How (and why) to combine your Chase Ultimate Rewards points into a single account

July 02, 2026 • 10 min read Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. Chase's Ultimate Rewards program can offer some incredible value. It's no surprise that the currency appears near the top of TPG's July 2026 valuations, checking in at 2.05 cents per point each. But one of my favorite things about the Ultimate Rewards program is how you can easily transfer points between your Chase credit cards. By combining Ultimate Rewards points into a single account, you can maximize the value you get out of every redemption. And you can even do this with a household member. With solid offers across Chase's product portfolio, including the return of the highest-ever welcome bonus on the Chase Sapphire Preferred® Card (see rates and fees), now could be the perfect time to familiarize yourself with this strategy for maximizing your Chase points. So, here's a tutorial on how to transfer Ultimate Rewards points between accounts and a look at when to consider doing so. Let's start with a brief overview of why this is so powerful. The various cards that participate in the Ultimate Rewards program have different redemption structures. Some are billed as cash-back. Others allow transfers to partner programs and feature Points Boost, which can extend the value of select redemptions via Chase Travel℠. Bottom line: Chase allows you to easily pool your rewards into the account that offers the most value. Even better? You can also do this with a member of your household, putting that next dream trip within reach. Here are the cards that allow this strategy: Daily Newsletter Reward your inbox with the TPG Daily newsletter Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts Email address Sign up Submitting... By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time. The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. The Ink Business Premier® Credit Card (see rates and fees) is also issued by Chase, but you can’t combine those rewards with other cards. Savvy readers may notice five cash-back cards on this list. However, when you hold the Chase Sapphire Reserve, the Chase Sapphire Reserve for Business, the Chase Sapphire Preferred or the Ink Business Preferred, you can effectively convert those cash-back rewards into more valuable points. There are two different types of transfers you can make: Related: How much are Chase Ultimate Rewards points worth? The first thing you'll need to do is ensure that your Ultimate Rewards-earning credit cards are all associated with the same online account — especially if you just got a new one, which should automatically appear shortly after getting appro…