Can you transfer Chase points to another person?

Potential to earn extra points, but transfer partners can be limited.

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Consider transferring your points from your Chase Ultimate Rewards to a spouse or someone else if you’re saving for a vacation or purchasing a big-ticket item. But make sure you have authorized users listed for your loyalty program.

Rules for sharing Chase points

Restrictions on transferring points depend on where you’re transferring them — to another person’s loyalty program, or Chase account.

Transferring Chase points to another person’s loyalty program

If you plan on transferring points to another person’s loyalty program, that person must be listed as an authorized user on your credit card account. That person will then be the only authorized user who can receive point transfers to their loyalty program.

Points transferred to loyalty programs must be moved in 1,000-point increments.

Transferring Chase points to another Chase account

Moving points between Chase accounts is a little more forgiving. You can transfer your points to another Ultimate Rewards card that you own, or to a member of your household.

How to transfer Chase Points to another person

Transferring your Chase points to another Chase account is straightforward.

  1. Log in to your Chase account and select the Chase card you wish to transfer points from.
  2. Click on Redeem rewards to enter the Ultimate Rewards page.Chase Points Screenshot
  3. Open the top menu bar and click Combine Points.
  4. Chase Points Screenshot

  5. Enter the requested information of the account you wish to receive your points. If you’ve already entered their information, they will automatically show up as a choice.

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  1. Select the number of points to transfer and click Review. From there, confirm your final selection and the points are on the way.

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How to transfer points to another person’s loyalty program.

Transferring your points to another person’s loyalty account is a similar process with a few small differences.

  1. After selecting the credit card you wish to transfer points from, select “Transfer to travel partners” from the top menu bar.
  2. Next choose your desired transfer partner from the list and click on “Transfer points.”
  3. From here, you’ll need to choose the recipient of your points. You’ll need to select the recipient from the drop down box and enter their respective loyalty program member ID in the fields. Note that for personal cards, only you and your listed household member will be available for selection.
  4. Once the entered information is accepted, you can select the number of points you’d like to transfer and click “Confirm” to complete the transfer.

In many cases, points transferred this way are processed and available instantly in the loyalty account. However, some loyalty programs may require a day or more for processing. Check out our Chase travel partners page for more information.

Why should you transfer Chase points to another person?

The ability to transfer Chase points is one of the primary features that makes Chase Ultimate Rewards points so strong. Points transferred to travel partners can more than double in value, letting you stretch your rewards even further.

Pooling your Chase points with another person is a great way to redeem on bigger and better things, such as airline flights or vacations abroad.

Compare Chase Ultimate Rewards cards

Name Product Filter values Rewards Purchase APR Annual fee
2x points on travel and dining and 1x points on all other purchases
17.74% to 24.74% variable
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
18.74% to 25.74% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn $200 cash back after spending $500 in the first 3 months from account opening.
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.74% to 22.74% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®

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Bottom line

Combining Chase Ultimate Rewards points is a great way to quickly save up for a great vacation or other expenditures for you and your family. Just remember that your loyalty program transfer partners are limited.

If you don’t already have one of these cards, compare Chase rewards credit cards to find the best option for you. Then you can maximize your points by pooling or transferring them to another person.

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