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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 / Chase Sapphire Preferred / Chase Freedom Unlimited, the Citi Premier and Prestige, the American Express Membership Rewards line, as well as the Chase Marriott Rewards Premier Plus credit card and the American Express Marriott credit cards (Learn More).

Recently, Capital One has joined the mix with the Capital One Venture Rewards Credit Card (Learn More) and the Capital One Spark Miles for Business (Learn More)

Your Best Credit Cards 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 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 Marriott is abysmal at 1 SPG for 3 Amex points. That kills the deal there, so if you want to accumulate Marriott, you should have the Marriott credit cards – though they only earn 2/3 what they used to.

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 (As of May 2019).

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  
Transfer RatioApproximate Transfer Time *
Aeromexico1:1.6 (1,000 Amex = 1,600 Aeromexico)~4-7 days
Aer Lingus1:1Instant
Air Canada Aeroplan1:1Instant
Air France Flying Blue1:1Instant
ANA1 : 1 (transfers only from Amex and SPG)~2-3 days
British Airways Avios1:1Instant
Cathay Pacific Asia Miles1:1~1-2 days
Delta1:1 (subject to excise tax)Instant
El Al Matmid1,000:20Instant
Etihad Guest1:1Instant
Hawaiian Airlines1:1 (transfers only from Amex and Marriott)Instant
Iberia Avios1:1~1-2 days
JetBlue TrueBlue250 : 200 (subject to excise tax)Instant
Singapore Airlines KrisFlyer1:1~ 1 day
Virgin Atlantic1:1Instant
Choice Hotels1:1Instant
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* 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.

Chase Ultimate Rewards Transfer Partners  
Transfer RatioExpected Transfer Time *
Aer Lingus Avios1:1Instant
Air France Flying Blue1:1Instant (note recent tech issues may delay)
British Airways Avios1:1Instant
Iberia Avios1:1Instant
Singapore Airlines KrisFlyer1:1~ 1 - 2 days
Southwest Airlines1:1Instant
United MileagePlus1:1Instant
Virgin Atlantic Flying Club1:1Instant
Marriott1:1~ 1-2 days
Ritz Carlton1:1~ 1-2 days
IHG – Intercontinental1:1~ 24 hours

* 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.

Citi ThankYou Transfer Partners  
Transfer RatioApproximate Transfer Time *
Air France Flying Blue1:1Instant
Avianca LifeMiles1:1Generally instant.
Cathay Pacific AsiaMiles 1:1~ 1 day
Etihad Guest1:1~3-7 days
Eva Air1:1~1-3 days
Garuda Indonesia1:1~1-2 days
Jet Airways1:1Instant
JetBlue TrueBlue 1:1Instant
Malaysia Airlines Enrich1:1~1-7 days
Qantas1:1~2-10 days
Qatar Privilege Club1:1~2 days
Singapore Airlines1:1~1-2 days
Thai Orchid Plus1:1~3-7 days
Turkish Airlines1:11-2 days
Virgin Atlantic1:1Instant to 2 days

* 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. Citi has some of the most interesting partners outside of the US, but transfer times are instant far less often than with Ultimate Rewards or Membership Rewards and a bit more erratic as well.

Your Best Credit Cards

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Capital One Miles  
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)2:1.5TBD
Air France / KLM Flying Blue2:1.5TBD
Cathay Pacific2:1.5TBD
Singapore Airlines KrisFlyer2:1TBD

* These transfers only began in December 2018. I will update transfer times when we know them.

Marriott Rewards  
Transfer RatioExpected Transfer Time
Aegean Airlines3:13-9 days
Aeroflot Bonus3:1TBD
Aeroplan/Air Canada3:12-5 days
Air China3:1TBD
Air France / KLM Flying Blue3:!TBD
Air New Zealand Airpoints200:1TBD
Alaska Airlines Mileage Plan3:12-10 days
Alitalia MileMiglia3:1TBD
All Nippon Airways (ANA) Mileage Club3:13 weeks
American Airlines AAdvantage3:1Generally 2 days (reports of up to 10 days)
Asia Miles3:1TBD
Asiana Airlines3:13-7 days
Avianca LifeMiles3:1TBD
British Airways Executive Club3:1TBD
China Eastern Airlines3:1TBD
China Southern Airlines Sky Pearl Club3:1TBD
Delta Air Lines SkyMiles3:12 days
Emirates Skywards3:1TBD
Etihad Airways3:1TBD
Hainan Airlines3:1TBD
Hawaiian Airlines3:1TBD
Iberia Plus3:1TBD
Japan Airlines (JAL) Mileage Bank3:1Approx. 1 week
Jet Airways3:1TBD
Korean Air3:1TBD
LATAM Airlines LATAM Pass3:1TBD
Qatar Airways3:1TBD
South African Airways Voyager3:1TBD
Singapore Airlines KrisFlyer3:1TBD
TAP Portugal3:!TBD
Thai Airways International Royal Orchid Plus3:1TBD
Turkish Airlines Miles&Smiles3:1TBD
United Mileage Plus3:1.1TBD
Virgin Atlantic Flying Club3:1TBD
Virgin Australia3:1TBD

* I’ve omitted transfer times for Marriott at present since I don’t have enough data post-SPG integration 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.

In the market for a new credit card earning any of these currencies? Please see the current signup bonuses for Travel Rewards Credit Cards.

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