The Ultimate Credit Card Transfer Partners Guide

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

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, card_name is a great way to earn Membership Rewards points quickly.  bonus_miles_full  Terms apply. 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 card_name to your wallet.  Right now, new card holders can earn up to 75,000 bonus points!

Airline Transfer Partners

Aeromexico – Transfer Ratio 1:1 – Points transfer instantly

Air Canada – Transfer Ratio 1:1 – Points transfer instantly

Avianca – 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 5 days

Emirates – Transfer Ratio 1:1 – Points transfer instantly

Etihad – Transfer Ratio 1:1 – Points transfer within 24 hours

Eva – Transfer Ratio 2:1.5 – Points transfer in 48 hours

Finnair – Transfer Ratio 1:1 – Points transfer instantly

Flying Blue (Air France/KLM) – Transfer Ratio 1:1 – Points transfer instantly

Qantas – Transfer Ratio 1:1 – Points transfer within 24 hours

Singapore – Transfer Ratio 1:1 – Points transfer in 48 hours

TAP Air Portugal – Transfer Ratio 1:1 – Points transfer instantly

Turkish Airlines – Transfer Ratio 1:1 – Points transfer instantly

Hotel Transfer Partners

Accor Limitless – Transfer Ratio 2:1 – 1 business day

Choice Privileges – Transfer Ratio 1:1 – TBD points transfer time

Wyndham Rewards – Transfer Ratio 1:1 – Points transfer instantly

Citi Transfer Partners

Citibank lets you earn ThankYou points when you use some of their cards like the Citi Prestige and card_name.  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 can’t 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!

Disclosure: Easy Travel Points, LLC has partnered with CardRatings for our coverage of credit card products. Easy Travel Points, LLC and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. This compensation may impact how and where links appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.