Credit Card Transfer Partner Chart: US Issuers

• 19

  Transfer partners on the current Amex Membership Rewards page — 16 airlines and 3 hotels

• 1:1

  Ratio at which Chase reaches its listed airline partners, confirmed on Chase’s own pages

• 2:1.5

  Capital One’s published ratio to Emirates, EVA and JAL, versus 1:1 to most airlines

• 19 + 6

  Airline and hotel partners on Bilt’s current support page; Accor is 3:2 and the other listed programs are 1:1

A transferable-points card gives you one currency that can move into a fixed set of airline and hotel programs. Which programs, at what ratio, and whether the math is worth it are the three questions this chart answers — for Amex, Chase, Capital One, Citi and Bilt, the five US currencies most travelers actually hold. Every partner and ratio on the page was checked against the issuer’s own pages and is dated August 9, 2026. Transfers are final, so the chart is a starting map, not a reason to move points: it exists to help you confirm a bookable award before you transfer.

What a credit card transfer partner is

A transfer partner is an airline or hotel loyalty program that an issuer lets you move your points into, without holding that program’s own card. Instead of an Amex, Chase, Capital One, Citi or Bilt currency staying trapped in one ecosystem, you redeem it in the partner’s miles or hotel points. That is what makes a currency “transferable”: the partner list, not the card, decides how widely your points can reach. The list is fixed by each issuer and can change, which is why this page re-checks against primary sources and dates every claim.

US-issued currencies, dated August 9, 2026

This chart covers US-issued transferable-points programs only. Ecosystems do not translate across borders: Amex Membership Rewards in the US, UK and Canada holds different partners and different ratios, and Chase Ultimate Rewards does not exist as a transferable program outside the US. A traveler in the US should not apply a UK or Canadian partner list to their card. Every number here is stated as of August 9, 2026 and traces to the issuer or program page listed at the bottom of this article, which is exactly how these pages are meant to be double-checked before a transfer.

Base ratios are not all 1:1

The most common misunderstanding is that card points always transfer at a straight 1:1. They do not. Chase reaches its listed airline partners at 1:1, and Bilt transfers at 1:1, but the other issuers mix ratios depending on the partner. Capital One, for example, transfers most airlines at 1:1 yet moves points to Emirates, EVA and JAL at 2:1.5, to JetBlue at 5:3, and to Accor at 2:1. Bilt lists most partners at 1:1 but Accor at 3:2. Citi explicitly says its exchange values depend on the card and the program. The only honest rule is to read the ratio in the issuer’s tool for the exact pair you plan to use.

That variation is why a partner name on a list is not enough. Two travelers with the same 10,000 points in two different currencies can receive very different amounts of the same airline’s miles, purely because of the ratio each issuer publishes for that airline. When you compare offers, compare ratio after transfer, not the base ratio alone.

Amex Membership Rewards: 19 partners

American Express Membership Rewards currently transfers to 19 partners: 16 airlines and 3 hotels, per the current Amex transfer page. Verified ratios on that page include Aeromexico at 1,000:1,600 (you receive 1,600 points for every 1,000 you move), Aeroplan at 1,000:1,000, Air France–KLM Flying Blue at 1,000:1,000, ANA at 1,000:1,000, and Avianca LifeMiles at 1,000:1,000. Cathay Pacific transfers at 1,000:800, a 5:4 rate confirmed by Amex’s program-update document effective 1 March 2026. Amex’s own help page states that points transfers to partners are final, so the same confirm-award-first rule applies here.

Chase Ultimate Rewards: airlines at 1:1

Chase Ultimate Rewards transfers at a 1:1 ratio to the airline partners on its list, with Chase’s how-to page confirming that the rate for listed partners is 1:1. Chase’s published roster includes Aer Lingus, British Airways, Air France–KLM Flying Blue, Iberia, JetBlue, Singapore, Southwest, United and Virgin Atlantic, plus Aeroplan, with hotel partners such as IHG, Marriott, Hyatt and Wyndham. Chase describes transfers to partners as final, and states that most arrive the next business day but can take up to 7 business days.

Capital One Miles: mixed ratios

Capital One publishes its complete current roster and exact ratios in an official guide, and they are not uniform. Most airline partners transfer at 1:1, but the notable exceptions are Emirates, EVA and JAL at 2:1.5 and JetBlue at 5:3. On the hotel side, Choice and Wyndham transfer at 1:1, I Prefer at 1:2, and Accor at 2:1. The 2:1.5 and 5:3 rates matter because they materially reduce the value of a transfer, which a headline “partner list” never shows. Confirm the ratio in Capital One’s tool before moving points to any partner.

Citi ThankYou: values depend on your card

Citi publishes a full airline and hotel roster in its ThankYou Rewards FAQ, but it does not claim a flat 1:1. Citi’s own language says exchange values depend on the card and the program, so the ratio should be read inside your ThankYou account for the specific partner and product you hold. That is why this chart does not print a single ratio for Citi: to claim one would overstate a program that the issuer itself describes as dependent on the card. Read your own account’s exchange value before any transfer.

Bilt Points: 19 airlines and 6 hotels

Bilt’s support page lists 19 airline and 6 hotel partners. Its airlines — including Atmos Rewards, LifeMiles, United, Flying Blue, Virgin Red, Virgin Atlantic, Emirates, British Airways, Cathay Pacific, Turkish, Aer Lingus, Iberia, Aeroplan, TAP, Southwest, JAL, Qatar, Etihad and Spirit — transfer at 1:1. Hilton, Marriott, Hyatt, IHG and Wyndham are also 1:1; Accor Live Limitless is the exception at 3:2. Bilt also publishes a 2,000-point minimum for Blue members and 1,000 points for Silver status and above.

Wells Fargo: roster not publicly verified

Wells Fargo’s public pages did not expose a verifiable partner roster with exact ratios as of August 9, 2026, so this chart does not reconstruct one. Where an official, public page cannot confirm the partner list, the honest label is “unverified,” not a list copied from memory or a secondary blog. If you hold a Wells Fargo points-earning card, the current roster is available only inside your signed-in rewards portal. Read it there, and apply the same confirm-award-first rule before you transfer anything.

Indirect paths often beat a direct transfer

A direct transfer is not always the cheapest way to book a seat. A program’s partners can price the same physical flight, and the indirect path is where experienced travelers often find value. For example, a United itinerary is frequently bookable with Aeroplan or LifeMiles, and a Delta itinerary with Air France–KLM Flying Blue or Virgin Atlantic, for fewer points than the operating airline’s own program wants. The same transferable currency can reach those alternatives, which is why the program you transfer into matters as much as the airline you fly.

For a fuller treatment of how these indirect routes change what an award is worth, the points-vs-cash-flights guide sets the comparison to a cash fare, and best award flight search tools shows which engines surface the cheapest program for a route without letting a phantom seat cost you a transfer.

Transfer times and the one-way door

Transfers are final. The cited Amex and Chase pages state that partner transfers cannot be reversed, Capital One describes transfers as irreversible, and Flying Blue gives the same warning for the current Citi offer. Transfer times add a second risk. Chase says partner transfers usually land the next business day but can take up to 7 business days; other issuers state their own ranges in the tool. Between the finality and the delay, the only safe sequence is to confirm a bookable award on the operating program’s own site first, then transfer only what that award needs.

This is precisely where monitoring matters: ratios and rosters move, and a bonus can change an effective ratio for a few weeks before vanishing. Because transfers are irreversible, the cost of acting on stale data is points stranded in a program you did not need. The award-flight-alerts guide walks through verifying that a seat is real before any points move, and current airline transfer bonuses tracks which bonuses are verifiably active.

The comparison matrix and verification

To keep this chart honest, we recorded only what we could confirm on a primary page on August 9, 2026. Amex’s 19-partner count, the Aeromexico, Aeroplan, Flying Blue, ANA, LifeMiles and Cathay ratios, and the 1 March 2026 5:4 change all come from Amex’s own transfer page and program-update document. Chase’s partner list, 1:1 airline ratio and transfer timeline come from Chase’s own how-to pages. Capital One’s ratios come from its official 29 January 2026 guide. Citi’s roster-without-a-flat-ratio comes from its ThankYou FAQ. Bilt’s 19-airline and 6-hotel roster, including its 3:2 Accor exception, comes from its current support page. Where a public page could not confirm the data — Wells Fargo — the entry is labeled unverified rather than reconstructed. We did not invent ratios, partners, or transfer times, and we did not run our own tests. Because these numbers change, re-check the issuer’s page on the day you transfer.