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Current transfer bonuses include:
- 25% from AMEX to Air France/KLM Flying Blue through 10/31.
- 20% from Capital One to Avios through 10/31. Read more.
- 30% from Capital One to Virgin Atlantic through 11/20. Read more.
- 10% from Citi to Cathay Pacific Asia Miles through 11/14.
- 35% from AMEX to Marriott through 12/10.
One of the most common questions we get is where can I use my points and how long does a points transfer take. Below you can find charts answering those questions for the four major US credit card banks!
These charts should also guide you for which credit cards you will want to signup for and spend on, as that will depend on where you want to transfer those points to.
You can also read this post that breaks down the expiration policies and more of each program.
Note that transfer times below are typical, but timeframes can always vary, especially for new accounts.
Chase Ultimate Rewards transfer partners include:
| Aer Lingus | None | 1:1 | Instant | 20%, March 2026 30%, October 2025 20%, March 2025 30%, October 2024 30%, September 2023 |
| Air Canada | Star Alliance | 1:1 | Instant | 20%, September 2026 20%, April 2026 15-25%, January 2026 20%, July 2025 20%, Janaury 2025 20%, July 2024 20%, January 2024 30%, November 2022 |
| Air France/KLM Flying Blue | Skyteam | 1:1 | Instant | 20%, May 2026 20%, September 2025 25%, May 2025 20%, Janaury 2025 25%, April 2024 |
| British Airways | OneWorld | 1:1 | Instant | 20%, March 2026 30%, October 2025 20%, March 2025 30%, October 2024 30%, September 2023 |
| Emirates Ended 10/15/25 | None | Currently unavailable | Instant | None |
| Finnair | OneWorld | 1:1 via British Airways | Instant | 20%, March 2026 30%, October 2025 20%, March 2025 30%, October 2024 |
| Hilton | Hotel program | 1:1.5 via Virgin Atlantic | 2-4 weeks | 30%, June 2024 |
| Hyatt | Hotel program | 1:1 | Instant | None |
| IHG | Hotel program | 1:1 | Instant | 70%, August 2026 100%, July 2026 70%, April 2026 70%, January 2026 80%, October 2025 100%, September 2025 80%, April 2025 70%, January 2025 80%, July 2024 60%, March 2024 70%, July 2023 |
| Iberia | OneWorld | 1:1 | Instant | 20%, March 2026 30%, October 2025 20%, March 2025 30%, October 2024 30%, September 2023 |
| JetBlue | None | 1:1 | Instant | 25%, January 2024 |
| Marriott | Hotel program | 1:1 | 1 day | 55%, June 2026 65%, May 2026 50%, February 2026 70%, November 2025 50%, August 2025 65%, June 2025 50%, March 2025 50%, November 2024 70%, August 2024 40%, June 2024 50%, September 2023 |
| Qatar | OneWorld | 1:1 via British Airways | Instant | 20%, March 2026 30%, October 2025 20%, March 2025 30%, October 2024 30%, September 2023 |
| Singapore | Star Alliance | 1:1 | Less than 1 day | 15%, January 2021 |
| Southwest | None | 1:1 | Instant | 30%, June 2026 25%, October 2025 20%, October 2020 |
| United | Star Alliance | 1:1 | Instant | None |
| Virgin Atlantic | Skyteam | 1:1 | Instant | 30%, July 2026 30%, December 2025 40% November 2025 25%, June 2025 30%, February 2025 40% November 2024 30%, June 2024 |
| Wyndham | Hotel program | 1:1 | Instant | None |
Some of my favorite Chase transfer partners include United, which never charges fuel surcharges for any awards and has free award changes and redeposits, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, British Airways, which charges low rates for short-haul flights such as on their US partner American, Flying Blue, which has great rates for travel to Europe, Southwest, which allows you to cancel awards without penalty, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Hyatt, which has by far and away the most valuable hotel points.
If you, a member in your household, or an authorized user has one of the following Chase cards, you can transfer points into miles:
- Chase Sapphire Preferred® Card has a 75K signup bonus for spending $5K in 3 months, earns 2 points per dollar on travel, 3 points per dollar on dining, gas, EV charging, vacation rentals, streaming, and online groceries, 5 points per dollar on Chase Travel℠ and Lyft, has a $100 hotel credit, can transfer all Chase points into miles, and points are worth at least 1 cents each for paid travel ($95 annual fee).
- Chase Sapphire Reserve® has a 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. ($795 annual fee) Read more here.
- Chase Sapphire Reserve for Business℠ has a 200,000 bonus points signup bonus after you spend $30,000 on purchases in the first 6 months from account opening ($795 annual fee). Read more here.
- Ink Business Preferred® Credit Card has a 100,000 signup bonus for spending $8K in 3 months, and earns 3 points per dollar on up to $150K of annual spending on shipping; social media and search engine advertising; travel; internet, cable, and phone services, can transfer all Chase points into miles, and points are worth at least 1 cents each for paid travel ($95 annual fee). Read more here.
Chase no-annual fee cards that are fantastic for earning points, but require one of the cards above for points transfers include:
- Ink Business Unlimited® Credit Card has a $750 signup bonus in the form of 75K points for spending $6K in 3 months, and earns 1.5 points per dollar on business purchases ($0 annual fee). Read more here.
- Ink Business Cash® Credit Card has a $750 signup bonus in the form of 75K points for spending $6K in 3 months. This card earns 5 points per dollar on the first $25,000 in combined purchases on cable, TV, telecom, cellular, and office supply stores, plus 2 points per dollar on dining and gas on up to $25,000 in purchases ($0 annual fee). Read more here.
- Chase Freedom Flex® has a $250 signup bonus for spending $500 in 3 months, plus 5 points on rotating categories, 5 points per dollar on travel purchased through Chase Travel℠, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
- Chase Freedom Unlimited® has a $200 signup bonus in the form of 20K points for spending $500 in 3 months, 1.5 points per dollar everywhere, 5 points per dollar (marketed as 5% cash back) on travel purchased through Chase Travel℠, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
AMEX transfer partners include:
| ANA | Star Alliance | 1:1 | 1-2 days | None |
| Aer Lingus | None | 1:1 | Instant | 30%, September 2026 30%, June 2025 20%, March 2025 30%, September 2024 30%, August 2023 40%, May 2022 |
| AeroMexico | Skyteam | 1:1.6 | 1-5 days | 20%, October 2026 20%, April 2025 20%, May 2024 |
| Air Canada | Star Alliance | 1:1 | Instant | 15%, September 2022 |
| Air France/KLM Flying Blue | Skyteam | 1:1 | Instant | 25%, October 2026 25%, June 2026 20%, October 2025 20%, November 2024 25%, September 2023 |
| Alaska Ended 6/29/25 | OneWorld | Currently unavailable | Currently unavailable | 20%, August 2024 |
| Avianca Lifemiles | Star Alliance | 1:1 | Instant | 15%, July 2026 15%, March 2026 15%, December 2025 15%, July 2025 15%, February 2025 15%, November 2024 15%, June 2024 |
| British Airways | OneWorld | 1:1 | Instant | 30%, September 2026 30%, June 2025 20%, March 2025 30%, September 2024 30%, August 2023 40%, May 2022 |
| Cathay Pacific | OneWorld | 1:0.8 | Instant | 10%, August 2026 Targeted 15%, December 2025 10%, October 2025 Targeted 10-15%, November 2024 10%, March 2024 Targeted 20%, June 2023 |
| Choice Hotels | Hotel program | 1:1 | Instant | 25%, October 2022 |
| Delta | Skyteam | 1:1 | Instant | 80%, February 2011 |
| Emirates | None | 1:0.8 | Instant | 25%, November 2018 |
| Etihad Ended 6/29/26 | None | Currently unavailable | Currently unavailable | Targeted 10-20%, April 2025 Targeted 20%, April 2024 20%, July 2022 |
| Finnair | OneWorld | 1:1 via British Airways | Instant | 30%, September 2026 30%, June 2025 20%, March 2025 30%, September 2024 |
| Hawaiian Ended 6/29/25 | None | Currently unavailable | Currently unavailable | Ends 6/29/25 20%, August 2024 20%, January 2023 |
| Hilton | Hotel program | 1:2 | Instant | 20%, July 2026 20%, May 2026 Targeted 25%, June 2025 25%, March 2025 30%, September 2024 Platinum card only 40%, May 2024 Targeted 30%, December 2023 25%, August 2023 30%, April 2023 40%, June 2021 |
| Iberia | OneWorld | 1:1 | 1 day | 30%, September 2026 30%, June 2025 20%, March 2025 30%, September 2024 30%, August 2023 40%, May 2022 |
| JetBlue | None | 1:0.8 | Instant | 10%, May 2026 25%, December 2024 25%, November 2023 |
| Leaders Club | Hotel program | 4:1 | Instant | None |
| Marriott | Hotel program | 1:1 | Instant | 35%, December 2026 20%, June 2026 20%, July 2025 25%, March 2025 35%, December 2024 20%, November 2023 40%, June 2021 |
| Qantas | OneWorld | 1:1 | Instant | 20%, September 2022 |
| Qatar | OneWorld | 1:1 | Instant | 30%, September 2026 30%, June 2025 20%, March 2025 30%, September 2024 30%, August 2023 40%, May 2022 |
| Singapore | Star Alliance | 1:1 | Instant | Targeted 20%, December 2023 20%, December 2021 |
| Virgin Atlantic | Skyteam | 1:1 | Instant | 30%, July 2026 40%, December 2025 40%, December 2024 30%, May 2024 |
Some of my favorite AMEX transfer partners include Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Delta, which has flash sales for discounted, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Qantas, which has the lowest priced award travel on their partner El Al, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, British Airways, which charges low rates for short-haul flights such as on their US partner American, Flying Blue, which has great rates for travel to Europe, ANA, which has a unique round-the-world award chart and inexpensive business class awards with no surcharges on their partner United, and Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel.
Unfortunately AMEX charges a fee to transfer points to US airlines. That adds 60 cents for every 1,000 points transferred with a maximum fee of $99 per transaction.
AMEX cards with transferable Membership Rewards points to miles include, select benefits require enrollment via your AMEX account. Terms apply to offers on this page:
- The Blue Business® Plus Credit Card from American Express is offering as high as 50,000 Membership Rewards® points after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership and offers 2 points per dollar spent on up to $50K spending annually 1 point per dollar thereafter, plus transfer points to airlines and hotels and keep AMEX points alive. Terms apply. Read more here.
- The Business Platinum Card® from American Express is offering as high as 300K bonus points for spending $20,000 in the first 3 months, as well as monthly credits, lounge access, and much more. Terms apply. Welcome offers vary and you may not be eligible for an offer. Read more here.
- American Express® Business Gold Card is offering as high as 200K bonus points for spending $15,000 in 3 months, monthly business credits, Walmart+ membership, up to 4 points per dollar spent with a $150K annual spend cap, and more benefits. Terms apply. Welcome offers vary and you may not be eligible for an offer. Read more here.
- Business Green Rewards Card from American Express is offering 15,000 Membership Rewards® points after you spend $3,000 on eligible purchases on the Business Green Rewards Card® within the first 3 months of Card Membership. Terms apply.
- The Platinum Card® from American Express is offering as high as 175K bonus points for spending $12,000 in the first 6 months and offers monthly credits, lounge access, and much more. Welcome offers vary and you may not be eligible for an offer. Find Out Your Offer! Terms apply. Read more here.
- American Express® Gold Card is offering as high as 100K bonus for spending $6,000 in the first 6 months, monthly credits for Uber and Grubhub, and more. Terms apply. Welcome offers vary and you may not be eligible for an offer. Read more here.
- AMEX Green Consumer Card is offering a 40K bonus for spending $3,000 in the first 6 months and offers up to $209 in annual CLEAR Plus® credits, plus transfer points to airlines and hotels and keep AMEX points alive. All information about the AMEX Green Card has been collected independently by DansDeals.
Capital One transfer partners include:
| Accor | Hotel program | 2:1 | 1-2 days | 20%, November 2022 |
| Aer Lingus | None | 1:1 via British Airways | Instant | 30%, October 2026 20%, November 2025 20%, December 2024 20%, November 2022 |
| AeroMexico | Skyteam | 1:1 | Instant | 20%, March 2022 |
| Air Canada | Star Alliance | 1:1 | Instant | None |
| Air France/KLM Flying Blue | Skyteam | 1:1 | Instant | 20%, September 2024 20%, July 2023 |
| Avianca Lifemiles | Star Alliance | 1:1 | Instant | 15%, August 2026 15%, February 2026 15%, August 2025 15%, September 2023 20%, March 2022 25%, December 2021 |
| British Airways | OneWorld | 1:1 | Instant | 30%, October 2026 20%, November 2025 20%, December 2024 20%, November 2022 |
| Cathay Pacific | OneWorld | 1:1 | Instant | 10%, August 2026 10%, October 2025 10%, March 2024 |
| Choice Hotels | Hotel program | 1:1 | Instant | None |
| Emirates | None | 1:0.75 | Instant | 100%, March 2019 |
| Etihad | None | 1:1 | Instant | 20-40%, March 2025 20-40%, March 2024 30%, April 2023 |
| EVA | Star Alliance | 2:1.5 | Instant | 30%, July 2026 |
| Finnair | OneWorld | 1:1 | Instant | 30%, October 2026 20%, November 2025 20%, December 2024 |
| Hilton | Hotel program | 1:1.5 via Virgin Atlantic | 2-4 weeks | 30%, March 2023 |
| Iberia | OneWorld | 1:1 via British Airways | 1 day | 30%, October 2026 20%, November 2025 20%, December 2024 20%, November 2022 |
| JAL | OneWorld | 1:0.75 | Instant | 30%, April 2026 30%, February 2026 30%, October 2025 |
| JetBlue | None | 1:0.6 | Instant | 5K intro bonus February 2025 |
| Preferred Hotels & Resorts | Hotel program | 1:2 | Instant | None |
| Qantas | OneWorld | 1:1 | Instant | 20%, May 2026 20%, May 2025 20%, December 2024 20%, August 2024 |
| Qatar | OneWorld | 1:1 | Instant | 30%, October 2026 20%, November 2025 20%, December 2024 20%, November 2022 |
| Singapore | Star Alliance | 1:1 | Instant | 15%, January 2021 |
| TAP | Star Alliance | 1:1 | Instant | 15%, June 2023 25%, July 2022 |
| Turkish | Star Alliance | 1:1 | Instant | None |
| Virgin Atlantic | Skyteam | 1:1 | Instant | 30%, November 2026 30%, November 2024 30%, April 2024 |
| Wyndham | Hotel program | 1:1 | Instant | 20%, November 2022 20%, March 2022 |
Some of my favorite Capital One transfer partners include Turkish, which charges 10K miles in coach or 15K miles in business for a United domestic flight (including Hawaii!), Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Flying Blue, which has great rates for travel to Europe, Qantas, which has the lowest priced award travel on their partner El Al, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Wyndham, which can book villas for just 15K points per bedroom per night.
Capital One cards with transferable miles include:
- Capital One Venture Business Card: Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening. Plus, earn 2 miles per dollar spent on every purchase, $50 annual travel credit, $50 annual software/advertising credit, Global Entry/PreCheck, transfer miles to airlines and hotels, 5K MLB redemptions, and more. No foreign transaction fees. $95 annual fee. Read more here.
- Capital One Venture Rewards Credit Card is offering 75,000 bonus miles for spending $4K in 3 months, plus 2 miles per dollar spent on every purchase, transfer miles to airlines and hotels, 5K MLB redemptions, and more. No foreign transaction fees. $95 annual fee. Read more here.
- Capital One Venture X Rewards Credit Card is offering 75,000 bonus miles for spending $4K in 3 months, plus earn 2 miles per dollar spent on every purchase, $300 annual travel credit for bookings through Capital One Travel, 10K anniversary bonus miles, Global Entry/Pre-Check, Capital One lounge & Landing access, Priority Pass™ Lounge membership, Hertz President's Circle status, free lounge access and status for free additional cardholders, transfer miles to airlines and hotels, 5K MLB redemptions, and more. No foreign transaction fees. $395 annual fee. Read more here.
- Capital One Venture X Business: Earn up to $4,300 in travel value when you spend $120,000 in your first 4 months as a cardholder. Also receive a $300 annual travel credit for bookings through Capital One Business Travel, 10K anniversary bonus miles, Global Entry/Pre-Check, Capital One lounge & Landing access, Enhanced Priority Pass™ Lounge membership, transfer miles to airlines and hotels, 5K MLB redemptions, and more. $395 annual fee. No foreign transaction fees. Read more here.
- Capital One VentureOne Rewards Credit Card is offering 20,000 bonus miles for spending $500 in 3 months, transfer miles to airlines and hotels, 5K MLB redemptions, and more. No foreign transaction fees. No annual fee.
Citi ThankYou transfer partners include:
| Accor | Hotel program | 2:1 | Instant | 50%, July 2026 50%, July 2025 50%, May 2024 |
| Aer Lingus | None | 1:1 via Qatar | 1-2 days | 30%, October 2026 30%, June 2026 20-40%, October 2025 30%, May 2025 20%, March 2025 20%, December 2024 25-35%, October 2024 30%, May 2024 40% June 2022 |
| AeroMexico | Skyteam | 1:1 | Instant | None |
| Air France/KLM Flying Blue | Skyteam | 1:1 | Instant | 20%, August 2026 20%, July 2025 25%, August 2024 25%, June 2023 |
| American | OneWorld | 1:1 | Instant | None |
| Avianca Lifemiles | Star Alliance | 1:1 | Instant | 25%, April 2026 25%, October 2025 25%, April 2025 25%, October 2024 25%, April 2023 |
| British Airways | OneWorld | 1:1 via Qatar | Instant | 30%, October 2026 30%, June 2026 20-40%, October 2025 30%, May 2025 20%, March 2025 20%, December 2024 25-35%, October 2024 30%, May 2024 40% June 2022 |
| Cathay Pacific | OneWorld | 1:1 | Instant | 10%, November 2026 10%, August 2026 10%, October 2025 15%, July 2024 10%, March 2024 15%, July 2023 |
| Choice Hotels | Hotel program | 1:1.5K | Instant | None |
| Copa | Star Alliance | 1:1 | Instant | None |
| Emirates | None | 1:0.8 | Instant | None |
| Etihad | None | 1:1 | Instant | 20-40%, October 2024 25%, July 2016 |
| EVA | Star Alliance | 1:1 | 2-3 days | None |
| Finnair | OneWorld | 1:1 via Qatar | Instant | 30%, October 2026 30%, June 2026 20-40%, October 2025 30%, May 2025 20%, March 2025 20%, December 2024 25-35%, October 2024 |
| Hilton | Hotel program | 1:1.5 via Virgin Atlantic | 2-4 weeks | 30%, March 2023 |
| Iberia | OneWorld | 1:1 via Qatar | Instant | 30%, October 2026 30%, June 2026 20-40%, October 2025 30%, May 2025 20%, March 2025 20%, December 2024 25-35%, October 2024 30%, May 2024 40% June 2022 |
| JAL | OneWorld | 1:1 | Instant | 30%, October 2026 |
| JetPrivilege | None | Currently Unavailable | Currently Unavailable | None |
| JetBlue | None | 1:1 | Instant | 25%, October 2019 |
| Leaders Club | Hotel program | 5:1 | Instant | 25%, October 2024 |
| Malaysia | OneWorld | Currently Unavailable | Currently Unavailable | None |
| Qantas | OneWorld | 1:1 | Instant | 20%, November 2025 25%, February 2020 |
| Qatar | OneWorld | 1:1 | Instant | 30%, October 2026 30%, June 2026 20-40%, October 2025 30%, May 2025 20%, March 2025 20%, December 2024 25-35%, October 2024 30%, May 2024 40% June 2022 |
| Preferred Hotels & Resorts | Hotel program | 1:2K | Instant | 30%, June 2026 |
| Singapore | Star Alliance | 1:1 | 1 day | 15%, January 2021 |
| Thai | Star Alliance | 1:1 | 3-7 days | None |
| Turkish | Star Alliance | 1:1 | Instant | 40%, August 2026 50%, October 2025 50%, June 2024 25%, February 2019 |
| Virgin Atlantic | Skyteam | 1:1 | Instant | 30%, April 2026 30%, October 2025 30%, May 2025 30%, November 2024 30%, March 2024 |
| Wyndham | Hotel program | 1:1 | Instant | 25%, June 2026 25%, June 2025 20%, November 2024 20%, August 2024 20%, September 2023 |
Some of my favorite Citi transfer partners include include Turkish, which charges 10K miles in coach or 15K miles in business for a United domestic flight (including Hawaii!), Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Qantas, which has the lowest priced award travel on their partner El Al, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, Flying Blue, which has great rates for travel to Israel (including nonstop flights on partner Delta) as they consider it to be part of Europe, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Wyndham, which can book villas for just 15K points per bedroom per night.
You can now also transfer points to the Leaders Club for a value of 1.6 cents per Citi point at luxury hotels around the world.
If you have the following Citi cards, you can transfer points into miles at the best transfer ratio:
- Citi Strata Premier® Card is offering a 60,000 point bonus for spending $4K in 3 months, 3 points per dollar on airfare, hotels, supermarkets, gas, EV charging, and dining. 10 points per dollar on hotels, car rentals, and attractions booked on CitiTravel.com. $95 annual fee. View Rates & Fees here. Citi is a DansDeals partner. Read more about this offer here.
- Citi Strata Elite℠ Card is offering a 75,000 point bonus for spending $6K in 3 months, 6 points per dollar on restaurants (including gift cards) on Friday and Saturday evenings, and 3 points at other times, and 1.5 points per dollar everywhere. Earn 12 points per dollar on hotels, car rentals, and attractions and 6 points per dollar on airfare booked on CitiTravel.com. Earn a $200 annual splurge bonus ($400 in first cardmember year) at the stores of your choice, $300 annual credit ($600 in first cardmember year) on 2+ night hotel stays, $200 annual ($300 in first cardmember year) Blacklane credit, Global Entry/PreCheck, Priority Pass Lounge membership, and 4 annual (8 in first cardmember year) Admirals Club passes. $595 annual fee. View Rates & Fees here. Citi is a DansDeals partner. Read more about this offer here.
Citi no-annual fee cards that are fantastic for earning points, but require a Citi Strata Premier or Elite Card for points transfers at the best ratio:
- The Citi Double Cash® Card is offering a rare 20K bonus for spending $1,500 in 6 months, and offers 2% cash back or 2 ThankYou points per dollar spent everywhere. If you also have a Citi Strata Premier or Elite Card you can transfer points into miles. No annual fee. View Rates & Fees here. Citi is a DansDeals partner. Read more about this offer here.
- The Citi Strata℠ Card is offering a 20K bonus for spending $1,000 in 3 months, and offers 3 points per dollar on the category of your choice as well as supermarkets, select transit, and gas and EV charging, plus 2 points per dollar on restaurants. If you also have a Citi Strata Premier or Elite Card you can transfer points into miles. No annual fee. View Rates & Fees here. Citi is a DansDeals partner. Read more about this offer here.
Which miles do you find most valuable?
