Credit card transfer partners are a valuable tool for travelers looking to maximize rewards and options for redeeming points. These partners are airlines and hotels that allow you to transfer points from your credit card’s flexible rewards program, allowing you to maximize their value, locate better award availability, and diversify your redemption choices.
Flexible currencies, such as those offered by American Express, Capital One, Chase, and Citi, are at the center of this transfer partner world. The combinations are vast, and transfer partners frequently change. This is why you need to keep your finger on the pulse.
Dive into this article for a comprehensive exploration of the complex, yet rewarding world of credit card transfer partners. We’ll break down the best options for each type of flexible currency and serve up insider tips on strategizing your way to a more lavish and cost-effective travel lifestyle.
Airline Transfer Partners
Here’s a table that shows the airline transfer partners for each credit card issuer, along with their transfer ratios:
|Airline Loyalty Program||American Express Membership Rewards||Bilt Rewards||Capital One Miles||Chase Ultimate Rewards||Citi ThankYou Rewards|
|Aer Lingus AerClub||1:1||1:1||1:1|
|Aeromexico Club Premier||1:1.6||1:1||1:1|
|Air Canada Aeroplan||1:1||1:1||1:1||1:1|
|Air France-KLM Flying Blue||1:1||1:1||1:1||1:1||1:1|
|American Airlines AAdvantage||1:1|
|ANA Mileage Club||1:1|
|British Airways Executive Club||1:1||1:1||1:1||1:1|
|Cathay Pacific Asia Miles||1:1||1:1||1:1||1:1|
|EVA Air Infinity MileageLands||2:1.5||1:1|
|Hawaiian Airlines HawaiianMiles||1:1||1:1|
|Qantas Frequent Flyer||1:1||1:1||1:1|
|Qatar Airways Privilege Club||1:1||1:1|
|Singapore Airlines KrisFlyer||1:1||1:1||1:1||1:1|
|Southwest Airlines Rapid Rewards||1:1|
|Thai Royal Orchid Plus||1:1|
|Turkish Airlines Miles&Smiles||1:1||1:1||1:1|
|United Airlines MileagePlus||1:1||1:1|
|Virgin Atlantic Flying Club||1:1||1:1||1:1||1:1||1:1|
Hotel Transfer Partners
Here’s a table showcasing the hotel transfer partners for each credit card currency, along with their transfer ratios:
|Hotel Loyalty Program||American Express Membership Rewards||Bilt Rewards||Capital One Miles||Chase Ultimate Rewards||Citi ThankYou Rewards|
|ALL Accor Live Limitless||2:1||2:1|
|IHG One Rewards||1:1||1:1|
|World of Hyatt||1:1||1:1|
Keep in mind that transfer times may vary among airline and hotel partners, and it’s always worth double-checking the specific transfer ratio for your credit card before making a transfer.
How to Earn Transferable Credit Card Points
The right credit card can make all the difference in stacking up those transferable points fast. Top picks like the card_name, card_name, and card_name not only give you a hefty sign-up bonus but also let you earn more points on stuff you’re already spending on, like dining out or traveling.
And it’s not just a one-time deal; these cards keep the rewards coming. You can score even more points through special promos or by referring friends. So, choosing a card that’s all about those transferable points isn’t just a smart move; it’s your ticket to scoring big on rewards and getting more out of every dollar you spend.
How to Earn American Express Membership Rewards
One of the best ways to earn these points is by using specific American Express cards, including:
- The Platinum Card® from American Express
- The Business Platinum Card® from American Express
- American Express® Gold Card
- American Express® Business Gold Card
- The Blue Business® Plus Credit Card from American Express
- American Express® Green Card
How to Earn Bilt Rewards
Bilt Rewards is a loyalty program that lets you earn points on rent payments through the Bilt World Elite Mastercard®. You can also earn points on everyday purchases like travel and dining. To get started, download the Bilt app and create an account.
Using the card, you earn 1 point per dollar spent on rent (up to 100,000 points yearly), 2 points per dollar on travel booked via the app, and 3 points per dollar on dining with a minimum of 5 transactions per billing cycle. There are no transaction fees for rent payments.
How to Earn Chase Ultimate Rewards
Earning Chase Ultimate Rewards points is easy when you use the right Chase cards. Some of the top cards for earning Ultimate Rewards points include:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Ink Business Preferred® Credit Card
To maximize your Chase Ultimate Rewards points, consider pairing your card with a cash-back card like the Chase Freedom Flex℠ or Chase Freedom Unlimited®. These cards can help you earn additional cash back rewards in different categories that can then be converted into Ultimate Rewards points when combined with one of the aforementioned cards.
How to Earn Capital One Miles
Some of the most popular credit cards for accumulating Capital One miles include:
- Capital One Venture X Rewards Credit Card
- Capital One Venture Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
- Capital One Spark Miles for Business
How to Earn Citi ThankYou Rewards
The Citi Premier® Card is the only card that currently allows you to transfer ThankYou Rewards to all of Citi’s transfer partners. If you happen to have the discontinued Citi Prestige® Card, you also get full transfer perks.
Similar to Chase Ultimate Rewards, Citi lets you pool ThankYou points from different cards into one account. This means you can convert points from cards like the Citi Rewards+® Card or Citi® Double Cash Card into fully transferable ThankYou points.
Getting the most from your credit card points is all about knowing your transfer partners. Whether it’s American Express, Capital One, Chase, Citi, or Bilt, each loyalty program has its own set of partners and transfer ratios.
Remember, not all partners are a good fit for everyone; your best bet will depend on your own travel needs and goals. So take your time, compare your options, and then make those points work harder for you.