How to Combine Chase Credit Card Points in Your Household

Chase Ultimate Rewards are… GOATed. But really, they are already some of the most valuable and flexible credit card points out there. So everything I’m about to tell you is just the cherry on top.

There’s a lesser-known feature that can make your stash go even further, and that is the ability to combine points across your own Chase cards and even with someone in your household.

Whether you’re using the two-player mode with your partner, managing points across multiple cards, or just trying to book one big award trip together, this little trick can give you some serious value. Here’s exactly how it works and why you should absolutely be taking advantage of it.

Why Combine Chase Points With a Household Member?

If you live with someone else who also has a Chase card that earns Ultimate Rewards, you can combine those points into one account. And while that might not sound like a big deal, it can have a major impact on the value of your rewards.

You Unlock Better Redemption Options

Not all Chase cards are created equal when it comes to redeeming points. Only certain cards (specifically the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve®, and the Ink Business Preferred® Credit Card) earn points directly and will allow you to transfer points to airline and hotel partners. You can use other Chase cards to redeem for travel in the Chase portal (like the Chase Freedom Unlimited®, for example).

If someone in your household has one of those premium cards, you can transfer your points to their account and suddenly gain magical access to more valuable redemptions.

You Can Top Off For Award Bookings

Let’s say you have 52,000 points and your partner has 18,000. On their own, neither of you has enough to book that 70,000-point business class flight you’ve been eyeing. But by pooling your rewards, you can combine them into a single account and redeem them for the full amount. No need to split bookings or settle for separate flights (yay!).

You Can Protect Points If You’re Closing a Card

If you plan to close a Chase card that earns Ultimate Rewards, it’s important to transfer those points before you do. If you don’t, they’ll be gone in a massive black hole in outer space forever and ever.

But if you move them to an active card, either one of your own or a household member’s, you’ll keep the value and avoid wasting hard-earned points.

How To Combine Chase Ultimate Rewards Between Your Cards

If you personally hold multiple Chase cards that earn Ultimate Rewards, moving points between them is the easiest and fastest transfer you can make. This is especially useful if you use a no-annual-fee card for everyday spending but want to redeem through a more premium card.

Here’s How to Transfer Between Your Own Cards

1. Log in to your Chase account.

2. Navigate to the Chase Ultimate Rewards section.

3. Select one of your cards and click “Redeem” to enter the portal.

4. In the dropdown or sidebar, find and select “Combine Points.”

5. Choose the card you want to move points from and the card you want to move them to.

6. Enter the number of points (no minimum) and click to confirm the transfer.

These transfers are instant, free, and can be done as often as you want.

This is a great way to consolidate points into the card that offers the best redemptions, and it’s also a must-do step before closing any Chase card.

How To Combine Chase Points With Someone Else (In Your Household)

Combining points with a partner or family member who lives at the same address as you is also possible, but it requires a quick little setup.

Chase only allows you to combine points with one person, and they must share your address. That person can be a spouse, partner, family member, or even a roommate (as long as you both reside at the same place).

You’ll need to call Chase customer service to authorize this kind of transfer. It’s a super quick one-time call that links your accounts for future sharing.

Here’s how it works:

1. Call the number on the back of your Chase card.

2. Provide the name and credit card number of the household member you want to link.

3. A Chase rep will confirm the address on both accounts and set up the ability to transfer points.

4. Once the link is active, you can transfer points online just like you would between your own cards.

This setup is one-time only. Once your household member’s account is linked, future transfers can be done entirely online through the Combine Points tool.

If they want to send points to you, they’ll need to call separately and add you to their account as an authorized transfer partner.

Fun fact — I just did this with my account and my husband’s account. I wanted to downgrade to the Freedom Unlimited and keep the Sapphire Preferred we have in his name. But, I had some leftover points in my account that you’d have to pry from my literal hands. So, I called Chase, and in ten minutes, my points were transferred, our accounts were connected, and I was the proud new owner of a Freedom Unlimited.

Why We Love These Chase Cards

If you’re just starting out (or looking to up your card count), here are a few of our faves worth considering:

• Sapphire Preferred: Great all-around travel card with a low annual fee and access to tons of transfer partners

• Freedom Unlimited Earns 1.5% to 3% on most everyday spending and pairs great with Sapphire cards for better travel redemptions

• Ink Business Preferred® Credit Card: Ideal for small business owners, freelancers, or side hustlers, and earns 3x points in common business categories

Which Chase Cards Are Eligible For Point Combining?

Most of Chase’s personal and business cards that earn Ultimate Rewards points can be used in point transfers, but only some can transfer to travel partners or offer elevated redemption value in the portal.

Here’s a breakdown:

Even though cards like the Freedom Flex and Ink Business Cash advertise themselves as cash-back cards, the “cash back” can actually be earned in the form of points. Those points can then be converted into transferable Ultimate Rewards if combined with one of the three premium cards above.

This is a core strategy behind the popular Chase Trifecta concept, where you use one card to maximize earning, another to boost redemption, and another to support specific bonus categories.

Rules To Keep In Mind

Chase’s rules for combining points are honestly pretty generous, but there are a few things to note:

• You can only transfer points to a household member who shares your address.

• You can only designate one person as a transfer partner at a time.

• Transfers are final and cannot be reversed.

• There’s no minimum number of points you need to transfer.

• There are no fees for combining points, whether between your own cards or with a household member.

What Can You Actually Do With Combined Points?

Let’s say you and your partner each have 40,000 Chase points. Individually, you might not have enough to book much more than a domestic economy flight or a couple of nights at a budget hotel.

But by combining your points into one account (especially one with the Sapphire Preferred or Sapphire Reserve), you now have 80,000 points to work with (math 😎).

That’s enough to:

• Transfer to World of Hyatt and book five nights at a beachfront Category 4 property in Mexico or Thailand

• Book two round-trip flights to Europe by transferring points to Air France/KLM Flying Blue

• Score a one-way business-class flight to Asia with Virgin Atlantic or Singapore Airlines (if you time it right)

Pooling points doesn’t just make it easier to book, but sometimes it’s the only way to snag those sweet spot redemptions.

Bottom Line

Chase makes it super easy to combine points across your own cards, and with someone in your household, which often opens the door to better travel redemptions.

Whether you’re trying to book a dream trip or just want to simplify your rewards, this is a great trick that every points and miles fan should know. Like so many other things in life, points are always better when shared.