Master List of Credit Card Rewards Points Pooling, Rules, Fees and Transfer Time

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We’ve put together this master list on how to combine or transfer each major credit card’s
rewards points between accounts. This points pooling technique can be beneficial
in a couple ways: 

  • You are trying to get enough points to reach a specific redemption. 
  • You want to cancel one credit card but don’t want to lose all the points
    in that credit card’s account. 

Knowing the rules of each credit card issuers when it comes to transferring
points between accounts is important because each bank has its own terms and
conditions on what they allow and not allow for their rewards points. 

Master List of Credit Card Rewards Points Pooling, Rules, Fees and Transfer Time
Table of Contents  [show/hide]

    American Express Membership Rewards

    American Express credit cards earn
    American Express Membership Rewards (MR) points that can transfer to
    a handful of frequent flyer miles and hotel points. Unfortunately, Amex
    makes it clear that
    those points collected in your Amex account are not transferable to any
    other person or another Amex account and vice versa.
     
    However, Amex allows you to transfer Amex points to another person’s
    frequent flyer miles or hotel points account if he or she is an authorized
    user on one of your card accounts that earn American Express Membership Rewards (MR).

    Transfer Rules & Fees:

    • You can only transfer Amex points to an authorized user’s loyalty
      program only if he or she has been an authorized user on the card for at
      least 90 days. 
    • The authorized user can be anyone. It’s worth noting that American
      Express does require social security number when it comes to adding an
      authorized user to their card. 
    • No transfer fee. However, Amex does charge a small federal exercise tax fee of 0.06 cents per 1,000 points when you transfer MR points to US frequent flyer programs such as Delta, JetBlue and Hawaiian Airlines.

    How to Transfer?

    Capital One Rewards Miles

    Capital One is one of the least restrictive rewards points program out there
    that allows their Capital One Rewards Miles be transferred to anyone
    that has a Capital One miles earning account. 

    Transfer Rules & Fees:

    • Another account must have an eligible Capital One miles earning
      account. 
    • Another account can be anybody. The person does not have to live at the
      same address or family-related. 
    • Miles can be transferred at any time. 
    • No transfer fee. 

    How to Transfer?

    To transfer Capital One Miles, you’ll need to log into your Capital One
    account online:
    • Click on Use My Miles option. 
    • Select Share Rewards and follow the prompt to transfer points to
      another user’s Capital One account. 
    You can also call the number on the back of the card and ask a customer
    agent to assist with this matter. 

    Chase Ultimate Rewards 

    When it comes to Chase Ultimate Rewards (UR) points pooling, Chase
    allows moving points in a couple ways:
    • Transferring Chase UR points to another person’s Chase UR earning
      account.
    • Transferring Chase UR points to another person’s frequent travel
      program. 

    Transferring Chase UR points to another person’s Chase UR earning account
    rule & fee:

    • You can move Chase points between eligible Chase UR earning accounts on one
      simple condition – you and the other account holder lives in the same
      household or have the same address. 
    • No transfer fee. 

    How to Transfer?

    • Log into your Chase account and go to
      Ultimate Rewards page. 
    • Click Combine Points and enter requested information of the
      account that will be receiving your points or select an eligible account
      that you have previously entered in the past. 
    • Select the number of points to transfer and follow the prompts to
      finalize your transfer. 

    Transferring Chase UR points to another person’s frequent travel program
    rule & fee:

    • You can move Chase points to another person’s frequent travel program if
      that person is an authorized user on your Chase credit card’s account. 
    • No transfer fee.

    How to Transfer?

    • Transferring Chase points to an authorized user’s frequent travel
      program is the exact same transfer process you would normally do to
      transfer Chase points to your own frequent travel program’s
      account. 
    • The amount of time for the transfer to complete is also the same as you
      were to transfer Chase points to your own frequent travel program’s
      account. 
    • See
      Complete List of Chase Ultimate Rewards Points Airline and Hotel
      Transfer Partners & Bonus

    Citi ThankYou Points

    You cannot transfer Citi ThankYou (TY) points to another person’s frequent travel program at this time. However, Citi makes it possible to transfer Citi ThankYou points between eligible Citi accounts. It’s very important to note that once the points are transferred, they will expire in 90 days. You also cannot extend the expiration date, so proceed with this carefully. 

    Transfer Rules & Fees:

    • You can transfer Citi ThankYou (TY) points to anybody that has ThankYou points earning account. 
    • Those transferred points will expire in 90 days and will not be extended. 
    • You can share or receive up to 100,000 points per calendar year. 
    • No fee.

    How to Transfer?

    • Log into your Citi account. 
    • Click on More Ways to Redeem – Points Sharing.
    • Click on Begin Sharing. Follow the prompts to finish sharing your Citi points. 
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