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 (No longer open to new applicants) 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.
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.