Chase Sapphire Reserve℠
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Question

Can My Fiancé and I Pool Our Chase Ultimate Rewards Points?

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TPG reader Vish sent me a message on Facebook asking:

“I’ve just applied for the Chase Sapphire Preferred, and my fiancé is applying for a Chase Freedom. I’m getting conflicting answers from Chase about whether we can transfer and combine points. Can you help?”

Chase has become much stricter about combining points this past year. A few years ago, one of my friends moved abroad and had a couple thousand points in her Chase Freedom account. She was able to transfer them into my Sapphire Preferred account, and all I needed was her credit card number. I was later able to use those points as normal and transfer them to partners.

However, Chase has recently cracked down on this kind of activity, and you’re now only allowed to transfer to your spouse or domestic partner. There isn’t much information available on what qualifies as sufficient proof of a domestic partnership. After speaking with representatives of the Ultimate Rewards program, it seems their main goal is to prevent people from selling points (which is against the rules of the program, and you can expect to have your account shut down if you’re caught doing this).

Generally, if you and your partner share an address, even if you don’t have the same last name, it should be fine. I’m sure there won’t be a problem in Vish’s case, since he and his partner are actually engaged. These policies are really in place to prevent fraud and misuse of the system. Chase has been pretty helpful in my experience, and if you do run into an issue, the fact that you’re engaged should be enough.

If you are engaged, you shouldn't have a problem combining points, getting you closer to your dream vacation of course. Photo courtesy of Shutterstock.
If you’re engaged, you shouldn’t have a problem combining points, getting you closer to your next vacation together. Photo courtesy of Shutterstock.

However, it never hurts to ask or even get it in writing if you want to feel secure, so you could call or message Chase customer service prior to transferring to make sure your transactions aren’t flagged. The earning power of the Chase Freedom card combined with the transfer options that come with the Chase Sapphire Preferred should put you well on your way to some lucrative award travel. Later on, you could also each get both cards so you can earn even more with the sign-up bonuses.

If you have any other questions, please tweet me@thepointsguy, message me on Facebook, or send me an email at info@thepointsguy.com.

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 Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 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