Transfer Tool
Determine what miles transfer between loyalty programs. Estimate how many miles you will receive upon transfer and how long the transfer will take to process. You can search both ways.
Choose the flexible points you want to transfer
Choose the partner to which you want to transfer your points to
The Ultimate Transfer Partner Guide
When planning award travel, flexibility is your greatest asset. Transferable points currencies—like Chase Ultimate Rewards, American Express Membership Rewards, and Capital One Miles—allow you to move your points to dozens of different airline and hotel loyalty programs. This flexibility shields you from devaluations in any single program and opens up a world of redemption possibilities.
How Points Transfer
Most transfers happen at a 1:1 ratio, meaning 1,000 credit card points become 1,000 airline miles. However, this isn't always the case. Some transfers, like from hotel programs to airlines, often have much lower ratios (e.g., 3:1). Additionally, banks frequently offer limited-time transfer bonuses that can increase the value of your points by 15% to 30% or more.
Below is a comprehensive list of how points and miles transfer between major programs, including the transfer ratio and average processing time.
Comprehensive Transfer Table
| Flexible Points (From) | Transfer Partner (To) | Transfer Ratio | Average Time |
|---|---|---|---|
 Bilt Rewards |  Accor Live Limitless | 3:2 | Almost Instant |
 Capital One Miles | Accor Live Limitless | 2:1 | Up to 48 hours |
 Citi ThankYou Rewards | Accor Live Limitless | 2:1 | Up to 48 hours |
 Rove Miles | Accor Live Limitless | 1:1 | Almost Instant |
 Marriott Bonvoy |  Aegean Airlines | 3:1 | 10 days |
 Amex Membership Rewards |  Aer Lingus | 1:1 | Almost Instant |
| Bilt Rewards | Aer Lingus | 1:1 | Almost Instant |
 Chase Ultimate Rewards | Aer Lingus | 1:1 | Almost Instant |
| Marriott Bonvoy | Aer Lingus | 3:1 | 5 days |
 Wells Fargo Rewards | Aer Lingus | 1:1 | Almost Instant |
| Wells Fargo Rewards |  Wyndham Rewards | 1:2 | Almost Instant |
| Amex Membership Rewards |  AeroMexico | 1:1.6 | 2-12 days |
 Brex Rewards | AeroMexico | 3:2 | Up to 1 business day |
| Capital One Miles | AeroMexico | 1:1 | Almost Instant |
| Citi ThankYou Rewards | AeroMexico | 1:1 | Almost Instantly |
| Marriott Bonvoy | AeroMexico | 3:1 | 2 days |
| Rove Miles | AeroMexico | 1:1 | Almost Instant |
| Amex Membership Rewards |  Air Canada Aeroplan | 1:1 | Almost Instant |
| Bilt Rewards | Air Canada Aeroplan | 1:1 | Almost Instant |
| Capital One Miles | Air Canada Aeroplan | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Air Canada Aeroplan | 1:1 | Almost Instant |
| Marriott Bonvoy | Air Canada Aeroplan | 3:1 | 5 days |
| Rove Miles | Air Canada Aeroplan | 1:1 | Almost Instant |
| Rove Miles |  Air India | 1:1 | Almost Instant |
| Marriott Bonvoy |  Air New Zealand | 200:1 | 2 days |
| Bilt Rewards |  Alaska Airlines | 1:1 | Almost Instant |
| Marriott Bonvoy | Alaska Airlines | 3:1 | 2 days |
| Amex Membership Rewards |  ANA | 1:1 | 2-3 days |
| Marriott Bonvoy | ANA | 3:1 | 7 days |
| Citi ThankYou Rewards |  American Airlines | 1:1 | Almost Instant |
| Marriott Bonvoy | American Airlines | 3:1 | 2 days |
| Marriott Bonvoy |  Asiana | 3:1 | 10 days |
| Amex Membership Rewards |  Avianca Airlines | 1:1 | Almost Instant |
| Brex Rewards | Avianca Airlines | 3:2 | Up to 1 business day |
| Bilt Rewards | Avianca Airlines | 1:1 | Almost Instant |
| Capital One Miles | Avianca Airlines | 1:1 | Almost Instant |
| Citi ThankYou Rewards | Avianca Airlines | 1:1 | Almost Instantly |
| Marriott Bonvoy | Avianca Airlines | 3:1 | Unknown |
| Wells Fargo Rewards | Avianca Airlines | 1:1 | Almost Instant |
| Amex Membership Rewards |  British Airways | 1:1 | Almost Instant |
| Bilt Rewards | British Airways | 1:1 | Almost Instant |
| Capital One Miles | British Airways | 1:1 | Almost Instant |
| Chase Ultimate Rewards | British Airways | 1:1 | Almost Instant |
| Marriott Bonvoy | British Airways | 3:1 | 5 days |
| Wells Fargo Rewards | British Airways | 1:1 | Almost Instant |
| Amex Membership Rewards |  Cathay Pacific | 1:1 | 1-7 days |
| Brex Rewards | Cathay Pacific | 3:2 | Up to 1 business day |
| Bilt Rewards | Cathay Pacific | 1:1 | Almost Instant |
| Capital One Miles | Cathay Pacific | 1:1 | Up to 5 days |
| Citi ThankYou Rewards | Cathay Pacific | 1:1 | Almost Instantly |
| Marriott Bonvoy | Cathay Pacific | 3:1 | 2 days |
| Rove Miles | Cathay Pacific | 1:1 | Almost Instant |
| Amex Membership Rewards |  Choice | 1:1 | Almost Instant |
| Capital One Miles | Choice | 1:1 | Up to 24 hours |
| Citi ThankYou Rewards | Choice | 1:1.5 | Almost Instantly |
| Wells Fargo Rewards | Choice | 1:2 | Almost Instant |
| Marriott Bonvoy |  Copa Airlines | 3:1 | Unknown |
| Amex Membership Rewards |  Delta | 1:1 | Almost Instant |
| Marriott Bonvoy | Delta | 3:1 | 2 days |
| Capital One Miles |  EVA Air | 2:1.5 | Up to 36 hours |
| Citi ThankYou Rewards | EVA Air | 1:1 | 2 days |
| Amex Membership Rewards |  Emirates | 5:4 | Almost Instant |
| Brex Rewards | Emirates | 3:2 | Up to 1 business day |
| Bilt Rewards | Emirates | 1:1 | Almost Instant |
| Capital One Miles | Emirates | 1:1 | Almost Instant |
| Citi ThankYou Rewards | Emirates | 1:0.8 | Almost Instantly |
| Marriott Bonvoy | Emirates | 3:1 | 4 days |
| Amex Membership Rewards |  Etihad | 1:1 | Almost Instant |
| Capital One Miles | Etihad | 1:1 | Up to 36 hours |
| Citi ThankYou Rewards | Etihad | 1:1 | Almost Instantly |
| Marriott Bonvoy | Etihad | 3:1 | 3 days |
| Rove Miles | Etihad | 1:1 | Almost Instant |
| Capital One Miles |  Finnair | 1:1 | Almost Instant |
| Rove Miles | Finnair | 1:1 | Almost Instant |
| Amex Membership Rewards |  Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Brex Rewards | Flying Blue AIR FRANCE KLM | 3:2 | Up to 1 business day |
| Bilt Rewards | Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Capital One Miles | Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Flying Blue AIR FRANCE KLM | 1:1 | 1 hour |
| Citi ThankYou Rewards | Flying Blue AIR FRANCE KLM | 1:1 | Almost Instantly |
| Marriott Bonvoy | Flying Blue AIR FRANCE KLM | 3:1 | 1 day |
| Wells Fargo Rewards | Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Rove Miles | Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Marriott Bonvoy |  Frontier Airlines | 3:1 | Unknown |
| Marriott Bonvoy |  Hainan Airlines | 3:1 | 7 days |
| Rove Miles | Hainan Airlines | 1:1 | Almost Instant |
| Marriott Bonvoy |  Hawaiian Airlines | 3:1 | 2 days |
| Amex Membership Rewards |  Hilton Honors | 1:2 | Up to 24 hours |
| Bilt Rewards | Hilton Honors | 1:1 | Almost Instant |
| Bilt Rewards |  Hyatt | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Hyatt | 1:1 | Almost Instant |
| Bilt Rewards |  IHG | 1:1 | Almost Instant |
| Chase Ultimate Rewards | IHG | 1:1 | 1 day |
| Amex Membership Rewards |  Iberia | 1:1 | 1-3 days |
| Bilt Rewards | Iberia | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Iberia | 1:1 | Almost Instant |
| Marriott Bonvoy | Iberia | 3:1 | 6 days |
| Wells Fargo Rewards | Iberia | 1:1 | Almost Instant |
| Marriott Bonvoy |  InterMiles | 3:1 | Unknown |
| Bilt Rewards |  Japan Airlines | 1:1 | Almost Instant |
| Capital One Miles | Japan Airlines | 2:1.5 | Almost Instant |
| Marriott Bonvoy | Japan Airlines | 3:1 | 7 days |
| Amex Membership Rewards |  JetBlue | 1:0.8 | Almost Instant |
| Capital One Miles | JetBlue | 5:3 | Almost Instant |
| Chase Ultimate Rewards | JetBlue | 1:1 | Almost Instant |
| Citi ThankYou Rewards | JetBlue | 1:1 | Almost Instantly |
| Wells Fargo Rewards | JetBlue | 1:1 | Almost Instant |
| Marriott Bonvoy |  LATAM | 3:1 | 2 days |
| Citi ThankYou Rewards |  Leaders Club | 5:1 | Almost Instantly |
| Rove Miles |  Lufthansa Miles & More | 1:1 | Almost Instant |
| Amex Membership Rewards | Marriott Bonvoy | 1:1 | Almost instant |
| Bilt Rewards | Marriott Bonvoy | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Marriott Bonvoy | 1:1 | 2 days |
| Capital One Miles |  Preferred Hotels and Resorts | 1:2 | Almost Instant |
| Citi ThankYou Rewards | Preferred Hotels and Resorts | 1:2 | Almost Instantly |
| Amex Membership Rewards |  Qantas Airways | 1:1 | Almost instant |
| Brex Rewards | Qantas Airways | 3:2 | Up to 1 business day |
| Capital One Miles | Qantas Airways | 1:1 | Up to 36 hours |
| Citi ThankYou Rewards | Qantas Airways | 1:1 | Almost Instantly |
| Marriott Bonvoy | Qantas Airways | 3:1 | 2 days |
| Amex Membership Rewards |  Qatar Airways | 1:1 | Almost instant |
| Bilt Rewards | Qatar Airways | 1:1 | Almost Instant |
| Capital One Miles | Qatar Airways | 1:1 | Almost Instant |
| Citi ThankYou Rewards | Qatar Airways | 1:1 | 2 days |
| Marriott Bonvoy | Qatar Airways | 3:1 | 3 weeks |
| Rove Miles | Qatar Airways | 1:1 | Almost Instant |
| Marriott Bonvoy |  Saudia Alfursan | 3:1 | Unknown |
| Amex Membership Rewards |  Singapore Airlines | 1:1 | 1-2 days |
| Brex Rewards | Singapore Airlines | 3:2 | Up to 1 business day |
| Capital One Miles | Singapore Airlines | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Singapore Airlines | 1:1 | 1-2 Days |
| Citi ThankYou Rewards | Singapore Airlines | 1:1 | 2 days |
| Marriott Bonvoy | Singapore Airlines | 3:1 | 7 days |
| Bilt Rewards |  Southwest Airlines | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Southwest Airlines | 1:1 | Almost Instant |
| Marriott Bonvoy | Southwest Airlines | 3:1 | 2 days |
| Bilt Rewards |  TAP Air Portugal | 1:1 | Almost Instant |
| Capital One Miles | TAP Air Portugal | 1:1 | Almost Instant |
| Marriott Bonvoy | TAP Air Portugal | 3:1 | Unknown |
| Citi ThankYou Rewards |  Thai Airways | 1:2 | 4 days |
| Marriott Bonvoy | Thai Airways | 3:1 | 10 days |
| Rove Miles | Thai Airways | 1:1 | Almost Instant |
| Bilt Rewards |  Turkish Airlines | 1:1 | Almost Instant |
| Capital One Miles | Turkish Airlines | 1:1 | Up to 24 hours |
| Citi ThankYou Rewards | Turkish Airlines | 1:1 | 1-2 Days |
| Marriott Bonvoy | Turkish Airlines | 3:1 | 1 day |
| Rove Miles | Turkish Airlines | 1:1 | Almost Instant |
| Bilt Rewards |  United Airlines | 1:1 | Almost Instant |
| Chase Ultimate Rewards | United Airlines | 1:1 | Almost Instant |
| Marriott Bonvoy | United Airlines | 3:1 | 2 days |
| Rove Miles |  Vietnam Airlines | 1:1 | Almost Instant |
| Amex Membership Rewards |  Virgin Atlantic | 1:1 | 1-2 days |
| Bilt Rewards | Virgin Atlantic | 1:1 | Almost Instant |
| Capital One Miles | Virgin Atlantic | 1:1 | Almost Instant |
| Chase Ultimate Rewards | Virgin Atlantic | 1:1 | Almost Instant |
| Citi ThankYou Rewards | Virgin Atlantic | 1:1 | 2 days |
| Marriott Bonvoy | Virgin Atlantic | 3:1 | 1 day |
| Wells Fargo Rewards | Virgin Atlantic | 1:1 | Almost Instant |
| Marriott Bonvoy |  Virgin Australia | 3:1 | 2 days |
| Bilt Rewards |  Virgin Red | 1:1 | Almost Instant |
| Capital One Miles | Virgin Red | 1:1 | Almost Instant |
| Citi ThankYou Rewards | Virgin Red | 1:1 | 2 days |
| Wells Fargo Rewards | Virgin Red | 1:1 | Almost Instant |
| Marriott Bonvoy |  Vueling | 3:1 | Unknown |
| Capital One Miles | Wyndham Rewards | 1:1 | Almost Instant |
| Citi ThankYou Rewards | Wyndham Rewards | 1:1 | Within 24 Hours |