The more credit cards you carry, the more complicated your collection of rewards points can become. Some issuers allow you to combine your credit card points, making it possible to consolidate accounts, share points with others and gain access to additional redemption options. Show Choosing how to manage your points can be a big decision, and you may be limited by card issuers’ rules. Here are some factors to consider and a rundown of rules by issuer. Why combine credit card points?
Card issuers’ rules for combining pointsSome business and corporate American Express cards earn points in the form of Membership Rewards. These points are automatically pooled into one account, but their value can vary based on which cards you carry and what you opt to redeem points for. You can’t transfer points to another person or account. This feature isn’t heavily advertised, but buried in the fine print is mention of the ability to transfer rewards “between certain Capital One accounts.” According to a Capital One representative, miles earned on travel cards including the Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business can be transferred from one account to another. Also, Capital One cash rewards can be transferred to travel card accounts (but you can’t do the reverse and transfer miles to a cash rewards account). Eligible customers will find a "Move Rewards" feature on the rewards redemption page when logged into their account. As mentioned above, you can convert cash-back rewards earned on the Citi® Double Cash Card to ThankYou points, at a value of 100 points for every $1 you convert. Taking this action is nonreversible. You can share up to 100,000 ThankYou points per year with someone else who has a ThankYou account. Points you convert from your cash rewards won’t expire, but points acquired through point sharing expire 90 days from the sharing date. Chase is a point-combining powerhouse, allowing you to move points between cards that earn Chase Ultimate Rewards® points. The main benefit is taking points worth 1 cent each and moving them to a card where they’re worth more when redeemed for travel through Chase (1.25 cents each with the Chase Sapphire Preferred® Card and 1.5 cents each with the Chase Sapphire Reserve®). You can also transfer points to one other member of your household. Wells Fargo Rewards, which are earned on eligible Wells Fargo-issued cards, automatically land in one rewards account if you have multiple cards in your name. There are a number of ways to redeem Wells Fargo Rewards, typically at a value of 1 cent each. However, if you happen to carry the Wells Fargo Visa Signature® Credit Card, you can redeem rewards for plane tickets at a value of 1.5 cents each. (The Wells Fargo Visa Signature® Credit Card is closed to new applicants.) You can also transfer or gift points to another Wells Fargo Rewards account holder.
The information related to Wells Fargo Visa Signature® Credit Card, has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service. How to transfer Chase Ultimate Rewards points to another person?If you want to know how to transfer Chase points to another person, follow the same steps as indicated above: Log in to your Chase account, select “Redeem Rewards,” open the Ultimate Rewards portal and use the points menu to select “Combine Points.” Enter the other person's account number and last name, confirm that ...
Can you transfer RBC Rewards points to another person?Note that all cardholders can also transfer RBC Rewards points to a second RBC Rewards account held in their name. You can also transfer RBC Rewards points to a family member or friend if they have an RBC Rewards account.
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