Updates:
- This post now includes indirect transfer partners (transfer to one program in order to then transfer to another)
- Added Brex transfer partners
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 as well as from Marriott Bonvoy.
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
Tips
Read all about each program:
- Amex Membership Rewards Complete Guide
- Brex Cash
- Capital One “Rewards miles” Complete Guide
- Chase Ultimate Rewards Complete Guide
- Citi ThankYou Rewards Complete Guide
- Marriott Bonvoy Complete Guide
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 and Citi often offer improved transfer ratios through limited time transfer bonuses. And, sometimes airlines offer bonuses for transfers from hotels so that can be a good way to use Marriott points.
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 Sortable |
Transfer Points to 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. Note though that Amex has waived these fees during the COVID pandemic.
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 | Chase Transfer Ratio | Citi Transfer Ratio | Marriott Transfer Ratio | Capital One Transfer Ratio | Brex Transfer Ratio |
|---|---|---|---|---|---|---|
| Aegean Miles + Bonus | 60K to 25K | |||||
| Aeroflot Bonus | 60K to 25K | |||||
| AeroMexico ClubPremier | 1 to 1.6 | 50K to 50K* | 1 to 1 | 60K to 25K | 1000 to 750 | 1 to 1 |
| Air Canada Aeroplan | 1 to 1 | 60K to 25K | 1000 to 750 | |||
| Air China Phoenix Miles | 50K to 40K* | 60K to 25K | ||||
| Air France KLM Flying Blue | 1 to 1 | 1 to 1 | 1 to 1 (instant) | 60K to 25K | 1000 to 750 | 1 to 1 |
| Air New Zealand Air Points | 60K to 307 | |||||
| Alaska MileagePlan | 60K to 25K | |||||
| Alitalia MilleMiglia | 1 to 1 | 60K to 25K | 1000 to 750 | |||
| American AAdvantage | 50K to 25K* | 60K to 25K | ||||
| ANA Mileage Club | 1 to 1 | 50K to 25K* | 60K to 25K | |||
| Asiana | 50K to 25K* | 60K to 25K | ||||
| Avianca LifeMiles | 1 to 1 | 1 to 1 (instant) | 60K to 25K | 1000 to 750 | 1 to 1 | |
| Avios | 1 to 1 | 1 to 1 | 60K to 25K | 6000 to 3000* | ||
| Cathay Pacific Asia Miles | 1 to 1 | 50K to 25K* | 1 to 1 (instant) | 60K to 25K | 1000 to 750 | 1 to 1 |
| China Eastern Airlines | 60K to 25K | |||||
| China Southern Airlines’ Sky Pearl Club | 50K to 25K* | 60K to 25K | ||||
| Copa Airlines ConnectMiles | 60K to 25K | |||||
| Delta SkyMiles | 1 to 1 plus excise tax | 50K to 25K* | 60K to 25K | |||
| Emirates Skywards | 1 to 1 | 1 to 1 (instant) | 1 to 1 | 60K to 25K | 1000 to 500 | 1 to 1 |
| Etihad Guest | 1 to 1 | 50K to 25K* | 1 to 1 (~1 week) | 60K to 25K | 1000 to 750 | |
| EVA Air Infinity MileageLands | 1 to 1 (~2 days) | 1000 to 750 | ||||
| Finnair Plus+ | 1000 to 750 | |||||
| Frontier Miles | 60K to 25K | |||||
| Hainan Airlines | 60K to 25K | |||||
| Hawaiian Miles | 1 to 1 plus excise tax | 50K to 25K* | 60K to 25K | |||
| JAL (Japan Airlines) Mileage Bank | 50K to 25K* | 60K to 25K | ||||
| Jet Airways Inter Miles | 1 to 1 (instant) | 60K to 25K | ||||
| JetBlue | 250 to 200 plus excise tax | 1 to 1 | 1 to 1 (instant) | 60K to 12.5K | 1000 to 750 | 1 to 1 |
| Korean Airlines | 50K to 25K* | 60K to 25K | ||||
| LATAM Pass | 50K to 50K* | 60K to 25K | ||||
| Malaysia Enrich | 1 to 1 (~2 days) | |||||
| Miles & More | Suspended | |||||
| Multiplus | 60K to 25K | |||||
| Qantas Frequent Flyer | 1 to 1 | 50K to 30K* | 1 to 1 (~2 days) | 60K to 25K | 1000 to 750 | 1 to 1 |
| Qatar Privilege Club | 50K to 25K* | 1 to 1 (~2 days) | 60K to 25K | |||
| Royal Brunei Royal Skies | 50K to 25K* | |||||
| Saudia Airlines | 60K to 25K | |||||
| Singapore Airlines KrisFlyer | 1 to 1 | 1 to 1 | 1 to 1 (~2 days) | 60K to 25K | 1000 to 500 | 1 to 1 |
| South African Airways Voyager | 60K to 25K | |||||
| Southwest Rapid Rewards | 1 to 1 | 60K to 25K | ||||
| TAP Air Portugal | 60K to 25K | |||||
| Thai Airways International Royal Orchid Plus | 50K to 25K* | 1 to 1 (~1 week) | 60K to 25K | |||
| Turkish Airlines Miles & Smiles | 1 to 1 (~2 days) | 60K to 25K | ||||
| United MileagePlus | 1 to 1 (instant) | 60K to 27.5K | ||||
| Virgin Atlantic Flying Club | 1 to 1 | 1 to 1 | 1 to 1 (instant) | 60K to 25K | ||
| Virgin Australia Velocity Frequent Flyer | 60K to 25K | 8000 to 4000* | ||||
| Vueling Club | 60K to 25K |
* In some cases it is possible to transfer to an airline program indirectly by first transferring to a different program. Transfer ratios shown above with asterisks are the indirect transfers.
| Rewards Program | Indirect Transfer Notes |
|---|---|
| AeroMexico ClubPremier | * Transfer first to Hyatt. Transfer 50K from Hyatt to AeroMexico. Not recomended. |
| Air China Phoenix Miles | * Transfer first to Hyatt. Transfer 50K from Hyatt to 40K Air China. Not recomended. |
| American AAdvantage | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K AA. I don't recommend this. |
| ANA Mileage Club | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K ANA. This could be useful for topping off the miles you need for an award. |
| Asiana | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Asiana. This could be useful for topping off the miles you need for an award. |
| Avios | * Transfer first to Accor, then convert Accor points 3000 to 3000 to Iberia Avios |
| Cathay Pacific Asia Miles | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Cathay. I don't recommend this. |
| China Southern Airlines’ Sky Pearl Club | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K China Southern. I don't recommend this. |
| Delta SkyMiles | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Delta. I don't recommend this. |
| Etihad Guest | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Etihad. I don't recommend this. |
| Hawaiian Miles | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Hawaiian. I don't recommend this. Please don't do this. |
| JAL (Japan Airlines) Mileage Bank | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K JAL. This could be useful for topping off the miles you need for an award. |
| Korean Airlines | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Korean. This could be useful for topping off the miles you need for an award. |
| LATAM Pass | * Transfer first to Hyatt. Transfer 50K from Hyatt to LATAM. |
| Qantas Frequent Flyer | * Transfer first to Hyatt. Transfer 50K from Hyatt to 30K Qantas. Not recomended. |
| Qatar Privilege Club | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Qatar. This could be useful for topping off the miles you need for an award. |
| Royal Brunei Royal Skies | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Royal Brunei. I don't know of any other way to get these miles (other than flying), so there may be uses for this transfer. Who knows? |
| Thai Airways International Royal Orchid Plus | * Transfer first to Hyatt. Transfer 50K from Hyatt to 25K Thai Airways. I don't recommend this. |
| Virgin Australia Velocity Frequent Flyer | * Transfer first to Accor, then convert Accor points 4000 to 4000 to Virgin Australia Velocity |
Transfer Points to Hotel Loyalty Programs
| Rewards Program | Amex Transfer Ratio | Chase Transfer Ratio | Citi Transfer Ratio | Marriott Transfer Ratio | Capital One Transfer Ratio | Brex Transfer Ratio |
|---|---|---|---|---|---|---|
| Accor Live Limitless | 1000 to 500 | |||||
| Choice | 1 to 1 | |||||
| Hilton | 1 to 2 | 2 to 3* | 2 to 3* | 60K to 37.5K* | ||
| Hyatt | 1 to 1 | |||||
| IHG | 1 to 1* | 1 to 1 | 1 to 1* | 60K to 25K* | ||
| Marriott Bonvoy | 1 to 1 | 1 to 1 | ||||
| Wyndham | 2 to 1* | 60K to 12.5K* | 1000 to 750 |
* In some cases it is possible to transfer to a hotel program indirectly by first transferring to a different program. Transfer ratios shown above with asterisks are the indirect transfers.
| Rewards Program | Indirect Transfer Notes |
|---|---|
| Hilton | * Transfer first to Virgin Atlantic, then convert Virgin Atlantic miles 1 to 1.5 to Hilton. Since Hilton points are usually worth only around .45 cents each towards free nights, this isn’t usually a good idea. |
| IHG | * Transfer first to Virgin Atlantic, then convert Virgin Atlantic miles 1 to 1 to IHG. Note: I do not recommend this. See: Virgin Atlantic transfers to IHG no longer count towards status |
| Wyndham | * Transfer to Hawaiian Airlines miles, then to Caesar's Total Rewards 2 to 1, then to Wyndham 1 to 1. Details here. |
Transfer Points to Other Loyalty Programs
| Rewards Program | Amex Transfer Ratio | Chase Transfer Ratio | Citi Transfer Ratio | Marriott Transfer Ratio | Capital One Transfer Ratio | Brex Transfer Ratio |
|---|---|---|---|---|---|---|
| Amtrak Guest Rewards | 250 to 100 plus excise tax* | 2 to 1* | 2 to 1* | 60K to 6.25K* | 1000 to 375* | 2 to 1* |
| Shop Your Way Rewards | 1 to 10 |
* In some cases it is possible to transfer to this program indirectly by first transferring to a different program. Transfer ratios shown above with asterisks are the indirect transfers.
| Rewards Program | Indirect Transfer Notes |
|---|---|
| Amtrak Guest Rewards | * Transfer first to JetBlue then, via Points.com, transfer to Amtrak at a 2 to 1 ratio (i.e. 10K JetBlue = 5K Amtrak) |
See Also
- Amex Transfer Partners
- Capital One Transfer Partners
- Chase Transfer Partners
- Citi Transfer Partners
- Marriott Transfer Partners
