Why You Should Routinely Transfer UR Points to the Chase Sapphire Reserve (or Chase Sapphire Preferred)

I'm a fan of the Chase Trifecta, and I took it a step further and created the Chase Quadfecta. Every month, I routinely transfer all my Ultimate Rewards (UR) points to the card that gets the best point redemptions: the Chase Sapphire Reserve. 

 I usually transfer the points so it's more convenient to book travel if I see a last minute flight deal via Scott's Cheap Flights. Learn more about how I find cheap flights in this post. 

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Aside from convenience, there might be a new reason to routinely transfer your UR points to the best points redeeming card. 

A RUMOR via Frequent Miler states that Chase is looking to end the ability to combine points between cards. I want to emphasize that this is only a rumor, and it's NOT confirmed. 

So that raises the question, what would happen if Chase really did decide to end the ability to pool UR points? Let's walk through each card of the Quadfecta.

Chase Freedom

  • Is the card still viable? Yes.

The Chase Freedom would still be viable to earn cash back on 5x rotating categories. 5x is still better than a 2% cash back card.

Chase Freedom Unlimited

  • Is the card still viable? No.

The optimal strategy is you have the Chase Freedom Unlimited, and the changes happen, is to product change it to a Chase Freedom card. Since it only earns 1.5%, there are better 2% cards out there.

Chase Sapphire Preferred and Chase Sapphire Reserve

  • Is the card still viable? Yes.

The Chase Sapphire cards will still have access to the Chase Travel Portal and transfer partners, so I would keep them to keep getting positive expected value. 

Chase Ink Cash

  • Is the card still viable? Yes.

The Chase Ink Cash doesn't have an annual fee, and it's still good for earning 5x on select business categories. 

Chase Ink Preferred

  • Is the card still viable? Yes.

The Chase Ink Preferred has access to the Chase Travel Portal and transfer partners, so if you don't have a Chase Sapphire card, this is a good alternative. You'll still receive positive expected value when you redeem points for travel.