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

Last Updated: January 2022

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.

Your Best Credit CardsWhy 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 (As of April 2021).

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

American Express Membership Rewards Transfer PartnersLast Updated July 2023
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 Marriott)~2-3 days
British Airways Avios1:1Instant
Cathay Pacific Asia Miles1:1~1-2 days
Delta1:1 (subject to excise tax)Instant
Etihad Guest1:1Instant
Hawaiian Airlines1:1 (transfers only from Amex and Marriott; subject to excise tax)Instant
Iberia Avios1:1~1-2 days
JetBlue TrueBlue250 : 200 (subject to excise tax)Instant
Qatar Airways Avios1:1
Singapore Airlines KrisFlyer1:1~ 1-2 days
Virgin Atlantic1:1Instant
Choice Hotels1:1Instant
Hilton1:2 (frequent transfer bonuses - look for a better ratio if considering)Instant

* 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 and Transfer Times

Chase Ultimate Rewards Transfer PartnersLast Updated: August 2021
Transfer RatioExpected Transfer Time *
Aer Lingus Avios1:1Instant
Air Canada Aeroplan1:1Instant
Air France Flying Blue1:1Instant
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
Marriott Bonvoy1:1~ 1-2 days
IHG Rewards Club1:1~ 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.

Chase Sapphire PreferredChase Sapphire Preferred® Card Earn 75,000 bonus Ultimate Rewards points (worth over $900 in free travel) when you spend $4,000 in 3 months. How to apply for this offer.

Citi ThankYou Transfer Partners and Transfer Times

Citi ThankYou Transfer PartnersLast updated: May 2023
Transfer RatioApproximate Transfer Time *
AeroMexico1:1Generally instant
Air France Flying Blue1:1Instant
Avianca LifeMiles1:1Instant.
Cathay Pacific AsiaMiles 1:1Instant
Etihad Guest1:1Instant
Eva Air1:1~1-3 days
JetBlue TrueBlue 1:1Instant
Qantas1:1Instant to 1 day
Qatar Privilege Club1:1~2 days
Singapore Airlines1:1~1-2 days
Thai Orchid Plus1:1~3-7 days
Turkish Airlines Miles&Smiles1:11-2 days
Virgin Atlantic1:1Instant to 2 days
Choice Hotels1:2 (Citi Prestige / Premier / Chairman cards)

1:1.5 (No fee Citi ThankYou cards)
Wyndham Rewards1:1 (Citi Prestige / Premier / Chairman cards)

1:0.8 (No fee Citi ThankYou cards)
Accor Live Limitless1:0.5TBD
Citi Premier
Get 60,000 Citi ThankYou points when you spend $4,000 in 3 months. Using Turkish as a transfer partner, this could be worth 2 round trip domestic flights in Business Class or just 30,000 points shy of a roundtrip flight to Europe in Business Class! Get This Offer

* 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
Find the Best Credit Card For You – Based on How You Spend

Capital One Miles Transfer Partners and Transfer Times

Capital One Miles
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD

Marriott Bonvoy Transfer Partners and Transfer Times

Marriott BonvoyUpdated: Oct 2020
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 Plan3:11-3 days
Alitalia MileMiglia3:1TBD
All Nippon Airways (ANA) Mileage Club3:1~4 days
American Airlines AAdvantage3:1Generally 2 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 Club3:11-3 days
Virgin Australia3:1TBD

Marriott Bonvoy Business CardMarriott 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.


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. And don't forget to follow me on Instagram for all sorts of tips on miles, points, credit cards, and travel.

If this post helped you, please consider sharing it!

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.


  1. Dave – Just fyi, I’m pretty sure that Citi TYP’s transfer to Virgin Atlantic also. Great list. Some of us had to figure this out the hard way. (Chuckle) I wish I had this 18 months ago.

  2. Hey Chris. I had considered that but hesitated since they are so prone to changing. It would be useful though. I’ll add that in an upcoming iteration 🙂

  3. Updated with transfer times 🙂 (I’m leaving out SPG for now since that will be changing so soon but will add in August).


Please enter your comment!
Please enter your name here