Want to discuss these deals? Apply to join the members-only MilesTalk Facebook group.
Advertising Disclosure: Links and credit card offers on this page may earn us a small commission. They never influence what we cover but they do keep the lights on. Learn More

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

Last Updated: October 2020

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.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

Recently, Capital One has joined the mix with the Capital One Venture Rewards Credit Card and the Capital One Spark Miles for Business.

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 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 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 October 2020).

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 Partners Last Updated January 2021
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
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 Partners Last Updated: January 2020
Transfer RatioExpected Transfer Time *
Aer Lingus Avios1:1Instant
Air Canada Aeroplan1:1Not Yet Live: Coming in 2020
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 Earn 80,000 bonus Ultimate Rewards points (worth up to $1,000 or more!) when you spend $4,000 in 3 month, plus a $50 statement credit towards groceries. How to apply for this offer.

Citi ThankYou Transfer Partners and Transfer Times

Citi ThankYou Transfer Partners Last updated: Oct 2020
Transfer RatioApproximate Transfer Time *
AeroMexico1:1Generally instant
Air France Flying Blue1:1Instant
Avianca LifeMiles1:1Instant.
Cathay Pacific AsiaMiles1:1Instant
Etihad Guest1:1Instant
Eva Air1:1~1-3 days
Jet Airways1:1Instant
JetBlue TrueBlue1:1Instant
Malaysia Airlines Enrich1:1~1-7 days
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 Airlines1:11-2 days
Virgin Atlantic1:1Instant to 2 days

Citi PremierCiti Premier Bonus Offer Get 60,000 Citi ThankYou points when you spend $4,000 in 3 months. Great for transferring to Turkish to book United flights within North America | How to apply for 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 Last updated: Oct 2020
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)2:1.5Instant
Air France / KLM Flying Blue2:1.5Instant
Cathay Pacific Asia Miles2:1.51-3 days
Etihad2:1.51-2 days
EVA2:1.51-2 days
Qantas2:1.51-2 days
Singapore Airlines KrisFlyer2:11-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Wyndham Rewards Hotel Program2:1.5Instant

Marriott Bonvoy Transfer Partners and Transfer Times

Marriott Bonvoy Updated: 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 CardGet 100,000 Marriott Bonvoy points when you spend $5,000 in your first 3 months plus up to $150 in statement credits with a Marriott Bonvoy Business Card | How to apply for this offer.

* 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.

Want to discuss? Comment here, on Twitter, or in the private MilesTalk Facebook group.

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


yottaWhat is Yotta Savings?: The Yotta Savigs account is a really fun way to earn interest at a higher rate than Marcus while having some fun each night when the Yotta prize ball drops. Currently, the statistical odds imply a net savings rate of between around 1% and 3% - at a time when banks like Marcus are offering a paltry 0.5%. Plus, it's fun! | Read my review of Yotta.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


  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