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How to combine Chase Ultimate Rewards between accounts

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How to combine Chase Ultimate Rewards between accounts

Each Monday Miles has decided to drop a tip, hint, tutorial, trick that maybe you’ve missed or haven’t heard before. If you’re an expert in this field, some of these may be things you already know, but there are a lot of beginners out there who are just getting their feet wet. This week the Monkey Miles Monday Memo shows you how to move Ultimate Rewards between accounts.

I wrote an article last week reminding people to activate their Chase Freedom 5x Q2 2020 Bonus Categories. This is an outstanding way to earn points on points on points, and if you carry a Premium Ultimate Rewards card, you can move your Freedom points into it to transfer to travel partners. 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 Freedom to a Preferred or an Ink Business Unlimited to Ink Business Preferred as I show.

Step 1: Log in

How to move Ultimate Rewards between accounts

Step 2: Go to  “Redeem 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

Step: 3: You’ll see the log in Screen – click the three bars for a drop down menu. At the bottom you’ll see “Combine Points”


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


Step 5: How many points do you want to transfer

Step 6: Review your order

And confirmation

Hope this helps!

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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. 

Welcome Offer

60k Points after $4k spend in 3 months

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

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.

  • 3x on dining
    •  including eligible delivery services for takeout
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
  • $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 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 Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
  • Points are transferrable to 13 Ultimate Rewards partners
  • Redeem in the Chase Travel center for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Primary rental car coverage is my favorite

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. 


  • […] When you pair your Chase Ink Business Cash® with a card that earns transferrable Chase Ultimate Rewards like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Chase Ink Business Preferred® Credit Card you can combine the points into that account to make them more valuable – you can read our full explanation of how to combine points here. […]

  • […] As long as you have one of those cards, your points can be moved from Chase and into any of the programs listed below, including Marriott. If you have a Chase Freedom Unlimited, Chase Freedom Flex, Chase Ink Business Cash or Chase Ink Business Unlimited AND one of the cards listed above, you can merge those points into the account with transfer capabilities. If you’re unfamiliar with that feature, read this article. […]

  • Jinxed_K February 13, 2023

    Is there a way to add the Ink Business Cash to the same account as a CSR through the website/app or is this something you have to call Chase for?

  • […] If you carry a cash back card alongside those premium cards, you can merge your points together. Read about that here, but it’s why I stress carrying at least two to increase your earn […]

  • Alex December 27, 2021

    How do you add an account you want to move/combine the UR points to?

  • Cara March 3, 2021

    Do my Chase Freedom UR get combined at 1:1 or is it less since I get 1.25x redemption value with my Chase Sapphire Preferred?

  • […] Chase allows you to transfer Ultimate Rewards between accounts. This is fantastic because Chase offers other credit cards that earn more points per dollar on certain categories, but often times those cards don’t earn Premium Ultimate Rewards.  You can then transfer them into your Chase Sapphire Preferred account, and voila, they are converted into Premium Ultimate Rewards which can then be transferred into partner programs. You can easily move them between household accounts as well! […]

  • […] You can go here to read how you can move points from account to account. […]

  • […] earns Ultimate Rewards, you can convert your Freedom Unlimited Cash Back into Ultimate Rewards. You can go here to learn how to do it.  I’ll break down the strategy below, but it’s a great way to get massive earn on your […]

  • […] or Transferable currency, like Amex Membership Rewards or Chase Ultimate Rewards can be moved into airline programs. Because I knew that Singapore, United, and Lufthansa are in the […]

  • […] stores and Drug stores you’ll be earning 5 cents/points back on every dollar you spend. Remember that you can transfer points between Chase accounts to realize their different values. Chase Freedom can only be taken as cash whereas premium cards can use points to transfer to […]

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