It is commonplace to have multiple bank card in your pockets — in spite of everything, the common American carries 4. And it may be good to have a mixture of playing cards so you may optimize the quantity of rewards you may earn in a wide range of classes, such a fuel, groceries and journey. And in some instances, you may mix factors from completely different playing cards beneath the identical issuer so it can save you much more.
The Chase Final Rewards® (CUR) portal is a good useful resource for cardholders trying to maximize factors. When you’ve got multiple eligible Chase card, chances are you’ll think about combining factors into one account so you may pool rewards and doubtlessly money them in for larger worth.
Chase bank cards that earn Final Rewards embrace:
Freedom playing cards are historically cash-back playing cards, however they pair nice with both Sapphire card since you may simply maximize rewards by means of the CUR portal. Factors are extra worthwhile while you apply them to purchases contained in the CUR portal, so it is higher to switch your cash-back factors to a Sapphire card as a substitute of choosing an account credit score or digital deposit.
Right here is the extra worth given to the Final Rewards Factors while you redeem them contained in the CUR:
- Sapphire Most well-liked and Ink Enterprise Most well-liked: 25% extra worthwhile
- Sapphire Reserve: 50% extra worthwhile
As an illustration, 10,000 factors with the Freedom card are equal to 15,000 factors when redeemed for journey by means of the CUR portal with the Sapphire Reserve.
Beneath, CNBC Choose gives a step-by-step information on switch Chase Final Rewards factors.
How you can switch Chase Final Rewards factors
- Log in to the Chase Final Rewards portal.
- Develop the “Earn / Use” menu to view redemption choices.
- Click on on “Mix Factors” (you will have to click on “See All” to disclose the “mix factors” choice).
- Select the cardboard you need to switch factors from and the cardboard you need to transfer factors to, then “Proceed.”
- Enter what number of factors you want to switch and make sure the quantity.
- Assessment the switch request, then “Affirm & Submit.”
- Report your order quantity in case there’s a problem.
Causes to switch Chase Final Rewards factors
Transferring CUR factors could be a nice choice for a wide range of causes. Should you plan on reserving journey by means of the portal, it is a good suggestion to consolidate factors to at least one account. This lets you maximize rewards and offset extra of the price of a lodge or airline ticket. Another excuse to switch your factors is in the event you plan to shut your account. In case you are contemplating closing your card, be sure you switch any factors previous to account closure so you do not lose them.
Are you able to switch Chase Final Rewards factors to another person?
You may simply switch factors between your Final Rewards card accounts or to somebody in your family with an Final Rewards card. As an illustration, you may switch your Freedom rewards to your Sapphire Most well-liked card or to your associate’s Sapphire Reserve.
Nonetheless, Chase gives the next disclaimer about transferring CUR factors to a different cardholder:
“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 approach (for instance by shopping for or promoting factors, transferring 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 real function 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 and you will lose all of your factors.”
It is in your finest curiosity to abide by these phrases so you do not threat account closure or factors forfeiture.
In case you are involved in sharing your factors with a good friend, it’s potential with Citi’s Factors Sharing Program. With rewards playing cards just like the Citi Rewards+℠ Card, you might be able to share ThankYou® Factors to an eligible Citi cardholder (restrictions could apply).
Details about the Chase Freedom® has been collected independently by CNBC and has not been reviewed or offered by the issuer of the cardboard previous to publication.
Editorial Observe: Opinions, analyses, evaluations or suggestions expressed on this article are these of the CNBC Choose editorial employees’s alone, and haven’t been reviewed, accredited or in any other case endorsed by any third celebration.