Skip to content

How to Transfer Chase Ultimate Reward Points

June 25, 2015
4 min read
How to Transfer Chase Ultimate Reward Points
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available. View the current offers here.

I've recently gotten several inquiries on how to combine and transfer Chase Ultimate Reward points to hotel and airline partners as well as transfer them to other Ultimate Rewards accounts. There are actually a few circumstances where combining points is possible, and I'm more than happy to go over the steps of how to get that done, as well as how to transfer the points to hotel and airline partners such as United, Hyatt, Singapore, and more. Transferring to hotel and airline partners is how I get the most value out of my Ultimate Reward points.

How to Combine Chase Ultimate Reward Points

Before we get into the how-to's of combining Ultimate Reward points with others, let's cover the situations where it is permissible according to the terms and conditions. You are permitted to move your Ultimate Reward points to another Ultimate Rewards card account belonging to you, your spouse, or your domestic partner. On the business cards you are also permitted to transfer or combine points with a or your joint business owner. If you venture beyond just transferring or combing points in those circumstances you risk Chase closing your credit card account and losing your points, so don't do it.

To combine points simply log into your online Ultimate Rewards account and click on your points balance. There will be an option in the drop down to "Combine Points".

There you will have the opportunity to move your points to another Ultimate Rewards account you have, or to transfer to your spouse, domestic partner, or joint business owner. You will need their full credit card account number in order to complete that transaction.

You might want to use this combine points feature in order to move Ultimate Reward points from cards like the Ink Business Cash Credit Card or Chase Freedom (No longer open to new applicants) to cards like the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card so that they can be transferred to hotel and airline partners instead of just used at a fixed value of one cent = one point for travel, gift cards, or statement credits. I love that only one spouse/partner needs to have a premium card like the Sapphire Preferred in order for both persons to be able to benefit from the transferability of Ultimate Reward points.

Sign up for our daily newsletter

How to Transfer Chase Ultimate Reward Points:

Once you have the Ultimate Reward points in a type of Ultimate Rewards account that allows transfer to hotel and airline partners the (Chase Sapphire Preferred, Ink Plus or Ink Bold cards) you can proceed with transferring the points to one of the following partners:

British Airways, Korean Air SKYPASS, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, Hyatt Gold Passport, IHG Rewards Club, Marriott Rewards, Ritz Carlton Rewards, and Amtrak Guest Rewards.

Again from your Ultimate Rewards online account you will have the ability to transfer Ultimate Reward points to a partner by navigating to "Use Points" then select "Transfer to Travel Partners".

If you have transferred to a particular partner before it will be saved in your account. If you want to transfer to a program for the first time you will need to enter the member name and frequent flyer/hotel loyalty number. You will also have to verify that the transfer is going to either yourself or your spouse/domestic partner's account.

Many, but not all, of the transfers to partners happen instantaneously. All are typically completed within a few business days at most. Some examples or partners that have always been instant transfers for me include United, Hyatt, and British Airways. I have had delays with Singapore and IHG.

Transferring points to hotel and airline partners is a one-way transfer, so be sure you want to make the transfer before doing so as it is not reversible. My family often gets much more value out of our Ultimate Reward points by transferring to hotel and airline partners and leveraging award chart sweet spots than we would using the points at a fixed value toward travel, gift cards, or statement credits.

If you have any questions about transferring or combining Ultimate Reward points feel free to ask away and I'll do my best to get your questions answered!

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023