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
Partner
Aer Lingus
1:1
Instant
1:1
48 hours
1:1
1:1
Instant
alliance skyteam Aeromexico
1:1
Instant
1:1.6
1-7 days
1:1
Instant
alliance star alliance Air Canada
1:1
Instant
1:1
Instant
1:1
Instant
1:1
alliance skyteam Air France/KLM
1:1
1 hour
1:1
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
alliance oneworld Alaska Airlines
1:1
24 hours
alliance star alliance All Nippon Airways
1:1
2-3 days
alliance star alliance Avianca
1:1
Instant
1:1
1:1
Instant
1:1
1:1
Instant
alliance oneworld British Airways
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
alliance oneworld Cathay Pacific
1:1
48 hours+
1:1
24-36 hours
1:1
Instant
1:1
Instant
alliance skyteam Delta Air Lines
1:1
Instant
alliance star alliance EVA Air
2:1.5
1-2 days
1:1
Emirates
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
Etihad
1:1
Instant
1:1
Instant-36 hours
1:1
Instant
alliance oneworld Finnair
1:1
Instant
Hawaiian Air
1:1
Instant
alliance oneworld Iberia
1:1
Instant
1:1
1-3 Days
1:1
1:1
Instant
alliance oneworld Japan Airlines
1:1
JetBlue
1:1
Instant
1:0.8
Instant
5:3
1:1
Instant
alliance star alliance LOT Polish Airlines
1:1
Instant
1:1
48 hours
1:1
Instant
alliance oneworld Qantas
1:1
Instant
1:1
Instant
1:1
Instant
alliance oneworld Qatar Airways
1:1
48 hours
1:1
Up to 2 days
1:1
alliance star alliance Shenzhen Airlines
1:1
Instant
1:1
48 hours
1:1
Instant
alliance star alliance Singapore Airlines
1:1
1-2 Days
1:1
1+ day
1:1
Instant-48 hours
1:1
Southwest
1:1
Instant
1:1
1-2 hours
alliance star alliance TAP Air Portugal
1:1
Instant
1:1
alliance star alliance Thai Airways
1:1
alliance star alliance Turkish Airlines
1:1
Instant
1:1
1:1
alliance star alliance United Airlines
1:1
Instant
1:1
alliance skyteam Virgin Atlantic
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
1:1
Instant
Accor
2:1
24-36 hours
3:2
Instant
Choice Hotels
1:1
Instant
1:1
1-2 days
1:2
Instant
1:2
Instant
Hilton
1:2
Instant
1:1
Hyatt
1:1
Instant
1:1
Instant-72 hours
IHG
1:1
Instant
1:1
Instant
Marriott
1:1
Instant
(+50% bonus)
1:1
Instant
1:1
Instant
The Leading Hotels of the World
5:1
(+25% bonus)
Wyndham
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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