We love transferable points programs. The ability to move bank points into multiple airline and hotel programs makes it possible to get far outsized value from your points.
Want to book ANA First Class from the U.S. to Japan? Great. Once you find available award space, you can transfer points from Amex, Chase, Citi, or Marriott to Virgin Atlantic to book this sweet-spot award.
The problem is that not all transfers are instant. That coveted first-class award space may disappear before your points have converted to miles. This post is intended to help with that, and below you’ll find data-driven time estimates for point transfers from all of the major bank rewards programs (and Marriott) to the various airline and hotel loyalty programs.
How transfer times are determined
AwardWallet is a tool that helps you keep track of your points and other rewards (details about AwardWallet can be found here). AwardWallet also has a cool feature called Balance Watch that will check your account balance frequently and alert you when points post. This is great to use when transferring points to book an award because you’ll get an alert when points post. That’s far preferable to logging into your rewards account over and over again to check.
Another cool feature of AwardWallet is that they use real-world Balance Watch data to come up with data-driven transfer time estimates. You can find their results here or in the post below. Many of the time estimates shown below come from AwardWallet’s data, but in quite a few cases where they didn’t have data, we provided results from our own experience, or from readers. We’ve also added this information to our Transfer Partner Master List.
American Express Membership Rewards
For details about Amex points, see: Amex Membership Rewards Points Complete Guide.
| Rewards Program | Amex Transfer Ratio (and transfer time) |
|---|---|
| Aer Lingus Avios | 1 to 1 (Instant) |
| AeroMexico ClubPremier | 1 to 1.6 (Instant) |
| Air Canada Aeroplan | 1 to 1 (Instant) |
| Air France KLM Flying Blue | 1 to 1 (Instant) |
| ANA Mileage Club | 1 to 1 (~1 day) |
| Avianca LifeMiles | 1 to 1 (Instant) |
| British Airways Avios | 1 to 1 (Instant) |
| Cathay Pacific Asia Miles | 1 to 1 (4 to 8 hours) |
| Choice | 1 to 1 (Instant) |
| Delta SkyMiles | 1 to 1 plus excise tax (Instant) |
| Emirates Skywards | 1000 to 800 (Instant) |
| Etihad Guest | 1 to 1 (Instant) |
| Finnair Plus+ | 1 to 1 via BA (Instant) |
| Hilton | 1 to 2 (Instant) |
| Iberia Avios | 1 to 1 (~12-24 hours (slower over weekend)) |
| JetBlue | 250 to 200 plus excise tax (Instant) |
| Marriott Bonvoy | 1 to 1 (Instant) |
| Qantas Frequent Flyer | 1 to 1 (Instant) |
| Qatar Privilege Club Avios | 1 to 1 (12-24 hours) |
| Singapore Airlines KrisFlyer | 1 to 1 (12-24 hours) |
| Virgin Atlantic Flying Club | 1 to 1 (Instant) |
Bilt Rewards
For details about Bilt points, see: Bilt Rewards Complete Guide.
| Rewards Program | Bilt Transfer Ratio (and transfer time) |
|---|---|
| Accor Live Limitless | 3 to 2 (Unknown) |
| Aer Lingus Avios | 1 to 1 (Instant) |
| Air Canada Aeroplan | 1 to 1 (Instant) |
| Air France KLM Flying Blue | 1 to 1 (Instant) |
| Alaska Atmos Rewards | 1 to 1 (Instant) |
| Avianca LifeMiles | 1 to 1 (Instant) |
| British Airways Avios | 1 to 1 (Instant) |
| Cathay Pacific Asia Miles | 1 to 1 (Instant) |
| Emirates Skywards | 1 to 1 (Instant) |
| Etihad Guest | 1 to 1 (Unknown) |
| Finnair Plus+ | 1 to 1 via BA (Instant) |
| Hilton | 1 to 1 (Unknown) |
| Hyatt | 1 to 1 (Instant) |
| Iberia Avios | 1 to 1 (Instant) |
| IHG | 1 to 1 (Instant) |
| JAL (Japan Airlines) Mileage Bank | 1 to 1 (Instant) |
| Marriott Bonvoy | 20K to 25K (Instant) |
| Qatar Privilege Club Avios | 1 to 1 (Instant) |
| Southwest Rapid Rewards | 1 to 1 (~12 hours) |
| TAP Air Portugal | 1 to 1 (Unknown) |
| Turkish Airlines Miles & Smiles | 1 to 1 (Instant) |
| United MileagePlus | 1 to 1 (Instant) |
| Virgin Atlantic Flying Club | 1 to 1 (Instant) |
Capital One “Miles”
For details about Capital One Miles, see: Capital One “Miles” Complete Guide.
| Rewards Program | Capital One Transfer Ratio (and transfer time) |
|---|---|
| Accor Live Limitless | 1000 to 500 (Instant) |
| Aer Lingus Avios | 1 to 1 via BA (Instant) |
| AeroMexico ClubPremier | 1 to 1 (Instant) |
| Air Canada Aeroplan | 1 to 1 (Instant) |
| Air France KLM Flying Blue | 1 to 1 (Instant) |
| Avianca LifeMiles | 1 to 1 (Instant) |
| British Airways Avios | 1 to 1 (Instant) |
| Cathay Pacific Asia Miles | 1 to 1 (1-2 days) |
| Choice | 1 to 1 (Instant) |
| Emirates Skywards | 1 to 1 (Instant) |
| Etihad Guest | 1 to 1 (Instant) |
| EVA Air Infinity MileageLands | 1000 to 750 (~1 day) |
| Finnair Plus+ | 1 to 1 (Instant) |
| Iberia Avios | 1 to 1 via BA (Instant) |
| JAL (Japan Airlines) Mileage Bank | 2 to 1.5 (Instant) |
| JetBlue | 1,000 to 600 (1-2 hours) |
| Preferred Hotels & Resorts I Prefer | 1 to 2 (Unknown) |
| Qantas Frequent Flyer | 1 to 1 (~1 day) |
| Qatar Privilege Club Avios | 1 to 1 (Instant) |
| Singapore Airlines KrisFlyer | 1 to 1 (12-24 hrs) |
| TAP Air Portugal | 1 to 1 (Unknown) |
| Turkish Airlines Miles & Smiles | 1 to 1 (Instant) |
| Virgin Atlantic Flying Club | 1 to 1 (Instant) |
| Wyndham | 1 to 1 (12-24 hrs) |
Chase Ultimate Rewards
For details about Chase points, see: Chase Ultimate Rewards Complete Guide.
| Rewards Program | Chase Transfer Ratio (and transfer time) |
|---|---|
| Aer Lingus Avios | 1 to 1 (Instant) |
| Air Canada Aeroplan | 1 to 1 (Instant) |
| Air France KLM Flying Blue | 1 to 1 (Instant) |
| British Airways Avios | 1 to 1 (Instant) |
| Finnair Plus+ | 1 to 1 via BA (Instant) |
| Hyatt | 1 to 1 (Instant) |
| Iberia Avios | 1 to 1 (Instant) |
| IHG | 1 to 1 (4-8 hours) |
| JetBlue | 1 to 1 (Instant) |
| Marriott Bonvoy | 1 to 1 (1-2 days) |
| Qatar Privilege Club Avios | 1 to 1 via BA (Instant) |
| Singapore Airlines KrisFlyer | 1 to 1 (~1 day) |
| Southwest Rapid Rewards | 1 to 1 (Instant) |
| United MileagePlus | 1 to 1 (Instant) |
| Virgin Atlantic Flying Club | 1 to 1 (Instant) |
Citi ThankYou Rewards
For details about Citi points, see: Citi ThankYou Rewards Complete Guide.
| Rewards Program | Citi Transfer Ratio (and transfer time) |
|---|---|
| Accor Live Limitless | 1000 to 500 (Instant) |
| Aer Lingus Avios | 1 to 1 via Qatar (~1 day) |
| AeroMexico ClubPremier | 1 to 1 (~6 days) |
| Air France KLM Flying Blue | 1 to 1 (Instant) |
| American AAdvantage | 1 to 1 (Instant) |
| Avianca LifeMiles | 1 to 1 (Instant) |
| British Airways Avios | 1 to 1 via Qatar (~1 day) |
| Cathay Pacific Asia Miles | 1 to 1 (Instant) |
| Choice | 1 to 2 (Instant) |
| Emirates Skywards | 1000 to 800 (Instant) |
| Etihad Guest | 1 to 1 (~1 hour) |
| EVA Air Infinity MileageLands | 1 to 1 (1-2 days) |
| Finnair Plus+ | 1 to 1 via Qatar (~1 day) |
| Iberia Avios | 1 to 1 via Qatar (~1 day) |
| Jet Airways Inter Miles | 1 to 1 (Instant) |
| JetBlue | 1 to 1 (Instant) |
| Leading Hotels of the World | 1K to 200 (Instant) |
| Malaysia Enrich | 1 to 1 (1 to 2 days) |
| Preferred Hotels & Resorts I Prefer | 1 to 4 (Instant) |
| Qantas Frequent Flyer | 1 to 1 (~1 day) |
| Qatar Privilege Club Avios | 1 to 1 (~1 day) |
| Shop Your Way Rewards | 1 to 10 (Instant) |
| Singapore Airlines KrisFlyer | 1 to 1 (~1 day) |
| Thai Airways Royal Orchid Plus | 1 to 1 (3-7 days) |
| Turkish Airlines Miles & Smiles | 1 to 1 (12-24 hours) |
| Virgin Atlantic Flying Club | 1 to 1 (Instant) |
| Wyndham | 1 to 1 (Instant) |
Marriott Bonvoy
For details about Marriott points, see: Marriott Bonvoy Complete Guide.
| Rewards Program | Marriott Transfer Ratio (and transfer time) |
|---|---|
| Aegean Miles + Bonus | 60K to 25K (~3 days) |
| Aer Lingus Avios | 60K to 25K (Unknown) |
| Aeroflot Bonus | 60K to 25K (Unknown) |
| AeroMexico ClubPremier | 60K to 25K (2-4 days) |
| Air Canada Aeroplan | 60K to 25K (4-5 days) |
| Air China Phoenix Miles | 60K to 25K (Unknown) |
| Air France KLM Flying Blue | 60K to 25K (1-3 days) |
| Air New Zealand Air Points | 60K to 307 (1-2 days) |
| Alaska Atmos Rewards | 60K to 25K (~1 day) |
| American AAdvantage | 3K to 1K (~2 days) |
| ANA Mileage Club | 60K to 25K (4-7 days) |
| Avianca LifeMiles | 3K to 1K (~1 day) |
| British Airways Avios | 60K to 25K (1-3 days) |
| Cathay Pacific Asia Miles | 60K to 25K (~1 day) |
| China Eastern Airlines | 60K to 25K (Unknown) |
| China Southern Airlines’ Sky Pearl Club | 60K to 25K (Unknown) |
| Copa Airlines ConnectMiles | 60K to 25K (~3 days) |
| Delta SkyMiles | 3K to 1K (1-2 days) |
| Emirates Skywards | 60K to 25K (~3 days) |
| Etihad Guest | 60K to 25K (3-5 days) |
| Frontier Miles | 60K to 25K (Unknown) |
| Iberia Avios | 60K to 25K (~1-2 days) |
| JAL (Japan Airlines) Mileage Bank | 60K to 25K (~2 days) |
| Jet Airways Inter Miles | 60K to 25K (~7 days) |
| JetBlue | 60K to 12.5K (Unknown) |
| LATAM Pass | 60K to 25K (~1 day) |
| Multiplus | 60K to 25K (Unknown) |
| Qantas Frequent Flyer | 60K to 25K (~2 days) |
| Qatar Privilege Club Avios | 60K to 25K (3 - 4 days) |
| Saudia Airlines | 60K to 25K (~5 days) |
| Singapore Airlines KrisFlyer | 60K to 25K (~4 days) |
| South African Airways Voyager | 60K to 25K (Unknown) |
| Southwest Rapid Rewards | 60K to 25K (1-2 days) |
| TAP Air Portugal | 60K to 25K (Unknown) |
| Thai Airways Royal Orchid Plus | 60K to 25K (~4 days) |
| Turkish Airlines Miles & Smiles | 60K to 25K (~1 day) |
| United MileagePlus | 60K to 30K (2-5 days) |
| Virgin Atlantic Flying Club | 60K to 25K (12-24 hours) |
| Virgin Australia Velocity Frequent Flyer | 60K to 25K (Unknown) |
| Vueling Club | 60K to 25K (Unknown) |
Mesa Points
| Rewards Program | Mesa Transfer Ratio (and transfer time) |
|---|---|
| Accor Live Limitless | 3 to 2 (Instant) |
| Aer Lingus Avios | 1 to 1 via Finnair () |
| AeroMexico ClubPremier | 1 to 1 (Instant) |
| Air Canada Aeroplan | 1 to 1 (Instant) |
| Air India Maharaja Club | 1 to 1 (~6 days) |
| British Airways Avios | 1 to 1 via Finnair () |
| Cathay Pacific Asia Miles | 1 to 1 (Instant) |
| Finnair Plus+ | 1 to 1 (Instant) |
| Hainan Airlines | 1 to 1 (Unknown) |
| Iberia Avios | 1 to 1 via Finnair () |
| Qatar Privilege Club Avios | 1 to 1 via Finnair () |
| SAS Eurobonus | 1 to 1 (Unknown) |
| Thai Airways Royal Orchid Plus | 1 to 1 (Unknown) |
| Vietnam Airlines LotusMiles | 1 to 1 (Instant) |
Rove Miles
| Rewards Program | Rove Transfer Ratio (and transfer time) |
|---|---|
| Accor Live Limitless | 3 to 2 (Unknown) |
| Aer Lingus Avios | 1 to 1 via Qatar () |
| AeroMexico ClubPremier | 1 to 1 (Unknown) |
| Air France KLM Flying Blue | 1 to 1 (Instant) |
| Air India Maharaja Club | 1 to 1 () |
| British Airways Avios | 1 to 1 via Qatar () |
| Cathay Pacific Asia Miles | 1 to 1 (Unknown) |
| Etihad Guest | 1 to 1 (Unknown) |
| Finnair Plus+ | 1 to 1 (Unknown) |
| Hainan Airlines | 1 to 1 (Unknown) |
| Iberia Avios | 1 to 1 via Qatar () |
| Miles & More | 1 to 1 (Instant) |
| Qatar Privilege Club Avios | 1 to 1 (Unknown) |
| Thai Airways Royal Orchid Plus | 1 to 1 (Unknown) |
| Turkish Airlines Miles & Smiles | 1 to 1 (Unknown) |
| Vietnam Airlines LotusMiles | 1 to 1 (Unknown) |
Wells Fargo
| Rewards Program | Wells Fargo Transfer Ratio (and transfer time) |
|---|---|
| Aer Lingus Avios | 1 to 1 (Unknown) |
| Air France KLM Flying Blue | 1 to 1 (Unknown) |
| Avianca LifeMiles | 1 to 1 (Unknown) |
| British Airways Avios | 1 to 1 (Unknown) |
| Choice | 1 to 2 (Unknown) |
| Finnair Plus+ | 1 to 1 via BA (Unknown) |
| Iberia Avios | 1 to 1 (Unknown) |
| JetBlue | 1 to 1 (Unknown) |
| Qatar Privilege Club Avios | 1 to 1 (Unknown) |
| Virgin Atlantic Flying Club | 1 to 1 (Unknown) |
Sorted by Loyalty Program
Note that if you prefer to see the transfer times arranged by loyalty program rather than by transferable points program, see our Transfer Partner Master List.
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Could Mesa and Rove Miles be added to this post in the near future? Thank you!
Maybe to this post too: https://frequentmiler.com/transfer-partner-master-list/
Thanks again.
They’re already in that post, you just have to move the table to the right.
Ok, great. I missed that, I’ll take another look. Thanks!
Sure! They’re added.
Chase currently offering +30% to BA transfer.
Data point: I transferred AMEX MR to Cathay Pacific over the weekend. It was instant. First time transferring as well.
Warning about transfers to BA that you intend to then move to Qatar (I’ am presently in the middle of this). At their whim and without notice, BA may decide that you have “unusual activity” on your account and freeze the ability to move points to Qatar. Note that my “unusual activity” was to pay them $50 to transfer 21,000 miles from my wife to me and to transfer in about 100,000 Chase points. The CSRs know nothing and there is no one else to call at BA that can help. According to some internet fora, the freeze supposedly goes away on its own in 7-10 days, but so far mine has not – it’s been 8 days. BA has not responded to emails. The Qatar award I was trying to get has now doubled in price.
Oh geez… Cahse to BA to Qatar is exactly what I am planning to do…. =/
JAL took 20 hours for me this week from Capital One
Chase Aeroplan usually takes 1-2 days for me.
Chase to Air France was also slow.
I stopped using Chase. I lost too many flights due to waiting.
Great resource and reference. Thank you for regularly updating it.
If you can get the data, it would be nice to add Wells Fargo to this list. They have some nice bonus categories (such as 3x on telecom) that are not included in other ecosystems, and they will become more relevant after today when Chase nukes its “all other travel” category. I know their transfer partners are limited, but I can do a lot with Avios (and have on multiple occasions) and Flying Blue, Virgin and Avianca can be useful as well. If you are Joe Average who only cares about United, Delta and American, perhaps that ecosystem isn’t for you, but I’m guessing a majority of your loyal fans have redeemed an award on at least one of the airlines on the Wells Fargo list in the past.
Your wish is our command. Added. Now about those data points…:)
Tim–you guys are awesome, but I think you pasted in the wrong chart. Wells transfers to airlines at 1-1 and the caption on the second column says Marriott, not Wells
Fixed. Thanks. Hopefully some data points will emerge as more transfers are done.
Thanks, I saw that right after I added it and fixed it. Should be displaying correctly now.
CX has been instant for me when transferring from both Amex and C1. Contra again to the list above, I have very frequently had Amex to Avianca show in my Lifemiles account instantly but not able to be used until the next day Colombia time. Which is frankly the same thing as transfer time for all intents and purposes. Who cares if you can see the miles but not use them?
unfortunately the chase info is not accurate. chase to many partners (Air france, BA, Air Canada) can just randomly take 24-48 hours. sometimes its instant yes. but dozens of examples with clients where a normal transfer wasnt instant. really frustrating
Beware of delay with multiple transfers! I made three transfers from C1 to BA over the course of three days. The first two were instant. The third took 26 hours. After the transfer didn’t post instantly, I called C1 hoping they could push it through, the rep assured me the transfer was complete on their end and they could do nothing more. I guess that’s what the rep saw but the delay was definitely on C1’s end as I finally got the C1 confirmation email 26 hours later and the miles posted at that time (I had checked an hour prior and they weren’t there).
DP: 2/22/25 transfer Amex-Hilton took 40 minutes. I was logging in and out constantly to jump on that redemption. Not quite instant.
Just transferred Cap 1 miles to Singapore from wife’s and my account. Both transfers were instantaneous.
Awesome, thanks for the info!
Attempted to transfer 400k+ Cap1 miles to Flying Blue in last month. Points never made it to Flying Blue.
15 days after the transfer attempt received a form email from Cap1 that “something about the transfer didn’t seem quite right and they wanted to check with me before moving forward”.
Problem is I called Cap1 phone reps at least 5x over these 15 days to verify I wanted the points transferred. The Cap1 reps have zero ability to help beyond saying you need to wait 15 days to see if the “external transfer” completes. Asking for a supervisor was equally pointless. Zero customer service.
Well, what happened after the 15 days?
I had the same experience with Capital One and I will now switch ALL my spending to AMEX due to this very same reason. I worked my a** off to gain these points and Capital One makes me work even harder to transfer them to transfer partners in a timely manner. End result: the flight the I was trying to book with these points were lost as the flight was no longer available after 5 days of waiting for those miles to transfer to the airline partner.
Haven’t transferred any points yet but would love to hear any advise as to whether I may be stalled if my middle name is on my passport + ID but not my credit card. I understand it should be an exact match from cc to airline membership for it to transfer instantly, and hope when booking a redemption the airline allows me to fill in the name as it shows on my ID’s. As I’m busy setting up all possible new airline memberships in anticipation of a future transfer, add middle name now or not?
Chase > IHG has been ~1 business day for me. Latest xfer was last week.
Chase > Hyatt was a few days, did the transfer a few weeks ago.
I’ve almost never experienced instant transfer from Chase.