{ "_README": [ "TRANSFER-PARTNER REFERENCE FILE for the transferable-points currencies in the catalog.", "Powers /transfer/ pages via worker/scripts/generate-content.mjs.", "This is REFERENCE DATA, not a live feed. Transfer partners, ratios and award pricing", "change constantly and without notice. Ratios are the standard published rate for a", "transfer FROM the bank's own points TO the partner program; 1:1 unless noted.", "Sweet-spot notes are illustrative, deliberately qualitative, and NOT price guarantees.", "Always confirm the current partner list and award cost with the issuer and the partner", "program before transferring — transfers are almost always irreversible.", "Keyed by the same currency code used in card-benefits.master.json (card.currency)." ], "disclaimer": "Transfer partners and ratios change often and transfers are usually irreversible. This is a maintained reference, not a live feed — confirm the current partner and award cost with the issuer and the airline or hotel program before you move any points.", "asOf": "2026-09-03", "programs": { "UR": { "name": "Chase Ultimate Rewards", "note": "Transfers post to most partners within minutes to a few hours, in 1,000-point increments. Airlines and Marriott/IHG are 1:1. World of Hyatt is 1:1 from Sapphire Reserve / Sapphire Reserve for Business, but 4:3 (1,000 UR -> 750 Hyatt) from Sapphire Preferred and Ink Business Preferred for cardholders approved on/after 2026-06-15; existing Preferred/Ink cardholders keep 1:1 until 2026-09-30 and drop to 4:3 on 2026-10-01.", "partners": [ { "name": "United MileagePlus", "type": "airline", "ratio": "1:1" }, { "name": "Southwest Rapid Rewards", "type": "airline", "ratio": "1:1" }, { "name": "JetBlue TrueBlue", "type": "airline", "ratio": "1:1" }, { "name": "British Airways Executive Club (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Iberia Plus (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Aer Lingus AerClub (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Air Canada Aeroplan", "type": "airline", "ratio": "1:1" }, { "name": "Air France-KLM Flying Blue", "type": "airline", "ratio": "1:1" }, { "name": "Virgin Atlantic Flying Club", "type": "airline", "ratio": "1:1" }, { "name": "Emirates Skywards", "type": "airline", "ratio": "1:1" }, { "name": "Singapore Airlines KrisFlyer", "type": "airline", "ratio": "1:1" }, { "name": "World of Hyatt", "type": "hotel", "ratio": "1:1 (Sapphire Reserve) / 4:3 (Sapphire Preferred, Ink Preferred — new cardholders since 2026-06-15; all from 2026-10-01)" }, { "name": "Marriott Bonvoy", "type": "hotel", "ratio": "1:1" }, { "name": "IHG One Rewards", "type": "hotel", "ratio": "1:1" } ], "sweetSpots": [ { "title": "World of Hyatt — 1:1 only from Sapphire Reserve", "detail": "Hyatt is still the standout Chase redemption: category 1-4 hotels book for a fixed, relatively low number of points, so on a good night the value per point often clears our conservative estimate by a wide margin, and there is no cash-transfer path into Hyatt. But the ratio now depends on the card: Sapphire Reserve transfers 1:1, while Sapphire Preferred and Ink Business Preferred transfer at 4:3 (new cardholders since June 15, 2026; everyone from October 1, 2026). At 4:3 the Hyatt math is 25% worse — run it before moving points." }, { "title": "Short-haul on Avios or United", "detail": "British Airways and Iberia Avios price short nonstop flights by distance, so brief hops can be cheap; United is useful for domestic and Star Alliance economy. Value depends entirely on the route and date you actually fly." } ], "sources": [ "https://frequentmiler.com/chase-slashes-hyatt-transfer-ratio-to-43/", "https://www.chase.com/personal/credit-cards/travel/ultimate-rewards" ] }, "MR": { "name": "Amex Membership Rewards", "note": "Most airline transfers are 1:1; several partners differ (noted). US airline transfers carry a small excise-tax offset fee. Etihad Guest ceased to be a partner on 2026-06-30. Emirates and Cathay were cut to 5:4 (1,000 MR -> 800) in 2025-2026.", "partners": [ { "name": "Delta SkyMiles", "type": "airline", "ratio": "1:1" }, { "name": "Air Canada Aeroplan", "type": "airline", "ratio": "1:1" }, { "name": "British Airways Avios", "type": "airline", "ratio": "1:1" }, { "name": "Iberia Plus (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Aer Lingus AerClub (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Qatar Airways Privilege Club (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Air France-KLM Flying Blue", "type": "airline", "ratio": "1:1" }, { "name": "Virgin Atlantic Flying Club", "type": "airline", "ratio": "1:1" }, { "name": "Emirates Skywards", "type": "airline", "ratio": "5:4" }, { "name": "Singapore Airlines KrisFlyer", "type": "airline", "ratio": "1:1" }, { "name": "ANA Mileage Club", "type": "airline", "ratio": "1:1" }, { "name": "Cathay", "type": "airline", "ratio": "5:4" }, { "name": "Qantas Frequent Flyer", "type": "airline", "ratio": "1:1" }, { "name": "Avianca LifeMiles", "type": "airline", "ratio": "1:1" }, { "name": "JetBlue TrueBlue", "type": "airline", "ratio": "5:4 (250:200)" }, { "name": "Aeromexico Rewards", "type": "airline", "ratio": "1:1.6" }, { "name": "Hilton Honors", "type": "hotel", "ratio": "1:2" }, { "name": "Marriott Bonvoy", "type": "hotel", "ratio": "1:1" }, { "name": "Choice Privileges", "type": "hotel", "ratio": "1:1" } ], "sweetSpots": [ { "title": "Premium cabins via a partner program", "detail": "Amex has the widest airline partner list of the transferable currencies, so its best use is booking a partner airline's premium cabin through whichever program prices that route lowest — for example Star Alliance space through Avianca LifeMiles or ANA. The value comes from the airline program you transfer into, not from Amex itself." }, { "title": "Hilton at 1:2", "detail": "Membership Rewards transfer to Hilton Honors at 1:2, which can make sense at expensive properties, but Hilton points are low-value on their own — treat this as a situational move, not a default." } ], "removed": [ { "name": "Etihad Guest", "ended": "2026-06-30" } ], "sources": [ "https://www.americanexpress.com/us/credit-cards/rewards/membership-rewards/travel/transfer-points", "https://upgradedpoints.com/news/amex-membership-rewards-etihad-transfer-ending/", "https://awardtravelfinder.com/credit-card-transfers/amex-membership-rewards" ] }, "C1": { "name": "Capital One miles", "note": "Most partners transfer at 1:1; Emirates, EVA Air and Japan Airlines are 4:3 and JetBlue is 5:3 (noted). Transfers are typically fast but occasionally take longer for some partners.", "partners": [ { "name": "Aeromexico Rewards", "type": "airline", "ratio": "1:1" }, { "name": "Air Canada Aeroplan", "type": "airline", "ratio": "1:1" }, { "name": "British Airways Avios", "type": "airline", "ratio": "1:1" }, { "name": "Air France-KLM Flying Blue", "type": "airline", "ratio": "1:1" }, { "name": "Virgin Red / Virgin Atlantic", "type": "airline", "ratio": "1:1" }, { "name": "Emirates Skywards", "type": "airline", "ratio": "4:3" }, { "name": "Singapore Airlines KrisFlyer", "type": "airline", "ratio": "1:1" }, { "name": "Etihad Guest", "type": "airline", "ratio": "1:1" }, { "name": "Qantas Frequent Flyer", "type": "airline", "ratio": "1:1" }, { "name": "Cathay", "type": "airline", "ratio": "1:1" }, { "name": "Finnair Plus", "type": "airline", "ratio": "1:1" }, { "name": "TAP Miles&Go", "type": "airline", "ratio": "1:1" }, { "name": "Turkish Miles&Smiles", "type": "airline", "ratio": "1:1" }, { "name": "Avianca LifeMiles", "type": "airline", "ratio": "1:1" }, { "name": "EVA Air Infinity MileageLands", "type": "airline", "ratio": "4:3" }, { "name": "Japan Airlines Mileage Bank", "type": "airline", "ratio": "4:3" }, { "name": "JetBlue TrueBlue", "type": "airline", "ratio": "5:3" }, { "name": "Qatar Airways Privilege Club (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Wyndham Rewards", "type": "hotel", "ratio": "1:1" }, { "name": "Choice Privileges", "type": "hotel", "ratio": "1:1" }, { "name": "ALL Accor Live Limitless", "type": "hotel", "ratio": "2:1" }, { "name": "I Prefer Hotel Rewards", "type": "hotel", "ratio": "1:2" } ], "sweetSpots": [ { "title": "Turkish Miles&Smiles for Star Alliance", "detail": "Turkish prices many Star Alliance awards — including United domestic flights — below what other programs charge. The catch is that Turkish can be difficult to book online, often requiring a phone call, so factor in the effort." }, { "title": "Avianca LifeMiles, no fuel surcharges", "detail": "LifeMiles is a solid Star Alliance option with competitive business-class pricing and no fuel surcharges. Availability and pricing change, so confirm before transferring." } ], "sources": [ "https://www.capitalone.com/credit-cards/benefits/transfer-partners/", "https://awardtravelfinder.com/credit-card-transfers/capital-one-miles" ] }, "TY": { "name": "Citi ThankYou points", "note": "Airline partners transfer 1:1; a couple of hotel ratios differ (noted). American AAdvantage transfers 1:1 from Strata Elite, Strata Premier and Prestige; select no-annual-fee ThankYou cards transfer to AA at 1:0.7 unless combined with an annual-fee ThankYou card. Citi is the only major program that transfers to Choice at 1:2.", "partners": [ { "name": "American Airlines AAdvantage", "type": "airline", "ratio": "1:1 (annual-fee cards; 1:0.7 from no-fee-only ThankYou accounts)" }, { "name": "Air France-KLM Flying Blue", "type": "airline", "ratio": "1:1" }, { "name": "Virgin Atlantic Flying Club", "type": "airline", "ratio": "1:1" }, { "name": "Singapore Airlines KrisFlyer", "type": "airline", "ratio": "1:1" }, { "name": "Emirates Skywards", "type": "airline", "ratio": "1:1" }, { "name": "Etihad Guest", "type": "airline", "ratio": "1:1" }, { "name": "Qantas Frequent Flyer", "type": "airline", "ratio": "1:1" }, { "name": "Turkish Miles&Smiles", "type": "airline", "ratio": "1:1" }, { "name": "Avianca LifeMiles", "type": "airline", "ratio": "1:1" }, { "name": "Cathay", "type": "airline", "ratio": "1:1" }, { "name": "EVA Air Infinity MileageLands", "type": "airline", "ratio": "1:1" }, { "name": "JetBlue TrueBlue", "type": "airline", "ratio": "1:1" }, { "name": "Thai Royal Orchid Plus", "type": "airline", "ratio": "1:1" }, { "name": "Choice Privileges", "type": "hotel", "ratio": "1:2" }, { "name": "Wyndham Rewards", "type": "hotel", "ratio": "1:1" }, { "name": "ALL Accor Live Limitless", "type": "hotel", "ratio": "2:1" } ], "sweetSpots": [ { "title": "American AAdvantage — the only bank transfer into AA", "detail": "Since July 2025 Citi is the sole transferable currency that reaches American AAdvantage, at 1:1 from Strata Elite, Strata Premier and Prestige. That opens oneworld premium-cabin awards (Qatar Qsuites, JAL, Cathay) that no other bank points can book directly. No-fee-only ThankYou accounts transfer at 1:0.7, which is rarely worth it." }, { "title": "Choice Privileges at 1:2", "detail": "Citi is one of the few programs that transfers to Choice Privileges at 1:2, doubling your point count. That can produce strong value at Choice's European Preferred and Ascend Collection properties, where cash rates run high relative to the points cost." }, { "title": "Star Alliance via Turkish or Avianca", "detail": "The same Turkish Miles&Smiles and Avianca LifeMiles Star Alliance sweet spots available to Capital One transferers are reachable through Citi, subject to the same booking quirks and changing availability." } ], "sources": [ "https://www.citi.com/credit-cards/rewards/thankyou-points-transfer", "https://upgradedpoints.com/news/citi-thankyou-points-transfer-american-airlines-aadvantage/" ] }, "BILT": { "name": "Bilt Points", "note": "Bilt transfers 1:1 to most partners (Accor 3:2, I Prefer 1:2). Bilt's American AAdvantage partnership ended in June 2024, and HawaiianMiles folded into Atmos Rewards (Alaska + Hawaiian) on 2025-10-01; Bilt is the only transferable currency that reaches Atmos Rewards.", "partners": [ { "name": "Atmos Rewards (Alaska Airlines + Hawaiian Airlines)", "type": "airline", "ratio": "1:1" }, { "name": "United MileagePlus", "type": "airline", "ratio": "1:1" }, { "name": "Southwest Rapid Rewards", "type": "airline", "ratio": "1:1" }, { "name": "Spirit Free Spirit", "type": "airline", "ratio": "1:1" }, { "name": "Air Canada Aeroplan", "type": "airline", "ratio": "1:1" }, { "name": "Air France-KLM Flying Blue", "type": "airline", "ratio": "1:1" }, { "name": "British Airways Executive Club (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Iberia Plus (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Aer Lingus AerClub (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Qatar Airways Privilege Club (Avios)", "type": "airline", "ratio": "1:1" }, { "name": "Virgin Atlantic Flying Club / Virgin Red", "type": "airline", "ratio": "1:1" }, { "name": "Emirates Skywards", "type": "airline", "ratio": "1:1" }, { "name": "Etihad Guest", "type": "airline", "ratio": "1:1" }, { "name": "Turkish Miles&Smiles", "type": "airline", "ratio": "1:1" }, { "name": "Cathay", "type": "airline", "ratio": "1:1" }, { "name": "Japan Airlines Mileage Bank", "type": "airline", "ratio": "1:1" }, { "name": "Avianca LifeMiles", "type": "airline", "ratio": "1:1" }, { "name": "TAP Miles&Go", "type": "airline", "ratio": "1:1" }, { "name": "World of Hyatt", "type": "hotel", "ratio": "1:1" }, { "name": "Marriott Bonvoy", "type": "hotel", "ratio": "1:1" }, { "name": "Hilton Honors", "type": "hotel", "ratio": "1:1" }, { "name": "IHG One Rewards", "type": "hotel", "ratio": "1:1" }, { "name": "Wyndham Rewards", "type": "hotel", "ratio": "1:1" }, { "name": "ALL Accor Live Limitless", "type": "hotel", "ratio": "3:2" }, { "name": "I Prefer Hotel Rewards", "type": "hotel", "ratio": "1:2" } ], "sweetSpots": [ { "title": "Atmos Rewards (Alaska + Hawaiian) — Bilt is the only way in", "detail": "Bilt is the sole transferable currency that reaches Atmos Rewards, the merged Alaska/Hawaiian program. Atmos still uses distance-based partner award pricing on oneworld and its own partners, and Hawaiian's routes are now bookable with the same points, so this is the redemption no other bank points can copy. Bilt no longer transfers to American AAdvantage (that partnership ended in June 2024) — use Citi ThankYou for AA." }, { "title": "World of Hyatt at a full 1:1", "detail": "Bilt reaches World of Hyatt 1:1 from every Bilt card — now a better ratio than Chase Sapphire Preferred's 4:3 — with the same low fixed award pricing on category 1-4 hotels that makes Hyatt the strongest hotel value among the transferable currencies." } ], "removed": [ { "name": "American Airlines AAdvantage", "ended": "2024-06" }, { "name": "Hawaiian Airlines HawaiianMiles", "ended": "2025-10-01", "note": "merged into Atmos Rewards" } ], "sources": [ "https://support.biltrewards.com/hc/en-us/articles/19086448638989-Bilt-s-Transfer-Partners" ] } } }