6 Frequently Asked Questions about Chase Ultimate Rewards Points

Q: Do Chase co-branded credit card like the Amazon Prime, Marriott Rewards, and the Ritz-Carlton cards earn Ultimate Rewards points? 

A: Even though the cards are Chase cards, they do not earn UR points. The cards mentioned above earn points from their respective program.

The Chase cards below are sorted by their programs as outlined by the boxes. Only Chase core products will earn UR points. United cards will only earn United miles, and not UR points. Each card that isn't encompassed by a light blue box has their separate points program as well. 

Chase Cards

Q: Can you transfer points from other programs like United and Marriott to UR points?

A: No. You can't transfer points to Ultimate Rewards, but you can transfer UR points to transfer partners. 

For example, you can transfer UR points to United, but you can't transfer United points to UR points.

Also, only certain Chase cards will let you transfer points to another program:

  • Chase Sapphire Preferred
  • Chase Sapphire Reserve
  • Chase Ink Plus
  • Chase Ink Preferred

Transferring points to a partner program can lead to increased points value. For example, if you want to fly first class from SF to Tokyo on United, you would need:

  • 40,000 points for Economy
  • 70,000 points for Business
  • 80,000 points for First Class

If you were to pay out of pocket for the airfare, it would average $500 for Economy, $2,000 for Business, and $4,000 for First Class. 


Q: Can you combine UR points between multiple cards like the Chase Freedom Unlimited, Chase Freedom, and Chase Sapphire Reserve? 

A: Yes, you can combine UR points across Chase core cards. Here's how:

  1. Log into the UR portal
  2. Click on the top right-hand corner and select "transfer points."
  3. If you have the Chase Sapphire Preferred or the Chase Sapphire Reserve, we recommend transferring to one of these cards for maximum point redemption value. These two cards also have the ability to transfer UR points to transfer partners. 

Watch the video below to learn more about the Chase Sapphire Reserve and how to transfer UR points to one account:


Q: Can I transfer UR points to family members? 

A: Yes, Chase lets you transfer points to members in the same household. Be careful and err on the safe side by making sure last names are the same, or you have lived in the same household for a relatively long time.

The reason for this is because Chase has shut accounts down for selling UR points. Some people also try to game the system by changing their address temporarily. It's not worth getting shut down by Chase. 


Q: How do you use UR points effectively? 

A: Transfer partners are the best way to get the most out of UR points. Watch the video below to learn about the best (and worst) ways to use UR points:


Q: Do UR points expire?

A: No, UR points do not expire.