All Major Credit Card Rewards Transfer Partners

Singapore Airlines

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Credit card points are some of the most valuable travel benefit anyone can have on hand. Whether you are flying to Rome, Paris, or Tel Aviv, credit card points can often make the difference of a comfortable trip in business class entirely for free.

If you are unfamiliar with the process, see our guide to how credit card points and miles work.

The biggest benefit to credit card rewards is the ability to transfer them to various airline partners. This makes them incredibly more valuable and will allow you to book flights across an entire partners network.

There are always tons of options to earn more credit card points. If you are looking to sign up for a new card and gain points see the latest offers in our guide to the best credit card for every traveler.

Not all credit cards transfer to the same airlines so it’s important to understand the partnerships that are in place. We will break down each of the major credit card programs and who they allow you to transfer miles to.

American Express Transfer Partners

american express

American Express is one of the premier credit card provider in terms of rewards. They constantly offer some of the biggest benefits for travelers including large sign up bonuses and multiple ways to earn points from every day spending.

Here are the following airlines that allow you to transfer American Express miles to:

Amex Airline PartnerTransfer RatioTransfer Time
Aer Lingus1:1Almost Instant
AeroMexico1:1.62-12 days
Air Canada1:1Almost Instant
ANA1:13 days
Avianca LifeMiles1:1Almost instant
British Airways1:1Almost Instant
Cathay Pacific1:1Up to 1 Week
Delta Air Lines1:1Almost Instant
Emirates1:1Almost Instant
Etihad Airways1:1Almost Instant
Flying Blue Air France/KLM1:1Almost Instant
Hawaiian1:1Almost Instant
Iberia1:11-3 days
JetBlue1:0.8Almost Instant
Qantas1:1Almost Instant
Singapore Airlines1:11-2 days
Virgin Atlantic1:11-2 days

American Express also partners with various hotel groups to give you another option to use your miles. Here are all the hotel groups you can transfer American Express points to:

Amex Hotel PartnerTransfer Ratio
(Amex > Partner)
Transfer Time
Choice Privileges1:1Almost Instant
Hilton Honors1:2Almost Instant
Marriott Bonvoy1:1Almost Instant

Chase Transfer Partners

chase credit card

Chase has made a splash in the premium credit card rewards space after launching one of the most successful cards in the Sapphire. They also have plenty of transfer partners to choose from making your rewards that much more valuable.

Here are the following airlines you can transfer Chase rewards to:

Chase Airline Transfer PartnerTransfer Ratio
(Chase > Airline)
Transfer Time
Aer Lingus AerClub1:1Almost Instant
Air Canada Aeroplan1:1Almost Instant
Air France-KLM Flying Blue1:11 hour
British Airways Executive Club1:1Almost Instant
Emirates Skywards1:1Almost instant
Iberia Plus1:1Almost Instant
JetBlue1:1Almost Instant
Singapore Airlines KrisFlyer1:11-2 days
Southwest Airlines Rapid Rewards1:1Almost Instant
United Airlines MileagePlus1:1Almost Instant
Virgin Atlantic Flying Club1:1Almost Instant

Chase rewards has also partnered with multiple hotel groups and although not as valuable as airlines it still provides a good option to redeem your points. Note that the transfer time is a bit longer for some hotel groups making you wait before being able to confirm your stay.

Here are the following hotel partners you can transfer Chase rewards to:

Chase Hotel Transfer PartnerTransfer RatioTransfer Time
IHG One Rewards1:11 day
Marriott Bonvoy1:12 days
World of Hyatt1:1Almost Instant

How To Transfer Chase Rewards

Chase allows you to do this online or via their app by going to Ultimate Rewards Home > Travel > Transfer Points to Partners

Chase Ultimate Rewards Transfer Points

Once you land on the screen it will show you all eligible programs as well as any bonus promotions they are running.

Note, most points transfer at a 1:1 ratio and must be rounded to the nearest 1,000.

Capital One Transfer Partners

credit cards

Capital One is another popular credit card provider and becoming increasingly more valuable for rewards. The provider is also putting focus on building their own airport lounges after noticing the success of the Amex Centurion Lounges.

When it comes to airline partners Capital One has plenty and you will also find some programs that you cannot get with Amex or Chase.

Here are the airline partners you can transfer Capital One points to:

Capital One Airline PartnerTransfer RatioTransfer Time
Aeromexico Club Premier1:1Almost Instant
Air Canada Aeroplan1:1Almost Instant
Avianca LifeMiles1:1Almost Instant
British Airways Avios1:1Almost Instant
Cathay Pacific Asia Miles1:1Up to 36 hours
Choice Privileges1:1Up to 24 hours
Emirates Skywards1:1Almost Instant
Etihad Guest1:1Up to 36 hours
EVA Infinity MileageLands2:1.5Up to 36 hours
Finnair Plus1:1Almost Instant
Flying Blue AIR FRANCE KLM1:1Almost Instant
Qantas Frequent Flyer1:1Up to 36 hours
Singapore Airlines KrisFlyer1:1Up to 36 hours
TAP Air Portugal Miles&Go1:1Almost Instant
Turkish Airlines Miles&Smiles1:1Up to 24 hours
Virgin Red1:1Unknown

While Capital One is missing the ability to transfer to some major hotel groups like Marriott Bonvoy, they still provide a few hotel transfer partners.

Capital One Hotel PartnerTransfer RatioTransfer Time
ALL – Accor Live Limitless1:1Up to 36 hours
Wyndham Rewards1:1Instant

How To Transfer Capital One Rewards

Capital One allows you to do this online or via their app by going to Rewards Home > Convert Rewards.

Capital One Rewards Transfer Points

Once you land on the screen it will show you all eligible programs.

Citi Transfer Partners

While Citi does not have much of a premium rewards offering they still can provide value for airline miles. Similar to Capital One they work with certain airlines that are not available on Amex or Chase making them incredibly valuable if you are seeking a flight on those airlines.

Here are all the airlines you can transfer Citi rewards to.

Citi Transfer PartnerTransfer RatioTransfer Time
Aeromexico Club Premier1:1Almost Instantly
Air France / KLM Flying Blue1:1Almost Instantly
Avianca Airlines Lifemiles1:1Almost Instantly
Cathay Pacific1:1Almost Instantly
Emirates Skywards1:1Almost Instantly
Etihad Airways1:1Almost Instantly
EVA Air1:12 Days
JetBlue Airways1:1Almost Instantly
Qantas Airways1:1Almost Instantly
Qatar Airways1:12 Days
Singapore Airlines1:12 Days
Thai Airways1:14 Days
Turkish Airlines1:1Almost Instantly
Virgin Atlantic1:1Almost Instantly

Similar to Capital One, Citi does not work with some of the major hotel groups but they do have a few options.

Citi Hotel PartnerTransfer RatioTransfer Time
Choice Privileges1:2Almost Instantly
Wyndham Rewards1:1Within 24 Hours

Summary & Takeaways

The reason credit card points are so valuable to travel is their ability to transfer to airline and hotel partners. There are constantly deals running across all credit card providers that offer multiple ways to earn points that can be redeemed for travel.

To see the latest offers visit our guide to the best credit cards for every traveler.

We expect these credit cards will continue to expand their partners with airlines and hotels to continue to provide more options for consumers.

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