The Master List of Credit Card Transfer Partners (2022)

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Credit Card Transfer Partners

The Master List of Credit Card Transfer Partners

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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

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.


ProgramTypeTransfer RatioTransfer Time
Aer LingusAirline1:1Instant
Air Canada AeroplanAirline1:1Instant
Air France/KLMAirline1:1Instant
British AirwaysAirline1:1Instant
Iberia PlusAirline1:1Instant
Singapore AirAirline1:112-24 hours
Southwest AirlinesAirline1:1Instant
United AirlinesAirline1:1Instant
Virgin AtlanticAirline1:1Instant
World of HyattHotel1:1Instant
IHGHotel1:11 day
Marriott RewardsHotel1:12 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:


ProgramTypeTransfer RatioTransfer Time
Aer LingusAirline1:1N/A
AeroMexicoAirline1:1.62-12 days
Air Canada AeroplanAirline1:1Instant
Air France/KLMAirline1:1Instant
ANAAirline1:11-2 days
British AirwaysAirline1:1Instant
Cathay PacificAirline1:11-7 days
IberiaAirline1:11-3 days
SingaporeAirline1:112-48 hours
Virgin AtlanticAirline1:1Instant
Choice PrivilegesHotel1:1Instant
Hilton HonorsHotel1:2Instant
Marriott BonvoyHotel1:1Instant


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.


ProgramTypeTransfer RatioTransfer Time
Air France/KLMAirline1:1Instant
Avianca LifeMilesAirline1:1Instant
Cathay PacificAirline1:112-24 hours
EtihadAirline1:15-7 days
EVA AirAirline1:11-3 days
Jet AirwaysAirline1:1Instant
Malaysian AirlinesAirline1:1No data
QantasAirline1:11-2 days
Qatar AirwaysAirline1:11-2 days
SingaporeAirline1:112-48 hours
Thai AirwaysAirline1:14-7 days
Turkish AirlinesAirline1:11-2 days
Virgin AtlanticAirline1:1Instant
Choice HotelsHotel1:2Instant
Wyndham RewardsHotel1:1Instant


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:


ProgramTypeRatioTransfer Time
AeromexicoAirline1:1Same day
Air Canada AeroplanAirline1:1Same day
Air France/KLMAirline1:1Same day
Avianca LifeMilesAirline1:1Same day
British AirwaysAirline1:1Same day
Cathay Pacific AsiaMilesAirline1:1Up to five business days
EmiratesAirline1:1Same day
EtihadAirline1:1Same day
EVA AirAirline2:1.5Up to five business days
FinnairAirline1:1Same day
QantasAirline1:1Up to five business days
SingaporeAirline1:1Up to five business days
TAP Air PortugalAirline1:1Same day
Turkish AirlinesAirline1:1Same day
Virgin RedOther1:1Same day
AccorHotel2:1Up to two business days
WyndhamHotel1:1Same day
Choice HotelsHotel1:1Same 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:


ProgramTypeTransfer Ratio
Air France/KLM Flying BlueAirline1:1
Air Canada AeroplanAirline1:1
American Airlines AAdvantageAirline1:1
Cathay Pacific Asia Miles*Airline1:1
Emirates SkywardsAirline1:1
Hawaiian Airlines HawaiianMilesAirline1:1
Turkish Miles & SmilesAirline1:1
United MileagePlusAirline1:1
Virgin Atlantic Flying ClubAirline1:1
World of HyattHotel1:1
IHG HotelsHotel1:1


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.


Frequent Flyer ProgramMarriott Rewards Points to Partner Airline MilesTransfer Time
Aegean Airlines3:13 days
Aer Lingus AerClub3:13 days
Aeroflot Bonus3:1Up to 20 days
AeroMexico ClubPremier3:14 days
Air Canada Aeroplan3:14 days
Air France/KLM Flying Blue3:13 days
Air New Zealand Airpoints™200:124 hours
Alaska Airlines Mileage Plan®3:14 days
Alitalia MilleMiglia3:17 days
ANA Mileage Club3:14 days
American Airlines3:148 hours
Asiana Airlines Asiana Club3:14 days
Avianca LifeMiles3:124 hours
British Airways Executive Club3:13 days
Cathay Pacific Asia Miles™3:15 days
Copa Airlines ConnectMiles3:13 days
Delta SkyMiles®3:124 hours
Emirates Skywards®3:13 days
Etihad Guest3:13 days
Frontier Airlines Miles3:16 weeks
Hainan Airlines3:18 days
Hawaiian Airlines HawaiianMiles®3:124 hours
Iberia Plus3:124 hours
InterMiles3:17 days
Japan Airlines JAL Mileage Bank3:148 hours
JetBlue TrueBlue™6:124 hours
Korean Air SKYPASS3:148 hours
LATAM Airlines LATAM Pass3:1No data
Multiplus Fidelidade3:1No data
Qantas Frequent Flyer3:148 hours
Qatar Airways Privilege Club3:13 days
Saudia Airlines3:15 days
Singapore Airlines KrisFlyer®3:148 hours
South African Airways Voyager3:1No data
Southwest Airlines Rapid Rewards®3:124 hours
TAP Air Portugal Miles&Go3:1No data
THAI Airways3:14 days
Turkish Airlines Miles&Smiles3:13 days
United MileagePlus®3:1.13 days
Virgin Atlantic® Flying Club3:148 hours
Virgin Australia Velocity Frequent Flyer3:124 hours
Vueling Club3:1No 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)!


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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