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Credit Card Transfer Partners

The Master List of Credit Card Transfer Partners

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Flexible credit card points are simply more valuable than airline miles due to their ability to transfer to a dozen or more different airlines and hotel chains. Enter the world of credit card transfer partners.

That's the beauty of points from banks like Chase, American Express, Citi, Capital One, Wells Fargo – or even earning points on rent from Bilt Rewards, or Marriott Bonvoy hotel points, too. With seven transferrable programs that allow you to send points to 50-plus partner airlines, even we struggle to keep track of which points can move where.

These programs are constantly adding new transfer partners, too, that you can use to book free and cheap travel. Bilt Rewards, for example, just announced Alaska Airlines as its latest airline transfer partner, after adding Avianca LifeMiles to its portfolio in December. Wells Fargo also announced the ability to transfer your points to a growing list of travel partners such as Air France/KLM Flying Blue, British Airways, and Avianca LifeMiles beginning April 4.

This story is a one-stop guide on where you can send your points, no matter what you've got. Leveraging these transfer partners can require a bit more legwork, 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: Get 20% (Or More) From Your Points with These Current Transfer Bonuses



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, Chase Ultimate Rewards points are practically a must for any frequent or aspiring traveler. The *chase sapphire preferred* 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 or where you're sending your points, they transfer at a 1:1 ratio. That means 1,000 Chase Ultimate Reward point gets you 1,000 hotel points or airline miles. Some of our favorites on this list include Hyatt, Air Canada Aeroplan, British Airways Avios, and Singapore Airlines.


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*: bonus_miles_full

Read up on the best ways to use Chase points, including utilizing some of these transfer partners!

The *chase sapphire reserve* also has the same welcome bonus offer: bonus_miles_full

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 *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 18 airline transfer partners and three hotel partners for a total of 21 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. Moreso than any other bank on this list, American Express frequently offers transfer bonuses, giving you 20% to 50% or more miles when you transfer to a specific airline. Some examples include as much as a 40% bonus on transfers to British Airways, Iberia, and Aer Lingus. or regular 30% transfer bonuses 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 PacificAirline1:1Instant
IberiaAirline1:11-3 days
Qatar AirwaysAirline1:1Instant
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 *amex platinum card*. It starts with an 80,000-point welcome bonus after spending $8,000 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 $6,000 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 … unless if you find a 90,000-point offer via personal referral links. 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.


Capital One Transfer Partners

Capital One is a relatively recent addition to the world of transferable points – and they've steadily added more partners and improved, it's become one of the best.

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. But that has changed.

Capital One has drastically improved by bumping the transfer ratios on all but two of their transfer partners up to 1:1. That means 1,000 Capital One Venture miles will almost always get you 1,000 airline miles or 1,000 hotel points.

Here's the list of options:


ProgramTypeRatioTransfer Time
Air Canada Aeroplan Airline1:1Instant
Air France/KLMAirline1:1Instant
Avianca LifeMilesAirline1:1Instant
British AirwaysAirline1:1Instant
Cathay Pacific AsiaMilesAirline1:1Up to five business days
Emirates Airline1:1Instant
EtihadAirline1:1Up to 1 day
EVA AirAirline2:1.5Up 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's the Capital One Venture Rewards Credit Card, which 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 still get a credit that covers the cost of Global Entry or TSA PreCheck – all for a card with a $95 annual fee.


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. Their hotel transfer partner options are fairly lackluster, too.

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 stranger. Just beware that those points transferred between accounts expire within 90 days.


ProgramTypeTransfer RatioTransfer Time
Air France/KLM Airline1:1Instant
Avianca LifeMilesAirline1:1Instant
Cathay PacificAirline1:112-24 hours
Etihad Airline1:1Instant
EVA AirAirline1:11-3 days
JetBlueAirline1:1* Instant
QantasAirline1:11-2 days
Qatar AirwaysAirline1:11-2 days
SingaporeAirline1:112-48 hours
Thai AirwaysAirline1:14-7 days
Turkish AirlinesAirline1:1Instant
Virgin AtlanticAirline1:1Instant
Choice HotelsHotel1:2*Instant
Wyndham RewardsHotel1:1*Instant
The Leading Hotels of the World (LHW) Hotel1:0.2TBD


Check out our full walkthrough on Citi transfer partners and how they work!


How to Earn Citi ThankYou Points

Citi ThankYou points can be earned from the Citi Strata Premier℠ Card. The Citi Strata Premier card is currently offering 75,000 Citi ThankYou points after spending $4,000 in the first three months of card membership. 

You can also earn ThankYou points with the *Citi Double Cash*, one of the best cards that doesn’t charge an annual fee. You’ll earn 2% cash back or 2x points on every dollar you spend (1x point after making the purchase, and another 1x point after paying your bill).

Finally, we think the *Citi Custom Cash* is one of the best cashback credit cards … but it can also earn you Citi ThankYou points, which will unlock a ton of value. You earn 5x points on purchases made in your top eligible spending categories each billing cycle, up to the first $500 spent. After that, you’ll earn 1x points on all other purchases. Best of all, there’s no annual fee.


Bilt Rewards Transfer Partners

Bilt Rewards is a relatively 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.

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. Otherwise, Bilt will provide you with an account and routing number to pay via ACH or Venmo, or they will send a check on your behalf and put the balance on your credit card statement.

One of the ways you can use Bilt Rewards points 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). Bilt's growing list of transfer partners rivals its competitors, boasting some of the most valuable airline and hotel programs like United Airlines, World of Hyatt, and most recently, Alaska Airlines.

At the same time, Bilt announced it's ending its partnership with American Airlines this June. Still, Bilt has been on a roll lately, and we have a feeling it's just getting started.

Read more: Bilt Rewards Overhauls Rewards Program to Earn More Points on Rent Payments

Here are the airline and hotel programs where you can currently move your Bilt points.


ProgramTypeTransfer Ratio
Aer Lingus AviosAirline1:1
Air France/KLM Flying BlueAirline1:1
Air Canada AeroplanAirline1:1
Alaska Airlines Mileage PlanAirline1:1
American Airlines AAdvantageAirline1:1
Avianca LifeMilesAirline1:1
British Airways AviosAirline1:1
Cathay Pacific Asia MilesAirline1:1
Emirates SkywardsAirline1:1
Hawaiian Airlines HawaiianMilesAirline1:1
Iberia AviosAirline1:1
Turkish Miles & SmilesAirline1:1
United MileagePlusAirline1:1
Virgin Atlantic Flying ClubAirline1:1
World of HyattHotel1:1
IHG HotelsHotel1:1
Marriott BonvoyHotel1:1
Hilton Honors Hotel1:1


Check out our guide to Bilt transfer partners for full details on how and where to transfer your points! 


How to Earn Bilt Rewards Points

It all starts with the *bilt rewards card*.

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 transaction fees. And you’ll have the ability to earn 1x point on up to $100,000 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 other purchases. Once a month, Bilt sweetens the deal with what it calls Bilt Rent Day.

One note: You must use your card at least five times each statement period to earn points.

Even if you don't have their card, Bilt members will earn a minimum of 250 Bilt Points per month by paying their rent through the Bilt Rewards app, no matter how much your monthly rent costs. Simply pay through the Bilt app and you'll receive 250 points each and every month.


Wells Fargo Transfer Partners

Gone are the days of only redeeming your Wells Fargo points for cash back, gift cards, or through the bank's travel portal. Beginning April 4, travelers with the no-annual-fee Wells Fargo Autograph Visa® Card or the new Wells Fargo Autograph Journey Visa® Card can transfer their points to these airline or hotel programs to book flights or hotels, often for far greater value. The Autograph Journey Card has been available at select Wells Fargo branches for applications but will be officially open for in-person and online applications nationwide on March 20.

If you've got one of Wells Fargo's cash rewards credit cards, you can even transfer your cashback rewards to any of these partners as long as you hold one of the Autograph cards, too. Wells Fargo will allow cardholders with either the Autograph or Autograph Journey card to transfer their Wells Fargo points to six different airline and hotel programs to book flights and hotels. The initial lineup of Wells Fargo rewards transfer partners is quite small with just five airline partners and one hotel partner to start, but the bank promised more will be added throughout the year.

Let's look at the airline and hotel partners where you'll soon be able to transfer your Wells Fargo points.

ProgramTypeTransfer RatioTransfer Time
Aer Lingus AerClubAirline1:1 Instant
Air France/KLM Flying BlueAirline1:1 Instant
Avianca LifeMilesAirline1:1 Instant
British Airways Executive ClubAirline1:1 Instant
Iberia PlusAirline1:1Unavailable
Choice PrivilegesHotel1:2 Instant


How to Earn Wells Fargo Points

None of the above will mean a thing if you don’t have any Wells Fargo points to your name. Luckily, it's easy to pile up points, especially with the welcome offer on the just-launched Wells Fargo Autograph Journey card. 

The $95-a-year Wells Fargo Autograph Journey Visa® Card is debuting with a 60,000-point bonus for new cardmembers who spend $4,000 in the first three months of opening the card. On top of the card's big welcome bonus, you'll earn an unlimited 5x points on hotels, 4x on flights, and 3x on travel and dining. That's pretty much unheard of for a card in this price range, especially compared to the 2x points you'll earn on travel purchases with the *chase sapphire preferred* or even the 3x points you'll get on airfare and hotels with the Citi Strata Premier℠ Card – two cards with identical $95 annual fees.

Then there's the no-annual-fee Wells Fargo Autograph Card, one of the best-kept secrets in the points and miles world. The Autograph card debuted in 2022 but hasn't generated much buzz as it gets largely overshadowed by travel rewards stalwarts like the *chase sapphire preferred* and the *amex gold*.

So what makes this card such a sleeper? First, you can earn a 20,000-point bonus after spending $1,000 in the first three months. Then there are the extra points you can earn in many common spending categories: The card earns 3x points at restaurants, on travel (including transit), at gas stations, and even select streaming services and phone plans. All other purchases earn a standard 1x point per dollar spent.

While you've previously only been limited to redeeming these points for cash back or travel through the Wells Fargo travel portal, come April 4, you can transfer the points you earn on this card to any of Wells Fargo's new airline and hotel transfer partners to book flights and hotels for nearly free.

Finally, like Chase and Capital One, you could pool any cash back earned from Wells Fargo's cash rewards credit cards into points to boost your points balance to transfer to airline frequent flyer programs to book your flights!


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 can make sense to transfer to airlines. Marriott goes further by adding a 5,000-mile bonus for every transfer of 60,000 Marriott points (20,000 airline miles) for select airlines. That means a transfer of 60,000 Bonvoy points nets you 25,000 airline miles.

However, a few airlines won't provide that 5,000-mile bonus. If you are transferring points to American Airlines AAdvantage, Delta SkyMiles, Avianca LifeMiles, or Korean Air Skypass, you won't get that bonus.

Unless you've got more Marriott points than you know what to do with, transferring Bonvoy points to an airline should rarely be your go-to. Plus, transferring Marriott points 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 ticket using miles.


Frequent Flyer ProgramMarriott Rewards Points to Partner Airline MilesTransfer Time
Aegean Airlines 3:13 days
Aer Lingus AerClub3:13 days
AeroMexico ClubPremier3:14 days
Air Canada Aeroplan3:14 days
Air China Phoenix Miles3:1No data
Air France/KLM Flying Blue3:13 days
Air New Zealand Airpoints™200:124 hours
Alaska Airlines Mileage Plan®3:14 days
American Airlines3:148 hours
ANA Mileage Club3:14 days
Asiana Airlines Asiana Club3:14 days
Avianca LifeMiles3:124 hours
British Airways Executive Club3:13 days
Cathay Pacific Asia Miles™3:15 days
China Southern Airlines Sky Pearl Club3:1No data
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
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
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 Flyer 3:124 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.

4 Responses

  • This would be so awesome as a printable, so that I can reference without having to constantly look back.

  • Used my Capital One Venture X points to book round trip business class from MSP to Lisbon in the fall of 2024. However, it took 5 DAYS for my points to transfer from Capital One to AirCanada (I used them to book business class on a Lufthansa/Tap combo flight). I was very anxious as I thought the 70k flights might be gone by the time I booked, but I got ’em! Thanks for the tips on how to make that happen.

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