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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
Step 2: Go to “Redeem Rewards”
This can also be done by going to www.ultimaterewards.com and logging in, but this is what it would look like when you log in to Chase.com
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
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.
60k Points after $4k spend in 3 months
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.
Cards that earn flexible points and should be used on the bulk of your purchases.
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.