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Starting today, we’re upgrading our “Sunday Reader Question” series! Our new “Reader Questions” will be answered three days a week — Mondays, Wednesdays and Fridays — by TPG Senior Writer Julian Mark Kheel.

Our Reader Question today comes from Victor, who sent us an email wondering why…

On the Ultimate Rewards website, when I hover over the ‘Use Points’ menu there is no option to ‘Transfer to Travel Partners.’ How can I transfer my UR points to United or another airline?

TPG Reader Victor

Now, a problem like this can be difficult to troubleshoot, since I can’t see exactly what you’re seeing on your computer or mobile device and I don’t want to start asking which browser you’re using or what model of MacBook because that road leads to endless frustration for both of us. But in this case, Victor was kind enough to send along a screenshot of what he sees when he’s on the Chase Ultimate Rewards site. It looks like this:

Sure enough, Victor doesn’t appear to have an option to transfer his points. In contrast, when I sign into the Ultimate Rewards portal, I see this:

So what’s going on here? Well, savvy TPG readers may have already noticed the other major difference in these two screenshots. Do you see it?

Take a look at the logos in the upper left corner. In Victor’s screenshot, he’s using a Chase Freedom or Chase Freedom Unlimited card, while my own screenshot shows a Chase Ink card.

While your Ultimate Rewards points can be combined across all your different Chase cards, you still must have at least one premium Ultimate Rewards credit card for the points to be transferable to airline and hotel partners.

So for Victor to see the option to transfer, he must have either a Chase Sapphire Preferred, a Chase Sapphire Reserve, an Ink Business Preferred or an older Chase card that might no longer be offered but is still transfer-eligible.

But there’s one other quirk. It’s possible Victor already has one of these other cards… but in order to transfer, he also must be signed in to the Ultimate Rewards portal using one of them.

When you first log in to Ultimate Rewards, if you have more than one Chase card you’ll be asked which card you want to access. In order to transfer points to travel partners, you have to choose one of your premium cards, not your Freedom card.

Remember that you can combine points between cards, so it’s easy to move points from your Freedom to your premium card and transfer them out from there.

Hope this helps clear up any confusion and thanks for your question, Victor! We’re now answering questions three times a week here at The Points Guy, so please tweet @thepointsguy, message us on Facebook or send an email to if you have any questions you’d like us to address.

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

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, 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.

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More Things to Know
  • 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®
  • 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, 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 on Purchases
Regular APR
17.99% - 24.99% Variable
Annual Fee
$0 Intro for the First Year, then $95
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.