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Known for its versatility and value, Chase Ultimate Rewards® is one of the most popular credit card programs around. Points are easy to earn and since there are multiple cards offering different earning structures, it’s often a smart play for two or more household members to each carry a Chase Ultimate Rewards credit card.
While there’s nothing wrong with earning and redeeming points on each card separately, combining points provides you with even more opportunities. Two account balances together can help you reach award thresholds faster. Or, in some cases, transferring points from one account to another might open up additional redemption options only available on that specific card.
Here’s how to combine Ultimate Rewards with another person.
Featured Partner Offer
Chase Freedom Unlimited®
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 6.5X Reward Rate
Earn an additional 1.5% cash back on up to $20,000 spent in the first year, after that 5% cash backRead More
Welcome Bonus
Up to $300 cash back
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Editorial Review
A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases
Pros & Cons
- Generous welcome offer for a no annual fee card
- Unlimited 1.5% minimum earn rate for cash-back rewards
- No minimum redemption amount
- Introductory APR on purchases and balance transfers
- Foreign transaction fee
- Ongoing balance transfer fee is high
- Requires a companion card to transfer points to travel partners
Card Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee –You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Step 1: Link Your Chase Ultimate Rewards Accounts Together
Previously, Chase offered an option to link two household member’s accounts online. However, you’ll now need to link the two accounts by phone. Either member may initiate the process by calling the phone number on the back of their card. A phone representative will confirm you are household members and ask for the account number of the second card. Typically, cards are then linked instantly.
It’s important to note that you can only link accounts that are both in the same name (for example, if you have both a personal and business account that earn Ultimate Rewards) or with someone in the same household. On business cards, you may also link accounts between the cardholder and the company owner.
Linking accounts does not automatically combine any points. Any time you wish to combine all or some of your points, you’ll need to transfer points instantly through a second step.
Step 2: Transfer Points From One Account to Another
Once the household member’s card is added to your Chase Ultimate Rewards account by phone, you’ll have the ability to transfer points between accounts completely online. So, you only need to call in once to get things started.
Transferring Ultimate Rewards from one household member to another from that point forward is exactly the same as combining points between your own two accounts. From your main rewards page, you’ll see an option to combine points. Clicking here will bring you to a page that easily lays out your cards—and any others you’ve linked—and walks you through the process of moving points.
For many people, this point forward will be intuitive. The Chase interface makes it easy to choose which cards are being combined and input a specific number of points to move. For more details, though, you can see our guide on how to combine Ultimate Rewards points.
Bottom Line
Unfortunately, linking two Ultimate Rewards accounts must be done by phone now, but it’s a one-time chore. Once your accounts are linked, it’s easy to combine points with a household member. By doing so, you’ll be able to save up points for larger redemptions or have access to premium redemption options only available on select cards, making this an exercise you won’t want to skip.
