Can you pass on your Chase UR points when you die?
Chase UR points can pass to the estate after a death. While alive, the account holder can use transfers to a partner program and authorized users.
Protecting Chase UR points while the account is active
No beneficiary designation, lifetime transfer options for points, and 7-step plan.
How to protect your Chase UR points while you are alive →Someone died. Handling Chase UR points after a death
Points can be transferred to the estate, 6-step process, and 5 required documents.
What happens to Chase UR points when someone dies →Chase Ultimate Rewards is a bank-proprietary points currency earned on Sapphire Preferred, Sapphire Reserve, Freedom, Freedom Unlimited, Freedom Flex, and Ink Business cards, redeemed for cash as a statement credit, travel or gift cards, and on some cards transferred to airline and hotel programs.
JPMorgan Chase's terms allow Chase UR points to transfer to the estate after the account holder dies. While the account holder is alive, JPMorgan Chase allows transfers to a partner program and authorized users.
What happens to Chase UR at death
Naming who acts after a death
Other companies and product lines involved3
- Chase Auto
Settling a deceased customer's auto accounts5
Phone: 1-877-828-4771
Hours: Monday-Friday 9:00 AM-5:30 PM ET
- Chase Home Lending
Settling a deceased customer's home lending accounts5
Phone: 1-866-299-6752
Hours: Monday-Friday 8:00 AM-8:00 PM ET
- J.P. Morgan investment accounts
Settling a deceased customer's J.P. Morgan investment accounts5
Phone: 1-800-648-4782
Sources5
- 1.Sapphire Preferred Rewards Program Agreement (RPA0551), RPA0551 09/09/2025
- 2.Sapphire Reserve Rewards Program Agreement (RPA0550), RPA0550 10/16/2025
- 3.Freedom Rewards Program Agreement (RPA0404), RPA0404 09/11/2025
- 4.Freedom Unlimited Rewards Program Agreement (RPA0509), RPA0509 09/11/2025
- 5.Chase Estate Services
JPMorgan Chase publishes its own process for a deceased person's account: Chase Estate Services death notification; a request goes in through JPMorgan Chase's online form. There is no way to name a beneficiary or successor on a Chase UR account.
Sources
Data sourced from JPMorgan Chase primary sources (8 pages reviewed). How we research.
Chase UR customer support
Chase Credit Card Customer Service
Phone
Website
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