You cannot transfer Chase points directly to another person through Chase's standard account tools

Chase does not allow you to move points from your account to someone else's account. The points stay tied to the cardholder whose name is on the account. However, there are three concrete ways to use your points for someone else: you can book travel or redeem rewards in their name if you have their details, you can add an authorized user to your account and let them use the points, or you can transfer points to a travel partner account if both of you are enrolled in the same airline or hotel loyalty program.

The method that works depends on what you want to do with the points and whether the other person has their own loyalty accounts set up. Understanding each option helps you choose the one that actually solves your situation.

Key Takeaways

  • Chase points cannot move from one Chase account to another, but you can book travel or redeem rewards for someone else using their name and booking details.
  • Adding an authorized user to your card lets them use your points through the Chase app or website, though they cannot transfer points elsewhere.
  • If both you and the other person have accounts with the same airline or hotel program, you can transfer points through that program's website instead of through Chase.
  • Transferring points to an airline or hotel partner typically costs 1 point per 1 cent of value or more, and the receiving account must be open and in good standing.
  • Some Chase cards offer transfer partners while others do not; check your card's benefits guide or log into your Chase account to see your options.

Booking travel or redeeming rewards in someone else's name

The simplest way to use your points for another person is to book a flight, hotel, or other reward yourself and put their name on the reservation. You log into your Chase account, find the travel or rewards portal, and complete the booking with the other person's name, email, and any other details the merchant requires. The points come out of your account, and the reservation goes to them.

This works for most travel bookings through Chase's travel portal, car rentals, hotel stays, and some retail redemptions. You will need the other person's full name as it appears on their ID, their email address, and sometimes their phone number. The reservation confirmation goes to their email, and they can use it to check in or pick up the rental.

The limitation is that you must complete the entire booking yourself. You cannot hand off your points balance and let them choose what to book. If you want them to have control over how the points are spent, adding them as an authorized user is a better option.

Adding an authorized user to your Chase card account

An authorized user is someone you add to your account who can use the card and access your points balance through the Chase app and website. They can book travel, redeem rewards, or make purchases with the card itself. The points still belong to you and appear in your account, but the authorized user can spend them.

To add an authorized user, log into your Chase account online or through the mobile app, go to the card settings, and select the option to add an authorized user. You will enter their name, date of birth, and address. Chase will typically approve the request within a few minutes. The authorized user can then log into Chase using their own login credentials and see your points balance.

The authorized user cannot transfer points to another person or another card, and they cannot remove themselves from the account — only you can do that. If you want to limit what they can spend, some Chase cards let you set purchase limits, though this does not explore to points redemptions. Once they have access, they can redeem points the same way you can.

Transferring points through airline and hotel loyalty programs

If both you and the other person have accounts with the same airline or hotel chain, you can transfer points through that program instead of through Chase. This is different from a Chase-to-Chase transfer because the points move through the loyalty program's own system.

First, check whether your Chase card offers transfers to that specific program. Log into your Chase account, go to the rewards or points section, and look for "transfer partners" or "transfer options." Common transfer partners include American Airlines, United Airlines, Southwest Airlines, Marriott Bonvoy, and Hyatt. If your card lists the program as a partner, you can initiate a transfer.

The other person must have an active account with that airline or hotel program, and their account must be in good standing — no suspended or closed accounts. You will need their loyalty program account number. When you transfer through Chase, the points move to their loyalty account within one to three business days. The transfer is permanent and cannot be reversed, so confirm the account number before you proceed.

Most transfers cost points to complete. Chase typically charges 1 point per 1 cent of value, meaning you lose value in the transfer. Some promotions offer bonus points if you transfer a certain amount, which can offset the cost. Check the current transfer rates before you commit.

What happens if the other person does not have a loyalty account

If the person you want to give points to does not have an airline or hotel loyalty account, you have two options: you can book the travel yourself and put their name on the reservation, or you can help them open a loyalty account first and then transfer points.

Opening a loyalty account is free and takes about five minutes. They can sign up on the airline or hotel website with their email address and name. Once the account is open and they have received their account number, you can transfer points to it. This is useful if you want to give them points as a gift and let them decide how to use them later.

If they do not want to open a loyalty account, booking the travel yourself remains the only option. You cannot force points into an account that does not exist.

Checking which transfer partners your Chase card offers

Not all Chase cards have transfer partners. Some cards, like certain cash-back cards, do not allow transfers at all — you can only redeem for cash, statement credits, or merchandise. Premium cards like the Chase Sapphire Preferred and Chase Sapphire Reserve offer transfers to dozens of partners.

To find out what your card offers, log into your Chase account and navigate to the rewards section. Look for a link that says "transfer points," "transfer partners," or "redemption options." Chase will show you a list of airlines and hotels you can transfer to. If you do not see a transfer option, your card does not support transfers.

You can also check your card's benefits guide, which Chase sends with your card or makes available in your account. The guide lists all redemption options and transfer partners. If you cannot find it online, call the customer service number on the back of your card and ask what transfer partners are available.

Rules and limits on transferring points

Chase does not publish a maximum amount of points you can transfer in a single transaction, but transfers of unusually large amounts may trigger a review. If you are transferring a very large balance, contact Chase customer service first to make sure the transfer will go through without delays.

Points transferred to an airline or hotel account become part of that account and follow that program's rules. If the receiving account is closed or becomes inactive, the points may expire according to that program's policy. Most airline programs expire points after 18 to 24 months of no activity, and hotel programs have similar rules. Make sure the other person will actually use the points before you transfer them.

Transfers are final. Once points leave your Chase account and arrive in a loyalty program account, Chase cannot reverse the transfer. If you transfer to the wrong account number or the other person changes their mind, you will need to contact the airline or hotel directly to see if they can help — Chase will not undo it on their end.

Frequently Asked Questions

Can I transfer Chase points to my spouse's Chase account?

No, Chase does not allow transfers between Chase accounts. However, you can add your spouse as an authorized user on your card so they can redeem your points, or you can transfer points to an airline or hotel loyalty program account that your spouse owns separately.

What if I transfer points to the wrong loyalty account number?

Contact the airline or hotel program when ready and explain the mistake. Some programs can reverse transfers within a short window, usually 24 to 48 hours. Chase cannot reverse the transfer on their end, so you must work directly with the loyalty program. After that window closes, the points are usually permanent in the wrong account.

Do I lose points when I transfer them to an airline or hotel?

Yes, most transfers cost points. Chase typically charges 1 point per 1 cent of value, so transferring 10,000 points costs 100 points. Some promotions offer bonus points to offset this cost. Check the transfer rate before you proceed.

Can an authorized user transfer my points to someone else?

No. An authorized user can redeem your points for travel, cash, or merchandise, but they cannot transfer points to another person or another card. Only you, the primary cardholder, can initiate transfers.

How long does it take for transferred points to show up in a loyalty account?

Most transfers arrive within one to three business days. Some programs post them when ready, while others take up to a week during high-volume periods. The receiving loyalty program account must be open and in good standing for the transfer to complete.