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 |
|---|---|---|
| Credit Card Points | Singapore Airlines Offering 12-15% Transfer Bonus, Stack With Status Promo | 2021/11/22 |
| Amex | 25% transfer bonus to Flying Blue from American Express | 2021/11/30 |
| Capital One | 20% transfer bonus to Flying Blue from Capital One | 2021/11/30 |
| Capital One | 25% transfer bonus to LifeMiles from Capital One | 2021/12/17 |
| Citi | 25% transfer bonus to LifeMiles from Citi | 2021/12/17 |
| Brex | 25% transfer bonus to LifeMiles from Brex | 2021/12/17 |
| Chase | 50% transfer bonus to Marriott Bonvoy from Chase Ultimate Rewards | 2021/12/24 |
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) | Marriott 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 LimitlessBest Uses: Use to pay hotel bill with value of 2 Euro cents per point. In some cases (such as hotel to airline transfer bonuses) it may make sense to convert Accor points to the following airline miles at a 1 to 1 ratio: Finnair, Iberia, Qantas, or Virgin Australia | 1000 to 500 (Unknown) | ||||||
Air Canada AeroplanBest 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) | 60K to 25K (4 to 5 days) | 1 to 1 (Instant) | 1 to 1 (Unknown) | ||
Air France KLM Flying BlueBest 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. | 1 to 1 (~10 minutes to 1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (1 to 3 days) | 1 to 1 (Instant) | 1 to 1 (Unknown) | 1 to 1 (Unknown) |
Alaska MileagePlanBest Uses: Alaska Airlines has a number of great partners and offers reasonable award prices for most of them. Unlike most other programs, Alaska allows stop-overs one one-way awards. This makes it possible to stretch award value much further. Travel Codex offers an excellent overview to booking Alaska Airlines awards here. | 60K to 25K (~2 days) | ||||||
American AAdvantageBest 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. | 60K to 25K (~2 days) | 1 to 1 (Unknown) | |||||
ANA Mileage ClubBest 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) | 60K to 25K (4 to 7 days) | |||||
AsianaBest Uses: Redeem only 50K miles for one-way first class Star Alliance awards between US and Europe! Beware very high fuel surcharges when flying airlines such as Lufthansa. | 60K to 25K (~1 day) | ||||||
Avianca LifeMilesBest 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) | 60K to 25K (~1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | ||
Cathay Pacific Asia MilesBest 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) | 60K to 25K (~1 day) | 1 to 1 (4 to 5 days) | 1 to 1 (Unknown) | ||
HyattBest 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. One hidden bonus: award nights are not subject to resort fees. | 1 to 1 (Instant) | 1 to 1 (Unknown) | |||||
JAL (Japan Airlines) Mileage BankBest Uses: JAL has a distance based partner award chart. Depending upon the length of the flights, this can lead to great award prices on partners such as Emirates and Korean Air. | 60K to 25K (~2 days) | ||||||
Korean AirlinesBest Uses: Korean Air is known for having top notch business and first class on their international flights. Plus, first class tends to be wide open for awards. Korean is also a fantastic program for booking certain partner awards. For example, it is possible to book Delta flights from the US mainland to Hawaii for only 25,000 points round trip in coach or 45,000 points in first class. | 60K to 25K (~1 day) | ||||||
United MileagePlusBest Uses: Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United usually charges more miles for the same awards that are bookable with other Star Alliance miles. One good use of miles is to make use of United's Excursionist Perk awards. United no longer charges change or cancellation fees on awards cancelled at least 30 days prior to booking. | 1 to 1 (Instant) | 60K to 27.5K (2 to 5 days) |
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) | Marriott Transfer Ratio (and transfer time) | Capital One Transfer Ratio (and transfer time) | Brex Transfer Ratio (and transfer time) | Bilt Transfer Ratio (and transfer time) |
|---|---|---|---|---|---|---|---|
| Aegean Miles + Bonus | 60K to 25K (~1 day) | ||||||
| Aer Lingus Avios | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (Unknown) | ||||
| Aeroflot Bonus | 60K to 25K (Unknown) | ||||||
| AeroMexico ClubPremier | 1 to 1.6 (1 to 2 days) | 1 to 1 (~6 days) | 60K to 25K (2 to 4 days) | 1 to 1 (Instant) | 1 to 1 (Unknown) | ||
| Air Canada Aeroplan | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (4 to 5 days) | 1 to 1 (Instant) | 1 to 1 (Unknown) | ||
| Air China Phoenix Miles | 60K to 25K (Unknown) | ||||||
| Air France KLM Flying Blue | 1 to 1 (~10 minutes to 1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (1 to 3 days) | 1 to 1 (Instant) | 1 to 1 (Unknown) | 1 to 1 (Unknown) |
| Air New Zealand Air Points | 60K to 307 (1 to 2 days) | ||||||
| Alaska MileagePlan | 60K to 25K (~2 days) | ||||||
| Alitalia MilleMiglia | 1 to 1 (Instant) | 60K to 25K (Unknown) | |||||
| American AAdvantage | 60K to 25K (~2 days) | 1 to 1 (Unknown) | |||||
| ANA Mileage Club | 1 to 1 (~1 day) | 60K to 25K (4 to 7 days) | |||||
| Asiana | 60K to 25K (~1 day) | ||||||
| Avianca LifeMiles | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (~1 day) | 1 to 1 (Instant) | 1 to 1 (Instant) | ||
| British Airways Avios | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (~10 hours) | 1 to 1 (Unknown) | |||
| Cathay Pacific Asia Miles | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (~1 day) | 1 to 1 (4 to 5 days) | 1 to 1 (Unknown) | ||
| 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 | 1 to 1 plus excise tax (Instant) | 60K to 25K (1 to 2 days) | |||||
| Emirates Skywards | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (~3 days) | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Unknown) |
| Etihad Guest | 1 to 1 (Instant) | 1 to 1 (~1 hour) | 60K to 25K (3 to 5 days) | 1 to 1 (Instant) | |||
| EVA Air Infinity MileageLands | 1 to 1 (Instant) | 1000 to 750 (~1 day) | |||||
| Finnair Plus+ | 1 to 1 (Instant) | ||||||
| Frontier Miles | 60K to 25K (Unknown) | ||||||
| Hainan Airlines | 60K to 25K (12 hours to 1 day) | ||||||
| Hawaiian Miles | 1 to 1 plus excise tax (Instant) | 60K to 25K (1 to 2 days) | 1 to 1 (Unknown) | ||||
| Iberia Avios | 1 to 1 (~12 - 72 hours (slower over weekend)) | 1 to 1 (Instant) | 60K to 25K (~1 to 2 days) | ||||
| JAL (Japan Airlines) Mileage Bank | 60K to 25K (~2 days) | ||||||
| Jet Airways Inter Miles | 1 to 1 (Instant) | 60K to 25K (~7 days) | |||||
| JetBlue | 250 to 200 plus excise tax (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 12.5K (Unknown) | |||
| Korean Airlines | 60K to 25K (~1 day) | ||||||
| LATAM Pass | 60K to 25K (~1 day) | ||||||
| Malaysia Enrich | 1 to 1 (1 to 2 days) | ||||||
| Multiplus | 60K to 25K (Unknown) | ||||||
| Qantas Frequent Flyer | 1 to 1 (Instant) | 1 to 1 (~1 day) | 60K to 25K (~2 days) | 1 to 1 (~1 day) | 1 to 1 (Unknown) | ||
| Qatar Privilege Club | 1 to 1 (1 to 2 days) | 60K to 25K (3 to 4 days) | |||||
| Saudia Airlines | 60K to 25K (~5 days) | ||||||
| Singapore Airlines KrisFlyer | 1 to 1 (Instant) | 1 to 1 (~17 hours) | 1 to 1 (~1 day) | 60K to 25K (~1 day) | 1 to 1 (~7 hours) | 1 to 1 (Unknown) | |
| South African Airways Voyager | 60K to 25K (Unknown) | ||||||
| Southwest Rapid Rewards | 1 to 1 (Instant) | 60K to 25K (1 to 2 days) | |||||
| TAP Air Portugal | 60K to 25K (Unknown) | 1 to 1 (Unknown) | |||||
| Thai Airways International Royal Orchid Plus | 1 to 1 (3 to 7 days) | 60K to 25K (~4 days) | |||||
| Turkish Airlines Miles & Smiles | 1 to 1 (~1 day) | 60K to 25K (~1 day) | 1 to 1 (Instant) | 1 to 1 (Unknown) | |||
| United MileagePlus | 1 to 1 (Instant) | 60K to 27.5K (2 to 5 days) | |||||
| Virgin Atlantic Flying Club | 1 to 1 (Instant) | 1 to 1 (Instant) | 1 to 1 (Instant) | 60K to 25K (1 to 2 days) | 1 to 1 (Unknown) | ||
| Virgin Australia Velocity Frequent Flyer | 60K to 25K (Unknown) | ||||||
| Vueling Club | 60K to 25K (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 Program | Amex Indirect Transfer | Chase Indirect Transfer | Citi Indirect Transfer | Marriott Indirect Transfer | Capital One Indirect Transfer | Brex Indirect Transfer | Bilt Indirect Transfer |
|---|---|---|---|---|---|---|---|
| Aer Lingus Avios | 1 to 1 via British Airways | ||||||
| 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 | |||||
| Iberia Avios | 1 to 1 via British Airways | ||||||
| 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 | |||||
| LATAM Pass | 50K to 50K via Hyatt | 50K to 50K via Hyatt | |||||
| Qantas Frequent Flyer | 50K to 30K via Hyatt | 6K to 3K via Accor | 50K to 30K via Hyatt | ||||
| Qatar Privilege Club | 50K to 25K via Hyatt | 50K to 25K 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) | Marriott 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 Not Yet Available (Unknown) | ||||
| Hilton | 1 to 2 (1 day) | ||||||
| Hyatt | 1 to 1 (Instant) | 1 to 1 (Unknown) | |||||
| IHG | 1 to 1 (5 hours) | 1 to 1 (Unknown) | |||||
| 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 | Marriott 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 | 120K to 75K via Virgin Atlantic | 10K to 15K via Virgin Atlantic | |||
| IHG | 10K to 10K via Virgin Atlantic | 10K to 10K via Virgin Atlantic | 120K to 50K via Virgin Atlantic | ||||
| Wyndham | 2 to 1 via Hawaiian (1 to 1) then Caesar's Total Rewards (2 to 1) | 60K to 12.5K via Hawaiian (60K to 25K) 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) | Marriott 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 | Marriott Indirect Transfer | Capital One Indirect Transfer | Brex Indirect Transfer | Bilt Indirect Transfer |
|---|---|---|---|---|---|---|---|
| Amtrak Guest Rewards | 12.5K to 5K via JetBlue | 10K to 5K via JetBlue | 10K to 5K via JetBlue |
See Also
- Amex Transfer Partners
- Capital One Transfer Partners
- Chase Transfer Partners
- Citi Transfer Partners
- Marriott Transfer Partners
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 […]