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Where can I transfer Chase, Citi, American Express, and SPG points? Bookmark this post.

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Bookmark this page. Refer to it the next time you are wondering if X transfers to Y.

I love “transferable currency” credit cards like the Chase Sapphire Reserve / Preferred / Unlimited, the Citi Prestige / Premier, the American Express (Amex) Membership Rewards line, and the Starwood Preferred Guest (SPG) credit card.  Why?

Because they all have a huge range of transfer partners and so when I need an award flight, I’m not limited to one program’s abysmal availability. I can transfer from my banks of transferable miles to whatever airline has the best routing and availability for what I need.

Still, knowing where you may be most likely to redeem should affect what credit cards you carry.  For instance, there are some real sweet spots in the JAL and Asiana award charts – and only SPG can transfer to those airlines.  ANA has a great deal on roundtrips to Asia – but you’ll need American Express Membership Rewards points to transfer to ANA.

Keep in mind there are ways to be a bit creative even within the transferable currencies. For example, you *could* transfer your American Express Membership Rewards points into SPG and then transfer to JAL or Asiana – but the transfer ratio from Amex to SPG is abysmal at 1 SPG for 3 Amex points. That kills the deal there, so if you want to accumulate SPG, you should have the SPG credit cards.

Please always bear in mind that you need to confirm availability on any airline or hotel partner. Transfers are irreversible. If you were to transfer to an airline and there is no availability for the flight you wanted, the points are now stuck in that partner program.  It never hurts to call and see if the airline can put an award flight on hold for you as you are transferring points. The ability to do this varies airline to airline (and sometimes even agent to agent).  Many programs transfer instantly online, but many do not.

Let’s look at each of the program’s transfer partners and exchange ratios (As of July 2017).


Take special note of the partners in each list that I have put in bold/italics. These represent a partner that is ONLY transferable from that one single program.

American Express Membership Rewards Transfer Partners



Aeromexico1:1.6 (1,000 Amex = 1,600 Aeromexico)
Air Canada Aeroplan1 : 1
Air France Flying Blue1 : 1
Alitalia1 : 1
ANA1 : 1 (transfers only from Amex and SPG)
Cathay Pacific Asia Miles1 : 1
British Airways Avios1 : 1
Emirates1 : 1
Etihad Guest1 : 1
Hawaiian Airlines1 : 1 (transfers only from Amex and SPG)
Iberia Avios1 : 1
JetBlue TrueBlue250 : 200
Singapore Airlines KrisFlyer1 : 1
Virgin America Elevate2 : 1 (this partnership will end soon due to merger with Alaska)
Virgin Atlantic1 : 1



Choice Hotels1 :1
Hilton1 : 1.5
SPG1:3 (one SPG is just 333 Amex points)


Chase Ultimate Rewards Transfer Partners


British Airways Avios1:1
Air France Flying Blue1:1
Korean Air Skypass1:1
Singapore Airlines KrisFlyer1:1
Southwest Airlines1:1
United MileagePlus1 : 1 (bolded because while SPG can transfer to UA, you only get one mile for 2 points which is a TERRIBLE deal)
Virgin Atlantic Flying Club 1:11:1



Ritz Carlton1:1
IHG – Intercontinental1:1


Citi Thank You Transfer Partners


JetBlue TrueBlue1:0.8 (1,000 Citi = 800 JetBlue)
Cathay Pacific AsiaMiles1:1
Etihad Guest1:1
Eva Air1:1
Air France Flying Blue1:1
Garuda Indonesia1:1
Jet Airways Jet Privilege1:1
Malaysia Airlines Enrich1:1
Qatar Privilege Club

Thai Orchid Plus

Virgin Atlantic

Singapore Airlines KrisFlyer




Hilton1:1.5 (1:2 until Sept 20, 2017)


Starwood Preferred Guest (SPG) Transfer Partners

Aegean Airlines1:1
Aeromexico Club Premier1:1
Aeroplan/Air Canada1:1
Air Berlin1:1
Air China Companion1:1
Air New Zealand Airpoints65:1
Alaska Airlines Mileage Plan1:1
Alitalia MileMiglia1:1
All Nippon Airways (ANA) Mileage Club1:1
American Airlines AAdvantage1:1
Asia Miles1:1
Asiana Airlines1:1
British Airways Executive Club1:1
China Eastern Airlines1:1
China Southern Airlines Sky Pearl Club1:1
Delta Air Lines SkyMiles1:1
Emirates Skywards1:1
Etihad Airways1:1
Flying Blue1:1
Gol Smiles2:1
Hainan Airlines1:1
Hawaiian Airlines1:1
Iberia Plus1:1
Japan Airlines (JAL) Mileage Bank1:1
Jet Airways1:1
Korean Air1:1
LATAM Airlines LATAM Pass1:1.5
LifeMiles® of Avianca1:1
Lufthansa Miles and More1:1
Qatar Airways1:1
Saudi Arabian Airlines1:1
Singapore Airlines KrisFlyer1:1
Thai Airways International Royal Orchid Plus1:1
United Mileage Plus2:1
Virgin Atlantic Flying Club1:1
Virgin Australia1:1


In the market for a new credit card earning any of these currencies? Please consider using the Credit Card Offers section of this site.

Stay tuned for more articles with specific sweet spots for some of the lesser known programs.

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