Chase’s Final Rewards program can provide some unbelievable worth. It is no shock that the forex recurrently seems close to the highest of TPG’s month-to-month valuations, checking in at 2.05 cents per level in our April 2025 iteration.
Among the best issues in regards to the Final Rewards program is how versatile the factors are, not solely in the case of your redemption choices, but in addition whenever you’re trying to switch factors between your Chase bank cards.
Actually, it is among the many most customer-friendly transferable factors packages alongside these traces. By combining Final Rewards factors in a single account, you’ll be able to successfully add as much as 50% in worth to a few of your playing cards.
With the stable provides throughout the Chase 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.
Highest-ever provide: Chase Sapphire Most popular — Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
So, here is a tutorial on how one can 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 a listing of the most important playing cards that take part within the Final Rewards program:
(Observe that the Ink Enterprise Premier® Credit score Card (see charges and costs) can also be issued by Chase, however you’ll be able to’t mix these rewards with different playing cards. They continue to be as money again.)
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The knowledge for the Chase Freedom bank card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
The savvy readers on the market could discover that there are 5 cash-back playing cards included on this record (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 do nonetheless fall below the Final Rewards program. They change into significantly beneficial whenever you maintain them along side the Chase Sapphire Reserve, the Chase Sapphire Most popular or the Ink Enterprise Most popular.
That is as a result of you’ll be able to mix the rewards you earn throughout all of your Final Rewards playing cards right into a single account. As such, you’ll be able to convert all of the rewards earned by these cash-back playing cards into totally transferable Final Rewards factors when you’ve got a Sapphire Reserve, Sapphire Most popular or Ink Enterprise Most popular.
That is the enduring energy of my favourite mixture of bank cards, what I name the “good Chase quartet,” which consists of the next:
| Card | Bonus classes |
Annual price |
|---|---|---|
| Chase Sapphire Reserve | Journey and eating (3 factors per greenback) | $550 |
| Chase Freedom Flex (or Chase Freedom) | Rotating bonus classes every quarter after activation (5% again on as much as $1,500 in mixed purchases) | $0 |
| Ink Enterprise Money Credit score Card | Workplace provide shops and telecommunications suppliers (5% again on the primary $25,000 spent in mixed purchases), together with gasoline stations (2% again) | $0 |
| Chase Freedom Limitless | Drugstores (3% money again) and all different purchases (1.5% money again) | $0 |
Nevertheless, the power to mix your factors is not restricted to your individual accounts. You are able to do this with a family member as nicely.
In terms of combining Final Rewards factors, there are two several types 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.
This is a step-by-step have a look at every of those situations.
The best way to arrange your Final Rewards account
The very first thing you will have to do is make 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? Enroll now” on the right-hand aspect of the web page.
If you have already got a Chase account and utilized for a brand new Final Rewards card, it ought to mechanically seem shortly after getting authorized. To ensure, log in to your account and click on on “Account Exercise.” Scroll down and search for the brand new card.
Observe which you can produce other (non-Final Rewards) accounts related to the identical Chase username. I at present have a number of others on the identical on-line account, making it simpler to handle all my playing cards.
Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless
The best way 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 stability.
It will launch the Final Rewards portal. On the prime, 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.
The best way 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.
Then click on “Subsequent” on the backside.
On the subsequent web page, you could sort within the precise variety of factors you wish to transfer. Observe that, not like transferring Final Rewards factors to journey companions, you do not have to stay to multiples of 1,000 factors. You may transfer any variety of factors between your accounts.
While you’re prepared, click on “Overview” on the backside of the web page.
Overview the small print (together with the phrases and circumstances on the backside), then click on “Submit” whenever you’re able to course of the switch.
The following web page will affirm that the switch was profitable.
Your new stability also needs to be mirrored on the prime of the web page, as these transfers occur instantaneously.
Associated: From worldwide enterprise class to home hops: 6 of the perfect Chase Final Rewards candy spots
The best way to switch Chase factors to a different individual
Along with combining your factors in a single account, you may also use this performance to switch factors to (or from) one other individual’s account.
Nevertheless, earlier than doing so, learn the phrases and circumstances of mixing Final Rewards factors:
You may 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 have engaged in fraudulent exercise associated to your bank card account or Final Rewards, or that you have misused Final Rewards in any manner (for instance by shopping for or promoting factors, shifting or transferring factors with or to an ineligible third celebration or account, or repeatedly opening or in any other case sustaining bank card accounts for the only objective of producing rewards or manufacturing spend, repeatedly opening or in any other case sustaining bank card accounts for the only objective of producing rewards) we could briefly prohibit you from incomes factors or utilizing factors you have already earned. If we consider you have 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, whenever 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).
At the moment, whenever you switch factors to a different particular person’s account for the primary time, you will have to name the quantity on the again of your card. Clarify to the agent that you just’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’ll be able to 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 must solely have to name as soon as — until you or your family member determine to take away the account.
As soon as you have added a family member’s account, the method is equivalent to what I outlined above. You may select what number of factors to switch, overview the small print after which submit the switch request.
Associated: Supercharge your Chase Final Rewards stability with these prime 5 playing cards
When to switch Final Rewards factors between accounts
Now that you know the way to mix Final Rewards factors right into a single account, you might surprise when it is sensible to take action. Listed here are thrice you will 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 are usually not merely cash-back playing cards. If you happen to even have a premium card, such because the Chase Sapphire Reserve or the Chase Sapphire Most popular, you’ll be able to convert your cash-back rewards into Final Rewards factors. Final Rewards factors are value at the very least 25% extra when redeemed straight for journey, however you may also switch to companions like Hyatt and United Airways for much more worth.
For instance, as an example you have got each the Sapphire Most popular and the Chase Freedom Limitless. The Freedom Limitless provides these bonus classes that the Sapphire Most popular doesn’t.
- 3% money again on drugstore purchases
- 1.5% money again on all different purchases
Nevertheless, these cash-back rewards might be transformed into full Final Rewards factors if you happen to even have the Sapphire Most popular. Consequently, that is equal to incomes 3 Final Rewards factors per greenback spent at drugstores, plus 1.5 Final Rewards factors per greenback spent on all different purchases. That is higher than utilizing the Sapphire Most popular for these purchases — which might be 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 usually 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 are value 1.25 cents when used by means of Chase Journey℠, and this jumps to 1.5 cents for the Sapphire Reserve.
However if you’d like the potential for much more worth, combining your rewards with both Sapphire card allows you to switch factors to this system’s numerous journey companions. If you happen to can redeem them for the total quantity of TPG’s most up-to-date valuations, your worth jumps much more.
That is additionally a terrific possibility in case your companion or partner solely has cash-back playing cards with no annual price — 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 beneficial redemptions than she’d get on her personal.
Boosting accounts for a particular redemption
Another excuse to mix factors is when you’ve got a particular redemption in thoughts. You may e-book some excellent awards with Final Rewards factors, however you might 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’ll be able to e-book the redemption you need.
While you wish to cancel a card
A remaining rationale for combining factors is if you wish to cancel a card. For instance, when you’ve got the Chase Sapphire Most popular and wish to decide up the Chase Sapphire Reserve, you cannot have each on the identical time. Whereas it might make extra sense to downgrade to a card like Freedom Limitless, you would possibly wish to cancel as a substitute.
Earlier than doing so, switch your rewards to a different of your accounts (or to your designated family member). That manner, you do not lose your rewards.
Associated: This is why you must by no means shut your bank cards earlier than the 1-year mark
Backside line
The Final Rewards program is extremely beneficial, and far of that worth comes from the flexibleness of the factors you earn. You may switch to numerous journey companions, however you may also mix factors throughout your accounts or switch factors to a delegated family member.
If you happen to’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 put up has given you some perception into how one can prolong the worth of your factors even additional.
