Chase May End Pooling Points Between Accounts, Household Members

Chase Sapphire

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For more information check out our Advertising Disclosure.


It hasn’t been confirmed yet, but Frequent Miler is citing a source saying that Chase will soon end the ability to combine points between different credit cards as well as household members. If true, this is a big blow to one of the most valuable credit card currencies out there. We’ll keep you updated as the details of this shake out.

You should act now if you have multiple Chase credit cards or have been planning to combine points with a family member for a redemption before it’s too late.


What’s Happening?

Chase offers some of the best travel rewards credit cards on the market. There’s the Chase Sapphire Preferred,  which is our #1 starter card. Chase also offers the Chase Sapphire Reserve, which we’ve named the #1 overall travel rewards card.

One of the beautiful things about Chase Ultimate Rewards is that you’re able to combine your point balances across different accounts, and doing so is easy and instant. This is often a no-brainer move, as you get much more out of these points with certain cards.

For example, the Chase Sapphire Reserve gets you 1.5 cents per point when you book through the Ultimate Rewards portal. Meanwhile, the Chase Sapphire Preferred will get you 1.25 cents per point.

For other cards like the Chase Freedom and Chase Freedom Unlimited, you can convert the cash back bonuses into points. Pooling those points to a card that allows you to transfer to airline and hotel partners makes for a seamless system, and an incredible combination to earn and use points. You can only do that with the Preferred or Reserve cards.

While the timeline of the potential change isn’t clear, Frequent Miler explains Chase is considering ending the ability to pool points between accounts and household members. The blog’s source “confirmed that it is a serious point of discussion that is actively being pursued at high levels.”

With the timing of such a changeup in the air, it’s smart to combine your points in the account that gets you highest return and allows you to transfer points to airlines or hotels. If you hold the Chase Sapphire Reserve, that should be the obvious choice. Otherwise, your Sapphire Preferred account is your next best bet.

There’s no downside to combining points proactively.   You could simply shift them back around if Chase doesn’t follow through with this change.


Combining Points & Household Transfers

Combining points between individual Chase accounts is simple and straightforward. Once you’re logged into your Chase account, navigate to the Ultimate Rewards portal. From there, select “Combine Points” from the main menu.



Your next move is to select the card you want to transfer points out of, then the card you want to move them into. Hit continue, then enter the number of points you want to move over.

Transferring Chase points between household members takes a few extra steps, but it can be done in just a few minutes. Head back to the “Combine Points” page but this time select “Add Household Member.” Chase allows pooling points as long as the billing address matches the account you’re sending points to.

Once here, Chase requires the account number of the cardholder you are transferring points to, as well as their last name. Again, this transfer is generally instant.



Bottom Line

It’s tough to weigh in on an unconfirmed report, but Frequent Miler has a great track record when it comes to breaking stories of big changes at banks. Regardless, you’re better safe than sorry, and it doesn’t hurt to act now as if this change will take place. We’ve got our fingers crossed that it doesn’t.


Subscribe to our Newsletter, like us on Facebook, and follow us on Twitter & Instagram


Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer.

Leave a Reply

Your email address will not be published. Required fields are marked *