How to Combine Chase Ultimate Rewards Points

The BITAs have recently ventured into the world of credit card churning (though I suspect that we are going to be in the running for being the world’s slowest churners. I mean, we haven’t actually churned a single card yet. We’ve kept every one). I lurked on /r/churning. I scoured churning related blogs. I convinced myself and then Mr. BITA that churning would not, in fact, destroy our credit scores. And then we embarked upon our journey.

The 5/24 rule gave us an easy place to start – Chase. Also, Chase points are valued amongst the highest by churners, and for good reason. Here is where we are so far:

  1. I took the plunge first and acquired a Chase Sapphire Preferred (CSP). This gave us a sign on bonus of 50,000 points after spending $4k on the card in 3 months.
  2. I got an add-on CSP card for my mother. 5000 point bonus.
  3. The Chase Sapphire Reserve (CSR) makes it’s debut to rave reviews and screaming, fainting fans. Mr. BITA snags one. A whopping 100,000 sign on bonus after spending $4k on the card in 3 months.
  4. The instant we complete the minimum spend for CSR number 1, we do the only logical thing. Yep. I acquired CSR number 2, along with another juicy 100,000 bonus.

We have a boatload of points but they’re split across two cards in my account and one in Mr. BITA’s. We want to combine our points because they will be easier to redeem that way (we definitely plan to redeem points for international travel) and because we aren’t going to have all these cards (with their annual fees) forever. Eventually we’ll start downgrading to cards with no annual fees and we want to move our points to a safe place first. Also, and most importantly, I want to see a giant pile of points so that I can sit atop it like a dragon and be appropriately smug.

Luckily, Chase makes it really easy to combine points and in this post I’ll show you how. This is a really simple process and takes only about 5 minutes.

Step 1: Login to the Chase account that will serve as the source of the points transfer. Admire your hard earned points.


Navigate to the ultimate rewards (UR) portal by clicking on the ‘See balance’ link.


Step 2: On the UR portal, make your way to the Combine Points menu.



Step 3: Add a household member. This is the card that will act as the recipient for your points.


Step 4: Enter the credit card details requested for your household member


I entered Mr. BITA’s CSR card information here.

Step 5: Choose the ‘source’ and ‘destination’ for the points transfer


In this example I chose to transfer points from my CSP (top left) to Mr. BITA’s CSR (bottom right).

Step 6: Choose how many points you want to transfer


Step 7: Review and submit



There you have it. Easy-peasy lemon-squeezy.

The points transfer immediately. I logged into Mr. BITA’s account and spent 5 happy minutes drooling over our points stash and fantasizing about amazing, free vacations in our future.

We’ve earned the points, now all we’ve got to do is spend them!

(Featured image Designed by Freepik).


15 thoughts on “How to Combine Chase Ultimate Rewards Points”

  1. Nicely done!! For some reason I am collecting points on my Southwest card even though I fly for free! I should have gotten a CSP card or hotel card so I could really do some frugal travel! I looked at rates for the hotel for FinCon next year and it’s brutal!!

    1. We’re good at collecting points. We need to figure out the whole redeeming bit now. From what I’ve heard it can be a rather time consuming and annoying experience. I won’t consider us proper churners until we have some redemptions under our belt.

      It isn’t too late for you to start. Get a CSP or CSR (or both!) now!

      1. I have been doing some research these past two days. Looks like Marriott and SPG now share points. Marriott has a 80k bonus for new customers (spending 3k in first 3 months) so I may go that route. Too scared to pull the trigger just yet! 🙂

        1. Oh I know what you mean – it took a long time for us to actually get started. Applying for that first card was a big deal.

  2. Nice work. We did the same thing when he had UR points piling up. We have now fallen foul of the 5/24 rule with Chase and couldn’t snag the reserve card. We have heard through some sources that it may still be possible for us to get one by physically going into a Chase branch and opening an account. We may go down that avenue! Although it means taking a lengthy car trip to another state.

    Otherwise we can churn through multiple cards and have a multi hundred thousand stash of air miles and hotel points and cash back on couple of cards. It’s an amazing way to keep vacation budget low and travel in style at the same time.

    1. I am excited to actually start redeeming our points (and, truth be told, just a little bit intimidated).

      /r/churning had numerous data points of folks who were above 5/24 but when they went to a branch they found that they were ‘preapproved’ for the CSR, so that might work out for you. I wonder if it might be possible for you to call and speak to a branch manager first about your preapprovals, given that it entails a long trip for you. DOC says that a few people did manage to call in and find out about preapproval.

  3. Cool! I have been starting to use up some of our ultimate reward points for our Costa Rica trip, and started to think it might be nice to consolidate the points later. I didn’t know it would be this easy. Thanks for the tip!

  4. We don’t travel much so we just have the IHG loyalty card. But I think the Chase Sapphire products (plus the Freedom cash back as a secondary card) are the best rewards program currently available.

    I have recommend the Sapphire Preferred to several colleagues and family members that like to travel. I think their 1:1 travel partners is the best deal..

    It’s glad to hear from somebody that qualified for the Reserve. It will be interesting to hear how you like it as time progresses, but it sounds like you all can benefit from all the perks. Plus the travel credit & Global entry reimbursement offset a majority of the annual fee.

    1. I’m a fan of the CSR thus far. The best part? All of the travel credit that I had reimbursed for one of our CSRs was business travel.

  5. I’m currently working on an AmEx reward, but next on my list is the CSP or – I didn’t know about it until reading this post – maybe the CSR! I already have a Chase Freedom (a relic of an old balance transfer that helped me eliminate some unexpected credit card debt with no interest), but I wasn’t aware that the points balance was so easy to combine. Very useful info for me. Thanks!

    1. Happy to help! The CSR is awesome. 3x on travel and dining. Priority pass membership for you (and you can enter the lounges for free along with your spouse/family). $300 back (the annual fee is $450) for any travel related expense (and this includes things like Uber or parking fees). The UR points are worth more on the Chase portal than the CSP points – another reason to transfer to the CSR – you can bump up the value of your UR points by combining.

  6. Pulled the trigger on CSR yesterday and got approved. will have to plan on a trip this year to make use of the points, before cancelling the card by next year. Is it worth keeping the card and pay $450 in annual fees ?

    1. Woohoo! Congratulations on acquiring the holy grail of rewards cards before they dropped the bonus.

      Is it worth keeping the card? I haven’t decided yet. We most definitely won’t keep two. Luckily we have many months left in which to make the decision. The question is not is it worth $450 – the question is, is it worth $150 ($300 travel credit every year).

Leave a Reply