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Chase Ultimate Rewards: Transferring between personal accounts

This is the first installment of a series I will be starting that goes over the many different ways you can transfer and utilize Chase Ultimate Rewards points. Here is a tentative list of the topics I intend to cover:

Transferring between personal accounts (combining points)

Transferring from a business account to a personal account

Transferring Chase points to a travel partner

Transferring your points to someone else

Tips & Tricks to managing your Chase points

In my opinion, Chase Ultimate Rewards are the most valuable travel rewards points on the market right now. This is an opinion, and nothing more, but when you look at the numbers, its hard to beat. When it comes down to it, there are two major factors in determining the value: their worth (obviously) and their accessibility.

Chase has 13 travel partners, that all allow for 1:1 transfers from your Ultimate Rewards account directly into your respective awards account — but I will go over that in another post. In this post I’d like to talk about the accessibility of Chase Ultimate Rewards — in other words, how easy it is to accrue a mass amount of points.

For me, it all started with the Chase Sapphire Reserve — this was not the first Chase travel rewards card introduced, but it definitely gave their program a spike. The tremendous growth that the Sapphire Reserve brought to the Chase credit card program has bolstered a lot of their other cards. I have talked about my “Chase trifecta” strategy, as well as my recent endeavor into the Chase Ink Preferred card — a whopping 80,000 point bonus after $5,000 in spend in the first 3 months. I can go on and on about this (as I have previously), but what I want to do here is go over some of the basics — maneuvering within the Chase portal and getting your points to the right place.

Korean Air Boeing 747 taking off
Transfer 45,000 Chase UR points to Korean Air SkyPass and get a round trip first class ticket to Hawaii.


If you are like me, and have multiple Chase credit cards, you may enjoy seeing all your points added up in one account — or at least you should. The most valuable place to hold your Ultimate Reward points would be in a Chase Sapphire Reserve account — where you can transfer to the Chase travel partners, or redeem directly for travel at a rate of 1.5 cents a point. If you aren’t lucky enough to carry around pure Chase metal in your wallet (the Chase Sapphire Reserve is a metal card), your Sapphire Preferred or Ink Business preferred accounts also grant access to the transfer partners, but only redeem for travel at a rate of 1.25 cents a point (still a great value). One of these products (or multiple), coupled with the Chase Freedom products make for an incredibly lucrative wallet.

The point of all this is to put all your hard earned points together and redeem for the most value possible — so let’s make sure we know how to do it.

Transferring from one Chase account to another

I am going to go over how to transfer from one personal account to another. While you can transfer from your account to someone else, or from a business to a personal (or vice versa), that is not what we are going to go over here.

The back story (if you need one), is that I got the sign-up bonus of 50,000 points on my Sapphire Preferred, but knew all along I’d be transferring those points to my Reserve account where they are most valuable. Which leads me here.

1. Enter the Ultimate Rewards portal on your Chase homepage.

EnterURPortal2. You’ll know have to enter into the credit card account which you intend on moving points out of — I chose my Chase Sapphire Preferred account, as my intention is to transfer the points from this account into my Reserve account.


3. If you click your total number of points in the top ribbon, it will bring down a menu with all your Chase accounts. At the bottom of this menu there is a link to “Combine Points” — you will want to click this.


4. This will bring you to a page to select ‘to where’ and ‘from where’ you’d like to transfer your points. You’ll notice I selected my Preferred account originally, so that is the default card to transfer from.


Click continue.

5. At this point I can either transfer “All my points” or some “other amount.” I am transferring all my points. 


6. At this point you are just going to review the details, confirm, and submit. 


7. The points should be transferred into your account instantaneously.


Bottom Line

One of the many benefits of the Chase portfolio products is the usability of their online interface. I for one love the fact that I don’t have to get on the phone, punch through multiple steps of questions, talk to numerous agents, all just to make a rather seamless transaction. Many of the Chase cards are powerful in their own right, but when you are able to combine their points all together, and redeem through the portal (!), your opportunities are endless.

Tucker is an avid points and miles enthusiast. Being fully involved in the world of credit cards and frequent flying for only a few years now, he brings a very fresh and unique perspective to the world of travel.


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