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Million Mile Secrets reader, Jagir, writes:
I don’t have the Chase Sapphire Preferred, but have a ton of Chase Ultimate Rewards points. I’m not eligible for the Chase Sapphire Preferred due to new rules. So I can’t transfer my Chase Ultimate Rewards points. Can my sister open the card and then I can transfer my points to her and she can transfer to a partner under her account and book an award for me?
Based on Chase’s new rules, Jagir doesn’t think he’ll be approved for the Chase Sapphire Preferred card (or the Chase Ink Plus). But he needs this card to transfer his Chase Ultimate Rewards points to travel partners.
Unfortunately, Jagir’s sister can NOT transfer his points for him. I’ll explain why and tell you about another potential work-around!
What’s This You Say About New Rules?
Chase has a new way they evaluate applications. If you have ~5 or more new cards (even from other banks) in the last 24 months, you may not be approved for Chase Ultimate Rewards cards like the Chase Freedom, Sapphire Preferred, Ink Business Cash Credit Card, or Ink Plus.
Although, it’s NOT a hard and fast rule, and there are lots of potential exceptions.
Can a Family Member Transfer Your Points for You?
Jagir wants to transfer his Chase Ultimate Rewards points to his sister and have her transfer them to a travel partner for him.
But, you can only transfer Chase Ultimate Rewards points to a spouse or partner. And it’s a good idea to be honest about this, because folks have had their accounts shut down for doing otherwise.
A Potential Solution
I’ve haven’t tried this before, but I called Chase and they said it can be done.
Jagir will NOT earn the sign-up bonus. But because he may not be approved for this card anyway, he doesn’t have much to lose. And he’d likely also have to pay the annual fee during the 1st year, which is $95 on the Chase Sapphire Preferred and the Chase Ink Plus.
But that’s certainly worth it when you move your Chase Ultimate Rewards points to airline and hotel partners for Big Travel.
Chase changed they way they approve new card applications. If you’ve applied for more than 5 cards within the last past 24 months, your application for a Chase Ultimate Rewards card may be denied. Although, this seems to be very dependent on your situation.
Chase has not released any actual public rules. So some of y’all may find it easy to get these cards while others may have difficulty.
So you could send your points to a spouse or domestic partner who has 1 of these cards, who can then transfer the points to a partner like Hyatt for you. But you should NOT try this with other family members or friends because Chase could shut down your account.
Thanks for your question, Jagir!