How to transfer Chase Ultimate Rewards® Points

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THIS is really important to know. There are ONLY THREE Chase cards that give you the power to transfer Chase Ultimate Rewards® Points to transfer partners:

Someone in your HOUSEHOLD must have one of these cards so that you can transfer Chase points.
For example, if your spouse/partner (same household) has the Chase Sapphire Preferred, then the person with this card will call Chase (number on back of the Sapphire Preferred card) and ask Chase to LINK your accounts.

Once you do that, you’ll be able to take points from one card and “combine” them to a card that allows you to transfer them out. As shown below, once in your Ultimate Rewards account, click “Rewards details” and then click “Combine Points”.

Another reason you need to Combine Points is if you have a Chase card that is NOT able to transfer points. Like the Ink Business Cash® Credit Card OR the Chase Freedom Flex℠. On their own, these cards can NOT transfer points to partners. So, you simply COMBINE them to your card that does allow transfers.

For Example: You can take points from your Chase Ink Business Cash® Credit Card and combine those points with your Chase Sapphire Preferred. Once they are in your Chase Sapphire Preferred account, NOW you can transfer those points.


Login to your Chase account.
If you have more than 1 Chase card, scroll down to the one that has points on it that you want to transfer points from.
Click on that card, and you should see something similar to this…

Click “Redeem”. Once you do, on the next page you’ll see the all of the options on what you can do with these points. On the top right of the navigation bar, click on “Travel” and then click on “Transfer points to Partners”

Once you click “Transfer points to partners”, you’ll see all of the transfer partners you can transfer points to…

Find the partner you want to transfer points to and follow instructions.


  • Let’s say you want to transfer points to Emirates. You must FIRST have an Emirates account set up. So head to Emirates website and create an account. Make sure your name on your Emirates account matches the name on your credit card EXACTLY (no nicknames, abbreviations, etc)
  • It is very tempting to do a “test” transfer, however it is no recommended because when you go to do the real transfer a few minutes later, it can get flagged as fraud because the system sees transfers within a short time frame.
  • I STRONGLY recommend you do NOT transfer points until you’ve found the EXACT redemption you want and are 100% ready to book. Award flight availability are changing all the time – an award flight you found this morning may be gone tonight.

Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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