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How to combine Chase Ultimate Rewards between accounts

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How to combine Chase Ultimate Rewards between accounts

I thought it’d be advantageous to show you how you can move points between accounts…it’s the same whether you move from a Chase Freedom Flex® or Chase Freedom Unlimited® to a Chase Sapphire Preferred® or Chase Sapphire Reserve® as it is from an Chase Ink Business Unlimited® or Chase Ink Business Cash® to a Chase Ink Business Preferred® as I show down below.

I’ve noticed that the option to combine points has been removed from any card that I have, my wife has, or my parents have that earns flexible Ultimate Rewards, and they are only populating on cashback cards. Weird.

Hope this helps!

Step 1: Log in, select a card, and Go to “Redeem Ultimate Rewards”

This can also be done by going to and logging in, but this is what it would look like when you log in to If you go you’ll skip this step.

a screenshot of a credit card

Step: 3: Click Reward Details

Once you’re inside your Ultimate Rewards account, you’ll see the following screen. Click the Rewards Details drop down menu. Only certain cards will have the “Combine Points” option.

Not all of my accounts are targeted to combine points. For instance, here is my Chase Freedom Unlimited® and you can clearly see under “Reward Details” that I have the option to combine points.


a screenshot of a credit cardHowever, in the past I’ve found on any card that earns Flexible Ultimate Rewards I didn’t have the option. It didn’t appear on any Chase Ink Business Preferred®, Chase Sapphire Preferred®, or Chase Sapphire Reserve® that I have access to. That seems to have been resolved, but it happens to you, don’t panic, this seems to be a glitch.

a screenshot of a credit card

Step 4: Select the accounts to transfer from and to:

a screenshot of a credit cardStep 5: How many points do you want to transfera screenshot of a social media account

Step 6: Review your order

a screenshot of a computer

And confirmation

a screenshot of a computer screen

Hope this helps!

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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Affiliate LInk

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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