Credit Card Transfer Partner: How to Transfer Points and Miles to Airlines and Hotels
We like TPG’s transferable credit card points and miles.
The ability to transfer your rewards to a wide range of airline and hotel loyalty programs provides valuable flexibility for your trip. When planning a trip, you do not lock in a single redemption plan. If you can’t find a seat available in one program, you can select another program before transferring any credit card points or miles. If the program devalues its currency without notice, it can switch to the next point or other program for mileage transfer.
There are dozens of different transfer possibilities, and it can be hard to remember how many options you have.
This is a convenient guide to break down which credit card points and mileage can be transferred to which airlines and hotel plans, including their respective transfer ratios. We also list the valuations for each transfer partner so you can get the best value to maximize your hard-earned points and miles.
Airline transfer partners
*You can transfer Citi thank you rewards with certain Citi cards in a 1:1 ratio – Citi prestige® card, Citigroup Elite Card (See rates and fees) and Citi Layer Premier® Card (See rates and fees). Reward with other Citi cards at a ratio of 1:0.7.
Information about Citi’s reputation has been independently collected by Goint Guy. The card details on this page have not been reviewed or provided by the card issuer.
There are some important notes about these transfer partners:
- Many transfers are instantaneous, although you should check out our guide to transfer time from American Express, Bilt, Capital One, Chase, Chase, Citi, and Wells Fargo for more details.
- American Express will depreciate Emirates Skywards Point from a 1:1 ratio to 5:4 on September 16, representing a 20% loss of value from the transfer.
- Chase will lose Emirates as a transfer partner on October 16.
- Avios can be transferred between Aer Lingus Aerclub, British Airways Club, Finnair Plus, Iberia Club and Katar Airways Privilege Club accounts in any direction at a 1:1 ratio.
- Miles in Hawaiian Milli will be transferred to Atmos rewards at a 1:1 ratio; starting October 1, all remaining Hawaiian miles will be automatically transferred to Atmos rewards.
- The program occasionally offers transfer bonuses, which we highlight in the frequently updated transfer bonus guide.
Finally, in addition to Eva Air Infinity Mileeagelands and Finnair Plus, you can transfer your Marriott Bonvoy points to all of the above airline partners, with 3 Bonvoy points to Airline 1 or miles. In addition to the following airline plans: American Airlines Aadvantage, Avianca Lifemiles and Delta Skymiles, an additional 5,000 airline points or miles per 60,000 Bonvoy points will be received every 60,000 points. Additionally, United MiLeagePlus receives a reward of 10,000 miles per 60,000 points.
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Related: Should you transfer your hotel points to your airline partner?
Hotel transfer partners
Just like the transfer to airline partners, most transfers to hotel partners are instantaneous, although you can read more in the guide we mentioned earlier to transfer time to Amex, Bilt, Capital One, Chase, Chase, Chase, Citi, Citi and Wells Fargo.
Related: Why You Should Be Mastered Some Credit Card Transfer Partners and (most likely) Put the rest
How to earn transferable points or miles
The best way to earn transferable credit card points or miles is to use the right credit card. This is your best choice.
American Express Membership Rewards
These are the most popular cards to earn US Quick Membership Rewards Points:
You can also earn AMEX points by signing up for Rakuten and tying your income preferences with membership reward points instead of cash back.
Bilt Rewards
BILT provides a credit card. BiltMastercard® (See rates and fees). Card members can earn rewards for rent payments (up to 100,000 binary points in a calendar year), as well as 2 points per dollar spent on travel (air tickets, hotels, cruises and car rentals) and 3 points per dollar spent on meals.
You need to make at least five transactions during each statement period to earn points (see Rewards and Earnings). On top of that, there is no annual fee for Bilt Mastercard (see rates and fees).
One mile in the capital
Here are the cards for the current transferable capital one mile:
Information on Capital One Spark Miles’ business card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase the ultimate reward
Here is the card to earn the ultimate reward points for a fully transferable chase:
But if you have one of these cards, you can also combine your rewards Chase FreedomFlex® (See rates and fees) and Chase for Freedom® (See Interest Rates and Fees) In one account, effectively convert these cash reserve proceeds into fully transferable final reward points.
Thank you for your return
Citi Thank you for your rewards with 21 airlines and hotel transfer partners, as well as retail partners with your way. If you have Citi’s reputation, Strata elite or Prime Minister of the Stratigraphicyou can leverage these partners with the full transfer ratio of these partners.
But, like Chase Ultimate Rewards points, you can combine Citi Thank You reward points in a single account with a selection of products. This unlocks the full transfer ratio. If you don’t hold a premium Citi card from one of the cards, you’ll get a transfer ratio of 1:0.7:
Information on Citi custom cash card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Rewards
Although Wells Fargo offers multiple credit cards, including several that earn cash rewards, you can currently only earn transferable Wells Fargo reward points with the following cards:
Related: How to choose the best credit card for you
Bottom line
There are many transfer options available in the main credit card loyalty program. Due to the flexibility of choosing where to send rewards and when to do it, transferable points and miles are often more valuable than any single airline, hotel or miles.
Bookmark this cheat sheet to know your choice when applying for the next transferable point or earning a miles of credit card or deciding on the next redemption.
Related: These apps and websites make rewards easier to find
For the rates and fees of Bilt MasterCard, click here.
For the rewards and benefits of BILT Mastercard, click here.
