In my opinion, transferable points programs are the most valuable points to accumulate. These points can often be used at better than 1 cent per point value to book travel and, even better, points can be strategically transferred to airline and hotel programs when valuable awards are available.
This page details all of the point transfers available from a number of bank programs.
A word about Marriott
Marriott offers a huge number of transfer partners, most of which transfer from Marriott 3 to 1. I decided that this “Master List” page would be easier to read if I limited it to transferable points programs that offer 1 to 1 transfers to most programs. All Marriott transfer options can be found here: Marriott Bonvoy Transfer Partners.
Point Transfer Tips
Read all about each major transferable currency program:
- Amex Membership Rewards Guide
- Capital One “Rewards miles” Guide
- Chase Ultimate Rewards Guide
- Citi ThankYou Rewards Guide
- Bilt Rewards Guide
- Marriott Bonvoy Complete Guide
Don’t transfer speculatively: Don’t transfer points until high value awards are available and you are ready to book them. Transfers are one-way only. Transferable points are valuable for their flexibility. Once you transfer, you are locked into a single program that may or may not have awards available.
Share points: Most of the guides listed above detail how to share points with others.
Watch for transfer bonuses: Amex, Capital One, and Citi often offer improved transfer ratios through limited time transfer bonuses.
It’s sometimes cheaper to pay with points: Most bank programs offer ways to pay for travel with points rather than transferring those points to airline or hotel programs. Sometimes you’ll spend fewer points this way.
Current Transfer Bonuses
Here is a list of all of the current transfer bonuses we’re aware of:
| Transfer From | Transfer Bonus Details | End Date |
|---|---|---|
| Amex Membership Rewards | 15% transfer bonus from Amex Membership Rewards to Avianca LifeMiles | 12/31/24 |
| Amex Membership Rewards | 35% transfer bonus from Amex Membership Rewards to Marriott Bonvoy | 12/31/24 |
| Amex Membership Rewards | 40% transfer bonus from Amex Membership Rewards to Virgin Atlantic Flying Club | 12/31/24 |
| Chase Ultimate Rewards | 20% transfer bonus from Chase Ultimate Rewards to Air France KLM Flying Blue | 01/15/25 |
| Chase Ultimate Rewards | 20% transfer bonus from Chase Ultimate Rewards to Air Canada Aeroplan | 01/15/25 |
| Chase Ultimate Rewards | 70% transfer bonus from Chase Ultimate Rewards to IHG | 01/15/25 |
| Amex Membership Rewards | 25% transfer bonus from Amex Membership Rewards to JetBlue | 12/31/24 |
Best Transfer Partners
The following list of transfer partners are limited to those that we find most useful. Plenty of other programs are useful for select purposes and so you’ll find details about those later in this post.
| Rewards Program | Amex Transfer Ratio (and transfer time) | Chase Transfer Ratio (and transfer time) | Citi Transfer Ratio (and transfer time) | Capital One Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) | Wells Fargo Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 via Qatar (~1 day) | 1 to 1 via BA (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) | |
| 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | |||
| 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) | |
| 1 to 1 via Hawaiian (Instant) | 1 to 1 (Instant) | |||||
| 1 to 1 (~1 day) | ||||||
| 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) | ||
| 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 via Qatar (~1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) | |
| 1 to 1 (~1 day) | 1 to 1 (Instant) | 1 to 1 (1 - 2 days) | 1 to 1 (Instant) | |||
| 1 to 1 plus excise tax (Instant) | ||||||
| 1 to 1 (Instant) | 1 to 1 (Instant) | |||||
| 1 to 1 (~12 - 72 hours (slower over weekend)) | 1 to 1 (Instant) | 1 to 1 via Qatar (~1 day) | 1 to 1 via BA (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) | |
| 1K to 200 (Instant) | ||||||
| 1 to 1 (12 - 24 hours) | 1 to 1 via BA (Instant) | 1 to 1 (~1 day) | 1 to 1 via BA (Instant) | 1 to 1 via BA (Instant) | 1 to 1 via BA (Unknown) | |
| 1 to 1 (Instant) | 1 to 1 (Instant) |
Airline Loyalty Programs
In most cases it is free to transfer points. One exception is with Amex. For transfers to US airlines only, Amex usually charges an “excise tax offset fee” of $0.0006 per point (with a maximum fee of $99). Airlines subject to this fee are noted below.
Direct Transfers to Airline Loyalty Programs
Only the first 10 airline programs in our database are shown below automatically. Click “next” or use the search box to find what you’re looking for.
| Rewards Program | Amex Transfer Ratio (and transfer time) | Chase Transfer Ratio (and transfer time) | Citi Transfer Ratio (and transfer time) | Capital One Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) | Wells Fargo Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| Aer Lingus Avios | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 via Qatar (~1 day) | 1 to 1 via BA (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) |
| AeroMexico ClubPremier | 1 to 1.6 (Instant) | 1 to 1 (~6 days) | 1 to 1 (Instant) | |||
| Air Canada Aeroplan | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | ||
| Air France KLM Flying Blue | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) |
| Alaska MileagePlan | 1 to 1 via Hawaiian (Instant) | 1 to 1 (Instant) | ||||
| ANA Mileage Club | 1 to 1 (~1 day) | |||||
| Avianca LifeMiles | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) | |
| British Airways Avios | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 via Qatar (~1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) |
| Cathay Pacific Asia Miles | 1 to 1 (~1 day) | 1 to 1 (Instant) | 1 to 1 (1 - 2 days) | 1 to 1 (Instant) | ||
| Delta SkyMiles | 1 to 1 plus excise tax (Instant) | |||||
| Emirates Skywards | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | |
| Etihad Guest | 1 to 1 (Instant) | 1 to 1 (~1 hour) | 1 to 1 (Instant) | |||
| EVA Air Infinity MileageLands | 1 to 1 (2 to 4 days) | 1000 to 750 (~1 day) | ||||
| Finnair Plus+ | 1 to 1 via BA (Instant) | 1 to 1 via BA (Instant) | 1 to 1 via Qatar (~1 day) | 1 to 1 (Instant) | 1 to 1 via BA (Instant) | 1 to 1 via BA (Unknown) |
| Hawaiian Miles | 1 to 1 plus excise tax (Instant) | |||||
| Iberia Avios | 1 to 1 (~12 - 72 hours (slower over weekend)) | 1 to 1 (Instant) | 1 to 1 via Qatar (~1 day) | 1 to 1 via BA (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) |
| Jet Airways Inter Miles | 1 to 1 (Instant) | |||||
| JetBlue | 250 to 200 plus excise tax (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | |||
| Malaysia Enrich | 1 to 1 (1 to 2 days) | |||||
| Qantas Frequent Flyer | 1 to 1 (Instant) | 1 to 1 (~1 day) | 1 to 1 (~1 day) | |||
| Qatar Privilege Club Avios | 1 to 1 (12 - 24 hours) | 1 to 1 via BA (Instant) | 1 to 1 (~1 day) | 1 to 1 via BA (Instant) | 1 to 1 via BA (Instant) | 1 to 1 via BA (Unknown) |
| Singapore Airlines KrisFlyer | 1 to 1 (Instant) | 1 to 1 (~1 day) | 1 to 1 (~1 day) | 1 to 1 (Instant) | ||
| Southwest Rapid Rewards | 1 to 1 (Instant) | |||||
| TAP Air Portugal | 1 to 1 (Unknown) | 1 to 1 (Unknown) | ||||
| Thai Airways International Royal Orchid Plus | 1 to 1 (3 to 7 days) | |||||
| Turkish Airlines Miles & Smiles | 1 to 1 (12 - 24 hours) | 1 to 1 (Instant) | 1 to 1 (Instant) | |||
| United MileagePlus | 1 to 1 (Instant) | 1 to 1 (Instant) | ||||
| Virgin Atlantic Flying Club | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unkown) |
Indirect Transfers to Airline Loyalty Programs
It’s often possible to transfer first to one program and from there transfer to another. Only the first 5 indirect transfer options in our database are shown below automatically. Click “next” or use the search box to find what you’re looking for.
| Rewards Program | Amex Indirect Transfer | Chase Indirect Transfer | Citi Indirect Transfer | Capital One Indirect Transfer | Bilt Indirect Transfer | Wells Indirect Transfer |
|---|---|---|---|---|---|---|
| AeroMexico ClubPremier | 50K to 50K via Hyatt | 50K to 50K via Hyatt | ||||
| Air China Phoenix Miles | 50K to 40K via Hyatt | 50K to 40K via Hyatt | ||||
| American AAdvantage | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| ANA Mileage Club | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Asiana | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Cathay Pacific Asia Miles | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| China Southern Airlines’ Sky Pearl Club | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Delta SkyMiles | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Etihad Guest | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Hawaiian Miles | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| ITA Airways Volare | 8K to 5K via Accor | 6K to 5K via Accor | ||||
| JAL (Japan Airlines) Mileage Bank | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Korean Airlines | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Qantas Frequent Flyer | 50K to 30K via Hyatt | 4K to 2K via Accor | 3K to 2K via Accor | |||
| Royal Brunei Royal Skies | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Thai Airways International Royal Orchid Plus | 50K to 25K via Hyatt | 50K to 25K via Hyatt | ||||
| Virgin Australia Velocity Frequent Flyer | 8K to 4K via Accor | 6K to 4K via Accor |
Hotel Loyalty Programs
Direct Transfers to Hotel Loyalty Programs
| Rewards Program | Amex Transfer Ratio (and transfer time) | Chase Transfer Ratio (and transfer time) | Citi Transfer Ratio (and transfer time) | Capital One Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) | Wells Fargo Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| Accor Live Limitless | 1000 to 500 (Instant) | 1000 to 500 (Instant) | 3 to 2 (Unknown) | |||
| Choice | 1 to 1 (Instant) | 1 to 2 (Instant) | 1 to 1 (Instant) | 1 to 2 (Unknown) | ||
| Hilton | 1 to 2 (Instant) | 1 to 1 (Unknown) | ||||
| Hyatt | 1 to 1 (Instant) | 1 to 1 (Instant) | ||||
| IHG | 1 to 1 (5 hours) | 1 to 1 (Instant) | ||||
| Leading Hotels of the World | 1K to 200 (Instant) | |||||
| Marriott Bonvoy | 1 to 1 (Instant) | 1 to 1 (1 - 2 days) | 20K to 25K (Instant) | |||
| Preferred Hotels & Resorts I Prefer | 1 to 4 (Instant) | |||||
| Wyndham | 1 to 1 (Instant) | 1 to 1 (Instant) |
Indirect Transfers to Hotel Loyalty Programs
It’s often possible to transfer first to one program and from there transfer to another:
| Rewards Program | Amex Indirect Transfer | Chase Indirect Transfer | Citi Indirect Transfer | Capital One Indirect Transfer | Bilt Indirect Transfer | Wells Indirect Transfer |
|---|---|---|---|---|---|---|
| Hilton | 10K to 15K via Virgin Atlantic | 10K to 15K via Virgin Atlantic | 10K to 15K via Virgin Atlantic | 10K to 15K via Virgin Atlantic | 10K to 15K via Virgin Atlantic | |
| IHG | 10K to 10K via Virgin Atlantic | 10K to 10K via Virgin Atlantic | 10K to 10K via Virgin Atlantic | 10K to 10K via Virgin Atlantic | 10K to 10K via Virgin Atlantic |
Other Loyalty Programs
Direct Transfers to Other Loyalty Programs
| Rewards Program | Amex Transfer Ratio (and transfer time) | Chase Transfer Ratio (and transfer time) | Citi Transfer Ratio (and transfer time) | Capital One Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) | Wells Fargo Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| Shop Your Way Rewards | 1 to 10 (Instant) |
More transfer partner info
- Amex Transfer Partners
- Bilt Transfer Partners
- Capital One Transfer Partners
- Chase Transfer Partners
- Citi Transfer Partners
- Marriott Transfer Partners
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I just found an Amex to SAS EuroBonus transfer page. Do you know if Amex has recently added or is planning on adding SAS as a transfer partner?
https://www.americanexpress.com/en-gb/rewards/membership-rewards/partner/SAS-EuroBonus/SAS-01
It looks like that’s for Amex cardholders in the UK rather than the US
[…] Good post for reference: Complete List of Transferable Points Partners. […]
Google Doc needs update! Club Carlson is long gone. Hotel points to airlines tab.
Ever consider color coding/shading the table cells so that it’s easier to see the ratios at a glance (saves some reading time of individual cells)?
E.g. The table “Indirect Transfers to Airline Loyalty Programs” could have 50K to 50K green, 50K to 40K yellow, 50K to 25K red, or something like that. It could be based on RRVs so that a cell like LHW 1k to 200 isn’t colored red as long as the RRV of the points before/after transfer are similar enough.
Even if you don’t feel my suggestion is necessary, thank you for the resource. I know it’s a lot of work!
That’s a great idea. I’ll think about whether there’s a good way to pull that off
Even for someone who has used transfers for years, it can still get a little jumbled and confusing. Thanks for a very helpful piece, guys.
Great resource. Maybe I missed it but I don’t see indirect transfers via Marriott. For example 1 Amex to 1 Marriott to AA 3:1 plus bonuses. I know it isn’t the best value but there have been some sweet spots and promo transfers over the years like during the Alaska, Virgin American merger period.
Everyone just ignores Marriott for whatever reason
I purposely left out indirect transfers that result in worse than 2 to 1 conversions. There’s just too many that aren’t (IMO) worth cluttering up the display.
[…] Transfer Partner Master List […]
How is “Avios” not most useful? Glaring omission
fixed! please ignore!
[…] Transfer Partner Master List […]
[…] Transfer Partner Master List […]
[…] Transfer Partner Master List […]
[…] that, you usually get a better redemption rate (your CPP) than erasing or buying through a portal. Frequent Miler has a great list of transfer partners for each […]
[…] Good reference to bookmark: Transfer Partner Master List. […]
You should insert a caveat about Delta: don’t waste your valuable points by transferring them to Delta. Delta has destroyed their loyalty program. They have devalued by more than 50%. Delta ‘Skypesos’ are now worth LESS than a penny each.
Amex to Avianca is not instant. I’ve done it a few times and it’s never instant. Not sure what your definition of ‘instant’ is.
Each time I’ve transferred recently it has taken under a minute. How long did it take for you?