Quick facts
Programs covered
Chase Ultimate Rewards, Amex Membership Rewards, Capital One miles, Citi ThankYou, Bilt Points
Last checked
October 23, 2026, on each issuer’s own site
Most widely shared
JetBlue TrueBlue and Air France-KLM Flying Blue (all five)
Best for
finding which of your points can reach the airline or hotel you want
Every flexible points program has its own list of airline and hotel partners, and the ratios are not all 1:1. This chart puts the five big US transferable currencies side by side so you can see, in one place, which bank points reach a program and how many partner points you get back.
Every ratio below was checked October 23, 2026 on the issuer’s own pages: Chase’s transfer guide and Sapphire Preferred benefits page, the Amex Membership Rewards transfer page, Capital One’s transfer partner guide, Citi’s ThankYou points transfer page, and Bilt’s transfer partners article and Hyatt transfer page. If a ratio could not be confirmed on an official page, it is not in the chart.
How to read the chart
Ratios read bank points : partner points. So 1:1 means 1,000 bank points become 1,000 partner points. 5:4 means 1,000 become 800. 1:2 means 1,000 become 2,000. A dot means that bank does not list the program as a partner.
Want to run the numbers on a specific award? Plug the ratio into our points value calculator, which converts partner prices back into bank points and shows the cents per point you would get.
Airline transfer partners
On a phone, swipe the table sideways to see all five banks.
| Airline program | Chase | Amex | Capital One | Citi | Bilt |
|---|---|---|---|---|---|
| Aer Lingus AerClub | 1:1 | 1:1 | · | · | 1:1 |
| Aeromexico Rewards | · | 1:1.6 | 1:1 | · | · |
| Air Canada Aeroplan | 1:1 | 1:1 | 1:1 | · | 1:1 |
| Air France-KLM Flying Blue | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 |
| American Airlines AAdvantage | · | · | · | 1:1 | · |
| ANA Mileage Club | · | 1:1 | · | · | · |
| Atmos Rewards (Alaska and Hawaiian) | · | · | · | · | 1:1 |
| Avianca LifeMiles | · | 1:1 | 1:1 | 1:1 | 1:1 |
| British Airways Club (Avios) | 1:1 | 1:1 | 1:1 | · | 1:1 |
| Cathay Pacific Asia Miles | · | 5:4 | 1:1 | 1:1 | 1:1 |
| Delta SkyMiles | · | 1:1 | · | · | · |
| Emirates Skywards | · | 5:4 | 4:3 | 5:4 | 1:1 |
| Etihad Guest | · | · | 1:1 | 1:1 | 1:1 |
| EVA Air Infinity MileageLands | · | · | 4:3 | 1:1 | · |
| Finnair Plus | · | · | 1:1 | · | · |
| Iberia Club (Avios) | 1:1 | 1:1 | · | · | 1:1 |
| Japan Airlines Mileage Bank | · | · | 4:3 | 1:1 | 1:1 |
| JetBlue TrueBlue | 1:1 | 5:4 | 5:3 | 1:1 | 1:1 |
| Qantas Frequent Flyer | · | 1:1 | 1:1 | 1:1 | · |
| Qatar Airways Privilege Club (Avios) | · | 1:1 | 1:1 | 1:1 | 1:1 |
| Singapore Airlines KrisFlyer | 1:1 | 1:1 | 1:1 | 1:1 | · |
| Southwest Rapid Rewards | 1:1 | · | · | · | 1:1 |
| TAP Miles&Go | · | · | 1:1 | · | 1:1 |
| Thai Royal Orchid Plus | · | · | · | 1:1 | · |
| Turkish Airlines Miles&Smiles | · | · | 1:1 | 1:1 | 1:1 |
| United MileagePlus | 1:1 | · | · | · | 1:1 |
| Virgin Atlantic Flying Club | 1:1 | 1:1 | · | 1:1 * | 1:1 |
| Virgin Red | · | · | 1:1 | 1:1 * | 1:1 |
* Citi lists Virgin Atlantic Flying Club and Virgin Red as one partner, because both use Virgin Points.
Want hotels only? See the companion Hotel Transfer Partners page.
Hotel transfer partners
| Hotel program | Chase | Amex | Capital One | Citi | Bilt |
|---|---|---|---|---|---|
| Accor Live Limitless (ALL) | · | · | 2:1 | 2:1 | 3:2 |
| Choice Privileges | · | 1:1 | 1:1 | 1:1.5 | · |
| Hilton Honors | · | 1:2 | · | · | 1:1 |
| I Prefer Hotel Rewards (Preferred Hotels) | · | · | 1:2 | 1:2 | 1:2 |
| IHG One Rewards | 1:1 | · | · | · | 1:1 |
| Leaders Club (Leading Hotels of the World) | · | 4:1 | · | 5:1 | · |
| Marriott Bonvoy | 1:1 | 1:1 | · | · | 1:1 |
| World of Hyatt | 4:3 on Sapphire Preferred ** | · | · | · | 1:1 through Dec 31, 2026; 4:3 from Jan 1, 2027 |
| Wyndham Rewards | 1:1 | · | 1:1 | 1:1 | 1:1 |
** Chase says Ultimate Rewards points transfer to most partners at 1:1 and lists World of Hyatt at 4:3 on its Sapphire Preferred page (1,000 points become 750 Hyatt points). Check the Hyatt ratio for your own Chase card inside your account before you move points. For the best uses of Chase points, see Chase Ultimate Rewards Transfer Partners: The Best Sweet Spots. Bilt’s Hyatt page says the ratio changes to 4:3 beginning January 1, 2027.
Rail
| Rail program | Chase | Amex | Capital One | Citi | Bilt |
|---|---|---|---|---|---|
| Amtrak Guest Rewards | · | · | · | · | 2:1 |
Ratios that depend on your card
- Citi: the ratios in the chart are for Citi Strata Elite, Strata Premier, and Prestige cardmembers. Citi’s own partner pages show lower ratios (for example 1,000 points to 700 airline miles) for the Citi Strata, Double Cash, Custom Cash, and ThankYou Preferred cards.
- Chase: only the Sapphire Preferred, Sapphire Reserve, and Ink Business Preferred can transfer points to partners, per Chase. Points earned on other Chase cards have to be combined into one of those accounts first.
- Bilt: Blue status members have a 2,000-point minimum transfer; Silver, Gold, and Platinum members have a 1,000-point minimum. All transfers go in 1,000-point increments.
- Capital One: transfers need at least 1,000 miles, and the name on your Capital One account has to match your loyalty account.
Where only one bank gets you in
These are the partners that show up for just one of the five programs in the chart, which makes them the usual tie-breakers when you are deciding which points to collect:
- Amex only: Delta SkyMiles, ANA Mileage Club
- Citi only: American Airlines AAdvantage, Thai Royal Orchid Plus
- Capital One only: Finnair Plus
- Bilt only: Atmos Rewards (Alaska and Hawaiian), Amtrak Guest Rewards
- Chase and Bilt only: United MileagePlus, Southwest Rapid Rewards, IHG One Rewards, World of Hyatt
The flip side: Air France-KLM Flying Blue and JetBlue TrueBlue are reachable from all five, and Aeroplan, Avios (British Airways, Iberia, Qatar), Avianca LifeMiles, Cathay, Emirates, Singapore, and Wyndham are reachable from four. If you are only starting out, a currency that reaches those programs gives you the most choice later. Our best travel credit cards guide covers which cards earn each currency.
Before you transfer: a short checklist
- Find the award first and confirm it is bookable with partner points. Transfers are final at Chase, Capital One, and Bilt, per each program.
- Compare the cash price with the points price using the calculator. Count the taxes and fees on the award.
- Check whether a transfer bonus is running. Bonuses come and go; Bilt’s Rent Day often has them (see Bilt Rent Day explained).
- Make sure the names match exactly on both accounts.
- Transfer only what you need, rounded up to the next 1,000.
Watch Out
Ratios and partners change, sometimes with little notice. This page shows what each issuer published on October 23, 2026. Check the issuer’s transfer page again before you move points, because a transfer cannot be undone.
Guides that use these transfers
Looking at Citi’s mid-fee travel card? Our Citi Strata Premier review covers the 60,000-point offer, the $95 fee, the $100 hotel benefit, and ThankYou transfers to American Airlines.
FAQ
Which bank has the most transfer partners?
Of the five in this chart, Bilt lists the most: 27 programs on its support page as of October 23, 2026, including Amtrak. Citi lists 20, Capital One 22, Amex 20, and Chase 14. More partners is not automatically better; what matters is whether the programs you will actually use are on the list.
Which credit card points transfer to Hyatt?
In this chart, Chase Ultimate Rewards and Bilt. Chase lists Hyatt at 4:3 on its Sapphire Preferred page. Bilt is 1:1 through December 31, 2026, and its Hyatt page says the ratio changes to 4:3 beginning January 1, 2027. Amex, Capital One, and Citi do not list Hyatt.
Which points transfer to Delta or American?
Delta SkyMiles is an Amex partner at 1:1. American Airlines AAdvantage is a Citi partner at 1:1 for Strata Elite, Strata Premier, and Prestige cardmembers.
What does a 5:4 transfer ratio mean?
You give up 5 bank points for every 4 partner points, so 1,000 bank points become 800. Amex uses 5:4 for Cathay Pacific, Emirates, and JetBlue (Amex shows JetBlue as 250 points to 200).
Can I move points back after a transfer?
No. Chase, Capital One, and Bilt each say transfers are final, and once points land in an airline or hotel account they follow that program’s rules.
New to airline miles? Start with Best Airline Miles for Beginners.
The Points Quest
Points Quest is educational content only, not personalized financial advice. Partners and ratios were checked on chase.com, americanexpress.com, capitalone.com, thankyou.com, biltrewards.com, and bilt.com on October 23, 2026 and can change at any time; temporary transfer bonuses are not shown. Airline and hotel names are used only to identify programs. Advertiser Disclosure