How to protect your Chase UR points while you are alive

There is no way to name a beneficiary for Ultimate Rewards points; the agreements state that points can't be transferred by operation of law, such as by inheritance.^{1, 2, 3, 4}

Chase names Sapphire Reserve, Sapphire Preferred and Ink Business Preferred as the cards that can transfer points to travel partners; the Freedom and Freedom Unlimited agreements contain no partner-transfer clause.^{5, 3, 4}

Chase shows the currently eligible partner programs in the "Transfer to Travel Partners" section of the Chase Travel portal, after the cardmember signs in.⁵

On the Sapphire cards, points transfer in 1,000-point increments, and only to participating frequent travel program accounts of the cardholder or one household member listed on the account as an authorized user.^{1, 2}

Most partner transfers process by the next business day but can take up to 7 business days. Transferred points come under the partner program's terms, can't be refunded, and the transaction can't be canceled.^{1, 2}

Once points go to an authorized user, that person is the only authorized user eligible to receive point transfers through the program.^{1, 2}

A point transfer fee may apply to a partner transfer.^{1, 2}

Points do not expire as long as the account is open and in good standing.¹