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. 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.
If you prefer spreadsheets, you can find the Google Docs version of this post here.
For more about transferable points programs, please see: Transferable Points Programs Compared.
Table of Contents
Where did Marriott go?
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.
Tips
Read all about each program:
- Amex Membership Rewards Guide
- Capital One “Rewards miles” Guide
- Chase Ultimate Rewards Guide
- Citi ThankYou Rewards Guide
- Bilt Rewards Guide
- Brex Cash
Don’t transfer yet: 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 |
|---|---|---|
| Capital One | 20% transfer bonus from Capital One to Accor Live Limitless | 2022/11/30 |
| Capital One | 20% transfer bonus from Capital One to British Airways Avios | 2022/11/30 |
| Chase | 30% transfer bonus from Chase to Aeroplan | 2022/11/30 |
| Bilt | 100% transfer bonus from Bilt to IHG One Rewards | 2022/12/01 |
| Amex | 15% transfer bonus from American Express Membership Rewards to Avianca LifeMiles | 2022/12/07 |
| Amex | 25% transfer bonus from American Express Membership Rewards to Air France/KLM Flying Blue | 2022/12/07 |
| Chase | 40% transfer bonus from Chase Ultimate Rewards to Marriott | 2022/12/20 |
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) | Brex Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (~1 Minute) | |||
| 1 to 1 (~10 minutes to 1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (~1 Minute) | |
| 1 to 1 (1 Day) | ||||||
| 1 to 1 (~1 day) | ||||||
| 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 (4 to 5 days) | 1 to 1 (Unknown) | 1 to 1 (~1 Minute) | ||
| 1 to 1 (Instant) | 1 to 1 (~1 Minute) | |||||
| 1 to 1 (Instant) | 1 to 1 (~1 Minute) |
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) | Brex Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| Aer Lingus Avios | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 via Qatar, BA (1 to 2 days) | 1 to 1 via BA (Unknown) | 1 to 1 (~1 Minute) | |
| AeroMexico ClubPremier | 1 to 1.6 (1 to 2 days) | 1 to 1 (~6 days) | 1 to 1 (Instant) | 1 to 1 (Unknown) | ||
| Air Canada Aeroplan | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (~1 Minute) | ||
| Air France KLM Flying Blue | 1 to 1 (~10 minutes to 1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (~1 Minute) |
| American AAdvantage | 1 to 1 (1 Day) | |||||
| 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) | ||
| British Airways Avios | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 via Qatar (1 to 2 days) | 1 to 1 (Unknown) | 1 to 1 (~1 Minute) | |
| Cathay Pacific Asia Miles | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (4 to 5 days) | 1 to 1 (Unknown) | 1 to 1 (~1 Minute) | |
| 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) | 1 to 1 (~1 Minute) |
| Etihad Guest | 1 to 1 (Instant) | 1 to 1 (~1 hour) | 1 to 1 (Instant) | |||
| EVA Air Infinity MileageLands | 1 to 1 (Instant) | 1000 to 750 (~1 day) | ||||
| Finnair Plus+ | 1 to 1 (Instant) | |||||
| Hawaiian Miles | 1 to 1 plus excise tax (Instant) | 1 to 1 (~1 Minute) | ||||
| Iberia Avios | 1 to 1 (~12 - 72 hours (slower over weekend)) | 1 to 1 (Instant) | 1 to 1 via Qatar, BA (1 to 2 days) | 1 to 1 via BA (Unknown) | 1 to 1 (~1 Minute) | |
| 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) | 1 to 1 (Unknown) | ||
| Singapore Airlines KrisFlyer | 1 to 1 (Instant) | 1 to 1 (~17 hours) | 1 to 1 (~1 day) | 1 to 1 (~7 hours) | 1 to 1 (Instant) | |
| Southwest Rapid Rewards | 1 to 1 (Instant) | |||||
| TAP Air Portugal | 1 to 1 (Unknown) | |||||
| Thai Airways International Royal Orchid Plus | 1 to 1 (3 to 7 days) | |||||
| Turkish Airlines Miles & Smiles | 1 to 1 (~1 day) | 1 to 1 (Instant) | 1 to 1 (~1 Minute) | |||
| United MileagePlus | 1 to 1 (Instant) | 1 to 1 (~1 Minute) | ||||
| Virgin Atlantic Flying Club | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) | 1 to 1 (~1 Minute) |
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 | Brex Indirect Transfer | Bilt 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 | |||||
| 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 | ||||
| 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 | 6K to 3K via Accor | 50K to 30K via Hyatt | |||
| 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 |
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) | Brex Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| Accor Live Limitless | 1000 to 500 (Unknown) | |||||
| Choice | 1 to 1 (Instant) | 1 to 2 (Instant) | 1 to 1 (Instant) | |||
| Hilton | 1 to 2 (1 day) | |||||
| Hyatt | 1 to 1 (Instant) | 1 to 1 (~1 Minute) | ||||
| IHG | 1 to 1 (5 hours) | 1 to 1 (~1 Minute) | ||||
| Marriott Bonvoy | 1 to 1 (~1 day) | 1 to 1 (~1 day) | ||||
| 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 | Brex Indirect Transfer | Bilt 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 | ||
| 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 | ||
| Wyndham | 2 to 1 via Hawaiian (1 to 1) then Caesar's Total Rewards (2 to 1) |
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) | Brex Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|
| Shop Your Way Rewards | 1 to 10 (Instant) |
Indirect Transfers to Other 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 | Brex Indirect Transfer | Bilt Indirect Transfer |
See Also
- Amex Transfer Partners
- Capital One Transfer Partners
- Chase Transfer Partners
- Citi Transfer Partners
- Marriott Transfer Partners
Capital One point transfer to Avianca LifeMiles is NOT instant. Last week it took over 12 hours. I lost a pair of tix and have 126K stranded.
I received an email from United today offering to transfer Radisson points to United miles with 50% bonus. Normally I would not even look at this but I know that this option is not on your Google Spreadsheet.
The rate is terrible: 10,000 Radisson points to 1,000 United miles (or 1,500 with the bonus) so maybe unimportant. If it were not for overseas Radisson Blu hotels I might even consider a transfer as Radisson is dead to me on the West Coast – not a property I would consider staying at.
Another site that has similar info that I use as a reference often is travelbabel.com
British Airways is completely missing from this list.
Also Amex indirect transfers to Airlines via Marriott to AAdvantage for example.
Look at “Avios” for British airways
For indirect, there would be too many to list if I included all possible options so I generally limited to 2 to 1 or better
[…] Good reference to bookmark: Transfer Partner Master List. […]
Where have the Amex transfer bonuses to airlines gone? It’s been all hotels since early 2020.
I’m assuming that they’re holding off until travel returns to semi-normal.
[…] covered this change on our Transfer Partner Master List last night. While El Al has long had an awful award chart, I believe that you could earn elite […]
El Al transfers don’t go away until Jan 1, so you still have a few months to make a really bad decision.
Thanks. I updated the update
[…] Note that this chart includes Capital one and does not include transfer ratios (see our Transfer Partner Master List for full info, including transfer ratios and also including Marriott transfer partners). Note that […]
[…] news. Suddenly we can use Air Canada miles transferred from Amex, Capital One, or Marriott (see our Transfer Partner Master List) in order to book Etihad, and with no fuel surcharges! I flew Etihad’s incredible first […]
I love this compilation! I think another possible addition (maybe in an “other” column) to the hotel options is Amtrak to Choice 1:3. While not the best, with the annual fee variety card required and hefty spending requirements for transfer, the transfer options to hotels so seldom make sense except Hyatt that it’s good to have some viable alternatives.
Thanks Adam. The Google Docs spreadsheet does have a tab for things like that. I’ll considering adding those “weird” transfers to this page too
[…] the promiscuous around now that they partner with Chase, Capital One, Amex, and Marriott (see our Transfer Partner Master List). This makes their miles easy to get since you can transfer to them from almost anywhere (Citi is […]
[…] awards (Travel is Free’s United Award Chart was particularly helpful). And, I reviewed our Transfer Partner Master list to identify which transfer partners are unique to […]
[…] Check out how to transfer to any mileage program via FM’s List of Transfer Partners. […]
[…] Check out how to transfer to any mileage program via FM’s List of Transfer Partners. […]
[…] Reminder: Beyond each brand’s credit cards, if you want to know how to earn any of these points via transfer partners, check out FM’s “Master List of Transfer Partners“. […]
[…] Reminder: Beyond each brand’s credit cards, if you want to know how to earn any of these points via transfer partners, check out FM’s “Master List of Transfer Partners“. […]
[…] just learned that Diners Club transfers to IHG by checking FM’s List of Transfer Partners. I know nothing about Diners Club, but I love the table FM has put together so much that I added […]
[…] You can transfer points to Virgin Atlantic miles from quite a few programs (see our Transfer Partner Master List): […]
[…] (Thanks to FM’s spreadsheet of “List of Transfer Partners“). […]
[…] (Thanks to FM’s spreadsheet of “List of Transfer Partners“). […]
[…] To see if you have transferable points that go to these airlines, check out FM’s List of Transfer Partners. […]
[…] 2.1 miles per dollar with this card. Additionally, Virgin Atlantic partners with almost all transferable points programs: Amex, Chase, Citi, and Marriott. Capital One is the only major […]
great resource, my only worry with UR is if chase gets the notion they can shut you down and take them back. My wife has 250k of them and I feel the need to transfer about half of those out just to limit exposure.
Thank you for taking the time and energy to do this!
Thank you for this. Just a quick update – Citi does not instantly transfer to Cathay Pacific Asia miles. I made transfers just 2 months ago for myself and my wife’s account. It took about 2-3 days.
I really enjoy using this as an idea of what flex currencies transfer to what airline.
Any chance someone will update this spreadsheet now that SPG is “gone” and Marriott changed their structure?
I did update the spreadsheet a while ago. I still label it SPG (because that’s shorter than Marriott), but I show the new 60K to 25K transfer ratios
Ahhh I missed that. That seems like a good way to fix it.
[…] a number of those price changes may look fairly significant. That said, Singapore KrisFlyer is a transfer partner with Chase Ultimate Rewards, Citi ThankYou points, American Express Membership Rewards, and […]
[…] Transfer Partner Master List. I always forget what flexible currencies transfer to different programs. This makes that information much more accessible than normal. […]
Thank you for the in-depth instructions. I’m new to this and just now am constructing my credit card plans for my wife and me. For various reasons, we need to emphasize American and United Airlines miles in our travel plans. I’ve noticed that United should be no problem, but American appears more difficult to build points/miles. Any suggestions/modifications to your sample plan that would incorporate an emphasis on American flights into the equation? Thanks.
For earning AA miles, there are direct AA offers from Citibank (currently 60K each). Also, you can get Amex SPG cards and/or Chase Marriott cards (and convert Marriott points to SPG) and then convert SPG points to AA at a rate of 20K points = 25K AA miles.
The Chase BA card earns Avios that can be used to book AA flights (best used for relatively short non-stop flights).
And, of course, all bank cards that offer a pay with points option can be used to pay for AA flights.
[…] from SPG, Membership Rewards, Ultimate Rewards, or ThankYou points? According to my Transfer Partner Master List, none of them support […]
[…] a reminder, FlyingBlue is a transfer partner of SPG, Citi ThankYou and American Express Membership Rewards and they do charge varying levels of […]
” Transfer Partner Master List” what a great tool! Thanks for all your good work! I never miss any of your messages.Regards
Pat
[…] Transfer Partner Master List […]
[…] Transfer Partner Master List […]
[…] Transfer Partner Master List […]
[…] Transfer Partner Master List […]
[…] Transfer Partner Master List […]
Added SPG -> Aegean transfer
Hi Greg,
Great to meet you in Newport this past weekend.
Question, do you keep this spreadsheet always up to date? Great tool if so!
Thank you again for all the great work!
Yes, I certainly try to! Let me know if you see anything wrong.
[…] which points transfer where and in what denominations. Thankfully Frequent Miler has created the Transfer Partner Master List. This is a great place to start, so you can see which flexible points currencies transfer to the […]
[…] Transfer Partner Master List […]
[…] Transfer Partner Master List […]
[…] to transfer points from flexible points programs to these airlines. I find the best resource is the Frequent Miler master spreadsheet. In a couple of seconds we can quickly see that with […]
[…] Transfer Partner Master List […]
Added Virgin Atlantic as a Citi ThankYou transfer partner
Thank you so much for this terrific resource, FT!
I have a running G-Sheet overview of my CC statuses & benefits that looks somewhat similar to this, so I just wanted to drop in a note and say I appreciate the detailed work that went into creating it 🙂
(Feel free to email me if you’d like the link to my CC overview sheet for inspiration–I just don’t want to share it publicly as it contains the exact dates of my apps, cancellations, bonuses, etc…)
(Note aside: for completeness’ sake, maybe add filters for Diners Club and Citi TY Pts…?)
Good catch. Done.
Thanks!
[…] Thanks to reader suggestions and an hour or two of available time, I’ve made a few enhancements to the Transfer Partner Master List that I wrote about recently: […]
[…] Frequent miler posted a great transfer partner master […]
OMG!! I just spent hours trying to do this myself to book my family of 5 west coast to Hawaii and inter island using multiple orphan points. Next time I’ll use this! This week my transfers: SPG to husband’s SPG <1day; SPG-Alaska <2days; Amex MR-BA instant. Thanks for this!
Very helpful! thanks
Awesome stuff, thanks!
Thanks, JustSaying and HoKo. I appreciate your help. I don’t have either MR or UR, so I guess that’s why they didn’t ring a bell with me. This chart will really help as I move forward and start to acquire credit cards and points.
MR = Membership rewards (Amex)
UR = Ultimate rewards (Chase)
UR is Chase Ultimate Rewards which has the base Ink Bold and Ink Plus as foundations for all 5X……..
This is a wonderful chart. I’m pretty new to all of this and know this is going to sound like a stupid question, but what does MR and UR stand for? Is MR, Marriott Rewards? I know SPG, but don’t know UR. Thanks.
MR=Amex Membership Rewards
UR=Chase Ultimate Rewards
If you hover over the boxes on the top row, it tells you what the abbreviations stand for.
Thanks so much for this! Incredibly useful. I appreciate your long-term approach to our hobby so much more than some others. For that reason, I will always use and direct people to your referral links.
Is there any way you could add which airlines charge fuel surcharge since it would make a difference which one I would transfer to.
Great suggestion……they are game changers IMHO………….BA companion pass….meah I’ll pass a free ticket that costs $2500 in fuel surcharges for the pair…………
Yes, this would be great. I’ve talking with TravelIsFree about collaborating on that. I hope to have at least some of that info in there soon.
Great resource – thanks for making it available.
Should Aer Lingus be included ?
Yes, it should be shown as a non alliance partner of some airlines such as BA. Working on it.
Thanks so much. Excellent.
Very helpful Greg, would also be really helpful to see average transfer times for each combination of points/airline (I doubt you have all this info off the top of your head but I’ve seen similar posts from other bloggers and I’m sure you could source your readers for a lot of it)
That’s a good idea. Readers, please reply to HoKo’s comment with info about how long various transfers took. For example:
MR to BA: Instant
MR to Singapore: initiated on Friday evening, complete Sunday afternoon
etc.
Thanks for the great doc 🙂
Thank you!!!
Wow! Thanks. This is wonderful.
Great tool!! Thanks for sharing.
Great stuff! Most definitely a download and save!
Thanks. Actually, better to bookmark the page so that you’ll automatically get the most updated copy.
This is very helpful, thanks. There is some news about Air India joining Star Alliance. Have you included that?
No, I don’t actually list all of the alliance members. I just show which alliance each airline belongs to among the airlines that are transfer partners with UR, MR, and SPG. Air India isn’t one of them.
Thanks for doing this!
Let me add my thanks for this and the other googledocs. Some information goes out of date quickly as promotions and loopholes live and die, but these updated sheets are great and a reason I continue to come back to the blog everyday!
This is incredibly useful — thanks! Any chance you can add Diners on there? I know it’s rare, but I know quite a bit of old timers like myself who still have (and use) it.
Hmmm, I guess I can add Diners if there is much interest in it. Anyone else?