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One question that seems to come up a lot when discussing Chase Ultimate Rewards is whether you can share your points with others. The short answer is yes, but it’s complicated. So today, we’re going to go over how to share Chase points, and what you should and shouldn’t do in order to stay within the rules.

Some of you might be asking, “why would you want to transfer points to someone else?” Well, a potential reason would be closing an account and not having another Chase Ultimate Rewards earning card. You might want to send the points to another person to be safe. Another reason for transferring points would be that you don’t have a premium Chase card that allows you to transfer your Ultimate Rewards points to a travel partner or redeem at a higher rate on the Chase Portal. However, perhaps someone in your household does have a premium card, like a Sapphire Preferred, Reserve, or Ink Preferred card. In this situation, it would make sense to transfer the points to their account to get more value from the booking.

What’s the policy?

Officially, Chase states the following:

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household or owner of the company, as applicable. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account and you’ll lose all your points.” 

How to share/transfer points

The important things to keep in mind is that you can only move points to others in your household, so essentially, only people who have the same address listed on their account. To do this, all you have to do is log into your Ultimate Rewards account. Next, you’ll want to select your card, then select Combine Points under your points total. From here, you’ll want to select Add Household Member. You’ll be asked to enter the household member’s account number and last name. You’ll then be asked to certify that the card belongs to a member of your household (or an owner of the company if you’re transferring from a business credit card).

Additional tips to consider

Here are some things to keep in mind:

1. Verify your account addresses:

If you’re going to transfer points to someone in your household, make sure to double-check that they have the same address. The last thing you want to do to initiate a transfer and get flagged for breaking the rules and possibly having your account shut down. This is particularly important if you happened to have moved recently or changed your address. Just take a moment to check the address on your statement or in your account.

2. Don’t overdo it or abuse the process:

A lot of folks online have reported that their accounts have been shut down or locked by transferring a massive number of points frequently. While it’s not guaranteed that your account will get shut down, it’s worth not raising any red flags in the process. This would include opening an account just to earn the bonus, transferring all the points, then closing the account.

3. Avoid transferring points to your household member’s hotel or airline account:

In the situation where your household member has certain status with a hotel or airline, but doesn’t have a premium card that allows for transfers, it might be tempting to just transfer the points directly to their hotel or airline account. However, there are different rules that govern this process, so I don’t recommend it. The rules basically state that the person has to be an authorized user on your account. So while it’s possible, I would suggest reading the fine print so you don’t accidentally flag your account.

Do you share Ultimate Rewards points with others in your household? If so, let us know in the comment section below.


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