# Transfer Partners Tool: See Exactly What Your Points Become Before You Transfer

## A points transfer is a one-way door

Credit card points are only worth what you turn them into. Chase, Amex,
Capital One, Citi, Bilt and others let you move points into dozens of
airline and hotel programs, but the rate isn't always 1:1, some transfers
take days, and once the points land they almost never come back.

The Transfer Tool shows you, for any pair of programs, the **transfer
ratio**, the **typical processing time**, how many miles or points you'll
actually receive, and whether a **transfer bonus** is running right now.
It covers more than 160 transfer routes between 9 points currencies
(8 bank and fintech programs plus Marriott Bonvoy) and 50+ airline and
hotel programs.

---

## How to use the Transfer Tool

The tool has two tabs: **Direct Transfers** and **Multi-Hop**.

1. **Pick your points in "Flexible Points (From)".** Choose the currency
   you hold, for example Chase Ultimate Rewards. The "To" list narrows to
   the programs that currency can reach.

2. **Or start from the program you need.** Pick an airline or hotel in
   "Transfer Partners (To)" first and the "From" list narrows to the
   currencies that transfer there. This is the fastest way to answer
   "which of my points can get me to United?"

3. **Read the ratio and transfer time.** As soon as both sides are set,
   the tool shows the transfer ratio and the typical time the transfer
   takes to post.

4. **Enter an amount (optional).** Type the number of points you plan to
   move in "Points to transfer" and the tool shows how many you'll
   receive.

5. **Check for a bonus.** If the pair has an active transfer bonus, an
   "Active Transfer Bonus" box shows the bonus rate and end date, and the
   bonus miles are added to your total automatically. A banner above the
   tool also counts all bonuses running today and links to the
   [Transfer Bonus Tracker](/tools/transfer-bonus).

6. **Use Multi-Hop for indirect routes.** On the Multi-Hop tab, pick the
   points you hold and the program you want to reach. The tool lists the
   direct path (if there is one) plus every path through one intermediate
   program, best rate first, with what 1,000 points become at the end.

Use **Reset** to clear both fields and start over.

---

## How to read a transfer ratio

A ratio of **A:B** means A points out of your account become B points in
the partner program.

| Ratio shown | What 1,000 points become | Example in the data |
| --- | --- | --- |
| 1:1 | 1,000 | Chase to United MileagePlus |
| 1:2 | 2,000 | Amex to Hilton Honors |
| 1:1.6 | 1,600 | Amex to Aeromexico Rewards |
| 5:4 | 800 | Amex to Cathay Pacific Asia Miles |
| 4:3 | 750 | Capital One to Japan Airlines |
| 3:2 | 666 | Bilt to Accor Live Limitless |
| 3:1 | 333 | Marriott Bonvoy to most airlines |

Some ratios appear in the tool in an unreduced form. **2:1.5 is the same
as 4:3**, and **1:0.8 is the same as 5:4**.

A bigger number on the right isn't automatically a better deal. The
AwardHack [Points Valuator](/tools/pointsvalue) currently values Hilton
points at about 0.59 cents each and Air Canada Aeroplan miles at about
1.87 cents. So 1,000 Amex points sent to Hilton at 1:2 are worth roughly
**$11.80**, while the same 1,000 points sent to Aeroplan at 1:1 are worth
roughly **$18.70**. Always compare value, not just the number of points.

---

## Worked example: 60,000 points, three different outcomes

**1. Amex to Flying Blue with a bonus.** In October 2026, Amex ran a 25%
bonus on transfers to Air France-KLM Flying Blue (October 1 to 31). Select
Amex Membership Rewards and Flying Blue, enter 60,000, and the tool shows:

- Base transfer at 1:1: **60,000 miles**
- 25% bonus: **15,000 miles**
- You receive: **75,000 Flying Blue miles**

Same points, 25% more miles, just by timing the transfer.

**2. Marriott to United.** Select Marriott Bonvoy and United, enter
60,000, and the tool shows **20,000 miles** at the standard 3:1 rate.
Marriott has long added extra miles on 60,000-point transfers to most
airlines (and a larger amount for United), but the tool shows the base
rate only, so check Marriott's transfer page for the current bonus.
Either way, that's a steep conversion compared with a 1:1 bank transfer.

**3. Amex to Alaska Airlines, which Amex doesn't partner with.** Amex has
no direct route to Alaska Airlines (Atmos Rewards). On the Multi-Hop tab,
select Amex Membership Rewards and Alaska Airlines, and the tool finds one
path: Amex to Marriott at 1:1, then Marriott to Alaska at 3:1. Result:
**1,000 Amex points become about 333 Alaska miles**. It works, but it
costs two-thirds of your points' mileage. Bilt, which transfers to Alaska
at 1:1, is the far better source if you have it.

---

## Transfer facts: what 170+ transfer routes tell us

These figures come from the tool's transfer data and the AwardHack
transfer bonus tracker, as of October 2026.

### Most bank transfers are 1:1 and instant

Of the 144 transfer routes from bank and fintech currencies (everything
except Marriott Bonvoy), **about 78% transfer at 1:1** and **about 73%
typically post instantly**. The exceptions are where you lose value
without noticing: Emirates, Cathay Pacific, JetBlue, Japan Airlines, EVA
Air, Accor and (for most Chase cards) World of Hyatt all have at least
one source that transfers at less than 1:1.

### The same airline can have very different ratios

Emirates Skywards is the clearest example. Five currencies transfer to it
at four different rates:

| Source | Ratio | 1,000 points become |
| --- | --- | --- |
| Bilt Rewards | 1:1 | 1,000 |
| Amex Membership Rewards | 5:4 | 800 |
| Citi ThankYou Rewards | 5:4 | 800 |
| Capital One Miles | 4:3 | 750 |
| Brex Rewards | 3:2 | 666 |

If you hold more than one currency, the tool's "To first" search shows
you every source for a program so you can pick the cheapest one.

### Flying Blue is the one program everyone reaches

Air France-KLM Flying Blue is the only program that **every currency in
the tool** transfers to: Chase, Amex, Capital One, Citi, Bilt, Wells
Fargo, Rove, Brex and Marriott Bonvoy. Virgin Atlantic Flying Club and
Avianca LifeMiles come close.

### The big US airlines are locked to one or two banks

| Airline program | Bank points that transfer at 1:1 |
| --- | --- |
| United MileagePlus | Chase, Bilt |
| American Airlines AAdvantage | Citi |
| Delta SkyMiles | Amex |
| Alaska Airlines (Atmos Rewards) | Bilt |
| Southwest Rapid Rewards | Chase, Bilt |

Marriott Bonvoy also reaches all five, but at 3:1. If you fly one US
airline most of the time, this table matters more than any other when
picking a card.

### Marriott has the most partners, at the worst rate

Marriott Bonvoy transfers to **35 airline programs**, more than any bank
currency, but almost all at 3:1 (Air New Zealand is 200:1). Some of those
airlines, including LATAM, Virgin Australia, Asiana and Aegean, can't be
reached from any bank currency in the tool. Marriott is also the bridge
that makes the Multi-Hop tab work: Chase, Amex and Bilt all transfer to
Marriott at 1:1.

### Transfer bonuses are frequent and predictable

The AwardHack tracker has logged nearly 500 transfer bonuses since 2017.
In the 12 months to October 2026 it recorded **88 bonuses**. Chase ran the
most (23), followed by Amex (16) and Citi (15). The most common bonus
sizes were **30%**, **20%** and **25%**, and the programs that received
bonuses most often were Virgin Atlantic Flying Club, Air France-KLM Flying
Blue and Avianca LifeMiles. See what's live on the
[Transfer Bonus Tracker](/tools/transfer-bonus), or check when a bonus is
likely to return with the
[Transfer Bonus Predictor](/tools/transfer-bonus-predictor).

---

## Recent transfer partner changes

Ratios and partners change several times a year. Recent changes that
affect the tables below:

- **October 1, 2026:** Chase to World of Hyatt dropped from 1:1 to 4:3
  for Sapphire Preferred, Ink Business Preferred and some legacy Ink
  cards. Sapphire Reserve cardholders still transfer at 1:1.
- **September 23, 2026:** Bilt added Amtrak Guest Rewards at 2:1.
- **September 1, 2026:** Rove added Copa Airlines ConnectMiles at 1:1.
- **July 15, 2026:** Rove added Qantas Frequent Flyer at 1:1.
- **July 1, 2026:** Rove added Frontier Miles at 1:1.
- **June 30, 2026:** Amex ended transfers to Etihad Guest. Bilt, Capital One,
  Citi and Rove still transfer to Etihad at 1:1.
- **June 2026:** Bilt added Preferred Hotels (I Prefer) at 1:2.
- **April 2026:** Wells Fargo added Cathay Pacific Asia Miles at 1:1, and
  Rove added Virgin Atlantic Flying Club and Virgin Red at 1:1.
- **March 25, 2026:** Bilt added Wyndham Rewards at 1:1.
- **March 1, 2026:** Amex to Cathay Pacific Asia Miles dropped from 1:1
  to 5:4.
- **February 25, 2026:** Chase added Wyndham Rewards at 1:1, its first
  new partner since Aeroplan in 2021.
- **January 13, 2026:** Capital One to Emirates Skywards dropped from 1:1
  to 4:3.
- **August 2025:** Marriott ended transfers to HawaiianMiles as Hawaiian
  moved into Alaska's program, now called Atmos Rewards. Marriott still
  transfers to Alaska at 3:1.

---

## Which points transfer to which program

The fastest way to plan a booking is to start from the program you want
to book with. Here are the bank and fintech currencies that reach the
most popular programs (ratio in parentheses when it isn't 1:1).

| Program | Points that transfer there |
| --- | --- |
| Air Canada Aeroplan | Chase, Amex, Capital One, Bilt, Rove |
| Air France-KLM Flying Blue | Chase, Amex, Capital One, Citi, Bilt, Wells Fargo, Rove, Brex (3:2) |
| Avianca LifeMiles | Amex, Capital One, Citi, Bilt, Wells Fargo, Brex (3:2) |
| British Airways Avios | Chase, Amex, Capital One, Bilt, Wells Fargo |
| Cathay Pacific Asia Miles | Capital One, Citi, Bilt, Wells Fargo, Rove, Amex (5:4), Brex (3:2) |
| Emirates Skywards | Bilt, Amex (5:4), Citi (5:4), Capital One (4:3), Brex (3:2) |
| Japan Airlines Mileage Bank | Citi, Bilt, Rove, Capital One (4:3) |
| ANA Mileage Club | Amex |
| Qatar Airways Privilege Club | Amex, Capital One, Citi, Bilt, Rove |
| Singapore Airlines KrisFlyer | Chase, Amex, Capital One, Citi, Brex (3:2) |
| Turkish Airlines Miles&Smiles | Capital One, Citi, Bilt, Rove |
| Virgin Atlantic Flying Club | Chase, Amex, Capital One, Citi, Bilt, Wells Fargo, Rove |
| JetBlue TrueBlue | Chase, Citi, Wells Fargo, Amex (5:4), Capital One (5:3) |
| World of Hyatt | Bilt, Chase (1:1 or 4:3 depending on card) |
| Hilton Honors | Bilt, Amex (1:2) |
| IHG One Rewards | Chase, Bilt |
| Marriott Bonvoy | Chase, Amex, Bilt |

Knowing which program to book with comes first. The
[Routes](/tools/route-finder) tool shows which airlines fly your route
and which programs can book them, and the
[Award Flight Pricer](/award-charts) shows how many miles each program
charges.

---

## Transfer partners by points currency

Each table lists every partner for that currency, the ratio, and the
typical time for points to post. Times are typical, not guaranteed.


### Chase Ultimate Rewards (14)

Chase has the shortest list of the big banks, but it includes United,
Southwest and World of Hyatt, which most other banks don't. To transfer,
you generally need a Sapphire Preferred, Sapphire Reserve or Ink Business
Preferred card.

**Hyatt note:** Since October 1, 2026, Chase transfers to Hyatt at 4:3
(750 Hyatt points per 1,000) for Sapphire Preferred, Ink Business
Preferred and some legacy Ink cardholders. Sapphire Reserve cardholders
keep 1:1.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Aer Lingus AerClub | 1:1 | Instant |
| Air Canada Aeroplan | 1:1 | Instant |
| Air France-KLM Flying Blue | 1:1 | 1 hour |
| British Airways Avios | 1:1 | Instant |
| Iberia Avios | 1:1 | Instant |
| IHG One Rewards | 1:1 | 1 day |
| JetBlue TrueBlue | 1:1 | Instant |
| Marriott Bonvoy | 1:1 | 2 days |
| Singapore Airlines KrisFlyer | 1:1 | 1-2 days |
| Southwest Rapid Rewards | 1:1 | Instant |
| United MileagePlus | 1:1 | Instant |
| Virgin Atlantic Flying Club | 1:1 | Instant |
| World of Hyatt | 1:1 or 4:3 (see note) | Instant |
| Wyndham Rewards | 1:1 | Varies |

### Amex Membership Rewards (20)

Amex is the only bank currency that transfers to Delta SkyMiles and ANA
Mileage Club. Its weak spots are Cathay Pacific, Emirates and JetBlue,
all at less than 1:1.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Aer Lingus AerClub | 1:1 | Instant |
| Aeromexico Rewards | 1:1.6 (1,600 per 1,000) | 2-12 days |
| Air Canada Aeroplan | 1:1 | Instant |
| Air France-KLM Flying Blue | 1:1 | Instant |
| ANA Mileage Club | 1:1 | 2-3 days |
| Avianca LifeMiles | 1:1 | Instant |
| British Airways Avios | 1:1 | Instant |
| Cathay Pacific Asia Miles | 5:4 (800 per 1,000) | 1-7 days |
| Choice Privileges | 1:1 | Instant |
| Delta SkyMiles | 1:1 | Instant |
| Emirates Skywards | 5:4 (800 per 1,000) | Instant |
| Hilton Honors | 1:2 (2,000 per 1,000) | Up to 24 hours |
| Iberia Avios | 1:1 | 1-3 days |
| JetBlue TrueBlue | 5:4 (800 per 1,000) | Instant |
| Leaders Club (Leading Hotels of the World) | 4:1 (250 per 1,000) | Instant |
| Marriott Bonvoy | 1:1 | Instant |
| Qantas Frequent Flyer | 1:1 | Instant |
| Qatar Airways Privilege Club | 1:1 | Instant |
| Singapore Airlines KrisFlyer | 1:1 | 1-2 days |
| Virgin Atlantic Flying Club | 1:1 | 1-2 days |

### Capital One Miles (23)

Capital One has one of the longest partner lists, but it doesn't reach
United, American, Delta, Alaska or Southwest. Its value is in
international programs like Aeroplan, Flying Blue, Avios, Turkish and
Qatar.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Accor Live Limitless | 2:1 (500 per 1,000) | Up to 48 hours |
| Aeromexico Rewards | 1:1 | Instant |
| Air Canada Aeroplan | 1:1 | Instant |
| Air France-KLM Flying Blue | 1:1 | Instant |
| Avianca LifeMiles | 1:1 | Instant |
| British Airways Avios | 1:1 | Instant |
| Cathay Pacific Asia Miles | 1:1 | Up to 5 days |
| Choice Privileges | 1:1 | Up to 24 hours |
| Emirates Skywards | 4:3 (750 per 1,000) | Instant |
| Etihad Guest | 1:1 | Up to 36 hours |
| EVA Air Infinity MileageLands | 4:3 (750 per 1,000) | Up to 36 hours |
| Finnair Plus | 1:1 | Instant |
| Japan Airlines Mileage Bank | 4:3 (750 per 1,000) | Instant |
| JetBlue TrueBlue | 5:3 (600 per 1,000) | Instant |
| Preferred Hotels (I Prefer) | 1:2 (2,000 per 1,000) | Instant |
| Qantas Frequent Flyer | 1:1 | Up to 36 hours |
| Qatar Airways Privilege Club | 1:1 | Instant |
| Singapore Airlines KrisFlyer | 1:1 | Instant |
| TAP Air Portugal Miles&Go | 1:1 | Instant |
| Turkish Airlines Miles&Smiles | 1:1 | Up to 24 hours |
| Virgin Atlantic Flying Club | 1:1 | Instant |
| Virgin Red | 1:1 | Instant |
| Wyndham Rewards | 1:1 | Instant |

### Citi ThankYou Rewards (22)

Citi is the only bank currency that transfers to American Airlines
AAdvantage. Citi's ratios depend on your card: the table shows rates for
premium ThankYou cards, and points from no-annual-fee Citi cards transfer
at a lower rate to many partners.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Accor Live Limitless | 2:1 (500 per 1,000) | Up to 48 hours |
| Aeromexico Rewards | 1:1 | Instant |
| Air France-KLM Flying Blue | 1:1 | Instant |
| American Airlines AAdvantage | 1:1 | Instant |
| Avianca LifeMiles | 1:1 | Instant |
| Cathay Pacific Asia Miles | 1:1 | Instant |
| Choice Privileges | 1:1.5 (1,500 per 1,000) | Instant |
| Emirates Skywards | 5:4 (800 per 1,000) | Instant |
| Etihad Guest | 1:1 | Instant |
| EVA Air Infinity MileageLands | 1:1 | 2 days |
| Japan Airlines Mileage Bank | 1:1 | Instant |
| JetBlue TrueBlue | 1:1 | Instant |
| Leaders Club (Leading Hotels of the World) | 5:1 (200 per 1,000) | Instant |
| Preferred Hotels (I Prefer) | 1:2 (2,000 per 1,000) | Instant |
| Qantas Frequent Flyer | 1:1 | Instant |
| Qatar Airways Privilege Club | 1:1 | 2 days |
| Singapore Airlines KrisFlyer | 1:1 | 2 days |
| Thai Airways Royal Orchid Plus | 1:1 | 4 days |
| Turkish Airlines Miles&Smiles | 1:1 | 1-2 days |
| Virgin Atlantic Flying Club | 1:1 | 2 days |
| Virgin Red | 1:1 | 2 days |
| Wyndham Rewards | 1:1 | Up to 24 hours |

### Bilt Rewards (26)

Bilt transfers almost everything at 1:1, including United, Alaska
(Atmos Rewards), Hyatt and Emirates.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Accor Live Limitless | 3:2 (666 per 1,000) | Instant |
| Aer Lingus AerClub | 1:1 | Instant |
| Air Canada Aeroplan | 1:1 | Instant |
| Air France-KLM Flying Blue | 1:1 | Instant |
| Alaska Airlines (Atmos Rewards) | 1:1 | Instant |
| Amtrak Guest Rewards | 2:1 (500 per 1,000) | Not published |
| Avianca LifeMiles | 1:1 | Instant |
| British Airways Avios | 1:1 | Instant |
| Cathay Pacific Asia Miles | 1:1 | Instant |
| Emirates Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | Instant |
| Hilton Honors | 1:1 | Instant |
| Iberia Avios | 1:1 | Instant |
| IHG One Rewards | 1:1 | Instant |
| Japan Airlines Mileage Bank | 1:1 | Instant |
| Marriott Bonvoy | 1:1 | Instant |
| Preferred Hotels (I Prefer) | 1:2 (2,000 per 1,000) | Instant |
| Qatar Airways Privilege Club | 1:1 | Instant |
| Southwest Rapid Rewards | 1:1 | Instant |
| TAP Air Portugal Miles&Go | 1:1 | Instant |
| Turkish Airlines Miles&Smiles | 1:1 | Instant |
| United MileagePlus | 1:1 | Instant |
| Virgin Atlantic Flying Club | 1:1 | Instant |
| Virgin Red | 1:1 | Instant |
| World of Hyatt | 1:1 | Instant |
| Wyndham Rewards | 1:1 | Instant |

### Wells Fargo Rewards (11)

Wells Fargo's list leans on Avios programs (British Airways, Iberia, Aer
Lingus) and Flying Blue, plus Cathay Pacific and two hotel programs at
1:2.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Aer Lingus AerClub | 1:1 | Instant |
| Air France-KLM Flying Blue | 1:1 | Instant |
| Avianca LifeMiles | 1:1 | Instant |
| British Airways Avios | 1:1 | Instant |
| Cathay Pacific Asia Miles | 1:1 | Varies |
| Choice Privileges | 1:2 (2,000 per 1,000) | Instant |
| Iberia Avios | 1:1 | Instant |
| JetBlue TrueBlue | 1:1 | Instant |
| Virgin Atlantic Flying Club | 1:1 | Instant |
| Virgin Red | 1:1 | Instant |
| Wyndham Rewards | 1:2 (2,000 per 1,000) | Instant |

### Rove Miles (21)

Rove reaches several programs no bank currency in the tool does, including
Lufthansa Miles & More, SAS EuroBonus, Air India and Vietnam Airlines.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Accor Live Limitless | 3:2 (666 per 1,000) | Instant |
| Aeromexico Rewards | 1:1 | Instant |
| Air Canada Aeroplan | 1:1 | Instant |
| Air France-KLM Flying Blue | 1:1 | Instant |
| Air India | 1:1 | Instant |
| Cathay Pacific Asia Miles | 1:1 | Instant |
| Copa Airlines ConnectMiles | 1:1 | Not published |
| Etihad Guest | 1:1 | Instant |
| Finnair Plus | 1:1 | Instant |
| Frontier Miles | 1:1 | Not published |
| Hainan Airlines | 1:1 | Instant |
| Japan Airlines Mileage Bank | 1:1 | Instant |
| Lufthansa Miles & More | 1:1 | Instant |
| Qantas Frequent Flyer | 1:1 | Instant |
| Qatar Airways Privilege Club | 1:1 | Instant |
| SAS EuroBonus | 1:1 | Instant |
| Thai Airways Royal Orchid Plus | 1:1 | Instant |
| Turkish Airlines Miles&Smiles | 1:1 | Instant |
| Vietnam Airlines | 1:1 | Instant |
| Virgin Atlantic Flying Club | 1:1 | Instant |
| Virgin Red | 1:1 | Instant |

### Brex Rewards (7)

Brex is a business rewards program. Every Brex transfer in the tool is
3:2, so 1,000 Brex points become 666 miles.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Aeromexico Rewards | 3:2 (666 per 1,000) | Up to 1 business day |
| Air France-KLM Flying Blue | 3:2 (666 per 1,000) | Up to 1 business day |
| Avianca LifeMiles | 3:2 (666 per 1,000) | Up to 1 business day |
| Cathay Pacific Asia Miles | 3:2 (666 per 1,000) | Up to 1 business day |
| Emirates Skywards | 3:2 (666 per 1,000) | Up to 1 business day |
| Qantas Frequent Flyer | 3:2 (666 per 1,000) | Up to 1 business day |
| Singapore Airlines KrisFlyer | 3:2 (666 per 1,000) | Up to 1 business day |

### Marriott Bonvoy (35)

Marriott points transfer to airlines at 3:1 (Air New Zealand is 200:1,
and converts to Airpoints Dollars rather than miles). Marriott has long
added bonus miles on 60,000-point transfers to most airlines, which the
tool doesn't include, so check Marriott's transfer page before you move
points.

| Transfer partner | Ratio | Typical time |
| --- | --- | --- |
| Aegean Airlines | 3:1 | 10 days |
| Aer Lingus AerClub | 3:1 | 5 days |
| Aeromexico Rewards | 3:1 | 2 days |
| Air Canada Aeroplan | 3:1 | 5 days |
| Air France-KLM Flying Blue | 3:1 | 1 day |
| Air New Zealand | 200:1 (5 per 1,000) | 2 days |
| Alaska Airlines (Atmos Rewards) | 3:1 | 2 days |
| American Airlines AAdvantage | 3:1 | 2 days |
| ANA Mileage Club | 3:1 | 7 days |
| Asiana | 3:1 | 10 days |
| Avianca LifeMiles | 3:1 | Not published |
| British Airways Avios | 3:1 | 5 days |
| Cathay Pacific Asia Miles | 3:1 | 2 days |
| Copa Airlines | 3:1 | Not published |
| Delta SkyMiles | 3:1 | 2 days |
| Emirates Skywards | 3:1 | 4 days |
| Etihad Guest | 3:1 | 3 days |
| Frontier Airlines | 3:1 | Not published |
| Hainan Airlines | 3:1 | 7 days |
| Iberia Avios | 3:1 | 6 days |
| InterMiles | 3:1 | Not published |
| Japan Airlines Mileage Bank | 3:1 | 7 days |
| LATAM | 3:1 | 2 days |
| Qantas Frequent Flyer | 3:1 | 2 days |
| Qatar Airways Privilege Club | 3:1 | 3 weeks |
| Saudia Alfursan | 3:1 | Not published |
| Singapore Airlines KrisFlyer | 3:1 | 7 days |
| Southwest Rapid Rewards | 3:1 | 2 days |
| TAP Air Portugal Miles&Go | 3:1 | Not published |
| Thai Airways Royal Orchid Plus | 3:1 | 10 days |
| Turkish Airlines Miles&Smiles | 3:1 | 1 day |
| United MileagePlus | 3:1 | 2 days |
| Virgin Atlantic Flying Club | 3:1 | 1 day |
| Virgin Australia | 3:1 | 2 days |
| Vueling | 3:1 | Not published |

---

## Tips before you transfer

**Find the award seat first.** Transfers are almost always one-way and
final. Confirm the seat is bookable with the program before you move a
single point. The [Award Booking Guide](/tools/award-booking-guide) shows
which programs book which airlines and when they release award seats.

**Watch the slow transfers.** Most bank transfers are instant, but some
aren't: Amex to ANA typically takes 2 to 3 days and Amex to Aeromexico
2 to 12 days. Marriott transfers often take days or weeks. Award space can
disappear while you wait.

**Transfer only what you need.** Points sitting in an airline program are
exposed to that program's devaluations. Points left in your bank account
keep all their options open.

**Time it with a bonus when you can.** A 25% or 30% bonus is common, and
on a big transfer that's thousands of free miles. If you don't need to
book today, check the [Transfer Bonus Predictor](/tools/transfer-bonus-predictor)
before you move points.

**Match the names on both accounts.** Transfers usually require the name
on your loyalty account to match the name on your card or bank account.
Fix any mismatch before you start.

---

## What the Transfer Tool doesn't do

Being clear about limits saves you from surprises:

- **No award prices or availability.** The tool tells you what your points
  become, not what a flight costs. Use the
  [Award Flight Pricer](/award-charts) for miles pricing, then confirm
  seats with the airline.
- **One ratio per pair.** Some banks set different ratios by card (Citi's
  no-fee cards, Chase Sapphire Preferred vs. Reserve to Hyatt). The
  calculator uses one standard ratio for each pair and shows a note where
  the ratio depends on your card, so check your card's terms.
- **No Marriott airline bonus.** Marriott's extra miles on 60,000-point
  transfers aren't included in the calculation.
- **"Up to" bonuses use the top rate.** When a bonus is tiered ("up to
  35%"), the calculator applies the highest tier, which may require a
  larger transfer or a specific card.
- **Multi-Hop goes through one stop.** Paths can include at most one
  intermediate program. In practice that's Marriott Bonvoy, the only
  program in the data that both receives and sends points.
- **Partner lists change.** Banks add and drop partners several times a
  year. Confirm the ratio on your bank's transfer page before you submit.

---

## Frequently asked questions

### What are Chase's transfer partners?

Chase Ultimate Rewards transfers at 1:1 to Aer Lingus, Air Canada
Aeroplan, Air France-KLM Flying Blue, British Airways, Iberia, JetBlue,
Singapore Airlines, Southwest, United, Virgin Atlantic, IHG, Marriott
Bonvoy and Wyndham. World of Hyatt is 1:1 for Sapphire Reserve
cardholders and 4:3 for Sapphire Preferred and Ink Business Preferred
cardholders since October 1, 2026.

### Which credit card points transfer to United?

Chase Ultimate Rewards and Bilt Rewards both transfer to United
MileagePlus at 1:1. Marriott Bonvoy points also transfer to United, at
3:1. Amex, Capital One and Citi don't transfer to United.

### Which credit card points transfer to American Airlines or Delta?

Citi ThankYou Rewards is the only bank currency that transfers to
American Airlines AAdvantage, and Amex Membership Rewards is the only one
that transfers to Delta SkyMiles. Both are 1:1. Marriott Bonvoy reaches
both at 3:1.

### How long do points transfers take?

Most bank transfers post instantly or within a few minutes. In the tool's
data, about three-quarters of bank and fintech transfers are typically
instant. Some take longer, such as Amex to ANA (2 to 3 days) and most
Marriott to airline transfers (often 2 days or more). Search the pair in
the tool to see its typical time.

### Can I undo a points transfer?

Almost never. Once points land in an airline or hotel program, banks
generally won't move them back. That's why it's worth confirming award
availability before you transfer.

### Which bank has the most transfer partners?

Capital One, Citi and Bilt each transfer to more than 20 partners. Amex
has around 20, and Chase has the shortest list of the big banks. Marriott
Bonvoy transfers to 35 airlines, but at 3:1. More partners isn't always
better: the right partners for the trips you take matter more.

### Is a 1:2 transfer better than a 1:1 transfer?

Not necessarily. You get more points, but hotel points are usually worth
less each. 1,000 Amex points become 2,000 Hilton points, worth roughly
$11.80 by AwardHack's current valuation, while 1,000 Amex points sent to
Aeroplan are worth roughly $18.70.

### How often do transfer bonuses happen?

Often. AwardHack's tracker logged 88 transfer bonuses in the 12 months to
October 2026, most commonly 20% to 30%. The Transfer Tool adds any active
bonus to your total automatically, and the
[Transfer Bonus Tracker](/tools/transfer-bonus) lists every bonus live
today.

### Should I transfer Marriott points to airlines?

Usually only to top off an account or reach an airline no bank currency
can. At 3:1, 60,000 Marriott points become 20,000 miles before any
Marriott bonus. If you have bank points that transfer to the same
airline at 1:1, use those instead.

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## The bottom line

The transfer ratio decides how far your points go, and it varies more
than most people expect: the same 1,000 points can become 1,000, 800, 750
or 666 Emirates miles depending on where they come from. Search your pair
in the Transfer Tool, check for a bonus, and confirm award space before
you move anything. Then use the [Award Flight Pricer](/award-charts) to
make sure the program you're transferring to is the cheapest way to book.

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Source: https://awardhack.com/tools/transferTool | Updated 2026-10-13