we love it transferable credit card points and miles here at TPG.
The ability to transfer your rewards to a wide range of airline and hotel loyalty programs provides valuable flexibility to maximize your trip. You are not locked into a single redemption plan while planning your trips. If you can’t find available seats on a program, you can choose another program before transferring points or miles from your credit card. If a program devalues your currency without notice, you can switch to a different program for your next points or miles transfer.
With dozens of different transfer possibilities, it can be difficult to remember how many options you have.
Here’s a helpful guide that breaks down which credit card points and miles you can transfer to which airline and hotel programs, along with their respective transfer fees. We also list our valuation for each transfer partner so you can get the best value and maximize your hard-earned points and miles.
Air transfer partners
*You can transfer Citi ThankYou Rewards points at a 1:1 ratio with certain Citi cards: Citi Prestige® Card, Citi Strata Elite℠ Card (see rates and fees) and Citi Strata Premier® Card (see rates and fees). Rewards with other Citi cards transfer at a 1:0.7 ratio.
Citi Prestige information has been independently compiled by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
There are some important notes to highlight regarding these transfer partners:
- Many transfers are instant, although you should consult our guides on transfer times to American Express, Bilt, capital one, Chase and Wells Fargo for more details.
- Can transfer Avios between Aer Lingus AerClub, British Airways Club, Finnair Plus, Iberia Club and Qatar Airways Privilege Club accounts in either direction at a 1:1 ratio.
- Programs occasionally offer transfer bonuses, which we highlight in our frequent update guide to transfer bonuses.
Finally, except for EVA Air Infinity MileageLands and Finnair Plus, you can transfer Marriott Bonvoy points to all partner airlines listed above at a rate of 3 Bonvoy points per 1 point or airline mile. You will receive 5,000 bonus points or airline miles for every 60,000 Bonvoy points transferred, except with the following airline programs: American Airlines AAdvantage, Avianca LifeMiles and Delta SkyMiles. Additionally, United MileagePlus awards 10,000 bonus miles for every 60,000 points transferred.
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Related: Should you transfer hotel points to partner airlines?
Hotel Transfer Partners
As with transfers to partner airlines, most transfers to partner hotels are instant, although you can read more in our guides mentioned above on transfer times for Amex, Bilt, Capital One, Chase, Citi, and Wells Fargo.
Related: Why you should dominate some credit card transfer partners and (most likely) leave the rest behind
How to earn transferable points or miles
The best way to earn transferable credit card points or miles is with the right credit card. Here’s a look at your best options.
American Express Membership Rewards
These are the most popular cards that win American Express Membership Rewards needles:
you can too Earn Amex points by signing up for Rakuten and set your earning preference to Membership Rewards points instead of cash back.
Bilt Rewards
Bilt offers a credit card, the Bilt Mastercard®. Cardholders can earn rewards on rental payments (up to 100,000 Bilt Points in a calendar year), plus 2 points per dollar spent on travel (airfare, hotels, cruises and rental cars) and 3 points per dollar spent on dining.
You must complete at least five transactions per statement period to earn points. Best of all, the Bilt Mastercard has no annual fee.
Bilt Mastercard information has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One miles
Here are the cards that currently earn transferables Capital One miles:
Capital One Spark Miles Select for Business card information has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Pursue ultimate rewards
Here are the fully transferable winning cards. Pursue ultimate rewards needles:
However, if you have one of these cards, you can also combine your rewards of refund cards like him Chase Freedom Flex® (see rates and fees) and the Chase Unlimited Freedom® (see rates and fees) into a single account, effectively converting those cashback earnings into fully transferable Ultimate Rewards points.
Ink Business Preferred information has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Citi Thank You Rewards
Citi Thank You Rewards has 21 airline and hotel transfer partners, plus a retail partnership with Shop Your Way. If you hold the Citi Prestige, elite strata either Premier StrataYou can take advantage of these partners in their complete transfer rates.
However, just like with Chase Ultimate Rewards points, you can combine your Citi ThankYou Rewards points into a single account for select products. This unlocks the full transfer relationships. If you transfer from one of these cards without having a Citi premium card, you’ll get a transfer ratio of 1:0.7:
Citi Custom Cash Card information has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Rewards
Although Wells Fargo offers multiple credit cardsincluding several that earn cash rewards, you can currently only earn transferable rewards. Wells Fargo Rewards points with the following cards:
Related: How to choose the best credit card for you
In a nutshell
There are many transfer options available among the major credit card loyalty programs. Transferable points and miles are generally more valuable than points or miles from any airline or hotel because they give you the added flexibility of choosing where and when to send your rewards.
Bookmark this cheat sheet to learn your options when applying for your next credit card to accumulate transferable points or miles or decide on your next exchange.
Related: These Apps and Websites Make Reward Redemptions Easier to Find
