How to combine Chase credit card points in your household
Quick insights
- Members of the same household can combine their Chase Ultimate Rewards™ points.
- You can only combine your rewards points with one person, and they must share your address.
- You also can combine Chase Ultimate Rewards points between your own Chase credit cards.
When you live with someone, you likely share a lot of things—food, bills and household responsibilities may be some of them. If you have Chase credit cards, you also may be able to combine and share your Chase Ultimate Rewards points. In this article, we’ll discuss how you can combine your credit card points and why you may want to.
Combining Chase Ultimate Rewards® points
Chase Ultimate Rewards is a loyalty program that allows Chase credit cardmembers to earn points on eligible purchases. Points are earned at different rates for different types of purchases and how you earn points can vary by Chase credit card.
Chase Ultimate Rewards can be redeemed in several ways, including:
- Travel
- Gift cards
- Cash back
- Merchandise
- Experiences
The more points you have the greater your rewards. That’s why combining points can be so appealing.
Chase allows for points transfers between cards and between accounts. You can combine points from one Chase card to another Chase card on your account. You also can combine points with others in your household.
One thing to keep in mind when combining points with another person is that both parties need to share the same address. You also can only designate one person to share points with. That person could be your spouse, partner, roommate or any family member you live with. It does not matter what your relationship is if they share your address. You cannot transfer points to friends or family members who live at a different address.
The benefits of combining Chase points within a household
There are a few reasons that you may want to combine points and a few potential advantages to doing so. They include:
- Reach goals faster: When you combine points you can pool your points and reach redemption goals faster. For example, it could help you get travel upgrades or higher gift certificate amounts by combining points.
- Higher rewards value: Because you can transfer rewards to different cards, you can increase the value of your points in certain cases.
- Keep your points: If you’re closing a Chase card, you can transfer points to any Chase card you have that remains open. That way you won’t lose any points when you close your card.
Combining points can be helpful for getting the points you need if you're just short of an award booking.
Considerations when transferring points
Keep in mind that once you transfer points, this action cannot be undone. So be sure you want to combine rewards before you move them.
There are no minimums or fees. You can combine as many or as few points as you’d like. You also won’t incur any fees or lose points when you do.
How to transfer Chase Ultimate Rewards points between cards
Combining Chase Ultimate Rewards points within a household can be a great way to maximize your rewards. Here's a step-by-step guide on how to do it:
- Log into your Chase account: You'll need to start by logging into the Chase account that has the points you want to transfer.
- Navigate to the Chase Ultimate Rewards section: Once you're logged in, find the Chase Ultimate Rewards section. This is typically in the main menu of your account dashboard.
- Select "Combine Points": In the Chase Ultimate Rewards section, you should see an option to "Combine Points". Click on this.
- Choose the card to transfer points from: You'll be asked to select which card you want to transfer points from. If you have multiple Chase cards earning Ultimate Rewards points, choose the one that has the points you want to combine.
- Enter the recipient's information: You'll need to provide the details of the Chase account you want to transfer points to. This will typically include the account holder's name and card number.
- Confirm the transfer: Once you've entered all the necessary information, you'll be asked to confirm the transfer. Make sure all the details are correct before you proceed.
In summary
You can transfer and combine Chase Ultimate Rewards points between cards and members of the same household. You can only combine your points with one person, and they must share your address. You also can combine Chase Ultimate Rewards points between your own Chase credit cards. By combining points, you may be able redeem them for greater rewards.
