Transfer Partners Finder

To transfer credit card points to airline miles, log in to your credit card rewards portal (e.g., Chase Ultimate Rewards, Amex Membership Rewards), navigate to the 'Transfer Points' section, select an airline or hotel partner, enter the number of points to transfer, and confirm. Most transfers are instant, though some partners take 1-3 business days. Points transfer in fixed ratios — typically 1:1 for most airline partners.

The best Chase transfer partners by value are World of Hyatt (1.7 cpp), Singapore KrisFlyer (1.5 cpp for premium cabin awards), Southwest Rapid Rewards (1.4 cpp), and Virgin Atlantic Flying Club (1.4 cpp). Hyatt consistently delivers the highest value per point for hotel stays, while Singapore KrisFlyer excels for international business and first class flights.

The best Amex transfer partners are ANA Mileage Club (1.5 cpp, excellent for Star Alliance business class), Singapore KrisFlyer (1.5 cpp), Virgin Atlantic (1.4 cpp for Delta redemptions), and British Airways Avios (1.3 cpp for short-haul flights). Delta SkyMiles is convenient at 1:1 but offers lower per-mile value at 1.1 cpp.

Amex Membership Rewards has the most transfer partners with 20+ airline and hotel options. Chase Ultimate Rewards offers 12 partners but with consistently high-value options like Hyatt and United. Capital One and Citi ThankYou each have 10-15 partners. Bilt Rewards, while newer, offers a strong lineup including American Airlines and Hyatt.

Most credit card point transfers are instant, especially to domestic airline programs like United, Delta, Southwest, and JetBlue. However, transfers to some international programs like Singapore KrisFlyer, ANA, Cathay Pacific, and Marriott Bonvoy can take 1-3 business days. Always transfer before booking award flights to avoid availability changes during the wait.

A transfer ratio describes how many loyalty points you receive per credit card point transferred. A 1:1 ratio means 1,000 credit card points becomes 1,000 airline miles. Some partners have different ratios — for example, Amex to Hilton transfers at 1:2 (1,000 MR = 2,000 Hilton points), and Amex to JetBlue at 1:0.8 (250 MR = 200 JetBlue points). The effective value depends on both the ratio and the per-point value of the receiving program.

No, you cannot transfer points directly between credit card programs (e.g., Chase to Amex). However, some airline and hotel programs are shared across multiple card issuers. For example, both Chase and Amex transfer to British Airways, Air France/KLM, and Singapore Airlines, allowing you to consolidate miles in those programs from different credit card currencies.

Cents per point (cpp) measures the value you get per loyalty point when redeeming for travel. It's calculated by dividing the cash price of a redemption by the points required, then multiplying by 100. For example, if a hotel night costs $340 cash or 20,000 Hyatt points, each point is worth 1.7 cents ($340 / 20,000 = $0.017 = 1.7 cpp). Higher cpp means more value per point.