How & Why to Transfer Points From Your Chase Freedom

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How & Why to Transfer Points From Your Chase Freedom

Million Mile SecretsHow & Why to Transfer Points From Your Chase FreedomMillion Mile Secrets Team

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Update:   The Chase Ink Bold, Chase Ink Classic, and Chase Sapphire cards are no longer available for new sign-ups. 

At the recent Frequent Traveler University at Tampa, one of the more common questions was:

How do I transfer Ultimate Rewards points from one account (say my Chase Freedom) to my Chase Sapphire Preferred?

Many folks think that points earned from the Chase Freedom can only be used for cash back.

But that’s not entirely true!

You can instantly transfer Ultimate Rewards points earned from one Chase credit card that earns Ultimate Rewards to another Chase credit card Ultimate Rewards account for free. And then transfer those (transferred) Ultimate Reward Points to  airlines and hotels!

Chase Freedom Points
We Transferred Points From a Chase Freedom to a Chase Sapphire Preferred and Then to Hyatt When we Went to Maui!

Not all Ultimate Rewards Points transfer directly to partner airlines and hotels.  And often times, the best way to squeeze the most out of your Ultimate Rewards points is transferring points to, say, Southwest for flights within the US or United for flights to Europe or to Hyatt for a stay in Paris!

Only Ultimate Rewards Points earned on the Chase Ink Bold, Chase Ink Plus, and Chase Sapphire Preferred transfer directly to partner airlines and hotels.

Ultimate Rewards Points earned on the Chase Freedom, Chase Ink Classic, Chase Ink Business Cash Credit Card, and Chase Sapphire can’t be directly (directly is the key word!) transferred to partner airlines and hotels.  These cards have no annual fee, so they are worth keeping to build a long credit history with Chase.  And the Chase Freedom has rotating categories where you can earn 5X Ultimate Rewards points per $1.

But you *can* transfer Ultimate Rewards from, say, the Chase Freedom to either your Chase Ink Bold, Chase Ink Plus, or Chase Sapphire Preferred and from there to airlines or hotels!

You will also get 1.25 cents per Ultimate Rewards point instead of 1 cent towards any travel redemption via the Ultimate Rewards portal if you redeem points from your Sapphire Preferred or Ink Bold/Plus accounts, compared to your Chase Freedom account.

Transfer Partners

Ultimate Rewards Points transfer on a 1:1 ratio to the following travel programs:

  • British Airways Executive Club
  • Hyatt Gold Passport
  • Korean Air SKYPASS
  • Marriott Rewards
  • IHG Rewards
  • Southwest Airlines Rapid Rewards
  • The Ritz-Carlton Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • Flying Blue

But that’s only if you have a Chase Ink BoldChase Ink Plus, and Chase Sapphire Preferred.

If you earn Ultimate Rewards points from any other credit or debit card, you have to first transfer them to your Sapphire Preferred, Ink Plus, or Ink Bold.

Transferring Ultimate Rewards Points Between Accounts

Link:   Ultimate Rewards

Ultimate Rewards Points earned through, say, the Chase Freedom can’t be directly transferred to partner airlines or hotels.

You have to first transfer them to your Chase Ink Bold, Chase Ink Plus, or Chase Sapphire Preferred account.

There are two ways to transfer Ultimate Rewards points between accounts:

Transfer Ultimate Rewards Points Via Chase.com

Step 1 – Sign Into Ultimate Rewards 

 Sign into your Chase account.

Chase Freedom Points
Step 1 – Log In To Your Chase Account

Step 2 – Go To Ultimate Rewards

Click on “Go to Ultimate Rewards.”

Chase Freedom Points
Step 2 – Click On “Go To Ultimate Rewards”

If you have two personal Ultimate Rewards accounts such as a Chase Sapphire Preferred and a Chase Freedom, you’ll see a popup box with your 2 accounts each with a link to “Go to Ultimate Rewards.”  

You can choose either link.  Because you want to transfer Ultimate Rewards points out of your Freedom account, you can click on the Chase Freedom “Go to Ultimate Rewards” link.

Click
Click on “Got to Ultimate Rewards” For Your Chase Freedom

Step 3 – Click on “Combine Points”

You’ll be taken to your Chase Ultimate Rewards account for your Freedom card.

Click on the “Combine Points” link at the top of the screen.

Step 4 –  Select Accounts

From the dropdown menu box, select the account you want to transfer Ultimate Rewards points from.

Then select the account you want to transfer Ultimate Rewards to.

I transfered points out of my Freedom account (because they can’t be directly transferred to airlines and hotels) and into my Sapphire Preferred account.

You can choose to transfer all your points or pick a different amount.

Chase Freedom Points
Step 4 – Select Which Accounts to Transfer Points To

Step 5 –  Confirm The Transfer

Click “Submit” to confirm the transfer.  Your points will be immediately transferred from your Chase Freedom account to your Chase Sapphire Preferred account.

And once the points are in your Chase Sapphire Preferred account, you can transfer them to airlines or hotels!

Chase Freedom Points
Step 5 – Confirm the Transfer

Transfer Ultimate RewardsPoints Via the Ultimate Rewards Portal

You can also transfer your Ultimate Rewards points directly through the Ultimate Rewards portal.  It just depends how you prefer logging on to your Chase account.

Step 1 – Sign into your Ultimate Rewards Account

 Sign into your Ultimate Rewards account.

Chase Freedom Points
Step 1 – Log in to Your Ultimate Rewards Account

Step 2 – Choose An Ultimate Rewards Account

If you have more than one Ultimate Rewards account, select which account you want to make the point combination from.

I chose my Chase Freedom account.

Chase Freedom Points
Step 2 – Click on “Go to Ultimate Rewards”

Step 3 – Click on “Combine Points”

Click on the “Combine Points” link at the top of the screen.

Step 4 –  Select Accounts

Select which account you want to transfer Ultimate Rewards points from (say your Chase Freedom) and select the account you want to transfer points to (say your Chase Sapphire Preferred).

I selected to transfer points out of Freedom account (because they can’t be directly transferred to airlines and hotels) and into my Sapphire Preferred account.

Chase Freedom Points
Step 5 – Choose Which Account to Transfer From and To

Step 6 –  Confirm The Transfer

Click “Submit” to confirm the Ultimate Rewards Points transfer.

Your points will be immediately transferred from your Chase Freedom account to your Chase Sapphire Preferred account.  And there’s no fee!

Chase Freedom Points
Step 6 – Click “Submit” To Confirm the Transfer

Bottom Line

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

And from there you can  transfer those Ultimate Rewards points to partner airlines and hotels in a 1:1 ratio!  Or redeem the points for 1.25 cents (instead of 1 cent) towards travel in the Ultimate Rewards mall.

Remember that only Ultimate Rewards points in the Chase Ink Bold, Chase Ink Plus, and Chase Sapphire Preferred accounts can be transferred to partner airlines and hotels.

If you have the Chase Freedom, Chase Ink Classic, Chase Ink Cash and Chase Sapphire, to use Ultimate Rewards on travel, you have to first transfer those points to the Chase Ink Bold, Chase Ink Plus, or Chase Sapphire Preferred.

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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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Hello, thank you for this info! I’m wondering if this Chase Freedom points to Sapphire Preferred still valid and available? Thank you!

@Ryan – I actually asked this question in the Contact section too. You’ll get your answers faster there. Basically, you need to either have the Chase Ink or Sapphire to keep your Ultimate Rewards.

@Crystal I am anxious to hear the answer to this one too. I’m in the same boat.

I currently have the Chase Ink Business card and would like to cancel it before the annual fee comes up, but I would like to save my Ultimate Rewards points. If I get the Chase Freedom card, will I be able to transfer my points there until I’m ready for the next Chase card such as the Sapphire? Or should I get the Sapphire first and then cancel the Ink?

I just got the Sapphire preferred because of the sign-on bonus and they still give 20% discount in points for redemption if you book through Ultimate Rewards. We also have Chase Freedom where we can move points. I’m sad we are joining too late for the 7% bonus. However, we are still getting 3pts/$1 until December 2015 for buying travel through UR. After it will be 2x when we buy through the airline directly.

However, with the 20% redemption, why would you want to buy a second annual fee card such as the United Card and then put the points on that card? I don’t want to be stuck on one airline or pay for 2 cards. I was debating between this card and the AA card. I do like how United and AA give the free bag. That could pay for the fee. But I didn’t want to lock into one card. Can you please explain how it might be worthwhile to get a partner card and transfer the points on the 1:1 basis?

(I wish Southwest flew better flight times… I live in the Des Moines service area and I go to Hartford, CT… flight times are either 6am or over the middle of the night. Hard to take kids to visit grandparents with those flight times)

Thank you

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