Credit Card Transfer Partner Master List & Transfer Ratios For The 4 Major Currencies

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Credit Card Transfer Partners List

Credit Card Transfer Partners List

One of the best ways to maximize the value of credit card rewards points is to transfer them to travel partners to book award tickets or free nights.We thought it would be useful to have a complete list for reference to help save you time. There are four flexible credit card point programs which allow travelers to get outsized value from rewards points.

  1. American Express Membership Rewards
  2. Chase Ultimate Rewards
  3. Citi ThankYou Points
  4. Capital One Miles

Below is a list of the different options available to transfer points and their respective transfer rates. I will bold any transfer partners that are unique to the particular transferable currency.

Updated 4/21/21: Added new Capital One transfer partners and the new rates.

Credit Card Transfer Partners List MR

Amex Membership Rewards: Transfer Partners (Transfer Rate)

  • Aer Lingus (1:1)
  • Aero Mexico Club Premier (1:1.6)
  • Aeroplan Air Canada (1:1)
  • Alitalia MilleMiglia (1:1)
  • ANA (1:1)
  • Cathay Pacific Asia Miles (1:1)
  • Avianca Lifemiles (1:1)
  • British Airways Executive Club (1:1)
  • Delta Skymiles (1:1)
  • Etihad Guest (1:1)
  • Flying Blue Air France KLM (1:1)
  • Hawaiian Airlines (1:1)
  • Iberia Plus (1:1)
  • JetBlue (1:.8)
  • Singapore Airlines Krisflyer (1:1)
  • Emirates Skywards (1:1)
  • Virgin Atlantic Flying Club (1:1)
Hotel Transfer Partners
  • Marriott (1:1)
  • Hilton Honors (1:2)
  • Choice Privileges (1:1)

Credit Card Transfer Partners List Ultimate Rewards

Chase Ultimate Rewards: Transfer Partners (Transfer at a 1:1 Ratio)

  • British Airway Executive Club
  • Flying Blue AIR FRANCE KLM
  • Singapore Airlines KrisFlyer
  • United MileagePlus
  • JetBlue
  • Southwest Airlines Rapid Rewards
  • Virgin Atlantic Flying Club
  • Iberia Plus
  • Aer Lingus AerClub
  • Emirates Skywards
Hotel Transfer Partners
  • World of Hyatt
  • IHG Rewards Club
  • Marriott Rewards

Related: Chase Ultimate Rewards Points: Should I Transfer Points to Travel Partners or Book Through Portal

ThankYou Partners

Citi ThankYou Points: Transfer Partners (Points Transfer at a 1:1 Ratio)

  • Avianca Lifemiles
  • Air France / KLM Flying Blue
  • Cathay Pacific Asia Miles
  • Etihad Airways
  • EVA Air
  • Garuda Indonesia
  • Jet Airways 
  • JetBlue Airways (1:1 unless you only hold a ‘no annual fee’ card, then they transfer at 1:0.8)
  • Malaysia Airlines 
  • Qantas Airways
  • Qatar Airways
  • Singapore Airlines
  • Thai Airways 
  • Turkish Airlines
  • Virgin Atlantic

Capital One Transfer Partners: Transfer Partners (Transfer Rate)

  • Aeromexico Airline (1:1)
  • Air Canada Aeroplan Airline (2:1.5)
  • Air France/KLM Airline (2:1.5)
  • Alitalia Airline (2:1.5)
  • Asia Miles (1:1)
  • Avianca Airline (1:1)
  • British Airways (Avios) (2:1.5)
  • Cathay Pacific Airline (2:1.5)
  • Emirates Airline (2:1)
  • Etihad Airline (1:1)
  • EVA Air Airline (2:1.5)
  • Finnair Airline (1:1)
  • Hainan Airline (2:1.5)
  • Qantas Airline (1:1)
  • Qatar Airline (2:1.5)
  • Singapore Airlines (2:1)
  • TAP Air Portugal (Miles&Go) (1:1)
  • Turkish Airlines (Miles&Smiles) (2:1.5)
Hotel Transfer Partners
  • Wyndham Rewards (1:1)
  • Accor Live Limitless (2:1)
  • Choice Hotels (Choice Privileges) – (1:1)

Related: You can Now Transfer Capital One Venture Miles to Partners, Plus Two New Additions

Credit Card Transfer Partners List – Final Thoughts

As you can see there’s a lot of overlap between transfer partners. Finnair and Hainan are exclusive to Capital One. While Thai and Turkish are exclusive to the Citi ThankYou program. Many people transfer Ultimate Rewards to Hyatt points since they tend to be more valuable than other hotel program points.

Citi and Amex regularly offer bonuses on transfers, (like this one to Jetblue). Transferring during bonus periods is the best way to get maximum value. For this reason, you shouldn’t speculatively transfer your points until you either have a specific redemption in mind or there is a bonus.

Bethany Walsh
Founder of, Bethany is a points, miles and loyalty program strategist who enjoys luxury travel and lives for a deal. When Bethany is not following her Miles to Memories family around the world to various meet-ups you can find her on a beach, in a casino or on a mileage run.

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  1. Now if only one of them could snag American Airlines, Alaska, Amtrak, Accor, Japan Airlines or Wyndham things would be great.


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