Transfer Guide
How to Transfer Points
to Airlines & Hotels
Every transfer partner across Chase, Amex, Capital One, Citi, and Bilt — with ratios, transfer speeds, active bonuses, and step-by-step instructions.
Partner data last verified: April 2026. Transfer ratios and bonuses may change — confirm on your bank's website before transferring.
UR→
Air France / KLM: +25% bonus on transfers
MR→Air France / KLM: +25% bonus on transfersAll Transfer Partners by Bank
Each card shows every partner, the exact transfer ratio, speed, and active bonuses. Expand the how-to section for step-by-step transfer instructions.
Chase
Chase Ultimate Rewards
| Partner | Ratio | Speed | Bonus |
|---|---|---|---|
 United Airlines MileagePlus | 1:1 | instant | — |
World of Hyatt World of Hyatt | 1:1 | instant | — |
 Southwest Airlines Rapid Rewards | 1:1 | instant | — |
 British Airways Avios | 1:1 | instant | — |
 Air France / KLM Flying Blue | 1:1 | instant | +25% bonus on transfers |
 Singapore Airlines KrisFlyer | 1:1 | 1-2 days | — |
 Virgin Atlantic Flying Club | 1:1 | instant | — |
 JetBlue TrueBlue | 1:1 | instant | — |
IHG Hotels IHG One Rewards | 1:1 | instant | — |
Marriott Bonvoy Marriott Bonvoy | 2:3 | 1-2 days | — |
 Air Canada Aeroplan | 1:1 | instant | — |
 Emirates Skywards | 1:1 | instant | — |
 Iberia Iberia Plus | 1:1 | instant | — |
 Aer Lingus AerClub | 1:1 | instant | — |
How to Transfer Chase Points
American Express
Amex Membership Rewards
| Partner | Ratio | Speed | Bonus |
|---|---|---|---|
 Delta Air Lines SkyMiles | 1:1 | instant | — |
 ANA ANA Mileage Club | 1:1 | 2-3 days | — |
British Airways Avios | 1:1 | instant | — |
Air France / KLM Flying Blue | 1:1 | instant | +25% bonus on transfers |
Singapore Airlines KrisFlyer | 1:1 | 1-2 days | — |
Virgin Atlantic Flying Club | 1:1 | instant | — |
JetBlue TrueBlue | 5:4 | instant | — |
Hilton Honors Hilton Honors | 1:2 | instant | — |
Marriott Bonvoy Marriott Bonvoy | 5:6 | 1-2 days | — |
 Cathay Pacific Asia Miles | 1:1 | 1-2 days | — |
Emirates Skywards | 1:1 | instant | — |
 Etihad Etihad Guest | 1:1 | instant | — |
 Qantas Qantas Frequent Flyer | 1:1 | 1-2 days | — |
Air Canada Aeroplan | 1:1 | instant | — |
 Hawaiian Airlines HawaiianMiles | 1:1 | instant | — |
 Turkish Airlines Miles&Smiles | 1:1 | 1-2 days | — |
Iberia Iberia Plus | 1:1 | instant | — |
Aer Lingus AerClub | 1:1 | instant | — |
Choice Hotels Choice Privileges | 1:1 | instant | — |
How to Transfer American Express Points
Capital One
Capital One Miles
| Partner | Ratio | Speed | Bonus |
|---|---|---|---|
Air France / KLM Flying Blue | 1:1 | instant | — |
British Airways Avios | 1:1 | instant | — |
Turkish Airlines Miles&Smiles | 1:1 | 1-2 days | — |
Singapore Airlines KrisFlyer | 1:1 | 1-2 days | — |
 Avianca LifeMiles | 1:1 | instant | — |
 Finnair Finnair Plus | 1:1 | 1-2 days | — |
Air Canada Aeroplan | 1:1 | instant | — |
Emirates Skywards | 1:1 | instant | — |
Cathay Pacific Asia Miles | 1:1 | 1-2 days | — |
Qantas Qantas Frequent Flyer | 1:1 | 1-2 days | — |
 TAP Air Portugal TAP Miles&Go | 1:1 | 1-2 days | — |
Etihad Etihad Guest | 1:1 | instant | — |
 EVA Air Infinity MileageLands | 1:1 | 1-2 days | — |
Wyndham Rewards Wyndham Rewards | 1:1 | instant | — |
Accor Hotels ALL - Accor Live Limitless | 1:2 | 1-2 days | — |
How to Transfer Capital One Points
Citi
Citi ThankYou Points
| Partner | Ratio | Speed | Bonus |
|---|---|---|---|
Turkish Airlines Miles&Smiles | 1:1 | 1-2 days | — |
Singapore Airlines KrisFlyer | 1:1 | 1-2 days | — |
Air France / KLM Flying Blue | 1:1 | instant | — |
JetBlue TrueBlue | 1:1 | instant | — |
Virgin Atlantic Flying Club | 1:1 | instant | — |
 Qatar Airways Privilege Club | 1:1 | 1-2 days | — |
Cathay Pacific Asia Miles | 1:1 | 1-2 days | — |
Emirates Skywards | 1:1 | instant | — |
Etihad Etihad Guest | 1:1 | instant | — |
EVA Air Infinity MileageLands | 1:1 | 1-2 days | — |
Avianca LifeMiles | 1:1 | instant | — |
Qantas Qantas Frequent Flyer | 1:1 | 1-2 days | — |
Thai Airways Royal Orchid Plus | 1:1 | 1-2 days | — |
Wyndham Rewards Wyndham Rewards | 1:1 | instant | — |
Accor Hotels ALL - Accor Live Limitless | 1:2 | 1-2 days | — |
Choice Hotels Choice Privileges | 1:2 | 1-2 days | — |
How to Transfer Citi Points
Bilt
Bilt Rewards
| Partner | Ratio | Speed | Bonus |
|---|---|---|---|
American Airlines AAdvantage | 1:1 | instant | — |
United Airlines MileagePlus | 1:1 | instant | — |
Turkish Airlines Miles&Smiles | 1:1 | 1-2 days | — |
Air France / KLM Flying Blue | 1:1 | instant | — |
Virgin Atlantic Flying Club | 1:1 | instant | — |
 Alaska Airlines Mileage Plan | 1:1 | instant | — |
World of Hyatt World of Hyatt | 1:1 | instant | — |
British Airways Avios | 1:1 | instant | — |
Air Canada Aeroplan | 1:1 | instant | — |
Emirates Skywards | 1:1 | instant | — |
Cathay Pacific Asia Miles | 1:1 | 1-2 days | — |
Hawaiian Airlines HawaiianMiles | 1:1 | instant | — |
IHG Hotels IHG One Rewards | 1:1 | instant | — |
Marriott Bonvoy Marriott Bonvoy | 1:1 | 1-2 days | — |
Avianca LifeMiles | 1:1 | instant | — |
Singapore Airlines KrisFlyer | 1:1 | 1-2 days | — |
Iberia Iberia Plus | 1:1 | instant | — |
TAP Air Portugal TAP Miles&Go | 1:1 | 1-2 days | — |
Qantas Qantas Frequent Flyer | 1:1 | 1-2 days | — |
EVA Air Infinity MileageLands | 1:1 | 1-2 days | — |
Etihad Etihad Guest | 1:1 | instant | — |
Wyndham Rewards Wyndham Rewards | 1:1 | instant | — |
How to Transfer Bilt Points
How Credit Card Point Transfers Work
Transferring points converts your flexible bank currency into airline miles or hotel points at a fixed ratio. Here is what you need to know.
Transfers are one-way
Once you transfer points to an airline or hotel, you cannot move them back. Always confirm you have the award availability before transferring.
Names must match
The name on your credit card account must exactly match the name on your loyalty program account. Mismatches will cause the transfer to fail.
Watch for bonuses
Banks regularly offer 20-40% transfer bonuses to specific partners. These can dramatically increase the value of your points. We track them above.
Transfer Strategy Tips
Maximize your point value with these proven strategies from the award travel community.
Confirm availability first
Always search for award space on the airline or hotel website BEFORE transferring. Points cannot be returned once transferred.
Wait for transfer bonuses
If your trip is flexible, wait for a 25-40% transfer bonus. Amex and Chase run them several times per year to partners like Flying Blue.
Prefer instant transfer partners
When award space is limited, choose partners with instant transfers. A 2-day delay can mean losing the last saver award seat.
Check multiple programs
The same flight can often be booked through different programs at different rates. Compare United, ANA, and Air France for the same Star Alliance route.
Target sweet spots
Some award charts have outsized value: Hyatt all-inclusives, ANA business via Virgin Atlantic, Turkish Miles for Lufthansa First. These deliver 3-5+ cpp.
Pool points across cards
Chase lets you combine UR points from multiple cards (Sapphire, Freedom, Ink). Same with Amex and Capital One. Consolidate before transferring.
Frequently Asked Questions
How do I transfer Chase Ultimate Rewards points to airlines?
Log in to chase.com, navigate to Ultimate Rewards on your Sapphire or Ink card, click "Transfer to Travel Partners," select your airline, link your frequent flyer number, enter the amount (minimum 1,000), and confirm. Most transfers are instant.
Are credit card point transfers reversible?
No. All point transfers to airline and hotel partners are one-way and permanent. Always confirm award availability before transferring. If the award booking fails, the miles will sit in your loyalty account.
What is the best transfer ratio?
A 1:1 ratio is standard and means 1 bank point becomes 1 airline mile. Some transfers are better (Amex to Hilton at 1:2) or worse (Chase to Marriott at 2:3). The value depends on how you redeem the miles, not just the ratio.
How long do point transfers take?
Most Chase, Amex, and Capital One transfers are instant. Some partners like ANA, Singapore Airlines, and Turkish Airlines take 1-2 business days. We mark each partner's transfer speed in the tables above.
What is a transfer bonus?
Banks periodically offer 20-40% bonuses when transferring to specific partners. For example, a 25% bonus to Flying Blue means 10,000 Chase points become 12,500 Flying Blue miles. These promotions are time-limited and we track active bonuses at the top of this page.
Ready to book an award trip?
Search for flights and see exactly which points programs can get you there — with transfer ratios calculated automatically.