Thrifty Traveler's Master List of Credit Card Transfer Partners
Credit Card Transfer Partners

Thrifty Traveler’s 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? Even better. Enter the world of credit card transfer partners.

With five 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 – plus Marriott Bonvoy points, too. 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 them 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 stashing those points in your credit card account.


Chase Ultimate Rewards

Chase is a titan in the travel rewards industry, and that’s due in large part to some excellent transfer partners. With 10 airline and three hotel partners, Ultimate Rewards are a must for any frequent flyer. We’ve named the Chase Sapphire Reserve our #1 travel rewards card, while the Chase Sapphire Preferred is our #1 starter card.

Thrifty Tip: Read our guide for the rundown on how to transfer your Ultimate Rewards points to partners. Here are your options:


Chase Ultimate Rewards Transfer Partners

ProgramTypeTransfer RatioTransfer Time
Aer LingusAirline1:1Instant
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


How to Earn Chase Ultimate Rewards Points: The Chase Sapphire Reserve is currently offering 50,000 points after spending $4,000 in three months, while also touting some of the best perks of any card in the travel space. The Chase Sapphire Preferred is also offering 60,000 points after spending $4,000 in three months.


American Express Membership Rewards

American Express has 19 airline transfer partners and three hotel partners. So 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. And sending 1,000 points to your Starwood Preferred Guest account would net you just 333 SPG 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 the ongoing 40% bonus on transfers to British Airways, Iberia, and Aer Lingus.

Here’s the full list:


American Express Transfer Partners

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
El AlAirline50:1Instant
IberiaAirline1:11-3 days
SingaporeAirline1:112-48 hours
Virgin AtlanticAirline1:1Instant
Choice PrivilegesHotel1:1Instant
Hilton HonorsHotel1:2Instant
Marriott BonvoyHotel1:1Instant


How to Earn Membership Rewards Points: There are a number of cards that earn Membership Rewards points, such as the Premier Rewards Gold card, the Amex Everyday and Everyday Preferred cards to name a few. However, the most notable card that earns Membership Rewards is The American Express Platinum card. The card is currently offering 60,000 points after spending $5,000 in 3 months. Check to see if you’re eligible for a 100,000 point welcome offer!


Citi ThankYou Points

Citi is a mixed bag. On the one hand, there aren’t as many lucrative transfer partners as other travel programs on this list. 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/KLM Airline1:1Instant
Cathay Airline1:112-24 hours
Etihad Airline1:15-7 days
EVA AirAirline1:11-3 days
Garuda IndonesiaAirline1:11-2 days
Jet AirwaysAirline1:1Instant
JetBlueAirline1:1 Instant
Malaysian AirlinesAirline1:1No data
QantasAirline1:11-2 days
QatarAirline1:11-2 days
SingaporeAirline1:112-48 hours
ThaiAirline1:14-7 days
TurkishAirline1:11-2 days
Virgin AtlanticAirline1:1Instant


How to Earn Citi ThankYou Points: Citi ThankYou points can be earned from the Citi Premier Card and their top tier Citi Prestige credit card. The ThankYou Premier card is currently offering 50,000 Citi ThankYou points after spending $4,000 in the first three months of card membership. 


Capital One

Capital One is the latest bank to join the world of transferable points. You can transfer points from great credit cards like the Capital One Venture card to 15 airline partners and 2 hotel partners. For every 2 Venture miles you transfer, you will generally receive 1.5 airline miles. Though some partners transfer at a different rate.

These transfers add some extra value to the Venture cards, exposing a world for cardholders in which you can get far more than the 1 cent per point already available when booking travel directly through Capital One. Read our guide on how to make sense of Capital One’s transfer partners.

Here’s the list of the options:


ProgramTypeRatioTransfer Time
AeromexicoAirline2:1.5Same day
Air Canada Aeroplan Airline2:1.5Same day
Air France/KLMAirline2:1.5Same day
AlitaliaAirline2:1.5Same day
AviancaAirline2:1.5Same day
Cathay PacificAirline2:1.5Up to five business days
Emirates Airline2:1Same day
EtihadAirline2:1.5Same day
EVA AirAirline2:1.5Up to five business days
FinnairAirline2:1.5Same day
QantasAirline2:1.5Up to five business days
SingaporeAirline2:1Up to five business days


How to Earn Capital One Points: We already loved the Capital One Venture card because it’s the simplest way to save $500 on a flight. With a standard 50,000-point sign-up bonus after spending $3,000 in three months, you could get even more value by smart transfer partner usage.


Marriott Bonvoy

Marriott Bonvoy isn’t a credit card company, but boy are these points 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 make this one of the few, if not the only, hotel point currencies that make sense to transfer. Marriott goes farther by adding a 5,000-mile bonus for every transfer of 60,000 Marriott points (20,000 airline miles). That makes it our go-to currency when buying miles to top off an airline account to book an award.

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.

Thrifty Tip: See our master guide to transferring Marriott Rewards points to partner airlines.


Frequent Flyer ProgramMarriott Rewards Points to Partner Airline Miles
Aegean Airlines 3:1
Aeroflot Bonus3:1
AeroMexico ClubPremier3:1
Air Canada Aeroplan3:1
Air China Phoenix Miles3:1
Air France/KLM Flying Blue3:1
Air New Zealand Airpoints™200:1
Alaska Airlines Mileage Plan®3:1
Alitalia MilleMiglia3:1
ANA Mileage Club3:1
American Airlines3:1
Asiana Airlines Asiana Club3:1
Avianca LifeMiles3:1
British Airways Executive Club3:1
Asia Miles™3:1
China Southern Airlines3:1
Copa Airlines ConnectMiles3:1
Delta SkyMiles®3:1
Emirates Skywards®3:1
Etihad Guest3:1
Frontier Airlines EarlyReturns®3:1
Hainan Airlines3:1
Hawaiian Airlines HawaiianMiles®3:1
Iberia Plus3:1
Japan Airlines JAL Mileage Bank3:1
Jet Airways JetPrivilege®3:1
JetBlue TrueBlue™6:1
Korean Air SKYPASS3:1
Qantas Frequent Flyer3:1
Qatar Privilege Club3:1
Saudia Airlines3:1
Singapore Airlines KrisFlyer®3:1
South African Airways Voyager3:1
Southwest Airlines Rapid Rewards®3:1
TAP Air Portugal3:1
THAI Airways3:1
Turkish Airlines Miles&Smiles3:1
United MileagePlus®3:1.1
Virgin Atlantic® Flying Club3:1
Virgin Australia Velocity Frequent Flyer 3:1


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. We realize that everyone needs some help remembering which bank transfers to which airlines at what ratio. We hope this master list helps.


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.

5 Responses

  • Hi,
    I just called my Medallion rep. and they don’t know how to transfer miles to VA. I have the Reserve Card. Thanks.

  • Thanks for this great article.

    You did not mention Barclay’s Arrival points. Can they be transferred to any airlines?


    • Barclay points cannot be transferred to airlines. You simply use those points to book airfare directly, so 50,000 points = $500 toward plane tickets.

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