All Major Credit Card Rewards Transfer Partners

Credit card points are the only travel currency that works across dozens of airline and hotel programs at once. Transfer them to the right partner, and 60,000 points that would buy about $750 in cash travel can book a business class seat worth $5,000 or more.

But not every card transfers to every program. This is the map of who partners with whom as of April 2026, which is the single most important thing to know before you apply for a card or transfer points.

New to this? Start with how credit card points and miles work. Card shopping? Our best credit cards for every traveler has current signup bonuses.

American Express Membership Rewards

Amex has the deepest lineup for reaching Star Alliance, SkyTeam, and oneworld airlines on one currency. Strong across Asia-Pacific (ANA, Singapore, Cathay) and Europe (Flying Blue, Virgin Atlantic). The gaps you’ll feel: no United, no Southwest, no Hyatt.

Airline partners:

Hotel partners:

A few things worth calling out. The JetBlue ratio is bad at 1:0.8, avoid it. Cathay and Emirates now transfer at 5:4, not the 1:1 you’ll see in older guides. Etihad is leaving June 30, 2026, so transfer before then if you need Etihad miles. If you’re pooling Amex points with a partner or spouse, our guide to sharing Membership Rewards has the full process.

Chase Ultimate Rewards

Chase has the tidiest lineup of any currency: only 10 airline partners, but every transfer is 1:1 and every partner is usable. Owns the North American alliance play with United, Aeroplan, and Southwest, plus Hyatt for hotels, which is arguably the best points currency in hospitality.

Airline partners:

Hotel partners:

How to transfer Chase rewards

Online or via the app: Ultimate Rewards Home > Travel > Transfer Points to Partners.

Points transfer in 1,000-point increments. Access to transfer partners requires a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred. Freedom and Ink Cash holders have to combine points into a premium account first.

The hidden value sits in two places. Virgin Atlantic via Chase unlocks Delta saver space at a sweet-spot rate, and Aeroplan stopovers turn one booking into two trips.

Capital One Venture Miles

Capital One has the widest airline lineup of any US currency at 18 partners, and it’s the only major bank that reaches Turkish, TAP, Finnair, and Virgin Red. The weak spot: no hotel heavyweights. No Marriott, Hilton, Hyatt, or IHG, just Accor, Choice, Preferred, and Wyndham.

Airline partners:

Hotel partners:

How to transfer Capital One rewards

Online or via the app: Rewards Home > Convert Rewards.

Watch the ratios. JAL and EVA transfer at 2:1.5, not 1:1. JetBlue is even worse at 5:3. Emirates is 4:3. Everything else is 1:1.

The strongest plays are Turkish Miles & Smiles partner awards, Aeroplan, and LifeMiles. Capital One also runs frequent transfer bonuses, as of April 2026, a 30% bonus to JAL is live through April 30.

Citi ThankYou Rewards

Citi doubled in value when American AAdvantage joined the lineup on July 27, 2025. It’s now the only major transferable currency that reaches AA at 1:1. Layer that on top of Citi’s classic unique partners (Thai Airways, Qatar, Turkish) and it’s no longer the “niche airlines Amex doesn’t have” program it used to be.

Airline partners:

Hotel partners:

Caveat on the ratios: numbers above are for Strata Premier, Strata Elite, and Prestige. If you hold Strata, Double Cash, or Custom Cash (non-premium cards), transfers go through at about 70% of these rates.

AAdvantage at 1:1 is the big one. Citi is the only major transferable currency that transfers to American at 1:1, which changes card strategy for anyone who flies AA or oneworld.

Bilt Rewards

Bilt is the newest major transferable currency and has grown into one of the most valuable. You earn Bilt by paying rent (the biggest single bill in most people’s budgets), which means it’s the only program that turns a fixed monthly cost into real travel points.

Airline partners:

Hotel partners:

Two unique plays. Atmos Rewards (the combined Alaska + Hawaiian program that launched in 2026) is only available through Bilt. Bilt is also one of only two currencies, alongside Chase, that transfers to World of Hyatt at 1:1.

Rent Day: on the first of each month, Bilt typically runs a 100% transfer bonus to one rotating airline or hotel partner, plus double points on non-rent spend. Time transfers around Rent Day when possible.

Marriott Bonvoy to Airlines

Marriott Bonvoy isn’t strictly a transferable bank currency, but it functions like one for airlines. The base ratio is 3 Marriott Bonvoy points for 1 airline mile. Transfer in 60,000-point blocks and Marriott adds a 5,000-mile bonus, making it effectively 3:1.25.

How it looks across the major airline partners:

• United gets the best bonus: an extra 10,000-mile bonus per 60K (not just the standard 5K), so 60,000 Bonvoy = 35,000 United miles.
• American, Delta, and Avianca do NOT get the 5K bonus, they transfer at a flat 3:1. Don’t use Bonvoy for these unless you’re topping off a tiny balance.
• Not in the lineup: Lufthansa Miles & More, JetBlue TrueBlue, Hawaiian (now folded into Atmos), and Finnair Plus.
• Allow time. Marriott airline transfers are slow, plan on up to a week.

Best use: topping off an airline balance when you’ve accumulated Bonvoy from credit card spend or hotel stays and don’t need the points for another Marriott night.

Which currency for what

If you’re deciding which card ecosystem to focus on, here’s how they break down by what each one uniquely unlocks:

• United, Hyatt, or Southwest: Chase is the only real answer.
• Turkish, TAP, Finnair, Virgin Red: Capital One (see our Turkish M&S guide).
• American AAdvantage at 1:1: Citi (the only major bank that does this).
• ANA, Singapore, Cathay, ANA awards to Japan: Amex is the deepest.
• Alaska + Hawaiian Atmos, Hyatt without a Chase card: Bilt.
• Topping off an airline balance: Marriott Bonvoy, especially if you earn Bonvoy from hotel stays.

Most people I know who book a lot of award travel hold at least two of these, typically Chase plus either Amex, Bilt, or Capital One. No single currency covers every program.

Summary & Takeaways

Transfer partners are the reason credit card points are more valuable than cash-back. The catch is that the map of who partners with whom changes every few months, and a guide from even two years ago will steer you wrong on at least a few programs.

For current signup offers, see our best credit cards for every traveler. For the biggest sweet spots using Star Alliance partners, our Star Alliance guide and Turkish Miles & Smiles guide are the best starting points.

The map will change again. We update this post when it does.