How (and why) to mix your Chase Final Rewards factors right into a single account

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Chase’s Final Rewards program can supply some unimaginable worth. It’s no shock that the forex recurrently seems close to the highest of TPG’s month-to-month valuations, checking in at 2 cents per level in our most up-to-date iteration.

Probably the greatest issues concerning the Final Rewards program is how versatile the factors are, not solely in terms of your redemption choices but in addition if you’re seeking to switch factors between your Chase bank cards.

Searching for a handy option to see all your transferable Chase factors in a single place? Obtain the free TPG app!

In reality, it’s among the many most customer-friendly transferable factors applications alongside these traces. And by combining Final Rewards factors in a single account, you may successfully add as much as 50% in worth to a few of your playing cards. That is significantly interesting given the present best-ever welcome bonuses on a pair of no-annual-fee playing cards: the Ink Enterprise Money Credit score Card and the Ink Enterprise Limitless Credit score Card.

So, immediately I’ll undergo a tutorial on methods to switch Final Rewards factors between accounts and focus on when to think about doing so.

Overview of the Chase Final Rewards program

Earlier than we get began, right here’s an inventory of the most important playing cards that take part within the Final Rewards program:

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 Ink Limitless). Whereas it’s true that these playing cards formally earn cash-back rewards, they do nonetheless fall beneath the Final Rewards program. They usually develop into significantly worthwhile if you maintain them together with the Chase Sapphire Reserve, Chase Sapphire Most well-liked or Ink Enterprise Most well-liked.

That’s as a result of you may mix the rewards you earn throughout all your Final Rewards playing cards right into a single account. As such, you may convert all the rewards earned by these cash-back playing cards into totally transferable Final Rewards factors when you’ve got a Chase Sapphire Reserve, Chase Sapphire Most well-liked or Ink Enterprise Most well-liked. That is the enduring energy of my favourite mixture of bank cards, what I name the “excellent Chase quartet,” which consists of the next:

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Nevertheless, the flexibility to mix your factors is not restricted to your personal accounts. You are able to do this with a family member as properly.

On the subject 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’re the first cardholder.
  2. Switch factors between an account the place you’re the first cardholder and one the place another person is the first cardholder.

We’ll take a step-by-step take a look at every of those situations.

Associated: All over the world: Find out how to spend 1 million Chase Final Rewards factors

Find out how to arrange your Final Rewards account

The very first thing you’ll have to do is make sure that your Final Rewards-earning bank cards are all related to the identical on-line account. In the event you haven’t arrange on-line entry, begin at and click on on “Not enrolled? Join now” on the right-hand facet of the web page.


If you have already got a Chase account and utilized for a brand new Final Rewards card, it ought to robotically 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.

Observe that you may produce other (non-Final Rewards) accounts related to the identical Chase username. I at the moment 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 well-liked and Freedom Limitless

Find out how to mix Final Rewards factors

When you’ve arrange your on-line account, the method for each sorts 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 after which click on “Redeem” subsequent to your rewards stability.


Clicking on “Redeem” will launch the Final Rewards portal. At this level, when you’ve got multiple card on the account, you’ll want to pick the one from which you need to switch your factors (you may skip to the subsequent step in the event you or your family member solely has one card).

It will deliver you to the cardboard’s homepage. On the prime, you’ll doubtless have to click on the “Earn / Use” tab to increase the menu and see the assorted icons for what you are able to do. From there, discover and click on on the “Mix Factors” possibility:


Right here is the place issues begin to differ, relying on whether or not you’re combining factors from two of your accounts or if you wish to switch your factors to another person. The better of the 2 entails combining factors on two accounts the place you’re the first cardholder on each accounts.

Associated: 10 finest methods to make use of 100,000 Chase Final Rewards factors

Transferring factors between your accounts

After clicking the “Mix Factors” possibility, select the account from which you need to switch your factors and the account into which you’d just like the factors deposited. Observe that on this screenshot, I am transferring factors from my Ink Enterprise Money to my Chase Sapphire Reserve.


Then click on “Subsequent” on the backside.

On the subsequent web page, you may have to sort within the precise variety of factors you need to transfer. Observe that, in contrast to transferring Final Rewards factors to journey companions, you don’t have to stay to multiples of 1,000 factors. You may transfer any variety of factors between your accounts.

Once you’re prepared, click on “Evaluation” on the backside of the web page.


Evaluation the small print (together with the phrases and circumstances on the backside), then click on “Submit” when you’re able to course of the switch.


The following web page will affirm that the switch was profitable:


Your new stability must also be mirrored on the prime of the web page, as these transfers occur instantaneously.

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Transferring to a different individual’s account

Along with combining your factors in a single account, you can too 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 (emphasis mine):

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 just’ve engaged in fraudulent exercise associated to your bank card account or Final Rewards, or that you just’ve misused Final Rewards in any manner (for instance by shopping for or promoting factors, transferring or transferring factors with or to an ineligible third social gathering 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’ve already earned. If we imagine you’ve engaged in any of those acts, we’ll shut your bank card account.

Once you switch factors between your personal accounts, you’re clearly throughout the bounds of those phrases. Nevertheless, if you switch factors to another person’s Final Rewards accounts, they should be a member of your family (or an proprietor of the enterprise for Chase Ink playing cards).

Presently, the primary time you switch factors to a different particular person’s account, you’ll 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 member of your family. The agent will ask for the cardboard variety of your family member, however then you may 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 is best to solely have to name as soon as — except you or your family member resolve to take away the account.

When you’ve added a family member’s account, the method is similar to what I outlined above. You’ll select what number of factors to switch, evaluate the small print after which submit the switch request.

Associated: The highest 5 bank cards for maximizing Chase Final Rewards earnings

When to switch Final Rewards factors between accounts

You would mix rewards to then guide a visit to Portland, Maine. WYATT SMITH/THE POINTS GUY

Now that you know the way to mix Final Rewards factors right into a single account, chances are you’ll marvel when it is sensible to take action. Listed below are thrice if you’ll need 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 should not merely cash-back playing cards. In the event you even have a premium card such because the Chase Sapphire Reserve or Chase Sapphire Most well-liked, you may convert your cash-back rewards into Final Rewards factors. Final Rewards factors are price a minimum of 25% extra when redeemed immediately for journey, however you can too switch to companions like Hyatt and United for much more worth.

For instance, let’s assume you may have $300 of cash-back rewards in your Freedom Limitless. When you’ve got the Chase Sapphire Most well-liked, you may get $375 price of journey by combining the rewards out of your Freedom Limitless along with your Chase Sapphire Most well-liked. When you’ve got the Chase Sapphire Reserve, the worth jumps to $450.

Nevertheless, each of those playing cards additionally embrace the flexibility to switch factors to this system’s numerous journey companions. In the event you can redeem them for the complete quantity of TPG’s most up-to-date valuations, your worth jumps to $600 — double the usual quantity.

That is additionally an amazing possibility in case your associate or partner solely has cash-back playing cards with no annual charge — which is exactly the case with me and my spouse. She will be able to use her Ink Money and Freedom Limitless playing cards and 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’ve got a particular redemption in thoughts. You may guide some excellent awards with Final Rewards factors, however chances are you’ll 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 may then guide the redemption you need.

Once you need to cancel a card

A last rationale for combining factors is if you wish to cancel a card. For instance, when you’ve got the Chase Sapphire Most well-liked and need to choose up the Chase Sapphire Reserve, you may’t have each on the similar time. Whereas it might make extra sense to downgrade to a card such because the Freedom Limitless, you would possibly need to cancel as a substitute. However earlier than doing so, switch your rewards to a different of your accounts (or to your designated family member). That manner, you don’t lose your rewards.

Associated: Right here’s why it is 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 plenty of that worth comes from the pliability of the factors you earn. You may switch to numerous journey companions, however you can too mix factors throughout your accounts or switch factors to a delegated family member.

In the event you’ve not too long ago signed up for a brand new Final Rewards-earning card just like the Chase Sapphire Reserve or Chase Sapphire Most well-liked Card, I hope this publish has given you some perception into how one can lengthen the worth of your factors even additional.

Further reporting by Katie Genter.

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