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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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.
» Learn more: AmEx points vs. Chase points
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.
» 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.
» 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.
» Learn more: The best Chase transfer partners
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.
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.
» Learn more: The best Citi ThankYou partners
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).
» Learn more: The best and worst Marriott transfer partners
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 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: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card