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How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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How to Move Chase Freedom Unlimited Points to your Chase Sapphire or Spouse Account

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

The Chase Freedom Unlimited® is a no-annual-fee credit card offering up to 5% back in cash back rewards. While these rewards are nice, if you want to travel, there are better redemption options. By transferring your rewards (in the form of points) earned on this card to another Chase Ultimate Rewards® credit card, you can redeem your points for even greater value.

Which cards offer Chase Ultimate Rewards?

Chase offers multiple credit cards that earn Chase Ultimate Rewards. When you have two or more of these credit cards, you can transfer your points between them to maximize the benefits that each card offers:

For example, you’ll receive 50% more value when booking travel through the Chase Ultimate Rewards travel portal using the Chase Sapphire Reserve®. Transfers are also available to your spouse or anyone else that lives in the same household.

Points transferred to the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® and Ink Business Preferred® Credit Card have another great benefit. These points can be converted into airline miles or hotel points when transferred to one of Chase’s 11 airline and three hotel partners. This is one of the best ways to redeem for business or first class flights or high-end hotel reservations with well-known brands like World of Hyatt, Marriott Bonvoy, and United Airlines.

| Disclosures
Chase Freedom Flex℠
Chase Freedom Flex℠
on Chase's secure site
0% Intro APR on Purchases for 15 months
18.74% - 27.49% Variable
$0
5% cash back on up to $1,500 in combined purchases in bonus
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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 expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 27.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Freedom Unlimited®
Chase Freedom Unlimited®
on Chase's secure site
0% Intro APR on Purchases for 15 months
18.74% - 27.49% Variable
$0
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our
  • 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 Ultimate Rewards®, our premier rewards program that lets 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 Chase travel purchased through Ultimate Rewards®, 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 expire as 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 18.74% - 27.49%
  • 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, real-time alerts, and more.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
19.74% - 26.74% Variable
$95
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and

 

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Sapphire Reserve®
Chase Sapphire Reserve®
on Chase's secure site
N/A
20.74% - 27.74% Variable
$550
5x points on flights and 10x points on hotels and car rentals
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
on Chase's secure site
N/A
19.74% - 24.74% Variable
$95
Earn 3 points per $1 on the first $150,000 spent in combined
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How to transfer points from Chase Freedom Unlimited®

Here’s how to move Chase Freedom Unlimited® points to your Chase Sapphire or spouse account:

1. Log into your account at Chase Ultimate Rewards portal and choose your Chase Freedom Unlimited® card.

2. You have many options when redeeming your Chase Ultimate Rewards points. Click “See More” and then “Combine Points” from the menu at the top of the screen.

3. Select which credit card to move points from and to and click “continue.” Even though you logged into your Chase Freedom Unlimited® card, you can move points between any of your other Chase Ultimate Rewards credit cards. During this step, you can also add a spouse or other household member as a transfer option. In this example, we’re moving points from the Chase Freedom Unlimited® to the Chase Sapphire Reserve®.

4. Decide how many points you would like to transfer from your Chase Freedom Unlimited® account. The default is to transfer all of your points, but you can transfer a smaller amount. The minimum transfer amount is 1 point. For this example, we’ll transfer all the Chase Freedom Unlimited® points. The accounts that you are moving to and from are at the bottom of the page for verification.

5. Review the transfer. Chase shows you how many points are transferring and what the new balances will be in each account after the transfer is complete. This is your last chance to make changes before points are transferred immediately. Remember that if you change your mind, points can be transferred back from the other Chase account.

6. Confirmation of transfer. Chase confirms how many points have been transferred and provides a confirmation number for your records. From here, you can go to your Chase Sapphire Reserve® account to view account history, book travel, transfer to partners and more.

What’s the catch?

Chase makes it easy to move points between Ultimate Rewards accounts to maximize your benefits:

  • There is no fee to transfer points to another Chase account.
  • You can move points back to your Chase Freedom Unlimited® account if you wish.
  • Points can be transferred to your spouse or anyone else living in your household who has an eligible Chase Ultimate Rewards account.
  • There is no minimum number of points required to transfer between Ultimate Rewards account and no limit on the maximum number of points transferred.
  • Transferred points follow the rules of the account they are in, not where they were earned.

When transferring Ultimate Rewards points to partner airlines and hotels, there are a few rules to remember:

  • Point transfers from Ultimate Rewards to partner airlines and hotels are on a 1:1 basis.
  • Transfers are in increments of 1,000 Chase Ultimate Rewards points.
  • There are no fees to transfer points to an airline or hotel partner.
  • Transfers to partners are final and cannot be reversed. It’s best to wait to transfer until you are ready to book an award flight or hotel room.
  • Although most transfers happen by the next business day, transfers may take up to a week. It is best to request a hold on a flight or hotel reservation to ensure that the award space is still available once the point transfer is complete.
  • You cannot transfer points into the account of someone else unless they are an authorized user on the account you are transferring from.

Keep in mind that you can never sell your Ultimate Rewards points to anyone. Not even family members. If Chase finds out, you could forfeit all of the points in your account.

The bottom line

Having multiple Chase rewards cards that are linked to Chase Ultimate Rewards allows myriad ways to maximize how you want to use those rewards, including moving points and cash back between cards, transferring points to family members or even Chase’s airline and hotel transfer partners. All it takes it a little know-how and redemption strategy, and having the right cards in your wallet.

 

 

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