Beginner’s Guide to Using Flexible Points for Big Travel With Small Money

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In our interview series, we always ask, “What do you now know about collecting miles and points which you wish you knew when you started out?”

The most common answer interviewees give is that they wish they would have started sooner.  Even if you’re unsure of your travel goals, starting to earn transferable points now will give you lots of options for your future trip plans.

Because transferable points programs have dozens of airline and hotel partners, you’ll have the flexibility to choose where to move your points when you’re ready to use them.

Beginner's Guide To Using Flexible Points For Big Travel With Small Money

Dreaming of Big Travel? Transferable Points Give You the Most Flexibility When You’re Ready to Plan Your Trip!

Let’s take a detailed look at the 4 major transferable points programs.

1.   Chase Ultimate Rewards

Chase Ultimate Rewards is my favorite flexible points program.  And it’s the best place to start if you’re new to miles & points!

That’s because if you have certain cards, you can transfer points directly to terrific travel partners, like British Airways, United Airlines, Hyatt, and Southwest.  There are never any transfer fees and most transfers are instant.

Or use points to book paid travel through the Chase Ultimate Rewards Travel Portal at a rate of 1.25 cents per point with no blackout dates!

Beginner's Guide To Using Flexible Points For Big Travel With Small Money

We’ve Transferred Chase Ultimate Rewards Points to Hyatt for Amazing Stays at Hotels Like the Grand Hyatt Kauai

Cards that Earn Chase Ultimate Reward Points

You can earn Chase Ultimate Rewards points with these cards:

Personal CardsBusiness Cards
Chase Sapphire ReserveChase Ink Plus
Chase Sapphire PreferredChase Ink Bold (No Longer Available to New Applicants)
Chase FreedomChase Ink Cash
Chase Freedom Unlimited
Chase Sapphire (No Longer Available to New Applicants)
Note: Points earned from the Chase Freedom, Sapphire, and Ink Cash cards can only be transferred to travel partners if you also have a Chase Sapphire Preferred, Ink Plus, or Ink Bold card.

Keep in mind, you can only transfer Chase Ultimate Rewards points to airline and hotel partners if you have a Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold (no longer offered) card.

And to redeem your Chase Ultimate Rewards points through Chase’s portal for 1.25 cents per point, you’ll also need one of the cards above. Otherwise, your points are worth 1 cent each toward paid travel or cash back.

You’ll also earn Ultimate Rewards points when you use your Chase Freedom, Chase Freedom Unlimited or Chase Ink Cash card, but you can’t move them to airlines and hotels directly.  You’ll have to first transfer them to your Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold account!

Chase Ultimate Rewards points do NOT expire.  But once you’ve moved them to an airline or hotel partner, you can NOT transfer them back!

Airline & Hotel Partners

Chase Ultimate Rewards points transfer at a 1:1 ratio to the following partners:

 Chase Ultimate Rewards Airline Transfer Partners 
British AirwaysFlying Blue (Air France/KLM)Korean Air
Singapore AirlinesSouthwestUnited Airlines
Virgin Atlantic
 Chase Ultimate Rewards Hotel Transfer Partners 

Things to Consider

  • By transferring to airlines and hotels, you’ll often get a much better value from your points than if you redeemed them for portal bookings, merchandise, or cash back
  • You can transfer to another person’s Ultimate Rewards account as long as they are in the same householdBut if you want to transfer to someone else’s frequent flyer or frequent hotel guest program, you’ll need to take the added step of adding them as an authorized user to your account.
  • Transfers are non-refundable
  • Transfers to Southwest do NOT count towards the Companion Pass.

2.  American Express Membership Rewards

American Express Membership Rewards points are not as straightforward as Chase Ultimate Rewards points, but they’re a good option if you prefer American Express’ airline and hotel partners.

Some of their partners, like British Airways and Singapore Airlines, are also Chase Ultimate Rewards partners.  But many, like Delta, Air Canada, or Etihad, are NOT.

Beginner's Guide To Using Flexible Points For Big Travel With Small Money

Transfer AMEX Membership Rewards Points to Etihad for Flights to the Middle East and Beyond – or Book Partner Flights Like American Airlines

Transfers take ~1 to 2 days.  And you’ll pay an excise fee of 0.06 cents per point (to a maximum of $99) when you move your points to US airlines, like Delta or JetBlue.

And you can get an especially good deal when AMEX runs transfer bonuses to certain partners.

Cards That Earn AMEX Membership Rewards Points

These cards earn AMEX Membership Rewards points:

Personal CardsBusiness Cards
Premier Rewards Gold Card From American ExpressThe Business Gold Rewards Card from American Express OPEN
American Express® Mercedes-Benz PlatinumThe Blue for Business® Credit Card from American Express
The Platinum Card® from American ExpressThe Enhanced Business Platinum Card® from American Express OPEN
AMEX EveryDay® Credit Card from American Express
Business Green Rewards Card from American Express OPEN
AMEX EveryDay® Preferred Credit Card from American Express
American Express® Gold Card
American Express® Green Card
Blue from American Express® Note: These are the ONLY AMEX cards that earn Membership Rewards points that can NOT be transferred to airline & hotel programs. But you can use these points on the Membership Rewards website for other redemptions. Includes personal AND small business versions of the card.

Like Chase Ultimate Rewards points, once you’ve transferred points to an airline or hotel partner, you can NOT get them back!

Airline & Hotel Partners

You can transfer AMEX Membership Rewards points to these airlines and hotel chains:

 American Express Membership Rewards Airline Transfer Partners 
AeroMexicoAir CanadaAlitalia
ANAAsia MilesBritish Airways
Delta AirlinesEl AlEmirates
EtihadFlying Blue (Air France / KLM)Hawaiian Airlines
IberiaJetBlueSingapore Airlines
Virgin AmericaVirgin Atlantic
 American Express Membership Rewards Hotel Transfer Partners 
Choice HiltonStarwood

Check out my posts on how to use American Express Membership Rewards points to get to Europe and India.

Things to Consider

  • Transfers of American Express Membership Rewards points usually take ~2 days, but depending on the airline, it can take longer
  • You have to pay a fee of 0.06 cents per mile up to $99 to transfer American Express Membership Rewards points to US airlines.  But you do NOT pay a fee when you transfer to international airlines like Air Canada, ANA, and British Airways
  • You can transfer American Express Membership Rewards points to Air Canada and use them on Air Canada or Star Alliance partners like United Airlines, Turkish Airlines, and Singapore Airlines

3.   Starwood Preferred Guest

Starwood points aren’t just useful for hotel stays Starwood Preferred Guest is another great flexible option because you can transfer points to more than 30 different airlines, including American Airlines, Alaska Airlines, and Delta.

For each transfer of 20,000 Starwood points to airlines with a 1:1 transfer ratio, you’ll earn an extra 5,000 airline miles.  That’s like getting a 25% bonus!

Note:   Transfers of Starwood points to airlines can take up to 4 weeks!  But in my experience, it usually takes ~2 to ~12 days.

Beginner's Guide To Using Flexible Points For Big Travel With Small Money

Transfer Starwood Points to Airlines Like American Airlines and Earn 5,000 Bonus Miles for Every 20,000 Points You Transfer!

If you prefer using Starwood points for hotel stays, you can stretch your points with perks like:

Cards That Earn Starwood Points

Link:   Starwood Preferred Guest® Credit Card from American Express (Personal)

Link:   Starwood Preferred Guest® Business Credit Card from American Express

You can earn Starwood points directly from the AMEX Starwood Preferred Guest personal and small business cards.  The Starwood Preferred Guest Credit Card from American Express currently offers 25,000 Starwood points after you meet the minimum spending requirements.

Starwood is also an American Express Membership Rewards transfer partner.  But the transfer ratio isn’t good (3 AMEX Membership Rewards points = 1 Starwood point).  So I’d only recommend this if you just need a few Starwood points to top-off your account for an award.

Remember, once you transfer Starwood points to an airline, you can NOT transfer them back!

Airline Partners

Transfer your Starwood points to these airline partners:

 Starwood Preferred Guest Airline Transfer Partners 
AegeanAeroMexicoAir Canada
Air BerlinAir ChinaAir New Zealand
Alaska AirlinesAlitaliaANA
American AirlinesAsia Miles (Cathay Pacific)Asiana Airlines
AviancaBritish AirwaysChina Eastern
China SouthernDeltaEmirates
Etihad Flying BlueGol Smiles
Hainan AirlinesHawaiian AirlinesJapan Airlines
Jet AirwaysKorean AirlinesLAN
Miles & More (Lufthansa)Qatar AirwaysSaudi Arabian Airlines
Singapore AirlinesThai AirwaysUnited Airlines
Virgin AtlanticVirgin Australia

Keep in mind, most (but not all) airlines have a 1:1 transfer ratio.  The exceptions are:

  • Air New Zealand – 65 Starwood points = 1 Air New Zealand point
  • Gol Smiles – 2 Starwood points = 1 Gol miles
  • LAN – 1 Starwood point = 1.5 LAN kilometers
  • United Airlines – 2 Starwood points = 1 United Airlines mile

Things to Consider

  • Starwood points expire after 12 months of not earning or spending points
  • You can transfer up to 79,999 points per airline within 24 hours.  However, due to the transfer bonus increment of 20,000 points, you should consider the effective transfer limit to be 60,000 points
  • Minimum transfer of 2,500 Starwood points to airlines for regular members 1,500 Starwood points for Starwood Gold members, and no minimum (with most airlines) for Starwood Platinum members
  • If you don’t have enough points for a transfer, you can transfer points for free between accounts as long as the accounts share the same address

4.   Citi ThankYou

You can transfer Citi ThankYou points to airline programs and Hilton hotels.  And while they don’t have any US airline partners, Citi ThankYou points are still useful in certain situations!

For example, transferring to partner Singapore Airlines is a terrific deal if you want to experience a First Class suite on the A380.  Or pay fewer miles to Hawaii using Singapore Airlines miles to fly on United Airlines with no fuel surcharges.

Beginner's Guide To Using Flexible Points For Big Travel With Small Money

Transfer Citi ThankYou Points to Singapore Airlines and Treat Yourself to a Flight in a First Class Suite

Citi ThankYou points transfers to partners can take up to 2 weeks.  But in my experience, your points will post within a few days.

Like all flexible points programs, once you transfer Citi ThankYou points to a partner, you can NOT transfer back!

Cards That Earn Citi ThankYou Points

You can only transfer Citi ThankYou points to airline partners and Hilton if you have the Citi Prestige, Citi ThankYou Premier, or Citi Chairman (no longer offered) card.

But if you have one of the cards mentioned, you can combine points from other Citi ThankYou point-earning cards, then transfer to travel partners!

Cards With Points That Directly Transfer to Travel PartnersCards With Points That Transfer ONLY If You Have a Card From First Column
Citi ThankYou PremierCiti ThankYou Preferred
Citi PrestigeCiti ThankYou Preferred for College Students
Citi ChairmanCitiBusiness ThankYou (No Longer Available)
Citi AT&T Access More

Here are my reviews of the Citi Prestige and Citi ThankYou Premier!

Remember, if you have the Citi Prestige, you can use Citi ThankYou points at a rate of 1.6 cents per point to book paid travel on American Airlines and oneworld partners through July 23, 2017.  Or 1.33 cents per point on other airlines through July 23, 2017.

And Citi ThankYou Premier cardholders can use points to book paid travel, including airfare, hotels, car rentals, and cruises, at a rate of 1.25 cents per point.

That’s great flexibility if you don’t want to worry about blackout dates or finding available award seats.

Airline & Hotel Partners

You can transfer Citi ThankYou points to these airlines at a 1:1 ratio (except Virgin America, which is 2:1):

 Citi ThankYou Points Airline Transfer Partners 
Asia Miles (Cathay Pacific)EVA AirEtihad
Flying Blue (Air France/KLM)Garuda Indonesia Malaysia Airlines
QantasQatar AirwaysSingapore Airlines
Thai AirwaysVirgin AmericaVirgin Atlantic

And transfers to Hilton hotels are at a 2:3 ratio.

Note:   Transfers must be made in 1,000-point increments.

Remember, once you transfer points to an airline, you can use those points for award tickets on any airline within their alliance.

Things to Consider

  • You can only transfer points to your own frequent traveler account (names have to match)
  • There’s no fee to transfer points
  • It can take up to 14 days for points to post to your frequent flyer account, but they’ll deduct the points from your ThankYou account immediately.  So you might want to have several award redemptions in mind in case your first choice vanishes while waiting for points to transfer!
  • Not all ThankYou points can be transferred (even if you have an eligible card) – for example, points earned from a Citi checking account or for opening a new account aren’t eligible
  • You can move a maximum of 500,000 ThankYou Points per transfer

Bottom Line

Even if you’re not sure of your travel goals, you can start collecting transferable points now – and have the flexibility to transfer them to dozens of airline and hotel partners in the future.

You can earn lots of points from programs like American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou, and Starwood Preferred Guest from credit card sign-up bonuses and spending.

And when you’re ready to plan a trip, transfer them to your favorite airline or hotel partner.  You’ll have plenty of options!

What’s your favorite transferable points program?

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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3 responses to “Beginner’s Guide to Using Flexible Points for Big Travel With Small Money

  1. Citi Thank You Points transfer to Virgin America at a 2:1 ratio.

  2. I want to go round trip from RSW to DUS on Air Berlin
    How do I use Chase U R booking service ? Please detail the steps involved.
    Then I want one ways. DUS- MAD & LIS to DUS – please advise best approach using again UR’s & the Chase travel service.