Can You Transfer Credit Card Points to Another Person?
The general rule
Transferable bank points (Chase, Amex, Citi, Capital One) are meant to move to your linked airline and hotel loyalty accounts. Most programs also let you transfer to the loyalty accounts of a limited set of others, typically a spouse, domestic partner, household member, or authorized user you have added, rather than to anyone you choose.
Pooling through one account
The cleaner way to combine points across people is to centralize earning: a two-player setup where a couple funnels rewards into one ecosystem, or adding an authorized user so all spending earns into the same pool. Some banks (Chase, for example) let you move points to another cardholder in your household. Check your program rules for exactly who qualifies.
Gifting and its limits
Directly gifting points to an unrelated person is usually restricted, and airline or hotel programs that allow buying or transferring miles between members often charge fees that make it poor value. If your goal is to help family, adding them to your account or transferring within the household is almost always better than paid point gifting. See how points work.
Frequently asked questions
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