Every Transfer Partner. Every Sweet Spot. Every Tool.

11 airlines3 hotels1 bonus active

Amex Membership Rewards

American Express

2¢

16 airlines3 hotels1 bonus active

Citi ThankYou Points

Citi

1.9¢

15 airlines5 hotels1 bonus active

Capital One Miles

Capital One

1.85¢

19 airlines3 hotels1 bonus active

Bilt Rewards

Bilt

2.05¢

19 airlines4 hotels1 bonus active

Wells Fargo Rewards

Wells Fargo

Featured redemptions

Where points fly furthest

A curated slice of the 24 sweet spots Pointify tracks. Each shows the points cost vs. typical cash fare so the value is honest signal, not marketing.

See all 24 sweet spots

Sweet spotflight

JFK → LHR · Club World Business

British Airways direct overnight in lie-flat suites

Pay with points

100,000 Avios + ~$1,200 fees

Save $2.6K

Editor pickflight

US ↔ Japan · ANA Business — round-trip

Through Virgin Atlantic at 95,000–115,000 each way (52.5k West / 60k East)

Pay with points

105,000 Virgin Points round-trip

Save $3.9K

Best valueflight

Any United domestic — flat 12,500 miles

Turkish Miles & Smiles transfers in 1:1 from Capital One, Citi, Bilt

Pay with points

12,500 miles + ~$11

Save $400

Sweet spotflight

US East Coast → Europe · Air Canada Signature Business

Aeroplan distance-based on AC metal (also bookable on LH/Swiss/UA/OS)

Pay with points

60,000–70,000 Aeroplan points one-way

Save $2.1K

Off-peakflight

US → Europe · AAdvantage Web Specials

AA partner-economy off-peak as low as 21,500 miles one-way

Pay with points

21,500 AAdvantage miles + ~$60

Save $500

Bucket-listflight

US → SIN · Singapore Suites (A380)

Current 2026 chart, KrisFlyer Saver redemption

Pay with points

~155,000 KrisFlyer miles one-way

Save $12K

Path finder

“I want to fly to X — which points should I use?”

Eight common destinations and the best path from a flexible bank currency. Click any row to see the full partner list and current bonus state for that bank program.

Destination	Bank currency	Partner	Cabin	Typical cost
Tokyo Asia	Amex MR / Chase UR	Virgin Atlantic Flying Club	Business	~55–60K each way
London Europe	Amex MR / Bilt	British Airways Avios	Business	~75–100K + £200
Singapore Asia	Chase UR / Amex MR / Citi TYP	Singapore KrisFlyer	Suites (A380)	~155K each way
Paris Europe	Amex MR / Capital One / Bilt	Air France Flying Blue	Business	~50–65K each way
Hawaii Pacific	Chase UR / Bilt	Hawaiian / Alaska MileagePlan	Domestic First	~40K each way
Maldives Asia	Capital One / Citi / Bilt	Turkish Miles & Smiles	Business via partner	~67K + ~$100
Dubai Middle East	Chase UR / Amex MR	Emirates Skywards	Business	~85K + ~$700
Sydney Oceania	Amex MR / Citi TYP	Qatar Privilege Club / Cathay	Business (QSuite)	~80–100K + ~$300

Costs reflect typical award rates at off-peak / standard tier; peak season can increase 20–40%. The Pointify Optimizer prices all paths for your specific dates.

The Pointify points toolbox

Six tools that take you from “I have points” to “I'm booked”.

Points Optimizer

Most-used

Compare every redemption path — cash, direct award, or transfer — for your specific dates. Returns the lowest-cost option ranked by value.

Transfer Calculator

Free

Punch in your balance and a target. Get cents-per-point math, transfer ratios, and the best path before you commit any points.

Sweet Spots

24 curated high-value redemptions across flights and hotels — each verified, with a real points cost vs. real cash fare.

Award Charts

Searchable, normalized award charts for every major airline and hotel program — so you can see exactly what a redemption costs before you transfer.

Transfer Bonuses

Live

5 active bonuses tracked right now. Get an alert when a new promo lands so you don't miss the window.

Buy-Points Rate Checker

When a program runs a sale (Avianca 100% bonus, Aeroplan 50% off), buy-and-use can beat cash fares. We track every active sale.

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, Citi Premier, Bilt Mastercard, or Wells Fargo Autograph. 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, occasionally 1:2 (Amex → Marriott) or 2:1 (Capital One → certain partners). 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 3–15× the cash equivalent.

Card recommendations

Pick a card by strategy

There's no single “best” transfer card — there's the best card for your strategy. Four starting points to anchor your stack.

Best for beginners

Chase Sapphire Preferred

One card, 14 transfer partners, the World of Hyatt sweet spot, and a $95 annual fee that pays for itself in the first redemption. The default first card.

Best for power users

Amex Platinum

23 transfer partners, premium-cabin booking value, lounge access (Centurion + Priority Pass), $200 hotel + $200 airline credits, and the strongest Membership Rewards earn ceiling.

Best for international transfers

Capital One Venture X

Capital One Miles transfer 1:1 to Turkish, Air Canada, Air France/KLM, and Avianca — all of which unlock cents-per-point ceilings most US programs can't reach.

Best for renters

Bilt Mastercard

Earns transferable points on rent (no fee), with 1:1 transfers to Hyatt, Aeroplan, American AAdvantage, and Marriott. The only card that turns rent into premium-cabin awards.