Can you transfer chase sapphire points to another person

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• If you cash out the rewards you earn with cards like the Chase Freedom Flex℠, you're leaving value on the table.
• To get more value per point, you can transfer points to a card like the Chase Sapphire Preferred® Card.
• The process takes just a couple of minutes, and you can then receive an average value of 1.8 cents per point (per Insider's valuations).
• See Insider's picks for the best rewards credit cards.

Many Chase credit cards, such as the Chase Freedom Flex℠ and the Ink Business Cash® Credit Card, are marketed as cash-back credit cards. Their potential return rates are high, as well — up to 5% cash back — making them very enticing for just about anyone.

But these cards are even better than Chase makes them sound: They actually earn Chase Ultimate Rewards® points which you can redeem for cash back at 1 cent per point. In other words, these cards actually earn up to 5 Chase points per dollar. Chase points are more valuable than cash back because you can transfer them to airline and hotel partners for huge value — but only if you have certain cards.

Insider's Featured Rewards Credit Cards

• Wells Fargo Autograph℠ Card

• Citi Premier® Card

• Chase Sapphire Preferred® Card

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Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.

Limited time offer of 30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening (offer expires 01/10/2023)

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Insider's valuations estimate that Chase points are worth an average of 1.8 cents each when you transfer them to Chase's airline and hotel partners. That means earning 5 points per dollar is tantamount to earning 9% back in travel. To unlock this ability, however, you'll need to have one of the following cards:

• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®
• Ink Business Preferred® Credit Card

By simply transferring the rewards you earn with Chase's "cash back" cards to one of the above cards, you'll instantly unlock the ability to transfer your points to airlines and hotels. It's as easy as transferring money between a savings account and a checking account.

Here's a step-by-step look at how to transfer Chase points between credit cards.

Transfer Chase points between these credit cards 

Intro offer

$200 after spending $500 on purchases in the first three months from account opening

Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

Intro offer

$200 after spending $500 on purchases in the first three months from account opening

Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

Chase Freedom Flex℠

Details

Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

Intro offer

$200 after spending $500 on purchases in the first three months from account opening

Recommended Credit

Good to Excellent

Regular APR

17.99% - 26.74% Variable

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

Pros & Cons

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No annual fee

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Generous bonus cash-back categories

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Great welcome bonus

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Booking through Chase Ultimate Rewards portal can restrict outside earning potential

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Varying percentages and rotating calendar categories require extra attention

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3% foreign transaction fees

Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
• No annual fee %u2013 You won't have to pay an annual fee for all the great features that come with your Freedom FlexSM card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Additional Reading

Intro offer

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Rewards

Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.

Intro offer

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Rewards

Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.

Chase Freedom Unlimited®

Details

Rewards

Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.

Intro offer

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Recommended Credit

Good to Excellent

Regular APR

17.99% - 26.74% Variable

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

Pros & Cons

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Solid flat cash-back rate

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You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card

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No annual fee

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Some other cards offer a higher rate of cash back on certain types of purchases

Highlights

• 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 17.99% - 26.74%
• No annual fee %u2013 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, real-time alerts, and more.

Additional Reading

Chase Sapphire Preferred® Card

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Sapphire Preferred® Card

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Sapphire Preferred® Card

Details

Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular APR

18.99% - 25.99% Variable

Editor's Rating

4.8/5

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros & Cons

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High intro bonus offer starts you off with lots of points

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Strong travel coverage

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Doesn't offer a Global Entry/TSA PreCheck application fee credit

Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
• Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
• With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Additional Reading

Intro offer

80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Intro offer

80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Chase Sapphire Reserve®

Details

Rewards

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Intro offer

80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular APR

19.99% - 26.99% Variable

Editor's Rating

4.65/5

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros & Cons

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Annual travel credit can effectively shave $300 off the annual fee if you use it

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Strong travel insurance

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Strong bonus rewards on travel and dining

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Very high annual fee

Highlights

• Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Additional Reading

Ink Business Cash® Credit Card

Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Ink Business Cash® Credit Card

Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Ink Business Cash® Credit Card

Details

Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Recommended Credit

Good to Excellent

Regular APR

16.24% - 22.24% Variable

Intro APR

0% intro APR on purchases for 12 months from account opening

Pros & Cons

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Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)

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Intro APR offer for purchases

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No annual fee

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You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel

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Annual cap on bonus categories

Highlights

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Additional Reading

• Ink Business Unlimited® Credit Card

  Intro offer

  $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

  Rewards

  Earn unlimited 1.5% cash back on every purchase made for your business.

  Ink Business Unlimited® Credit Card

  Intro offer

  $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

  Rewards

  Earn unlimited 1.5% cash back on every purchase made for your business.

  Ink Business Unlimited® Credit Card

  Details

  Rewards

  Earn unlimited 1.5% cash back on every purchase made for your business.

  Intro offer

  $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

  Recommended Credit

  Good to Excellent

  Regular APR

  16.24% - 22.24% Variable

  Intro APR

  0% intro APR on purchases for the first 12 months

  Pros & Cons

  Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

  Check mark iconA check mark. It indicates a confirmation of your intended interaction.

  Earns 1.5% cash back on every purchase, with no bonus categories to keep track of

  Check mark iconA check mark. It indicates a confirmation of your intended interaction.

  Intro APR offer

  Check mark iconA check mark. It indicates a confirmation of your intended interaction.

  No annual fee

  Dash iconA dash. It often indicates an interaction to shrink a section.

  You can earn more cash back on some purchases with a card that has bonus categories

  Highlights

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  Additional Reading

  Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

Ink Business Preferred® Credit Card

Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Ink Business Preferred® Credit Card

Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Ink Business Preferred® Credit Card

Details

Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Recommended Credit

Good to Excellent

Regular APR

18.99% - 23.99% Variable

Pros & Cons

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

High sign-up bonus

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Offers 3x bonus points on several spending categories, including travel and advertising purchases

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Includes comprehensive travel coverage

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Welcome bonus has a very high minimum spending requirement

Highlights

• Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Additional Reading

Chase Freedom® Student credit card

Intro offer

$50 Bonus after first purchase made within the first 3 months from account opening

Rewards

Earn 1% cash back on all purchases

Chase Freedom® Student credit card

Intro offer

$50 Bonus after first purchase made within the first 3 months from account opening

Rewards

Earn 1% cash back on all purchases

Chase Freedom® Student credit card

Details

Rewards

Earn 1% cash back on all purchases

Intro offer

$50 Bonus after first purchase made within the first 3 months from account opening

Recommended Credit

Good to Excellent

Regular APR

17.99% Variable

Pros & Cons

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

$20 Good Standing rewards (2,000 points) after each account anniversary year for the first five years

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Potential to earn a credit limit increase after making on-time payments

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Solid benefits for a no-annual-fee student card, including purchase protection, extended warranty, and trip cancellation/interruption insurance

Dash iconA dash. It often indicates an interaction to shrink a section.

Only earns 1% cash back on most purchases

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Foreign transaction fees

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Some student cards offer a higher welcome bonus

Highlights

• $50 Bonus after first purchase made within the first 3 months from account opening
• Earn 1% cash back on all purchases
• No annual fee
• $20 Good Standing Rewards after each account anniversary for up to 5 years
• Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
• No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
• Free credit score with Chase Credit Journey

Additional Reading

How to transfer Chase Ultimate Rewards points between cards

1. Log into the Chase Ultimate Rewards portal

You can either head directly to the Chase Ultimate Rewards portal or navigate there from your account page. Just log into your Chase account and click on a Chase Ultimate Rewards earning credit card. Then look for the "Redeem" link with the amount of Chase points the card holds.

Step 2. Choose your Chase card

You'll now see a list of all your Chase Ultimate Rewards-accruing credit cards. You'll be brought to the Ultimate Rewards dashboard of whichever card you select.

Choose any card. You don't have to view the account of the card with the points you want to transfer.

Step 3. Click "Combine Points"

We're now looking at the Chase Freedom Unlimited®'s Ultimate Rewards landing page. Click the "Earn/Use" button near the top left corner of the page to view a drop-down menu. Click on the last button labeled "Combine Points."

Step 4. Combine your points

You can now see all your Ultimate Rewards credit cards on the screen. Simply choose the card that's got the points you want to transfer and then the card which will be the destination of your points.

We'll move the 74 points from the Chase Freedom Unlimited® to the Chase Sapphire Preferred® Card. This will instantly unlock the ability to transfer those 74 points to airline and hotel partners.

Step 5. Specify the number of points you want to transfer

You don't have to transfer all of your points — you can choose any amount. Enter the number of points you want to transfer, and then click "Review."

The site will ask you one more time if you're sure you want to convert your points, and will then process your request.

Step 6. View the confirmation screen

Chase will confirm your transfer. If you change your mind for some reason and want to transfer the points back, you can do so at any time. You can freely transfer points between Ultimate Rewards accounts.

It's worth noting that this is not the case when transferring Chase points to airline and hotel programs. Once you transfer your points to a travel partner, you cannot transfer them back to Chase. They're gone forever. 

Chase points transfers between credit cards frequently asked questions (FAQ)

Unless you have no travel aspirations, it's absolutely worth transferring your points from a no-annual-fee Chase Ultimate Rewards points-earning card to one with an annual fee. This will give you the ability to transfer your points to loyalty programs like Hyatt, United Airlines, Southwest, Singapore Airlines, and many more. Again, Insider estimates the average value of Chase points when redeemed this way is 1.8 cents — far more than the 1 cent you'll receive when redeeming for cash.

You can transfer Chase points to the credit card of one person in your household. If you've linked the person to your account, their card should appear as a destination on the transfer points page.

You can transfer points to the airline or hotel loyalty program of one authorized user in your household.

In the top menu of your Chase Ultimate Rewards account is a button that says "Transfer to Travel Partners." This will only appear on the account of an annual fee-incurring card such as the Chase Sapphire Preferred® Card.

You'll find a list of all of Chase's transfer partners. After you input your loyalty number and link your airline or hotel account with the Chase Travel Portal, you'll be able to transfer your points.

Joseph Hostetler, CEPF

Credit cards reporter

Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF). Joseph has more than five years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets.  You can reach Joseph at . Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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