Which Bank Points Have the Best Transfer Value?
It depends on the partners you use
Every flexible currency, Chase, American Express, Citi, Capital One, Bilt, and Wells Fargo, is worth roughly a cent as a floor, so the difference is the partners. Chase and Bilt are the only way to reach World of Hyatt, the best hotel value. American Express has the deepest airline list, including ANA and many others. Citi and Capital One cover broad airline networks, and Bilt uniquely combines Hyatt access with the best Accor ratio. See transferable points explained.
Where the ratios matter
Most transfers are 1 to 1, so ratios rarely decide things, but the exceptions are worth knowing: Bilt to Accor at 3 to 2 beats Citi and Capital One at 2 to 1, Amex to Hilton at 1 to 2 reflects a weak hotel currency, and hotel-to-airline conversions are universally poor. Knowing these keeps you from a value-destroying transfer. See best points for Accor.
How to choose
Pick the currency whose best partners fit your actual travel: Chase or Bilt if Hyatt and premium hotels matter, Amex if you chase airline sweet spots like ANA, and so on. Then transfer only for confirmed, high-value awards. The best currency is the one you will actually redeem well, not the one with the biggest balance. See what points are worth.
Frequently asked questions
Related reading
