Sharing Your Chase Ultimate Rewards Points with Another Person | Understanding the Rules & Process

Hi there, it’s Ernest from Trip Astute. In
this video, we’re exploring how to share Chase Ultimate Rewards points with others,
and avoid getting in trouble with the issuer. (light chiming music) Those of you that have been watching
this channel know that I’m a huge fan of Chase’s Ultimate Rewards program. While
every points program has its merits, Chase’s Ultimate Rewards is the one that seems to
provide the most value for me, mostly because I can pull points from different
cards and take advantage of bonus categories that match my everyday spend.
One question that seems to come up a lot is whether you can share your Ultimate
Rewards points with others. The short answer is “yes”, but it’s complicated.
So today, we’re going to go over how to do it and what you should and shouldn’t
do in order to stay within the rules. Some of you might be asking, “why would
you want to transfer points to someone else?” Well, one, if you happen to be
closing an account and don’t have another Chase Ultimate Rewards earning
card, you might want to send it to another person just to be safe.
Another reason for transferring points will be that you don’t have a premium
Chase card that allows you to transfer your Ultimate Rewards points to a travel
partner or redeem at a higher rate on the Chase portal. But perhaps someone in
your household does have a premium card, like a Chase Sapphire Preferred, Reserve
or Ink Preferred card. So officially, Chase states the following: You can move your
points but only to another Chase card with Ultimate Rewards belonging to you or
one member of your household or owner of the company, as applicable. The important
thing to keep in mind is that you can only move points to others in your
household. So essentially, only people who have the
same address listed on their account. To do this, all you have to do is log into
your Chase Ultimate Rewards account. Next you’ll want to select your card, then
select “Combine points” under your points total. From here, you’ll want to select
“Add household member”. You’ll then be asked to enter the household member’s
account number and last name. You’ll then be asked to certify that the card
belongs to a member of your household or an owner of the company, if you’re
transferring from a business credit card. That’s the process in a nutshell. However,
here are some tips to keep in mind. Number one: Verify your account addresses.
If you’re going to transfer points to someone in your household, make sure to
double check that they have the same address. The last thing you want to do is
to initiate a transfer and get flagged for breaking the rules, or possibly
having your account shut down. This is particularly important if you happen to
have recently moved or changed your address. Just take a moment to check the
address on your statement or in your account. Number two: Don’t overdo it or
abuse the process. A lot of folks online have reported that their accounts have
been shut down or locked by transferring massive amounts of points frequently. While
it’s not guaranteed that your account will get shut down, it’s worth not
raising any red flags in the process. This would include opening an account
just to earn the bonus, then transferring all the points and closing the account.
You definitely don’t want to do that. Number three: Avoid transferring points
to your household member’s hotel or airline account. In the situation where
your household member has certain status with a hotel or airline, but doesn’t have
a premium card that allows for transfers, it might be tempting just to transfer
the points directly to their hotel or airline account. However, there are
different rules that govern this process, so I don’t recommend it. The rules basically
state but the person has to be an authorized user on your account. So while
it’s possible, I would suggest reading the fine print so you don’t accidentally
flag your account. Do you share Ultimate Rewards points with
others in your household? If so, let us know in the comment section below, and
let us know if you have any questions. If you enjoyed this video or found it
useful, please hit the “like” button and consider subscribing. Also, subscribe to
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check it out for a chance to win. Until next time,
travel safe and travel smart.

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