How to Transfer Chase Ultimate Reward Points
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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.
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!
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| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.