How to Combine Chase Points with Another Cardmember

If you've got a bunch of airline miles, you generally can't move them to a friend or family member – at least not without paying a hefty fee that makes those transfers nearly worthless. But Chase Ultimate Rewards points? That's a different story.

Chase allows you to combine Ultimate Rewards points with another member of the same household. It's a big part of what makes Chase points so great for families. 

Say you picked up the the *chase sapphire preferred* last year to capitalize on a big bonus offer. Now, with the *chase sapphire reserve* offering a limited-time, 150,000-point bonus after spending $6,000 in the first three months, you could have your spouse or favorite travel buddy apply and then pool all those points together for a big trip! 

This can also be really helpful for getting the points you need if you're just a few thousand short of an award booking.

If you're considering a similar strategy, here's everything you need to know about making this a reality.

Related Reading: Can I Transfer Airline Miles to Someone Else?

Chase's Rules on Transferring Points to Another Member

It's Chase's world, and we're all just living in it. That means you have to play by the bank's rules.

In this case, Chase makes the rules crystal clear for transferring to other Chase account holders.

• Members of the same household can combine their Chase Ultimate Rewards^® points.
• You can only combine your rewards points with one person, and they must share your address.
• You can also combine Chase Ultimate Rewards points between your own Chase credit cards.

Translation: You can add one, and only one, household member to your account for the purpose of combining points. But whether that person is a relative, spouse, partner, or roommate, they have to share the same billing address … at least on paper.

In reality, you may not have to share an address. A member of our team recently combined points with a family member for an upcoming trip, and they don't live together or share an address (but they do have the same last name). Either way, you shouldn't abuse this feature, as the upside certainly isn't worth the risk.

Other banks handle points transfers somewhat differently. With the exception of Capital One, no other bank makes it as easy to combine points with another card member.

For example, American Express won't let you transfer Membership Rewards points to other cardholders, period. However, you can transfer Amex points to the frequent flyer accounts of your authorized users. Citi used to allow points transfers between cardmembers, but they killed that feature just last month. 

Related Reading: How to Combine Chase Personal & Business Accounts Online

How to Combine Points with a Household Member

If you're ready to combine points within your household, you've come to the right place. The process is similar to that of combining points between your own Chase cards that earn Ultimate Rewards points.

But if you haven't combined Chase points with another card member previously, you'll need to call Chase to make your first transfer. Simply call the number on the back of your Chase card and let the agent know that you would like to transfer all or some of your points to another member of your household. You'll need to provide the full credit card number of the person you are transferring points to, as well as the last name that is printed on their Chase credit card.

The process takes just a few minutes, and once they have your household member set up, you'll have the option to transfer points online in the future without having to call Chase.

Once that option is available online, you can simply head to log in to your Chase account, then head to the Ultimate Rewards portal. From there, you'll need to click “Manage rewards” and then “Combine points.” 

After clicking “Combine Points,” you'll see a dashboard with the option to transfer points between your own Chase accounts. Since I called Chase and transferred points to my wife's Sapphire Preferred account previously, that option also shows up as an option for me as well.

So long as you share the same billing address with the person you are attempting to combine points with, there should be no hiccups or issues, and the points should transfer into the other person's account immediately. Additionally, unlike when you transfer Chase points to airline accounts, there's no need to transfer in 1,000-point quantities. You can transfer any amount of points available in your account.

This process doesn't work quite the same in reverse, though. For instance, if my wife wants to transfer her Chase points into my account, she'll still have to call and set it up on her end. She won't see the option to do so online simply because I already combined points with her.

One additional thing to note: If you have multiple Chase credit cards that earn transferrable Ultimate Rewards points, you can designate different household members for each card to complete a transfer. That likely isn't necessary, but it is a nice option to have if you want the ability to move points between multiple people.

Another Option to Send Chase Points to Others

Much like other banks American Express, Capital One, and Citi, you can also transfer Chase points directly to an authorized user's frequent flyer account.

Once you've added an authorized user, it's simple to transfer points directly to that person's airline and hotel accounts. Just beware: These transfers are a one-way street. Once you send them from Chase into an airline or hotel account, you can't get them back into your Chase account. They will live with the airline or hotel program until they're redeemed.

Here are the options for transferring Chase points to airline and hotel accounts.

Of course, this option really only works if you're looking to consolidate points within a specific airline or hotel program. If you'd rather use your Chase points to book a flight deal directly, you're better off adding a household member and transferring points into another Ultimate Rewards account.

Bottom Line

It's fairly easy to combine Chase points with another cardholder … if you're part of the same household. If you haven't done it previously, you'll first need to call Chase to set up the transfer.

After you have created that path, you'll have the option to complete transfers online after that and combine points to use for future travel.