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How to get 5 points per $ for your Chase Sapphire account

by on Mon October 15, 2012 • 56 Comments

We love the Chase Sapphire Preferred® Card credit card. With it you can earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. And you can transfer points into some great mile programs, including United , Southwest Airlines, British Airways, Hyatt, Marriott, IHG Rewards, Virgin Atlantic, Singapore Airlines, and Korean Airlines.

But how would you like to earn a 5 point per dollar bonus on purchases in select categories each quarter?

Then get yourself a Chase Freedom card. Here’s why — Chase lets you combine the points you earn on the Freedom card with those in your Sapphire’s Ultimate Rewards account. And it carries no annual fee.

As you’ve seen on TV, the Chase Freedom earns 5x points on select categories each quarter, up to $1,500 in spending. See this year’s categories below.

Chase Freedom 5x points categories

Chase Freedom 5x points categories

So, the strategy is to use your Freedom card for purchases in the active categories for the quarter, and your Sapphire Preferred® Card for the rest.

Now, how do you link the points together?

First, login to with your Chase Freedom account. Then…under ‘Manage Ultimate Rewards’ select ‘Combine Points.’

Combine Chase Ultimate Rewards points

You’ll then be able to link your two accounts together and combine points. There is no fee for this, and you can combine any amount of points at any time, and do it back and forth if you’d like. Just remember, you’re better off moving points into your Chase Sapphire Preferred® Card’s account since it lets you transfer points 1:1 to many travel mile and point programs.

That’s it! A simple way to maximize your Chase Sapphire Preferred® Card point earning, and lock in 5x points in many categories.

So, to get started…apply for a Chase Freedom credit card to carry along side your Chase Sapphire Preferred® Card.  We recommend waiting about 2-3 months between Chase mile credit card applications.

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The following two tabs change content below.

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

Leave a comment below -- we'll reply shortly -- no need to use your real name. Or, use the email form at the top of the page for private advice.

"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

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  4. Jill Flores

    I have a MileagePlus Select card. If I sign up for a Sapphire can I transfer my milage points from my Select card and then close out my Select card?


      @Jill – You can’t transfer from United to Chase (it’s only the other way around, from Chase points to United).


      If you close your Select card your United miles will remain intact – the miles with United aren’t tied to having the credit card. So if you get a Sapphire, you can move the Sapphire points to your United account anytime, even if you close your Select card.

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  7. Mike

    If I can’t hit the $4000 minimum in three months, can I use the card to purchase gift cards to get me to the minimum?

    1. Colleen

      I’ve read below that sapphire and freedom cards can be linked/points transferred for spouses, does this apply to dependents living in the same household as well? For example my father has a sapphire and I am a registered user, can I open a freedom and transfer points?


        @Colleen – Yes, you can designate one member of the household (such as him) to transfer points back and forth.

  8. Ali

    If I have a southwest rapid rewards number and my husband gets the sapphire preferred card can he transfer those points into my Southwest Airlines reward account? Or does it need to be the same person?

  9. Nim

    I been in the hunt to look for a miles card and came across this article after searching what would be a great card. My wife has had Chase Freedom for a long time and I am debating what card I should do and is there a benefit on what I should do: Both have great credit.

    – Should I apply CSP and put her on a secondary under my account and just add me under Chase Freedom.
    – Should I apply CSP under her name and add me as the secondary (for both card)
    – Or just get another Chase Freedom (what are the biggest advantages vs. disadvantages for CF vs. CSP)

    *just trying to justify the fee of $95 after the first year for CSP
    Thank you, Im just so confused

  10. Anthony Chan

    If my wife currently have a Chase United Explorer, and i am an authorized user. I cancelled my own (separate card from my wife card, because of promotion from United) Chase United Explorer card last year. Am I eligible to apply the Chase Sapphire (because of the restriction period of 24 months)?
    How do they count the annual fee, calendar year or 12 months from enrollment date?

    Please advise.




      @Anthony – Having the United Explorer has no restriction on applying for a Sapphire and getting the bonus, so you should be good to go. The annual fee is 12 months from your account opening.

  11. Scott

    I’m a bit confused as I thought I read that Chase Sapphire Preferred miles could be transferred to Alaska Airlines. But I don’t see it now.
    Thanks for any advice.


      @Scott – No they can’t be transferred to Alaska Airlines miles. You can use them for Alaska flights a couple ways. One is to use the Chase Ultimate Rewards travel website, where you can book flights on Alaska and pay with points. Another is to transfer to British Airways Avios and book Alaska award flights using the British Airways Avios prices, as they are airline partners.

  12. vismay badhiwala

    Question about authorized user. If i get CSP and add a family member as authorize i get the points earned on that card since I’m the primary account holder??? Also can their account be set up differently so that they pay their bill separately or do i have to pay the bills for their card as well??


  13. Maruti Gollar

    Currently I got my Chase sapphire preferred card , I also do want to apply for chase ink.
    Shall I apply right away as I got my chase sapphire preferred card last week or Shall I wait.

    One more thing , I understood I can transfer my points to any travel program of chase such as SWA , United mileage plus and mariott Rewards . But my question to you is If I have united mileage plus or mariott Rewards Card can I transfer to chase sapphire or Ink card


      @Mautri – There is no specific rule on when you can apply after getting approved for a different card, so whenever your business is ready for it give it a go.

      Unfortunately you can’t transfer points *into* Ultimate Rewards of the Sapphire or Ink. You can only transfer *out* (Sapphire to Southwest / United) or *between* (Sapphire to Ink).

  14. Kristin

    I have the Chase Sapphire Preferred card. If my husband got the Chase Freedom card, could we both add the other as our additional signers (so we’d each end up with both cards)? Is this somehow doubling things up and giving us more bang for our buck? Or am I thinking about that backwards and it doesn’t matter who has which card as long as we have both somewhere? Hopefully you can untangle that question. 😉

  15. james vitale

    hi i just got my 45000 bonus points from chase sapphire i wanted to transfer the points should i transfer them to my hyatt reward account or my southwest account .witch is a better bang? i also iam trying to get a companion pass for southwest . thanks jimmy


      @jimmy – Transferring to Southwest won’t help with companion pass. But once you get companion pass, you’ll get the most bang out of transferring points there and using them to pay for flights. So best to hang tight until you know you’ll get companion pass.

  16. JD

    I’m confused! With the Chase Freedom do you get 5 pts per dollar that I can transfer to Ultimate Rewards (sapphire) ? So spend 100 and get 500 pts? Or is it 5% of the spending so $100 is only 5 points? Then it makes no sense to use the freedom card


      @JD – If you spend $100 in a 5% (5 point per dollar) category you would get 100 points X 5 = 500 points. Remember the Freedom only earns the 5 points in certain spending categories that change every 3 months. It doesn’t earn 5x points on everything.

  17. Robi

    Do you have to wait 2-3 months to apply to both chase freedom & chase sapphire preferred? Why do you recommend waiting?


      @Robi – There’s no rule or requirement to space them apart. Just advise people who are not researching this heavily to take it easy and see how their credit responds.

  18. Vivek

    I have a chase sapphire and my wife has a chase freedom card. Can she transfer her chase freedom points to my chase sapphire?

  19. Rachelle

    I want to make sure I understand this correctly. If I had a chase saphhire preferred card and earned the 40,000 points for sign on bonus (if get $4000 in purchases in first 3 months) then I could transfer those into 40,000 SWA rapid rewards points because they are transfered 1:1 ratio? I see above comments states that every point is 1.25 cents…is that because they aren’t a partnering site with chase sapphire?


      @Rachelle – Yes, 40k Sapphire points = 40k Southwest points via transfer. The 1.25 cents is when you use your points like cash to buy tickets.

  20. Evan

    Just got the chase sapphire preferred card and will apply to the freedom soon. I don’t see the ‘Manage Ultimate Rewards’ tab when i log onto ultimate Is this because I don’t have any points yet? Or because I only have one card? Just making sure I’ll still be able to transfer points from the freedom card to the sapphire preferred when I get it.



      @Evan – It’s changed a bit. When you have multiple cards there will be a ‘combine points’ selection that drops down when you hover over your point total on the top right hand corner of the page.

      1. Evan

        Awesome thanks that makes sense why I’m not seeing anything now. When I apply to the freedom I’ll def make sure to click from the link above on this page!

  21. Barney

    I’m not sure if I’m understanding this clearly. Would it be better to use the chase freedom exclusively and transfer points to the sapphire? Sapphire is 2x points on travel and dining and 1x for everything else. Freedom is 5% cashback during the quarter stuff and 1% on everything else. Can you break down the cost/points between the two cards?



      The easiest is to use the Freedom for the 5% categories and the Sapphire for everything else. The Freedom has no annual fee. The Sapphire has a $95 annual fee, but gives you the right to transfer your points into real airline miles.

      The Freedom 5% categories announced so fare for this year are:

      April – June
      Bed Bath and Beyond

      July – September
      Gas Stations

      October – December

    2. Evan

      Yes – when the categories for Freedom are not restaurants and travel, then you my as well use the sapphire card because you get 2x points there. For all 1% purchases Im guessing it doesn’t matter what card you use.

  22. Ady

    My husband has the Chase Sapphire and I’m listed as an authorized user on the account. If I were to open my own sapphire card and add him on it as an authorized user would we still qualify for the promotional points? It specifies in the offer details that “This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.” Would I be considered a current card member even if I’m only an authorized user?

  23. ip

    1. the 1:1 transfer valid how long. I am specifically interested transfer to my southwest account
    2. I have points in freedom account, freedom account 1 point equivalent to 1 point saphire?


      @ip – There is no deadline, it’s valid as long as you have a Sapphire Preferred. As for the Freedom, yes they are interchangeable at 1 point = 1 point.

  24. Tom

    Question in reference to “Chase Sapphire Preferred” card: My wife and I have United Mileage Plus accounts with 60K plus miles in each account, can we both transfer our miles into one Chase Sapphire account without any cost? If so how could they be used when booking a flight with your partner airlines using there mileage program. Next if we were to leave Chase what happens to our miles in the account, are they lost, or can they be transfer back into United or another airline mileage account, if so is there a cost with the transfer?

    1. MileCards

      @Tom – Unfortunately you can only transfer out of the Chase Sapphire account into United. You can’t transfer the other way, from United into Chase Sapphire.

      But you shouldn’t need to. Just send some of the Sapphire points to each United account so you can each book a reward ticket. Once the points are in your United account they are yours to keep.

      Booking partner flights with United is easy, just go to and the award search automatically shows partner flights in the award search results.

  25. Janna

    The bulk of my miles are on American. My family of 3 is planning a trip to Australia next year. I currently have enough miles for one round trip but need to have at least two free round trips to make this work. I already have a Citibank AAdvantage Mastercard that I’ve had for years. I’ve been approved for a Starwood Preferred Guest Business Credit Card from AmEx, on which I will transfer the points to the AA program. I’ve also applied for the CitiBusiness Aadvantage MC and had my husband apply for the Chase Ink Plus business card. A few questions:

    What else should we apply for to get AA miles?
    Can we transfer Chase miles into our AA frequent flier account? I’ve gotten confusing info on that.

    Thank you!

    1. MileCards

      @Janna – You’ll need 150,000 miles for two award tickets. The Starwood gets you 30,000 toward that. And the Citi Business should get you 50,000 if you applied for the 50,000 mile offer mentioned here

      So that’s 80,000 right there, enough for one ticket on top of whatever you already have in your AAdvantage account.

      You might want to have your husband apply for the AA personal and business cards as well to further create a balance, though in another account. That can be another 100,000 miles right there.

      The Chase Ink points can’t be transferred to AA. They can be transferred to British Airways where you can get a Qantas ticket for about 50,000 miles one way, depending on where you are departing from. Note British Airways adds fuel surcharges of about $500.

      Another alternative for the Chase Ink points is to use them to offset the cost of a cash ticket. 50,000 points is worth $625 toward airfare on any airline. And you can use it for partial payment in points, partial in cash via

      But as long as you’re flexible with days you should have decent luck finding 2 economy award seats on the Qantas flights from LAX.

  26. Steve

    Is there any way to get the Chase points over to DELTA Frequent flyer program ?
    Do any of the current recieving recipeint program allow a transfer to DELTA ?

  27. Dawn C

    If my husband has 40,000 points on his Sapphire card, can he transfer all 40,000 points to my United reward account or is he limited to the 15,000 transfer max stated on United? Do the points transfer free or at the $15 per 1,000 points stated on United?

  28. yossi

    I would like to know if I can transfer my freedom points to my friends sapphire card??? Or it’s different from sapphire that you can transfer to anyone or you can only transfer between my freedom and my sapphire? !

  29. Kathleen

    Could you tell me what is the point value if I use my chase points for an airline ticket? I want an idea of how many points needed to purchase an airline ticket to Hawaii, say on United. I would charge the difference of the price on my chase card if needed. I understad we are entitled to a 20% discount on the cost of the ticket price if purchase through the Preferred customers travel sight. BUt no dollar price is given to me to equal the points I’ve accrued so far. Are the prices higher than on Expedia or and other travel sites?
    Thanks for your help!

    1. MileCards

      @Kathleen – The prices should be similar to Expedia. Basically, every point you have is worth 1.25 cents toward the cost of the travel. So if you have 10,000 points, you have $125 toward the purchase of an airline ticket. They price the tickets in dollars for you on the UltimateRewards website when you search. Once you click through to select an itinerary, and get to the purchase page there is a small box where you can change the number of points you want to apply toward the purchase, and it will show at the bottom the remaining cost in cash you have to pay.


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