Chase’s Final Rewards program can provide 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.
Top-of-the-line issues in regards to the Final Rewards program is how versatile the factors are, not solely in relation to your redemption choices, but in addition 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’ll be able to maximize the worth you get out of each redemption.
With stable presents throughout Chase’s product portfolio, together with the favored Chase Sapphire Most popular® Card (see charges and costs), now may very well be the proper time to familiarize your self with this technique for maximizing your Chase factors.
So, here is a tutorial on the best way to switch Final Rewards factors between accounts and a take 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 foremost playing cards that take part within the Final Rewards program:
The knowledge 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 offered by the cardboard issuer.
(Be aware 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 will solely be redeemed for money again.)
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Savvy readers on the market could discover that there are 5 cash-back playing cards included on this checklist (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 below the Final Rewards program. They turn out to be significantly worthwhile while you maintain them together with 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 absolutely transferable Final Rewards factors when 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 prefer to name the “good Chase quartet”:
| Card | Bonus classes |
Annual charge |
|---|---|---|
| applyLink pid=”221211836″ overridetext=”Chase Sapphire Reserve”] |
|
$795 |
| Chase Freedom Flex (or Chase Freedom) |
|
$0 |
| Ink Enterprise Money Credit score Card |
|
$0 |
| Chase Freedom Limitless |
|
$0 |
Nonetheless, the power to mix your factors is not restricted to your personal accounts. You are able to do this with a family member as properly.
In terms of 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 take a look at every of those eventualities.
Associated: How a lot are Chase Final Rewards factors value?
Methods to arrange your Final Rewards account
The very first thing you may have to do is be certain 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 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 accredited. To ensure, log in to your account and click on on “Account Exercise.” Scroll down and search for the brand new card.
Be aware that you may 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 ability of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless
Methods to mix Chase Final Rewards factors
When you arrange your on-line account, the method for each kinds of transfers begins the identical. Begin by logging in to the Chase account from which you need 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.
Methods to switch Chase factors between your playing cards
After clicking the “Mix factors” possibility, select the account from which you need to switch your factors and the account the place you’d just like the factors deposited. Be aware that on this screenshot, I am transferring factors from my Chase Freedom Flex to my Chase Sapphire Reserve.
Card artwork could differ for Sapphire Reserve cardholders who utilized on or after June 23, 2025.
Then click on “Subsequent” on the backside.
On the subsequent web page, you should kind within the actual variety of factors you need to transfer. Be aware 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.
If you’re prepared, click on “Assessment” on the backside of the web page.
Assessment the main points (together with the phrases and situations on the backside), then click on “Submit” while you’re able to course of the switch.
The subsequent web page will verify 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.
Associated: From worldwide enterprise class to home hops: 6 of one of the best Chase Final Rewards candy spots
Methods to switch Chase factors to a different particular person
Along with combining your factors in a single account, you can even use this performance to switch factors to (or from) one other particular person’s account.
Nonetheless, earlier than doing so, learn the phrases and situations 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’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, shifting or transferring factors with or to an ineligible third get together 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 could quickly prohibit you from incomes factors or utilizing factors you have already earned. If we imagine you have engaged in any of those acts, we’ll shut your bank card account.
If you switch factors between your personal accounts, you are clearly throughout the bounds of those phrases. Nonetheless, while you switch factors to another person’s Final Rewards account, they should be a member of your family (or an proprietor of the enterprise for Chase Ink playing cards).
At present, 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 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, it’s best to 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 will select what number of factors to switch, evaluation the main points after which submit the switch request.
Associated: Supercharge your Chase Final Rewards steadiness with these high 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 could marvel when it is sensible to take action.
Listed here are 3 times you may need to contemplate 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. In case you 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 probably the most worthwhile when redeemed immediately for journey, significantly while you switch to companions like Hyatt and United Airways.
For instance, as an example you’ve gotten 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
Nonetheless, these cash-back rewards may be transformed into full Final Rewards factors in the event you even have the Sapphire Most popular. In consequence, 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 web 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 sometimes runs specials for reward playing cards and even Apple merchandise).
However with the Sapphire Most popular or the Ink Enterprise Most popular, your factors can be utilized to ebook journey immediately 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 need 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 varied journey companions. In case you can redeem them for the complete quantity of TPG’s July 2025 valuations, your worth jumps much more.
That is additionally an ideal possibility in case your accomplice or partner solely has cash-back playing cards with no annual charge, 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 worthwhile redemptions than she’d get on her personal.
Boosting accounts for a particular redemption
Another excuse to mix factors is when you have a particular redemption in thoughts. You may ebook some excellent awards with Final Rewards factors, however you could 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 ebook the redemption you need.
If you need to cancel a card
A closing rationale for combining factors is if you wish to cancel a card. Earlier than canceling your card, contemplate downgrading your card as an alternative.
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 it’s best to by no means shut your bank cards earlier than the 1-year mark
Backside line
The Final Rewards program is extremely worthwhile, and far of that worth comes from the flexibleness of the factors you earn. You may switch to numerous journey companions, however you can even mix factors throughout your accounts or switch factors to a chosen family member.
In case you’ve lately signed up for a brand new Final Rewards-earning card just like the Chase Sapphire Most popular Card, I hope this publish has given you some perception into how one can prolong the worth of your factors even additional.
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