A Guide To All Major Credit Card Rewards Transfer Partners
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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.
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American Express Transfer Partners
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 Partner||Transfer Ratio||Transfer Time|
|Aer Lingus||1:1||Almost Instant|
|Air Canada||1:1||Almost Instant|
|Avianca LifeMiles||1:1||Almost instant|
|British Airways||1:1||Almost Instant|
|Cathay Pacific||1:1||Up to 1 Week|
|Delta Air Lines||1:1||Almost Instant|
|Etihad Airways||1:1||Almost Instant|
|Flying Blue Air France/KLM||1:1||Almost Instant|
|Singapore Airlines||1:1||1-2 days|
|Virgin Atlantic||1:1||1-2 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 Partner||Transfer Ratio|
(Amex > Partner)
|Choice Privileges||1:1||Almost Instant|
|Hilton Honors||1:2||Almost Instant|
|Marriott Bonvoy||1:1||Almost Instant|
Chase Transfer Partners
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 Partner||Transfer Ratio|
(Chase > Airline)
|Aer Lingus AerClub||1:1||Almost Instant|
|Air Canada Aeroplan||1:1||Almost Instant|
|Air France-KLM Flying Blue||1:1||1 hour|
|British Airways Executive Club||1:1||Almost Instant|
|Emirates Skywards||1:1||Almost instant|
|Iberia Plus||1:1||Almost Instant|
|Singapore Airlines KrisFlyer||1:1||1-2 days|
|Southwest Airlines Rapid Rewards||1:1||Almost Instant|
|United Airlines MileagePlus||1:1||Almost Instant|
|Virgin Atlantic Flying Club||1:1||Almost 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 Partner||Transfer Ratio||Transfer Time|
|IHG One Rewards||1:1||1 day|
|Marriott Bonvoy||1:1||2 days|
|World of Hyatt||1:1||Almost Instant|
Capital One Transfer Partners
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 Partner||Transfer Ratio||Transfer Time|
|Aeromexico Club Premier||1:1||Almost Instant|
|Air Canada Aeroplan||1:1||Almost Instant|
|Avianca LifeMiles||1:1||Almost Instant|
|British Airways Avios||1:1||Almost Instant|
|Cathay Pacific Asia Miles||1:1||Up to 36 hours|
|Choice Privileges||1:1||Up to 24 hours|
|Emirates Skywards||1:1||Almost Instant|
|Etihad Guest||1:1||Up to 36 hours|
|EVA Infinity MileageLands||2:1.5||Up to 36 hours|
|Finnair Plus||1:1||Almost Instant|
|Flying Blue AIR FRANCE KLM||1:1||Almost Instant|
|Qantas Frequent Flyer||1:1||Up to 36 hours|
|Singapore Airlines KrisFlyer||1:1||Up to 36 hours|
|TAP Air Portugal Miles&Go||1:1||Almost Instant|
|Turkish Airlines Miles&Smiles||1:1||Up to 24 hours|
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 Partner||Transfer Ratio||Transfer Time|
|ALL – Accor Live Limitless||1:1||Up to 36 hours|
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 Partner||Transfer Ratio||Transfer Time|
|Aeromexico Club Premier||1:1||Almost Instantly|
|Air France / KLM Flying Blue||1:1||Almost Instantly|
|Avianca Airlines Lifemiles||1:1||Almost Instantly|
|Cathay Pacific||1:1||Almost Instantly|
|Emirates Skywards||1:1||Almost Instantly|
|Etihad Airways||1:1||Almost Instantly|
|EVA Air||1:1||2 Days|
|JetBlue Airways||1:1||Almost Instantly|
|Qantas Airways||1:1||Almost Instantly|
|Qatar Airways||1:1||2 Days|
|Singapore Airlines||1:1||2 Days|
|Thai Airways||1:1||4 Days|
|Turkish Airlines||1:1||Almost Instantly|
|Virgin Atlantic||1:1||Almost 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 Partner||Transfer Ratio||Transfer Time|
|Choice Privileges||1:2||Almost Instantly|
|Wyndham Rewards||1:1||Within 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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