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Guide to Travel Transfer Partners for Major Credit Card Programs

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Transferable points are probably the most valuable points to earn with a credit card. They give more flexibility when you redeem them for travel: unlike airline or hotel points, which can only be used with a specific airline or hotel, transferable points can be transferred to multiple airline or hotel loyalty programs. Plus, points transfer is given in addition to other standard redemption options, including booking travel directly through the issuer without transferring points to loyalty programs.

Below we are reviewing five point transfer programs from big credit card issuers: American Express Membership Rewards®, Capital One Miles, Citi ThankYou Rewards, Chase Ultimate Rewards, Bilt Rewards. Each program has its own set of participating travel partners and some of them overlap giving you extra opportunities to maximize points earning.

American Express Membership Rewards®

The Membership Rewards program allows you to earn points with eligible American Express cards. Generally, Amex cardholders will earn at least 1 point per dollar on all eligible purchases, but some cards can offer higher rewards rates on select purchases, like restaurant purchases, travel purchases, and purchases at supermarkets to name a few.

The easiest way to earn Membership Rewards points is with an Amex credit card enrolled in the Membership Rewards program. Cards can offer welcome bonuses, extra rewards in specific spending categories, and extra benefits. Plus, Amex card members can enroll in Amex Offers and refer friends to receive extra rewards.

Here are American Express credit cards that earn Membership Rewards points:

When it comes to redeeming Membership Rewards points, Amex card members can do it in several ways: pay with points at checkout, redeem for gift cards, use points like statement credits, book or upgrade travel, shop online with points, donate, or transfer points to travel partners. The last option is a firm favorite with avid travelers. The Membership Rewards program allows members to transfer points to more than 20 frequent flyer and hotel loyalty program partners.

Amex Membership Rewards Transfer Partners

Transfer PartnerTypeTransfer RatioEstimated Transfer TimeMinimum Transfer Amount
Aer LingusAirline1:148 hours1,000 points
AeroMexicoAirline1:1.648 hours1,000 points
Air Canada AeroplanAirline1:148 hours1,000 points
ANA Mileage ClubAirline1:14 days1,000 points
Cathay Pacific Asia MilesAirline1:148 hours1,000 points
Avianca LifeMilesAirline1:172 hours1,000 points
British Airways Executive ClubAirline1:148 hours1,000 points
Choice Privileges®Hotel1:148 hours1,000 points
Delta SkyMiles®Airline1:148 hours1,000 points
Emirates SkywardsAirline1:148 hours1,000 points
Etihad GuestAirline1:148 hours1,000 points
HawaiianMiles®Airline1:148 hours1,000 points
Flying BlueAirline1:148 hours1,000 points
Iberia PlusAirline1:148 hours1,000 points
JetBlue TrueBlue®Airline1.25:148 hours250 points
Qantas Frequent FlyerAirline1:148 hours500 points
Qatar Airways Privilege ClubAirline1:148 hours1,000 points
Singapore KrisFlyerAirline1:148 hours1,000 points
Virgin Atlantic Flying ClubAirline1:148 hours1,000 points
Hilton HonorsHotel1:224 hours1,000 points
Marriott Bonvoy™Hotel1:148 hours1,000 points

Capital One Miles

Capital One miles are Capital One’s travel rewards currency that can be earned with select travel rewards credit cards from Capital One. Cardholders will earn at least 1 mile per dollar on purchases made with travel cards. Plus, Capital One offers opportunities to earn increased rewards on select purchases. For example, select purchases made at Capital One Travel earn from 5X to 10X miles, depending on the card you have.

Here are Capital One travel rewards credit cards that earn miles:

Capital One miles can be used in several ways and not only towards travel. Thus, if you do not want to redeem for travel, you can get gift cards, shop with miles, redeem miles with Capital One Entertainment, or even redeem for cash back. Travel redemptions also have several options: you can redeem miles on travel-related purchases, book travel with miles though Capital One Travel, or transfer miles to more than 15 travel loyalty programs.  

Capital One Miles Transfer Partners

Transfer PartnerTypeTransfer RatioEstimated Transfer TimeMinimum Transfer Amount
Accor Live LimitlessHotel2:1Up to 24 hours1,000 Capital One miles
AeromexicoAirline1:1Instant1,000 Capital One miles
Air France KLM Flying BlueAirline1:1Instant1,000 Capital One miles
Air Canada Aeroplan®Airline1:1Instant1,000 Capital One miles
Asia MilesAirline1:1Up to 5 days1,000 Capital One miles
Avianca LifeMilesAirline1:1Instant1,000 Capital One miles
British Airways AviosAirline1:1Instant1,000 Capital One miles
Emirates SkywardsAirline1:1Instant1,000 Capital One miles
Etihad GuestAirline1:1Up to 24 hours1,000 Capital One miles
EVA Air Infinity MileageLandsAirline2:1.5Up to 36 hours1,000 Capital One miles
Finnair PlusAirline1:1Instant1,000 Capital One miles
Qantas Frequent FlyerAirline1:1Up to 24 hours1,000 Capital One miles
Singapore Airlines KrisFlyerAirline1:1Up to 36 hours1,000 Capital One miles
TAP Air Portugal Miles&GoAirline1:1Instant1,000 Capital One miles
Turkish Airlines Miles&SmilesAirline1:1Instant1,000 Capital One miles
Virgin RedAirline1:1Instant1,000 Capital One miles

Citi ThankYou® Rewards

ThankYou® Rewards is a program that lets you earn ThankYou® Points when you make purchases with eligible credit cards. ThankYou points can be combined under a single ThankYou Account, which means you can pool or share points with friends, family members or even total strangers provided they have a ThankYou account. Just keep in mind that shared points are valid for 90 days from the date they are received.

Here are eligible Citi ThankYou® Rewards credit cards:

There are various ways you can redeem ThankYou Points: from gift cards to cash, you can pay with points or share your points with other ThankYou members, or you can donate points to participating charities. However, transferring points to airline and hotel partners is probably the most interesting option, especially for frequent travelers. There are 14 airline partners and 4 hotel partners in the ThankYou Rewards program. Most transfers to participating loyalty programs are at a 1:1 ratio.

Citi ThankYou® Rewards Transfer Partners

Transfer PartnerTypeTransfer RatioEstimated Transfer TimeMinimum Transfer Amount
Avianca LifeMilesAirline1:1Instant1,000 points
AeromexicoAirline1:1Instant1,000 points
ALL – Accor Live LimitlessHotel2:1Up to 36 hours1,000 points
Cathay PacificAirline1:1Instant1,000 points
Choice Privileges®Hotel1:2 or 1:1.5*Instant1,000 points
Emirates SkywardsAirline1:1Instant1,000 points
Etihad GuestAirline1:1Instant1,000 points
EVA AirAirline1:1Up to 3 days1,000 points
Flying BlueAirline1:1Instant1,000 points
JetBlue TrueBlueAirline1:1 or 1:0.8*Instant1,000 points
Leaders ClubHotel1:0.2Up to 14 days1,000 points
Qantas Frequent FlyerAirline1:1Instant1,000 points
Qatar Privilege ClubAirline1:1Up to 2 days1,000 points
Shop Your WayRetail1:103 to 5 days1 point
Singapore AirlinesAirline1:1Up to 24 hours1,000 points
Thai Royal Orchid PlusAirline1:1Up to 7 days1,000 points
Turkish Airlines Miles&SmilesAirline1:1Up to 24 hours1,000 points
Virgin Atlantic Flying ClubAirline1:1Instant1,000 points
Wyndham Rewards®Hotel1:1 or 1:0.8*Instant1,000 points

*Transfer exchange rates vary depending on your card.

Chase Ultimate Rewards®

Chase Ultimate Rewards® is a credit card rewards program offered by Chase. The program allows consumers with eligible Chase credit cards to earn points on all everyday purchases, whether you shop at your favorite retailers, dine out with friends or travel around the world. Chase credit cards can offer a sign-up bonus, which you can earn by meeting certain spending requirements within a specified amount of time, or you can earn higher points per dollar spent in specific categories (such as gas stations, grocery stores, restaurants and more).

Here are eligible Chase cards that earn Ultimate Rewards points:

There are four main ways to redeem Ultimate Rewards points: book travel through the Chase Travel Portal, redeem for gift cards, redeem for cash back, or transfer points to a partner. To transfer points to Chase’s travel partners, log into the Chase Ultimate Rewards portal and choose the “Transfer to Travel Partners” section. There, you will see a list of airline and hotel partners to choose from. Also, you can see a full list of Chase’s travel partners below.

Chase Ultimate Rewards Transfer Partners

Transfer PartnerTypeTransfer RatioEstimated Transfer TimeMinimum Transfer Amount
Aer Lingus AerClubAirline1:1Instant1,000 Chase Ultimate Rewards points
British Airways Executive ClubAirline1:1Instant1,000 Chase Ultimate Rewards points
Emirates Skywards®Airline1:1Instant1,000 Chase Ultimate Rewards points
Air France KLM Flying BlueAirline1:1Instant1,000 Chase Ultimate Rewards points
Iberia PlusAirline1:1Instant1,000 Chase Ultimate Rewards points
JetBlue TrueBlueAirline1:1Instant1,000 Chase Ultimate Rewards points
Singapore Airlines KrisFlyer Airline1:1Instant1,000 Chase Ultimate Rewards points
Southwest Airlines Rapid Rewards®Airline1:1Instant1,000 Chase Ultimate Rewards points
United MileagePlus®Airline1:1Instant1,000 Chase Ultimate Rewards points
Virgin Atlantic Flying ClubAirline1:1Instant1,000 Chase Ultimate Rewards points
Air Canada AeroplanAirline1:1Instant1,000 Chase Ultimate Rewards points
IHG® Rewards ClubHotel1:124 hours1,000 Chase Ultimate Rewards points
Marriott Bonvoy™Hotel1:1Up to 2 days1,000 Chase Ultimate Rewards points
World of Hyatt®Hotel1:1Instant1,000 Chase Ultimate Rewards points

Bilt Rewards

Bilt Rewards is a loyalty program that lets you earn points on purchases, but more notably, you can earn Bilt points by paying your rent. You don’t have to have a Bilt credit card to earn Bilt points. You can simply become a Bilt Rewards member, link a debit or credit card to your Bilt account, and start earning points with Bilt Neighborhood Rewards or by paying your rent. However, earning can be easier with the Bilt Mastercard® credit card.

Bilt Rewards members can redeem their points in various ways: use points towards rent, save points to use them towards a down payment on a home, shop with partners, redeem points on the Bilt Travel Portal, or transfer points to Bilt loyalty partners. Bilt members can transfer Bilt points at a 1:1 rate to all Bilt travel partners. Below are the loyalty programs you can transfer Bilt points to using the Bilt app.  

Bilt Loyalty Partners

Transfer PartnerTypeTransfer RatioEstimated Transfer TimeMinimum Transfer Amount
Alaska® AirlinesAirline1:1Up to 72 hours1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
American Airlines AAdvantageAirline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
FlyingBlue®Airline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Cathay PacificAirline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Air Canada Aeroplan®Airline1:1Within 24 hours1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
United MileagePlus®Airline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Virgin Atlantic FlyingClubAirline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
IHG® Hotels & ResortsHotel1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Avianca LifeMilesAirline1:1Up to 72 hours1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Turkish Airlines Miles&SmilesAirline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
IberiaAirline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
British AirwaysAirline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Aer Lingus AerClubAirline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
World of Hyatt®Hotel1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Marriott Bonvoy™Hotel1:1Within 48 hours1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Emirates Skywards®Airline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Hawaiian Airlines®Airline1:1Within minutes1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)
Hilton HonorsHotel1:1Within 24 hours1,000 Bilt Points (2,000 Bilt Points for members with Blue Status)

Bottom line

Travel enthusiasts love point transfers as they have the potential to increase the value of earned points. When you master all ins and outs of credit card point transfers, you will see more opportunities to earn points or miles and can get more flexibility when redeeming them.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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