Transfer partners, every program, one table
Where Chase, Amex, Citi, Capital One, Bilt and Wells Fargo points can actually go — every partner, every ratio, and the transfer bonuses live right now. From a verified facts catalog with a source and a check date on every claim, not a listicle.
Transfer bonuses live now (October 2026)
8 bonuses active across the 6 programs we track — the full tracker, with per-bonus caveats and recently ended bonuses, lives at current transfer bonuses. Official bonus pages sit behind member logins, so all are reported by multiple independent outlets, not issuer-verified — confirm the terms with the program running the bonus before transferring.
| Program | To | Bonus | Ends |
|---|---|---|---|
| Citi TYP | Japan Airlines Mileage Bank | 30% to Japan Airlines Mileage Bank at launch: the new standard 1:1 improves — premium-tier cards 1,000 TYP : 1,300 JAL miles, a rare above-par bonus; non-premium tier (incl. the base Strata, Double Cash and Custom Cash) 1,000 → 910 at the 0.7x tier, still below 1:1 | 2026-10-24 |
| Citi TYP | Avianca LifeMiles | 25% to Avianca LifeMiles (1,000 TYP : 1,250 LifeMiles on premium ThankYou cards) | 2026-10-24 |
| Amex MR | Aeromexico Rewards (Club Premier) | 20% to Aeromexico Rewards (the standing 1:1.6 improves to 1,000 MR : 1,920 Aeromexico points) | 2026-10-30 |
| Amex MR | Air France-KLM Flying Blue | 25% to Air France-KLM Flying Blue (standard 1:1 improves to 1,000 MR : 1,250 miles) | 2026-10-31 |
| Capital One | British Airways Club | 20% to British Airways Club (standard 1:1 improves to 1,000 miles : 1,200 Avios) | 2026-10-31 |
| Citi TYP | Qatar Airways Privilege Club | 15% to Qatar Airways Privilege Club at the smallest tier — a Qatar-side campaign tiered by Avios converted in a single transaction, awarded by Qatar Airways and not shown in Citi's transfer flow: 15% below 50,000 Avios (standard 1:1 improves to 1,000 TYP : 1,150 Avios on premium ThankYou cards), 25% at 50,000–99,999, 35% at 100,000+ | 2026-10-31 |
| Capital One | Virgin Red | 30% to Virgin Red (standard 1:1 improves to 1,000 miles : 1,300 Virgin points) | 2026-11-20 |
| Amex MR | Marriott Bonvoy | 35% to Marriott Bonvoy (standard 1:1 improves to 1,000 MR : 1,350 Marriott Bonvoy points) | 2026-12-10 |
- A transfer bonus is never a reason to move points speculatively. Transfers are one-way and final; move points only against a specific award you are booking now, at or above the currency's floor value.
The 6 programs, verified
Chase Ultimate Rewards
14 partners (10 airlines, 4 hotels) · standard 1:1 · verified 2026-08-28
American Express Membership Rewards
20 partners (16 airlines, 4 hotels) · standard 1:1 · verified 2026-08-30
Capital One Miles
22 partners (18 airlines, 4 hotels) · standard 1:1 · verified 2026-08-21
Citi ThankYou Rewards
20 partners (15 airlines, 5 hotels) · standard 1:1 (premium cards) · verified 2026-09-20
Bilt Rewards (Bilt Points)
25 partners (18 airlines, 7 hotels) · standard 1:1 · verified 2026-09-04
Wells Fargo Rewards
11 partners (9 airlines, 2 hotels) · standard 1:1 · verified 2026-09-05
Which program reaches which partner
The table no issuer will print: every partner across all 6 currencies, side by side. Ratios read points-in : partner-points-out; the small number is what 1,000 points become.
| Partner | Chase UR | Amex MR | Capital One | Citi TYP | Bilt | Wells Fargo |
|---|---|---|---|---|---|---|
| Air France-KLM Flying Blue airline | 1:1 →1,000 | 1:1 →1,000 · bonus | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 |
| Avianca LifeMiles airline | — | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 · bonus | 1:1 →1,000 | 1:1 →1,000 |
| British Airways Club (Avios) airline | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 · bonus | — | 1:1 →1,000 | 1:1 →1,000 |
| Cathay Pacific Asia Miles airline | — | 5:4 →800 | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 |
| JetBlue TrueBlue airline | 1:1 →1,000 | 250:200 →800 | 5:3 →600 | 1:1 →1,000 | — | 1:1 →1,000 |
| Virgin Atlantic Flying Club airline | 1:1 →1,000 | 1:1 →1,000 | — | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 |
| Aer Lingus AerClub airline | 1:1 →1,000 | 1:1 →1,000 | — | — | 1:1 →1,000 | 1:1 →1,000 |
| Air Canada Aeroplan airline | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | — | 1:1 →1,000 | — |
| Emirates Skywards airline | — | 5:4 →800 | 2:1.5 →750 | 1:0.8 →800 | 1:1 →1,000 | — |
| Iberia Club airline | 1:1 →1,000 | 1:1 →1,000 | — | — | 1:1 →1,000 | 1:1 →1,000 |
| Qatar Airways Privilege Club (Avios) airline | — | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 · bonus | 1:1 →1,000 | — |
| Singapore Airlines KrisFlyer airline | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | — | — |
| Etihad Guest airline | — | — | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | — |
| Japan Airlines Mileage Bank airline | — | — | 2:1.5 →750 | 1:1 →1,000 · bonus | 1:1 →1,000 | — |
| Qantas Frequent Flyer airline | — | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | — | — |
| Turkish Airlines Miles&Smiles airline | — | — | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | — |
| Virgin Red airline | — | — | 1:1 →1,000 · bonus | — | 1:1 →1,000 | 1:1 →1,000 |
| Aeromexico Rewards airline | — | 1:1.6 →1,600 · bonus | 1:1 →1,000 | — | — | — |
| EVA Air Infinity MileageLands airline | — | — | 2:1.5 →750 | 1:1 →1,000 | — | — |
| Southwest Rapid Rewards airline | 1:1 →1,000 | — | — | — | 1:1 →1,000 | — |
| TAP Miles&Go airline | — | — | 1:1 →1,000 | — | 1:1 →1,000 | — |
| United MileagePlus airline | 1:1 →1,000 | — | — | — | 1:1 →1,000 | — |
| American Airlines AAdvantage airline | — | — | — | 1:1 →1,000 | — | — |
| ANA Mileage Club airline | — | 1:1 →1,000 | — | — | — | — |
| Atmos Rewards (Alaska + Hawaiian) airline | — | — | — | — | 1:1 →1,000 | — |
| Delta SkyMiles airline | — | 1:1 →1,000 | — | — | — | — |
| Finnair Plus airline | — | — | 1:1 →1,000 | — | — | — |
| Thai Airways Royal Orchid Plus airline | — | — | — | 1:1 →1,000 | — | — |
| Wyndham Rewards hotel | 1:1 →1,000 | — | 1:1 →1,000 | 1:1 →1,000 | 1:1 →1,000 | 1:2 →2,000 |
| Choice Privileges hotel | — | 1:1 →1,000 | 1:1 →1,000 | 1:1.5 →1,500 | — | 1:2 →2,000 |
| Accor Live Limitless hotel | — | — | 2:1 →500 | 2:1 →500 | 3:2 →667 | — |
| Marriott Bonvoy hotel | 1:1 →1,000 | 1:1 →1,000 · bonus | — | — | 1:1 →1,000 | — |
| Preferred Hotels (I Prefer) hotel | — | — | 1:2 →2,000 | 1:2 →2,000 | 1:2 →2,000 | — |
| Hilton Honors hotel | — | 1:2 →2,000 | — | — | 1:1 →1,000 | — |
| IHG One Rewards hotel | 1:1 →1,000 | — | — | — | 1:1 →1,000 | — |
| Leading Hotels of the World (Leaders Club) hotel | — | 4:1 →250 | — | 5:1 →200 | — | — |
| World of Hyatt hotel | 4:3 →750 | — | — | — | 1:1 →1,000 | — |
- Citi ratios shown are the premium-tier (Strata Elite, Strata Premier, Prestige). Non-premium ThankYou cards — including the base Strata, Double Cash and Custom Cash — transfer at 0.7× the premium ratio (1:0.7 on 1:1 airline partners); per-partner non-premium ratios are on the Citi program page.
- Highlighted cells carry an active transfer bonus (reported, not issuer-verified — see the tracker above). Chase and Amex publish ratios behind logins for some partners; sourcing per program is on each program page.
- Virgin Red (Capital One, Bilt) is Virgin Group's umbrella program, listed separately from Virgin Atlantic Flying Club — onward movement between them is not verified here.
Reading these tables like the experts do
Three rules keep transferable points valuable: never transfer speculatively (points move one way only), never transfer below the currency's floor value without a specific award priced first, and when two programs reach the same partner, send the currency with the better ratio — Cathay costs 1,000 Citi points or 1,250 Amex points for the same 1,000 Asia Miles. Our methodology explains how every fact here is verified.
Before you transfer
What a point is worth
Floor and aspirational values for every currency, with the reasoning shown.
Duel two cards
Your spend, any two cards, per-category winners, fees netted.
Best card by category
Every catalogued card ranked by math on a reference spend — no payouts in the ranking.
Current transfer bonuses
Every live bonus across the six programs, with the floor math on each.
The full answer engine is in the works
Card-linked offers, shopping portals, transfer windows, and a missed-rewards audit — one answer at every purchase. Leave your email and we'll write when there's something real to try. No spam, no selling your address.