Credit Card Transfer Partners: A Comprehensive Guide to Transferring Points and Miles to Airlines and Hotels
At TPG, we are big fans of transferable credit card points.
The flexibility to shift your rewards to various airline and hotel loyalty programs instantly enhances your travel options. You're not confined to one redemption method when planning your journeys. If certain seats aren't available in one program, you can easily switch to another before transferring your credit card points. Should a program unexpectedly devalue, you can simply choose a different program for your next transfer.
With so many transfer options available, it can be overwhelming to keep track of them all.
This handy guide details which credit card points can be transferred to which airline and hotel programs, along with their transfer ratios. We also provide our assessment of each transfer partner, helping you to maximize the value of your hard-earned points.
Airline Transfer Partners
KLM Premium Economy. BEN SMITHSON/Dinogo| Transfer partner | TPG valuation (August 2024) | American Express Membership Rewards | Bilt Rewards | Capital One miles | Chase Ultimate Rewards | Citi ThankYou Rewards | Wells Fargo Rewards |
|---|---|---|---|---|---|---|---|
| Aer Lingus AerClub (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
| Aeromexico Rewards | Not valued | 1:1.6 | 1:1 | 1:1 | |||
| Air Canada Aeroplan | 1.5 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
| Air France-KLM Flying Blue | 1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 |
| Alaska Airlines Mileage Plan | 1.55 cents | 1:1 | |||||
| American Airlines AAdvantage | 1.55 cents | ||||||
| ANA Mileage Club | 1.4 cents | 1:1 | |||||
| Avianca LifeMiles | 1.7 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
| British Airways Executive Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
| Cathay Pacific Asia Miles | 1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
| Delta SkyMiles | 1.15 cents | 1:1 | |||||
| Emirates Skywards | 1.2 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
| Etihad Guest | 1.2 cents | 1:1 | 1:1 | 1:1 | |||
| EVA Air Infinity MileageLands | Not valued | 4:3 | 1:1 | ||||
| Finnair Plus (Avios) | 1.4 cents | 1:1 | |||||
| HawaiianMiles | 0.9 cents | 1:1 | |||||
| Iberia Plus (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
| JetBlue TrueBlue | 1.3 cents | 250:200 | 1:1 | 1:1 | |||
| Qantas Frequent Flyer | Not valued | 1:1 | 1:1 | 1:1 | |||
| Qatar Airways Privilege Club (Avios) | 1.4 cents | 1:1 | 1:1 | ||||
| Singapore Airlines KrisFlyer | 1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
| Southwest Rapid Rewards | 1.4 cents | 1:1 | |||||
| TAP Miles&Go | Not valued | 1:1 | |||||
| Thai Royal Orchid Plus | Not valued | 1:1 | |||||
| Turkish Airlines Miles&Smiles | 1.2 cents | 1:1 | 1:1 | 1:1 | |||
| United MileagePlus | 1.35 cents | 1:1 | 1:1 | ||||
| Virgin Atlantic Flying Club | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
| Total airline transfer partners | 18 | 12 | 15 | 11 | 14 | 5 |
Citi ThankYou Rewards points can also be transferred to Virgin Red (for airlines and hotels) at a 1:1 ratio.
Here are a few key points to note about these transfer partners:
- Many transfers occur instantly, but be sure to check our guides for transfer times with American Express, Bilt, Capital One, Chase, Citi, and Wells Fargo for more specifics.
- Avios can be transferred among British Airways Executive Club, Iberia Plus, Aer Lingus AerClub, Finnair Plus, and Qatar Airways Privilege Club accounts in either direction at a 1:1 ratio.
- Transfers from Bilt or Capital One to Virgin Atlantic are routed through Virgin Red.
- Programs sometimes provide transfer bonuses — details of which we highlight in our regularly updated guide to transfer bonuses.
Ultimately, with the exception of EVA Air Infinity MileageLands and Finnair Plus, you can transfer Marriott Bonvoy points to all the airline partners mentioned above at a conversion rate of 3 Bonvoy points for 1 airline point or mile. For every 60,000 Bonvoy points transferred, you'll also receive an extra 5,000 airline points or miles, except for American AAdvantage, Avianca LifeMiles, and Delta SkyMiles. Additionally, United MileagePlus offers 10,000 bonus miles for each 60,000 points transferred.
Hotel Transfer Partners
The Langham, London. CLINT HENDERSON/Dinogo| Loyalty program | TPG valuation (August 2024) | American Express Membership Rewards | Bilt Rewards | Capital One miles | Chase Ultimate Rewards | Citi ThankYou Rewards | Wells Fargo Rewards |
|---|---|---|---|---|---|---|---|
| ALL — Accor Live Limitless | 2.0 cents | 2:1 | 2:1 | ||||
| Best Western Rewards | 0.6 cents | ||||||
| Choice Privileges | 0.6 cents | 1:1 | 1:1 | 1:2 | 1:1 | ||
| Hilton Honors | 0.6 cents | 1:2 | 1:1 | ||||
| IHG One Rewards | 0.5 cents | 1:1 | 1:1 | ||||
| Marriott Bonvoy | 0.85 cents | 1:1 | 1:1 | 1:1 | |||
| World of Hyatt | 1.7 cents | 1:1 | 1:1 | ||||
| Wyndham Rewards | 1.1 cents | 1:1 | 1:1 | ||||
| Total hotel transfer partners | 3 | 4 | 3 | 3 | 3 | 1 |
Similar to airline transfers, most hotel transfers are processed instantly, though you can find further details in our earlier guides on transfer times for Amex, Bilt, Capital One, Chase, Wells Fargo, and Citi.
Ways to Earn Transferable Points
To maximize your earning potential of transferable credit card points, it’s crucial to choose the right card. Here’s a rundown of your top options.
American Express Membership Rewards
The following cards are the most sought-after for earning American Express Membership Rewards points:
- The Platinum Card® from American Express
- The Business Platinum Card® from American Express
- American Express® Gold Card
- American Express® Business Gold Card
- The Blue Business® Plus Credit Card from American Express
- American Express® Green Card
Additionally, you can earn Amex points by registering for Rakuten and selecting Membership Rewards points as your earning preference instead of cash back.
The details for the American Express Green Card have been gathered independently by Dinogo. The information on this page has not been verified or supplied by the card issuer.
Bilt Rewards
Bilt offers a single credit card, the Bilt Mastercard®. Cardholders can earn rewards on rent payments (up to 100,000 Bilt Points per calendar year), 2 points for every dollar spent on travel (including airfare, hotels, cruises, and rental cars), and 3 points per dollar spent on dining. To qualify for points, you must make at least five transactions each billing cycle (refer to rewards and benefits). The best part? The Bilt Mastercard comes with no annual fee (see rates and fees).
TPG founder Brian Kelly serves as a Bilt adviser and investor.
Capital One miles
Here are the current cards that earn transferable Capital One miles:
- Capital One Venture X Rewards Credit Card
- Capital One Venture Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
- Capital One Spark Miles for Business
- Capital One Spark Miles Select for Business
The information for the Capital One Spark Miles Select has been independently gathered by Dinogo. The details on this page have not been reviewed or provided by the card issuer.
Chase Ultimate Rewards
Here are the cards that allow you to earn fully transferable Chase Ultimate Rewards points:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Ink Business Preferred® Credit Card
If you hold one of these cards, you can also merge your rewards from cash-back cards such as the Chase Freedom Flex® and Chase Freedom Unlimited® into one account, effectively turning those cash-back rewards into fully transferable Ultimate Rewards points.
Citi ThankYou Rewards
Citi ThankYou Rewards features 18 airline and hotel transfer partners. Currently, only one card allows transfers to all these programs: the Citi Strata Premier℠ Card (see rates and fees). If you still have the Citi Prestige® Card, which is not open to new applications, you retain full transfer privileges.
Similar to Chase Ultimate Rewards points, you can consolidate your Citi ThankYou Rewards points into a single account for certain products. This enables you to effectively change your fixed-value rewards from cards like the Citi Rewards+® Card (see rates and fees) or Citi Double Cash® Card (see rates and fees) into fully transferable ThankYou points.
The details regarding the Citi Prestige have been gathered independently by Dinogo. The information presented on this page has not been verified or supplied by the card issuer.
Wells Fargo Rewards
While Wells Fargo provides a variety of credit cards, including several that offer cash-back rewards, transferable Wells Fargo Rewards points can currently be earned only with these cards:
- Wells Fargo Autograph Journey℠ Card (see rates and fees)
- Wells Fargo Autograph℠ Card (see rates and fees)
Conclusion
There are numerous transfer options within the five leading credit card loyalty programs. Transferable points typically hold greater value than any individual airline or hotel point or mile, thanks to the flexibility in choosing where and when to utilize your points.
Save this cheat sheet for quick reference on your options when applying for your next credit card that earns transferable points or planning your next redemption.
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