Credit Card Transfer Partners by Bank: The Reference

By Bryce Casson, Founder · Cardocrat · Updated June 2026

The short answer: Each major transferable program, Chase, Amex, Citi, Capital One, Bilt, and Wells Fargo, moves points to its own set of airline and hotel partners, almost always at 1 to 1. This is the reference: the key partners for each bank, the overlaps that let you reach the same airline from different cards, the exclusives only one bank can reach, and the handful of ratios that are not 1 to 1.

How to read this chart

Transferable points are valuable because you can move them to airline and hotel programs, where a good redemption can be worth far more than a cent each. Almost every transfer is 1 to 1, but transfers are one-way and effectively irreversible, so you should only move points once you have a confirmed booking. The strategic value is in two things: the overlaps, where several banks reach the same airline, and the exclusives, where only one program can. See transferable points explained and the non-1-to-1 ratios.

Transfer partners by bank

Here are the key airline and hotel partners for each program. These are the major partners most people use, not every single one, and transfers are 1 to 1 unless noted below. For each program full list, see its ecosystem guide.

Program	Key airline partners	Key hotel partners
Chase Ultimate Rewards	United, Southwest, British Airways, Air France/KLM, Singapore, Air Canada, Virgin Atlantic	World of Hyatt
Amex Membership Rewards	Delta, British Airways, Air France/KLM, Singapore, ANA, Avianca, Emirates	Marriott, Hilton
Citi ThankYou	American AAdvantage, Turkish, JetBlue, Virgin Atlantic, Avianca, Air France/KLM	Wyndham, Choice
Capital One	Air Canada Aeroplan, Turkish, Avianca, Air France/KLM, Singapore, British Airways	Wyndham
Bilt	United, Alaska, American, Air Canada Aeroplan, Emirates, Cathay Pacific	World of Hyatt
Wells Fargo	Air France/KLM, Avianca, British Airways, Iberia, Cathay Pacific, JetBlue	Choice

The overlaps and exclusives that matter

Some airlines you can reach from several banks, which gives you flexibility: Air France KLM Flying Blue takes transfers from almost everyone, Avianca from Amex, Citi, Capital One, and Wells Fargo, and Virgin Atlantic from Chase, Amex, Citi, and Capital One. Others are exclusive, which can dictate which card you carry: World of Hyatt, the most valuable hotel transfer, comes only from Chase and Bilt; Delta only from Amex; Southwest only from Chase; and American AAdvantage only from Citi and Bilt. If a specific program is your goal, hold a card that can reach it. See which bank points transfer best.

Ratios and rules to remember

Three rules keep you out of trouble. First, assume 1 to 1 but verify, since the exceptions are real: Amex to Hilton is 1 to 2, Marriott to airlines is about 3 to 1, Citi to American is 1 to 0.7 on no-annual-fee cards, and a few like Amex to Emirates now run below 1 to 1. Second, mind the increments, because many programs move only in fixed blocks. Third, transfer only for a confirmed award, never speculatively, because you cannot move the points back. See transfer ratios that are not 1 to 1 and how to use a transfer bonus.

Frequently asked questions

Which credit cards transfer to World of Hyatt?

Only Chase Ultimate Rewards and Bilt transfer to World of Hyatt, which is why those programs are prized by Hyatt fans. Hyatt is widely considered the most valuable hotel transfer partner, and no other bank can reach it directly.

Can I reach the same airline from different banks?

Often yes, and that flexibility is valuable. Air France KLM Flying Blue, Avianca, Virgin Atlantic, and British Airways each take transfers from several banks, so you can pool points from different cards toward the same award.

Are all credit card transfers 1 to 1?

Most are, but not all. Amex to Hilton is 1 to 2, Marriott to airlines is roughly 3 to 1, Citi to American is 1 to 0.7 on no-fee cards, and some Amex airline transfers now run below 1 to 1. Always confirm the exact ratio first.

Which bank points transfer to Delta or American?

Delta SkyMiles takes transfers only from American Express. American AAdvantage takes transfers only from Citi ThankYou and Bilt. Both are examples of exclusives where the program you hold determines whether you can reach the airline.

Should I transfer points before I book?

No. Transfer only after you have confirmed the award space and price, because transfers are one-way and cannot be reversed. Moving points speculatively is one of the easiest ways to get stranded in the wrong program.