Credit Cards

Strange – some of my Chase cards no longer have “combine points” as an option

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Chase recently updated their credit card landing page and I wanted to update my post, “How to combine Chase Ultimate Rewards.” I discovered a strange situation where I no longer had the option of combining points when starting the operation from my Premium Ultimate Reward Accounts that offer transferrable points: Chase Sapphire Preferred®, Chase Sapphire Reserve®, and Chase Ink Business Preferred®.

Premium Ultimate Rewards cards no longer showing “Combine Points”

As you can see below, the “combine points” button should populate in the “Rewards Details” section on the main landing page within Ultimate Rewards.

a screenshot of a credit cardCashback Cards still showing “combine points”

I thought perhaps this was a hiccup and only affecting my account. However, when I checked 3 other accounts, they faced the same situation. The only cards that could start the “Combine Points” transaction were the cards that earn cashback Ultimate Rewards: Chase Freedom Flex(SM), Chase Freedom Unlimited®, Chase Ink Business Cash®, and Chase Ink Business Unlimited®.

a screenshot of a credit card

Can still merge between Premium Ultimate Rewards Accounts

However, once I go to Combine Points I can move between cards that earn transferrable premium Ultimate Rewards just fine, I just can originate from those accounts.

a screenshot of a credit cardA possibly worrisome Recap

I’m hoping this is just some sort of technical issue and isn’t a sign that Chase may discontinue the ability to merge Ultimate Rewards between accounts, especially from those that are earned from their cashback cards that earn Ultimate Rewards. It’s a weird thing that all 4 accounts I checked are facing the same issue.

Drop me a comment below if you’re seeing the same thing, or if you’re not. 

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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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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

*you may find an elevated offer walking into a branch – see below

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 75,000 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℠
    • Some people have seen Chase branches offering the following:
      • 75k Ultimate Rewards After $4k spend in 3 months + 10k Ultimate Rewards after $6k in 6 months 
  • 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.


  • TJ October 17, 2023

    Same issue here. I called Chase and they said not to use the app and to go through It worked, combine points link was showing via that url.

  • Peter W October 15, 2023

    I noticed this tonight in my account as well. Hoping it’s just a technical glitch.

  • JV October 14, 2023

    I have had this issue for a couple years it seems. I just send a secure message each time. It’s Moreno a hassle and I tell them every tike to restore the online functionality and save us both time, but I just get platitudes back.

  • Midhart90 October 14, 2023

    I just tested and it works fine for me. When I logged in, I was greeted with a big grey “We’re upgrading our systems” banner, so any issue you’re experiencing is probably related to that. I had a similar issue a while back where Chase Offers would randomly disappear, only to reappear when I checked back a few hours later.

    I wouldn’t read into this unless it’s still happening once that banner is gone.

  • TX322 October 14, 2023

    I was shocked to see I also have lost the ability to combine points on my Ink Business Preferred cards. Doing a quick check, I was, however, able to move points from my old Business Ink Plus card to one of the Ink Business Preferred cards, just not the other way around! I hope this is is only a technical glitch. I haven’t seen anyone other than Monkey Miles even mention this issue online.

  • The Other Sam October 14, 2023

    I’m having the same issue, and so is my wife’s account.

  • Kay October 14, 2023

    I am having trouble as well and it’s concerning. It’s the reason I got two cards.

  • Johnson October 14, 2023

    It’s still there. On the app, it’s under home, rewards details, and you will see combine points at the bottom of the list

  • Johnson October 14, 2023

    So I also checked, it’s there but you have to navigate though the site.

    On the app, click on home on the top left then rewards details and you will see the combine points.

  • […] initial report came from Zachary at Monkey Miles, and numerous other reports have since followed. While I haven’t personally experienced this […]

  • Origami October 13, 2023

    Just checked my cards, as I only have personal and business UR cards. Both my Ink Preferred and Sapphire Preferred show “Combine Points” as an option. hopefully just a glitch on your end.

  • Robert B October 13, 2023

    I dealt with this the other day trying to transfer from my business Ink and my personal Sapphire. When I searched how to do it on the site, it still told me the old method. When I called in they combined points for me and told me that we have to call in going forward. I feel like it’s only a matter of time before they’ll no longer allow these transfers.

  • J R October 13, 2023

    I am able to see the Combine Points button in the menu when I am in UR for my CSR.

  • MFK October 13, 2023

    My business accounts haven’t had the ability to transfer to my personal accounts for awhile now and I used to have to call Chase to move points to my CSP to transfer to partners. Now I have a Preferred and no longer have to do that, but still don’t have the functionality, either on the website or through the app, that you’re showing. Weird.

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