Can I share points with my partner or family?

Short answer for 2026: Capital One and Rove let you send points to someone else, Chase lets you send to one person at your address, and Amex, Bilt, Citi and Wells Fargo don't let you send points to another person's rewards account (Amex has one narrow exception for Additional Card Members' airline and hotel accounts). Hotels and many airlines (United, JetBlue, BA, Flying Blue, Virgin Atlantic, Qatar, Emirates, Etihad) have free pools; Delta, American and Southwest only sell transfers. Rules and sources for each are below.

Checked Oct 18, 2026 against each program's own pages where we could load them, and recent points-site reports where we couldn't (each card links its source). Programs change these rules often. Confirm on the linked page before you move anything. MaxUrPoints is 100% free. We help you find the rules and bonuses; we never touch your accounts or ask for logins.

2026 changed the rules

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Pool calculator

For programs that allow sharing. Add each person's balance in the same program to see the combined total and the limits that apply, then see where that total can go.

Enter two balances to see the total.

Bank points: can I send them to someone?

Bank points almost always transfer only to airline/hotel accounts in your own name. So for most couples the real move is: each person transfers to their own account, then pool there.

1 household member Chase Ultimate Rewards

Who: You can move points to one other person, and only if they live at your address (spouse, partner, roommate or any family member). Business cards: an owner of the business.

How: The first time, call the number on your card to link their Chase card. After that, use Combine points in Ultimate Rewards. Moving points between your own Chase cards works online right away.

  • Free, no minimum, usually instant
  • Can't be undone
  • One designated person only

Live bonuses from Chase: British Airways Club +30% to Dec 1 Iberia Club +30% to Dec 1 Aer Lingus AerClub +30% to Dec 1 IHG One Rewards +80% to Dec 3 Wyndham Rewards +30% to Dec 3

Source: Chase: combine points in your household · Chase Ultimate Rewards program agreement (checked Oct 18, 2026).

No person-to-person Amex Membership Rewards

Who: Amex's terms say you can't move points into someone else's Membership Rewards account. The one exception: you can transfer to an airline or hotel account held by an Additional Card Member on your account.

How: Add them as an Additional Card Member. The card must be issued at least 90 days before you link their airline/hotel account to your Rewards account. New in Oct 2026: a new Amex card's points now sit in a separate MR account by default; link it under Manage Connections (that's your own points, not sharing).

  • Transfers are final
  • Partner account must be yours or your Additional Card Member's
  • 90-day wait for a new Additional Card

Source: Amex FAQ: how do I transfer Membership Rewards points? · Membership Rewards terms · Doctor of Credit: Amex stops auto-pooling new cards (Oct 15, 2026) (checked Oct 18, 2026).

Anyone with Capital One miles Capital One Miles

Who: The most open bank program: you can send miles to any other person who has a Capital One miles-earning card (Venture, VentureOne, Venture X, or the business versions). No household rule.

How: Between your own cards: Move Rewards online. To another person: call the number on your card with their name and card number.

  • No fee and no cap reported
  • Transfer to another person is by phone
  • Recipient needs a miles-earning card

Live bonuses from Capital One: Air France-KLM Flying Blue +20% to Nov 30

Source: AwardWallet: share Capital One miles (Sep 25, 2026) · The Points Guy: share credit card points (checked Oct 18, 2026).

Ended May 17, 2026 Citi ThankYou Points

Who: Citi discontinued Points Sharing for every ThankYou card. May 16, 2026 was the last day to send or receive shared points.

How: You can still combine points from your own Citi cards into one ThankYou account. To share with someone now, each person transfers to their own airline/hotel account and uses that program's pooling (below).

  • No sending or receiving since May 17, 2026
  • Your own cards can still be combined

Live bonuses from Citi: Cathay Pacific Asia Miles +10% to Nov 14

Source: The Points Guy: Citi ends Points Sharing (May 14, 2026) · Frequent Miler: last weekend to share (ended May 17) (checked Oct 18, 2026).

No person-to-person Bilt Points

Who: We found no way to send Bilt Points to another Bilt member. Bilt transfers go out to airline and hotel partner accounts and can't be reversed.

How: Each person transfers to their own partner account, then uses that partner's pooling or transfer tool (Hilton, Hyatt, Marriott, United, Flying Blue and British Airways below all take Bilt points).

  • No member-to-member option found
  • Partner transfers are one-way

Source: Bilt support: transfer partners · NM Travels: who lets you share points? (checked Oct 18, 2026).

Ended Sep 25, 2026 Wells Fargo Rewards

Who: Wells Fargo stopped letting you gift points to another Wells Fargo Rewards customer on Sep 25, 2026.

How: You can still move rewards between your own eligible Wells Fargo cards. Each card now keeps its own balance instead of one automatic combined balance.

  • No gifting to others since Sep 25, 2026
  • Own cards: manual moves still allowed

Source: AwardWallet: Wells Fargo ends transfers between cardholders (Sep 9, 2026) · Upgraded Points: Wells Fargo points sharing ends (checked Oct 18, 2026).

Hotel points: transfers and pools

Hotel programs are the friendliest place to combine. Your bank points can usually land here first, then move between members.

Free pooling, up to 11 Hilton Honors

Who: Points Pooling lets one member combine points with up to 10 others (11 people), free. You can also do 1-to-1 transfers to any member.

How: Online at Hilton Honors. Members must have been in the program 30 days and have at least 1,000 points.

  • 1,000-point steps
  • Send up to 500,000 and receive up to 2,000,000 a year
  • 6 transfers + 6 pool transactions a year

Fill this pool from your bank: Amex 1:2 Bilt 1:1

Source: Hilton Honors FAQ: Points Pooling and transfers (checked Oct 18, 2026).

New: online since Oct 15, 2026 World of Hyatt

Who: Hyatt replaced its paper form with an online Gift Your Points tool (run by Points.com). Free, 1:1, to any member.

How: Purchase and Gift Rewards page → Gift Your Points. You need the recipient's name, email and member number. Points usually arrive within 24 hours; reviews can take up to 10 business days.

  • Minimum 1,000, then 500-point steps
  • Send and receive up to 525,000 a year
  • Once per calendar month, 6 a year
  • Both accounts open 60+ days

Fill this pool from your bank: Chase 1:1 (4:3 on some cards) Bilt 1:1

Source: Prince of Travel: Hyatt online transfers (Oct 16, 2026) · AwardWallet news roundup (Oct 17, 2026) (checked Oct 18, 2026).

Free, 100,000 a year out Marriott Bonvoy

Who: Any member can send points to another member's account, free.

How: Online. Both accounts must be in good standing and open 30 days with qualifying activity (90 days without).

  • Send up to 100,000 a year
  • Receive up to 500,000 a year

Fill this pool from your bank: Chase 1:1 Amex 1:1 Bilt 1:1

Source: Marriott Bonvoy terms, section 2.8 (updated Oct 2026) (checked Oct 18, 2026).

Transfer fee for most IHG One Rewards

Who: Members can transfer to other members, but most pay a fee per 1,000 points. The fee is waived for Diamond Elite and qualifying IHG Business Rewards members.

How: IHG points transfer form. Usually done within 24 hours, up to 72.

  • 1,000-point steps, 6 transfers a year
  • Send up to 100,000, receive up to 500,000 a year
  • Enrolled 30+ days

Fill this pool from your bank: Chase 1:1 +80% to Dec 3 Bilt 1:1

Source: The Points Guy: transfer IHG points (Mar 2026) (checked Oct 18, 2026).

Airline miles: family pools

Pools are free but come with rules on who can book and how long members must stay. Read the program's terms before you contribute.

Free pool, up to 5 United MileagePlus

Who: Miles pooling: a leader (18+) invites up to 4 friends or family of any age with MileagePlus accounts. Free.

How: Log in at united.com to create the pool and contribute. Pooled miles book United and United Express awards and select partners.

  • No limit on miles contributed
  • Pooled miles can't be used for Money + Miles
  • PQP, PQF, PlusPoints and TravelBank can't be pooled

Fill this pool from your bank: Chase 1:1 Bilt 1:1

Source: United newsroom: miles pooling · united.com: MileagePlus miles pooling (checked Oct 18, 2026).

Free pool, 2 to 7 JetBlue TrueBlue

Who: Points Pooling for 2 to 7 friends or family, no age limit for members (leader 21+).

How: Members put in 100% of their points; the leader picks who can redeem from the pool. A member who leaves takes their unused points.

  • Up to 7 members
  • All of a member's points go in
  • Leader controls who can book

Fill this pool from your bank: Chase 1:1 Amex 5:4 Capital One 5:3 Citi 1:1 (1:0.7 on some cards) Bilt 1:1 Wells Fargo 1:1 Rove 1:1 +20% to Nov 14

Source: JetBlue: TrueBlue Points Pooling (checked Oct 18, 2026).

Household, up to 7 British Airways Club

Who: A free household account pools Avios for the head of household plus up to 6 people at the same address, children included.

How: Any adult member can spend; Avios come out of each member's balance in proportion. A family and friends list lets household members book for up to 5 people outside the home. Without a household account you can already book Avios rewards for anyone.

  • Free
  • Members must stay 6 months once added
  • Under-18s can't spend Avios

Fill this pool from your bank: Chase 1:1 +30% to Dec 1 Amex 1:1 Capital One 1:1 Bilt 1:1 Wells Fargo 1:1

Source: British Airways: household accounts (checked Oct 18, 2026).

Family, up to 8 Air France-KLM Flying Blue

Who: Flying Blue Family groups up to 8 people (max 2 adults and 6 children). Free.

How: The family leader (18+) can move miles from members' accounts into the leader's account at any time, then book.

  • Max 2 adults + 6 children
  • Leader pulls miles in

Fill this pool from your bank: Chase 1:1 Amex 1:1 Capital One 1:1 +20% to Nov 30 Citi 1:1 (1:0.7 on some cards) Bilt 1:1 Wells Fargo 1:1 Rove 1:1

Source: Air France-KLM: Flying Blue Family (checked Oct 18, 2026).

New pools paused Air Canada Aeroplan

Who: Family Sharing pools up to 8 members, but Air Canada says creating a new Family Sharing account is temporarily unavailable, even by phone.

How: Existing pools keep working, including adding and removing members. If you're not in one, plan as if it doesn't exist until Air Canada reopens it.

  • Up to 8 members
  • New pools temporarily unavailable

Fill this pool from your bank: Chase 1:1 Amex 1:1 Capital One 1:1 Bilt 1:1 Rove 1:1

Source: Air Canada: Aeroplan Family Sharing (checked Oct 18, 2026).

Free with a Summit or Hawaiian card Alaska/Hawaiian Atmos Rewards

Who: Free points sharing with up to 10 other Atmos Rewards members (friends or family). Only a primary cardholder of the Atmos Rewards Summit Visa Infinite or the Hawaiian Airlines World Elite Mastercard can set up the network; the people in it don't need the card.

How: Set it up when you log in at alaskaair.com/atmosrewards. Either person in a link can send points to the other. Without one of those cards, Atmos sells transfers instead: $10 per 1,000 points plus a $25 fee per transaction.

  • Free sharing needs an eligible primary cardholder
  • Up to 10 members in a network
  • Paid transfers: $10 per 1,000 + $25 each time

Bank points that can reach Atmos: Bilt 1:1

Source: Alaska Airlines newsroom: Summit card, free points sharing · Alaska Airlines newsroom: Hawaiian card sharing (2026) · alaskaair.com: buy, share or donate points (checked Oct 19, 2026).

Household, you + 9 Virgin Atlantic Flying Club

Who: Household account: a leader (18+) links up to 9 other Flying Club members who live at the same home address. Free.

How: Create it in your Flying Club account and invite members. Points they earn through Flying Club after linking pool to the leader automatically; balances from before linking stay with each person. Only the leader can spend the pool. Members stay linked at least 12 months. Separately, you can transfer points to any other member for a flat £10/$15.

  • Same address, up to 10 people
  • Only the leader spends
  • 12-month minimum
  • Points earned via Virgin Red don't pool automatically

Bank points that can reach Flying Club (they land in your own account): Chase 1:1 Amex 1:1 Citi 1:1 (1:0.7 on some cards) Bilt 1:1 Wells Fargo 1:1 Rove 1:1

Source: virginatlantic.com: Household accounts · Flying Club terms, section 2.19 (checked Oct 19, 2026).

Family & Friends, you + 9 Qatar Airways Privilege Club

Who: Family & Friends: a main member adds up to 9 people, and the Avios they earn are credited to the main member's account. Free.

How: Add them in your Privilege Club account. Avios earned before someone leaves stay with the main member. Since Sep 2026 you can also redeem for up to 13 people (9 in Family & Friends plus 4 on My List).

  • Up to 9 people plus you
  • Their earnings go to the main member
  • Avios stay with the main member if they leave

Bank points that can reach Privilege Club (they land in your own account): Amex 1:1 Capital One 1:1 Citi 1:1 (1:0.7 on some cards) Bilt 1:1 Rove 1:1

Source: Qatar Airways: Family & Friends terms · Qatar Airways: Family Programme · The MileLion: redeeming for others (Sep 16, 2026) (checked Oct 19, 2026).

Family up to 8, no bank miles Emirates Skywards

Who: My Family: a Family Head (18+) invites up to 7 immediate family members (8 total, children included). Free.

How: Each person picks whether the miles they earn go into the family account (all or none). Miles from financial conversion partners can't be pooled, per Emirates' FAQ, so bank points you transfer to Skywards stay in your own account. Balances from before joining stay with each person.

  • 8 people max
  • Immediate family only
  • Bank-converted miles can't go in the pool

Bank points can reach Skywards, but stay in your own account (not the family pool): Amex 5:4 Capital One 2:1.5 Citi 5:4 (1:0.56 on some cards) Bilt 1:1

Source: emirates.com: My Family (checked Oct 19, 2026).

Family, up to 9 Etihad Guest

Who: Family membership: up to 9 people, each with their own Etihad Guest account, linked by a nominated family head. Free.

How: The head adds each member's name, Etihad Guest number and relationship. Members earn individually and pool miles for rewards. New members must stay at least one month; when someone leaves, the family balance drops by the miles they earned.

  • Up to 9 people
  • 1-month minimum
  • Miles you earned leave with you

Bank points that can reach Etihad Guest (they land in your own account): Capital One 1:1 Citi 1:1 (1:0.7 on some cards) Bilt 1:1 Rove 1:1

Source: etihad.com: Family membership (checked Oct 19, 2026).

Airline miles: no pool, paid transfers only

These programs charge to move miles between people, often more than the miles are worth. The cheaper move is usually to book the award for them from your own account, which these airlines allow.

Paid transfer only Delta SkyMiles

Who: No family pool. You can pay to transfer miles to another SkyMiles member.

How: Transfer on delta.com: $0.01 per mile plus a $30 processing fee per transaction, in 1,000-mile steps. Both accounts must be at least 10 days old with one posted mile.

  • Up to 150,000 out and 300,000 in per year
  • 10,000 miles costs $130
  • Final, no refunds

Bank points that can reach SkyMiles (in your own name): Amex 1:1

Source: delta.com: buy, gift, transfer or donate miles (checked Oct 19, 2026).

Paid transfer only American Airlines AAdvantage

Who: No family pool. You can pay to transfer miles you've earned to another AAdvantage member.

How: Use Transfer Miles on aa.com. American shows the fee at checkout; WalletHub reports about $5 per 1,000 miles. Miles usually post within 4 hours.

  • Up to 300,000 out and 300,000 in per calendar year
  • Fee is non-refundable
  • Transferred miles don't count for status

Bank points that can reach AAdvantage (in your own name): Citi 1:1 (1:0.7 on some cards)

Source: aa.com: Buy, Gift, Transfer FAQ · WalletHub: cost to transfer AA miles (2026) (checked Oct 19, 2026).

Paid transfer only Southwest Rapid Rewards

Who: No pooling. You can pay to transfer points to another active Rapid Rewards member.

How: On southwest.com: minimum 2,000 points, then 500-point steps (1,000 during promotions), up to 60,000 a day, paid by credit card. WalletHub reports $5 per 500 points. Points post within 72 hours.

  • Minimum 2,000 points
  • Up to 60,000 a day
  • Don't count toward A-List or Companion Pass

Bank points that can reach Rapid Rewards (in your own name): Chase 1:1 Bilt 1:1

Source: southwest.com: buy, gift and transfer points · Rapid Rewards terms · WalletHub: cost to transfer Southwest points (Sep 2026) (checked Oct 19, 2026).

Often you don't need to share at all

  1. Book for them from your account. Many airline programs let you book an award ticket for someone else with your own miles (British Airways says so on its household page). Some limit who you can book for, so check first.
  2. Or each person fills their own account. Bank points transfer to your own airline/hotel account. Both of you transfer, then pool in Hilton, Hyatt, United, JetBlue, British Airways or Flying Blue. (Not Emirates: its family pool won't take bank-converted miles.)
  3. Find the award first. Pools, transfers and gifts usually can't be undone.

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