If you’ve seen our post about What Credit Card Points and Miles Are Worth, then you know that all reward currencies are valued differently.
See our list of the best credit card bonuses here.
The most valuable currency you can earn are transferable points because they are much more flexible in comparison to regular points and miles. With these points, you are able to stay in luxury hotels and fly in premium cabins, things you wouldn’t usually be able to afford.
Continue reading to find a complete guide to Loyalty Program Points Transfer Partners.
Credit Card Rewards Programs
American Express Membership Rewards
American Express Membership Rewards® has the highest number of transfer partners out there. Transfer ratios differ depending on the partner, and most transfers are almost immediate. However, do note that there’s a small fee for transfers to U.S. airlines ($0.006 per point, up to a maximum of $99) and all transfers are final.
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| Delta Air Lines SkyMiles | 1:1 | Almost Instant |
| Hawaiian Airlines HawaiianMiles | 1:1 | Almost Instant |
| JetBlue TrueBlue | 1:0.8 | Almost Instant |
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| Aer Lingus Aerclub | 1:1 | Almost Instant |
| Aeromexico Club Premier | 1:1.6 | 2 days |
| Air Canada Aeroplan | 1:0.8 | Almost Instant |
| Air France/KLM Flying Blue | 1:1 | Almost Instant |
| Alitalia MilleMiglia | 1:1 | Almost Instant |
| ANA Mileage Club | 1:1 | 2-3 days |
| Avianca LifeMiles | 1:1 | Almost Instant |
| British Airways Executive Club | 1:1 | Almost Instant |
| Cathay Pacific Asia Miles | 1:1 | 1-3 days |
| EL AL Matmid Frequent Flyer Club | 1:0.02 | Almost Instant |
| Emirates Skyward | 1:1 | Almost Instant |
| Etihad Guest | 1:1 | Almost Instant |
| Iberia Plus | 1:1 | 1-3 days |
| Qantas Frequent Flyer | 1:1 | Almost Instant |
| Singapore Airlines KrisFlyer | 1:1 | 1-2 days |
| Virgin Atlantic Flying Club | 1:1 | Almost Instant |
| Hotel Program | Transfer Ratio | Transfer Time |
| Choice Privileges | 1:1 | Almost Instant |
| Hilton Honors | 1:2 | Almost Instant |
| Marriott Bonvoy | 1:1 | Almost Instant |
Capital One Rewards
The Capital One® Rewards transfer ratio is 2:1.5 for most partners, and the minimum to transfer is 1,000 miles. You are able to transfer in increments of 100. Do note that all transfers are final.
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| JetBlue TrueBlue | 2:1 | Almost Instant |
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| Aeromexico Club Premier | 2:1.5 | 2 days |
| Air Canada Aeroplan | 2:1.5 | Almost Instant |
| Air France/KLM Flying Blue | 2:1.5 | Almost Instant |
| Alitalia MilleMiglia | 2:1.5 | Almost Instant |
| Avianca LifeMiles | 2:1.5 | Almost Instant |
| Cathay Pacific Asia Miles | 2:1.5 | 1-5 days |
| Emirates Skyward | 2:1 | Almost Instant |
| Etihad Guest | 2:1.5 | Up to 36 hours |
| EVA Air Infinity MileageLands | 2:1.5 | Up to 36 hours |
| Finnair Plus | 2:1.5 | Almost Instant |
| Qantas Frequent Flyer | 2:1.5 | Up to 36 hours |
| Singapore Airlines KrisFlyer | 2:1 | Up to 36 hours |
No hotel transfer partners.
Chase Ultimate Rewards
Chase Ultimate Rewards® partners have a 1:1 transfer ratio, and most transfers are almost instant. However, be sure to note that transfers are always in 1,000-point increments and are final.
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| JetBlue TrueBlue | 1:1 | Almost Instant |
| Southwest Airlines Rapid Rewards | 1:1 | Almost Instant |
| United Airlines MileagePlus | 1:1 | Almost Instant |
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| Aer Lingus Aerclub | 1:1 | Almost Instant |
| Air France/KLM Flying Blue | 1:1 | Almost Instant |
| British Airways Executive Club | 1:1 | Almost Instant |
| Iberia Plus | 1:1 | Almost Instant |
| Singapore Airlines KrisFlyer | 1:1 | 1-2 days |
| Virgin Atlantic Flying Club | 1:1 | Almost Instant |
| Hotel Program | Transfer Ratio | Transfer Time |
| IHG Rewards Club | 1:1 | 1-2 days |
| Marriott Bonvoy | 1:1 | 1-2 days |
| World of Hyatt | 1:1 | Almost Instant |
Citi ThankYou Rewards
Citi ThankYou® Rewards partners have a 1:1 transfer ratio, with the exception of JetBlue. Most transfers happen between one to three days, however some transfer almost immediately.
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| JetBlue TrueBlue | 10:8 | Almost Instant |
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| Air Canada Aeroplan | 1:1 | N/A |
| British Airways Executive Club | 1:1 | N/A |
| EL AL Matmid Frequent Flyer Club | 50:1 | N/A |
| Icelandair Saga Club | 1:1 | N/A |
| SAS EuroBonus | 1:1 | N/A |
| South African Airways Voyager | 1:1 | N/A |
| Thai Airways Royal Orchid Plus | 1:1 | N/A |
| Virgin Atlantic Flying Club | 1:1 | N/A |
| Hotel Program | Transfer Ratio | Transfer Time |
| Best Western Rewards | 7.576:20 | N/A |
| Choice Privileges | 10:5.208 | N/A |
| Hilton Honors | 5:8 | N/A |
| IHG Rewards Club | 5:8 | N/A |
Diners Club International
Make sure you look out for those transfer ratios. Diners Club® International points sometimes don’t transfer at an exact 1:1 ratio.
| Frequent Flyer Program | Transfer Ratio |
| Alaska Airlines MileagePlan | 5.4:5.5 |
| Delta Air Lines SkyMiles | 5.4:5.5 |
| Hawaiian Airlines HawaiianMiles | 5.375:5 |
| Southwest Airlines Rapid Rewards | 6.8:5.5 |
| Frequent Flyer Program | Transfer Ratio | Transfer Time |
| Air Canada Aeroplan | 1:1 | N/A |
| British Airways Executive Club | 1:1 | N/A |
| EL AL Matmid Frequent Flyer Club | 1:1 | N/A |
| Icelandair Saga Club | 1:1 | N/A |
| SAS EuroBonus | 1:1 | N/A |
| South African Airways Voyager | 1:1 | N/A |
| Thai Airways Royal Orchid Plus | 1:1 | N/A |
| Virgin Atlantic Flying Club | 1:1 | N/A |
No hotel transfer partners.
Frequent Flyer Programs
Hotel Loyalty Programs
| Loyalty Program | Transfer Partners |
| Best Western Rewards | Diners Club International |
| Choice Privileges | Amex Membership Rewards Diners Club International |
| Hilton Honors | Amex Membership Rewards Diners Club International |
| IHG Rewards | Chase Ultimate Rewards Diners Club International |
| Marriott Bonvoy | Amex Membership Rewards Chase Ultimate Rewards |
| World of Hyatt | Chase Ultimate Rewards |
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Conclusion
Although earning points and miles can be difficult at times, you can use them to get amazing rewards such as free upgrades on flights, free hotels stays, etc. Transferable points are even more complicated however they are the best for maximizing the value of your rewards.
Furthermore, be sure to check out our best credit card bonuses here.
| PROMOTIONAL LINK | OFFER | REVIEW |
| HSBC Premier Checking & Savings Member FDIC | Up to $3,000 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| U.S. Bank Business Checking | $900 Cash | Review |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| KeyBank Key Smart Checking® | $300 Cash | Review |
| Truist One Checking | $400 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up to $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| SoFi Checking and Savings Account | $325 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Fifth Third Bank Checking | $400 Cash | Review |
| Axos Basic Business Checking | $400 Cash | Review |
| Axos Business Interest Checking | $400 Cash | Review |
| Axos Bank Business Premium Savings | $375 Cash | Review |
