We all want to get the most value out of our credit card points and transferring them to one of their travel partners is the best way to do it. However, it can be difficult to keep track of which credit card points can transfer to each airline or hotel. That’s why I decided to compile a list of all of the major credit card transfer partners into one place.
This master list gives you each of the major banks with their corresponding transfer partners. I have also included the transfer ratio, as well as how long the transfer takes to go through. Hopefully this list makes planning your next vacation a little easier.
Remember, once you transfer your points to one of the travel partners, this can’t be undone. Be sure there is award availability before you transfer your points. A lot of the points will transfer instantly; however, some can take hours or days. Make sure you take this into consideration you transfer your points.
To make them easier to find, I’ve listed the transfer partners for each credit card currency in alphabetical order.
Chase Ultimate Rewards
Chase Ultimate Rewards are my favorite credit card points because they have excellent transfer partners. Also, they can be very easy to earn and there are so many great ways to redeem them. In fact, they have some of my favorite credit cards on the market. The Chase Sapphire Preferred is the credit card I recommend most to people just starting out. The Sapphire Reserve is my favorite travel card and the Ink Business Preferred is my favorite small business card.
Airline Transfer Partners
Aer Lingus – Transfer Ratio 1:1 – Points transfer instantly
British Airways – Transfer Ratio 1:1 – Points transfer instantly
Flying Blue (Air France/KLM) – Transfer Ratio 1:1 – Points transfer instantly
Iberia – Transfer Ratio 1:1 – Points transfer instantly
JetBlue – Transfer Ratio 1:1 – Points transfer instantly
Singapore Airlines – Transfer Ratio 1:1 – Points transfer within 24 hours
Southwest – Transfer Ratio 1:1 – Points transfer instantly
United – Transfer Ratio 1:1 – Points transfer instantly
Virgin Atlantic – Transfer Ratio 1:1 – Points transfer instantly
Hotel Transfer Partners
Hyatt – Transfer Ratio 1:1 – Points transfer instantly
IHG – Transfer Ratio 1:1 – Points transfer within 1 day
Marriott – Transfer Ratio 1:1 – Points transfer in 2 days
American Express Membership Rewards
The Membership Rewards program from American Express also has fantastic transfer partners. In fact, American Express is the only credit card company that allows you to transfer points to Delta. They also have 18 other airline and hotel transfer partners so there are a lot of great options to choose from.
If you’re a frequent traveler, the American Express Platinum card is a great way to earn Membership Rewards points quickly. In fact, you can earn 5x points on plane tickets you buy directly from the airline. In addition, right now you can earn 60,000 bonus points when you sign up for the card and spend $5,000 in the first 3 months. You can read more about this card here.
Airline Transfer Partners
Aer Lingus – Transfer Ratio 1:1 – Points transfer instantly
Aeromexico – Transfer Ratio 1:1.6 – Points transfer in 24 hours
Air Canada – Transfer Ratio 1:1 – Points transfer instantly
Alitalia – Transfer Ratio 1:1 – Points transfer instantly
All Nippon – Transfer Ratio 1:1 – Points transfer in 48 hours
British Airways – Transfer Ratio 1:1 – Points transfer instantly
Cathay Pacific – Transfer Ratio 1:1 – Points transfer in 48 hours
Delta – Transfer Ratio 1:1 – Points transfer instantly
El Al – Transfer Ratio 50:1 – Points transfer instantly
Emirates – Transfer Ratio 1:1 – Points transfer instantly
Flying Blue (Air France/KLM) – Transfer Ratio 1:1 – Points transfer instantly
Hawaiian Airlines – Transfer Ratio 1:1 – Points transfer instantly
Iberia – Transfer Ratio 1:1 – Points transfer in 48 hours
JetBlue – Transfer Ratio 1.25:1 – Points transfer instantly
Singapore Airlines – Transfer Ratio 1:1 – Points transfer within 24 hours
Virgin Atlantic – Transfer Ratio 1:1 – Points transfer instantly
Hotel Transfer Partners
Choice Hotels – Transfer Ratio 1:1 – Points transfer instantly
Hilton – Transfer Ratio 1:2 – Points transfer instantly
Marriott – Transfer Ratio 1:1 – Points transfer instantly
Capital One Transfer Partners
Recently Capital One added the ability to transfer their points to one of their 15 airline partners. I love the move because it gives card holders more ways to use their credit card points. Unfortunately, the only US airline transfer partner is Jet Blue, so there’s still room for improvement. Also, the transfer ratios are a little confusing and a lot of the transfers don’t happen instantly.
Capital One does have some good airline partners, so it’s definitely worth taking a look. If you’re looking to increase your points balance, you should consider adding the Capital One Venture Rewards card to your wallet. For a limited time, new card holders can earn up to 100,000 bonus points!
You’ll earn the first 50,000 points after spending $3,000 within the first three months of opening your account. You will earn 50,000 more points after spending an additional $17,000 ($20,000 total) within 12 months of opening your account. You also earn 2 miles for every dollar you spend with the card.
Airline Transfer Partners
Aeromexico – Transfer Ratio 2:1.5 – Points transfer instantly
Air Canada – Transfer Ratio 2:1.5 – Points transfer instantly
Alitalia – Transfer Ratio 2:1.5 – Points transfer instantly
Avianca – Transfer Ratio 2:1.5 – Points transfer in 48 hours
Cathay Pacific – Transfer Ratio 2:1.5 – Points transfer in 5 days
Emirates – Transfer Ratio 2:1 – Points transfer instantly
Etihad – Transfer Ratio 2:1.5 – Points transfer within 24 hours
Eva – Transfer Ratio 2:1.5 – Points transfer in 48 hours
Finnair – Transfer Ratio 2:1.5 – Points transfer instantly
Flying Blue (Air France/KLM) – Transfer Ratio 2:1.5 – Points transfer instantly
JetBlue – Transfer Ratio 2:1 – Points transfer instantly
Qantas – Transfer Ratio 2:1.5 – Points transfer within 24 hours
Singapore – Transfer Ratio 2:1 – Points transfer in 48 hours
Hotel Transfer Partners
Accor Limitless – Transfer Ratio 2:1 – TBD points transfer time
Citi Transfer Partners
Citibank lets you earn ThankYou points when you use some of their cards like the Citi Prestige and Citi Premier cards. These credit card points can then be transferred to one of Citi’s 15 airline partners. Unfortunately, the only domestic airline on the list you cant transfer your points to directly is JetBlue. The last thing to consider with ThankYou points is that most of the transfers aren’t instantaneous, so keep that in mind when you’re transferring your points.
Airline Transfer Partners
Avianca – Transfer Ratio 1:1 – Points transfer instantly
Cathay Pacific – Transfer Ratio 1:1 – Points transfer within 24 hours
Emirates – Transfer Ratio 1:1 – Points transfer instantly
Ethidad – Transfer Ratio 1:1 – Points transfer within 7 days
Eva – Transfer Ratio 1:1 – Points transfer within 3 days
Flying Blue (Air France/KLM) – Transfer Ratio 1:1 – Points transfer instantly
Garuda – Transfer Ratio 1:1 – Points transfer within 2 days
Jet Airways – Transfer Ratio 1:1 – Points transfer instantly
JetBlue – Transfer Ratio 1:1 – Points transfer instantly
Malaysian – Transfer Ratio 1:1 – Points transfer within 2 days
Qantas – Transfer Ratio 1:1 – Points transfer within 2 days
Qatar – Transfer Ratio 1:1 – Points transfer within 2 days
Singapore – Transfer Ratio 1:1 – Points transfer within 2 days
Thai Royal – Transfer Ratio 1:1 – Points transfer within 7 days
Turkish Airlines – Transfer Ratio 1:1 – Points transfer within 2 days
Virgin Atlantic – Transfer Ratio 1:1 – Points transfer instantly
Final Thoughts
The best way to get the most out of your credit card points is by using one of their transfer partners to redeem your points. I know it can be a little intimidating when you first start out but just remember, you don’t have to be an expert in every program to find a great value. Simply start with the airline you fly most often then do a little research. If you ever have questions, or need help, leave me a comment below or send me an email. I’m always happy to help!
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