The post is updated with new information on a regular basis.

The most valuable type of currency in the points and miles world is transferable points. Their flexibility is what makes this possible. You can transfer points to various flight and hotel partners with rewards credit cards.

This can be useful if you want to reduce the number of points or miles you redeem for an award. If you want to book the best option for the lowest price, you can use your rewards to do so.

Learning how to transfer your credit card rewards can be an important step if you want to increase your travel game.

When you should transfer points, and which airlines and hotels partner with each program, here is a guide.

Why are transferable points so valuable?

It's possible to use your points to book travel when you want. You can only redeem your AAdvantage miles on American and its partners if you have a lot of them. If you have a large amount of Chase Ultimate rewards points, you have many more options. There are just a few.

Points can be transferred to the World of Hyatt for luxurious hotel stays or used to cover tours and activities on your trip.

When should you transfer points?

There are so many ways to use your points, it's hard to decide. It can be a lot of work. While you shouldn't consider your loyalty program account balances as long-term investments, you should ensure that you spend your points just like hard- earned money. It's important to know when to transfer points to partners and when to redeem them.

There are a number of ways to redeem your points. They can be purchased through the travel site specific to the bank, or you can transfer your points to a frequent flyer program and book flights based on that program's award rates. Your end goal is the same, but the costs can be vastly different.

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Transferring your points can make for a great redemption if you need to book a last-minute flight or have a family emergency.

You need to travel to Mexico City International Airport if you live in the San Francisco Bay Area. You can only fly on the 31st of December. It's quite expensive to fly nonstop.


You can book the trip through Capital One's travel portal.


If you want to transfer Capital One miles to your Avianca LifeMiles account, you have to do it in 1,000-mile chunks.


Transferring Capital One miles to Avianca gives you a value of 3.3 cents per Capital One mile on this flight, which is nearly twice the value of the company.

If you booked directly using points, you would not earn miles on this flight. If you transferred points from Amex, Bilt, Capital One, Chase or Citi to LifeMiles you could save a lot of money.

What kind of points can you accumulate? Let's take a look at the five most popular credit card rewards currencies.

The Amex Membership rewards are compared to Chase Ultimate rewards.

American Express Membership Rewards


The American Express Membership rewards points have a value of 2 cents per point according to the latest valuations. You can get some amazing awards with these points. You can transfer your points to any of the partners listed here.

Amex has three hotel programs.

  • Choice Privileges.
  • Hilton Honors (1:2).
  • Marriott Bonvoy.

The last year has seen a variety of individual offers from Aeroplan, Avianca and Singapore Airlines, as well as a record 11 simultaneous offers that launched in September 2022.

Keep an eye on your account for these offers because they are often targeted.

If you need help maximizing membership rewards, refer to our guide. You must earn American Express points before you can redeem them. Here are the most popular cards.

You could be targeted for an even higher bonus through the CardMatch tool, which is subject to change at any time. The Amex Trifecta is a way to earn maximum points. If you have at least one of these cards set up for online account management, you can earn thousands of bonus points.

The points guy collected the information for the Amex Green Card. The card issuer did not review or provide the card details on this page.

Bonus points can be earned when you buy online. You can get bonus cash back for your purchases when you shop through this portal. You can choose to earn membership rewards points. If you spend at least $30 at a participating merchant within the first 90 days of joining, you'll get a bonus of $30.

It's related to choosing the best American Express card.

Bilt Rewards


The Bilt rewards program allows card members to earn points for paying rent, which is great news since renting can amount to thousands of dollars per year. American Airlines AAdvantage and World of Hyatt are just two of the transfer partners that the Bilt rewards program offers.

One credit card is offered by Bilt. Cardmembers can get 1 point per dollar on rent, 2 points per dollar on travel, and 3 points per dollar on dining with no transaction fees. You have to make at least five transactions a month. The Bilt Mastercard has no yearly fee.

Transfer bonuses are sometimes offered by Bilt rewards. There was a 100% Ihg One transfer bonus.

Aer Lingus AerClub is one of the new transfer partners. The full list of airline transfer partners is here.

Two hotel transfer partners are also present. The ratio of transfers to the hotel programs is the same as with the airline partners.

  • IHG One Rewards.
  • World of Hyatt.

Is it a good idea to use the Bilt Mastercard. It could be a game-changer for people who rent.

Capital One miles


Capital One was the first to enter the market of points and miles. Capital One cards have always been known for their simple, fixed-value award options, but the issuer added over a dozen transfer partners to some of its most popular cards.

Almost all of Capital One's transfer partners were moved to a1:1 ratio. The Capital One Lounge at Dallas Fort Worth International Airport opened around the same time as the Capital One Venture X rewards credit card.

The airlines that are currently available as transfer partners are listed below.

Capital One has a couple of hotel transfer partners.

  • Accor Live Limitless (2:1).
  • Choice Privileges.

Several transfer bonuses were run by Capital One. One transfer bonus was used to book flights for American Airlines that would have cost over $1,000.

The Capital One miles are earned on these cards.

The points guy collected the information about Capital One. The card issuer did not review or provide the card details on this page.

Transferring Capital One miles to airline partners can get you awards. Check out our guides on how to transfer Capital One miles and when it makes sense to redeem at a fixed value.

There are tips and tricks you can use to maximize your Capital One miles.

Chase Ultimate Rewards


American Express has more cards than Chase, but Ultimate rewards points are still worth a lot. Due to the issuer's 5/24 rule, many travelers can't open new Chase cards, but many argue that Ultimate rewards is the best. The points can be transferred to 11 airline partners.

Three hotel loyalty programs are available.

  • World of Hyatt.
  • IHG One Rewards.
  • Marriott Bonvoy.

Here are the cards that can be used multiple times.

Two small-business cards and two personal cards are included in the Ultimate rewards program. If you want to transfer points from those cards to partners, you have to have one of the three premium cards with an annual fee linked above.

There are the best Chase credit cards.

Citi ThankYou Rewards

The ThankYou rewards program has a currency that can be converted into another currency. You can still get great value from your points by using alliances and partnerships. You can use a Star Alliance program to fly on United, a Oneworld program to fly on American or a Sky Team program to fly Delta. There's a reason why one writer thinks it's the mostunderappreciated flexible currency out there.

The program has airline transfer partners that have a ratio of 1:.

One hotel partner has a better transfer ratio than the other.

  • Choice Privileges (1:2).
  • Wyndham Rewards.

Transfer bonuses have been offered for a number of the programs.

There is only one card that can transfer to all of these programs. You have the full transfer benefits if you are still holding on to the Citi Prestige Card.

You can combine your Citi ThankYouRewards points into a single account for select products to convert your fixed-value earnings from your cards.

The Points Guy did not collect the information for the student card. The card issuer did not review or provide the card details on this page.

For maximum value, you can redeem Citi ThankYou points.

Bottom line

It can be difficult to earn and burn points, and that is one of the reasons why the point currencies from Amex, Bilt, Capital One, Chase and Citi are so popular. One of the most important ways to extend the value of your rewards is to transfer your points to airline or hotel partners. You are not locked into a rewards program when you need to book last minute.

It may take some time to do so, but when you can take trips on Singapore Airlines' A380 suite, ANA's Room business class or British Airways' first class, it makes all of the effort worthwhile.

If you transfer your points to a loyalty program, it won't be back to normal. Your points or miles will be returned to the airline or hotel program, not the credit card currency.

You can check out our top choices of travel credit cards.

You can see the rates and fees here.

Benefits and rewards can be seen here.

The additional reporting was done by the two people.