A 90-day wait to transfer points — reader mistake story

Nov 6, 2019

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Today, I want to share a story from TPG reader Matt, who hit a roadblock while trying to book a trip to Europe:

For Christmas this year, my dad told me I could redeem his 140,000 Delta SkyMiles. I wanted to use them to fly to London in Virgin Atlantic’s Upper Class. I found a flight that worked with my schedule, except the total cost was 160,000 SkyMiles. I thought I had a solution: I could simply transfer 20,000 of my Amex Membership Rewards points to my dad’s Delta account. However, I quickly found out how Amex and Chase transfer rules differ.

Two weeks prior, I added my dad as an authorized user on my American Express® Gold Card, because I knew members can only transfer Membership Rewards points to their own loyalty accounts or to accounts belonging to an authorized user. What I didn’t know is that authorized users have to be on your account for at least 90 days to be eligible to receive transfers (unlike Chase).

Because of this rule, I’m currently unable to transfer the extra 20,000 points I need. In the end, I decided to wait until January to book this trip for a summer 2020 vacation in London.

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The ability to pool and share rewards among loyalty account holders makes it easier to save for and book award travel. However, the protocol for transferring points between members is different for each loyalty program. American Express won’t let you transfer points to another Membership Rewards account, but you can transfer points to the airline or hotel account of an authorized user. As Matt learned, that authorized user must be on your account for at least 90 days to be eligible to receive transferred points, but they don’t need to have any special relationship to you — simply being an authorized user on your account is sufficient.

Chase doesn’t impose a time requirement to transfer Ultimate Rewards points to another member, but does require that the recipient be a member of your household (or an “owner of the company” for business cards). In comparison, Citi ThankYou Rewards and Capital One Rewards let you transfer to other members regardless of your relationship or how long your accounts have been active, though Citi caps the number of points shared or received at 100,000 annually, and enforces a strict expiration policy of 90 days from the transfer date. For its part, Marriott Bonvoy also caps transfers, and only allows sharing between accounts that have been open for 90 days (or 30 days with qualifying activity).

These various restrictions may seem onerous when you’re up against them, but you can work around them with advance planning. Just make sure you know the rules if your next award involves transferring or sharing points with someone else.

Related: 21 airlines that allow families to pool miles

I appreciate this story, and I hope it can help other readers avoid making the same mistake. In appreciation for sharing this experience (and for allowing us to post it online), I’m sending Matt a gift card to enjoy on future travels, and I’d like to do the same for you. Please email your own travel mistake stories to info@thepointsguy.com, and put “Reader Mistake Story” in the subject line. Tell us how things went wrong, and (where applicable) how you made them right. Offer any wisdom you gained from the experience, and explain what the rest of us can do to avoid the same pitfalls.

Feel free to also submit your best travel success stories. If your story is published in either case, I’ll send you a gift to jump-start your next adventure. Due to the volume of submissions, we can’t respond to each story individually, but we’ll be in touch if yours is selected. I look forward to hearing from you, and until then, I wish you a safe and mistake-free journey!

Featured photo by Jack Finnigan/Unsplash.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles after you spend $3,000 in purchases within the first three months of card membership. Plus, earn a $200 statement credit after your first Delta purchase within the first three months. Offer ends 7/28/21.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

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More Things to Know
  • Limited Time Offer: Earn 90,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months and a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer expires 7/28/2021.
  • Limited Time Offer: Plus, get a 0% intro APR on purchases for 12 months from the date of account opening, then a variable 15.74%-24.74%. Offer expires 7/28/2021.
  • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
0% on purchases for 12 months
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

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