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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:
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Ink Business Cash® Credit Card
- Ink Business Preferred® Credit Card
- Ink Business Unlimited® Credit Card
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.
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.