Which Points Transfer to Which Airlines? Handy Chart for Converting!

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Which Points Transfer to Which Airlines? Handy Chart for Converting!

Million Mile SecretsWhich Points Transfer to Which Airlines? Handy Chart for Converting!Million Mile Secrets Team

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Million Mile Secrets reader, Lindsay, tweeted:

What credit card can I apply for that will allow me to transfer points to American Airlines?  I already have the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®.

Thanks for the tweet, Lindsay!

American Airlines has only one transferable points partner –Marriott!  You can transfer Marriott points at a 3:1 ratio, and get a bonus 5,000 miles for every increment of 60,000 points you transfer.

But there are lots of other airlines with different transfer partners!  And remembering them all is not easy.  If only there were a handy chart you could refer to when you needed this information!

Which Points Transfer To Which Airlines Handy Chart For Converting
You’ll Never Run Out of Places to Travel! Maximize Your Points by Knowing the Transfer Partners of Each Airline

Let’s take a look at the most popular airlines and their transfer partners in a clear and understandable way.  And help you decide which points will be the most valuable to collect!

Know Which Points Transfer to Your Preferred Airlines

I love transferable points because of the flexibility that comes with them!  But it can still be hard to figure out which miles & points to collect for your trip.

If you already have an idea of where & how you want to travel, and which airlines or alliances you prefer, it’s easier to decide which credit cards to apply for.

Which Points Transfer To Which Airlines Handy Chart For Converting
Analyze Your Needs Before You Begin Collecting Points

Knowing which airlines serve your home airport will help a lot in making a decision!  Choose the points you earn by how useful they will be to YOU.

For example, even though most people place a smaller value on Delta miles, they are a wise choice for someone living near a Delta hub, like Atlanta.

Here is a chart to help you along the way!  It doesn’t include every single airline, but instead covers the most popular airline transfer options.

And remember, when you transfer points to an airline, you aren’t stuck flying ONLY that airline.  You can also fly on partner airlines!

Which Points Transfer To Which Airlines Handy Chart For Converting
Use American Airlines Miles to Fly on oneworld Partner Cathay Pacific to Hong Kong

For example, if you transfer your points to United Airlines, you will be able to book flights on Air Canada, South African Airways, Turkish Airlines, etc.

Make sure you examine the partners of each airline to see what works best for you.

AirlineAmerican Express Membership RewardsChase Ultimate RewardsCiti ThankYouMarriott
Aer LingusNo1:1NoNo
Air Canada (Aeroplan)1:1NoNo3:1
Alaska AirlinesNoNoNo3:1
American AirlinesNoNoNo3:1
All Nippon Airways (ANA)1:1NoNo3:1
Asia Miles (Cathay Pacific)1:1No1:13:1
British Airways1:11:1No3:1
Flying Blue1:11:11:13:1
Hawaiian Airlines1:1NoNo3:1
Japan Airlines (JAL)NoNoNo3:1
Korean AirNo1:1No3:1
Miles & MoreNoNoNo3:1
Singapore Airlines1:11:11:13:1
United AirlinesNo1:1No3:1.1
Virgin Atlantic1:11:11:13:1

Note:   The conversion rate for Marriott points becomes 3:1.25 when you transfer in increments of 60,000.  That’s because you will receive a 5,000 mile bonus when you transfer 60,000 Marriott points to airline partners with a 1:1 transfer ratio!

You can also convert other hotel points to some airlines for more miles.  But the transfer rates are NOT good, and should be used as a last resort, or if you need just a couple thousand more miles for an award flight.

Only Certain Cards Can Transfer Points

Most of these points programs will only let you transfer your points if you have one of their annual-fee cards.

For example, I’ve gladly kept my Chase Sapphire Preferred® Card, even with the $95 annual fee, because it allows me to transfer ALL my Chase Ultimate Rewards points to Big Travel partners, like United Airlines and Hyatt.  Including the points I’ve earned with the no-annual fee Chase Freedom card!

American Express Membership Rewards

You can transfer your American Express Membership Rewards points to lots of great partners.  But only certain credit cards are eligible to transfer points!


Which Points Transfer To Which Airlines Handy Chart For Converting
Transfer Your Points to Singapore Airlines for a Memorable First Class Experience!

American Express charges a fee to transfer miles to US airlines.  They have to pay an excise tax for the transfer, and they pass along the costs to you, the cardholder.  You will pay 0.06 cents per point, up to a maximum of $99 when you transfer American Express Membership Rewards points to a US airline.

American Express Membership Rewards points usually transfer within 2 days, but can take longer depending on the airline.

Chase Ultimate Rewards

No-annual-fee Chase cards like the Chase Freedom® and Ink Business Cash Credit Card do NOT allow you to transfer points to travel partners directly.

In order to transfer the points you earn with these cards to travel partners, you must first transfer them to the Chase Sapphire Preferred® Card, Ink Plus® Business Credit Card, or Chase Ink Bold (no longer available).

Which Points Transfer To Which Airlines Handy Chart For Converting
Use the Chase Sapphire Preferred or Chase Ink Plus to Transfer Your Chase Ultimate Rewards Points to an Increasing Number of Transfer Partners, Like Flying Blue!

Here are step-by-step instructions on how to transfer points from the Chase Freedom to a card which allows you to transfer them to hotel and airline partners.  Transferring points is free to all transfer partners.  But it’s not always instant!

Most of the Chase Ultimate Rewards transfer partners receive your Chase points instantly, but IHG and Marriott took me ~19 hours and ~41 hours respectively to receive my transferred points.

Citi ThankYou Points

Like other programs, you can NOT transfer Citi ThankYou points from just any card.

Cards like the the Citi ThankYou Preferred or Citi ThankYou Preferred for College Students do not have the capability to transfer points to airlines.  You must combine those points with either the Citi ThankYou® Premier Card, Citi Prestige® Card, or Citi Chairman (no longer available).  Then you can use them with transfer partners!

Note:   Citi ThankYou points don’t transfer to American Airlines, but each point is worth 1.6 cents towards paid American Airlines or partner flights if you have the Citi Prestige® Card.

Which Points Transfer To Which Airlines Handy Chart For Converting
Citi Prestige Cardholders Can Use Citi ThankYou Points at 1.6 Cents Each for Paid Flights on American Airlines to Their Favorite Destinations

You can do this by signing into the Citi ThankYou website and clicking on “Combine ThankYou Accounts.”

It is free to transfer Citi ThankYou points, but transfers are far from instant.  The average wait time is 2 days, although it may take up to 14 days for the process to complete.


Chase Marriott and American Express Starwood cards earn the most flexible points for transferring to airlines.  And Starwood does not have any card-specific transfer restrictions.  As long as you have Marriott points, you can transfer them to airline partners!

You can transfer Marriott points to a lot of airlines that aren’t partners with any other program.  Marriott has more than 40 transfer partners, which is more than American Express Membership Rewards and Chase Ultimate Rewards combined!

Which Points Transfer To Which Airlines Handy Chart For Converting
Marriott’s 40+ Transfer Partners Makes It Easy to Redeem Points to Wherever Your Heart Desires

There is no fee to transfer Marriott points, but they could take the longest amount of time to transfer.  Even though points usually transfer between 2 and 12 days, it can take up to 4 weeks!  That’s a big deal if you have a certain redemption in mind and are afraid it will sell out!

Bottom Line

Lindsay can transfer Marriott points to American Airlines at a 3:1 ratio.  And you will get a 25% bonus when you transfer Marriott points in increments of 20,000 to airlines with a 1:1 transfer ratio.

American Express Membership Rewards, Chase Ultimate Rewards, and Citi ThankYou require you to have certain cards before you can transfer your points to airlines.  Marriott is the one exception.

Which kind of transferable points are your favorite?

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I like SPG to AA

Hi… Transferring from Chase to BA

I am accumulating enough Chase Ultimate Rewards points so that I can transfer to United Mileage Plus!

I have transfered UR to United, as well as SPG. Looking to transfer Amex next year.

I transfer to various airlines depending on award ticket. My latest transfer 80k from Amex, Chase, and Citi to Singapore Airline to book o/w Singapore Suites SYD-HKG.

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