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Can I Transfer Chase Ultimate Reward Points From A Family Member’s Account To Mine?

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TPG reader William emailed me to ask:

“I have had a Chase Sapphire Preferred for quite awhile. I recently had my wife get her own card. We are finishing up the minimum spending and her 40,000 points will post shortly. I’d like to know if I can transfer her Ultimate Reward points to my Ultimate Rewards account to combine them since my account already has 150,000 points. Your thoughts?” 

Yes, you absolutely can transfer her points into your account. That’s the beauty of Ultimate Rewards, they are much more flexible about things like transfers than many other programs. You can combine other people’s accounts with your own, and do it entirely online. However, you do have to enter a credit card number in order to do the transfer, so be careful doing this with anyone you don’t know well since once those points are transferred, they’re gone.

Ultimate Rewards

The ability to transfer them quickly and easily makes Chase Ultimate Rewards Points extra valuable, but you don’t want to abuse this by selling points or doing it too much with accounts of people who are not immediately related to you as there have been instances where Chase will shut down your account for what they consider “inappropriate activity.” So if Chase sees you transferring points to a million different accounts or abusing this privilege, just keep in mind your account may be shut down and your points taken away, so use caution.

Anyway, this is the reason I just love my Ultimate Rewards points, they are ultra flexible. Even with a Freedom or Sapphire account, which do not allow you to transfer UR points to the travel partner programs, you can combine the points you earn from those cards with those you earn with a premium Ultimate Rewards card like the Sapphire Preferred or Ink Bold or Ink Plus, and then you can transfer out to partners from there.

Related posts for more detailed information:

 Maximizing Ultimate Reward Points

Is Chase Cracking Down On Ultimate Reward Transfers?

10 Ways To Maximize Each Ultimate Rewards Transfer Partner

Let me know if you have any other questions by messaging me on FacebookTweeting me or emailing me at

Chase Sapphire Preferred® Card

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  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 16.24%-23.24% Variable Introductory Annual Fee of $0 the first year, then $95 0% Excellent Credit