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Chase Ultimate Rewards points can easily be combined between your own cards and one member of your household. However, earlier this year, the link between my personal and business cards broke and I was no longer able to combine points online from my personal to business cards. I eventually called Chase and found that the solution would be combining my personal and business cards into a single business card login (mine had been separate). I went ahead and did that over the phone and now my business card login shows both business and personal cards. My old personal card login continues to work also. This week, Milenomics reports that you can now add your personal cards to your business login online. This could have several advantages.
The first reason you may want to have both your consumer and business cards in a single login is for easily combining your Ultimate Rewards points. Now I can log in to my business card login and easily combine my points between personal and business cards.
Another reason this may be desirable is because it is just mentally easier to see all of your cards in one login. My wife and I manage a lot of credit cards and the more places we need to log in when we do the bills, the more of a chance that something gets forgotten. Any simplification of the process is helpful.
The other reason I was happy to get the logins combined is because it makes my life one login easier when checking for new Chase Offers. Logging in to my personal account, then my business account, and then needing my wife to log in to her personal account, and then her business account just gets tedious. Two logins is much simpler than four.
In terms of disadvantage, as Milenomics points out, there was a situation a couple of years ago where some targeted card offers were only showing for people whose logins were not combined. That was such a niche situation that to my knowledge hasn’t repeated that I’m less concerned with that and more concerned with simplification.
The good news is that personal cards can now be linked to your business card login through Profile & Settings by following instructions in this Milenomics post or watching this video at Chase.
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Thanks! We had been trying to do this and this was the clue we needed – combine from the business account, not the personal one.
Does anyone else get the error “It looks like this part of our site isn’t working right now” when clicking Show My Accounts? I’ve been trying for 3 days and no luck.
Yes, until I logged into my business account to do it. Apparently you can link your personal to the business one, but can’t add the business one to personal login.
Gee I did this a long time ago + auto pay.
Time is Money and INKer for Ever.. .
Thanks ~ worked for me. Will be helpful to have one login & look @ all card info in one place.
Is AwardWallet able to track UR balances on Chase business accounts?
Yes, I have never had a problem with it. I did not check it after doing this linking to see if it picks up all the linked ones or just the specific accounts that are part of the login.
Update: I checked this morning and the one linked login does indeed find all UR balances. In my case it pulled the data for my personal login (4 UR accounts) and each of my business logins (1 UR account each).
One thing worth mentioning relates to one’s relationship with Chase. When business accounts and personal accounts are linked, certain benefits kick on the personal side if the business side is enrolled in Business Platinum Checking. Many benefits are similar to those for Chase Private Client. BUT, there’s a lower threshold to qualify for Business Platinum Checking. Hope this helps someone.
What exactly are Chase Private Client benefits? As far as I can see:
I meant fee-free ATM. 🙂
The utility of CPC benefits to one person or another will vary just as the utility of (say) credit card benefits to one person or another.
CPC waives all wire transfer fees — inbound and outbound, domestic and international. To some, this is worthless. To me, it’s worth (probably) north of $1k per year.
CPC waives foreign currency fees on foreign ATM withdrawals. To some, this is worthless. To me, it’s worth a reasonable amount.
My business necessitates branch visits. The branch I use has low personnel turnover — which is rare in today’s environment. I’m in the branch enough that they know me by name . . . and they accommodate me when I need a favor. And, I bring them doughnuts to reinforce that relationship.
CPC allows a family to household accounts. That is, the CPC relationship can extend to children’s accounts. Which means account fee waivers, no minimum balances, no ATM fees, and no foreign currency fees.
It might be worth sitting down with a banker to discuss your benefits. I hope this helps.
Do you know if my Sapphire Banking benefits on the personal side would also go away?
When business and personal are linked online, you retain the respective benefits on both sides. However, if your business side has at least $X to qualify for Business Platinum Checking, additional benefits kick in. Separately, the combination of business and personal would count towards Chase Private Client qualification. Other than the potential offers mentioned in the article, it’s all upside. When one door closes, another opens.
For whatever reason when I opened a new Ink Unlimited a year ago, it would not let me activate it with my Ink Cash login. So I had to have 2 different business accounts plus the personal, just for me. This tip lets me consolidate 3 logins into 1, so definitely makes sense for me.
How,do you see your total points after doing this?
Reason I never did is because you couln’t nickname accts on the Biz dashboard, only on the personal. I have 3 ink cards, & it is already confusing having to identify each card solely by their acct number w/o adding all our personal accts!
I have been able to name the personal cards in the business account, but I can’t name the Biz cards. I can actually type in a name for the Biz ones but they don’t seem to stick. But personal cards do work for me now.
Thx JoeH, good to know! Most of my accts are personal so that actually might work out ok now if I can at least label those. Chase obvs has the technology to add nicknames, just dumb is not an option on the biz accts
P2 is still trying to get her accounts working. She could not transfer business account (Ink) points to her Sapphire personal. Two separate online accounts and sign-in. In an attempt by Chase now the business account has disappeared and Chase does not know how to fix. Last call a supervisor filed an internal complaint whatever that means intra-Chase world. Her words were something like to this supervisor, you would think as big as Chase is you guys could fix this!