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 · 1 min read
Profile photo of Meghan Coyle
Written by Meghan Coyle
Editor & Content Strategist
Profile photo of Claire Tsosie
Edited by Claire Tsosie
Managing Editor

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.

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

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.

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.

British Airways Executive Club

1:1.

1:1.

1:1.

N/A.

1:1.

Cathay Pacific Asia Miles

N/A.

1:1.

1:1.

1:1.

1:1.

Emirates Skywards

1:1.

1:1.

1:1.

1:1.

1:1.

Etihad Guest

N/A.

1:1.

1:1.

1:1.

N/A.

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.

Hawaiian Airlines

N/A.

1:1.

N/A.

N/A.

N/A.

Iberia Plus

1:1.

1:1.

N/A.

N/A.

1:1.

JetBlue TrueBlue

1:1.

2.5:2.

5:3.

1:1.

N/A.

Qantas Frequent Flyer

N/A.

1:1.

1:1.

1:1.

N/A.

Qatar Airways Privilege Club

N/A.

1:1.

N/A.

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.

N/A.

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 the Citi Strata Premier℠ Card, Citi Premier® Card (no longer open to new applicants) and the AT&T Access More Card. Skip down to the Citi transfer partners section to learn more.

1. AmEx transfer partners

American Express Membership Rewards transfer partners include 18 airlines and three hotels.

Airlines

  • Aer Lingus (1:1 ratio).

  • AeroMexico (1:1.6 ratio).

  • Air Canada. (1:1 ratio).

  • Air France/KLM (1:1 ratio).

  • ANA (1:1 ratio).

  • Avianca (1:1 ratio).

  • British Airways (1:1 ratio).

  • Cathay Pacific (1:1 ratio)

  • Delta Air Lines (1:1 ratio).

  • Emirates (1:1 ratio).

  • Etihad Airways (1:1 ratio).

  • Hawaiian Airlines (1:1 ratio).

  • Iberia Plus (1:1 ratio).

  • JetBlue Airways (2.5:2 ratio).

  • Qantas (1:1 ratio).

  • Qatar Airways (1:1 ratio).

  • Singapore Airlines (1:1 ratio).

  • Virgin Atlantic Airways (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.

2. Capital One transfer partners

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

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).

  • JetBlue (5:3 ratio).

  • Qantas (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).

  • Wyndham Rewards (1:1 ratio).

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.

Airlines

  • Aer Lingus (1:1 ratio).

  • Air Canada (1:1 ratio).

  • Air France-KLM (1:1 ratio).

  • British Airways (1:1 ratio).

  • Emirates (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).

  • InterContinental Hotels Group (1:1 ratio).

  • Marriott (1:1 ratio).

4. Citi transfer partners

Citi ThankYou Rewards has nearly 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.

Airlines

  • Aeromexico (1:1 ratio).

  • Air France/KLM (1:1 ratio).

  • Asia Miles (1:1 ratio).

  • Avianca (1:1 ratio).

  • Emirates (1:1 ratio).

  • Etihad (1:1 ratio).

  • Eva Air (1:1 ratio).

  • JetBlue (1:1 or 1:0.8 ratio, depending on which card you have).

  • Qantas (1:1 ratio).

  • Qatar Airways (1:1 ratio).

  • Singapore Airlines (1:1 ratio).

  • Thai Airways (1:1 ratio).

  • Turkish Airlines (1:1 ratio).

  • Virgin Atlantic (1:1 ratio).

Hotels

  • Accor Live Limitless (2:1 ratio).

  • Choice Hotels (1:2 or 1:1.5 ratio, depending on which card you have).

  • The Leading Hotels of the World (5:1 ratio).

  • Preferred Hotels & Resorts (1:4 ratio).

  • Wyndham (1:1 ratio or 1:0.8 ratio, depending on which card you have).

Events

  • Virgin Red (1:1 ratio).

Update: Beginning July 27, 2025, Citi is reducing transfer ratios for some transfer partners:

On the Citi Strata Premier℠ Card, Citi Prestige® Card and AT&T Access More Card from Citi, 1 ThankYou Point will be worth 0.8 Emirates Skywards mile when transferred to Emirates' loyalty program. (Currently, 1 ThankYou Point is worth 1 Emirates mile.)

On no-annual-fee cards like the Citi Rewards+® Card, Citi Double Cash® Card, and AT&T Points Plus Card, transfer ratios will also be lowered for JetBlue TrueBlue, Wyndham Rewards and Choice Privileges Rewards.

Only holders of the Citi Chairman American Express Card, Citi Prestige® Card (no longer open to new applicants) and Citi Strata Premier℠ Card can transfer ThankYou points to all the airline partners listed above. Cardholders of the Citi ThankYou® Preferred, Citi Rewards+® Card or Citi Double Cash® Card can only transfer ThankYou points to JetBlue.

Citi's partnership with Choice Hotels is notable as it gives Citi Strata Premier℠ Card holders a 1:2 ratio and Citi ThankYou® Preferred, Citi Rewards+® Card and Citi Double Cash® Card holders a 1:1.5 ratio.

Additionally, Citi Strata Premier℠ Card holders can transfer to Wyndham Rewards at a 1:1 ratio, while Citi ThankYou® Preferred, Citi Rewards+® Card and Citi Double Cash® Card holders can transfer at a 1:0.8 ratio.

Update: Beginning July 27, 2025, Citi is reducing transfer ratios for some transfer partners:

On the Citi Strata Premier℠ Card, Citi Prestige® Card and AT&T Access More Card from Citi, 1 ThankYou Point will be worth 0.8 Emirates Skywards mile when transferred to Emirates' loyalty program. (Currently, 1 ThankYou Point is worth 1 Emirates mile.)

On no-annual-fee cards like the Citi Rewards+® Card, Citi Double Cash® Card, and AT&T Points Plus Card, transfer ratios will also be lowered for JetBlue TrueBlue, Wyndham Rewards and Choice Privileges Rewards.

5. Bilt Rewards

Bilt Rewards transfers to 14 airlines and five hotels.

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, Avianca or Korean Air.

Airlines

  • 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.

  • United MileagePlus.

  • Virgin Atlantic Flying Club.

  • Virgin Australia Velocity Frequent Flyer.

  • Vueling Club.

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

  • Air New Zealand Airpoints (200:1).

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.


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