How to Combine Chase Business and Personal Points
How to Combine Chase Business and Personal Points
Chase Ultimate Rewards points are valuable. Many people have both business and personal Chase cards. This guide shows how to put all your points together in one account.
Table of Contents
- Why Combine Business and Personal Points?
- Cards That Allow Combining Points
- Step-by-Step Guide to Combine Points
- How to Use Combined Points
- Important Rules and Limits
- Frequently Asked Questions
Why Combine Business and Personal Points?
Putting all your Chase points together has many benefits:
- Easier to track - See all points in one place
- Better redemption options - Some cards give more value when points are combined
- Reach rewards faster - Combine small amounts to book trips
- More flexibility - Use points from any card for any redemption
Cards That Allow Combining Points
Not all Chase cards let you mix points. Here are the cards that work:
Business Cards That Can Combine Points
- Chase Ink Business Preferred
- Chase Ink Business Unlimited
- Chase Ink Business Cash
Personal Cards That Can Combine Points
- Chase Sapphire Preferred
- Chase Sapphire Reserve
- Chase Freedom Flex
- Chase Freedom Unlimited
Note: Basic Chase cards like the Chase Slate cannot combine points. You need at least one premium card to transfer points.
Step-by-Step Guide to Combine Points
Follow these steps to move points between your Chase accounts:
Step 1: Log in to Your Chase Account
Go to the Chase website and sign in. You will see all your cards in one place.
Step 2: Open Ultimate Rewards
Click on "Ultimate Rewards" for the card that has points you want to move.
Step 3: Choose "Combine Points"
Look for the option that says "Combine Points" or "Transfer Points." It may be under "More" or "Account Management."
Step 4: Select Accounts
Pick which account to move points from and which account to move them to.
Step 5: Enter Amount
Type how many points you want to transfer. You can move all or just some.
Step 6: Confirm Transfer
Check the details and click "Submit." Points usually move right away.
How to Use Combined Points
After combining points, you have more ways to use them:
- Travel through Chase - Book flights, hotels, or cars
- Transfer to airlines - Move points to United, Southwest, or others
- Gift cards - Get cards for stores or restaurants
- Cash back - Get money back to your account
Premium cards like Sapphire Reserve give more value when you use points for travel.
Important Rules and Limits
Keep these rules in mind when combining points:
- You can only combine points between your own accounts
- Points must be from the same person (not between different people)
- No fee to transfer points between your cards
- Transfers happen right away in most cases
- Some cards must stay open to keep transferred points
Frequently Asked Questions
Can I combine Chase points with my spouse's account?
No. Chase only lets you combine points between your own accounts. You cannot mix points with another person's cards.
Do points expire when I combine them?
No. Combined points keep the same expiration rules. As long as one card account is open, your points stay valid.
Is there a limit to how many points I can combine?
No limit. You can move all your points from one card to another if you want.
Can I undo a points transfer?
No. Once points are moved, you cannot reverse the transfer. Check carefully before confirming.
Which card should I keep my points on?
Keep points on the card that gives the best redemption value. Usually this is Sapphire Preferred or Sapphire Reserve.