5 Best Transferable Points Currencies and Who They Partner With

Through partnerships, you can turn your credit card points into hotel points or airline miles.

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For many people, banking miles and points in a transferable currency is a way to protect yourself against devaluations from hotel or airline rewards programs. If you have transferable points, then you have more flexibility in where you can use your points. For example, if you want to book an award ticket on United and you have American Express Membership Rewards points, you could transfer those points to Air Canada, ANA, Avianca or Singapore Airlines because all these airlines are part of Star Alliance.

If you’re confused, we’ve compiled a list of all the major transferable points currencies and which airlines and hotels the programs partner with. Which program you want to use will depend on a variety of factors, including how much of each currency you have available.

AmEx Membership Rewards transfer partners

American Express has 18 airline and three hotel transfer partners.


AmEx Membership Rewards points transfer at a 1:1 ratio to 16 of the airlines, generally with a 1,000-point minimum:

The other two airlines have different transfer ratios:

  • Aeromexico Club Premier: 1,000 Membership Rewards = 1,600 Club Premier points.

  • JetBlue TrueBlue: 250 Membership Rewards = 200 TrueBlue points.


American Express also has three hotel transfer partners. The transfer ratio varies by program:

Capital One transfer partners

Capital One has more than a dozen hotel and airline transfer partners.


As of Oct. 7, 2021, points transfer to most airlines at a 1:1 ratios unless stated otherwise:

  • Aeromexico Club Premier.

  • Air Canada Aeroplan.

  • Air France/KLM Flying Blue.

  • Avianca Lifemiles.

  • British Airways Avios.

  • Cathay Pacific Asia Miles.

  • Emirates Skywards.

  • Etihad Guest.

  • EVA Air Infinity MileageLands: 2:1.5.

  • Finnair Plus.

  • Qantas Frequent Flyer.

  • Singapore Airlines KrisFlyer.


Capital One has the following transfer ratios to its hotel partners:

Chase Ultimate Rewards transfer partners

Chase Ultimate Rewards® has 14 partners with the recent addition of Air Canada. You can transfer Ultimate Rewards® points to 11 airlines and three hotels at a 1:1 ratio:



And here are the three hotel partners that Chase Ultimate Rewards® points transfer to:

Citi ThankYou Points transfer partners

Citi ThankYou Rewards has over 15 partners thanks to the temporary addition of American Airlines (until Nov. 13, 2021), and Sears. ThankYou points transfer to most airline partners at a 1:1 ratio, with a 1,000-point transfer minimum.



  • Choice Hotels.

Sears transfer partner: Citi ThankYou points can also be transferred to Sears Shop Your Way loyalty program at a 1:10 ratio.

Only holders of the Citi Chairman American Express Card, Citi Prestige® Card and Citi Premier® Card can transfer ThankYou points to all the partners listed above. Cardholders of the Citi ThankYou® Preferred, Citi Rewards+® Card or Citi® Double Cash Card – 18 month BT offer can only transfer ThankYou points to JetBlue.

Marriott Bonvoy transfer partners

Marriott Bonvoy is a hotel loyalty program, but it also offers the ability to transfer Bonvoy points to 40 airline partners. Points transfer 3:1 to almost all of the airline partners, with a 5,000 point bonus if you transfer 60,000 Bonvoy points. (In other words, transferring 60,000 Bonvoy points gets you 25,000 airline miles.)


  • Aegean Miles+Bonus.

  • Aer Lingus AerClub Avios.

  • Aeroflot Bonus.

  • Aeromexico ClubPremier.

  • Air Canada Aeroplan.

  • Air France/KLM Flying Blue.

  • Alitalia MilleMiglia.

  • American Airlines AAdvantage.

  • ANA Mileage Club.

  • Asiana Airlines Asiana Club.

  • Avianca LifeMiles.

  • British Airways Executive Club.

  • Cathay Pacific Asia Miles.

  • Delta SkyMiles.

  • Emirates Skywards.

  • Etihad Guest.

  • Hainan Airlines Fortune Wings Club.

  • Hawaiian Airlines HawaiianMiles.

  • Iberia Plus.

  • Japan Airlines JAL Mileage Bank.

  • Jet Airways Intermiles.

  • Qantas Frequent Flyer.

  • Qatar Airways Privilege Club.

  • Saudia Arabian Airlines Alfursan.

  • Singapore Airlines KrisFlyer.

  • Southwest Rapid Rewards.

  • TAP Air Portugal Miles & Go.

  • Thai Airways Royal Orchid Plus.

  • Turkish Airlines Miles & Smiles.

  • Virgin Atlantic Flying Club.

  • Virgin Australia Velocity Frequent Flyer.

  • Vueling Club.

There are two Marriott Bonvoy airline partners that don’t transfer at the 3:1 ratio:

  • Air New Zealand Airpoints (200:1).

  • United MileagePlus (1:1.1).

The bottom line

These five transferrable point programs offer excellent opportunities to earn points in currency that offers ultimate flexibility. Deciding which program to earn points with depends on which airlines award space you want access to. With so many options, you truly can’t go wrong.

The information related to Citi Prestige® Card and Citi ThankYou® Preferred Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:

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