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Your ultimate guide to family points pooling

March 06, 2021
20 min read
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Editor’s note: This is a recurring post, regularly updated with new information.

Let's face it: Families are at a disadvantage when it comes to award travel. They have to earn more points for more people and struggle to find multiple award seats on the same flight. When it comes to hotels, things aren't always better as you need to search for hotel awards that can house enough people in enough beds.

However, families (and even couples) can leverage "two-player mode" to apply for twice as many rewards credit card bonuses and promotions — and perhaps earn some referral bonuses along the way. Of course, having points spread out across multiple accounts makes them harder to use, so the ideal scenario is one where two people can earn rewards and then combine them into a single account for the family.

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Get to that next vacation sooner. (Photo by Shelby Soblick/The Points Guy)

The policies on points pooling vary widely by loyalty program. Some offer generous, family-friendly pooling terms and others nickel and dime you on the transfer so much that it probably isn't worth moving the miles around.

Today we'll review the different points pooling policies and which ones are best for families.

For each of these programs, we'll address three critical points:

  1. Whether points pooling is allowed at all
  2. What, if any, costs are associated with the programs
  3. Who is allowed to combine points

Chase Ultimate Rewards

The big three cards that earn transferable Ultimate Rewards points are the Chase Sapphire Reserve, Chase Sapphire Preferred Card, and the Ink Business Preferred Credit Card.

These cards earn points that you can transfer to hotel and airline partners such as United, Hyatt, British Airways, JetBlue, Marriott, Southwest Airlines and more.

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There are two ways to share Chase Ultimate Rewards points. You can move them into someone's Ultimate Rewards account or transfer them directly to their hotel/airline loyalty account (with lots of caveats).

To combine points into a household member's Ultimate Rewards account, look at the bottom left side of the Chase Ultimate Rewards menu, and you'll see an option to combine points. Click there to transfer points between your own Ultimate Rewards accounts or to someone else.

(Photo by Chase)

Chase lets you transfer points to one "member of your household," although that isn't clearly defined. You will need his or her last name and credit card number. As with most Ultimate Rewards transfers, transfers should process instantly. There are no fees associated with pooling Ultimate Rewards points. While this generous policy sounds like it's very easy to abuse, Chase includes a warning (emphasis mine):

“You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example, by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account.”

You can also transfer points directly to a household member's hotel or airline account, provided they are an authorized user on your Chase card account.

Chase Ultimate Rewards business cards

The terms for points transfers from a Chase Ink Business card are slightly different. You are allowed to transfer points to other owners of the business. Chase has been known to shut down accounts for offenses less serious than gaming the points transfer system, so I would tread carefully here and follow the rules to the letter.

What if you're in a questionable situation, such as transferring points to someone with a different last name (whom you aren't legally married to) or someone with a different billing address than yours? In this case, you should call Chase first and double-check that the transfer you're making is within the program’s terms.

Related: How to maximize your Chase Ultimate Rewards points

American Express Membership Rewards

Amex is one of the more restrictive issuers because it doesn't permit the transfer of Membership Rewards points between accounts. However, you can still share Membership Rewards points by transferring them to airline or hotel partner programs.

If you add your spouse or family member as an authorized user on your Amex Membership Rewards-earning card, you can transfer your points to their frequent-flyer accounts 90 days after you add them as an authorized user.

(Photo by American Express)

Note that this option isn't limited to families; you can do it for any authorized user on your account. Just remember that if you give them the physical card, you will be held responsible for any charges they make.

Related: How to redeem American Express Membership Rewards for maximum value

Citi ThankYou Rewards

In some ways, Citi has the most generous rules when it comes to pooling ThankYou points, though there are a few significant restrictions to be aware of. If you have a card such as the Citi Premier® Card or Citi Prestige® Card, the process is straightforward. But if you need a few pointers, check out the TPG guide to sharing ThankYou points.

Citi doesn't limit you to only sharing points with family members. You can share with anyone you'd like as long as they have a Citi ThankYou account and you can provide their information (name and account number).

The information for the Citi Prestige Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: How to transfer Citi ThankYou points between accounts

Before you begin sharing ThankYou Points, it's important to know that you can only share a maximum of 100,000 points a year. You can also only receive up to 100,000 points a year from others.

Even more important, points are only valid for 90 days after they are received. This has a few important implications. First of all, if you're trying to fly long-haul first class with your special someone, the 100,000-point limit might make it hard to do so. Secondly, you should only combine points once you've already found award space and are ready to book your trip.

That 90-day expiration window is restrictive and it would be a real shame to lose your points just because you transferred them too soon. You also can't go ahead and share those points received with someone else to extend the expiration window.

Related: Redeeming Citi ThankYou Points for maximum value

Capital One Miles

Gone are the days when Capital One miles weren't really miles. Now you can redeem Capital One miles at a fixed value to cover travel charges or transfer them to airline partners such as Avianca LifeMiles, Air Canada Aeroplan, Singapore Airlines KrisFlyer and more.

Capital One makes it free and easy to share miles with other Capital One cardholders so that your family can book those award travel sweet spots as quickly as possible. To share Capital One Venture or Spark miles, log in to your Capital One online account, navigate to Use My Miles and select Share Rewards. Here is a step-by-step guide to sharing your Capital One miles.

You'll then be able to transfer miles online without a transfer fee between your own Capital One cards (for example, from a Capital One VentureOne Rewards Credit Card to the Capital One Venture Rewards Credit Card). Alternatively, you can opt to transfer to someone else's Capital One account. You currently need to call in to complete the transfer, but it appears that it will be available online in the future.

Related: You can now easily share your Capital One miles with anyone

(Photo by Capital One)

Pooling hotel points

Families might be interested in pooling hotel points for several reasons. Perhaps only one parent has elite status with the hotel, but the entire family wants to enjoy a room upgrade and free breakfast benefit. Or maybe you are trying to take advantage of a fourth or fifth award-night-free benefit and need to book all the nights from one central account.

Marriott Bonvoy

Suppose you've recently opened a new Marriott Bonvoy credit card. In that case, you might be especially interested in pooling your welcome bonus points with a family member to book a longer or more luxurious trip. The good news is you can transfer Marriott points between accounts without a fee.

Pool Marriott points to take that trip to the Maldives. (Photo by Ethan Steinberg/The Points Guy)

Every Marriott Bonvoy member can transfer up to 100,000 points and receive up to a maximum of 500,000 points per calendar year. To transfer points, both accounts have to call customer service together. Fortunately, points typically transfer instantly.

Right now, you can earn Marriott points with these excellent credit card offers:

World of Hyatt

Hyatt goes a step above the competition, allowing members to share not just points but also perks. You can share points at no cost with any World of Hyatt member, not just someone in your family. If you want to share points, you'll need to have both the sender and receiver fill out this form (PDF link). When TPG reporter Benji Stawski did this in October 2020, the points posted within 48 hours.

Pool those Hyatt points to get away faster. (Photo courtesy of Hyatt)

The fine print says that you are allowed to combine "a sufficient number of points to redeem a particular award," though the form doesn't ask you to disclose how you intend to redeem the points. You are only allowed to participate in a points-sharing transaction once every 30 days — and they hold you to it, based on personal experience. There is also no annual limit on the total number of points that can be combined.

(Photo by Hyatt)

Those with Hyatt Globalist status can even book awards for others, who will then receive valuable Globalist perks (like free breakfast and room upgrades) via Hyatt's "Guest of Honor" program.

Free room service breakfast at the Park Hyatt Vienna thanks to Hyatt Globalist status. (Photo by Summer Hull/The Points Guy)

Since Hyatt makes it easy to share points, the World of Hyatt Credit Card could be a good choice for couples looking to pool their points.

Hilton Honors

While many programs seem to offer points pooling as an accommodation or one-off, Hilton's points pooling feature is designed to make your booking experience easier. You can start a "pool" with up to ten other members (for a maximum of 11 people in the group). Members can contribute up to 500,000 points to the pool.

The family-friendly Hilton Hawaiian Village Waikiki Beach Resort, Oahu, Hawaii. (Photo courtesy of Hilton)

You can then redeem Hilton points for room rates, shopping, experiences, or Points & Money bookings. Note that an individual member can receive a maximum of two million points a year through pooling.

If you need more Hilton points, here are the best Hilton credit cards for families looking for their next big Hilton redemption:

The information for the Hilton Aspire Amex Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

IHG Rewards Club

IHG Rewards Club is dead last among the major hotel chains when it comes to sharing and pooling points. Members can send and receive an unlimited number of points each year, but you'll be charged $5 for every 1,000 points you send. This can add an unexpected expense to planning your trip.

For example, if you want to send someone 70,000 points to book a night at InterContinental The Willard Washington, D.C., you'd have to pay $350 to do so. With room rates starting at just $80 more than that, you might as well save your points and book the entire thing with cash. During points sales, you can often buy IHG points for around the same cost as sharing them.

(Photo by IHG)

Pooling airline miles

TPG has previously covered 22 airlines with the most generous family points pooling programs. While JetBlue is an excellent option for many families with its free pooling for up to seven people, the only other U.S. airlines that make the points pooling list are Frontier, Hawaiian and Sun Country.

Noticeably absent were the three U.S. legacy carriers — American Airlines, Delta and United — and the family favorite, Southwest. Unfortunately, none of these carriers have a family points pooling program but do allow transfers for a fee.

Image courtesy of JetBlue

Each of these major U.S. airlines uses a tiered pricing chart for points transfers. Let's look at a few examples to compare:

Cost to transfer 1,000 milesCost to transfer 10,000 milesCost to transfer 30,000 milesMinimum / maximum transfer amountProcessing fee
American Airlines$15$150$450

1,000/200,000

Per year: can't send or receive more than 200,000 miles total

N/A
United Airlines$15$150$450

500/100,000

Per year: 100,000 maximum miles received, 100,000 maximum miles transferred

$30
Delta $10$100 $300

Per transaction: 1,000/30,000

Per year: maximum 300,000 miles received, maximum 150,000 miles transferred

$30
Southwest$20 for a minimum of 2,000 points$100$300

2,000/60,000

Maximum of 60,000 per day, but no annual cap.

N/A

While there's something to be said for a rapid transfer to book the award you want, paying several hundred dollars to get it might entirely wipe out the value of your award. If you're not in a rush, you should look into buying miles instead or seeing if you have time to sign up for a new credit card and earn the welcome bonus.

Alternatively, you could potentially book the award you want from an account that has sufficient miles. With the major U.S. airline programs, you can book award tickets for anyone, including family members and friends.

Once you look outside the U.S., the options for pooling miles grow fairly quickly. International airlines with free family pooling include Air Canada, British Airways, Etihad, Emirates and Turkish Airlines. It's also easy to top off your balances with these programs with transferable points.

Related: 22 airlines that allow families to pool miles

(Photo by Westend61/Getty Images)

Bottom line

Playing in two- or even three-player mode, where multiple family members apply for travel rewards credit cards to maximize perks and points, can be a great strategy to fast-track your next family vacation. However, if the points are stuck in separate accounts, the actual booking process can turn into a bit of a nightmare. Targeting programs that allow family pooling and free sharing can be an easy way to overcome this obstacle and get your whole crew on the road with less hassle.

Read on for more miles and points resources for families:

Additional reporting by Benji Stawski

Featured image by Getty Images
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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  • Some may have trouble using Uber/food credits
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  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
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  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
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

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 bonus points
  • Annual Fee

    $250
  • 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.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees