How to Transfer Credit Card Rewards To Another Person
Here at ToP, we've been detailing how each credit card rewards program handles transfers between account holders. One program allows the ability to transfer rewards to anyone who has the bank's credit card as well. Others have more restrictive policies. Here are all of the different banks' policies for how to transfer credit card rewards to another person.
Credit Card Rewards Transfer Rules: Full Breakdown
We'll discuss each bank's policies in detail, with a link to a longer post when warranted.
American Express
American Express runs the Membership Rewards program . Amex does not allow transfer between two Amex accounts directly. However, you can transfer Amex points to an authorized user's loyalty account to an American Express transfer partner. Authorized users have a 90-day waiting period after being added before you can perform the transfer.
Bilt
Bilt Rewards members earn Bilt Points. The program does not allow transfers between two Bilt Rewards accounts. However, you can transfer Bilt Rewards points to an authorized user's loyalty account to a Bilt transfer partner.
Capital One
Many Capital One cards earn Capital One Miles. Capital One allows transfers between any Capital One member that has a Capital One Miles earning account, with no limit. You can read our full guide here.
Chase
Chase runs the Ultimate Rewards program. The bank allows transfers between members who share the same billing address. You can check out our full guide for transferring Ultimate Rewards points here.
Citi
Many Citi cards earn ThankYou points. Citi allows transfers between any Citi member that has a Citi ThankYou points earning account, but only up to 100,000 points per year. Plus, points expire 90 days after transfer. Always have a plan to quickly use ThankYou points before transferring to another person. You can read our full guide here.
Wells Fargo
Wells Fargo allows points transfers to other Wells Fargo customers. You cannot transfer to another person's airline or hotel accounts. You can review our full guide to transferring Wells Fargo Rewards here.
Credit Card Rewards Transfer Rules: ToP Thoughts
It's great to see several banks offer transfers between members. This can help members accrue enough points or miles to redeem that next reward even sooner. While several programs only allow transfers out of the program to an authorized user, that might be convenient enough for family members traveling together.
For me, I like to earn as many Chase points as possible for my Hyatt addiction. Between my wife and me, Chase's rules allow us to share points between our Ultimate Rewards accounts for easier Hyatt point transfers.
