Rumor: Chase May End Ultimate Rewards Points Pooling

3 minute read | 4/25/18April 25, 2018

Could this be true?

Rumor has it that Chase is actively seeking to end the ability to pool points from one household member to another, and even from card to card.

What This Means

If this is true, we are in for a big change on how we earn and spend our Ultimate Rewards (UR) points. And, for many of us, it could have a significant and negative impact on future redemptions – starting immediately, we would all need to adjust how we spend and earn rewards.

How Pooling Points Currently Works

Combining Chase Ultimate Rewards Points

Until now, Chase has always allowed you to pool points. You can move points from one UR earning card to another, and even from one household member to another, without any fees.

Currently, you can transfer points from a Chase Freedom Unlimited (CFU) to a Chase Sapphire Reserve (CSR) card, essentially making the CFU a “transferable” card, even though it’s marketed as a cashback card.

Since the CFU earns 1.5% on all purchases every day, and since the CSR gets 1.5x on all redemptions made through the Chase Travel portal, you earn a rate of no less than 2.25% for every dollar spent when you redeem points for travel (possibly even more if you transfer them to partner airlines).

The same process can be used for other UR earning cards, like the Chase Freedom Card, Ink Preferred and Ink Cash.

Our Advice: Act Fast!

Pool your points now – just to be safe. 

Even if the rumor falls through, it’s good to plan and adjust accordingly. Many of our community members in FBZ Elite are already doing so!

In case you need a refresher, here’s exactly how to combine your UR points.

How to Pool Your Chase Ultimate Rewards Points - Step by Step

As per Chase: You can move points, but only to another Chase card with Ultimate Rewards belonging to you, your spouse or domestic partner, as applicable.

Good to note: You can only transfer Chase points from the desktop Chase portal, not the Chase mobile app.

Step 1: Go to

Step 2: Navigate to “Combine Points” on the right of the top navigation, or go directly to

Step 3: You’ll then see what Chase Ultimate Rewards accounts you have for each of your cards. 

Remember the Chase Sapphire Reserve gets the best valuation per point, at $0.015 cents per Chase Ultimate Reward.

You can choose to transfer between your own Chase accounts, or you can add a household member’s account and transfer points to their account. Simply choose the account on the left that you want to transfer from, and the account on the right that you want to transfer to.

Screenshot of selecting the number of points to transfer (this example is for transferring to another household member)

Step 4: You’ll then see a confirmation page before submitting (this example shows transferring to another household member). This cannot be “undone,” though the recipient could always decide to transfer points back to you in another transaction.

Step 5: Confirmed! Your Points will transfer instantly.

H/t to FrequentMiler who alerted us to this story

What do you think of this rumor? Will you be pooling your points?

Join in on the conversation on Travel & Points in FBZ Elite! is an independent, advertising-supported website. Some of the offers that appear on this page are from third party advertisers from which receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). does not include all financial or credit offers that might be available to consumers in the marketplace. does not include all companies or all available products.