Bank-by-bank and program-by-program checks before you move points: which partners a bank lists, what the ratio does to the price, and which programs are a one-way door.
I know which award I want and need to know whether and how to transfer.
A transfer turns flexible bank points into one airline's or hotel's currency, and it cannot be undone. So the order never changes: find the exact award in the program that will issue the ticket, check the ratio your bank prints for that program (1:1 is common but not universal), then move only the points that award needs.
The guides and tools here answer the questions in that order: which bank or rewards program reaches your program and at what rate, which of your balances should pay, and what each program lets you do once the points arrive, from pooling Avios to sharing JetBlue points. Ratios come from each issuer's own partner page, dated on every page. Find your situation below.
Look the program up in the matrix: it shows every bank and Bilt Rewards route with the ratio each prints, and which programs sit on one list only.
Start from the programs you book, not from partner counts. Score each currency, and each pair, against your own list.
Send the points that cost you least per program point: the ratio, a running bonus, a fee and your own value per point all count.
Book it through a partner program in the same alliance, or use the one list that reaches it. A hotel-points route exists but usually costs more.
Each program sets its own rule: Avios move between the programs that use them, JetBlue points pool with family and friends, and miles never go back to a bank.
Work out what the change costs on the award you plan, then decide whether to move points before the date.
Confirm the seat, the taxes and the program's own rules in its search, then transfer.
No. JetBlue's Blue Sky FAQ says TrueBlue points cannot go even to United MileagePlus, and none of the JetBlue pages we read lists an airline they can move to. You can book United and some partner flights with points, pool them free with up to 6 other people, or pay to transfer them to another member. Includes bank-to-JetBlue rates.
Search Emirates awards with Classic Rewards on emirates.com or through Qantas, check the First Class status rule and Saver fees, then transfer bank points only when the seat shows.
Chase lists 10 airline and 4 hotel transfer partners, moves points in 1,000-point steps and can take up to 7 business days. Which partners change the math (Hyatt, Avios, JetBlue), which airlines Chase cannot reach, and the order to transfer in without stranding points.
Marriott converts points to most airline programs at 3:1, and adds 5,000 bonus miles for every 60,000 points (10,000 for United; no bonus for Delta, American or Avianca). That makes the transfer size and the hotel value you give up the whole decision: here is the math, then the checks before you move points.
American Express Membership Rewards transfers to 20 programs. 14 are 1:1; Cathay, Emirates and JetBlue give 800 per 1,000 points, Aeromexico 1,600 and Hilton 2,000. Transfers to Delta and JetBlue add a fee of $0.0006 a point, up to $99. Here is what each partner costs from Amex against Chase, Citi and Capital One, and how to tell when a transfer beats Amex Travel.
Of the big banks, only Citi and Capital One transfer to Japan Airlines Mileage Bank; Bilt Rewards also does, at 1:1. Citi's Strata Premier, Strata Elite, Prestige and AT&T Access More send 1,000 points as 1,000 JAL miles, its other cards 700, and Capital One 750 (2:1.5). Citi's 30% JAL bonus runs to October 24, 2026; Capital One's is reported as running September 1-30, 2026. The table shows what a JAL award costs from each, with and without a bonus.
British Airways lets you move Avios, instantly and at the same value, between British Airways Club and six other Avios programs: Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus. Avios cannot become a different airline's miles. Which moves work, which bank points reach each program, and when not to move.
Yes. Capital One lists 18 airline and 4 hotel transfer partners and prints every ratio. Most are 1:1, but Emirates, EVA Air and JAL are 2:1.5 and JetBlue is 5:3, so those awards cost more miles than their price in the program. Confirm the award and the ratio in your account before you move miles.
Yes. Citi lists 15 airline and 5 hotel transfer partners, and your card sets the rate: Strata Premier, Strata Elite and Prestige get the full rate (1:1 for most airlines), other ThankYou cards get 70% of it. Find the award first, check the rate your card shows, then move only the points the booking needs.
From October 1, 2026, Chase Ultimate Rewards transfers to World of Hyatt move from 1:1 to 4:3 for Sapphire Preferred and Ink Business Preferred cardholders who opened before June 15, 2026 (cards opened on or after that date were already at 4:3) — Sapphire Reserve keeps 1:1. See which cards changed and the before/after math.
Yes. Chase now lists Wyndham Rewards among its Ultimate Rewards hotel transfer partners, and NerdWallet reported the Wyndham addition beginning February 25, 2026. Do not transfer just because the partner exists: verify Wyndham in your own Chase account, price the exact Wyndham stay in points and cash, then transfer only if the booking clears your cents-per-point threshold and you are ready to book.
As of September 8, 2026, Flying Blue splits Air France- and KLM-operated award tickets into three fare families — Light, Standard, and Flex — instead of one price. Light matches the old entry-level mileage price but drops lounge access, seat selection, and free changes/cancellations. Standard restores those inclusions for more miles. Flex adds full flexibility and lower fuel surcharges on some routes for the most miles. Partner-airline award pricing (non-Air France/KLM) is unchanged, and existing tickets booked before the date are honored under the old terms.
Yes, eligible American Express Membership Rewards points can be converted to Delta SkyMiles through the Membership Rewards transfer flow; Delta also describes this on its Convert Partner Points to Miles page. Do not confuse that with Delta Transfer Miles, which is for moving miles between SkyMiles accounts. Before transferring, verify Delta award space, the logged-in Amex partner page, any displayed ratio or fee, and whether you are ready to book, because moved points can be hard or impossible to unwind.
You generally should not treat Qantas Points as miles you can freely transfer into another airline loyalty account. The safer path is to keep the points in Qantas, search eligible Qantas, Jetstar, partner, or oneworld Classic Flight Rewards, compare the points plus taxes, fees, and carrier charges against a cash fare, and only book when the award is real in your Qantas account. If your task is moving points to another person, use Qantas Family Transfers rules instead of an airline transfer assumption.
For Air Canada Aeroplan award flight booking, do not transfer flexible points first. Search the official Air Canada/Aeroplan booking path for the exact flight, verify the flight reward and account rules, compare points plus cash against the fare you would actually pay, then move points only if the award is still visible and you are ready to ticket.
For Air France award flight booking, do not transfer flexible points first. Search the official Air France/Flying Blue booking path for the exact flight, verify the award and account rules, compare miles plus cash against the fare you would actually pay, then move points only if the seat is still visible and you are ready to ticket.
Use this ANA award flight booking checklist to verify the award, rules, cash comparison, and transfer risk before moving points.