How to share your credit card rewards points with others

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You have half the points needed for a free flight and your partner has half the points needed. Wouldn’t you like to be able to combine them so you have enough points to book that free flight?

You may be surprised to learn that you can, in fact, combine your bank rewards points in most programs. However, how you share these points and who you can share them with varies depending on which bank you are with.

Let’s look at how to share your bank rewards points with others and the special rules each of the major banks have in place.

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How to share American Express Membership Rewards points

You cannot directly share your Membership Rewards Points with another person by transferring points from your account to someone else’s American Express account.

However, it is possible to transfer your points to someone else’s account with one of Amex’s airline or hotel transfer partners as long as that person is listed as an authorized user or commercial employee on one of your accounts. Once that person has been a cardholder on your account for at least 90 days, you can send your Membership Rewards points to, for example, their British Airways Executive Club or Marriott Bonvoy account.

This authorized user need not be a spouse or partner; it can be anyone, family member or not.

AMERICAN EXPRESS

Related: Your Ultimate Guide to Pooling Family Points

How to share Capital One miles

You can share your Capital One Miles with any other Capital One customer.

First, call the number on the back of your credit card. Then you will provide the name and card number of the person you are sending miles to as well as the number of miles you wish to send. (Capital One says this feature should be available online at some point in the future.)

Transferred miles do not expire.

CAPITAL ONE

How to Share Chase Ultimate Rewards Points

There are only two people with whom you can share your Hunt Ultimate Rewards points with. The first is with another person who lives with you. The second is with another of your business owners if you have a Chase Small Business Credit Card.

To share with another cardholder for the first time, call the number on the back of your card and tell the operator that you want to share points with another person. The agent will ask for the card number of your household member or other business owner, and then you can initiate a transfer. After this first transfer, this cardholder’s information should be available online in your account for subsequent transfers.

CHASE.COM

For onward transfers, log in to Chase Ultimate Rewards Portal. Near the top, click “Combine Points” and follow the prompts to choose the credit card you want to send points from and the account they will go to. After choosing the number of points to send, you can confirm the transfer.

This avenue allows Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Unlimited Credit Card to transfer these more valuable points to people who do not have these cards.

Related: How to Transfer Chase Ultimate Rewards Points Between Accounts

How to share Citi ThankYou Rewards points

You can share your ThankYou points with anyone you choose who has a ThankYou Rewards account. They don’t need to be one authorized user on your credit card or relative of any kind.

However, there are a few rules you need to know:

  • You can only share a total of 100,000 ThankYou points in a calendar year.
  • You can only receive a total of 100,000 ThankYou points in a calendar year.
  • Shared points are only valid for 90 days from date of receipt.
  • You can only share points earned through the use of your Citi credit card account. This means that you cannot share taxable points, points earned through a Citibank checking account, or points that Citi has made unavailable for redemption.
  • The Citi Rewards+® Card is not entitled to 10% points back with points sharing. (Note: the 10% discount applies to the first 100,000 points you redeem each year).

The 90 day rule deserves an explanation. Once you share points with someone, those points expire within 90 days. This means that the person you send the points to must have a plan for redeeming them, such as transferring them to an airline partner. If your recipient sends the points to a Citi transfer partner, those points will not expire in 90 days, but will be subject to the new expiration rule for your airline or hotel account, regardless of that rule.

It’s also worth mentioning that your recipient cannot return the points to you to prevent them from expiring. You also cannot share points you originally received from someone else.

Related: How and why to transfer your Citi ThankYou Rewards points to another person

Now that you know the rules for sharing points, let’s see how to share points. Many users run into an issue where they have a separate ThankYou account for each of their credit cards and apparently cannot combine their points or accounts online. If this happens, call 1-800-THANKYOU (1-800-842-6596). Once your accounts are linked to all your points in one place, follow these steps.

ISIC

From your online account, click on your points balance. (You can also head directly to thank you.com.) After logging in, click “More Ways to Redeem” at the top and choose “Point Sharing” from the drop-down menu.

ISIC

From there, you’ll fill in your points recipient information, choose the number of points to share, then agree to the terms and conditions before confirming your transfer.

On a separate note, Citi has many airline and hotel partners to transfer your own points. However, you are not permitted to transfer your ThankYou points to a loyalty account with a specific airline or hotel program owned by someone else. The name on the account sending the points and the name on the airline or hotel account receiving the points must match.

At the end of the line

Being able to share your credit card rewards points with others is beneficial. Maybe a family member is about to book an award flight, but needs a few extra points. Or maybe you don’t really use those points but your friend would like to have them for an upcoming trip.

Knowing when and how to share your points opens up a whole host of possibilities for redeem your points for maximum value.

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