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Nicole is a 3rd grade teacher, mom, wife, and travel enthusiast ready to show you how to travel for nearly free using points and miles!
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Transfer Partners Guide
Complete guide to Chase, American Express, Capital One and Citi transfer partners and how to use them.
Pooling or combining your points is a great way to maximize your rewards earnings from multiple credit cards that offer the same points and miles currency.
Doing so can accumulate more points and miles, which can be used for loyalty rewards or reservations. In this blog post, we’ll talk about some popular loyalty programs that allow you to pool your rewards for free.
Chase Ultimate Rewards Chase Ultimate Rewards is a popular program that allows cardholders to transfer points to one member of their household. The first time, you’ll need to call customer service to link your accounts. Points can also be transferred to a card’s authorized user for a family member’s airline or hotel loyalty account.
Capital One Miles Capital One Miles is another program that allows you to transfer your rewards to a family member or even a friend for free, as long as they have a Capital One miles-earning account.
Citi Thankyou Points Citi Thankyou Points is another program that allows you to transfer points with other ThankYou members.
Marriott Marriott is a popular hotel chain that allows you to transfer points from one Bonvoy account to another using the online point transfer tool and the exact name on the accounts. Points can be transferred in increments of 1,000, up to 100,000 points in a calendar year, but you can receive up to 500,000 points per year if you pool with multiple people for a trip.
Hilton Honors Hilton Honors also allows you to transfer points from one Hilton Honors account to 11 others using the online point transfer tool and the exact name on the accounts. Points can be transferred in increments of 1,000, up to 500,000 points in a calendar year, but you can receive up to 2,000,000 points per year if you pool with multiple people for a trip.
United United’s MileagePlus program allows MileagePlus members to merge miles to create a shared reservoir of miles for greater benefits. The pool leader can invite up to five members, and the pool leader manages the miles pool and authorizes pool members to redeem miles. Members can only participate in one miles pool and lose access to their pool miles if they leave the pool.
Hawaiian Hawaiian Airlines allows free transfers for cardholders to each other’s accounts on its website up to 10 times yearly. Only one account must be attached to a cobranded Hawaiian card.
World of Hyatt World of Hyatt allows you to combine points with another member through transfers by filling out and emailing a form with your name, account number, address, and email. Transfers are limited to once every 30 days.
Aeroplan Aeroplan allows you to share your Aeroplan points with up to seven of your family members. To set up family sharing, log in to your Aeroplan dashboard and become the Family Lead. You can then invite other members and approve redemptions. Eligible family members include spouses, children, siblings, in-laws, parents, and grandparents. Their points can be added to the group’s balance upon accepting the invitation.
Jet Blue True Blue JetBlue’s TrueBlue program allows up to seven people to combine their points for free by creating a points pool. A Pool Leader opens a Pooling account, invites members, and redeems points. Members can only be part of one TrueBlue pool at a time. Upon joining, 100% of members’ points are added directly to the pool.
In conclusion, pooling your points can help you earn more rewards from multiple credit cards that offer the same points and miles currency.
The loyalty programs mentioned above are free of charge and allow you to share your rewards with family and friends. So, if you have multiple credit cards that offer the same rewards currency, consider pooling your points to maximize your rewards and travel benefits.
Here are some of my favorite ways to earn these points.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
I was researching index funds and happened upon the points and miles community through creators who also post about budgets, financial independence, and investing.
Points and miles allowed those people to travel and work toward financial independence simultaneously.
Thank goodness I got started when I did. The past almost two years of travel have been something we will never forget.
Earning points and miles through credit cards is only a good choice if you have the financial discipline to use them, like cash/debit cards.
Since we started traveling with points and miles, we have had more money going into our investment and savings accounts than ever.