The Go-To Guide for Credit Card Transfer Partners
If you’re new to the world of miles and points, there is one foundational process that you need to know about in order to maximize the value of your travel credit cards. To make the most of these hard-earned miles and points, you’ll want to know how to utilize credit card transfer partners.
This is an essential step in the travel hacking game, and because it’s so important (and necessary!), we’ve put all of this helpful info in one place to serve as your go-to guide.
Pro Tip: Transferring points and miles to an airline or hotel is a one-and-done situation. Once you transfer them, you can’t move them back to where they came from. So, plan wisely.
Our List of Credit Card Transfer Partners
American Express offers point transferability to 17 airlines and three hotel partners. This gives you great flexibility with your travel options! Just note that Amex does charge a small fee of .06 cents per point to transfer to domestic airlines, and not all points will transfer at a 1:1 basis. However, Amex frequently offers transfer bonuses, so you can keep an eye on Daily Drop so you don’t miss out on the best ones 😉
Best Way to Earn Points
You’ll rack up points quickly with the Platinum Card® from American Express (*Rates and Fees) when you book travel through Amex’s portal. We’re talking 5x points per dollar! The Gold Card® from American Express (*Rates and Fees) is also a solid option for stashing some points with its 4x per dollar spent on dining and U.S. supermarkets. We love Amex points in general due to their flexibility with great airlines and hotels.
Pro Tip: Balance earning 5x points per dollar on flights through Amex Travel with redeeming those points through a transfer partner. Your points will typically go much farther (with a higher value) on a partner airline.
Bilt is the new(ish) kid on the block in regard to its rewards transfer program. With 12 airline transfer partners and two hotel chains, it’s not far behind the others. Better yet, Bilt rewards points will transfer on a 1:1 basis to all of its partners. Its standout feature is that it allows U.S. renters to earn rewards just by paying their rent each month through the Bilt Rewards app. You can download the app to get all the specifics on this.
Best Way to Earn Points
The answer is the Bilt Mastercard with its $0 annual fee. In addition to its rent-paying appeal, you can also score 2-3x points per dollar on dining and travel. At this rate, you’ll be doubling and tripling your points with your normal spending.
Pro Tip: You could easily earn an extra 20,000+ points annually just by using Bilt to pay for your rent (it’s fee-free to do this!).
Capital One has continued to grow its transfer family in recent years. They currently have 17 airline partners and three hotel partners, but we anticipate this list will keep expanding. Almost all of their miles will transfer at a 1:1 ratio, so more often than not, you’ll be getting an excellent transfer deal.
Best Way to Earn Miles
The oh-so-popular Capital One Venture X Rewards Credit Card is a truly premium travel card. If you want to earn 10x miles per dollar spent on hotels and rental cars booked through the Capital One travel portal, this is for you. Its younger, less fancy sibling, the Capital One Venture Rewards Credit Card, is also a great option. It’s always been popular with those who are new to travel credit cards, and with its minimum of 2x miles per dollar spent on everything, you’ll be doubling your earnings in no time.
Pro Tip: With Capital One Miles, you’ve got the ability to mix and match your redemption options. Either transfer them to a travel partner or use fixed-value rewards to: redeem for recent travel (within last 90 days), book new travel via Capital One Travel, redeem for gift cards, or redeem for cash.
Chase has been a big-time player in the travel credit card league for a long time. With 11 airlines and three hotel transfer partners, it covers a lot of bases for some of the best in the industry. Plus, Chase Ultimate Rewards points transfer at a 1:1 ratio for all of its travel partners, so you’ll never lose any points that you’ve earned.
Best Way to Earn Points
The preferred method is, well, the Chase Sapphire Preferred® Card. Just by eating out and buying groceries, you’ll earn 3x points per dollar on what you spend. If you decide to book any flights or accommodations through Chase Ultimate Rewards, you’ll even score 5x points per dollar. Chase points are some of the most versatile, so you’re definitely on the right track if you go with Chase.
Pro Tip: Chase is currently only one of two rewards programs whose points can transfer to Hyatt. Considering Hyatt’s current award chart maxes out at 40,000 points per night, you’ll be scoring luxurious, top-tier properties around the world (and at killer deals) all thanks to your Ultimate Rewards Points.
Citi has some desirable transfer partners, but perhaps not as many big names as other cards. In total, it still has 14 airline partners and two hotel partners. One feature we like about Citi is its array of cards and the ability to pool points with other friends or family members. Keep in mind that any points transferred between accounts will expire after 90 days, so have a plan to use them before you share them!
Best Way to Earn Points
We’ve all got regular purchases that we need to make like getting groceries and gas. Most of us usually eat out from time-to-time, too. With the Citi Premier® Card, you’ll earn 3x points per dollar on all those common spends that I just mentioned. You’ll also get triple the points when you book flights and hotels, so Citi offers all-around good opportunities to stash up some points.
Pro Tip: Citi has been a long-time partner of the Colombian Airline, Avianca (long before other credit cards got onboard). Avianca is a great (and greatly undervalued) airline that serves many routes to desirable locations. Citi often offers transfer bonuses to Avianca, so if you’re looking to maximize your Citi ThankYou points, keep an eye out for this.
We should also mention that you can technically transfer points to airlines from different hotel loyalty programs and their credit cards, but the transfer value is honestly terrible. We’re talking, on average, a transfer ratio of 3:1 (but up to 5:1 for Wyndham and a baffling 10:1 for Hilton!). You’re essentially throwing precious points away… We don’t recommend these transfers, but you have the freedom to do so.
Here’s a quick list of some of the most popular programs:
Bottom Line for Credit Card Transfer Partners
Transferring credit card points and miles to airlines and hotels is the bread and butter of travel hacking. This transferability is truly the golden currency for the travel enthusiast!
We hope this guide on credit card transfer partners will help kickstart your journey into the wonderful world of travel credit card perks.
Cheers to transferring miles and points!
Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.