Points 101
Transfer Partners: Which Points Go Where
Every airline and hotel partner for all seven bank currencies, with ratios and the date each was last verified.
Why transfer partners are the key to outsized value
Bank points — Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, and others — are valuable precisely because they aren't locked into one airline or hotel. You can transfer them to partner programs, often unlocking redemptions worth 2–5× more than booking through the bank's own travel portal.
Transfers are usually instant and 1:1
Most bank-to-airline and bank-to-hotel transfers happen within minutes and at a 1:1 ratio — 50,000 Chase points become 50,000 Hyatt points. Some partners offer periodic transfer bonuses of 20–30%, so it pays to watch for promotions before you move points.
Only transfer when you're ready to book
Transfers are one-way and permanent — you can't move points back once they're sent. Confirm award availability before transferring, and only move what you need for the booking. Holding points in the flexible bank account keeps your options open.
The ratio matters
Most partners transfer at 1:1, but some are less favorable — for example, Amex to Delta is 1:1 while Amex to British Airways is also 1:1 but BA charges fuel surcharges on many awards. Always calculate the full cost in miles and fees before committing.
43 partners across 7 bank currencies. 12 of them can be reached from only one currency. 11 carry a live transfer bonus right now, shown in amber in their cell; see the bonuses page for the math.
One bank at a time, with its notes and live bonuses: Chase transfer partners Amex transfer partners Citi transfer partners Capital One transfer partners Bilt transfer partners Wells Fargo transfer partners Rove transfer partners
Last verified November 2, 2026. Ratios read points sent : points received, so 4:3 means 1,000 points become 750. Dimmed ratios give back fewer points than they take.
| Partner | 1 | ||||||
|---|---|---|---|---|---|---|---|
| Airlines 33 | |||||||
| Aeromexico Rewards | – | 1:1.6 | – | 1:1 | – | – | 1:1 |
| Air Canada Aeroplan | 1:1 | 1:1 | – | 1:1 | 1:1 | – | 1:1 |
| Air France/KLM Flying Blue | 1:1 | 1:1 | 1:1 | 1:1 +20% | 1:1 | 1:1 | 1:1 |
| Air India Maharaja Club | – | – | – | – | – | – | 1:1 |
| American AAdvantage | – | – | 1:13 | – | – | – | – |
| ANA Mileage Club | – | 1:1 | – | – | – | – | – |
| Atmos Rewards (Alaska) | – | – | – | – | 1:18 | – | – |
| Avianca LifeMiles | – | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | – |
| Avios (BA / Iberia / Aer Lingus) | 1:1 +30% | 1:1 | – | 1:16 | 1:1 | 1:1 | – |
| Cathay Pacific Asia Miles | – | 5:4 | 1:1 +10% | 1:1 | 1:1 | 1:1 | 1:1 |
| Copa ConnectMiles | – | – | 1:15 | 4:37 +30% | – | – | 1:1 |
| Delta SkyMiles | – | 1:1 | – | – | – | – | – |
| Emirates Skywards | – | 5:4 | 5:4 | 4:3 | 1:1 | – | – |
| Etihad Guest | – | – | 1:1 | 1:1 | 1:1 | – | 1:1 |
| EVA Air Infinity MileageLands | – | – | 1:1 | 4:3 | – | – | – |
| Finnair Plus | – | – | – | 1:1 | – | – | 1:1 |
| Frontier Miles | – | – | – | – | – | – | 1:1 |
| Hainan Fortune Wings | – | – | – | – | – | – | 1:1 |
| JAL Mileage Bank | – | – | 1:14 | 4:3 | 1:1 | – | 1:1 |
| JetBlue TrueBlue | 1:1 | 250:200 | 1:1 | 5:3 | 1:1 | 1:1 | 1:1 +20% |
| Lufthansa Miles & More | – | – | – | – | – | – | 1:1 |
| Qantas Frequent Flyer | – | 1:1 | 1:1 | 1:1 | – | – | 1:1 |
| Qatar Privilege Club (Avios) | – | 1:1 | 1:1 | 1:1 | 1:1 | – | 1:1 |
| SAS EuroBonus | – | – | – | – | – | – | 1:1 |
| Singapore KrisFlyer | 1:1 | 1:1 | 1:1 | 1:1 | – | – | – |
| Southwest Rapid Rewards | 1:1 | – | – | – | 1:1 | – | – |
| TAP Air Portugal Miles&Go | – | – | – | 1:1 | 1:1 | – | – |
| Thai Royal Orchid Plus | – | – | 1:1 | – | – | – | 1:1 |
| Turkish Miles & Smiles | – | – | 1:1 +40% | 1:1 | 1:1 | – | 1:1 |
| United MileagePlus | 1:1 | – | – | – | 1:1 | – | – |
| Vietnam Airlines Lotusmiles | – | – | – | – | – | – | 1:1 |
| Virgin Atlantic Flying Club | 1:1 | 1:1 +30% | 1:1 | – | 1:1 | 1:1 | 1:1 |
| Virgin Red | – | – | – | 1:1 +30% | 1:1 | 1:1 | 1:1 |
| Hotels 9 | |||||||
| ALL Accor Live Limitless | – | – | 2:1 | 2:1 | 3:2 | – | 3:2 |
| Choice Privileges | – | 1:1 | 1:1.5 | 1:1 | – | 1:2 | – |
| Hilton Honors | – | 1:2 | – | – | 1:1 | – | – |
| IHG One Rewards | 1:1 +80% | – | – | – | 1:1 | – | – |
| Leading Hotels — Leaders Club | – | 4:1 | – | – | – | – | – |
| Marriott Bonvoy | 1:1 | 1:1 +35% | – | – | 1:1 | – | – |
| Preferred Hotels I Prefer | – | – | 1:2 | 1:2 | 1:2 | – | – |
| World of Hyatt | 1:1 / 4:32 | – | – | – | 1:110 | – | – |
| Wyndham Rewards | 1:1 +30% | – | 1:1 | 1:1 | 1:1 | 1:2 | – |
| Rail 1 | |||||||
| Amtrak Guest Rewards | – | – | – | – | 2:19 | – | – |
No partner matches that.
- Ratios shown are for premium cards (Strata Premier, Strata Elite, legacy Prestige). No-annual-fee Citi cards (Strata, Double Cash, Custom Cash, Rewards+) transfer at 10:7 of these figures, American AAdvantage included. Holding a premium card lets you pool points from the no-fee cards and transfer at the full ratio.
- Card-conditional since Oct 1 2026: Sapphire Reserve keeps 1:1, Sapphire Preferred and Ink Preferred are at 4:3.
- The only bank currency that reaches American. Premium cards (Strata Premier, Strata Elite, legacy Prestige) transfer at 1:1; the no-annual-fee Strata, Double Cash, Custom Cash and ThankYou Preferred transfer at 10:7 (1,000 points → 700 miles), per Citi’s own card pages.
- Live 2026-09-20. Premium cards only at 1:1; no-annual-fee Citi cards transfer at 10:7 like the rest of this list.
- Live 2026-10-25. Premium cards at 1:1; no-annual-fee Citi cards at 10:7 like the rest of this list.
- Direct partner is British Airways. Iberia and Aer Lingus are reachable only by moving Avios again once they are with BA.
- Live 2026-11-02: 1,000 miles become 750 ConnectMiles.
- The only bank currency that reaches Alaska/Atmos.
- Live 2026-09-23, and the only rail partner any bank currency reaches. The 2:1 ratio halves your points, so it pays only when an Amtrak redemption beats twice what the same points fetch elsewhere — a high bar when Bilt reaches Alaska at 1:1.
- 1:1 through December 31, 2026. From January 1, 2027 every Bilt member drops to 4:3 (1,000 Bilt → 750 Hyatt), on every Bilt card and at every Bilt status. Hyatt points you plan to use in 2027 are worth moving before then, if the stay is certain.