Transfer partner chart: Chase, Amex, Citi, Capital One, Bilt
101 transfer routes from four banks and Bilt Rewards, read from each one’s own pages on the date shown, with the rate each prints. Use it to see which bank reaches the program your award is in, and at what rate, before you move anything. To price one award from every bank you hold, with your balances and Citi card tier, use the which-points-to-transfer calculator. Transfers are one-way: points sent to an airline or hotel cannot come back.
How many bank points does an award really cost?
Divide the award price by what one bank point becomes in the program, then round up to the bank’s transfer step (1,000 points almost everywhere; Amex moves Qantas in 500s and JetBlue in 250s):
bank points to send = award price ÷ (program points per bank point), rounded up to the transfer step
At 1:1 the award price is the transfer. At any other ratio it is not. Two hypothetical awards, not live prices:
- A 60,000-mile Emirates award from Capital One at 2:1.5: 60,000 ÷ 0.75 = 80,000 Capital One miles, a third more than the sticker price.
- A 30,000-point JetBlue award from Capital One at 5:3: 30,000 ÷ 0.6 = 50,000 Capital One miles. If the same flight costs $450 in cash, those miles are earning 0.9 cents each (450 ÷ 50,000 × 100), before taxes on the award.
That second number is the one to compare with what the points are worth elsewhere. Chase Travel and Citi Travel pay 1 cent per point, and Amex pays 1 cent on flights booked through Amex Travel; Capital One publishes no fixed rate but frames travel redemptions at 1 cent a mile (see the points-to-dollars tools linked below). Against that, a transfer that returns 0.9 cents is a loss, whatever the award chart looks like. Run your own numbers in the points vs cash calculator; if a transfer bonus is on, in the transfer bonus calculator; and to see how long your balance takes to cover an award, in the reverse award planner.
Which programs can more than one bank reach?
If you hold points with two banks, the same program can cost a different number of points depending on which one you send from. These 31 programs appear on at least two of the 5 partner lists. Each cell is what 1,000 bank points become; for Citi, the number in brackets is the rate on the lower-rate cards (Strata, Double Cash, Custom Cash, ThankYou Preferred and others).
| Program | Chase | Amex | Citi | Capital One | Bilt |
|---|---|---|---|---|---|
| Air France-KLM Flying Blue | 1,000 | 1,000 | 1,000 (700) | 1,000 | 1,000 |
| Air Canada Aeroplan | 1,000 | 1,000 | no | 1,000 | 1,000 |
| Avianca LifeMiles | no | 1,000 | 1,000 (700) | 1,000 | 1,000 |
| British Airways Club | 1,000 | 1,000 | no | 1,000 | 1,000 |
| Cathay Pacific Asia Miles | no | 800 | 1,000 (700) | 1,000 | 1,000 |
| Emirates Skywards | no | 800 | 800 (560) | 750 | 1,000 |
| JetBlue TrueBlue | 1,000 | 800 | 1,000 (700) | 600 | no |
| Qatar Airways Privilege Club | no | 1,000 | 1,000 (700) | 1,000 | 1,000 |
| Singapore Airlines KrisFlyer | 1,000 | 1,000 | 1,000 (700) | 1,000 | no |
| Virgin Atlantic Flying Club | 1,000 | 1,000 | 1,000 (700) | no | 1,000 |
| Wyndham Rewards | 1,000 | no | 1,000 (700) | 1,000 | 1,000 |
| Accor Live Limitless | no | no | 500 (350) | 500 | 667 |
| Aer Lingus AerClub | 1,000 | 1,000 | no | no | 1,000 |
| Choice Privileges | no | 1,000 | 1,500 (1,050) | 1,000 | no |
| Etihad Guest | no | no | 1,000 (700) | 1,000 | 1,000 |
| I Prefer (Preferred Hotels & Resorts) | no | no | 2,000 (1,400) | 2,000 | 2,000 |
| Iberia Club | 1,000 | 1,000 | no | no | 1,000 |
| Japan Airlines Mileage Bank | no | no | 1,000 (700) | 750 | 1,000 |
| Marriott Bonvoy | 1,000 | 1,000 | no | no | 1,000 |
| Qantas Frequent Flyer | no | 1,000 | 1,000 (700) | 1,000 | no |
| Turkish Airlines Miles&Smiles | no | no | 1,000 (700) | 1,000 | 1,000 |
| Aeromexico Rewards | no | 1,600 | no | 1,000 | no |
| EVA Air Infinity MileageLands | no | no | 1,000 (700) | 750 | no |
| Hilton Honors | no | 2,000 | no | no | 1,000 |
| IHG One Rewards | 1,000 | no | no | no | 1,000 |
| Leaders Club (Leading Hotels of the World) | no | 250 | 200 (140) | no | no |
| Southwest Rapid Rewards | 1,000 | no | no | no | 1,000 |
| TAP Miles&Go | no | no | no | 1,000 | 1,000 |
| United MileagePlus | 1,000 | no | no | no | 1,000 |
| Virgin Red | no | no | no | 1,000 | 1,000 |
| World of Hyatt | 750 | no | no | no | 1,000 |
What this means in practice: Chase and Capital One both send most shared programs 1:1, and so does Citi on a Strata Premier, Strata Elite, Prestige or AT&T Access More card. The gaps are where one bank is below 1:1. JetBlue costs two-thirds more from Capital One (5:3, so 600 per 1,000) than from Chase or a premium Citi card (1,000). Emirates, EVA Air and JAL are 750 per 1,000 from Capital One and 800 to 1,000 from a premium Citi card. On a lower-rate Citi card the bracketed figure applies, and Chase or Capital One comes out ahead almost everywhere; the exceptions are JetBlue against Capital One (700 against 600), Choice (1,050 against 1,000), and JAL while Citi’s 30% bonus runs (910 against 750, through October 24, 2026). Amex sends most shared programs 1:1 too; it is below 1:1 to Cathay, Emirates and JetBlue (800 per 1,000) and above it to Aeromexico (1,600). On JetBlue, Amex’s 800 beats Capital One’s 600 but trails Chase’s 1,000, and Amex adds its U.S.-airline fee of $0.60 per 1,000 points.
Bilt Rewards is a rewards program, not a bank, and it sends every shared program 1:1 except Accor (3:2, about 667 per 1,000) and I Prefer (1:2, 2,000). That makes it the only 1:1 route to Emirates (1,000, against 800 from Amex or a premium Citi card and 750 from Capital One), and it gives World of Hyatt 1,000 against the 750 Chase now prints for Sapphire Preferred, and Accor 667 against 500 from Capital One or a premium Citi card. At printed ratios, before bonuses, it is behind in one place: Amex sends Hilton 1:2, so 1,000 Amex points become 2,000 Hilton points and 1,000 Bilt points become 1,000. Bonuses move this: while Citi’s 30% JAL bonus runs (through October 24, 2026), a premium Citi card gives 1,300 JAL miles against Bilt’s 1,000, and Bilt’s own Marriott terms add 5,000 Marriott points for every 20,000 Bilt points sent in one transaction, ahead of the 1:1 from Chase and Amex.
Where can Chase points go?
14 partners. Chase's Sapphire Preferred page states 1:1 to most partners and 4:3 to World of Hyatt. Chase's how-to page names Sapphire Preferred, Sapphire Reserve and Ink Business Preferred as the cards that can transfer. Transfers in increments of 1,000 points. Published transfer time: most by the next business day; up to 7 business days. Step-by-step checks: the Chase transfer guide; cash value of the points: Chase points to dollars.
| Program | Ratio | 1,000 points become | Know before you send |
|---|---|---|---|
| Aer Lingus AerClub | 1:1 | 1,000 | Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Air Canada Aeroplan | 1:1 | 1,000 | Aeroplan award checks |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Since September 8, 2026, Air France- and KLM-operated awards price in three fare families (Light, Standard, Flex); size the transfer for the family you need. Flying Blue fare families |
| British Airways Club | 1:1 | 1,000 | Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Iberia Club | 1:1 | 1,000 | Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| JetBlue TrueBlue | 1:1 | 1,000 | TrueBlue points cannot move on to another airline's program (JetBlue says not even to United MileagePlus). They book JetBlue flights, United-operated flights on jetblue.com, and flights on a few JetBlue partners. JetBlue no-stranding check |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 | |
| Southwest Rapid Rewards | 1:1 | 1,000 | Southwest returns the points on a cancelled award to the account that booked it, if you cancel at least 10 minutes before departure; after that the points may be forfeited. The Chase transfer itself cannot be undone. Award cancellation costs |
| United MileagePlus | 1:1 | 1,000 | |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | |
| IHG One Rewards (hotel) | 1:1 | 1,000 | |
| Marriott Bonvoy (hotel) | 1:1 | 1,000 | |
| World of Hyatt (hotel) | 4:3 | 750 | Chase's Sapphire Preferred page: 4:3 (1,000 points become 750); accounts opened before June 15, 2026 keep 1:1 through September 30, 2026. Reporting says Ink Business Preferred follows the same change and Sapphire Reserve keeps 1:1. Chase to Hyatt at 4:3 |
| Wyndham Rewards (hotel) | 1:1 | 1,000 | Wyndham prices free nights in flat tiers of 5,000, 15,000, 30,000 or 45,000 points, so the tier of the exact hotel decides the transfer size. Wyndham award tiers |
Where can Amex points go?
20 partners. Amex prints every partner as a points-to-partner figure; 14 of its 20 partners are 1:1. Transfers to Delta and JetBlue, the two U.S. airlines on the list, carry an excise tax offset fee of $0.0006 per point, up to $99. Transfers in steps of 1,000 points, except Qantas (500) and JetBlue (250). Published transfer time: Amex's estimate is 48 hours for most partners, 24 hours for Hilton, 72 hours for Avianca and Leaders Club, and 4 days for ANA. Step-by-step checks: the Amex transfer guide; cash value of the points: Amex points to dollars.
| Program | Ratio | 1,000 points become | Know before you send |
|---|---|---|---|
| Aer Lingus AerClub | 1:1 | 1,000 | Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Aeromexico Rewards | 1:1.6 | 1,600 | |
| Air Canada Aeroplan | 1:1 | 1,000 | Aeroplan award checks |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Since September 8, 2026, Air France- and KLM-operated awards price in three fare families (Light, Standard, Flex); size the transfer for the family you need. Flying Blue fare families |
| ANA Mileage Club | 1:1 | 1,000 | Amex estimates 4 days to post, the slowest on its list; no other bank here reaches ANA. ANA award checks |
| Avianca LifeMiles | 1:1 | 1,000 | |
| British Airways Club | 1:1 | 1,000 | Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Cathay Pacific Asia Miles | 5:4 | 800 | |
| Delta SkyMiles | 1:1 | 1,000 | U.S. airline: Amex charges $0.0006 per point (up to $99), so 60,000 points cost $36 on top. No other bank here reaches Delta. Amex to Delta checks |
| Emirates Skywards | 5:4 | 800 | Emirates award checks |
| Iberia Club | 1:1 | 1,000 | Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| JetBlue TrueBlue | 5:4 | 800 | Amex prints 250 points = 200 TrueBlue points, in steps of 250. U.S. airline, so the $0.0006-per-point fee applies. TrueBlue points cannot move on to another airline's program (JetBlue says not even to United MileagePlus). They book JetBlue flights, United-operated flights on jetblue.com, and flights on a few JetBlue partners. JetBlue no-stranding check |
| Qantas Frequent Flyer | 1:1 | 1,000 | Steps of 500 points. Qantas no-stranding check |
| Qatar Airways Privilege Club | 1:1 | 1,000 | Also spends Avios: British Airways' Transfer your Avios page lets Avios move between this program and British Airways Club, instantly and at the same value. Avios pooling rules |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 | |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | |
| Choice Privileges (hotel) | 1:1 | 1,000 | |
| Hilton Honors (hotel) | 1:2 | 2,000 | |
| Leaders Club (Leading Hotels of the World) (hotel) | 4:1 | 250 | |
| Marriott Bonvoy (hotel) | 1:1 | 1,000 |
Where can Citi points go?
20 partners. Citi prints two rates for every partner: the full rate for Strata Premier, Strata Elite, Prestige and AT&T Access More cardmembers, and 70% of it for ThankYou Preferred, Strata, Double Cash, Custom Cash and the other listed cards. Transfers are quoted per 1,000 points. No transfer time is published. Step-by-step checks: the Citi transfer guide; cash value of the points: Citi points to dollars.
| Program | Ratio | 1,000 points become | Know before you send |
|---|---|---|---|
| Air France-KLM Flying Blue | 1:1 | 1,000 (700) | Since September 8, 2026, Air France- and KLM-operated awards price in three fare families (Light, Standard, Flex); size the transfer for the family you need. Flying Blue fare families |
| American Airlines AAdvantage | 1:1 | 1,000 (700) | |
| Avianca LifeMiles | 1:1 | 1,000 (700) | 25% transfer bonus on Citi's page for transfers completed September 20 to October 24, 2026. |
| Cathay Pacific Asia Miles | 1:1 | 1,000 (700) | |
| Emirates Skywards | 5:4 | 800 (560) | Emirates award checks |
| Etihad Guest | 1:1 | 1,000 (700) | |
| EVA Air Infinity MileageLands | 1:1 | 1,000 (700) | |
| Japan Airlines Mileage Bank | 1:1 | 1,000 (700) | 30% transfer bonus on Citi's page for transfers completed September 20 to October 24, 2026. New on Citi's list. With the 30% bonus, 1,000 points become 1,300 JAL miles on Strata Premier, Strata Elite, Prestige or AT&T Access More and 910 on the lower-rate cards, against 750 from Capital One; without it, 1,000 and 700. Citi vs Capital One to JAL |
| JetBlue TrueBlue | 1:1 | 1,000 (700) | TrueBlue points cannot move on to another airline's program (JetBlue says not even to United MileagePlus). They book JetBlue flights, United-operated flights on jetblue.com, and flights on a few JetBlue partners. JetBlue no-stranding check |
| Qantas Frequent Flyer | 1:1 | 1,000 (700) | Qantas no-stranding check |
| Qatar Airways Privilege Club | 1:1 | 1,000 (700) | Also spends Avios: British Airways' Transfer your Avios page lets Avios move between this program and British Airways Club, instantly and at the same value. Avios pooling rules |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 (700) | |
| Thai Airways Royal Orchid Plus | 1:1 | 1,000 (700) | |
| Turkish Airlines Miles&Smiles | 1:1 | 1,000 (700) | |
| Virgin Atlantic Flying Club and Virgin Red | 1:1 | 1,000 (700) | |
| Accor Live Limitless (hotel) | 2:1 | 500 (350) | |
| Choice Privileges (hotel) | 1:1.5 | 1,500 (1,050) | |
| Leaders Club (hotel) | 5:1 | 200 (140) | |
| Preferred Hotels & Resorts (I Prefer) (hotel) | 1:2 | 2,000 (1,400) | |
| Wyndham Rewards (hotel) | 1:1 | 1,000 (700) | Wyndham prices free nights in flat tiers of 5,000, 15,000, 30,000 or 45,000 points. Wyndham award tiers |
Where can Capital One miles go?
22 partners. Capital One prints a ratio for every partner. Most are 1:1; six are not, and those six change how many miles an award really costs. Minimum transfer 1,000 miles. No transfer time is published. Step-by-step checks: the Capital One transfer guide; cash value of the points: Capital One points to dollars.
| Program | Ratio | 1,000 points become | Know before you send |
|---|---|---|---|
| Aeromexico Rewards | 1:1 | 1,000 | |
| Air Canada Aeroplan | 1:1 | 1,000 | Aeroplan award checks |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Since September 8, 2026, Air France- and KLM-operated awards price in three fare families (Light, Standard, Flex); size the transfer for the family you need. Flying Blue fare families |
| Avianca LifeMiles | 1:1 | 1,000 | |
| British Airways Club | 1:1 | 1,000 | Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Cathay Pacific Asia Miles | 1:1 | 1,000 | |
| Emirates Skywards | 2:1.5 | 750 | Emirates award checks |
| Etihad Guest | 1:1 | 1,000 | |
| EVA Air Infinity MileageLands | 2:1.5 | 750 | |
| Finnair Plus | 1:1 | 1,000 | Also spends Avios: British Airways' Transfer your Avios page lets Avios move between this program and British Airways Club, instantly and at the same value. Avios pooling rules |
| Japan Airlines Mileage Bank | 2:1.5 | 750 | Capital One has run 30% transfer bonuses to JAL; the latest is reported (Doctor of Credit, Thrifty Traveler) as running September 1-30, 2026. Without one, an award costs a third more Capital One miles than its JAL price. Citi vs Capital One to JAL |
| JetBlue TrueBlue | 5:3 | 600 | At 5:3, 1,000 Capital One miles become 600 TrueBlue points, and TrueBlue points cannot move on to another airline. JetBlue no-stranding check |
| Qantas Frequent Flyer | 1:1 | 1,000 | Qantas no-stranding check |
| Qatar Airways Privilege Club | 1:1 | 1,000 | Also spends Avios: British Airways' Transfer your Avios page lets Avios move between this program and British Airways Club, instantly and at the same value. Avios pooling rules |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 | |
| TAP Miles&Go | 1:1 | 1,000 | |
| Turkish Airlines Miles&Smiles | 1:1 | 1,000 | |
| Virgin Red | 1:1 | 1,000 | Virgin Red is a separate program from Virgin Atlantic Flying Club; Citi lists the two together, Chase lists only Flying Club. |
| Accor Live Limitless (hotel) | 2:1 | 500 | |
| Choice Privileges (hotel) | 1:1 | 1,000 | |
| I Prefer Hotel Rewards (hotel) | 1:2 | 2,000 | |
| Wyndham Rewards (hotel) | 1:1 | 1,000 | Wyndham prices free nights in flat tiers of 5,000, 15,000, 30,000 or 45,000 points, so at 1:1 the tier is the transfer size. Wyndham award tiers |
Where can Bilt points go?
25 partners. Bilt Rewards is a rewards program that earns on rent and other spending, not a bank. Each Bilt partner page prints what 1,000 Bilt Points become: 23 of its 25 airline and hotel partners are 1:1, Accor is 3:2 and I Prefer 1:2. Bilt also lists Amtrak Guest Rewards at 2:1, a rail program this matrix leaves out. Nine Bilt partner pages state a 1,000-point minimum, and the Etihad, I Prefer, Southwest and United pages set 2,000 for Blue members, Bilt's entry status; the other pages state no number. The Hilton, Marriott, Wyndham, Accor, JAL and Qatar pages state 1,000-point increments. Published transfer time: immediate in most cases on most Bilt partner pages, with up to 48 hours allowed; 24 hours for British Airways, Iberia, Aer Lingus and LifeMiles; up to 72 hours for Etihad, I Prefer, Qatar, Southwest and Turkish; the IHG and Flying Blue pages state no time.
| Program | Ratio | 1,000 points become | Know before you send |
|---|---|---|---|
| Aer Lingus AerClub | 1:1 | 1,000 | Bilt's page: credited within 24 hours. Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Air Canada Aeroplan | 1:1 | 1,000 | Aeroplan award checks |
| Air France-KLM Flying Blue | 1:1 | 1,000 | Since September 8, 2026, Air France- and KLM-operated awards price in three fare families (Light, Standard, Flex); size the transfer for the family you need. Flying Blue fare families |
| Alaska Airlines & Hawaiian Airlines Atmos Rewards | 1:1 | 1,000 | Atmos Rewards, the program for Alaska and Hawaiian flights, is on no other partner list in this matrix. |
| Avianca LifeMiles | 1:1 | 1,000 | Bilt's page: credited within 24 hours. |
| British Airways Club | 1:1 | 1,000 | Bilt's page: credited within 24 hours. Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Cathay Pacific Asia Miles | 1:1 | 1,000 | Bilt's page: 1,000 to 1,000,000 points in one transaction. |
| Emirates Skywards | 1:1 | 1,000 | The only 1:1 route to Skywards in this matrix: Amex and premium Citi cards give 800 per 1,000, Capital One 750. The name on both accounts must match. Emirates award checks |
| Etihad Guest | 1:1 | 1,000 | Blue members must send at least 2,000 points; credited within 72 hours. |
| Iberia Club | 1:1 | 1,000 | Bilt's page: credited within 24 hours. Spends Avios. British Airways' Transfer your Avios page lets Avios move instantly, at the same value, between British Airways Club and Iberia Club, AerClub, Loganair, Vueling Club, Qatar Airways Privilege Club and Finnair Plus; they cannot become another airline's miles. Avios pooling rules |
| Japan Airlines Mileage Bank | 1:1 | 1,000 | Steps of 1,000 points. The same 1,000 per 1,000 as a premium Citi card without its bonus, against Capital One's 750. Citi vs Capital One to JAL |
| Qatar Airways Privilege Club | 1:1 | 1,000 | Steps of 1,000 points, up to 1,000,000 a day; up to 72 hours. Also spends Avios: British Airways' Transfer your Avios page lets Avios move between this program and British Airways Club, instantly and at the same value. Avios pooling rules |
| Southwest Rapid Rewards | 1:1 | 1,000 | Blue members must send at least 2,000 points; credited within 72 hours. |
| TAP Miles&Go | 1:1 | 1,000 | |
| Turkish Airlines Miles&Smiles | 1:1 | 1,000 | Up to 72 hours. |
| United MileagePlus | 1:1 | 1,000 | Bilt's United terms: points earned on rent paid with a Bilt Mastercard cannot be transferred to MileagePlus, and Blue members need at least 2,000 points to transfer. |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | |
| Virgin Red | 1:1 | 1,000 | Bilt lists Virgin Red and Virgin Atlantic Flying Club separately, each at 1 Virgin Point per Bilt Point. |
| Accor Live Limitless (hotel) | 3:2 | 667 | Bilt prints 3,000 points = 2,000 Accor points, above the 2:1 from Citi's premium cards and Capital One. Steps of 1,000 points, up to 1,000,000 a day. |
| Hilton Honors (hotel) | 1:1 | 1,000 | Steps of 1,000 points, up to 1,000,000 a day. Amex's 1:2 gives twice as many Hilton points per point sent. |
| I Prefer Hotel Rewards (hotel) | 1:2 | 2,000 | Blue members must send at least 2,000 points; credited within 72 hours. |
| IHG One Rewards (hotel) | 1:1 | 1,000 | |
| Marriott Bonvoy (hotel) | 1:1 | 1,000 | Bilt's Marriott terms add 5,000 Marriott points for every 20,000 Bilt points sent in one transaction, so 20,000 become 25,000. Steps of 1,000 points, up to 500,000 a day. |
| World of Hyatt (hotel) | 1:1 | 1,000 | 1:1, against the 4:3 Chase prints for Sapphire Preferred. Bilt's terms say Hyatt points transferred from Bilt do not count toward Hyatt elite status. |
| Wyndham Rewards (hotel) | 1:1 | 1,000 | Steps of 1,000 points, up to 1,000,000 a day. Wyndham prices free nights in flat tiers of 5,000, 15,000, 30,000 or 45,000 points. Wyndham award tiers |
Which programs does only one list reach?
Several programs sit on only one partner list, and a program on none of them cannot be reached by a direct transfer at all. Delta SkyMiles is reachable only from Amex: Delta’s own partner page lists American Express Membership Rewards among the card programs that convert to SkyMiles, and not Chase, Citi or Capital One (Delta, Convert Partner Points, checked 2026-09-25), and Bilt’s partner list has no Delta either. ANA is also Amex-only; American AAdvantage and Thai Airways Royal Orchid Plus are Citi-only; Alaska’s Atmos Rewards is Bilt-only; Finnair Plus is a direct transfer from Capital One only, though British Airways lets Avios move into it from British Airways Club. United, Southwest, IHG and World of Hyatt are on Chase’s and Bilt’s lists and no other; Hilton is on Amex’s and Bilt’s. Japan Airlines is on the Capital One, Citi and Bilt lists but not Chase’s or Amex’s. For Amex to Delta, see the Amex-to-Delta checks.
Because of those single-list programs, no two lists together reach every program on this page. Counting the Avios programs as one (British Airways lets Avios move between them, Finnair Plus included), Amex, Citi and Bilt together do. Which currencies are enough for you depends on the programs you book: the transfer points coverage tool scores each currency, and each pair, against your own list of programs at the rates above.
Where these numbers come from
Each bank block cites the partner page it was read from and the date. A ratio appears only when the bank prints it; Citi’s ratios are its printed “1,000 points = N” figures reduced to a ratio, and Amex’s are its printed “N points = M” figures reduced the same way, and Bilt’s are the “N Bilt Points = M” figures on each of its partner pages (Accor’s 3,000 = 2,000 becomes 3:2). The one statement that rests on reporting rather than a bank page is labelled in the Hyatt row: which Chase cards other than Sapphire Preferred move to 4:3, detailed with its sources in the Chase-to-Hyatt guide. Partner lists change without notice, and the bank’s transfer screen is the final word for your card.