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:
- 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.
- I got an add-on CSP card for my mother. 5000 point bonus.
- 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.
- 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!
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