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

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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 / 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 Lingus1:1Instant
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 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

* 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.

Marriott Rewards 
Aegean Airlines3:1
Aeroflot Bonus3:1
Aeroplan/Air Canada3:1
Air China3:1
Air France / KLM Flying Blue3:!
Air New Zealand Airpoints200:1
Alaska Airlines Mileage Plan3:1
Alitalia MileMiglia3:1
All Nippon Airways (ANA) Mileage Club3:1
American Airlines AAdvantage3:1
Asia Miles3:1
Asiana Airlines3:1
Avianca LifeMiles3:1
British Airways Executive Club3:1
China Eastern Airlines3:1
China Southern Airlines Sky Pearl Club3:1
Delta Air Lines SkyMiles3:1
Emirates Skywards3:1
Etihad Airways3:1
Hainan Airlines3:1
Hawaiian Airlines3:1
Iberia Plus3:1
Japan Airlines (JAL) Mileage Bank3:1
Jet Airways3:1
Korean Air3:1
LATAM Airlines LATAM Pass3:1
Lufthansa Miles and More1:1
Qatar Airways3:1
South African Airways Voyager3:1
Singapore Airlines KrisFlyer3:1
TAP Portugal3:!
Thai Airways International Royal Orchid Plus3:1
Turkish Airlines Miles&Smiles3:1
United Mileage Plus3:1.1
Virgin Atlantic Flying Club3:1
Virgin Australia3:1

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

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

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