Transfer Partner Chart

Complete guide to credit card point transfer partners — ratios, valuations, and sweet spots

Programs

Airlines

Hotels

Partner

Chase

Ultimate Rewards

Amex

Membership Rewards

Capital One

Miles

Citi

ThankYou Points

Bilt

Bilt Points

ANA Mileage Club

—

2.1¢

1:1Domestic Japan + transpacific

—

Air Canada Aeroplan

1.7¢

1:1Stopover routes

1.7¢

1:1Transatlantic business

1.7¢

1:1

—

1.7¢

1:1

Air France/KLM Flying Blue

1.4¢

1:1

1.4¢

1:1

1.4¢

1:1

1.4¢

1:1

1.4¢

1:1

American Airlines AAdvantage

—

1.4¢

1:1

Avianca LifeMiles

—

1.5¢

1:1

1.5¢

1:1

—

British Airways Avios

1.5¢

1:1Short-haul American flights

1.5¢

1:1

1.5¢

1:1

—

Cathay Pacific Asia Miles

—

1.4¢

1:1

1.4¢

1:1

1.4¢

1:1

—

Delta SkyMiles

—

1.2¢

1:1

—

Emirates Skywards

1.3¢

1:1

1.3¢

1:1

1.3¢

1:1

—

1.3¢

1:1

Etihad Guest

—

1.4¢

1:1

—

1.4¢

1:1

—

Hawaiian Miles

—

1.2¢

1:1

—

Hilton Honors

—

0.6¢

1:11 MR → 2 Hilton pts

—

Hyatt

2.3¢

1:1Category 1-4 awards

—

2.3¢

1:11:1 transfer, same as Chase

IHG Rewards

0.5¢

1:1

—

0.5¢

1:1

JetBlue TrueBlue

1.3¢

1:1

1.3¢

1:1

—

1.3¢

1:1

—

Marriott Bonvoy

0.7¢

1:1

0.7¢

1:1

—

0.7¢

1:1

Qantas Frequent Flyer

—

1.2¢

1:1

—

Qatar Airways Privilege Club

—

1.4¢

1:1

—

Singapore KrisFlyer

1.6¢

1:1Business class to Asia

1.6¢

1:1

1.6¢

1:1

1.6¢

1:1

—

Southwest Rapid Rewards

1.5¢

1:1

—

Turkish Airlines Miles&Smiles

—

2¢

1:1Star Alliance awards

2¢

1:1United flights via Turkish

2¢

1:1

United MileagePlus

1.5¢

1:1Saver awards

—

1.5¢

1:1

Virgin Atlantic

1.5¢

1:1

1.5¢

1:1

—

1.5¢

1:1

1.5¢

1:1

Wyndham Rewards

—

1¢

1:1

1¢

1:1

—

Value Tiers:Excellent (2.0¢+)Great (1.5-1.9¢)Good (1.0-1.4¢)Fair (<1.0¢)

Cards That Earn Transferable Points

Chase

Ultimate Rewards · 12 partners

Chase Sapphire Preferred Chase Sapphire Reserve Chase Ink Business Preferred Chase Freedom Unlimited Chase Freedom Flex

American Express

Membership Rewards · 14 partners

Amex Gold Amex Platinum Amex Blue Business Plus Amex Business Cash

Capital One

Miles · 10 partners

Capital One Venture X Capital One Venture

Citi

ThankYou Points · 10 partners

Citi Strata Premier Citi Double Cash

Bilt

Bilt Points · 10 partners

Bilt Mastercard

How to read this chart: Each cell shows the cents-per-point (CPP) value you can expect when transferring to that partner and redeeming at sweet spots. Higher CPP = better value. A ratio of 1:1 means 1,000 source points becomes 1,000 partner points.

Pro tip: Don't transfer points unless you have a specific redemption in mind. Transferable points are most valuable while they remain flexible. Check availability on the partner's website before transferring.