How to Combine & Transfer Points on Chase Credit Cards

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How to Transfer Cash Back & Points Between Your Chase Credit Cards

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If you have a credit card like the *chase sapphire preferred* or the *chase sapphire reserve*, it's possible to keep earning valuable Chase Ultimate Rewards points through some of Chase's no annual fee, cash back cards.

So whether you have a *freedom unlimited*, a Chase Freedom Flex℠, or even one of Chase's business cash back cards like the *chase ink cash* or the *chase ink unlimited*, you can turn the cash back earned by these cards into Chase points – as long as you already have a card open that earns Chase points.

Lucky for you, actually combining cash back and points between your Chase credit cards is easy.

Here's what you need to know.

Related reading: Have a Chase Sapphire Card? Here's What To Do Next


Why Would I Transfer My Chase Points Between Cards?

There are a few reasons you'd transfer your Ultimate Rewards points between cards.

  • You have a cash back card like the Chase Freedom Unlimited or Chase Freedom Flex, or a business cash back card like the Chase Ink Cash or the Chase Ink Unlimited and would rather have Ultimate Rewards points than cash back from spending on that card.
  • You want to strategize the use of your different Chase cards' earning categories. Some of the cash back cards earn more points in certain spending categories which can then be transferred into Chase Ultimate Rewards points.
  • You're closing a card and have points remaining on that card (but have another Chase card to transfer to).


How to Transfer Points Between Chase Cards

First things first, you need to log in to the Chase Ultimate Rewards portal where you'll see this menu bar of different options. Click “See More” and select the “Combine Points” option.


transfer points between chase cards
Select the “Combine Points” icon.


After clicking on “Combine Points”, you'll choose which cards you'd like to move points from and to.

I recently picked up the *chase ink unlimited*, and since I already have a *chase sapphire preferred*, I can send the points earned from my Chase Ink Unlimited Card to my Sapphire Preferred, which ultimately makes them more valuable. It allows me to use the stable of Chase transfer partners, and also allows me to get 1.25 cents each in value out of them through the Chase Travel Portal.

You'll note that you also have the option to transfer points to a household member (or company owner if it's a company card). You need to have the same address to add that household member and transfer points to them.

Related Reading: How to Combine Chase Points with Another Cardmember

All I need to do is select the card I want to move points from, and since I only have two Chase cards, it will automatically move the Sapphire Preferred Card into the “To” column.


combine chase points between cards


On the next screen, you'll select how many points you'd like to move. You can move points in any denomination of your choosing. In my case, I'm electing to transfer all 96,526 of my points associated with my Ink Unlimited Card to my Chase Sapphire Preferred Card.


combine chase points


Finally, you'll get to a screen to review the details of your points transfer. Chase provides details on the left-hand side of the points move. Simply hit “Submit” to move your points.


transfer and combine chase points


That's it! Once you hit “Submit” you'll get to a confirmation screen that shows your Chase points have been transferred to another card. Most importantly, the points will be immediately available for use.


Transfer and combine Chase points


Why You Should Consider Chase's Cash Back Cards

You’ve earned the big bonus on your Sapphire Preferred or Sapphire Reserve® and keep turning to your Chase card to earn more points. That may make sense in some scenarios, but the best way to keep adding to your stash of Chase points might be with other Chase cards.

Take a good, hard look at either the Chase Freedom Flex℠ or the *freedom unlimited* cards. They form a perfect tandem with your Sapphire Card – and best of all, neither has an annual fee.

While Chase markets both of these cards as cashback credit cards, they get exponentially more valuable if you hold either (or both) of them with a Chase Sapphire card. That’s because as outlined above, you can transfer the cashback earned from either card directly into your Chase Ultimate Rewards account, turning that cashback straight into Chase points. If you earn $100 of cashback, that becomes 10,000 Chase Ultimate Rewards points.

Most importantly, these cards are more lucrative for some of your everyday expenses rather than simply continuing to swipe your Preferred or Reserve card.

Let’s take a look below at the benefits offered by each of the Freedom cards.

Read more: Chase Freedom Flex vs Freedom Unlimited – Which Card is Right for You?


Chase Freedom Unlimited

  • *freedom bonus*
  • Earn 5% cashback on travel booked through the Chase Ultimate Rewards portal.
  • Earn 5% cashback on Lyft rides through March 2025.
  • Earn 3% cashback on dining
  • Earn 3% cashback at drugstores
  • Earn an unlimited 1.5% cashback on all other purchases.
  • No Annual Fee!


*freedom unlimited*


Learn more about the *freedom unlimited*.


Chase Freedom Flex

  • Welcome Offer Bonus: Earn a $200 bonus after spending $500 in the first three months of card membership.
  • Earn 5% cashback on rotating quarterly categories on up to $1,500 of spending which could include:
  • Earn 5% cashback on travel booked through the Chase Ultimate Rewards portal
  • Earn 3% cashback on dining, including takeout and delivery services
  • Earn 3% cashback at drugstores


chase freedom flex card


Learn more about the Chase Freedom Flex


Have a Business? Look at Chase Ink Business Cards

Small business owners (and believe me, you may be eligible for a business credit card without realizing it) who already have a card that earns Chase Ultimate Rewards points like the *chase sapphire preferred* or even the *chase sapphire reserve* can keep earning points with the suite of Chase Ink Business credit cards. In fact, it’s easier than ever.

Two of the Ink business credit cards – the *chase ink unlimited* and the *chase ink cash* – are worth a serious look.

No matter which version of the card you choose, you can earn $900 cash back after spending $6,000 in the first three months of card membership. This is a limited-time offer!

As long as you hold a card that already earns Ultimate Rewards points, this $900 cash back can instantly become 90,000 Chase Ultimate Rewards points to use towards travel.

Not sure which one to pick? Chase doesn’t restrict you from having both, so that’s an option. And while they offer some of the same benefits, there are other key differences between the Ink Cash vs. the Ink Unlimited cards you should be aware of.

Read More: Chase Ink Cash vs Ink Unlimited, Which Offers the Best Return For Your Business?


Chase Ink Business Cash Credit Card

  • $900 cash back (or 90,000 points) after spending $6,000 in the first three months of card membership.
  • The card has no annual fee
  • 5x points (5% cash back) on internet, cable, and phone service; office supply purchases on your first $25,000 of spending each year.
  • 2x points (2% cash back) on restaurants and gas stations on your first $25,000 of spending each year.
  • 1x points (1% cash back) on all other eligible spending
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost


*ink cash*


Learn more about the *chase ink cash*.


Chase Ink Business Unlimited Credit Card

  • $900 cash back (or 90,000 points) after spending $6,000 in the first three months of card membership.
  • The card has no annual fee
  • 1.5x points (1.5% cash back) on all purchases
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost


*ink unlimited*


Learn more about the *chase ink unlimited*.


As you can see, whether you hold a Freedom Card, an Ink Card, or both, they can help you earn more points than you would with a Sapphire Card alone. And thanks to how easy Chase makes it to pool those points into one account, it's a great option to maximize your spending with Chase credit cards.


Bottom Line

Whether you're closing a credit card or looking to optimize your Ultimate Rewards points, Chase makes it easy to transfer points between your Chase accounts.


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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