The short answer: one person, same address
Chase allows you to move Ultimate Rewards points to another person, but the definition of "another person" is narrow. Per Chase's own guidance, you can combine points with one member of your household who shares your address. That person can be a spouse, a partner, a roommate, or any family member you live with. It cannot be a friend across town or a parent in another state.
Two other facts matter just as much. Combining is free, with no minimums. And it is permanent. Chase is explicit that once you transfer points, the action cannot be undone.
So: yes, you can transfer Chase points to another person. But only one, only at your address, and only once.
Who counts as a household member
Chase's test is the address, not the relationship. Anyone who lives with you and shares your address can be the one account you combine with. Chase names spouses, partners, roommates, and family members as examples, and draws the line at "friends or family members who live at a different address." (A roommate qualifies. A sibling two towns over does not. The program is not sentimental about it.)
You also only get one. If you have already designated a household member and later want to combine with a different one, expect friction. Choose the person who will actually redeem the points.
How combining works
The mechanics are simple. Log in, open Ultimate Rewards, choose the card the points are coming from, pick "Combine Points," and enter the recipient's card details. Chase then moves the points into the other account, where they behave like points that person earned. Chase notes that no points are lost in the process.
Because it is permanent, double-check the recipient before you confirm. There is no undo button, no cooling-off period, and no customer-service reversal to fall back on.
Between your own cards
The same tool moves points between cards you hold yourself. People use it to pool points from a no-fee card into a premium card whose redemption options are better. That is not a transfer to another person, but it is the same screen and the same one-way rule.
The partner-transfer wrinkle for authorized users
There is a second door, and it confuses people. Ultimate Rewards points on eligible cards can be transferred to airline and hotel partner programs. Chase allows those transfers into a partner account held by you or by one additional household member who is listed on your account as an authorized user.
So if your spouse is an authorized user, you can send points straight into their airline account for a booking without first combining the Chase balances. That is a transfer of value to another person in every practical sense. (Useful when the airline account is theirs and the Chase card is yours.) But it still requires the household plus authorized-user combination. A friend's frequent flyer number will not work.
You can always book for someone else
The most common reason people ask about transferring is that they want to pay for someone else's trip. You do not need to move points for that. Redeem your own points through the Chase travel portal for a flight or hotel booked in the other person's name, and the points never leave your account.
That works for anyone, related or not, at any address. It is the everyday answer for the college kid's flight home, the parents' anniversary hotel, the friend who needs a ticket. Transferring is only necessary when the other person needs to hold and control the points themselves.
What are Chase points worth?
More than most, which is why people care so much about where they end up. Independent valuations put Chase Ultimate Rewards points around 2.0 cents each, near the top of the bank currencies, and almost all of that comes from the transfer partners rather than the portal. It is also value that only shows up if the person holding the points redeems them well. Our Chase Ultimate Rewards valuation guide covers where the figure comes from and which redemptions beat it, and the cents-per-point calculator checks any specific booking. For the cash side, the Chase Ultimate Rewards calculator on our sell page gives you a figure for your exact balance.
When the rule leaves you stuck
Sometimes there is no household member with a Chase card, no trip worth booking, and a balance you would rather not leave sitting. This comes up most often when a card is being closed. Points attached to an account you are about to close need somewhere to go first, and Chase's household rule may not offer one.
Your remaining options are the ones the rule cannot restrict. Redeem the points before the account closes, whether for travel or for cash back. Or turn the balance into dollars through a broker, which for a balance nobody in the household can use is usually the best option.
A broker sale is not a Chase transfer and does not use the combine feature, so the household rule has no bearing on it. Selling points is legal in the United States (our guide Is It Legal to Sell Points? has the detail), and a legitimate broker keeps it simple: nothing moves through Chase and no household designation is spent; a specialist confirms the offer by phone and payment comes straight to you (the process, from quote to payment, is in How Points Brokers Work). iBuyPoints is one such broker. Run your balance through the Chase Ultimate Rewards calculator for a quote, and payment goes out via PayPal, typically within 1 business day.
Chase publishes the household rule in plain language on its guide to combining points in your household. Read it before you move anything, and confirm your card's program agreement, since eligibility details differ by product. One person, same address, no take-backs. That is the whole rule.