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. For an explanation of our Advertising Policy, visit this page.

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 Cash® Business Card or Chase Freedom to cards like the Chase Sapphire Preferred® Card or Ink Business Preferred 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.

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!

Know before you go.

News and deals straight to your inbox every day.

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

NEW INCREASED OFFER: 60,000 points! With great travel benefits, 2x points on travel & dining and a 60,000 point sign up bonus worth up to $1,200 in value, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game. Here are the top 5 reasons it should be in your wallet, or read our definitive review for more details.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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, 60,000 points are worth $750 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 on Purchases
Regular APR
18.24% - 25.24% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

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.