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A stash of airline miles is great, but points that you can transfer to a dozen or more different airlines? Or even hotel chains? Even better. Enter the world of credit card transfer partners.
With six great transferrable currencies, more than 50 partner airlines, and different transfer ratios between them, even we struggle to keep track. So here’s our master list of all the transfer partners for Chase, American Express, Citi, Capital One, Bilt Rewards, and even Marriott Bonvoy points, too.
Leveraging these transfer partners can require more work, but it's by far the best way to squeeze even more value out of your points – especially if you're aiming to fly business or first class.
Before we dive in, we need to cover a few ground rules. The cardinal rule of transferring points is that it’s a one-way street. Once you’ve sent your credit card points out the door, you can’t get them back. That makes it critical to scope out award availability and ensure the seat you want is available before initiating a transfer. Until your plans are set, you’re much better off saving those points in your credit card account.
Related Reading: The Best Ways to Book Business Class Flights.
- Chase Transfer Partners
- American Express Transfer Partners
- Citi ThankYou Point Transfer Partners
- Capital One Venture Transfer Partners
- Bilt Rewards Transfer Partners
- Marriott Bonvoy Transfer Partners
Chase Transfer Partners
Chase is a titan in the travel rewards industry, and that’s due in large part to some excellent transfer partners.
With 11 airline and three hotel partners, Ultimate Rewards points are a must for any frequent or aspiring traveler. The Chase Sapphire Preferred® Card is easily the best place to begin for travelers just getting started with points and miles, while the Chase Sapphire Reserve® packs a huge punch with premium travel benefits on top of the same great array of transfer partners.
No matter which card you've got, the points will transfer at a 1:1 ratio. That means one Chase Ultimate Reward point equals one hotel point or airline mile.
| Aer Lingus | Airline | 1:1 | Instant |
| Air Canada Aeroplan | Airline | 1:1 | Instant |
| Air France/KLM | Airline | 1:1 | Instant |
| British Airways | Airline | 1:1 | Instant |
| Emirates | Airline | 1:1 | Instant |
| Iberia Plus | Airline | 1:1 | Instant |
| JetBlue | Airline | 1:1 | Instant |
| Singapore Air | Airline | 1:1 | 12-24 hours |
| Southwest Airlines | Airline | 1:1 | Instant |
| United Airlines | Airline | 1:1 | Instant |
| Virgin Atlantic | Airline | 1:1 | Instant |
| World of Hyatt | Hotel | 1:1 | Instant |
| IHG | Hotel | 1:1 | 1 day |
| Marriott Rewards | Hotel | 1:1 | 2 days |
Read up on Chase transfer partners, including how to transfer your points and which options here are best!
How to Earn Chase Ultimate Rewards Points
The best place to start is the Chase Sapphire Preferred® Card which allows you to earn 60,000 Ultimate Rewards points after spending $4,000 within three months.
Read up on the best ways to use Chase points, including utilizing some of these transfer partners!
The Chase Sapphire Reserve® is currently offering 50,000 points after spending $4,000 in three months.
With one of the Sapphire Cards in your wallet, you can earn even more Ultimate Rewards points by pairing them with the Chase Freedom Flex and Chase Freedom Unlimited® cards. These two Chase credit cards have no annual fee, and while they typically earn cashback, you can transfer that cashback to points on your Sapphire card to earn those points even faster.
Read more on why you should pair a Preferred Card with a Chase Freedom Card!
American Express Transfer Partners
American Express has 19 airline transfer partners and three hotel partners for a total of 22 transfer partners – more than you'll find from any other credit company.
While that flexibility and easy earning opportunities make Membership Rewards points a must for any frequent traveler, there are a few downsides to keep in mind – and one tremendous perk.
First, American Express charges a very small fee (.06 cents per point) on transfers to domestic airlines. So if you transfer 100,000 points to Delta or JetBlue, you’ll get charged $60. These fees are capped at $99.
And note that unlike Chase, there are several partners to whom your Amex points don’t transfer on a 1:1 basis. For example, transferring 1,000 points to JetBlue would get you 800 TrueBlue points.
But it gets better. American Express frequently offers transfer bonuses, giving you 20% to 50% or more miles when you transfer to a specific airline, like as much as a 40% bonus on transfers to British Airways, Iberia, and Aer Lingus. or a 30% transfer bonus to Virgin Atlantic.
Here’s the full list:
| Aer Lingus | Airline | 1:1 | N/A |
| AeroMexico | Airline | 1:1.6 | 2-12 days |
| Air Canada Aeroplan | Airline | 1:1 | Instant |
| Air France/KLM | Airline | 1:1 | Instant |
| ANA | Airline | 1:1 | 1-2 days |
| Avianca | Airline | 1:1 | Instant |
| British Airways | Airline | 1:1 | Instant |
| Cathay Pacific | Airline | 1:1 | 1-7 days |
| Delta | Airline | 1:1 | Instant |
| Emirates | Airline | 1:1 | Instant |
| Etihad | Airline | 1:1 | Instant |
| Hawaiian | Airline | 1:1 | Instant |
| Iberia | Airline | 1:1 | 1-3 days |
| JetBlue | Airline | 1.25:1 | Instant |
| Qantas | Airline | 1:1 | Instant |
| Singapore | Airline | 1:1 | 12-48 hours |
| Virgin Atlantic | Airline | 1:1 | Instant |
| Choice Privileges | Hotel | 1:1 | Instant |
| Hilton Honors | Hotel | 1:2 | Instant |
| Marriott Bonvoy | Hotel | 1:1 | Instant |
Read our full guide to Amex transfer partners, how they work, and how to get the most out of them!
How to Earn Membership Rewards Points
Now you just need some American Express points. You’re in luck. American Express has a handful of credit cards to earn Membership Rewards points.
We love the Platinum Card® from American Express. It starts with a 100,000 point welcome bonus after spending $6,000 in six months, but be sure to check and see if you qualify for a 150,000-point bonus via CardMatch.
There’s also the American Express® Gold Card, which is currently offering a 60,000-point welcome bonus after spending $4,000 in the first six months. But you may be able to qualify for a whopping 75,000-point welcome bonus using CardMatch, which is unbeatable. With its 4x on dining and at U.S. supermarkets (on up to $25,000 in spending each year), it's one of the best all-around credit cards, period.
Citi ThankYou Point Transfer Partners
Citi is a mixed bag. On the one hand, there aren’t as many lucrative transfer partners as other travel programs on this list – though there are some gems, like Turkish Airlines. Further, they do not have any hotel transfer partners.
Citi
has a handful of cards which make it far easier to pool points with friends and family members to book a ticket. While Chase requires members to share a billing address to pool points, you can transfer Citi points to any Citi ThankYou account holder: A family member, friend, or complete stranger. Just beware that those points transferred between
accounts expire within 90 days.
| Aeromexico | Airline | 1:1 | Instant |
| Air France/KLM | Airline | 1:1 | Instant |
| Avianca LifeMiles | Airline | 1:1 | Instant |
| Cathay Pacific | Airline | 1:1 | 12-24 hours |
| Emirates | Airline | 1:1 | Instant |
| Etihad | Airline | 1:1 | 5-7 days |
| EVA Air | Airline | 1:1 | 1-3 days |
| JetBlue | Airline | 1:1* | Instant |
| Qantas | Airline | 1:1 | 1-2 days |
| Qatar Airways | Airline | 1:1 | 1-2 days |
| Singapore | Airline | 1:1 | 12-48 hours |
| Thai Airways | Airline | 1:1 | 4-7 days |
| Turkish Airlines | Airline | 1:1 | 1-2 days |
| Virgin Atlantic | Airline | 1:1 | Instant |
| Choice Hotels | Hotel | 1:2* | Instant |
| Wyndham Rewards | Hotel | 1:1* | Instant |
Check out our full walkthrough on Citi transfer partners and how they work!
How to Earn Citi ThankYou Points
Citi ThankYou points can be earned from the Citi Premier® Card. The ThankYou Premier card is currently offering 80,000 Citi ThankYou points after spending $4,000 in the first three months of card membership.
Capital One Venture Transfer Partners
Capital One is a recent addition to the world of transferable points – and they've steadily added more partners.
You can now transfer points from great credit cards like the Capital One Venture X Rewards Credit Card, or the Capital One Venture Rewards Credit Card to 15 airline partners and three hotel chains. For years, these transfers weren't as lucrative as other banks.
Capital One recently improved by making most of their transfer partners 1:1. That means one Capital One Venture mile will be equal to one airline mile or hotel point.
Here's the list of the options:
| Aeromexico | Airline | 1:1 | Instant |
| Air Canada Aeroplan | Airline | 1:1 | Instant |
| Air France/KLM | Airline | 1:1 | Instant |
| Avianca LifeMiles | Airline | 1:1 | Instant |
| British Airways | Airline | 1:1 | Instant |
| Cathay Pacific AsiaMiles | Airline | 1:1 | Up to five business days |
| Emirates | Airline | 1:1 | Instant |
| Etihad | Airline | 1:1 | Up to 1 day |
| EVA Air | Airline | 2:1.5 | Up to five business days |
| Finnair | Airline | 1:1 | Instant |
| Qantas | Airline | 1:1 | Up to 1 day |
| Singapore | Airline | 1:1 | Instant |
| TAP Air Portugal | Airline | 1:1 | Same day |
| Turkish Airlines | Airline | 1:1 | Same day |
| Virgin Red | Other | 1:1 | Same day |
| Accor | Hotel | 2:1 | Up to two business days |
| Wyndham | Hotel | 1:1 | Same day |
| Choice Hotels | Hotel | 1:1 | Same day |
Read our guide on how to transfer Capital One miles!
How to Earn Capital One Venture Miles
There’s a new kid on the block, and it might just be the best travel credit card we’ve ever seen.
The Capital One Venture X Rewards Credit Card is the bank’s very first premium travel card. Think of it as a souped-up version of the ever-popular Capital One Venture Rewards Credit Card that’s chock full of extra benefits: Access to Capital One Lounges and Priority Pass lounges, a $300 annual travel credit, a credit for Global Entry or TSA PreCheck, great travel and rental car insurance protection, and more. The annual fee clocks in at $395 a year, but the benefits can easily outweigh that.
Then there is the Capital One Venture Rewards Credit Card has been a fan-favorite among travelers for years – and for good reason. It’s truly one of the best travel credit cards for beginners.
You earn 2x points on every purchase and even get a credit that covers the cost of Global Entry or TSA PreCheck – all for a card with a $95 annual fee.
Bilt Rewards Transfer Partners
Bilt Rewards is a new rewards program that allows qualified U.S. renters the ability to earn rewards by paying their rent through the Bilt Rewards app. You’ll be able to earn points on your rent payment no matter where you live.
And if your landlord is a member of the Bilt Rewards Alliance, you will be able to pay your rent electronically through the Bilt Rewards app by securely linking your bank account. According to Bilt, the current members of the Bilt Alliance make up more than 2 million rental units.
One of the ways in which Bilt Rewards points can be used is by transferring them to a stable of airline and hotel travel rewards partners on a 1:1 basis (1 Bilt Rewards point is equal to 1 airline mile or hotel point).
Read More: Bilt Rewards Overhauls Rewards Program to Earn More Points on Rent Payments
Here's the list of the options:
| Aer Lingus Avios | Airline | 1:1 |
| Air France/KLM Flying Blue | Airline | 1:1 |
| Air Canada Aeroplan | Airline | 1:1 |
| American Airlines AAdvantage | Airline | 1:1 |
| British Airways Avios | Airline | 1:1 |
| Cathay Pacific Asia Miles | Airline | 1:1 |
| Emirates Skywards | Airline | 1:1 |
| Hawaiian Airlines HawaiianMiles | Airline | 1:1 |
| Iberia Avios | Airline | 1:1 |
| Turkish Miles & Smiles | Airline | 1:1 |
| United MileagePlus | Airline | 1:1 |
| Virgin Atlantic Flying Club | Airline | 1:1 |
| World of Hyatt | Hotel | 1:1 |
| IHG Hotels | Hotel | 1:1 |
How to Earn Bilt Rewards Points
It all starts with the Bilt Rewards Mastercard.
First and foremost, the card has a $0 annual fee. Next, you’ll earn 1x point for every dollar you spend on rent payments with no fees. And you’ll have the ability to earn 1x point on up to $50,000 in rent payments each and every year.
Next, the card will earn 2x points on travel, when you book directly with an airline, hotel, car rental, or cruise line. Finally, the card will earn 3x points per dollar spent on dining plus 1x points per dollar spent on all other purchases.
Also, all new Bilt Rewards Mastercard holders will earn 2x points on all purchases for the first 30 days of card membership.
Marriott Bonvoy Transfer Partners
Marriott Bonvoy isn’t a credit card company, but Bonvoy points can be valuable and versatile. With more than 40 airline transfer partners, Marriott Bonvoy points are arguably the most flexible in the points and miles world. And that only increases their value.
A 3:1 transfer ratio to most airlines makes this one of the few, if not the only, hotel point currencies that make sense to transfer. Marriott goes further by adding a 5,000-mile bonus for every transfer of 60,000 Marriott points (20,000 airline miles). That means a transfer of 60,000 Bonvoy points nets you 25,000 airline miles.
Plus, you'll find almost every major airline in the world on this list.
The only downside to transferring Marriott points is that the process often takes longer than credit card points. You should expect it to take anywhere between 1 day to 2 weeks, so plan accordingly if you’re booking an award.
| Aegean Airlines | 3:1 | 3 days |
| Aer Lingus AerClub | 3:1 | 3 days |
| Aeroflot Bonus | 3:1 | Up to 20 days |
| AeroMexico ClubPremier | 3:1 | 4 days |
| Air Canada Aeroplan | 3:1 | 4 days |
| Air France/KLM Flying Blue | 3:1 | 3 days |
| Air New Zealand Airpoints™ | 200:1 | 24 hours |
| Alaska Airlines Mileage Plan® | 3:1 | 4 days |
| Alitalia MilleMiglia | 3:1 | 7 days |
| ANA Mileage Club | 3:1 | 4 days |
| American Airlines | 3:1 | 48 hours |
| Asiana Airlines Asiana Club | 3:1 | 4 days |
| Avianca LifeMiles | 3:1 | 24 hours |
| British Airways Executive Club | 3:1 | 3 days |
| Cathay Pacific Asia Miles™ | 3:1 | 5 days |
| Copa Airlines ConnectMiles | 3:1 | 3 days |
| Delta SkyMiles® | 3:1 | 24 hours |
| Emirates Skywards® | 3:1 | 3 days |
| Etihad Guest | 3:1 | 3 days |
| Frontier Airlines Miles | 3:1 | 6 weeks |
| Hainan Airlines | 3:1 | 8 days |
| Hawaiian Airlines HawaiianMiles® | 3:1 | 24 hours |
| Iberia Plus | 3:1 | 24 hours |
| InterMiles | 3:1 | 7 days |
| Japan Airlines JAL Mileage Bank | 3:1 | 48 hours |
| JetBlue TrueBlue™ | 6:1 | 24 hours |
| Korean Air SKYPASS | 3:1 | 48 hours |
| LATAM Airlines LATAM Pass | 3:1 | No data |
| Multiplus Fidelidade | 3:1 | No data |
| Qantas Frequent Flyer | 3:1 | 48 hours |
| Qatar Airways Privilege Club | 3:1 | 3 days |
| Saudia Airlines | 3:1 | 5 days |
| Singapore Airlines KrisFlyer® | 3:1 | 48 hours |
| South African Airways Voyager | 3:1 | No data |
| Southwest Airlines Rapid Rewards® | 3:1 | 24 hours |
| TAP Air Portugal Miles&Go | 3:1 | No data |
| THAI Airways | 3:1 | 4 days |
| Turkish Airlines Miles&Smiles | 3:1 | 3 days |
| United MileagePlus® | 3:1.1 | 3 days |
| Virgin Atlantic® Flying Club | 3:1 | 48 hours |
| Virgin Australia Velocity Frequent Flyer | 3:1 | 24 hours |
| Vueling Club | 3:1 | No data |
Read the master guide to transferring Marriott Bonvoy points to airlines
Bottom Line
Mastering the ins and outs of credit card transfer partners, and piling up the right points to do so, is a key in the world of miles and points. But keeping track of all the different options at your disposal can feel like a full-time job.
Bookmark this page and reference it any time you need a refresher on the different options you've got to use your credit card points (or hotel points)!
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