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Can you transfer Chase points to another person?

There's potential to earn extra points, but transfer partners can be limited.

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Steven Dashiell
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You can transfer your points from your Chase Ultimate Rewards to a spouse or someone else in your household. This is especially useful if you’re saving for a vacation or purchasing a big-ticket item. But make sure you have the other person listed as an authorized user on your account if you transfer points to their frequent traveler program.

Rules for sharing Chase points

Restrictions on transferring Chase Ultimate Rewards points depend on where you’re transferring them — to another person’s frequent travel program, such as Marriott Bonvoy or IHG Rewards Club, or another person’s Chase Ultimate Rewards account. The only thing transferring points has in common is that the person receiving the points must be a member of your household.

Transferring Chase points to another person’s frequent travel program

If you plan on transferring points to another person’s frequent traveler program, for example Marriott Bonvoy, 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 Ultimate Rewards 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. The other member doesn’t need to be an authorized user on your account.

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.
    Chase Points Screenshot
  4. 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.

    Picture not described

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

    Picture not described

How to transfer points to another person’s frequent traveler program.

Transferring your points to another person’s frequent traveler 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 frequent traveler programs may require a day or more for processing. Check out our Chase travel partners page for more information.

When does it make sense to 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 sometimes 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

You can maximize your Chase rewards points with the right credit card. This way, you’ll have more points to transfer to members of your household. But before you apply for a card, compare all Chase Ultimate Rewards credit card options and choose the one that makes the most sense for your spending.

Name Product Filter values Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
View details
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Ink Business Cash℠ Credit Card
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
See offer
View details
$750 bonus cash back after you spend $7,500 in the first 3 months.
Ink Business Unlimited℠ Credit Card
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
See offer
View details
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
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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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