Considering how many Chase Ultimate Rewards®-earning credit cards there are, it’s possible you already have two or more in your wallet. Each card has a different set of benefits and earning structures, so holding multiple cards can be an effective way to optimize your earnings.
Although each credit card earns rewards independently, most Ultimate Rewards cards have the ability to pool points into a single account. This can be useful if you have insufficient points from a single card to complete a redemption or if one of your cards has a redemption option that the other card does not.
Chase Freedom Unlimited®
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
- Generous welcome offer for a no annual fee card
- Unlimited 1.5% minimum earn rate for cash-back rewards
- No minimum redemption amount
- Foreign transaction fee
- Ongoing balance transfer fee is high
- Requires a companion card to transfer points to travel partners
- 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 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 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 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 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
How To Combine Chase Ultimate Rewards Points Between Two Chase Ultimate Rewards-Earning Cards
To combine points on your Chase Ultimate Rewards earning cards, log in to Chase Ultimate Rewards. Logging in will take you to a landing page that features all Chase Ultimate Reward-earning cards that are associated with your username and password. Select any card to proceed.
Once selected, you’ll be at the Chase Ultimate Rewards main page. Click on Rewards details at the top of the page and select Combine Points.
The points combining page features all of your Chase Ultimate Rewards-earning cards associated with your login information. You have the option to move points from any account to any other existing account. Points can be combined among all cards associated with the primary cardholder.
To add accounts held by a household member or company owner (for business cards), you’ll need to link accounts through a separate process.
To combine points, you’ll simply select one card from the left column to move points out of. Then, highlight one card from the right column to move points into. Click Continue to proceed.
You’ll have the option to move all or only some of your points, in any amount you choose.
On the Review page, a summary of the proposed points combination is displayed. The number of points being transferred and the new balances on each of the cards are detailed. You can review to ensure accuracy and then click Confirm & Submit.
Points are combined instantly and you will receive confirmation of completion. You will also see the new balances on each card updated immediately.
Bottom Line
Combining Ultimate Rewards between two cards can open up additional redemption options as well as make it easier to track your total earned rewards. Although combining points isn’t automatic, it’s a simple process that you can do anytime online.
