SOME CARD INFO MAY BE OUTDATED
This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.
If you’re serious about traveling more for less, a great place to start is by earning transferable points or miles — such as Chase Ultimate Rewards®, Capital One Miles, Bilt Rewards, Citi ThankYou Points and AmEx Membership Rewards. Credit cards that earn these rewards allow you to transfer them to a list of partner airlines or hotel programs, often at a 1:1 ratio.
Occasionally, credit card issuers and their travel partners offer transfer bonuses, allowing you to get even more value from your points. For example, if your points transfer to an airline at a 1:1 ratio, and that airline is offering a 25% transfer bonus, transferring 100,000 points to that airline would net you 125,000 airline miles. That means you can transfer fewer miles to book the same award flight.
By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.
Current credit card transfer bonuses
A summary of current transfer bonuses offered by the major transferable point programs includes:
| Transfer from | Transfer to | Transfer bonus | Start date | End date |
|---|---|---|---|---|
| Capital One Miles | Preferred Hotels & Resorts I Prefer. | 30%. | March 1, 2026. | March 31, 2026. |
| Chase Ultimate Rewards® | British Airways Avios. | 20%. | March 1, 2026. | March 31, 2026. |
| Chase Ultimate Rewards® | Iberia Avios. | 20%. | March 1, 2026. | March 31, 2026. |
| Chase Ultimate Rewards® | Aer Lingus Avios. | 20%. | March 1, 2026. | March 31, 2026. |
| Chase Ultimate Rewards® | Wyndham Rewards. | 30%. | March 5, 2026. | March 31, 2026. |
| Citi ThankYou Points | Wyndham Rewards. | 25%. | Feb. 22, 2026. | March 21, 2026. |
| AmEx Membership Rewards | Avianca Lifemiles. | 15%. | Feb. 18, 2026. | March 28. 2026. |
When should you transfer points?
You should generally only transfer rewards to airline and hotel partners if you have a specific redemption in mind. Once the rewards are transferred, it can’t be undone. Those rewards are subject to the restrictions of the individual loyalty program, which may include expiration dates or loyalty program devaluations. If you decide to take advantage of a transfer bonus without immediate travel plans, be sure to understand those restrictions before you transfer.
Using an award search tool like PointsYeah can help you find redemption options for the transferable points you’re trying to redeem. You can even filter results to only include transferable points with a current transfer bonus.
Transfer bonus history by issuer
American Express
American Express Membership Rewards can be transferred to 18 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 Club (1:1 ratio).
- Cathay Pacific Asia Miles (5:4 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.
AmEx has more airline and hotel partners than Chase, Citi and Capital One. In addition, AmEx has typically offered more transfer bonuses than these other programs.
AmEx transfer bonus history
| AmEx transfer partner | Bonus end date and bonus percentage |
|---|---|
| Aer Lingus Aer Club |
|
| Aeromexico Club Premier |
|
| Air Canada Aeroplan |
|
| Air France-KLM Flying Blue |
|
| Avianca LifeMiles |
|
| British Airways Executive Club |
|
| Cathay Pacific Asia Miles |
|
| Choice Privileges |
|
| Emirates Skywards |
|
| Etihad Guest |
|
| Hawaiian Airlines HawaiianMiles |
|
| Hilton Honors |
|
| Iberia Plus |
|
| JetBlue TrueBlue |
|
| Marriott Bonvoy |
|
| Qantas Frequent Flyer |
|
| Qatar Airways Privilege Club |
|
| Singapore KrisFlyer |
|
| Virgin Atlantic Flying Club |
|
You’ll need a card that earns AmEx Membership Rewards to take advantage of an AmEx transfer bonus. Here are some of our favorites.
Cards that earn AmEx Membership Rewards
Annual fee
$895.
$325.
$895.
$0.
Rewards
• 5 points per $1 on flights booked directly with airlines or through American Express, on up to $500,000 spent per year.
• 5 points per $1 on prepaid hotels booked through American Express.
• 1 point per $1 on other eligible purchases.
Terms apply.
• 4 points per $1 at restaurants worldwide (on up to $50,000 in purchases per year).
• 4 points per $1 at U.S. supermarkets (on up to $25,000 in purchases per year).
• 3 points per $1 on flights booked directly with airlines or through American Express' travel portal.
• 2 points per $1 on prepaid hotels and other eligible purchases made through American Express' travel portal.
• 1 point per $1 on other eligible purchases.
Terms apply.
• 5 points per $1 on flights and prepaid hotels at AmexTravel.com.
• 2 points per $1 in key business categories and eligible purchases of $5,000 or more (on up to $2,000,000 in purchases per year).
• 1 point per $1 on other eligible purchases.
Terms apply.
• 2 points per $1 on the first $50,000 in purchases each calendar year.
• 1 point per $1 on purchases above $50,000 in a calendar year.
Terms apply.
Welcome offer
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. Terms apply.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
Learn more
Chase
Chase Ultimate Rewards® points can be transferred to 11 airlines and three hotels.
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).
- Wyndham (1:1 ratio).
Chase transfer bonus history
| Chase transfer partner | Bonus end date and bonus percentage |
|---|---|
| Aer Lingus |
|
| Air Canada Aeroplan |
|
| Air France-KLM Flying Blue |
|
| British Airways Executive Club |
|
| Iberia Plus |
|
| IHG One Rewards |
|
| JetBlue TrueBlue |
|
| Marriott Bonvoy |
|
| Southwest |
|
| Virgin Atlantic |
|
You’ll need a card that earns Chase Ultimate Rewards® points to take advantage of a Chase transfer bonus. Here are a few of our favorites.
Cards that earn Chase Ultimate Rewards®
Annual fee
$95.
$795.
$0.
$0.
Rewards
• 5x points on all Chase Travel℠ purchases (exclusions apply).
• 5x on Lyft rides and Peloton equipment (for a limited time; terms apply).
• 2x points on all other travel.
• 3x points on dining, takeout and eligible delivery worldwide.
• 3x points for online grocery purchases (exclusions apply).
• 3x points on some streaming services.
• 1x point on all other purchases.
• 8 points per $1 spent on all travel booked through Chase.
• 4 points per $1 spent on bookings directly through an airline or hotel.
• 3 points per $1 spent on dining, takeout and eligible delivery worldwide.
• 1 point per $1 spent on all other purchases.
• 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Point value in the travel portal: 1 cent apiece.
• 5% cash back on up to $1,500 in combined purchases in quarterly categories. Activation required.
Point value in Chase travel portal: 1 cent apiece.
New cardholder bonus offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Learn more
» Learn more: What Is the 'Chase Trifecta'?
Citi
Citi ThankYou is partnered with 15 airlines, five hotels and Shop Your Way.
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 transfer bonus history
| Citi transfer partner | Bonus end date and bonus percentage |
|---|---|
| Accor Live Limitless |
|
| Air France-KLM Flying Blue |
|
| Avianca LifeMiles |
|
| Cathay Pacific Asia Miles |
|
| Etihad Guest |
|
| JetBlue TrueBlue |
|
| Leading Hotels of the World. |
|
| Qantas Frequent Flyer |
|
| Qatar Airways Privilege Club |
|
| Turkish Airlines Miles & Smiles |
|
| Virgin Atlantic Flying Club |
|
| Wyndham Rewards |
|
If you want to take advantage of Citi’s transfer partners, you’ll need to get a credit card from Citi that earns ThankYou points. Unfortunately, not all ThankYou point earning cards give you access to all the transfer partners, and the ratio you can transfer points at differs depending on the card you hold.
That's especially true when it comes to American Airlines, one of Citi's most valuable transfer partners. If you want to be able to transfer ThankYou points to AAdvantage miles, make sure you have an eligible card.
For example, a card like the Citi Strata Premier® Card ($95 annual fee) will grant you access to all the transfer partners. In addition, holders this card unlocks access to more favorable transfer ratios for certain transfer partners.
Capital One
Capital One has 18 airlines and four hotel transfer partners.
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).
Capital One transfer bonus history
| Capital One transfer partner | Bonus end date and bonus percentage |
|---|---|
| Accor Live Limitless |
|
| Aeromexico Club Premier |
|
| Air France-KLM Flying Blue |
|
| Avianca LifeMiles |
|
| British Airways Executive Club |
|
| Cathay Pacific Asia Miles |
|
| Emirates Skywards |
|
| Etihad Guest |
|
| Japan Airlines Mileage Bank |
|
| JetBlue TrueBlue |
|
| Qantas Frequent Flyer |
|
| TAP Air Portugal Miles & Go |
|
| Virgin Red |
|
| Wyndham Rewards |
|
Here's a selection of popular credit cards that earn Capital One miles.
Cards that earn Capital One miles
Annual fee
$395.
$95.
$0.
$0 intro for the first year, then $95.
Earn rate
• 10 miles per $1 on hotels and rental cars through Capital One Travel.
• 5 miles per $1 on flights and vacation rentals through Capital One Travel.
• 2 miles per $1 on everything else.
• 5 miles per $1 on hotels, vacation rentals and rental cars booked through Capital One Travel.
• 2 miles per $1 on all other purchases.
• 5 miles per $1 on hotels, vacation rentals and car rentals booked through Capital One Travel.
• 1.25 miles per $1 on all purchases.
• 5 miles per $1 on hotels, vacation rentals and rental cars through Capital One Travel.
• 2 miles per $1 on everything else.
Welcome offer
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
Earn a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Still not sure?
Bilt Rewards
Bilt Rewards is one of the newer rewards programs with transfer partners and is geared towards renters who want to pay rent using a credit card. Bilt Rewards points can be transferred to over 20 hotel and airline loyalty programs.
Complete list of Bilt transfer partners
- British Airways Club (Avios).
The best transfer value for Bilt Rewards comes during Bilt's Rent Day promotions, which offer high transfer bonuses for just one day. For example, Bilt offered a 100% transfer bonus to Air-France KLM Flying Blue in 2023. The offers are often based on your Bilt Rewards status, with higher status tiers often receiving better transfer bonus offers. Check the Bilt app on the first of every month for any transfer bonuses.
Bilt Rewards transfer bonus history
| Bilt Rewards transfer partner | Bonus end date and bonus percentage |
|---|---|
| Aer Lingus Avios |
|
| Accor Live Limitless |
|
| Air France-KLM Flying Blue |
|
| Alaska MileagePlan |
|
| Avianca LifeMiles |
|
| British Airways Avios |
|
| Cathay Pacific Asia Miles |
|
| Emirates Skywards |
|
| Hawaiian Airlines |
|
| Hilton Honors |
|
| Iberia Avios |
|
| IHG One Rewards |
|
| Japan Airlines Mileage Bank |
|
| Southwest Rapid Rewards |
|
| Virgin Atlantic Flying Club |
|
» Learn more: The guide to Bilt transfer partners
To view rates and fees of the American Express Platinum Card®, see this page.
To view rates and fees of the American Express® Gold Card, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page.
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 2026:
- 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
Explore more on
Article sources
NerdWallet writers are subject matter authorities who use primary,
trustworthy sources to inform their work, including peer-reviewed
studies, government websites, academic research and interviews with
industry experts. All content is fact-checked for accuracy, timeliness
and relevance. You can learn more about NerdWallet's high
standards for journalism by reading our
editorial guidelines.
