Transferring Chase Ultimate Rewards points
A practical walkthrough for moving points between two people, and the questions worth answering before anyone transfers anything.
The short answer
Chase generally allows Ultimate Rewards points to be moved to another Ultimate Rewards account in the same household, and to airline and hotel partners. Transfers to a partner account usually have to match the account holder. These rules are the most important thing to check first.
Step by step
Work out which transfer you actually need
Moving points to another person's Ultimate Rewards account and transferring points to an airline or hotel program are different operations with different rules. Be clear which one the deal depends on.
Check the household and name-match rules
Chase has historically limited member-to-member moves to people in the same household, and partner transfers to loyalty accounts belonging to the cardholder or an authorised user. Read the current terms in your Ultimate Rewards account before you commit to anything.
Agree the sequence before anything moves
Decide who acts first, how long each step should take, and what happens if the transfer is blocked. Points that land in the wrong loyalty program generally cannot be moved back.
Make the transfer from your own account
Sign in to Ultimate Rewards yourself and complete the transfer there. Never hand over your Chase login, and never let anyone else operate your account.
Confirm it posted before closing out
Partner transfers are often quick but not always. Verify the balance in the receiving program before either side considers the exchange done.
Confirm with the program first
Loyalty programs change these rules without much notice, so treat anything you read here — or anywhere else — as a prompt to check the source rather than a guarantee.
- Whether your situation meets Chase's household definition
- Which partners are currently available and at what ratio
- Whether the receiving loyalty account has to be in your name
- Whether the transfer is reversible (usually it is not)
Red flags
- Anyone asking for your login, password, or a one-time code
- Pressure to move quickly or to continue off-platform
- A third party offering to run the transfer on your behalf
- Refusing to put the agreed sequence in writing