Best Credit Card Transfer Partners for Flights & Hotels

American Express, Chase, BILT, Capital One, and Citi's credit card rewards programs best transfer partners to make it easier for you to maximize your points.

4/25/20253 min read

Your One Stop Rewards Transfer Partner Guide

If you're navigating the world of travel rewards, understanding credit card transfer partners is crucial. Think of them like secret passageways that turn your everyday spending into first-class flights or luxury hotel stays. Instead of just using your points for cash back or gift cards, you can often get far more bang for your buck—especially if you know where to transfer them. In this guide, we’re diving into the transfer partners from five of the most powerful rewards programs out there: Capital One Venture X, Bilt Rewards, Citi ThankYou Rewards, American Express Membership Rewards, and Chase Ultimate Rewards. Personally, my favorite transfer program is Virgin Atlantic—it’s one of the few partners that every card program supports, and it consistently offers some of the best value redemptions for your points. Lets not waste any more time and jump right into the programs below!

Capital One Venture X Rewards Program

Airline Partners (1:1 transfer ratio):

  • Aeromexico Club Premier

  • Air Canada Aeroplan

  • Air France-KLM Flying Blue

  • Avianca LifeMiles

  • British Airways Executive Club

  • Cathay Pacific Asia Miles

  • Emirates Skywards

  • Etihad Guest

  • Finnair Plus

  • Qantas Frequent Flyer

  • Singapore Airlines

  • TAP Air Portugal Miles & Go

  • Turkish Airlines Miles & Smiles​

Hotel Partners:

  • Choice Privileges (1:1)

  • Wyndham Rewards (1:1)

  • Accor Live Limitless (2:1)​

Capital One offers an excellent variety of selection of transfer partners, providing flexibility across various airline alliances and hotel programs. Sign up for Capital One Rewards here!

Bilt Rewards

Airline Partners:

  • Aer Lingus AerClub

  • Air Canada Aeroplan

  • Air France-KLM Flying Blue

  • Alaska Airlines Mileage Plan

  • Avianca LifeMiles

  • British Airways Executive Club

  • Cathay Pacific Asia Miles

  • Emirates Skywards

  • Iberia Plus

  • TAP Air Portugal Miles &Go

  • Turkish Airlines Miles &Smiles

  • United Airlines MileagePlus

  • Virgin Atlantic Flying Club​

Hotel Partners:

  • World of Hyatt

  • IHG One Rewards

  • Marriott Bonvoy

  • Hilton Honors

  • Accor Live Limitless

Bilt stands out by offering transfers while being a no annual fee card. to a diverse range of airline and hotel partners, making it a versatile option for travelers. Sign up for the BILT Card here today and get points back on your rent with no annual fee!

Citi ThankYou Rewards

Airline Partners:

  • Aeromexico Club Premier

  • Air France-KLM Flying Blue

  • Avianca LifeMiles

  • Cathay Pacific Asia Miles

  • Emirates Skywards

  • Etihad Guest

  • EVA Air Infinity MileageLands

  • JetBlue TrueBlue

  • Qantas Frequent Flyer

  • Qatar Airways Privilege Club

  • Singapore Airlines

  • Thai Airways Royal Orchid Plus

  • Turkish Airlines Miles & Smiles

  • Virgin Atlantic Flying Club

Hotel Partners:

  • Choice Privileges

  • Wyndham Rewards

  • Accor Live Limitless​

Citi's ThankYou Rewards program offers a wide array of airline partners, particularly strong in international carriers, providing ample opportunities for global travel. ​

American Express Membership Rewards

Airline Partners:

  • Aer Lingus AerClub

  • Aeromexico Club Premier

  • Air Canada Aeroplan

  • Air France-KLM Flying Blue

  • Alitalia MileMiglia

  • All Nippon Airways (ANA) Mileage Club

  • Avianca LifeMiles

  • British Airways Executive Club

  • Cathay Pacific Asia Miles

  • Delta SkyMiles

  • Emirates Skywards

  • Etihad Guest

  • Hawaiian Airlines HawaiianMiles

  • Iberia Plus

  • Qantas Frequent Flyer

  • Qatar Airways Privilege Club

  • Singapore Airlines KrisFlyer

  • Virgin Atlantic Flying Club​

    Hotel Partners:

  • Choice Privileges

  • Hilton Honors

  • Marriott Bonvoy​

American Express Membership Rewards is renowned for its extensive list of transfer partners, offering flexibility and value for both airline and hotel redemptions. ​

Chase Ultimate Rewards

Airline Partners:

  • Aer Lingus AerClub

  • Air Canada Aeroplan

  • Air France-KLM Flying Blue

  • British Airways Executive Club

  • Emirates Skywards

  • Iberia Plus

  • JetBlue TrueBlue

  • Singapore Airlines KrisFlyer

  • Southwest Airlines Rapid Rewards

  • United Airlines MileagePlus

  • Virgin Atlantic Flying Club​

Hotel Partners:

  • World of Hyatt

  • IHG One Rewards

  • Marriott Bonvoy

Chase Ultimate Rewards not only has great transfer partners, but they have great relationships with their partners and regularly offer transfer bonuses for them throughout the year. This makes them my personal favorite point program out there!

Now, I think we got everything covered! With so many overlapping partners and unique options across these five credit card programs, the real magic happens when you learn how to mix and match based on your travel goals. Whether you're eyeing a luxury hotel stay, a business class seat across the globe, or just want to stretch your points as far as they’ll go, knowing your transfer partners is key. Programs like Virgin Atlantic, with broad compatibility and high-value redemption options, can make a huge difference in the value you get. The more you understand these partnerships, the more your points start to feel like a passport to anywhere—so dive in, explore your options, and make your next trip unforgettable.

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