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

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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 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 June 2018).

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 Lingus1:1(Coming late Aug 2018)
Air Canada Aeroplan1:1Instant
Air France Flying Blue1:1Instant
Alitalia1:1Instant
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
Emirates1:1Instant
Etihad Guest1:1Instant
Hawaiian Airlines1:1 (transfers only from Amex and SPG)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
Hilton1:2Instant
SPG1:3 (3 Amex gets you 1 SPG)(Disabled until Aug 19th, 2018)

* 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
Korean Air Skypass1:1Generally Instant
Singapore Airlines KrisFlyer1:1~ 1 - 2 days
Southwest Airlines1:1Instant
United MileagePlus1:1Instant
Virgin Atlantic Flying Club1:1Instant
Hyatt1:1Instant
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 1:0.8 (1,000 Citi = 800 JetBlue)Instant
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.

Starwood Preferred Guest (SPG)(This chart will change Aug 1, 2018)
Aegean Airlines1:1
Aeromexico Club Premier1:1
Aeroplan/Air Canada1:1
Air China1:1
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

* I’ve omitted transfer times for SPG while awaiting alignment with Marriott. New partners will be added and transfers will be via Marriott vs SPG. This will expand the list of partners and should also speed up transfer times. Note that of all programs, SPG currently has the longest transfer times. None of them are instant and reported transfer times can be as long as two weeks.

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

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