Credit Card Transfer Partners (2026)
Six bank currencies move points to airline and hotel partners: Chase, Capital One, Bilt, Citi, Wells Fargo and Amex. Chase has 14 partners, Capital One 22, Citi 21, Wells Fargo 10 and Amex 19. Bilt has about two dozen, including Hyatt, United and Southwest. Most ratios are 1:1, with exceptions flagged below. Lists are as of October 2026.
Partner lists and ratios as of October 2026. Issuers change them without notice, so confirm the ratio on the transfer screen before you move points.
Live transfer bonuses
| Route | Bonus | Ends | Details |
|---|---|---|---|
| Chase Ultimate Rewards → Marriott Bonvoy | 70% | Oct 15, 2026 | Read the breakdown |
| Citi ThankYou Rewards → Qatar Airways Privilege Club (Avios) | 35% | Oct 31, 2026 | Read the breakdown |
| Amex Membership Rewards → Hilton Honors | 30% | Oct 14, 2026 | Read the breakdown |
| Citi ThankYou Rewards → Japan Airlines Mileage Bank | 30% | Oct 24, 2026 | Read the breakdown |
| Citi ThankYou Rewards → Avianca LifeMiles | 25% | Oct 24, 2026 | Read the breakdown |
| Amex Membership Rewards → Air France-KLM Flying Blue | 25% | Oct 31, 2026 | Read the breakdown |
| Amex Membership Rewards → Aeromexico Rewards | 20% | Oct 30, 2026 | Read the breakdown |
| Capital One Miles → British Airways Club (Avios) | 20% | Oct 31, 2026 | Read the breakdown |
See every active offer, with fine print, on the transfer bonuses board.
Chase transfer partners
Chase Ultimate Rewards transfers to 14 partners: 10 airlines and 4 hotels. Every airline transfers 1:1, and so do Marriott, IHG and Wyndham. World of Hyatt is 1:1 on the Sapphire Reserve but 4:3 on the Sapphire Preferred and Ink Business Preferred, which means 1,000 points become 750 Hyatt points. Transfers move in 1,000-point steps and are usually instant.
Key Chase partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| United MileagePlus | 1:1 | 1,000 | Domestic flights and Star Alliance partner business class. | Star Alliance. Saver awards on short domestic routes can be cheap; United prices dynamically, so compare against the cash fare. |
| Air Canada Aeroplan | 1:1 | 1,000 | Short-haul North America and Star Alliance partner awards. | Star Alliance. Distance-based partner chart, and no fuel surcharges on many partner carriers. |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Europe and North Africa, when a Promo Reward is on. | SkyTeam. Monthly Promo Rewards can cut award prices on featured routes. |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | Transatlantic premium cabins. | Dynamic pricing. Upper Class New York to London has started around 29,000 points one-way when saver space exists. |
| World of Hyatt | 1:1 Reserve; 4:3 Preferred | 1,000 (Reserve) / 750 (Preferred) | Premium hotel stays, even at 4:3. | Sapphire Preferred and Ink Business Preferred moved to 4:3 for existing cardholders on October 1, 2026. The Reserve is still 1:1. |
See all Chase transfer partners and ratios →
Cards and guides: Is Chase Sapphire Preferred worth it? · Is Chase Sapphire Reserve worth it? · Sapphire Preferred card page · Sapphire Reserve card page
Capital One transfer partners
Capital One miles transfer to 22 partners: 18 airlines and 4 hotels. Most airlines are 1:1; Emirates, EVA Air and Japan Airlines are 2:1.5, and JetBlue is 5:3. The list has no Hyatt, United, Southwest, Hilton, Marriott or IHG.
Key Capital One partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| Air Canada Aeroplan | 1:1 | 1,000 | Star Alliance partner awards. | Star Alliance. Distance-based partner chart. |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Europe when a Promo Reward is on. | SkyTeam. Monthly Promo Rewards. |
| British Airways Executive Club | 1:1 | 1,000 | Short oneworld flights. | LIVE: 20% bonus through Oct 31, 2026. oneworld. Distance-based Avios. |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 | International premium cabins. | Star Alliance. |
| Qatar Airways Privilege Club | 1:1 | 1,000 | International premium cabins. | oneworld. Avios-based. |
| Turkish Airlines Miles&Smiles | 1:1 | 1,000 | International premium cabins. | Star Alliance. |
See all Capital One transfer partners and ratios →
Cards and guides: Is Capital One Venture X worth it? · Venture X card page · Is Capital One Venture worth it?
Bilt transfer partners
Bilt Points transfer to about two dozen airline, hotel and rail programs. Nearly everything is 1:1. The exceptions are Accor (3:2), I Prefer (1:2) and Amtrak (2:1). Hyatt is 1:1 through December 31, 2026 and drops to 4:3 for all members on January 1, 2027.
Key Bilt partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| World of Hyatt | 1:1 (4:3 from Jan 1, 2027) | 1,000 (750 from 2027) | Hyatt stays; move points before the change if you plan to. | The marquee Bilt partner. The January 2027 cut applies to all members. |
| United MileagePlus | 1:1 | 1,000 | United flights without a Chase card. | Star Alliance. |
| Atmos Rewards (Alaska and Hawaiian) | 1:1 | 1,000 | Alaska and Hawaiian flights and oneworld partners. | oneworld. |
| Southwest Rapid Rewards | 1:1 | 1,000 | Domestic flying during sales. | Fare-based awards. |
See all Bilt transfer partners and ratios →
Cards and guides: Is Bilt Palladium worth it? · Bilt vs no rent rewards · Best card for rent · Best credit cards for groceries · Bilt Palladium card page · Bilt Blue card page
Citi transfer partners
Citi ThankYou transfers 1:1 to most of its 16 airlines on annual-fee cards (Strata Premier, Strata Elite, Prestige). Points held only on no-fee Citi cards transfer at a reduced ratio, about 1,000 to 700. American Airlines is the standout: the 1:1 ratio needs an eligible annual-fee card, and Citi is the only major transferable currency that sends points to AAdvantage directly.
Citi airline partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| American Airlines AAdvantage | 1:1 (annual-fee cards) | 1,000 | American flights and oneworld partners. | oneworld. Added July 2025. No-fee cards: 1,000 to 700. |
| Japan Airlines Mileage Bank | 1:1 (annual-fee cards) | 1,000 | Flights to Japan. | LIVE: 30% bonus through Oct 24, 2026. oneworld. New partner in September 2026. No-fee cards: 1,000 to 700. |
| Avianca LifeMiles | 1:1 | 1,000 | Star Alliance awards. | LIVE: 25% bonus through Oct 24, 2026. Star Alliance. |
| Qatar Airways Privilege Club | 1:1 | 1,000 | International premium cabins. | LIVE: 35% bonus through Oct 31, 2026. oneworld. |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Europe, when a Promo Reward is on. | SkyTeam. |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | Transatlantic premium cabins. | |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 | International premium cabins. | Star Alliance. |
| Turkish Airlines Miles&Smiles | 1:1 | 1,000 | International premium cabins. | Star Alliance. |
| Cathay Pacific Asia Miles | 1:1 | 1,000 | Asia and oneworld awards. | oneworld. |
| Etihad Guest | 1:1 | 1,000 | Etihad flights. | |
| EVA Air Infinity MileageLands | 1:1 | 1,000 | Flights to Taiwan. | Star Alliance. |
| Qantas Frequent Flyer | 1:1 | 1,000 | Australia and the Pacific. | oneworld. |
| Thai Airways Royal Orchid Plus | 1:1 | 1,000 | Flights to Thailand. | Star Alliance. |
| Aer Lingus AerClub | 1:1 | 1,000 | Flights to Ireland. | |
| JetBlue TrueBlue | 1:1 | 1,000 | Simple domestic trips. | |
| Emirates Skywards | 1:0.8 | 800 | Rarely the best use. | Reduced ratio. |
Citi hotel partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| Wyndham Rewards | 1:1 | 1,000 | Budget and road-trip stays. | |
| Choice Privileges | 1:1.5 | 1,500 | Budget and extended stays. | Reduced from 1:2 in April 2026. |
| Preferred Hotels & Resorts | 1:2 | 2,000 | Independent boutique hotels. | |
| Accor Live Limitless | 2:1 | 500 | Rarely the best use. | Reduced ratio. |
| Leading Hotels of the World | 5:1 | 200 | Rarely the best use. | Reduced ratio. |
- Ratios shown are for annual-fee ThankYou cards. No-fee cards such as Citi Strata, Custom Cash and Double Cash transfer at a reduced ratio unless pooled with an annual-fee card.
Cards and guides: Is Citi Strata Premier worth it? · Strata Premier card page · Citi Trifecta guide · Citi and American Airlines
Wells Fargo transfer partners
Wells Fargo Rewards transfers to 10 partners: 8 airlines at 1:1 and 2 hotels at 1:2. The Autograph and the Autograph Journey share the same list, so the no-annual-fee Autograph has transfer partners too.
Wells Fargo airline partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| Air France-KLM Flying Blue | 1:1 | 1,000 | Europe, when a Promo Reward is on. | SkyTeam. |
| British Airways Club | 1:1 | 1,000 | Short oneworld flights. | oneworld. |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | Transatlantic premium cabins. | Upper Class New York to London has started around 29,000 points one-way when saver space exists. |
| Avianca LifeMiles | 1:1 | 1,000 | Star Alliance awards. | Star Alliance. |
| Aer Lingus AerClub | 1:1 | 1,000 | Flights to Ireland. | |
| Iberia Club | 1:1 | 1,000 | Flights to Spain. | oneworld. |
| JetBlue TrueBlue | 1:1 | 1,000 | Simple domestic trips. | Added November 2025. |
| Cathay Pacific Asia Miles | 1:1 | 1,000 | Asia and oneworld awards. | Added April 2026. |
Wells Fargo hotel partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| Choice Privileges | 1:2 | 2,000 | Budget and extended stays. | |
| Wyndham Rewards | 1:2 | 2,000 | Budget and road-trip stays. | Added April 2026. |
Cards and guides: Is Wells Fargo Autograph worth it? · Autograph card page · Wells Fargo Autograph trifecta
Amex transfer partners
US Amex Membership Rewards transfers to 16 airlines and 3 hotels. Most airlines are 1:1. Aeromexico is 1:1.6, Cathay Pacific and Emirates are 5:4, JetBlue is 1:0.8, and Hilton is 1:2. Amex is the bank currency that transfers to Delta SkyMiles.
Amex airline partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| Delta Air Lines SkyMiles | 1:1 | 1,000 | Delta flights. | SkyTeam. Amex may charge a small fee on transfers to US airlines. |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Europe, when a Promo Reward is on. | LIVE: 25% bonus through Oct 31, 2026. SkyTeam. |
| Air Canada Aeroplan | 1:1 | 1,000 | Star Alliance partner awards. | Star Alliance. |
| ANA Mileage Club | 1:1 | 1,000 | Flights to Japan. | Star Alliance. |
| Avianca LifeMiles | 1:1 | 1,000 | Star Alliance awards. | Star Alliance. |
| British Airways Club | 1:1 | 1,000 | Short oneworld flights. | oneworld. |
| Iberia Club | 1:1 | 1,000 | Flights to Spain. | oneworld. |
| Aer Lingus AerClub | 1:1 | 1,000 | Flights to Ireland. | |
| Qantas Frequent Flyer | 1:1 | 1,000 | Australia and the Pacific. | oneworld. |
| Qatar Airways Privilege Club | 1:1 | 1,000 | International premium cabins. | oneworld. |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 | International premium cabins. | Star Alliance. |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | Transatlantic premium cabins. | |
| Aeromexico Rewards | 1:1.6 | 1,600 | Mexico and Latin America. | LIVE: 20% bonus through Oct 30, 2026. SkyTeam. More miles per point than most partners. |
| Cathay Pacific Asia Miles | 5:4 | 800 | Asia and oneworld awards. | oneworld. Reduced ratio. |
| Emirates Skywards | 5:4 | 800 | Rarely the best use. | Reduced ratio. |
| JetBlue TrueBlue | 1:0.8 | 800 | Simple domestic trips. | Reduced ratio. |
Amex hotel partners
| Partner | Ratio | 1,000 points become | Best for | Notes |
|---|---|---|---|---|
| Marriott Bonvoy | 1:1 | 1,000 | Topping off a specific stay. | |
| Choice Privileges | 1:1 | 1,000 | Budget and extended stays. | |
| Hilton Honors | 1:2 | 2,000 | Hilton stays during a bonus. | LIVE: 30% bonus through Oct 14, 2026. Hilton points are low value, so the 1:2 ratio is not as generous as it looks. |
Cards and guides: Is Amex Platinum worth it? · Is Amex Gold worth it? · Amex Gold card page · Amex to Flying Blue bonus
Frequently asked questions
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Open the free calculatorRelated: Chase transfer partners · Capital One transfer partners · Bilt transfer partners · Best credit card for travel · Credit card rewards calculator · All cards
Educational only, not advice or an offer. Ratios, partners and bonuses come from issuer and program pages checked in October 2026; an item we could not confirm is left out.