How To Transfer Flexible Points to Other Accounts [2022]

Q: Can I combine my Amex points with another person who has Amex points?

You can combine points across your Membership Rewards accounts, but you are not allowed to pool or combine Membership Rewards points earned by another person.

Award programs (whether airlines, hotels, or credit cards) are complicated if you’re not in the game. Most programs have tons of rules and restrictions, which can be confusing even for people who look at this stuff every day.

One aspect that can be especially confusing is when and how you can combine and transfer your points. In this article, we’ll walk you through how to combine and transfer flexible points between your own accounts, as well as from your own account to family (e.g., spouse), friends, and authorized users.

Table of contents

How To Transfer Flexible Points From Your Account

There are currently 7 major flexible point programs: American Express Membership Rewards, Bilt Rewards, Brex Rewards, Capital One Miles, Chase Ultimate Rewards, Citi ThankYou Rewards, and Marriott Bonvoy.

When you earn points in each of these programs, you can transfer those points to the loyalty program’s partners.

For example, when you earn Amex Membership Rewards points, you can transfer those points directly to Singapore Airlines’ KrisFlyer to book a Singapore Airlines first class flight.

To highlight a more nuanced example, you can earn Chase Ultimate Rewards points, transfer those points directly to Virgin Atlantic Flying Club, and book an ANA first class flight because Virgin Atlantic and ANA are partners. Make sense?

In this article, we will focus on transferring points to airline and hotel partners. We will also cover the rules for each program, as each major flexible point program treats combining and transferring points from your account differently.

Each program will be broken up into 2 parts: combining points and transferring points.

American Express Membership Rewards

Singapore Suites FRA-SIN — Transfer your Amex points to Singapore Airlines to fly Singapore Airlines Suites! Image Credit: Alex Miller

American Express Membership Rewards is a popular flexible point program for 2 reasons:

It offers a useful lineup of airline partners to redeem your points with.
Amex regularly offers transfer bonuses to some of its airline partners.

Some of the best ways to receive the most value with your Amex points involve transfers to:

Virgin Atlantic Flying Club to fly ANA first class
Etihad Guest to fly American Airlines business class
Singapore Airlines KrisFlyer, to fly Singapore Airlines first class
Virgin Atlantic Flying Club, to fly Virgin Atlantic Upper Class

Amex does a nice job offering its customers plenty of opportunities to earn points when spending money on its Membership Rewards cards. What you may not know is that you can also transfer Amex points across accounts!

Amex Transfer Rules

The Membership Rewards program has a few rules that are important to know before transferring or combining your points. As you’ll see in this article, all of the flexible point programs have different rules.

If you are combining Amex points, you can combine points across your accounts. You are not allowed to pool or combine points earned by another person with Membership Rewards points.

For example, if you earn Amex points with The Platinum Card® from American Express and The Business Platinum Card® from American Express, you can combine your points into 1 account.

If you are transferring Amex points, you can only transfer points to a frequent traveler account in your name. You are not allowed to transfer Membership Rewards points to another person’s frequent traveler account, except for authorized users (personal cards) or employees (business cards) that have been listed on the account for at least 90 days.

For example, you can transfer Amex points to your Etihad account, but you can’t transfer points to your spouse’s Etihad account unless your spouse is an authorized user and has been for at least 90 days.

It’s also worth noting that Amex requires you to transfer a minimum number of points when transferring to its travel partners, which are outlined in the table below:

Amex Transfer Partners (Airlines)

Amex Airline Transfer Partner	Min Transfer	Transfer Ratio (Amex > Partner)	Transfer Time
Aer Lingus	1,000	1:1	Almost Instant
AeroMexico	1,000	1:1.6	2-12 days
Air Canada	1,000	1:1	Almost Instant
ANA	1,000	1:1	3 days
Avianca LifeMiles	1,000	1:1	Almost instant
British Airways	1,000	1:1	Almost Instant
Cathay Pacific	1,000	1:1	Up to 1 Week
Delta Air Lines	1,000	1:1	Almost Instant
Emirates	1,000	1:1	Almost Instant
Etihad Airways	1,000	1:1	Almost Instant
Flying Blue Air France/KLM	1,000	1:1	Almost Instant
Hawaiian	1,000	1:1	Almost Instant
Iberia	1,000	1:1	1-3 days
JetBlue	250	1:0.8	Almost Instant
Qantas	500	1:1	Almost Instant
Singapore Airlines	1,000	1:1	1-2 days
Virgin Atlantic	1,000	1:1	1-2 days

Amex Transfer Partners (Hotels)

Amex Hotel Transfer Partner	Min Transfer	Transfer Ratio (Amex > Partner)	Transfer Time
Choice Privileges	1,000	1:1	Almost Instant
Hilton Honors	1,000	1:2	Almost Instant
Marriott Bonvoy	1,000	1:1	Almost Instant

American Express has a nice lineup of both personal and business credit cards that earn Membership Rewards points.

Recommended Amex Cards (Personal)

If you’re a business owner, several Amex business cards will earn Membership Rewards points.

Hot Tip: To keep your points, you need to make sure at least 1 Membership Rewards account is open and in good standing. If you cancel or if your primary Membership Rewards account is canceled, you will lose your Amex points; they can’t be reinstated.

Bilt Rewards

AA Flagship Business GIG-MIA — AA Flagship Business can be booked using Bilt points transferred to American Airlines. Image Credit: Chris Hassan

Bilt Rewards has one of the most unique transfer partner lists out there; it has not 1, but 2 U.S. frequent flyer programs (United MileagePlus and American Airlines AAdvantage), plus the most valuable hotel points out there (World of Hyatt).

Some of the most attractive ways to use Bilt Rewards points:

American Airlines AAdvantage to fly Qatar Airways Qsuites
Air Canada Aeroplan to fly Etihad first class
United MileagePlus to fly United Polaris class

However, there aren’t as many ways to earn Bilt points through credit cards as there are with Amex or Capital One.

Bilt Transfer Rules

Bilt points transfers are required to be done in 2,000-point increments with a minimum of 2,000 points per transfer.

At the moment, Bilt does not allow you to combine points with different accounts, so your Bilt points can only be transferred to loyalty program accounts that are in your name.

Bilt Transfer Partners (Airlines and Hotels)

Bilt Transfer Partner	Minimum Point Transfer	Transfer Ratio	Transfer Time
Airline Partners
Aer Lingus AerClub (starting September 2022)	2,000	1:1	TBD
Air Canada Aeroplan	2,000	1:1	Almost Instantly
Air France-KLM Flying Blue	2,000	1:1	Almost Instantly
American Airlines AAdvantage	2,000	1:1	Up to 24 hours
British Airways Executive Club	2,000	1:1	Almost Instantly
Cathay Pacific Asia Miles	2,000	1:1	Almost Instantly
Emirates Skywards	2,000	1:1	Almost Instantly
Hawaiian Airlines HawaiianMiles	2,000	1:1	Almost Instantly
Iberia Plus (starting September 2022)	2,000	1:1	TBD
Turkish Airlines Miles & Smiles	2,000	1:1	Almost Instantly
United MileagePlus	2,000	1:1	Almost Instantly
Virgin Atlantic Flying Club	2,000	1:1	Almost Instantly
Hotel Partners
IHG One Rewards	2,000	1:1	Almost Instantly
World of Hyatt	2,000	1:1	Almost Instantly

Recommended Bilt Card

Hot Tip: There are separate rules for pooling points and miles from hotel and airline accounts.

Brex Rewards

Swiss Air business class middle seats — Swiss Air business class is bookable using Brex Rewards points. Image Credit: Swiss Air

Brex Rewards has several useful transfer partners, especially if your appetite is luxury award travel. All of its transfer partners maintain a 1:1 ratio, and most transfers are instant (though some take up to 1 business day).

You can use Brex points in a handful of great ways:

Avianca LifeMiles to fly Swiss Air business class
Emirates Skywards to fly Emirates first class
Cathay Pacific Asia Miles to fly British Airways business class

Brex Transfer Rules

Currently, you must transfer at least 500 points in a single transaction; but the good news with Brex transfers is that there are no minimum transfer increments — you can transfer exact numbers of points, like 19,248 instead of 19,000 points.

You can’t transfer Brex points to other Brex accounts; however, you can transfer points to frequent flyer programs under your employees’ names, in addition to programs under your own name.

Brex Transfer Partners (Airlines)

Brex Airline Transfer Partner	Minimum Points Transfer	Transfer Ratio (Brex > Partner)	Transfer Time
AeroMexico	1,670	1,670:1,000	Up to 1 business day
Avianca LifeMiles	1,670	1,670:1,000	Up to 1 business day
Cathay Pacific	1,670	1,670:1,000	Up to 1 business day
Emirates	1,670	1,670:1,000	Up to 1 business day
Flying Blue Air France-KLM	1,670	1,670:1,000	Up to 1 business day
Qantas	1,670	1,670:1,000	Up to 1 business day
Singapore Airlines	1,670	1,670:1,000	Up to 1 business day

Recommended Brex Cards

Brex offers a variety of corporate charge card products that enable you to earn Brex Rewards points.

Capital One Miles

Lufthansa First Class — You can use your Capital One Miles to fly Lufthansa first class. Image Credit: Cherag Dubash

While the Capital One Miles program is not nearly as popular as many of the other programs on this list, it can still provide exceptional value to those who use Capital One cards.

Capital One offers plenty of excellent ways to get top value out of its miles, including transfers to:

Avianca LifeMiles to fly Lufthansa first class
Air Canada Aeroplan to fly Etihad business class
Etihad Guest to fly American Airlines business class

Capital One Transfer Rules

Luckily for Capital One cardholders, Capital One does not provide any limits to who you can or cannot transfer miles to. So whether it’s members of your household or friends and family that live elsewhere, you can all still pool your Capital One Miles together. Better yet, there are no caps on the number of miles you can transfer either.

To transfer your Capital One miles to someone else’s Capital One credit card account, just call the number on the back of your card to make this happen.

Similarly, if you have multiple Capital One credit cards that earn Capital One miles, like the Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business, you can transfer the miles earned from either card to the other to pool together enough points for a redemption.

When you’re ready to redeem, Capital One has a great list of transfer partners, most of which you can transfer your Capital One miles to at a 2:1, 2:1.5, or 1:1 rate.

Capital One Transfer Partners

Capital One Transfer Partner	Minimum Transfer	Transfer Ratio (Capital One > Airline/Hotel)	Transfer Time
ALL - Accor Live Limitless	1,000	2:1	Up to 36 hours
Aeromexico Club Premier	1,000	1:1	Almost Instant
Air Canada Aeroplan	1,000	1:1	Almost Instant
Avianca LifeMiles	1,000	1:1	Almost Instant
British Airways Avios	1,000	1:1	Almost Instant
Cathay Pacific Asia Miles	1,000	1:1	Up to 36 hours
Choice Privileges	1,000	1:1	Up to 24 hours
Emirates Skywards	1,000	1:1	Almost Instant
Etihad Guest	1,000	1:1	Up to 36 hours
EVA Infinity MileageLands	1,000	2:1.5	Up to 36 hours
Finnair Plus	1,000	1:1	Almost Instant
Flying Blue AIR FRANCE KLM	1,000	1:1	Almost Instant
Qantas Frequent Flyer	1,000	1:1	Up to 36 hours
Singapore Airlines KrisFlyer	1,000	1:1	Up to 36 hours
TAP Air Portugal Miles&Go	1,000	1:1	Almost Instant
Turkish Airlines Miles&Smiles	1,000	1:1	Up to 24 hours
Virgin Red	1,000	1:1	Unknown
Wyndham Rewards	1,000	1:1	Instant

Fortunately, Capital One offers plenty of great credit cards to help you rack up Capital One miles.

Recommended Capital One Cards (Personal)

If you’re a business owner, consider our guide to the best Capital One business credit cards for miles and cash-back.

Bottom Line: Capital One isn’t nearly as restrictive as many of the other credit issuers when it comes to transferring your miles between other Capital One credit cardholders.

Chase Ultimate Rewards

Virgin Atlantic Airbus A350 Upper Class Cabin from Front — Transfer your Ultimate Rewards points to Virgin Atlantic to fly in the Upper Class cabin. Image Credit: Greg Stone

Chase Ultimate Rewards is another popular flexible point program with a respectable lineup of travel partners that can be leveraged for value.

Chase offers several great ways to maximize its points, including transfers to:

British Airways Executive Club and Iberia Plus to fly American Airlines
Air France-KLM Flying Blue to fly Delta
Singapore Airlines KrisFlyer and United Airlines MileagePlus to fly Lufthansa
World of Hyatt for high-value hotel stays

Chase continues to innovate and offer customers an array of personal and business credit cards. Whatever your spending habits are, the best Chase credit cards allow you to earn points that can access many high-value redemptions.

Chase Transfer Rules

Before you move your Chase Ultimate Rewards points, the program has a few rules that are important to cover.

If you are combining Chase points, you can combine points with another Chase Ultimate Rewards account that belongs to you, your spouse/domestic partner, or a joint business owner.

If you are transferring Chase points to a frequent traveler account, you can only transfer points to an account that belongs to you or your spouse/domestic partner, provided the spouse or domestic partner is an authorized user living at the same address.

Hot Tip: Chase Ultimate Rewards cardholders can only make transfers to 1 authorized user on their account.

For example, you can transfer your Chase points to your spouse’s Ultimate Rewards account if your spouse is an authorized user on your account and you both live at the same address.

If you are transferring Chase points from a business account to a frequent traveler account, you can transfer points to frequent traveler accounts of business owners of the company who are also authorized users on the Ultimate Rewards business card.

For example, you can transfer your Chase points to your business partner’s United Airlines account if your business partner is an authorized user on your Ultimate Rewards business account.

Chase has the same minimum point transfer amounts for all of its transfer partners, which are shown in the tables below:

Chase Transfer Partners (Airline)

Chase Airline Transfer Partner	Min Transfer	Transfer Ratio (Chase > Airline)	Transfer Time
Aer Lingus AerClub	1,000	1:1	Almost Instant
Air Canada Aeroplan	1,000	1:1	Almost Instant
Air France-KLM Flying Blue	1,000	1:1	1 hour
British Airways Executive Club	1,000	1:1	Almost Instant
Emirates Skywards	1,000	1:1	Almost instant
Iberia Plus	1,000	1:1	Almost Instant
JetBlue	1,000	1:1	Almost Instant
Singapore Airlines KrisFlyer	1,000	1:1	1-2 days
Southwest Airlines Rapid Rewards	1,000	1:1	Almost Instant
United Airlines MileagePlus	1,000	1:1	Almost Instant
Virgin Atlantic Flying Club	1,000	1:1	Almost Instant

Chase Transfer Partners (Hotel)

Chase Hotel Transfer Partner	Min Transfer	Transfer Ratio	Transfer Time
IHG One Rewards	1,000	1:1	1 day
Marriott Bonvoy	1,000	1:1	2 days
World of Hyatt	1,000	1:1	Almost Instant

Chase makes it easy to earn plenty of Ultimate Rewards points from its array of personal and business credit cards.

Recommended Chase Cards (Personal)

Business owner? See our list of the best Chase business credit cards.

Bottom Line: Chase is less restrictive than Amex when combining points across Ultimate Rewards accounts, but still makes it challenging to transfer Chase points to another person’s frequent flyer account.

Citi ThankYou Rewards

Korean Air business class suites — Flying Korean Air business class is easy with Citi ThankYou Points. Image Credit: Korean Air

Citi’s flexible point program, ThankYou Rewards, does not receive as much attention as Amex and Chase. But that doesn’t mean the program can’t provide you and your family serious value!

A few of the best ways to use ThankYou Points include transfers to:

Cathay Pacific Asia Miles to fly American Airlines
Air France-KLM Flying Blue to fly Korean Air first class
Avianca LifeMiles to fly Lufthansa

Citi Transfer Rules

When you decide to transfer your ThankYou Points, there are a few important rules to keep in mind.

If you are combining your ThankYou Points, Citi offers the most generous policy of the flexible point programs. The ThankYou program allows you to combine your points with any other Citi ThankYou member.

After the points are transferred, the new points holder will have 90 days before the points expire. You can share and receive up to 100,000 ThankYou Points in a calendar year.

For example, let’s say you and a friend want to take a trip together. You can transfer your points directly to your friend’s ThankYou Rewards account, who can then use those points to book a flight.

The ThankYou program does not allow you to transfer ThankYou Points to another person’s frequent airline traveler account.

Citi, like Chase, has the same minimum point transfer amounts for all of its transfer partners, which are shown in the table below:

Citi Transfer Partners

Citi Transfer Partner	Min Transfer	Transfer Ratio	Transfer Time
Aeromexico Club Premier	1,000	1:1	Almost Instantly
Air France / KLM Flying Blue	1,000	1:1	Almost Instantly
Avianca Airlines Lifemiles	1,000	1:1	Almost Instantly
Cathay Pacific	1,000	1:1	Almost Instantly
Choice Privileges	1,000	1:2	Almost Instantly
Emirates Skywards	1,000	1:1	Almost Instantly
Etihad Airways	1,000	1:1	Almost Instantly
EVA Air	1,000	1:1	2 Days
JetBlue Airways	1,000	1:1	Almost Instantly
Qantas Airways	1,000	1:1	Almost Instantly
Qatar Airways	1,000	1:1	2 Days
Singapore Airlines	1,000	1:1	2 Days
Thai Airways	1,000	1:1	4 Days
Turkish Airlines	1,000	1:1	Almost Instantly
Virgin Atlantic	1,000	1:1	Almost Instantly
Wyndham Rewards	1,000	1:1	Within 24 Hours

While Citi doesn’t have as deep of a bench of credit cards as Amex and Chase, it does regularly offer high sign-up bonuses on its ThankYou Rewards-earning credit cards.

Recommended Citi Cards (Personal)

For business owners interested in cash-back and rewards, check out our guide to the best Citi business credit cards.

Bottom Line: The Citi ThankYou Rewards program is ideal if you are looking to transfer points to anyone, including your spouse, a family member, or a friend. For more information, check out our FAQs about Citi ThankYou Points.

Marriott Bonvoy

Japan Airlines Boeing 777 300ER First Class JAL Suite 2A — Fly JAL first class to Japan using Marriott Bonvoy points. Image Credit: Cherag Dubash

Marriott Bonvoy has the most expansive list of airline transfer partners with nearly 40.

This is great news when you also consider the fact that Marriott offers a 5,000-mile bonus for every 60,000 points you transfer to many airline partners (excluding American, Avianca, Delta, and Korean Air).

Some of the best ways to use Marriott Bonvoy points include transfers to:

Air Canada Aeroplan to fly Star Alliance partners to Europe
Alaska Airlines Mileage Plan to fly Cathay Pacific to Asia
Japan Airlines Mileage Bank to fly its own metal to Japan
Korean Air SKYPASS to fly its SkyTeam partners to Europe

Make sure you maximize your earnings, as Marriott Bonvoy offers several ways to earn points from its credit cards to stays at its portfolio of hotels across the world.

Marriott Bonvoy Transfer Rules

When you decide to move your Marriott Bonvoy points, the rules are straightforward.

If you are combining Marriott Bonvoy points between accounts, you can transfer up to 100,000 points in a calendar year to another Marriott member whose account has been open for at least 60 days. This is valid whether you are sending or receiving the points.

Separately, a new Marriott member may receive points after 30 days if the member has had qualifying activity on his or her account. The catch with transferring points is that you must contact Member Support to initiate the transfer.

For example, let’s say you and your spouse want to book flights for a trip, but your spouse doesn’t have enough points. You can combine the points in your account with the points in your spouse’s account. From there, you can transfer the points to the program of your choice to book your flights.

You are not allowed to transfer Marriott Bonvoy points to a frequent flyer account that is not your own. Instead, transfer your Marriott Bonvoy points to another Marriott Bonvoy member’s account; then that member can book a flight with the points in their account.

Marriott Bonvoy sets a minimum of 3,000 and a maximum of 240,000 points that can be transferred per day.

Marriott Bonvoy Transfer Partner	Minimum Points Transfer	Transfer Ratio (Marriott Bonvoy > Partner)	Bonus Airline Miles for Every 60K Marriott Bonvoy Points Transferred	Transfer Time
Aegean Airlines Miles+Bonus	3,000	3:1	5,000	3 days
Aer Lingus Aeroclub	3,000	3:1	5,000	unknown
Aeroflot Bonus	3,000	3:1	5,000	20 days
AeroMexico Club Premier	3,000	3:1	5,000	4 days
Air Canada Aeroplan	3,000	3:1	5,000	5 days
Air France/KLM Flying Blue	3,000	3:1	5,000	3 day
Air New Zealand Airpoints	3,000	200:1	25	1 day
Alaska Airlines Mileage Plan	3,000	3:1	5,000	4 days
Alitalia MilleMiglia	3,000	3:1	5,000	7 days
American Airlines AAdvantage	3,000	3:1	N/A	2 days
ANA Mileage Club	3,000	3:1	5,000	4 days
Asiana Airlines Asiana Club	3,000	3:1	5,000	4 days
Avianca Airlines LifeMiles	3,000	3:1	N/A	1 day
British Airways Executive Club	3,000	3:1	5,000	3 days
Cathay Pacific Asia Miles	3,000	3:1	5,000	5 days
Copa Airlines ConnectMiles	3,000	3:1	5,000	3 days
Delta Air Lines SkyMiles	3,000	3:1	N/A	1 day
Emirates Skywards	3,000	3:1	5,000	3 days
Etihad Guest	3,000	3:1	5,000	3 days
FRONTIER Miles	3,000	3:1	5,000	unknown
Hainan Airlines Fortune Wings Club	3,000	3:1	5,000	8 days
Hawaiian Airlines HawaiianMiles	3,000	3:1	5,000	1 day
Iberia Plus	3,000	3:1	5,000	1 day
InterMiles	3,000	3:1	5,000	unknown
Japan Airlines JAL Mileage Bank	3,000	3:1	5,000	2 days
Korean Air SKYPASS	3,000	3:1	N/A	2 days
LATAM Pass	3,000	3:1	5,000	2 days
Multiplus Fidelidade	3,000	3:1	5,000	unknown
Qantas Frequent Flyer	3,000	3:1	5,000	2 days
Qatar Airways Privilege Club	3,000	3:1	5,000	3 days
Saudi Arabian Airlines Alfursan	3,000	3:1	5,000	unknown
Singapore Airlines KrisFlyer	3,000	3:1	5,000	2 days
Southwest Airlines Rapid Rewards	3,000	3:1	5,000	1 day
TAP Air Portugal Miles&Go	3,000	3:1	5,000	unknown
Thai Airways Royal Orchid Plus	3,000	3:1	5,000	4 days
Turkish Airlines Miles&Smiles	3,000	3:1	5,000	unknown
United MileagePlus	3,000	3:1.1	5,500	3 days
Virgin Atlantic Flying Club	3,000	3:1	5,000	2 days
Virgin Australia Velocity Frequent Flyer	3,000	3:1	5,000	1 day
Vueling Club	3,000	3:1	5,000	unknown

There are currently several Marriott Bonvoy personal and business credit cards, typically with generous sign-up bonuses too.

Recommended Marriott Bonvoy Cards

The Marriott Bonvoy Business® American Express® Card is also available to business owners.

Hot Tip: Did you know you can also transfer World of Hyatt points to airline partners? Most transfers are at a 5:2 ratio and transfers can take 6 to 8 weeks, so it’s not a great way to use your points.

Final Thoughts

With the constant shuffling of airline partners, award redemption rates, and credit card restrictions, a valuable strategy is to earn points in a flexible points program instead of a specific airline frequent flyer program. That way when 1 partner leaves or the inevitable award chart devaluation occurs, you will have hedged your bets by not being stuck holding only 1 currency.

Whether you are earning points by yourself, with a spouse/significant other, or you have the entire family involved, it’s important to know how to move your points around to help with booking your next redemption.

The information regarding the Capital One Venture X Rewards Credit Card, Capital One Venture Rewards card, Capital One Spark Miles for Business card, Capital One VentureOne Rewards Credit Card, Capital One Spark Miles for Business, and Bilt World Elite Mastercard® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.

Featured Image Credit: Alex Miller

Frequently asked questions

Can I combine my Amex points with another person who has Amex points?

You can combine points across your Membership Rewards accounts, but you are not allowed to pool or combine Membership Rewards points earned by another person.

Can I transfer my Amex points to another person's frequent traveler account?

You can only transfer points to a frequent traveler account in your name or a frequent traveler account in an authorized user’s or employee’s name (as long as they’ve been on your account for at least 90 days).

Can I combine my Chase points with another person who has Chase points?

You can combine points with another Chase Ultimate Rewards account that belongs to you, your spouse or domestic partner, or your joint business owner.

Can I transfer my Chase points to another person's frequent traveler account?

You can only transfer points to an account that belongs to you or your spouse/domestic partner, provided the spouse or domestic partner is an authorized user on the Ultimate Rewards account living at the same address. You can only make transfers to 1 authorized user on your account.

If you are transferring Chase points from a business account to a frequent traveler account, you can transfer points to frequent traveler accounts of business owners of the company who are also authorized users on the business card account.

Can I combine my ThankYou Points with another person who has ThankYou Points?

You can combine your points with any other Citi ThankYou member. After the points are transferred, the new points holder will have 90 days before the points expire. You can share and receive up to 100,000 ThankYou Points in a calendar year.

Can I transfer my ThankYou Points to another person's frequent traveler account?

You are not allowed to transfer your Citi ThankYou Rewards points to a frequent traveler account that is not in your name.

Can I combine my Marriott Bonvoy points with another person who has Marriott Bonvoy points?

You can transfer up to 100,000 points in a calendar year to another Marriott Bonvoy member whose account has been open at least 60 days. This is valid whether you are sending or receiving the points.

Separately, a new member may receive points after 30 days if the member has had qualifying activity in their account.

You must contact Member Support to transfer your points.

Can I transfer my Marriott Bonvoy points to another person's frequent traveler account?

You can are not allowed to transfer Marriott Bonvoy points to a frequent traveler account that is not in your name. Instead, transfer your Marriott Bonvoy points to the other Marriott Bonvoy member’s account who can then transfer those points to their frequent traveler account.

Can I combine my Capital One miles with another person?

Yes, Capital One allows you to transfer points to any other person who holds a Capital One miles-earning card, with no limits on the number of points you can transfer.

Can I transfer my Capital One miles to another person's frequent traveler account?

Yes, Capital One does not place any limits on who you can transfer your Capital One miles to.

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About Michael McHugh

Born and raised in Mobile, Alabama, Michael took his first international trip in 2013 with friends to the Bahamas. Although he didn't travel much in his younger years, on that trip, he caught the travel bug and has been hooked ever since. Michael first caught wind of the points and miles game in 2014 while at a bar in Washington, DC where the conversation amongst friends was quickly derailed because of an alert on a friend's phone about a mistake fare. That's where the love affair with points and miles began.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

10 comments

ktc February 18, 2019

For Thankyou points, can I transfer to my wife’s account, then have her transfer those points to airlines instead of booking flights using points?

Reply
- Alex Miller February 20, 2019
  
  Hey,
  
  Yes, you can transfer your Citi ThankYou points to your wife’s account and then she can transfer those points to any of Citi’s transfer partners.
  
  Reply
Ramzi March 4, 2019

It looks like Chase changed their policy for transferring UR points on business accounts. I called in to transfer points to Southwest to my wife’s southwest account. She has an employee card and has had one for years. They informed me they need tax documents that she’s a ‘partial owner’ and that this new policy took effect on Jan 2019.

Reply
- Michael McHugh March 7, 2019
  
  Hi Ramzi
  
  Thanks for letting us know. We appreciate it.
  
  Reply
AmodelT April 30, 2019

Does anyone have any info on whether chase UR points can be transferred to a *spouse’s* frequent flier account? We’re in the situation where only one of us has a chase card capable of transfer to airlines (so a transfer from Chase UR to spouse’s Chase UR won’t help), and the other has almost enough points in their United bank to book flights.

Reply
- Katie Seemann May 1, 2019
  
  Hi AmodelT,
  
  Unfortunately, you can’t transfer Chase Ultimate Rewards points to a spouse’s frequent flier account. If you have enough Chase points, you could book the tickets separately — transfer your Chase points to your United account to book one ticket and then book the other ticket from the United account that already has points in it. Good Luck!
  
  Reply
fred June 30, 2019

What is a strategic way to combine points from both AmEx and Chase cards?

Reply
- Jarrod West July 1, 2019
  
  Hi Fred,
  
  It is not possible to combine American Express Membership Reward points and Chase Ultimate Reward points together. However, you could transfer points from both programs to an airline partner that they both share, like British Airways or Singapore Airlines for example.
  
  Reply
Harry M Lothridge June 24, 2020

You are not allowed to transfer Membership Rewards points to another person’s frequent traveler account.

Your comment above is I think for personal cards. Seems the business gold AMEX allows transfers to any authorized user account. Of course the business (account) owner has to grant access. Or this is my understanding…correct?

Reply
- Jarrod West June 25, 2020
  
  Hi Harry,
  
  Yes, you’re correct. If someone is an authorized user on your account then you can transfer points to their frequent flier account. Although this applies to both business and personal cards.
  
  Thanks for reading!
  
  Reply