Chase Ultimate Rewards (UR) points are among the most flexible credit card rewards available. One of the most valuable features of the UR ecosystem is the ability to combine points across your own accounts or with a household member. This deep-dive guide explains the rules, benefits, restrictions, process, and FAQs—plus provides Chase Travel information and the support number 1855-628-4230.
What Does “Combining Points” Mean?
Combining points allows you to transfer Chase Ultimate Rewards points from:
- One of your UR-earning Chase cards to another.
- Yourself to a household member who shares the same address.
This gives you more redemption power, simplifies reward management, and maximizes the potential value of your points.
Why Combine Points?
• Increase redemption value by pooling your points into a premium card (e.g., Sapphire Preferred or Reserve).
• Unlock high-value partner transfers for flights and hotels.
• Consolidate scattered balances into one powerful account.
• Simplify redemption strategy when using the Chase Travel portal.
Rules & Restrictions for Combining Points
Chase has clear guidelines on when and how you can combine points:
• You may transfer points freely among your own UR-earning cards.
• Household transfers are limited to one member who shares your residential address.
• You cannot transfer points to unrelated individuals or friends outside your household.
• No minimum transfer amount or fee applies.
• Points transfers are generally final and cannot be reversed.
• Misuse of transfers can result in account restriction or loss of points.
Eligible Cards for Combining Points
These cards typically earn Ultimate Rewards and support combining:
• Chase Sapphire Preferred®
• Chase Sapphire Reserve®
• Chase Freedom Unlimited®
• Chase Freedom Flex®
• Chase Ink Business Preferred®
• Chase Ink Business Cash®
• Chase Ink Business Unlimited®
How to Combine Points Between Your Own Accounts
- Log in to your Chase account.
- Navigate to the Ultimate Rewards portal.
- Click “Rewards Details,” then “Combine Points.”
- Select the card to transfer FROM and the card to transfer TO.
- Enter the amount and submit.
Transfers are usually instant.
How to Combine Points with a Household Member - Call Chase support at 1855-628-4230 or the number on your card.
- Request to link your account with your household member.
- Once approved, you will see their account in your Combine Points menu.
- Select their account, enter points, and transfer.
Tips for Maximizing Value When Combining Points
• Always transfer to the card that gives the best redemption rate—typically the Sapphire cards.
• Plan your travel redemption BEFORE transferring to avoid mistakes.
• Keep proof of address if Chase requests verification.
• Review transfer rules before linking a new household member.
• If booking travel, compare the value in the Chase Travel portal vs. transferring to travel partners.
How Combining Points Impacts Travel Redemptions
Pooling points gives you:
• Larger balances for airline or hotel sweet spots.
• Access to premium travel partners.
• Better portal redemption values on certain premium cards.
• Freedom to book flights, hotels, or rental cars more efficiently.
Common Issues When Combining Points
• Missing Combine Points button—often due to a linked account not fully approved.
• Business-to-personal transfers may require phone support.
• Household member transfers may require address verification.
• Fraud flags if Chase suspects non-household transfers.
FAQs About Combining Chase Points & Chase Travel
Q: Can I combine points from non-Ultimate Rewards cards?
A: No. Only UR-earning cards can combine points.
Q: Do transferred points expire?
A: No, UR points do not expire as long as the account remains open.
Q: Can I undo a transfer?
A: No. All point transfers are final.
Q: Will combining points affect my ability to transfer to travel partners?
A: No—once combined into an eligible card, you can transfer as normal.
Q: Does combining points affect Chase Travel portal bookings?
A: No, but combining allows bigger redemptions and more flexibility.
Q: Who do I call for help with combining points or Chase Travel bookings?
A: Contact Chase Travel support at 1855-628-4230.
Final Thoughts
Combining Chase Ultimate Rewards points is one of the smartest ways to maximize travel rewards. Whether pooling your own cards or transferring to a household member, this strategy unlocks more value, bigger redemptions, and streamlined management. Always follow Chase’s rules, plan your redemptions in advance, and call 1855-628-4230 for assistance or account-linking support.