Chase’s Ultimate Rewards program can provide some unimaginable worth. It is no shock that the forex seems close to the highest of TPG’s July 2025 valuations, checking in at 2.05 cents per level every.
The most effective issues concerning the Final Rewards program is how versatile the factors are, not solely in relation to your redemption choices, but in addition if you’re trying to switch factors between your Chase credit cards.
In actual fact, it is among the many most consumer-friendly transferable points programs on the market. By combining Final Rewards factors right into a single account, you may maximize the worth you get out of each redemption.
With strong affords throughout Chase’s product portfolio, together with the favored Chase Sapphire Preferred® Card (see rates and fees), now might be the right time to familiarize your self with this technique for maximizing your Chase points.
So, this is a tutorial on find out how to switch Final Rewards factors between accounts and a have a look at when to think about doing so.
Overview of the Chase Final Rewards program
Earlier than we get began, this is a listing of the main playing cards that take part within the Final Rewards program:
The knowledge for the Chase Freedom and Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
(Notice that the Ink Business Premier® Credit Card (see rates and fees) can be issued by Chase, however you may’t mix these rewards with different playing cards. They will solely be redeemed for money again.)
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Savvy readers on the market might discover that there are 5 cash-back cards included on this listing (the three Freedom merchandise, together with the Ink Money and the Ink Limitless).
Whereas it is true that these playing cards formally earn cash-back rewards, they nonetheless fall below the Final Rewards program. They turn into significantly useful if you maintain them at the side of the Chase Sapphire Reserve, the Chase Sapphire Most popular or the Ink Enterprise Most popular.
That is as a result of you may mix the rewards you earn throughout all of your Final Rewards playing cards right into a single account. As such, you may convert all of the rewards earned by these cash-back playing cards into fully transferable Ultimate Rewards points when you have a Sapphire Reserve, Sapphire Most popular or Ink Enterprise Most popular.
That is the enduring energy of my favourite mixture of bank cards, which I wish to name the “excellent Chase quartet”:
| Card | Bonus classes |
Annual charge |
|---|---|---|
| applyLink pid=”221211836″ overridetext=”Chase Sapphire Reserve”] |
|
$795 |
| Chase Freedom Flex (or Chase Freedom) |
|
$0 |
| Ink Business Cash Credit Card |
|
$0 |
| Chase Freedom Unlimited |
|
$0 |
Nonetheless, the power to mix your factors is not restricted to your individual accounts. You are able to do this with a family member as nicely.
With regards to combining Final Rewards factors, there are two several types of transfers you may make:
1. Switch factors between two accounts the place you are the first cardholder.
2. Switch factors between an account the place you are the first cardholder and one the place another person is the first cardholder.
Here is a step-by-step have a look at every of those situations.
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The best way to arrange your Final Rewards account
The very first thing you may must do is be certain that your Final Rewards-earning bank cards are all related to the identical on-line account. If you have not arrange on-line entry, begin on the Chase website and click on “Not enrolled? Join now” on the right-hand aspect of the web page.
If you have already got a Chase account and utilized for a brand new Final Rewards card, it ought to robotically seem shortly after getting authorized. To verify, log in to your account and click on on “Account Exercise.” Scroll down and search for the brand new card.
Notice that you would be able to produce other (non-Final Rewards) accounts related to the identical Chase username. I at the moment have a number of others on the identical on-line account, making it simpler to handle all my playing cards.
Associated: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited
The best way to mix Chase Final Rewards factors
When you arrange your on-line account, the method for each forms of transfers begins the identical. Begin by logging in to the Chase account from which you wish to switch factors — be it yours or a family member’s account. Click on on an Final Rewards card from the homepage, then click on “Redeem” subsequent to your rewards stability.
This can launch the Final Rewards portal. On the high, click on on “Rewards particulars” to see the “Mix factors” choice.
Right here is the place issues begin to differ, relying on whether or not you are combining factors from two of your accounts or if you wish to switch your factors to another person. The better of the 2 includes combining factors on two accounts the place you are the first cardholder on each accounts.
The best way to switch Chase factors between your playing cards
After clicking the “Mix factors” choice, select the account from which you wish to switch your factors and the account the place you’d just like the factors deposited. Notice that on this screenshot, I am transferring factors from my Chase Freedom Flex to my Chase Sapphire Reserve.
Card artwork might differ for Sapphire Reserve cardholders who utilized on or after June 23, 2025.
Then click on “Subsequent” on the backside.
On the subsequent web page, you should sort within the actual variety of factors you wish to transfer. Notice that, not like transferring Final Rewards factors to journey companions, you do not have to stay to multiples of 1,000 factors. You’ll be able to transfer any variety of factors between your accounts.
If you’re prepared, click on “Assessment” on the backside of the web page.
Assessment the small print (together with the phrases and situations on the backside), then click on “Submit” if you’re able to course of the switch.
The subsequent web page will verify that the switch was profitable.
Your new stability must also be mirrored on the high of the web page, as these transfers occur instantaneously.
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The best way to switch Chase factors to a different individual
Along with combining your factors in a single account, it’s also possible to use this performance to switch factors to (or from) one other individual’s account.
Nonetheless, earlier than doing so, learn the phrases and situations of mixing Final Rewards factors:
You’ll be able to transfer your factors, however solely to a different Chase card with Final Rewards belonging to you, or one member of your family. If we suspect that you’ve got engaged in fraudulent exercise associated to your bank card account or Final Rewards, or that you’ve got misused Final Rewards in any method (for instance by shopping for or promoting factors, transferring or transferring factors with or to an ineligible third get together or account, or repeatedly opening or in any other case sustaining bank card accounts for the only goal of producing rewards or manufacturing spend, repeatedly opening or in any other case sustaining bank card accounts for the only goal of producing rewards) we might quickly prohibit you from incomes factors or utilizing factors you have already earned. If we imagine you have engaged in any of those acts, we’ll shut your bank card account.
If you switch factors between your individual accounts, you are clearly throughout the bounds of those phrases. Nonetheless, if you switch factors to another person’s Final Rewards account, they have to be a member of your family (or an proprietor of the enterprise for Chase Ink cards).
At present, if you switch factors to a different particular person’s account for the primary time, you may must name the quantity on the again of your card. Clarify to the agent that you just’d like to mix your factors with a family member. The agent will then ask for the cardboard variety of your family member earlier than you may provoke a switch.
After calling, your family member’s account ought to seem as an eligible account to switch factors to on-line. So, it’s best to solely must name as soon as — until you or your family member resolve to take away the account.
As soon as you have added a family member’s account, the method is an identical to what I outlined above. You may select what number of factors to switch, evaluation the small print after which submit the switch request.
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When to switch Final Rewards factors between accounts
Now that you understand how to mix Final Rewards factors right into a single account, chances are you’ll marvel when it is smart to take action.
Listed below are thrice you may wish to contemplate combining Final Rewards factors into one account.
Changing cash-back rewards to Final Rewards factors
As I mentioned earlier, playing cards just like the Chase Freedom Unlimited will not be merely cash-back playing cards. For those who even have a premium card, such because the Chase Sapphire Reserve or the Chase Sapphire Preferred, you may convert your cash-back rewards into Final Rewards factors.
Final Rewards factors are probably the most useful when redeemed instantly for journey, significantly if you switch to companions like Hyatt and United Airlines.
For instance, for instance you will have each the Sapphire Most popular and the Chase Freedom Limitless. The Freedom Limitless affords these bonus classes that the Sapphire Most popular doesn’t:
- 3% again on drugstore purchases
- 1.5% again on all non-bonused spending
Nonetheless, these cash-back rewards may be transformed into full Final Rewards factors if you happen to even have the Sapphire Most popular. In consequence, that is equal to incomes 3 Final Rewards factors per greenback spent at drugstores and 1.5 Final Rewards factors per greenback spent on non-bonused spending.
That is higher than utilizing the Sapphire Most popular for these purchases, which might internet simply 1 level per greenback.
This will get even higher with the redemption choices. With a cash-back card just like the Freedom Limitless, your rewards are typically value simply 1 cent apiece (although Chase sometimes runs specials for reward playing cards and even Apple merchandise).
However with the Sapphire Most popular or the Ink Business Preferred, your factors can be utilized to e-book journey instantly via Chase Travel℠.
By Chase’s Points Boost function, you may obtain as much as 1.75 cents per level on eligible bookings, relying on the cardboard and the precise redemption (see your rewards program settlement for full particulars). This jumps to as much as 2 cents for the Sapphire Reserve (see your information to advantages for extra data).
However in order for you the potential for much more worth, combining your rewards with both Sapphire card or the Ink Enterprise Most popular lets you switch factors to this system’s numerous journey companions. For those who can redeem them for the complete quantity of TPG’s July 2025 valuations, your worth jumps much more.
That is additionally an incredible choice in case your companion or partner solely has cash-back playing cards with no annual charge, which is exactly the case in my household. My spouse has an Ink Business Cash and a Freedom Limitless, and we periodically switch her rewards into my Chase Sapphire Reserve account. I can then use these factors for extra useful redemptions than she’d get on her personal.
Boosting accounts for a selected redemption
One more reason to mix factors is when you have a selected redemption in thoughts. You’ll be able to e-book some excellent awards with Final Rewards factors, however chances are you’ll not have sufficient factors in your account for the one you need. In case your designated family member has some additional factors, they might switch these factors to you thru Final Rewards so you may e-book the redemption you need.
If you wish to cancel a card
A ultimate rationale for combining factors is if you wish to cancel a card. Earlier than canceling your card, contemplate downgrading your card as an alternative.
Earlier than doing so, switch your rewards to a different of your accounts (or to your designated family member). That method, you do not lose your rewards.
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Backside line
The Final Rewards program is extremely useful, and far of that worth comes from the pliability of the factors you earn. You’ll be able to switch to varied journey companions, however it’s also possible to mix factors throughout your accounts or switch factors to a chosen family member.
For those who’ve just lately signed up for a brand new Final Rewards-earning card just like the Chase Sapphire Preferred Card, I hope this put up has given you some perception into how one can lengthen the worth of your factors even additional.
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