Where can I transfer Chase, Citi, American Express, Capital One and Marriott points?

Bookmark this page. It’s our master guide to which “transferable points” transfer to which airlines and hotels

Last Updated: June 2024

I love “transferable currency” credit cards like the Chase Sapphire Reserve / Chase Sapphire Preferred / Chase Freedom Unlimited which earn Chase Ultimate Rewards points, the Citi Premier and Prestige, the American Express Membership Rewards line, as well as the Chase Marriott Bonvoy Boundless credit card and the American Express Marriott credit cards.

Recently, Capital One has joined the mix with the Capital One Venture Rewards Credit Card and the Capital One Spark Miles for Business and they keep adding new partners, with 19 as of today.

Why do I love transferable point credit cards so much?

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 Marriott 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 Marriott and then transfer to JAL or Asiana – but the transfer ratio from Amex to Marriott is abysmal at 1 Marriott for 1 Amex point (when an Amex point is worth 3X what a Marriott Bonvoy point is). Most of these types of schemes don’t create very good value.

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 from 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.

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 and Transfer Times

* Note that all stated transfer times are approximate, not guaranteed, and based on a combination of my own experiences and data from around the web. American Express also charges an excise fee as noted in the table for US airline partners of up to $99.  For this reason, it’s best to use Amex MR points with non-US programs.

• Guide to American Express Membership Rewards

Chase Ultimate Rewards Transfer Partners and Transfer Times

* Note that all stated transfer times are approximate, not guaranteed, and based on a combination of my own experiences and data from around the web.

• Guide to Chase Ultimate Rewards

Chase Sapphire Preferred® Card ENDS by NOV 14, 2024: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus, get up to $300 in Chase Travel statement credits in the first year of account opening for any purchases made on Chase Travel. How to apply for this offer.

Marriott Bonvoy Transfer Partners and Transfer Times

Marriott Bonvoy Business® American Express® Card: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. Terms apply. | How to apply for this offer.

* I’ve omitted transfer times for Marriott at present since I don’t have enough data at this time. For an idea, you can reference this FlyerTalk thread.

If you see something off or had an experience counter to what is in the chart, please let me know.

Questions?

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.