Chase Ultimate Rewards Transfer Loophole

Earlier this month we covered how Chase was changing it’s rules and no longer allows an Ultimate Rewards transfer to another person’s frequent flyer or hotel loyalty account. While Chase no longer allows transfers to another person’s loyalty accounts you can still transfer Ultimate Rewards to another person’s Ultimate Rewards account if they are in the same household. Basically if another person has the same address as you, then you should be able to transfer to them. I tested it out this morning with Mrs. TT and it worked without issue.

Thrifty Tip: I would recommend you don’t abuse this as Chase keeps an particularly close eye on Ultimate Rewards transfers. They will shut your cards down if they suspect you are selling points and miles.

Thrifty Tip #2: With the recent Hyatt Diamond status match opportunity, Ultimate Rewards make a great transfer to Hyatt! I know I will be using my points at Hyatt in 2016!


Ultimate Rewards Transfer

Ultimate Rewards Transfer Partners


How to:

  1. Log into your Chase account and click on “Go to Ultimate Rewards” on the right column
  2. Click on your Ultimate Rewards point total on the top right drop down menu and select “Combine Points”
  3. Select “Add Household Member” to transfer Ultimate Rewards points to another individual
  4. Enter their Account number and last name and check the box confirming they are in your household
  5. Complete your Ultimate Rewards Transfer


Ultimate Rewards Transfer

Household Member Confirmation


Bottom Line

I plan to use this method to transfer between other family members. If you all have the same last name I doubt you’ll have any issues transferring. The most important thing is to make sure you both have the same address when you transfer. I’m relieved you can still transfer Ultimate Rewards, which definitely makes them much more valuable!


Check out my Best Uses of Ultimate Rewards post for more tips!


Chase Sapphire Preferred Credit Card

  • 50k Ultimate Rewards bonus after $4,000 spend in 3 months ($625 or more towards travel)
  • Points can be used to book $625 worth of flight deals directly through Chase’s Ultimate Rewards portal
  • 2x points on travel and dining at restaurants, 1x points everywhere else
  • No annual fee the first year, then $95
  • No foreign transactions fees
  • Named a ‘Best Credit Card’ for Travel Rewards by MONEY Magazine
  • Earn 5k bonus points after you add an authorized user and make a purchase in the first 3 months
  • The best uses of Ultimate Rewards and a listing of travel partners.

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