Credit Card Transfer Partner Matrix & Bonus Tracker
Maximize your points by transferring flexible credit card currencies directly to airline frequent flyer programs. Compare transfer ratios, transfer speeds, and active transfer bonus opportunities across Chase, Amex, Capital One, Citi, Bilt, and Wells Fargo.
🔥 Active & Recurring Transfer Bonuses
Limited-time promotional point multipliers that give you 15% to 30% more miles on each transfer.
Transfer Rate: 1,000 pts = 1,200 Aeroplan miles
Transfer Rate: 1,000 pts = 1,200 Flying Blue miles
Transfer Rate: 1,000 pts = 1,300 Avios
Transfer Rate: 1,000 pts = 1,300 Virgin points
Transfer Rate: 1,000 pts = 1,250 LifeMiles
🧮 Interactive Transfer Points Calculator
Calculate exactly how many airline miles you will receive with conversion ratios and active bonuses factored in.
Transfer Partner Grid
Search airline programs or filter by alliance to view all compatible bank credit cards.
| Airline Partner | Chase | Amex | Capital One | Citi | Bilt | Wells Fargo |
|---|---|---|---|---|---|---|
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Partner awards with no fuel surcharges; 55k miles US to Europe in business; 75k miles US to Asia; stopovers for 5,000 miles.
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
+20%
|
— |
1:1
Instant
|
— |
|
Monthly Promo Rewards offering 25% off awards; 50k miles US to Europe in business; free stopovers on award tickets.
|
1:1
Instant
+20%
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
|
|
Distance-based short-haul awards on American & Alaska from 8,250 Avios; moves 1:1 freely into Iberia, Qatar, & Finnair Avios.
|
1:1
Instant
|
1:1
Instant
+30%
|
1:1
Instant
|
— |
1:1
Instant
|
1:1
Instant
|
|
10,000 points US to London off-peak economy; 47,500 points US to Tokyo in ANA Business; 45,000 points Delta One to Europe.
|
1:1
Instant
|
1:1
Instant
+30%
|
1:1 (via Virgin Red)
Instant
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
|
|
75,000-85,000 miles roundtrip business class to Japan; 88,000 miles roundtrip business class to Europe on Star Alliance partners.
|
— |
1:1
24-48 Hours
|
— | — | — | — |
|
No fuel surcharges on Lufthansa or SWISS business/first; 25,000 miles transcontinental US business class on United.
|
— |
1:1
Instant
|
1:1
Instant
|
1:1
Instant
+25%
|
— |
1:1
Instant
|
|
10,000 miles one-way anywhere in the US (including Hawaii and Alaska) on United Airlines; 45,000 miles business class to Europe.
|
— | — |
1:1
1-24 Hours
|
1:1
1-24 Hours
|
1:1
1-24 Hours
|
— |
|
No change or cancellation fees on award tickets; Excursionist Perk provides a free one-way segment within multi-city itineraries.
|
1:1
Instant
|
— | — | — |
1:1
Instant
|
— |
|
Domestic flash sales (from 5,000 miles one-way); 15% award discount with eligible Delta Amex co-branded credit cards.
|
— |
1:1
Instant
|
— | — | — | — |
|
Access to Singapore Suites & A380 business class saver awards (rarely released to Star Alliance partners); Spontaneous Escapes 30% discount monthly.
|
1:1
12-24 Hours
|
1:1
12-24 Hours
|
1:1
12-24 Hours
|
1:1
12-24 Hours
|
— | — |
|
US to Europe fifth-freedom routes (JFK-MXP and EWR-ATH) in Emirates Business and First Class from 87,000 miles.
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
|
1:1
Instant
|
— |
|
Superior award availability on Cathay Pacific flights to Hong Kong compared to oneworld partner programs; multi-carrier oneworld award chart.
|
— |
1:1
Instant - 24 Hours
|
1:1
Instant - 24 Hours
|
1:1
Instant - 24 Hours
|
1:1
Instant - 24 Hours
|
— |
|
34,000 Avios off-peak business class one-way between US East Coast (JFK/BOS/ORD) and Madrid (MAD) with minimal taxes.
|
1:1
Instant
|
1:1
Instant
|
1:1 (via BA Avios)
Instant
|
— | — |
1:1
Instant
|
|
70,000 Avios US to Doha in Qsuite; access to Qatar Airways Qsuite saver inventory with no excessive carrier surcharges.
|
1:1 (via BA Avios)
Instant
|
1:1 (via BA Avios)
Instant
|
1:1 (via BA Avios)
Instant
|
1:1
Instant
|
— | — |
|
Unified distance-based partner chart starting at 4,500 miles for short hops; free stopovers on international one-way awards.
|
— | — | — | — |
1:1
Instant
|
— |
|
Fixed value redemptions (~1.3¢-1.4¢/pt); two free checked bags on all fares; no change or cancellation fees.
|
1:1
Instant
|
— | — | — | — | — |
|
Revenue-based redemptions; JetBlue Mint business class suites for domestic transcon and transatlantic routes.
|
1:1
Instant
|
250:200 (1:0.8)
Instant
|
— |
1:1
Instant
|
— | — |
Transferable Currency Overviews
Chase Ultimate Rewards
Valuation: 1.5¢ - 2.0¢Premier transferable currency featuring exclusive 1:1 transfers to United MileagePlus, Southwest Rapid Rewards, and World of Hyatt.
American Express Membership Rewards
Valuation: 1.6¢ - 2.2¢Extensive international airline roster featuring ANA Mileage Club, Delta SkyMiles, and frequent seasonal 15%–30% transfer bonuses.
Capital One Miles
Valuation: 1.4¢ - 1.8¢Versatile global travel miles with instant 1:1 transfers to Air Canada Aeroplan, Turkish Miles&Smiles, and Avianca LifeMiles.
Citi ThankYou Rewards
Valuation: 1.4¢ - 1.7¢Strong international partner network with Turkish Miles&Smiles, Avianca LifeMiles, and Qatar Airways Privilege Club.
Bilt Rewards
Valuation: 1.7¢ - 2.2¢Earn points on rent with top-tier transfer partners including Alaska Airlines, United Airlines, and World of Hyatt.
Wells Fargo Rewards
Valuation: 1.3¢ - 1.6¢Emerging transfer currency featuring 1:1 transfers to Avianca LifeMiles, British Airways Avios, and Air France/KLM Flying Blue.
💡 Golden Rules of Points Transfer
Never Transfer Speculatively
Transfers are irreversible. Points can never be returned back to Chase, Amex, or Capital One. Always confirm saver award seat availability before initiating a transfer.
Mind the Transfer Clock
While most transfers to Flying Blue, Aeroplan, and Virgin are instantaneous, programs like ANA and Singapore Airlines can take 24–48 hours to post. Plan for seat hold times accordingly.
Avios Pooling Superpower
British Airways, Iberia, Qatar Airways, and Aer Lingus all use Avios. Once transferred to British Airways or Qatar, you can move Avios freely between them at a 1:1 ratio with zero fees.
Account Name Matching
The name on your credit card account must match the frequent flyer account. Transferring to friends or third-party accounts is strictly blocked by most issuers unless they are registered authorized users.