What are credit card transfer partners?

Credit card transfer partners are airline and hotel loyalty programs that accept points transfers from a credit card rewards currency. For example, Chase Ultimate Rewards transfers to United MileagePlus, Hyatt, and other programs. Transfers are typically instant and one-way — you cannot transfer back.

Which credit card has the most airline transfer partners?

American Express Membership Rewards has the most airline transfer partners, including Air France Flying Blue, Aeroplan, Singapore KrisFlyer, Virgin Atlantic Flying Club, Delta SkyMiles, and more. Chase Ultimate Rewards, Capital One Miles, and Citi ThankYou Points also have strong airline transfer partner networks.

Do credit card points transfer at a 1:1 ratio?

Most major credit card programs transfer to airline partners at a 1:1 ratio — 1,000 card points become 1,000 airline miles. Some exceptions exist: Marriott Bonvoy transfers at 3:1 to most airlines (with a 5,000-mile bonus at every 60,000 transferred). Always verify the current transfer ratio before initiating a transfer.

How long do credit card point transfers take?

Most transfers from Amex Membership Rewards, Chase Ultimate Rewards, Capital One Miles, and Citi ThankYou Points to airline partners are instant or complete within minutes. Marriott Bonvoy transfers to airlines typically take 1–3 business days. Never transfer points until you have confirmed award space is available, as most transfers cannot be reversed.

Which airline programs have the best transfer partners?

Programs accepting transfers from multiple card currencies offer the most flexibility. Air France Flying Blue, Aeroplan, Singapore KrisFlyer, Virgin Atlantic Flying Club, and United MileagePlus all accept transfers from multiple major card programs. Fluxora tracks live award availability for each of these programs so you can see current deals before deciding where to transfer.

Should I transfer points or use cash for a flight?

Transfer points to airline programs when the award flight value exceeds 1.5 cents per point — that is, when a $3,000 business class seat is available for 100,000 points or fewer. Fluxora scores each award deal 0–100, with deals above 80 representing strong transfer-and-book opportunities. Use the deal pages to verify current pricing before transferring.

Credit Card Transfer Partners — Which Cards Transfer to Which Airlines

Which airline loyalty programs accept points from your credit card? Use this guide to find transfer partners for Amex, Chase, Capital One, Citi, and other major card programs — with live award availability for each airline.

Tip: Only transfer points when you have confirmed award space. Most transfers are instant but irreversible. Use Fluxora to verify availability before transferring.

By credit card program

American Express Membership Rewards

16 airlines

Air France-KLM Flying Blue

Credit Card Transfer Partners — Which Cards Transfer to Which Airlines

By credit card program

By airline program