If you’ve been collecting credit card points, you might be sitting on a goldmine—but only if you know how to use them. One of the best ways to get maximum value from your points is by transferring them to airline and hotel partners. Today, I’m breaking down the transfer partners of the four major credit card issuers: American Express, Chase, Capital One, and Citi.

Whether you’re eyeing a first-class flight or a family hotel stay, understanding these transfer relationships is key to turning everyday spending into extraordinary travel.

 Chase Ultimate Rewards

Why It’s Great: Chase has some of the most valuable travel partners and a strong hotel program, especially with World of Hyatt.

Airline Transfer Partners (1:1):

• United MileagePlus
• Southwest Rapid Rewards
• Air Canada Aeroplan
• British Airways Executive Club
• Virgin Atlantic Flying Club
• Singapore Airlines KrisFlyer
• JetBlue TrueBlue
• Emirates Skywards
• Iberia Plus
• Aer Lingus AerClub
• Air France/KLM Flying Blue

Hotel Transfer Partners (1:1):

• World of Hyatt (great value)
• Marriott Bonvoy
• IHG One Rewards

Best Use: Book luxury stays with Hyatt or international business class flights via Air Canada Aeroplan or Virgin Atlantic.

 American Express Membership Rewards

Why It’s Great: Offers the widest variety of airline partners, including several premium international carriers.

Airline Transfer Partners (mostly 1:1):

• Delta SkyMiles
• Air France/KLM Flying Blue
• ANA Mileage Club
• British Airways Executive Club
• Singapore Airlines KrisFlyer
• Avianca LifeMiles
• Emirates Skywards
• Etihad Guest
• Cathay Pacific Asia Miles
• Qantas Frequent Flyer
• Iberia Plus
• Virgin Atlantic Flying Club
• Aeromexico (1:1.6)
• Hawaiian Airlines
• JetBlue (1.25:1)
• Qatar

Hotel Transfer Partners:

• Hilton Honors (1:2)
• Marriott Bonvoy (1:1)
• Choice Privileges (1:1)

Best Use: International premium cabin redemptions, especially with ANA and Singapore Airlines.

 Capital One Miles

Why It’s Great: Transfer to both airlines and hotels, and increasingly offers strong 1:1 transfer ratios.

Airline Transfer Partners (mostly 1:1):

• Air Canada Aeroplan
• Turkish Airlines Miles&Smiles
• Avianca LifeMiles
• British Airways Executive Club
• Emirates Skywards
• Singapore Airlines KrisFlyer
• Virgin Atlantic Flying Club
• Cathay Pacific Asia Miles
• Qantas Frequent Flyer
• TAP Air Portugal
• Etihad Guest
• Aeromexico
• EVA Air (2:1.5)
• Finnair
• Air France/KLM Flying Blue
• JetBlue (5:3)

Hotel Transfer Partners:

• Choice Privileges (1:1)
• Wyndham Rewards (1:1)
• Accor Live Limitless (2:1)

Best Use: Turkish Airlines to book United flights, and Wyndham for unique stays like Vacasa vacation rentals.

Citi ThankYou Points

Why It’s Great: Strong list of international airline partners, and often underrated for premium flight redemptions.

Airline Transfer Partners (mostly 1:1):

• Qatar Airways Privilege Club
• Turkish Airlines Miles&Smiles
• Singapore Airlines KrisFlyer
• Emirates Skywards
• Thai Royal Orchid Plus
• Avianca LifeMiles
• Air France/KLM Flying Blue
• Cathay Pacific Asia Miles
• Qantas Frequent Flyer
• Etihad Guest
• EVA Air
• Virgin Atlantic Flying Club
• Aeromexico
• JetBlue

Hotel Transfer Partners:

• Choice Privileges (1:2)
• Wyndham Rewards
• Accor Live Limitless (2:1)

Best Use: Turkish Airlines for Star Alliance redemptions, or Qatar Airways for luxury Qsuite bookings.

Final Thoughts

Transferable points are the most flexible and valuable currency in the travel world—but only if you know where to send them. Each issuer has its own strengths:

• Chase for Hyatt and domestic flights
• Amex for international first-class redemptions
• Capital One for a growing list of 1:1 partners
• Citi for great global airline options and unique transfer bonuses

Before transferring, always compare the cash price of your travel with the value you’d get from using points. And remember: once you transfer points, it’s final, so plan carefully!

The world is waiting-go explore it  

-Lauren