How To Combine Chase Ultimate Rewards Points (Chase Freedom To Chase Sapphire)

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One of the many mantras that you’ll probably hear repeated over and over again in the miles and points world is that it can be very useful to pair one or more of the Chase Freedom cards with one of the Chase Sapphire cards.

The reason for this mantra is simple:

  • The Chase Freedom cards don’t come with an annual fee
  • The original ‘Chase Freedom’ card earns 5% cash back on spending in quarterly rotating categories
  • The ‘Chase Freedom Unlimited’ card earns 1.5% cash back on all spending (useful for spending in categories where other credit cards don’t offer a bonus)
  • The cash back from Freedom Cards can be converted to valuable Ultimate Rewards points if you hold either the Chase Sapphire Reserve or Chase Sapphire Preferred credit cards.

In this post I’m going to set out a simple step-by-step guide which will show you how you can combine your earnings from one (or more) of the Freedom Cards with the Chase Ultimate Rewards balance associated with whichever Sapphire Card you hold.

Step 1

There are a variety of ways you can start out but, as most people know how to log in to their Chase account, that’s where I’m going to start this guide.

Log in to your Chase online account and click on the Ultimate Rewards box you’ll find underneath the list of cards you hold in your account – this will take you to the starting point for Chase Ultimate Rewards.

Step 2

The first page you’ll see in Chase Ultimate Rewards is one showing you all the cards associated with your Ultimate Rewards account.

It should make very little difference which card you select here but, for the sake of structure, select the card from which you wish to transfer out points.

Step 3

At this point the Ultimate Rewards portal should have opened up and, at the time of writing, it looks like this:

Click on the menu icon that you’ll find in the top left corner of your screen…..

…and this will open up a drop down menu.

At the very bottom of this menu (you may have to scroll) you should click on ” Combine Points”.

Step 4

The ‘combine points’ page will now be open and you’ll have a chance to select the card from which you’d like to move points and the card to which you’d like the points to be moved.

Make your selections (carefully) and click on ‘continue’

Step 5

Now it’s decision time – how many points would you like to transfer?

You can either choose to move all you points or you can choose another amount that suits you better. As you’ll see from my transfer you don’t have to transfer points multiples of a thousand – you can transfer as many or as few as you like.

Once you’ve chosen how many points to move click on the ‘Review’ button which should be at the bottom of the page.

Step 6

On the page that opens up Chase will show you what your transfer looks like – where you’re transferring points from, where you’re transferring the points to and how many points you’re transferring.

If you’ve made an error click on ‘cancel’ and correct whatever the error is.

If you’re satisfied that all’s in order click on ‘Confirm & Submit’

Step 7

Now you’ll see a confirmation of your transaction and you points will move between accounts instantaneously.

That’s it!

Enjoy your Ultimate Rewards points and don’t forget to register for whatever Chase Freedom quarterly promotion is currently running.