Free interactive tool
Which Transferable Points Reach Your Airlines and Hotels?
A transferable currency is only as useful as its reach into the airline and hotel programs you actually book. List up to six programs and how often you use each; this tool scores Chase, Amex, Citi, Capital One and Bilt Rewards against that list at the ratio each one prints, finds the pair that covers it best, and, if you already collect a currency, shows which one adds the most reach.
The formula
rate(c, p) = what 1 point of currency c becomes in program p best(p) = highest rate(c, p) among the currencies compared credit(c, p) = rate(c, p) ÷ best(p); 0 if c does not reach p score(c) = Σ share(p) × credit(c, p) ÷ Σ share(p) pair score = same sum, using the better of the two per program
The rate is the ratio the issuer prints, with Citi at your card’s rate. A score of 100% means the currency, or the pair, reaches every program on your list at the best rate any compared currency prints. A currency that reaches a program at a worse ratio gets partial credit: Chase sends World of Hyatt 4:3 (750 Hyatt points per 1,000) against Bilt’s 1:1, so Chase earns 0.75 for Hyatt. Shares are 3 for most of your bookings, 2 for some, 1 for now and then.
Run your numbers
Pre-filled with the worked example below (United, Hyatt, Flying Blue and American, Chase already collected). Replace it with your own programs.
| Program (share) | Chase | Amex | Citi | Capital One | Bilt |
|---|---|---|---|---|---|
| United MileagePlus (3) | 1,000 | not listed | not listed | not listed | 1,000 |
| World of Hyatt (2) | 750 | not listed | not listed | not listed | 1,000 |
| Air France-KLM Flying Blue (2) | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 |
| American Airlines AAdvantage (1) | not listed | not listed | 1,000 | not listed | not listed |
| Score | 81% | 25% | 38% | 25% | 88% |
- Best pair of currencies
- Citi + Bilt (100%)
- Fewest that reach every program
- Citi + Bilt
- Fewest that reach every program at the best rate
- Citi + Bilt
- Bilt's United terms exclude points earned on rent paid with a Bilt Mastercard, and set a 2,000-point minimum for Blue members.
- Hyatt is shown at Chase's new 4:3. Sapphire Preferred accounts opened before June 15, 2026 keep 1:1 through September 30, 2026; reporting says Sapphire Reserve keeps 1:1. Your Chase transfer screen shows your rate.
Rates are what each issuer prints, from the transfer partner matrix. The score measures reach only: it does not weigh how fast you earn each currency, card fees, or transfer bonuses.
Worked example (hypothetical numbers)
A traveler books United most (share 3), World of Hyatt and Flying Blue some of the time (2 each) and American now and then (1), holds a full-rate Citi card, and already collects Chase. The programs and shares are hypothetical; the ratios are the ones the issuers print.
- Bilt: United, Hyatt and Flying Blue at 1:1, no American. (3 + 2 + 2 + 0) ÷ 8 = 88%.
- Chase: United and Flying Blue at 1:1, Hyatt at 4:3 (credit 0.75), no American. (3 + 1.5 + 2 + 0) ÷ 8 = 81%.
- Citi: Flying Blue and American, no United or Hyatt. (2 + 1) ÷ 8 = 38%. Amex and Capital One reach only Flying Blue: 25% each.
- Best pair: Citi + Bilt, 100%. Bilt pays United, Hyatt and Flying Blue; Citi is the only list with American AAdvantage. One condition behind Bilt’s high score: its United terms exclude points earned on rent paid with a Bilt Mastercard, so the United share has to come from other Bilt earning.
- Already collecting Chase (81%): adding Citi raises the score to 94% by adding American; adding Bilt raises it to 88% by moving Hyatt to 1:1.
Chase’s 4:3 to Hyatt is the rate Chase prints for Sapphire Preferred. Points reporting says Sapphire Reserve keeps 1:1; with that card, Chase scores 88% here, the same as Bilt, and Chase + Citi reaches 100%.
What does the whole matrix say before you enter anything?
Counting the 33 programs in the transfer partner matrix (the five Avios programs count once, because British Airways lets Avios move between them), the number each list reaches is: Bilt 22, Citi 20, Capital One 20, Amex 17, Chase 12. Five programs sit on one list only: Alaska Airlines & Hawaiian Airlines Atmos Rewards (Bilt), American Airlines AAdvantage (Citi), ANA Mileage Club (Amex), Delta SkyMiles (Amex), Thai Airways Royal Orchid Plus (Citi). No pair reaches every program; Amex, Citi and Bilt together do, and with a full-rate Citi card they reach each one at the best printed ratio.
The count is not the answer. A currency with fewer partners can score higher for you if its partners are the ones you book: Chase reaches the fewest programs, but it is one of only two lists (with Bilt) that reach United, Southwest, IHG and World of Hyatt. That is why the tool weighs your own list instead of ranking partner counts.
When should you not follow the score?
- It counts programs, not airlines. To fly an airline you do not always need its own program: British Airways Avios book American Airlines flights, and Virgin Atlantic or Flying Blue book Delta. A currency that misses AAdvantage can still get you onto American. The Chase guide works through those partner routes.
- It measures reach only. How fast you earn each currency, what the cards cost each year, and whether you qualify for them are not in the score, and they can outweigh a few points of reach. This is a comparison of transfer lists, not a card recommendation.
- Conditions sit behind some ratios. Bilt’s United transfers exclude points earned on rent paid with a Bilt Mastercard; Amex charges $0.0006 a point (up to $99) on transfers to Delta and JetBlue; Citi’s rate depends on the card. The notes under the results name the ones that apply to your list.
- Bonuses are left out. A transfer bonus changes a ratio for a few weeks. Price a live bonus with the transfer bonus calculator.
- A program outside the matrix has no bank route. LATAM Pass or Frontier Miles, for example, are on none of these five lists. Marriott Bonvoy’s page lists 37 airline programs, most at 3 Marriott points to 1 mile, a costly route covered in the Marriott points to miles guide.
- Collecting is not transferring. Once you hold points for a real award, the which-points calculator prices that one award from each balance, with your own value per point.
Where the ratios come from
Every ratio is the one the issuer prints on its own partner page, the same data as the transfer partner matrix:
- Chase, Transfer credit card points with Chase Ultimate Rewards, checked 2026-09-25; next check 2026-12-25.
- American Express, Membership Rewards transfer partners, checked 2026-09-26; next check 2026-12-26.
- Citi ThankYou, Points Transfer partner listing, checked 2026-09-25; next check 2026-10-24.
- Capital One, Miles Transfer Partners (page dated Jan 29, 2026), checked 2026-09-25; next check 2026-12-25.
- Bilt Rewards, Transfer partners (each partner's own page and terms), checked 2026-09-27; next check 2026-12-27.
The Marriott count is from Marriott’s points-to-miles page, read September 27, 2026. Partner lists change without notice; the transfer screen for your own card is the final word.