.

Bottom Line

For personal accounts, Chase allows you to transfer points to one other person as long as they also live in the same household.  If you would like to transfer points from a business credit card to someone, they can be either a household member OR a co-owner of that company.

Transferring the points and having them in a single account can make it much easier to book a flight for multiple people.  This also comes in very handy if a member of your household needs just a few extra miles to book an award flight!

Chase heavily scrutinizes these types of points transfers and can close out your accounts, so just make sure you are following these rules.

And if you do decide to add someone as an authorized user to your cards, just remember that it will count towards their 5/24 status with Chase.  So if they have opened 5 or more credit cards from ANY bank in the past 24 months (excluding certain small business cards and Chase business cards), they may not be able be approved for many of Chase’s credit cards.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 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

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Great post! Enjoy reading it.

I have a CSR. Is it possible to transfer UR points from my account to my spouse’s United Airlines account? She does not have one of those Chase card that enables travel partner transfer.


Great article, Andrew! I have a few questions, though. Does the person you’re transferring to have to be an authorized user? Or doesn’t it matter as long as you’re in the same household? I’m thinking of a situation where you and a spouse each have your own CSR or CSP (where each of you is a primary on their own card; no authorized users). Along those same lines, does it make sense for each of you to apply and for (and hopefully get) a CSR/CSP for the signup bonus? Or just do one and put the other as an authorized user on it?


Hi Sarah!

For the requirement to be an authorized user to pool points, I’m not 100% sure, but that is my understanding of it.

If I were in your shoes, I would probably have you and your partner each apply for your own Chase Sapphire cards so that you both have the opportunity to earn the welcome bonus.

After all, there’s no “1 bonus per household” restriction

Thanks! That’s what we’re leaning towards–CSR/CSP each, and Freedom Unlimited for those bonus point categories. I don’t think the Freedom cards charge for an authorized user so we’d probably just do that instead of one each. Do you know of a good number or email I could use to find out for sure if the person needs to be an authorized user to transfer points to, or just a household member?

Thank you for this article, it’s the first time I’ve seen that AUs count against 5/24, so it was even more helpful than I thought it might be! I have Ink Preferred and CSP. I will want to cancel Ink after the first year. If I transfer my UR to the CSP, those won’t go away when I cancel, right? Thank you for answering and for all of this blog!


Hi Emily,

Glad you found the article helpful! And you are correct, once you transfer the points over to the CSP, you can close the ink card without worrying about losing the points.


Just received our CSR and want to add my wife’s Chase Amazon VISA. Logged into my account, went to the ultimate rewards, combine points, but it give me no options to add a household member. Any advice?


Hi Matt,

The Chase Amazon earns different types of points and cannot be combined with Ultimate Rewards.

The closest thing I have seen is a few reports online stating Chase did it as a one time courtesy, but not as a regular ongoing option.


Is it possible to transfer points from my UR account directly to the travel partner account of an authorized user? I.e. can I send UR to my AU’s Korean or BA account directly?


Hi Stephen!

Yes, as long as they are a member of your household (or in the case of a business card, a co-owner of the business), you are able to transfer your points to your AU’s loyalty account.

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