Chase Ultimate Rewards: Transferring from a business account to a personal account

I started this series a bit ago and then got caught up in other things. So I want to go ahead and continue on with the series as I know everyone has been anxiously waiting for the next installment — I assume no one has been able transfer their Ultimate Rewards from a business account. Whatever will you do!

Transferring between personal accounts (combining points)

Transferring from a business account to a personal account

Transferring Ultimate Rewards to a travel partner

Transferring your points to someone else

Tips & Tricks to managing your Chase points

The obvious trend in these posts is that Ultimate Rewards are powerful in themselves, but they are even more powerful because of all the different ways you can earn points. I’ve spoken at length about the Chase Trifecta, and some of your other options earning Chase Ultimate Rewards, but what I want to talk about here is the Chase small business cards.

Not only are there a ton of options for personal Chase cards, whether cash-back or travel, but there are also a ton of small business card options. I recently acquired the Chase Ink Business Preferred card, and completed the massive 80,000 point bonus after $5,000 in spend in the first 3 months — what many believe is the single best sign-up bonus on the market right now.

And the party doesn’t stop there. Chase has recently added the Ink Business Unlimited card to their portfolio, which also includes the Ink Business Cash card. Each of these cards has a $500 cash back (or 50,000 Ultimate Rewards) points sign-up bonus after $3,000 in spend in the first 3 months. And neither have an annual fee!

Just with those three cards you are looking at 180,000 Chase Ultimate Rewards! I got excited just typing that (I do understand that’s also after $11,000 in spend, and I will admit that excites me less). But now the real fun, why we’re all here.

Of course those points could get you a long way, especially by transferring to one of Chase’s travel partners (^^^^), but think about having them altogether! There is something about having all my Ultimate Rewards showing in one account that gets me going.

It’s also the idea of an even better redemption — put those 180,000 points from your business account plus xxx,000 points in your personal account — woah! The possibilities!

And luckily that is possible. Without further ado, here are the steps to getting your Chase Ultimate Rewards business points into a personal account.

1. Log in to your Chase Business account, and go to the Ultimate Rewards portal.


2. On the Ultimate Rewards homepage, go to “Combine Points” on the top menu.


3. Simply add your last name (or last name on the account), and the account number to which you want to transfer the points (Note: this is your credit card number).


4. You can now select the amount which you want to transfer. (I selected to transfer all my points)


5. Review the details, and you’re all set!


Bottom Line

Transferring points between accounts is really one of the easiest, yet most misunderstood things about the Ultimate Rewards program. I do want to point out however that people have suggested that Chase may be cracking down on this. Some forums and message boards I’ve read have alluded to the fact that you may no longer be able to do this, or it may come with a fee in the future.

I wouldn’t take my word for it, but you might as well consolidate your points now. And remember, put them into an account that will give you the greatest return — i.e. Chase Sapphire Reserve!

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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