5 Best Credit Card Points Programs and Who They Partner With

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

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Updated Nov 21, 2025 6:50 a.m. PST · 1 min read

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Earning credit card points that can be transferred to airline and hotel loyalty programs gives travelers more choices and the potential to redeem their points at a higher value than they would get by redeeming them in the credit card issuer's travel portal.

The best transferable points currencies can be earned by spending on certain credit cards issued by American Express, Capital One, Chase or Citi, or earning points on rent payments and credit card purchases with Bilt Rewards.

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Credit card transfer partners chart

Credit card transfer partners chart
- Airline transfer partners
- Hotel transfer partners
1. AmEx transfer partners
2. Capital One transfer partners
3. Chase transfer partners
4. Citi transfer partners
5. Bilt Rewards
Bonus: Marriott partners

Here are the credit card points and transfer partners you need to know.

» Learn more: AmEx points vs. Chase points

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Credit card transfer partners chart

Here's a quick overview of airlines and hotels that are credit card travel partners and their transfer ratios. A 1:1 ratio means that if you transfer 1,000 credit card points, you'll receive 1,000 points in that airline or hotel's loyalty program. A transfer ratio in bold indicates an exclusive transfer partner, meaning only one of these five credit card programs transfers to this partner.

Airline transfer partners

Airline program	Chase Ultimate Rewards®	American Express Membership Rewards	Capital One miles	Citi ThankYou Points*	Bilt Rewards
Aer Lingus AerClub	1:1.	1:1.	N/A.	N/A.	1:1.
Aeromexico Rewards	N/A.	1:1.6.	1:1.	1:1.	N/A.
Air Canada Aeroplan	1:1.	1:1.	1:1.	N/A.	1:1.
American AAdvantage	N/A.	N/A.	N/A.	1:1.	N/A.
Atmos Rewards (Alaska Airlines)	N/A.	N/A.	N/A.	N/A.	1:1.
ANA Mileage Club	N/A.	1:1.	N/A.	N/A.	N/A.
Avianca Lifemiles	N/A.	1:1.	1:1.	1:1.	1:1.
The British Airways Club	1:1.	1:1.	1:1.	N/A.	1:1.
Airline program	Chase Ultimate Rewards®	American Express Membership Rewards	Capital One miles	Citi ThankYou Points*	Bilt Rewards
Cathay Pacific Asia Miles	N/A.	1:1.	1:1.	1:1.	1:1.
Delta SkyMiles	N/A.	1:1.	N/A.	N/A.	N/A.
Emirates Skywards	1:1.	1:1.	1:1.	1:0.8.	1:1.
Etihad Guest	N/A.	1:1.	1:1.	1:1.	1:1.
EVA Air Infinity MileageLands	N/A.	N/A.	2:1.5.	1:1.	N/A.
Finnair Plus	N/A.	N/A.	1:1.	N/A.	N/A.
Air France / KLM Flying Blue	1:1.	1:1.	1:1.	1:1.	1:1.
Iberia Plus	1:1.	1:1.	N/A.	N/A.	1:1.
JAL Mileage Bank	N/A.	N/A.	2:1.5.	N/A.	1:1.
JetBlue TrueBlue	1:1.	2.5:2.	5:3.	1:1.	N/A.
Airline program	Chase Ultimate Rewards®	American Express Membership Rewards	Capital One miles	Citi ThankYou Points*	Bilt Rewards
Qantas Frequent Flyer	N/A.	1:1.	1:1.	1:1.	N/A.
Qatar Airways Privilege Club	N/A.	1:1.	1:1.	1:1.	N/A.
Singapore Airlines KrisFlyer	1:1.	1:1.	1:1.	1:1.	N/A.
Southwest Airlines Rapid Rewards	1:1.	N/A.	N/A.	N/A.	1:1.
TAP Miles&Go	N/A.	N/A.	1:1.	N/A.	1:1.
Thai Royal Orchid Plus	N/A.	N/A.	N/A.	1:1.	N/A.
Turkish Airlines Miles&Smiles	N/A.	N/A.	1:1.	1:1.	1:1.
United MileagePlus	1:1.	N/A.	N/A.	N/A.	1:1.
Virgin Atlantic Flying Club/Virgin Red	1:1.	1:1.	1:1.	1:1.	1:1.

Hotel transfer partners

Hotel program	Chase Ultimate Rewards®	American Express Membership Rewards	Capital One miles	Citi ThankYou Points*	Bilt Rewards
Accor Live Limitless	N/A.	N/A.	2:1.	2:1.	3:2.
Choice Privileges Program	N/A.	1:1.	1:1.	1:2.	N/A.
Hilton Honors	N/A.	1:2.	N/A.	N/A.	1:1.
IHG One Rewards Club	1:1.	N/A.	N/A.	N/A.	1:1.
The Leading Hotels of the World Leaders Club	N/A.	N/A.	N/A.	5:1.	N/A.
Marriott Bonvoy	1:1.	1:1.	N/A.	N/A.	1:1.
Preferred Hotels & Resorts' I Prefer Hotel Rewards	N/A.	N/A.	1:2.	1:4.	N/A.
World of Hyatt	1:1.	N/A.	N/A.	N/A.	1:1.
Wyndham Rewards	N/A.	N/A.	1:1.	1:1.	N/A.

*Note: The transfer ratios of Citi ThankYou points vary by the card you have. The values in these tables reflect the transfer ratios of Citi cards that offer a higher ratio, such as the Citi Strata Premier® Card and Citi Strata Elite℠ Card. Skip down to the Citi transfer partners section to learn more.

1. AmEx transfer partners

American Express Membership Rewards transfer partners include 17 airlines and three hotels.

Full list of AmEx transfer partners

Airlines

Aer Lingus AerClub (1:1 ratio).
AeroMexico Club Premier (1:1.6 ratio).
Air Canada Aeroplan (1:1 ratio).
Air France/KLM Flying Blue (1:1 ratio).
ANA Mileage Club (1:1 ratio).
Avianca LifeMiles (1:1 ratio).
British Airways Executive Club (1:1 ratio).
Cathay Pacific Asia Miles(1:1 ratio)
Delta SkyMiles (1:1 ratio).
Emirates Skywards (1:1 ratio).
Etihad Guest (1:1 ratio).
Iberia Plus (1:1 ratio).
JetBlue TrueBlue (2.5:2 ratio).
Qantas Airways Frequent Flyer(1:1 ratio).
Singapore Airlines KrisFlyer (1:1 ratio).
Virgin Atlantic Flying Club (1:1 ratio).

Hotels

Choice Hotels (1:1 ratio).
Hilton Hotels & Resorts (1:2 ratio).
Marriott Hotels & Resorts (1:1 ratio).

For details on transfer ratios, see AmEx's website.

» Learn more: The best AmEx transfer partners — and those to avoid

2. Capital One transfer partners

Capital One Miles transfer partners include more than a dozen hotel and airlines.

Full list of Capital One transfer partners

Airlines

Aeromexico (1:1 ratio).
Air Canada (1:1 ratio).
Air France-KLM (1:1 ratio).
Avianca (1:1 ratio).
British Airways (1:1 ratio).
Cathay Pacific (1:1 ratio).
Emirates (1:1 ratio).
Etihad (1:1 ratio).
EVA (2:1.5 ratio).
Finnair (1:1 ratio).
Japan Airlines (2:1.5 ratio).
JetBlue (5:3 ratio).
Qantas (1:1 ratio).
Qatar Airways (1:1 ratio).
Singapore Airlines (1:1 ratio).
TAP Air Portugal (1:1 ratio).
Turkish Airlines (1:1 ratio).
Virgin Red (1:1 ratio).

Hotels

Accor (2:1 ratio).
Choice Privileges Hotels (1:1 ratio).
I Prefer Hotel Rewards (1:2 ratio).
Wyndham Rewards (1:1 ratio).

» Learn more: The best and worst Capital One transfer partners

3. Chase transfer partners

Chase Ultimate Rewards® has 14 transfer partners. You can transfer Ultimate Rewards® points to 11 airlines and three hotels at a 1:1 ratio.

Full list of Chase transfer partners

Airlines

Aer Lingus (1:1 ratio).
Air Canada (1:1 ratio).
Air France-KLM (1:1 ratio).
British Airways (1:1 ratio).
Iberia (1:1 ratio).
JetBlue (1:1 ratio).
Singapore (1:1 ratio).
Southwest (1:1 ratio).
United (1:1 ratio).
Virgin Atlantic (1:1 ratio).

Hotels

Hyatt (1:1 ratio).
IHG (1:1 ratio).
Marriott (1:1 ratio).

» Learn more: The best Chase transfer partners

4. Citi transfer partners

Citi ThankYou Rewards has more than 20 hotel, airline and retail transfer partners. ThankYou points transfer to most airline partners at a 1:1 ratio, with a 1,000-point transfer minimum, and at variable rates for retail and hotel partners.

Full list of Citi transfer partners

Transfer ratios will vary depending on which card you have.

Airlines

Aeromexico (1:1 or 1:0.7 ratio).
American Airlines (1:1 or 1:0.7 ratio).
Air France/KLM (1:1 or 1:0.7 ratio).
Asia Miles (1:1 or 1:0.7 ratio).
Avianca (1:1 or 1:0.7 ratio).
Emirates (1:0.8 or 1:0.56 ratio).
Etihad (1:1 or 1:0.7 ratio).
Eva Air (1:1 or 1:0.7 ratio).
JetBlue (1:1 or 1:0.7 ratio).
Qantas (1:1 or 1:0.7 ratio).
Qatar Airways (1:1 or 1:0.7 ratio).
Singapore Airlines (1:1 or 1:0.7 ratio).
Thai Airways (1:1 or 1:0.7 ratio).
Turkish Airlines (1:1 or 1:0.7 ratio).
Virgin Atlantic (1:1 or 1:0.7 ratio).

Hotels

Accor Live Limitless (2:1 or 2:0.7 ratio).
Choice Hotels (1:2 or 1:1.4 ratio).
The Leading Hotels of the World (5:1 or 5:0.7 ratio).
Preferred Hotels & Resorts (1:4 or 1:2.8 ratio).
Wyndham (1:1 or 1:0.7 ratio).

Events

Virgin Red (1:1 or 1:0.7 ratio).

Citi's partnership with Choice Hotels is notable as it gives Citi Strata Elite℠ Card and Citi Strata Premier® Card holders a 1:2 ratio, while most other card holders get a 1:1.4 ratio.

» Learn more: The best Citi ThankYou partners

5. Bilt Rewards

Bilt Rewards transfers to 17 airlines and five hotels.

Complete list of Bilt transfer partners

Bonus: Marriott partners

Marriott Bonvoy is a hotel loyalty program, but it also offers the ability to transfer Bonvoy points to nearly 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. Note that this transfer bonus does not apply to American, Delta or Avianca.

Airlines

Aegean Miles+Bonus.
Aer Lingus AerClub Avios.
Aeromexico Rewards.
Air Canada Aeroplan.
Air China PhoenixMiles.
Air New Zealand AirPoint.
Alaska Airlines/Hawaiian Airlines Atmos Rewards.
American Airlines AAdvantage.
ANA Mileage Club.
Avianca LifeMiles.
British Airways Club.
Cathay Pacific Asia Miles.
Copa Airlines ConnectMiles.
Delta SkyMiles.
Emirates Skywards.
Etihad Guest.
Frontier Airlines Miles.
Hainan Airlines Fortune Wings Club.
Iberia Plus.
InterMiles.
Japan Airlines JAL Mileage Bank.
LATAM Airlines LATAM Pass.
Qantas Frequent Flyer.
Qatar Airways Privilege Club.
Saudia Alfursan.
Singapore Airlines KrisFlyer.
Southwest Rapid Rewards.
TAP Air Portugal Miles & Go.
Thai Airways Royal Orchid Plus.
Turkish Airlines Miles & Smiles.
United MileagePlus.
Virgin Atlantic Flying Club.
Virgin Australia Velocity Frequent Flyer.
Vueling Club.

There is one Marriott Bonvoy airline partner that doesn’t transfer at the 3:1 ratio:

Air New Zealand Airpoints (200:1).

» Learn more: The best and worst Marriott transfer partners

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2025:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph® Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: American Express Platinum Card®
Business travelers: Ink Business Preferred® Credit Card

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