Transfer Partner Master List

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Amex 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.

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:

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:

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 ProgramAmex 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)
Air Canada Aeroplan

Best Uses: Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know.

1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Unknown)
Air France KLM Flying Blue

Best Uses: Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France offers very good business class award pricing between the US and Europe & Israel.

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 (Unknown)
American AAdvantage

Best Uses: Best for AA's web special awards or for partner awards such as Cathay Pacific business class, Qatar business class, Etihad first class, etc. AA no longer charges change or cancellation fees on awards.

1 to 1 (Unknown)
ANA Mileage Club

Best Uses: Redeem for Star Alliance flights. Multiple stopovers allowed. ANA offers many great sweet-spot awards, including flying around the world in business class for as few as 115K miles! See also: ANA - a terrific Membership Rewards gem.

1 to 1 (~1 day)
Avianca LifeMiles

Best Uses: Avianca LifeMiles can be great for Star Alliance awards. They offer reasonable award prices and no fuel surcharges on awards. They also offer shorthaul awards within the US (for flying United, for example) for as few as 7,500 miles one-way. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details.

1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)
Cathay Pacific Asia Miles

Best Uses: Cathay Pacific has a decent distance based award chart, but they no longer allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of first class by adding on a business class flight. See this post for details.

1 to 1 (Instant)1 to 1 (Instant)1 to 1 (4 to 5 days)1 to 1 (Unknown)1 to 1 (Unkown)
Hyatt

Best Uses: Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth at least 1.5 cents each, but they’re sometimes worth far more. Bonus: award nights are not subject to resort fees.

1 to 1 (Instant)1 to 1 (Unknown)
United MileagePlus

Best Uses: United offers free award changes, and free cancelations 30+ days before departure. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. Good uses of miles include United's Excursionist Perk awards and (sometimes) dynamically priced United economy awards.

1 to 1 (Instant)1 to 1 (Unknown)

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 ProgramAmex 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 Avios1 to 1 (Instant)1 to 1 (Instant)1 to 1 via Qatar, BA (1 to 2 days)1 to 1 via BA (Unknown)
AeroMexico ClubPremier1 to 1.6 (1 to 2 days)1 to 1 (~6 days)1 to 1 (Instant)1 to 1 (Unknown)
Air Canada Aeroplan1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Unknown)
Air France KLM Flying Blue1 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 (Unknown)
American AAdvantage1 to 1 (Unknown)
ANA Mileage Club1 to 1 (~1 day)
Avianca LifeMiles1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)
British Airways Avios1 to 1 (Instant)1 to 1 (Instant)1 to 1 via Qatar (1 to 2 days)1 to 1 (Unknown)
Cathay Pacific Asia Miles1 to 1 (Instant)1 to 1 (Instant)1 to 1 (4 to 5 days)1 to 1 (Unknown)1 to 1 (Unkown)
Delta SkyMiles1 to 1 plus excise tax (Instant)
Emirates Skywards1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Unknown)
Etihad Guest1 to 1 (Instant)1 to 1 (~1 hour)1 to 1 (Instant)
EVA Air Infinity MileageLands1 to 1 (Instant)1000 to 750 (~1 day)
Finnair Plus+1 to 1 (Instant)
Hawaiian Miles1 to 1 plus excise tax (Instant)1 to 1 (Unknown)
Iberia Avios1 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)
Jet Airways Inter Miles1 to 1 (Instant)
JetBlue250 to 200 plus excise tax (Instant)1 to 1 (Instant)1 to 1 (Instant)
Malaysia Enrich1 to 1 (1 to 2 days)
Qantas Frequent Flyer1 to 1 (Instant)1 to 1 (~1 day)1 to 1 (~1 day)1 to 1 (Unknown)
Qatar Privilege Club Avios1 to 1 via BA (Instant)1 to 1 via BA (Instant)1 to 1 (1 to 2 days)1 to 1 via BA (Unknown)
Singapore Airlines KrisFlyer1 to 1 (Instant)1 to 1 (~17 hours)1 to 1 (~1 day)1 to 1 (~7 hours)1 to 1 (Instant)
Southwest Rapid Rewards1 to 1 (Instant)
TAP Air Portugal1 to 1 (Unknown)
Thai Airways International Royal Orchid Plus1 to 1 (3 to 7 days)
Turkish Airlines Miles & Smiles1 to 1 (~1 day)1 to 1 (Instant)1 to 1 (Unknown)
United MileagePlus1 to 1 (Instant)1 to 1 (Unknown)
Virgin Atlantic Flying Club1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Instant)1 to 1 (Unknown)1 to 1 (Unknown)

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 ProgramAmex Indirect TransferChase Indirect TransferCiti Indirect TransferCapital One Indirect TransferBrex Indirect TransferBilt Indirect Transfer
AeroMexico ClubPremier50K to 50K via Hyatt50K to 50K via Hyatt
Air China Phoenix Miles50K to 40K via Hyatt50K to 40K via Hyatt
American AAdvantage50K to 25K via Hyatt
ANA Mileage Club50K to 25K via Hyatt50K to 25K via Hyatt
Asiana50K to 25K via Hyatt50K to 25K via Hyatt
Cathay Pacific Asia Miles50K to 25K via Hyatt50K to 25K via Hyatt
China Southern Airlines’ Sky Pearl Club50K to 25K via Hyatt50K to 25K via Hyatt
Delta SkyMiles50K to 25K via Hyatt50K to 25K via Hyatt
Etihad Guest50K to 25K via Hyatt50K to 25K via Hyatt
Hawaiian Miles50K to 25K via Hyatt50K to 25K via Hyatt
JAL (Japan Airlines) Mileage Bank50K to 25K via Hyatt50K to 25K via Hyatt
Korean Airlines50K to 25K via Hyatt50K to 25K via Hyatt
LATAM Pass50K to 50K via Hyatt50K to 50K via Hyatt
Qantas Frequent Flyer50K to 30K via Hyatt6K to 3K via Accor50K to 30K via Hyatt
Royal Brunei Royal Skies50K to 25K via Hyatt50K to 25K via Hyatt
Thai Airways International Royal Orchid Plus50K to 25K via Hyatt50K to 25K via Hyatt
Virgin Australia Velocity Frequent Flyer8K to 4K via Accor

Hotel Loyalty Programs

Direct Transfers to Hotel Loyalty Programs

Rewards ProgramAmex 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 Limitless1000 to 500 (Unknown)
Choice1 to 1 (Instant)1 to 2 (Instant)1 to 1 (Instant)
Hilton1 to 2 (1 day)
Hyatt1 to 1 (Instant)1 to 1 (Unknown)
IHG1 to 1 (5 hours)1 to 1 (Unknown)
Marriott Bonvoy1 to 1 (~1 day)1 to 1 (~1 day)
Wyndham1 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 ProgramAmex Indirect TransferChase Indirect TransferCiti Indirect TransferCapital One Indirect TransferBrex Indirect TransferBilt Indirect Transfer
Hilton10K to 15K via Virgin Atlantic10K to 15K via Virgin Atlantic10K to 15K via Virgin Atlantic10K to 15K via Virgin Atlantic
IHG10K to 10K via Virgin Atlantic10K to 10K via Virgin Atlantic10K to 10K via Virgin Atlantic10K to 10K via Virgin Atlantic
Wyndham2 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 ProgramAmex 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 Rewards1 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 ProgramAmex Indirect TransferChase Indirect TransferCiti Indirect TransferCapital One Indirect TransferBrex Indirect TransferBilt Indirect Transfer
Amtrak Guest Rewards12.5K to 5K via JetBlue10K to 5K via JetBlue10K to 5K via JetBlue

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Frank

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.

Mike

Another site that has similar info that I use as a reference often is travelbabel.com

Axel

British Airways is completely missing from this list.
Also Amex indirect transfers to Airlines via Marriott to AAdvantage for example.

[…] Good reference to bookmark: Transfer Partner Master List. […]

Jeff

Where have the Amex transfer bonuses to airlines gone? It’s been all hotels since early 2020.

[…] 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 […]

WR2

El Al transfers don’t go away until Jan 1, so you still have a few months to make a really bad decision.

[…] 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 […]

adam garrett

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.

[…] 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 […]

wise2u

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.

Richard

Thank you for taking the time and energy to do this!

TheMonkeyTech

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.

Tyler

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?

Tyler

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. […]

Bob

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.

[…] 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 […]

Pat Damore

” 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 […]

Leonardo

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!

[…] 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 […]

[…] 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 […]

Shogo

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…)

Shogo

(Note aside: for completeness’ sake, maybe add filters for Diners Club and Citi TY Pts…?)

[…] 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 […]

kiki

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!

Alexandra

Very helpful! thanks

Stephen

Awesome stuff, thanks!

B.K.

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.

HoKo

MR = Membership rewards (Amex)
UR = Ultimate rewards (Chase)

JustSaying

UR is Chase Ultimate Rewards which has the base Ink Bold and Ink Plus as foundations for all 5X……..

B.K.

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.

Shogo

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.

Josh

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.

iwantmoremiles

Is there any way you could add which airlines charge fuel surcharge since it would make a difference which one I would transfer to.

JustSaying

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…………

Gee

Great resource – thanks for making it available.

Should Aer Lingus be included ?

Curt

Thanks so much. Excellent.

HoKo

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)

Kitster

Thanks for the great doc 🙂

FlyingCajun

Thank you!!!

Dee

Wow! Thanks. This is wonderful.

JosieWales

Great tool!! Thanks for sharing.

JustSaying

Great stuff! Most definitely a download and save!

kk

This is very helpful, thanks. There is some news about Air India joining Star Alliance. Have you included that?

P T

Thanks for doing this!

JW

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!

A. S.

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.