Credit card transfer partners cheat sheet
The short answer: Find your airline or hotel down the left, then read across to see which of the six transferable currencies reach it, at what ratio, and how long the transfer takes. Green beats 1:1, amber is worse than 1:1, and a dot means it is not a partner. These are standing base ratios, so watch for the frequent transfer bonuses that beat them.
Better than 1:1
1:1
Worse than 1:1
Star Oneworld SkyTeam
No partner matches that search.
Airlines
| Transfer partner |  1k min |  1k min |  1k min |  1k min |  1-2k min |  No min |
|---|---|---|---|---|---|---|
| Oneworld Aer Lingus (Avios) | 1:1Instant | 1:1~2 days | 1:1Instant | 1:1~1-2 days | ||
| SkyTeam Aeromexico | 1:1.6~2 days | 1:1Instant | 1:1Instant | |||
| Star Air Canada Aeroplan | 1:1Instant | 1:1~2 days | 1:1Instant | 1:1Instant | ||
| SkyTeam Air France-KLM Flying Blue | 1:1~1 hr | 1:1~2 days | 1:1Instant | 1:1Instant | 1:1Instant | 1:1~1-2 days |
| Oneworld Alaska / Atmos Rewards | 1:1Instant | |||||
| Oneworld American Airlines AAdvantage | 1:1Instant | |||||
| Star ANA Mileage Club | 1:1~4 days | |||||
| Star Avianca LifeMiles | 1:1~3 days | 1:1Instant | 1:1Instant | 1:1Instant | 1:1~1-2 days | |
| Oneworld British Airways (Avios) | 1:1Instant | 1:1~2 days | 1:1Instant | 1:1Instant | 1:1~1-2 days | |
| Oneworld Cathay Pacific Asia Miles | 5:4~2 days | 1:1Instant | 1:1Instant | 1:1~1 day | 1:1~1-2 days | |
| SkyTeam Delta SkyMiles | 1:1~2 days | |||||
| Emirates Skywards | 5:4~2 days | 2:1.5Instant | 1:0.8Instant | 1:1Instant | ||
| Etihad Guest | 1:1Instant | 1:1Instant | 1:1Instant | |||
| Star EVA Air | 2:1.5~36 hrs | 1:1~2 days | ||||
| Oneworld Finnair Plus | 1:1Instant | |||||
| Oneworld Iberia Plus (Avios) | 1:1Instant | 1:1~2 days | 1:1Instant | 1:1~1-2 days | ||
| Oneworld Japan Airlines | 2:1.5~2 days | 1:1~1 day | ||||
| JetBlue TrueBlue | 1:1Instant | 1:0.8~2 days | 5:32-5 days | 1:1Instant | 1:1~1-2 days | |
| Oneworld Qantas Frequent Flyer | 1:1~2 days | 1:1Instant | 1:1Instant | |||
| Oneworld Qatar Privilege Club (Avios) | 1:1~2 days | 1:1Instant | 1:1~2 days | 1:1Instant | ||
| Star Singapore KrisFlyer | 1:11-2 days | 1:1~2 days | 1:1Instant | 1:1~2 days | ||
| Southwest Rapid Rewards | 1:1Instant | 1:1<=72 hrs | ||||
| Star TAP Air Portugal | 1:1Instant | 1:1Instant | ||||
| Star Thai Royal Orchid Plus | 1:1~4 days | |||||
| Star Turkish Miles&Smiles | 1:1Instant | 1:1Instant | 1:1Instant | |||
| Star United MileagePlus | 1:1Instant | 1:1Instant | ||||
| SkyTeam Virgin Atlantic / Virgin Red | 1:1Instant | 1:1~2 days | 1:1Instant | 1:1Instant | 1:1Instant | 1:1~1-2 days |
Hotels
| Transfer partner | 1k min | 1k min | 1k min | 1k min | 1-2k min | No min |
|---|---|---|---|---|---|---|
| World of Hyatt | 1:1*Instant | 1:1Instant | ||||
| Hilton Honors | 1:2~24 hrs | 1:1Instant | ||||
| Marriott Bonvoy | 1:1~2 days | 1:1~2 days | 1:1Instant | |||
| IHG One Rewards | 1:1~1 day | 1:1Instant | ||||
| Wyndham Rewards | 1:11-7 days | 1:1Instant | 1:1Instant | 1:1Instant | 1:2~1-2 days | |
| Choice Privileges | 1:1~2 days | 1:1Instant | 1:1.5Instant | 1:2~1-2 days | ||
| Accor Live Limitless | 2:1~36 hrs | 2:1Instant | 3:2Instant | |||
| Preferred Hotels I Prefer | 1:2Instant | 1:2Instant | 1:2Instant | |||
| Leading Hotels of the World | 5:1Instant |
* World of Hyatt is 1:1 on the Sapphire Reserve and Ink Reserve, but 4:3 on the Sapphire Preferred and Ink Preferred. Citi ratios shown are for its premium cards (Strata Premier and Strata Elite); no-annual-fee cards transfer at lower ratios. Transfer times are typical, not guaranteed.
Notable exclusives
Some programs are the only door to a partner, which is what makes them worth holding.
United MileagePlus: Chase and Bilt only
American Airlines AAdvantage: Citi only
Delta SkyMiles: Amex only
Alaska / Atmos Rewards: Bilt only
ANA Mileage Club: Amex only
World of Hyatt: Chase and Bilt only
Hilton Honors: Amex and Bilt only
What changed in 2026
- Chase moved World of Hyatt to 4:3 on the Sapphire Preferred and Ink Business Preferred. The Sapphire Reserve and Ink Reserve keep 1:1.
- Amex ended Etihad Guest transfers on June 30, 2026.
- Capital One devalued Emirates Skywards to 2:1.5 in January 2026.
- Citi cut its hotel ratios on April 19, 2026: Choice fell from 1:2 to 1:1.5 and I Prefer from 1:4 to 1:2.
- New partners were added: Chase and Bilt both added Wyndham, Bilt added I Prefer, and Wells Fargo added JetBlue, Cathay, and Wyndham.
- Amex to Aeromexico at 1:1.6 is the single most favorable standing airline ratio across all six programs.
Ratios are standing base values verified July 2026 and do not include time-limited transfer bonuses, which come and go weekly. Once you move points to an airline or hotel they cannot come back, so confirm award space before you transfer.
