Credit Card Transfer Partners Cheat Sheet 2025

Want to turn your credit card points into luxury travel experiences? Knowing the best credit card transfer partners can make all the difference. Whether you’re eyeing a first-class flight with Chase Ultimate Rewards, a hotel stay using Citi ThankYou points, or exclusive perks with AMEX Membership Rewards, this guide simplifies your journey. We’ve compiled a detailed table of travel rewards programs—including AMEX, Chase, Citi, Capital One, Bilt, and Wells Fargo—showing transfer ratios and times for top airline and hotel partners. Maximize your points with the best airline transfer partners like Star Alliance, SkyTeam, and Oneworld, or explore hotel options for your next getaway. Start planning your dream trip today—check the table below to find the perfect transfer strategy for your credit card points transfer!

Current Bonuses

  • +50% bonus from Chase Ultimate Rewards to Marriott (ends Aug 15)
  • +25% bonus from Citi ThankYou Rewards to The Leading Hotels of the World (ends Aug 23)
Star Alliance SkyTeam Oneworld
bank chase bankbank americanbank capital onebank citibank bilt rewardsbank wellsfargo
PartnerChase Ultimate RewardsAMEX Membership RewardsCapital One MilesCiti ThankYou RewardsBilt RewardsWells Fargo Rewards
Aer Lingus
AerClub (Avios)
1:1
Instant
1:1
48 hours
1:1
1:1
Instant
Aeromexico
Aeromexico Rewards
SkyTeam
1:1
Instant
1:1.6
1-7 days
1:1
Instant
Air Canada
Aeroplan
Star Alliance
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Air France/KLM
Flying Blue
SkyTeam
1:1
1 hour
1:1
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
Alaska Airlines
Alaska Mileage Plan
Oneworld
1:1
24 hours
All Nippon Airways
ANA Mileage Club
Star Alliance
1:1
2-3 days
Avianca
LifeMiles
Star Alliance
1:1
Instant
1:1
1:1
Instant
1:1
1:1
Instant
British Airways
Executive Club (Avios)
Oneworld
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
Cathay Pacific
Cathay
Oneworld
1:1
48 hours+
1:1
24-36 hours
1:1
Instant
1:1
Instant
Delta Air Lines
Delta Air Lines
SkyMiles
SkyTeam
1:1
Instant
EVA Air
Infinity MileageLands
Star Alliance
2:1.5
1-2 days
1:1
Emirates
Skywards
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
Etihad
Guest
1:1
Instant
1:1
Instant-36 hours
1:1
Instant
Finnair
Finnair Plus (Avios)
Oneworld
1:1
Instant
Iberia
Iberia Plus (Avios)
Oneworld
1:1
Instant
1:1
1-3 Days
1:1
1:1
Instant
Japan Airlines
JAL Mileage Bank
Oneworld
1:1
JetBlue
TrueBlue
1:1
Instant
1:0.8
Instant
5:3
1:1
Instant
LOT Polish Airlines
Miles & More
Star Alliance
1:1
Instant
1:1
48 hours
1:1
Instant
Qantas
Qantas Frequent Flyer
Oneworld
1:1
Instant
1:1
Instant
1:1
Instant
Qatar Airways
Privilege Club (Avios)
Oneworld
1:1
48 hours
1:1
Up to 2 days
1:1
Shenzhen Airlines
PhoenixMiles
Star Alliance
1:1
Instant
1:1
48 hours
1:1
Instant
Singapore Airlines
KrisFlyer
Star Alliance
1:1
1-2 Days
1:1
1+ day
1:1
Instant-48 hours
1:1
Southwest
Rapid Rewards
1:1
Instant
1:1
1-2 hours
TAP Air Portugal
Miles&Go
Star Alliance
1:1
Instant
1:1
Thai Airways
Royal Orchid Plus
Star Alliance
1:1
Turkish Airlines
Miles&Smiles
Star Alliance
1:1
Instant
1:1
1:1
United Airlines
MileagePlus
Star Alliance
1:1
Instant
1:1
Virgin Atlantic
Virgin Atlantic Flying Club
SkyTeam
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
Accor
ALL - Accor Live Limitless
2:1
24-36 hours
3:2
Instant
Choice Hotels
Choice Privileges
1:1
Instant
1:1
1-2 days
1:2
Instant
1:2
Instant
Hilton
Hilton Honors
1:2
Instant
1:1
Hyatt
Hyatt
World of Hyatt
1:1
Instant
1:1
Instant-72 hours
IHG
IHG
IHG One Rewards
1:1
Instant
1:1
Instant
Marriott
Marriott
Marriott Bonvoy
1:1
Instant
(+50% bonus)
1:1
Instant
1:1
Instant
The Leading Hotels of the World
Leaders Club
5:1
(+25% bonus)
Wyndham
Wyndham Rewards
1:1
Instant
1:1
Instant

How to Use This Table

  • Filter: Narrow by airline alliance, non-alliance, or hotel using checkboxes above the table.
  • Search: Instantly find any partner or program with the search box.
  • Compare: Check transfer ratios and times. Look for bonuses in both the table and “Current Bonuses” above.
  • Act fast: Transfer bonuses are limited-time—check expiration dates and transfer promptly.

Maximizing Your Credit Card Transfer Partners

Using credit card transfer partners effectively can transform your points into luxury travel experiences. For instance, instant transfers with Wells Fargo Rewards to select airlines can be ideal for last-minute bookings, while Chase Ultimate Rewards offers 1:1 ratios with Star Alliance partners like Aer Lingus. To get the most value, watch for transfer bonuses—programs like AMEX Membership Rewards often provide 30% extra points during promotions.

Top Tips for Success: Always check transfer ratios (1:1 is best) and transfer times (instant vs. 48 hours). Diversify your points across programs like Citi ThankYou or Capital One Miles for more options. Timing is key—transfer during peak travel seasons to secure award seats. Visit our Best Vacation Packages page for curated deals using these programs.

Stay informed with travel rewards trends by exploring The Points Guy for expert advice. Regularly review your travel rewards programs to adapt to changes in airline transfer partners or hotel partnerships. With strategic planning, your credit card points can unlock first-class flights, luxury hotels, and exclusive perks—start exploring the table above and plan your next adventure today!

FAQ: Credit Card Transfer Partners

Current Transfer Bonuses are listed at the top of the page

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