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.

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Active Transfer Bonuses

Full details & math →

+70% Chase Ultimate Rewards → Marriott Bonvoy Expires 2026-10-15 — 1,000 UR → 1,700 Bonvoy, the largest bonus on this page. Worth a sanity check before transferring: at the catalog defaults that is 1.275c of Bonvoy per UR point against 2.05c held as UR, so this only wins if you have a specific Bonvoy redemption that beats the cash price. Transfers are irreversible

+40% Rove Miles → Copa Airlines ConnectMiles Expires 2026-09-30 — Launch bonus for a brand-new 1:1 partner (added 09-01). 1,000 Rove → 1,400 ConnectMiles; minimum 2,000 miles, increments of 100, max 999,000. Deadline 11:59pm ET on 09-30. Copa is Star Alliance — useful for the Americas and as a LifeMiles/Aeroplan alternative. Transfers are irreversible

+30% American Express Membership Rewards → Avios (British Airways / Iberia / Aer Lingus) Expires 2026-09-27 — 1,000 MR → 1,300 Avios; applies across all three Avios airlines

+30% Capital One Miles → Japan Airlines Mileage Bank Expires 2026-09-30 — Started 09-01. Base ratio is 4:3, so with the bonus 1,000 Cap One miles → 975 JAL miles — close to, but not quite, 1:1. Only worth it with a JAL redemption in mind (JAL/oneworld premium cabins, intra-Japan). JAL miles expire 36 months after earning

+30% American Express Membership Rewards → Hilton Honors Expires 2026-10-14 — Started 09-01. Base 1:2 becomes 1:2.6 (1,000 MR → 2,600 Hilton). May be targeted — log in to Amex to confirm it shows. Hilton points are ~0.4c, so 2.6 Hilton per MR ≈ 1.04c/MR — still below the ~2c MR baseline; only sensible for a specific Hilton stay already planned. Bonus points do not count toward Hilton elite status

+25% Citi ThankYou Rewards → Leading Hotels of the World (Leaders Club) Expires 2026-09-19 — 1,000 TYP → 250 Leaders Club points; Strata Premier, Strata Elite, Prestige and AT&T Access More cardholders only. Worth roughly 2c per ThankYou point on a good redemption. Deadline 11:59pm ET on 09-19

+20% Chase Ultimate Rewards → Air Canada Aeroplan Expires 2026-09-30 — Started 08-12. 1,000 UR → 1,200 Aeroplan, 1,000-point minimum, unlimited uses. Stacks with the 10% Chase Aeroplan cardmember bonus on single transfers of 50,000+ UR (capped at 25,000 bonus Aeroplan points per calendar year) for 30% total

Highlighted rows = programs you track in the Points Vault. Partners without a highlight are not currently in your tracked programs. Last verified: September 13, 2026

Bank currency

Ultimate Rewards

Chase

Airlines

United MileagePlus 1:1

Southwest Rapid Rewards 1:1

Avios (BA / Iberia / Aer Lingus) 1:1

Air France/KLM Flying Blue 1:1

Singapore KrisFlyer 1:1

Virgin Atlantic Flying Club 1:1

Air Canada Aeroplan 1:1

JetBlue TrueBlue 1:1

Hotels

World of Hyatt 1:1

Card-conditional from Oct 1 2026: Sapphire Reserve keeps 1:1, Sapphire Preferred and Ink Preferred drop to 4:3.

IHG One Rewards 1:1

Marriott Bonvoy 1:1

Wyndham Rewards 1:1

Bank currency

Membership Rewards

Amex

Airlines

Delta SkyMiles 1:1

Avios (BA / Iberia / Aer Lingus) 1:1

Air France/KLM Flying Blue 1:1

Singapore KrisFlyer 1:1

ANA Mileage Club 1:1

Virgin Atlantic Flying Club 1:1

Air Canada Aeroplan 1:1

Avianca LifeMiles 1:1

Qantas Frequent Flyer 1:1

Qatar Privilege Club (Avios) 1:1

Aeromexico Rewards 1:1.6

Cathay Pacific Asia Miles 5:4

Emirates Skywards 5:4

JetBlue TrueBlue 250:200

Hotels

Hilton Honors 1:2

Marriott Bonvoy 1:1

Choice Privileges 1:1

Leading Hotels — Leaders Club 4:1

Bank currency

Capital One Miles

Capital One

Airlines

British Airways Club (Avios) 1:1

Direct partner is British Airways. Iberia and Aer Lingus are reachable only by moving Avios again once they are with BA.

Air Canada Aeroplan 1:1

Air France/KLM Flying Blue 1:1

Turkish Miles & Smiles 1:1

Singapore KrisFlyer 1:1

Avianca LifeMiles 1:1

Aeromexico Rewards 1:1

Cathay Pacific Asia Miles 1:1

Etihad Guest 1:1

Finnair Plus 1:1

Qantas Frequent Flyer 1:1

Qatar Privilege Club (Avios) 1:1

TAP Air Portugal Miles&Go 1:1

Virgin Red 1:1

EVA Air Infinity MileageLands 4:3

JAL Mileage Bank 4:3

JetBlue TrueBlue 5:3

Emirates Skywards 4:3

Hotels

Wyndham Rewards 1:1

Choice Privileges 1:1

ALL Accor Live Limitless 2:1

Bank currency

ThankYou Rewards

Citi

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, and cannot reach American AAdvantage at all. Holding a premium card lets you pool points from the no-fee cards and transfer at the full ratio.

Airlines

American AAdvantage 1:1

The only bank currency that reaches American — but premium cards only (Strata Premier, Strata Elite, legacy Prestige). No-annual-fee Citi cards cannot transfer to American at all.

Air France/KLM Flying Blue 1:1

Singapore KrisFlyer 1:1

Turkish Miles & Smiles 1:1

Avianca LifeMiles 1:1

JetBlue TrueBlue 1:1

Virgin Atlantic Flying Club 1:1

Cathay Pacific Asia Miles 1:1

Etihad Guest 1:1

EVA Air Infinity MileageLands 1:1

Qantas Frequent Flyer 1:1

Qatar Privilege Club (Avios) 1:1

Thai Royal Orchid Plus 1:1

Emirates Skywards 5:4

Hotels

Wyndham Rewards 1:1

Choice Privileges 1:1.5

ALL Accor Live Limitless 2:1

Bank currency

Wells Fargo Rewards

Wells Fargo

Airlines

Avios (BA / Iberia / Aer Lingus) 1:1

Air France/KLM Flying Blue 1:1

Avianca LifeMiles 1:1

Cathay Pacific Asia Miles 1:1

JetBlue TrueBlue 1:1

Virgin Atlantic Flying Club 1:1

Virgin Red 1:1

Hotels

Choice Privileges 1:2

Wyndham Rewards 1:2

Bank currency

Rove Miles

Rove

Airlines

Aeromexico Rewards 1:1

Air Canada Aeroplan 1:1

Air India Maharaja Club 1:1

Cathay Pacific Asia Miles 1:1

Copa ConnectMiles 1:1

Etihad Guest 1:1

Finnair Plus 1:1

Air France/KLM Flying Blue 1:1

Frontier Miles 1:1

Hainan Fortune Wings 1:1

JAL Mileage Bank 1:1

Lufthansa Miles & More 1:1

Qantas Frequent Flyer 1:1

Qatar Privilege Club (Avios) 1:1

SAS EuroBonus 1:1

Thai Royal Orchid Plus 1:1

Turkish Miles & Smiles 1:1

Vietnam Airlines Lotusmiles 1:1

Virgin Atlantic Flying Club 1:1

Virgin Red 1:1

Hotels

ALL Accor Live Limitless 3:2

Bank currency

Bilt Rewards

Bilt

Airlines

United MileagePlus 1:1

Atmos Rewards (Alaska) 1:1

The only bank currency that reaches Alaska/Atmos.

Southwest Rapid Rewards 1:1

Air France/KLM Flying Blue 1:1

Avios (BA / Iberia / Aer Lingus) 1:1

Turkish Miles & Smiles 1:1

Virgin Atlantic Flying Club 1:1

Virgin Red 1:1

Emirates Skywards 1:1

Air Canada Aeroplan 1:1

Avianca LifeMiles 1:1

Qatar Privilege Club (Avios) 1:1

Etihad Guest 1:1

Cathay Pacific Asia Miles 1:1

JAL Mileage Bank 1:1

TAP Air Portugal Miles&Go 1:1

Hotels

World of Hyatt 1:1

IHG One Rewards 1:1

Marriott Bonvoy 1:1

Hilton Honors 1:1

Wyndham Rewards 1:1

ALL Accor Live Limitless 3:2

Preferred Hotels I Prefer 1:2

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