Programs
Bank Transferable Currencies
Seven bank currencies sit at the top of the points world: Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles, Citi ThankYou, Wells Fargo Rewards, Bilt Rewards and Rove Miles. Each transfers to its own set of airline and hotel programs, and which partners a currency reaches is usually a better reason to choose it than its earning rates. Every ratio below was verified on September 13, 2026.
Chase Ultimate Rewards
Hyatt and United, and the easiest starting point.
8 airline · 4 hotel partners
Amex Membership Rewards
International premium cabins and the widest airline list.
14 airline · 4 hotel partners
Capital One Miles
Breadth of airline partners at a flat 1:1.
18 airline · 3 hotel partners
Citi ThankYou Rewards
Turkish Miles & Smiles, and the partners nobody else has.
14 airline · 3 hotel partners
Wells Fargo Rewards
A newer, smaller list worth checking before you assume.
7 airline · 2 hotel partners
Rove Miles
A long partner list on a currency few people hold.
20 airline · 1 hotel partners
Bilt Rewards
Paying rent, and an unusually broad partner list.
16 airline · 7 hotel partners
Why only bank currencies have pages
A page should have something to say. These seven have between nine and twenty-three verified partners each, with a ratio against every row and a date the row was last checked. Most individual airline and hotel programs have one to five facts attached to them on this site, and a page whose entire content is a single ratio and a borrowed valuation is filler.
Those programs are not missing, they are just not pretending to be articles. Every one of them appears with its ratio on the transfer partner list, which is the honest place for a fact that size. As the data behind a program grows, it earns its own page.
Start here instead if this is new
Why bank points are the foundation explains what a transferable currency is and why it beats being locked into one airline. Cents per point covers how to tell whether any of it is worth doing.
These pages list what each currency can reach. The tracker knows what you actually hold. Points Commander tracks balances across every program, counts down card credits against their reset dates, and plans award trips from your real points. Free, no affiliate links, no bank login.