Link Chase business and personal accounts online

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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.

a screenshot of a credit card

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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