Points Intelligence
Every Transfer Partner.
Every Program.
Compare airline and hotel transfer partners across the 6 major bank reward programs. Ratios, current bonuses, and the best sweet spots — all in one place.
Choose a Program
Select any program below to see the full partner list, ratios, and the best redemptions available right now.
Chase Ultimate Rewards
Chase
Amex Membership Rewards
American Express
Citi ThankYou Points
Citi
Capital One Miles
Capital One
Bilt Rewards
Bilt
Wells Fargo Rewards
Wells Fargo
How Credit Card Transfers Work
Bank reward currencies like Chase Ultimate Rewards and Amex Membership Rewards are “flexible” — you can convert them to airline miles or hotel points at fixed ratios, then use those miles to book award travel.
Earn flexible points
Spend on a Chase Sapphire, Amex Platinum, Capital One Venture, or Bilt Mastercard. Points accumulate in the bank's rewards currency.
Transfer to a partner
Choose an airline or hotel partner and convert your points — usually 1:1 or 1:2. Transfers are typically instant or same-day.
Book the award
Use the transferred miles or points to book flights or hotel stays. A well-chosen redemption can be worth 3–5x the cash equivalent.
Know which program to use?
Use the Points Optimizer to compare every redemption option — cash, direct award, or transfer — and find the best value for your trip.
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