Travel on Points

How to Combine Ultimate Rewards

ToP walks you through how to transfer Ultimate Rewards among your Chase cards and how to combine them with members of your household.
Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

How to Combine Ultimate Rewards

ToP walks you through how to transfer Ultimate Rewards among your Chase cards and how to combine them with members of your household.

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

 Chase offers lots of flexibility for cardholders to combine their Ultimate Rewards. You can combine URs from all of your different cards into one. And you can also transfer URs between you and another member of your household. Below, we cover the basics of how to combine your URs.

Earning URs Across Different Credit Cards

Chase offers a lot of cards that earn valuable Ultimate Rewards. To be able to transfer URs to Chase's transfer partners, you need to have a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred card. Without having at least one of these three cards, you can only redeem your URs for cash back.

Many of Chase's other credit cards also earn URs, like the Chase Freedom Flex, the Chase Ink Cash, and the Chase Ink Unlimited. But to redeem points earned on these cards with airline or hotel partners, you have to transfer to either a CSP, CSR, or CIBP.

As regular readers know, transferring points to airline and hotel partners gives you the most value for your points. Ultimate Rewards, like other transferable points currencies, offer a lot of flexibility and outsized value compared to airline miles or hotel points.

Transferring URs to Another Member of Your Household

Until 2021, you could connect your Chase cards with another member of your household's own card via Chase's website. Unfortunately, that is no longer the case. Now, you have to call the number on the back of your Chase card to add a new card from someone within your household. Make sure to have the person's credit card number and other basic information with you when you call Chase.

After calling Chase and adding the household member's card, you should see it among the cards to which you can transfer your points. Once you do this, you can now move points from any of your Chase cards to that person's card. Once your points land on their account, they can in turn move those points among their own Chase cards.

Combining URs Among Different Cards

After earning URs across your different Chase cards, you will want to combine them into your or your P2's CSP, CSR, or CIBP. This is pretty straightforward and you can do it as often as you want online.

To do this, you will need to access Chase's Ultimate Rewards website. You can do this in a couple of ways. First, you can log in to your Chase account, select one of your credit cards, and click on “Redeem.” This option appears right next to where you see your current UR balance.

Another option is to go directly to http://ultimaterewards.com and log in through there. This website uses your same Chase log-in information.

Once logged in, you can click on “Earn/Use” at the top of the page, next to where your points balance appears. This will show all the options of what you can do with your URs. Click on the last option: “Combine Points.”

The main dropdown menus shows you options of what you can do with your Chase URs. The last option, “Combine Points,” lets you transfer points to your other cards and to another member of your household.

Next you should see a list of all of your Chase cards that earn URs. These include the CSP, CSR, and CIBP mentioned above, as well as the Chase Freedom Flex, Chase Freedom Unlimited, Chase Ink Cash, and Chase Ink Unlimited. You can move points among all of those cards as much as you want. Just select the card from which you want to move points on the left, and the card to receive those points on the right.

You can move Ultimate Rewards from the cards on the left-hand column to the cards on the right. P2's card is highlighted in the bottom right.

If you added another household member's card, that card will show up at the bottom of the right-hand column. This means you have the option of sending your Chase URs to that person's card. In the screenshot above, P2's card is highlighted.

Once you select the card to which you want to send the points, you will be asked how many points you want to transfer. This is the same process whether you are transferring to another one of your own cards or to a member of your household. Chase lets you transfer in any increments that you want. Unlike with transfer partners, you do not need to transfer in increments of 1,000. In the screenshot below, I chose to transfer some of my URs to P2's card.

Chase lets you transfer points in any increments.

After you click “Review,” you will have one more opportunity to review the transfer. On this next screen, you must click “Submit” to finalize the transfer.

Clicking “Submit” will finalize the points transfer.

The transfer is instant. After clicking “Submit,” Chase will display the confirmation page confirming that the points transfer went through.

The example above involved a transfer to another household member. But the process is the same if you were transferring to one of your own cards.

Final Thoughts

Combining URs with another member of your household can be helpful for many reasons. If you're the primary travel planner, it makes sense to transfer P2's points over to you. Combining URs can also help leverage elite status. For example, if your P2 has higher status with Hyatt because they travel a lot for work, it would make sense to have them book your family's Hyatt stays.

What trips have you planned by combining your Ultimate Rewards points? Come share your thoughts in our Facebook group!

 Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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