Easy methods to switch Final Rewards factors between accounts

Chase’s Final Rewards program can supply some unimaginable worth. It is no shock that the forex seems close to the highest of TPG’s July 2025 valuations, checking in at 2.05 cents per level every.

Among the best issues concerning the Final Rewards program is how versatile the factors are, not solely with regards to your redemption choices, but additionally while you’re seeking to switch factors between your Chase bank cards.

The truth is, it is among the many most consumer-friendly transferable factors applications on the market. By combining Final Rewards factors right into a single account, you may maximize the worth you get out of each redemption.

With strong presents throughout Chase’s product portfolio, together with the favored Chase Sapphire Most popular® Card (see charges and costs), now could possibly be the right time to familiarize your self with this technique for maximizing your Chase factors.

So, here is a tutorial on easy methods to switch Final Rewards factors between accounts and a have a look at when to contemplate doing so.

Overview of the Chase Final Rewards program

Earlier than we get began, here is an inventory of the most important playing cards that take part within the Final Rewards program:

The data for the Chase Freedom and Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

(Observe that the Ink Enterprise Premier® Credit score Card (see charges and costs) can be issued by Chase, however you may’t mix these rewards with different playing cards. They will solely be redeemed for money again.)

Savvy readers on the market might discover that there are 5 cash-back playing cards included on this listing (the three Freedom merchandise, together with the Ink Money and the Ink Limitless).

Whereas it is true that these playing cards formally earn cash-back rewards, they nonetheless fall beneath the Final Rewards program. They turn out to be significantly priceless while you maintain them along with the Chase Sapphire Reserve, the Chase Sapphire Most popular or the Ink Enterprise Most popular.

That is as a result of you may mix the rewards you earn throughout all of your Final Rewards playing cards right into a single account. As such, you may convert all of the rewards earned by these cash-back playing cards into absolutely transferable Final Rewards factors in case you have a Sapphire Reserve, Sapphire Most popular or Ink Enterprise Most popular.

That is the enduring energy of my favourite mixture of bank cards, which I wish to name the “excellent Chase quartet”:

Nevertheless, the flexibility to mix your factors is not restricted to your individual accounts. You are able to do this with a family member as effectively.

In relation to combining Final Rewards factors, there are two various kinds of transfers you can also make:

1. Switch factors between two accounts the place you are the first cardholder.

2. Switch factors between an account the place you are the first cardholder and one the place another person is the first cardholder.

Here is a step-by-step have a look at every of those eventualities.

Associated: How a lot are Chase Final Rewards factors value?

Easy methods to arrange your Final Rewards account

The very first thing you may have to do is be sure that your Final Rewards-earning bank cards are all related to the identical on-line account. If you have not arrange on-line entry, begin on the Chase web site and click on “Not enrolled? Join now” on the right-hand facet of the web page.

If you have already got a Chase account and utilized for a brand new Final Rewards card, it ought to robotically seem shortly after getting authorised. To ensure, log in to your account and click on on “Account Exercise.” Scroll down and search for the brand new card.

Observe you could produce other (non-Final Rewards) accounts related to the identical Chase username. I presently have a number of others on the identical on-line account, making it simpler to handle all my playing cards.

Associated: The ability of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless

Easy methods to mix Chase Final Rewards factors

When you arrange your on-line account, the method for each forms of transfers begins the identical. Begin by logging in to the Chase account from which you wish to switch factors — be it yours or a family member’s account. Click on on an Final Rewards card from the homepage, then click on “Redeem” subsequent to your rewards steadiness.

This can launch the Final Rewards portal. On the high, click on on “Rewards particulars” to see the “Mix factors” possibility.

Right here is the place issues begin to differ, relying on whether or not you are combining factors from two of your accounts or if you wish to switch your factors to another person. The better of the 2 includes combining factors on two accounts the place you are the first cardholder on each accounts.

Easy methods to switch Chase factors between your playing cards

After clicking the “Mix factors” possibility, select the account from which you wish to switch your factors and the account the place you’d just like the factors deposited. Observe that on this screenshot, I am transferring factors from my Chase Freedom Flex to my Chase Sapphire Reserve.

Card artwork might differ for Sapphire Reserve cardholders who utilized on or after June 23, 2025.

Then click on “Subsequent” on the backside.

On the following web page, you could kind within the actual variety of factors you wish to transfer. Observe that, in contrast to transferring Final Rewards factors to journey companions, you do not have to stay to multiples of 1,000 factors. You possibly can transfer any variety of factors between your accounts.

While you’re prepared, click on “Assessment” on the backside of the web page.

Assessment the main points (together with the phrases and circumstances on the backside), then click on “Submit” while you’re able to course of the switch.

The following web page will affirm that the switch was profitable.

Your new steadiness also needs to be mirrored on the high of the web page, as these transfers occur instantaneously.

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Easy methods to switch Chase factors to a different particular person

Along with combining your factors in a single account, you may as well use this performance to switch factors to (or from) one other particular person’s account.

Nevertheless, earlier than doing so, learn the phrases and circumstances of mixing Final Rewards factors:

You possibly can transfer your factors, however solely to a different Chase card with Final Rewards belonging to you, or one member of your family. If we suspect that you’ve got engaged in fraudulent exercise associated to your bank card account or Final Rewards, or that you’ve got misused Final Rewards in any means (for instance by shopping for or promoting factors, transferring or transferring factors with or to an ineligible third occasion or account, or repeatedly opening or in any other case sustaining bank card accounts for the only real goal of producing rewards or manufacturing spend, repeatedly opening or in any other case sustaining bank card accounts for the only real goal of producing rewards) we might briefly prohibit you from incomes factors or utilizing factors you’ve got already earned. If we imagine you’ve got engaged in any of those acts, we’ll shut your bank card account.

While you switch factors between your individual accounts, you are clearly throughout the bounds of those phrases. Nevertheless, while you switch factors to another person’s Final Rewards account, they have to be a member of your family (or an proprietor of the enterprise for Chase Ink playing cards).

Presently, while you switch factors to a different particular person’s account for the primary time, you may have to name the quantity on the again of your card. Clarify to the agent that you simply’d like to mix your factors with a family member. The agent will then ask for the cardboard variety of your family member earlier than you may provoke a switch.

After calling, your family member’s account ought to seem as an eligible account to switch factors to on-line. So, you need to solely have to name as soon as — except you or your family member determine to take away the account.

As soon as you’ve got added a family member’s account, the method is similar to what I outlined above. You may select what number of factors to switch, evaluate the main points after which submit the switch request.

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When to switch Final Rewards factors between accounts

Now that you understand how to mix Final Rewards factors right into a single account, chances are you’ll surprise when it is sensible to take action.

Listed below are 3 times you may wish to take into account combining Final Rewards factors into one account.

Changing cash-back rewards to Final Rewards factors

As I mentioned earlier, playing cards just like the Chase Freedom Limitless aren’t merely cash-back playing cards. When you even have a premium card, such because the Chase Sapphire Reserve or the Chase Sapphire Most popular, you may convert your cash-back rewards into Final Rewards factors.

Final Rewards factors are essentially the most priceless when redeemed straight for journey, significantly while you switch to companions like Hyatt and United Airways.

For instance, for example you could have each the Sapphire Most popular and the Chase Freedom Limitless. The Freedom Limitless presents these bonus classes that the Sapphire Most popular doesn’t:

• 3% again on drugstore purchases
• 1.5% again on all non-bonused spending

Nevertheless, these cash-back rewards may be transformed into full Final Rewards factors should you even have the Sapphire Most popular. Because of this, that is equal to incomes 3 Final Rewards factors per greenback spent at drugstores and 1.5 Final Rewards factors per greenback spent on non-bonused spending.

That is higher than utilizing the Sapphire Most popular for these purchases, which might internet simply 1 level per greenback.

This will get even higher with the redemption choices. With a cash-back card just like the Freedom Limitless, your rewards are typically value simply 1 cent apiece (although Chase often runs specials for present playing cards and even Apple merchandise).

However with the Sapphire Most popular or the Ink Enterprise Most popular, your factors can be utilized to guide journey straight by way of Chase Journey℠.

Via Chase’s Factors Enhance function, you may obtain as much as 1.75 cents per level on eligible bookings, relying on the cardboard and the particular redemption (see your rewards program settlement for full particulars). This jumps to as much as 2 cents for the Sapphire Reserve (see your information to advantages for extra data).

However if you’d like the potential for much more worth, combining your rewards with both Sapphire card or the Ink Enterprise Most popular allows you to switch factors to this system’s numerous journey companions. When you can redeem them for the total quantity of TPG’s July 2025 valuations, your worth jumps much more.

That is additionally an important possibility in case your companion or partner solely has cash-back playing cards with no annual payment, which is exactly the case in my household. My spouse has an Ink Enterprise Money and a Freedom Limitless, and we periodically switch her rewards into my Chase Sapphire Reserve account. I can then use these factors for extra priceless redemptions than she’d get on her personal.

Boosting accounts for a selected redemption

Another excuse to mix factors is in case you have a selected redemption in thoughts. You possibly can guide some excellent awards with Final Rewards factors, however chances are you’ll not have sufficient factors in your account for the one you need. In case your designated family member has some further factors, they may switch these factors to you thru Final Rewards so you may guide the redemption you need.

While you wish to cancel a card

A ultimate rationale for combining factors is if you wish to cancel a card. Earlier than canceling your card, take into account downgrading your card as a substitute.

Earlier than doing so, switch your rewards to a different of your accounts (or to your designated family member). That means, you do not lose your rewards.

Associated: Here is why you need to by no means shut your bank cards earlier than the 1-year mark

Backside line

The Final Rewards program is extremely priceless, and far of that worth comes from the pliability of the factors you earn. You possibly can switch to varied journey companions, however you may as well mix factors throughout your accounts or switch factors to a chosen family member.

When you’ve not too long ago signed up for a brand new Final Rewards-earning card just like the Chase Sapphire Most popular Card, I hope this submit has given you some perception into how one can prolong the worth of your factors even additional.

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