Combine Ultimate Rewards Points From Ink, Freedom & Sapphire

Q: Can I transfer Chase Ultimate Rewards points from multiple credit cards to combine them into one account?

A: Yes! And that is one of my favorite features of the program. It allows you to use multiple cards for your spending and then when it comes time to cash out, you can combine all the points.

The way you do this isn’t always intuitive. The process is different for their personal cards (Chase Sapphire and Freedom) than it is for their business cards (Ink Plus and Bold). Make sure you follow all their rules when you do this, which I’ll discuss in a moment.

Combining among personal accounts

This one is fairly straightforward. Login to you Chase account online and by default, that will show all of your personal credit cards (as well as bank accounts if you have any).

In the right hand corner of the screen you will see box which shows the number of points you have accumulated:

Ultimate Rewards button

Click on “Go to Ultimate Rewards” and a screen will pop up that looks like this:

screen for combining points

Click “Combine Points” on any of the cards. It doesn’t really matter which one you click, because afterward there will be a dropdown box which allows you to specify the accounts you want to transfer points to and from.

transferring points

Select the accounts and points you want to move around, press next, and voila – your points will be instantly combined.

I always recommend you transfer your Chase Freedom points to Sapphire Preferred. Why? Because if you redeem points thru Freedom, you won’t be able to transfer them to airline and hotel partners, nor will you get a boost in value for using them to book UR travel.

But if you redeem through Sapphire Preferred, you will get all of that.

This is especially beneficial for those with a Chase checking and savings account, because then if you have a Freedom account you can get an annual 10% bonus on the points earned (the Sapphire and Sapphire Preferred don’t do that). So in that scenario it makes sense to use the Freedom for virtually all of your “everything else” spending, since you can effectively earn 1.1 points/dollar instead of 1 like the Sapphire gives. But then transfer them before redeeming to get better options.

Transferring from business to personal (and vice-versa)

Now this is where it can get a little confusing. The way that Chase credit cards work is that they don’t allow you to have the same online login for both your personal and business accounts. This holds true even if your Chase Ink Bold or Plus was opened as a sole proprietor using your Social Security Number.

So when you login to your business credit card account, none of your personal accounts are visible. That makes the simple technique mentioned above impossible to do, since it won’t show you the other accounts when you click the box on the right side of the screen.

However there is a way to manually transfer and combine your points.

Step 1: Login to your business account.
Step 2: Click on the UR box on the right, which will take you to the rewards homepage.
Step 3:
In the menu at the top, hover over the “Earn Faster” tab and a drop down will appear. Click on the last one which is “Combine Ultimate Rewards points.”
"earn faster" menu
Step 4:
For the “Transfer To” field select “Other” and enter the full account number of your personal Chase credit card and last name, then press “Next.” Please note you can only transfer Ultimate Rewards points between the cards which use them (Sapphire, Sapphire Preferred, Freedom). You cannot transfer to other Chase cards like Marriott, Southwest, United, Slate, etc.
business to personal account transfer screen
Step 5: Verify the transfer info is correct and press “Submit.”
verify transfer confirmation

That’s it! Your points will be combined. From my experiences, the results are instant.

You can also transfer Ultimate Rewards points to another person and their account, but only if they are your spouse or domestic partner. To do that, you will need to enter their full credit card account number and last name during step 4. Per the T&C’s on Chase’s website about this rule:


I’ve seen suspicious forum posts and comments where someone is trying to sell their points and to do so, they ask you to email your account number. Anytime those get posted on here they get instantly deleted during moderation, but I’ve seen them remain up elsewhere on other websites.

If you see those types of buy/sell offers, don’t even think about it because buying and selling points is blatantly against the rules and could result in your account being closed and rewards being forfeited. Not to mention, it would be extremely risky to give your account number to a stranger anyway!

Enjoy your windfall!

What will you do with all of your points after combining them into one big windfall?

What I like to do is combine my signup bonuses and regular rewards, which together, have been enough to treat myself to a roundtrip first-class flight that I book thru the UR travel website (which requires 20% fewer points if you book thru the UR account associated with your Sapphire Preferred, Ink Plus, or Ink Bold).

Need another UR participating card? Check out these sweet offers. By the way even without a corporation/LLC, individuals can still apply for business credit cards as a sole proprietor. When doing so, your SSN is used instead of a business tax ID number.

This post was originally written June 4, 2013 but may have been updated since.

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I actually have my Ink & CSP under the same log-in. One quick call to Chase and they can combine your personal accounts with your business accounts under the business log-in. The UR point transfer business to personal is now the same as personal to personal. Easy stuff.

Thanks for the comment Mark and yes, that’s absolutely correct – you can access your personal account through your business login. However unfortunately, they can’t do the reverse (access business accounts through personal login).