Credit card transfer partners: Guide to transferring points and miles to airlines and hotels
Editor's Note
Quick summary
- Transferable credit card points and miles offer flexibility by allowing you to move rewards to a variety of airline and hotel loyalty programs.
- A comprehensive guide details which transferable points can be sent to specific airline and hotel partners, including transfer ratios and TPG's latest valuations as of September 2025.
- Most transfers are instantaneous, but some exceptions and upcoming changes—such as devaluations or loss of partners—are highlighted.
- The article also explains how combining points from different cards within the same program can unlock better transfer ratios.
What to consider
- Transfer ratios and partner availability can change, with some programs announcing upcoming devaluations or ending partnerships.
- Certain loyalty programs allow points to be transferred between related accounts (e.g., Avios programs) at a 1:1 ratio, while others have unique bonus structures for large transfers.
- Eligibility for optimal transfer ratios may depend on holding specific types of cards within a program.
What you'll miss from the article
- A detailed chart outlining all current airline and hotel transfer partners, their transfer ratios and TPG's point valuations for each as of September 2025.
Generated by AI with support from our editorial team.
We love transferable credit card points and miles here at TPG.
The ability to transfer your rewards to a wide range of airline and hotel loyalty programs provides valuable flexibility to maximize your travel. You're not locked into a single redemption scheme as you plan your trips. If you can't find the seats available in one program, you can choose another program before transferring any credit card points or miles. If a program devalues its currency without notice, you can switch to a different program for your next points or miles transfer.
With dozens of different transfer possibilities, it can be difficult to remember just how many options you have.
Here's a handy guide that breaks down which credit card points and miles can be transferred to which airline and hotel programs, including their respective transfer ratios. We also list our valuation for each transfer partner so you can get the best value to maximize your hard-earned points and miles.
Airline transfer partners
| Transfer partner | TPG valuations (September 2025) | 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 | 0.8 cents | 1:1.6 | 1:1 | 1:1 | |||
| Air Canada Aeroplan | 1.4 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 |
| American Airlines AAdvantage | 1.55 cents | 1:1 | |||||
| ANA Mileage Club | 1.4 cents | 1:1 | |||||
| Alaska Airlines Atmos Rewards | 1.5 cents | 1:1 | |||||
| Avianca LifeMiles | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
| British Airways 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 | 5:4 | |
| Etihad Guest | 1.2 cents | 1:1 | 1:1 | 1:1 | |||
| EVA Air Infinity MileageLands | Not valued | 2:1.5 | 1:1 | ||||
| Finnair Plus (Avios) | 1.4 cents | 1:1 | |||||
| Frontier Miles | 1.1 cents | ||||||
| Hawaiian Airlines HawaiianMiles | 1.5 cents | ||||||
| Iberia Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
| Japan Airlines Mileage Bank | Not valued | 1:1 | |||||
| JetBlue TrueBlue | 1.45 cents | 250:200 | 5:3 | 1:1 | 1:1 | ||
| Qantas Frequent Flyer | 1.3 cents | 1:1 | 1:1 | 1:1 | |||
| Qatar Airways Privilege Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | |||
| Singapore KrisFlyer | 1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
| Southwest Rapid Rewards | 1.3 cents | 1:1 | 1:1 | ||||
| TAP Miles&Go | Not valued | 1:1 | 1:1 | ||||
| Thai Airways Royal Orchid Plus | Not valued | 1:1 | |||||
| Turkish Airlines Miles&Smiles | 1.2 cents | 1:1 | 1:1 | 1:1 | |||
| United MileagePlus | 1.3 cents | 1:1 | 1:1 | ||||
| Virgin Atlantic Flying Club | 1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
| Virgin Red (airlines and hotels) | 1.3 cents (Virgin Atlantic Flying Club points valuation) | 1:1 | 1:1 | 1:1 | 1:1 | ||
| Total airline transfer partners | 17 | 17 (including Virgin Red) | 15-plus | 11 | 16 (including Virgin Red) | 7 (including Virgin Red) |
*You can transfer Citi ThankYou rewards at a 1:1 ratio with certain Citi cards — the Citi Prestige® Card, Citi Strata Elite℠ Card (see rates and fees) and Citi Strata Premier® Card (see rates and fees). Rewards with other Citi cards transfer at a 1:0.7 ratio.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
There are a few important notes to highlight regarding these transfer partners:
- Many transfers are instantaneous, though you should check out our guides to transfer times for American Express, Bilt, Capital One, Chase, Citi and Wells Fargo for more details.
- American Express will devalue Emirates Skywards point transfers from a 1:1 ratio to 5:4 on Sept. 16, representing a 20% loss of value in the transfer.
- Chase will lose Emirates Skywards as a transfer partner Oct. 16.
- Avios can be transferred between Aer Lingus AerClub, British Airways Club, Finnair Plus, Iberia Club and Qatar Airways Privilege Club accounts in any direction at a 1:1 ratio.
- HawaiianMiles miles transfer to Atmos Rewards at a 1:1 ratio; starting Oct. 1, all remaining Hawaiian miles will automatically transfer to Atmos Rewards.
- Programs occasionally offer transfer bonuses, which we highlight in our frequently updated guide to transfer bonuses.
Finally, except for EVA Air Infinity MileageLands and Finnair Plus, you can transfer Marriott Bonvoy points to all airline partners listed above at a rate of 3 Bonvoy points to 1 airline point or mile. You will receive an additional 5,000 airline points or miles for every 60,000 Bonvoy points transferred, except with the following airline programs: American Airlines AAdvantage, Avianca LifeMiles and Delta SkyMiles. Additionally, United MileagePlus awards 10,000 bonus miles for every 60,000 points transferred.
Related: Should you transfer hotel points to airline partners?
Hotel transfer partners
| Loyalty program | TPG valuations (September 2025) | American Express Membership Rewards | Bilt Rewards | Capital One miles | Chase Ultimate Rewards | Citi ThankYou Rewards | Wells Fargo Rewards |
|---|---|---|---|---|---|---|---|
| Accor Live Limitless | 2.0 cents | 3:2 | 2:1 | 2:1 | |||
| Best Western Rewards | 0.6 cents | ||||||
| Choice Privileges | 0.6 cents | 1:1 | 1:1 | 1:2 | 1:2 | ||
| Hilton Honors | 0.5 cents | 1:2 | 1:1 | ||||
| IHG One Rewards | 0.5 cents | 1:1 | 1:1 | ||||
| I Prefer Hotel Rewards | Not valued | 1:4 | |||||
| Leaders Club | Not valued | 5:1 | |||||
| Marriott Bonvoy | 0.7 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 | 5 | 3 | 3 | 5 | 1 |
As with transfers to airline partners, most transfers to hotel partners are instantaneous, though you can read more in our previously mentioned guides to transfer times for Amex, Bilt, Capital One, Chase, Citi and Wells Fargo.
Related: Why you should master a few credit card transfer partners, and (most likely) leave the rest behind
How to earn transferable points or miles
The best way to earn transferable credit card points or miles is with the right credit card. Here's a look at your best options.
American Express Membership Rewards
These are the most popular cards that earn 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
You can also earn Amex points by signing up for Rakuten and setting your earning preference to Membership Rewards points instead of cash back.
Bilt Rewards
Bilt offers one credit card, the Bilt Mastercard® (see rates and fees). Cardmembers can earn rewards on rent payments (up to 100,000 Bilt Points in a calendar year), plus 2 points per dollar spent on travel (airfare, hotels, cruises and rental cars) and 3 points per dollar spent on dining.
You need to make at least five transactions each statement period to earn points (see rewards and benefits). Best of all, the Bilt Mastercard has no annual fee (see rates and fees).
Capital One miles
Here are the cards that currently earn transferable Capital One miles:
- Capital One Venture Rewards Credit Card
- Capital One Venture X Business
- Capital One Venture X 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 for Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase Ultimate Rewards
Here are the cards that earn fully transferable Chase Ultimate Rewards points:
- Chase Sapphire Preferred® Card (see rates and fees)
- Chase Sapphire Reserve® (see rates and fees)
- Chase Sapphire Reserve for Business℠ (see rates and fees)
- Ink Business Preferred® Credit Card
However, if you have one of these cards, you can also combine your rewards from cash-back cards like the Chase Freedom Flex® (see rates and fees) and the Chase Freedom Unlimited® (see rates and fees) in a single account, effectively converting those cash-back earnings into fully transferable Ultimate Rewards points.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Citi ThankYou Rewards
Citi ThankYou Rewards has 21 airline and hotel transfer partners, plus one retail partnership with Shop Your Way. If you hold the Citi Prestige, Strata Elite or Strata Premier, you can leverage these partners at their full transfer ratios.
However, as with Chase Ultimate Rewards points, you can combine your Citi ThankYou Rewards points in a single account for select products. This unlocks the full transfer ratios. If you transfer from one of these cards without holding a premium Citi card, you'll get a 1:0.7 transfer ratio:
- Citi Custom Cash® Card
- Citi Double Cash® Card (see rates and fees)
- Citi Strata℠ Card (see rates and fees)
The information for the Citi Custom Cash Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Rewards
Though Wells Fargo offers multiple credit cards, including several that earn cash rewards, you can currently only earn transferable Wells Fargo Rewards points with the following cards:
- Wells Fargo Autograph Journey℠ Card (see rates and fees)
- Wells Fargo Autograph® Card (see rates and fees)
Related: How to choose the best credit card for you
Bottom line
Many transfer options are available among the major credit card loyalty programs. Transferable points and miles are generally more valuable than any single airline or hotel point or mile because of the added flexibility of choosing where to send your rewards — and when to do it.
Bookmark this cheat sheet so you know your options when applying for your next transferable points- or miles-earning credit card or deciding on your next redemption.
Related: These apps and websites make award redemptions easier to find
For rates and fees of the Bilt Mastercard, click here.
For rewards and benefits of the Bilt Mastercard, click here.