Combine your Chase Ultimate Rewards points now if you have the Reserve

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Update April 2018: I wrote the post below in Aug 2017 and it has not happened yet, however, new rumors are circulating again. Bottom line: transfer your points to your main account (i.e. the Reserve) monthly “just in case.” It doesn’t take more than a couple of minutes.

If you read the post yesterday about Chase limiting you to one Sapphire product (with no notice, mind you), you may be wondering what might be next.

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It’s clear that they are trying to cut costs on the Sapphire product line and as much as I hate them saying you can’t have a Chase Sapphire Reserve if you have a Preferred and vice versa, you can see why they did it. There’s really no reason to have both and that costs them the signup bonus.

Recently there was talk that Chase was considering limiting how you can combine points from multiple accounts into your Reserve. Perhaps points from a Chase Freedom or Freedom Unlimited (maybe also the Business Preferred) would not be transferable to the Reserve where you can use at 1.5x on travel and also transfer out to airlines and hotels.   You can kind of see why, as when people earn 1.5% UR on the Freedom Unlimited or 5% on the Chase Freedom during the rotating bonus categories and transfer to their Reserve, they are getting 2.25% cash back and 7.5% cash back respectively.

So my recommendation is to combine your points now and then every time a statement closes on your non-Reserve account you should move them to the Reserve that day.

Just login to your account and at the top right where you see your balance, click Combine Pints. Enter your Reserve account # there and click Combine.  You can do the same in a Business account. 

I suggest this as my hunch is they won’t retroactively remove or limit points already in your Reserve account, but you may not have a warning on a change when and if it happens.

I also still think it’s a good idea to grab the Chase Ink Business Preferred card now and nab those 80,000 bonus points while you can.

Thoughts? Let me know here or in the private MilesTalk Facebook group