Update 12/4/2016: Updated with recently added and missing airlines. Adjusted color scheme to match the programs (e.g. SPG is purple, etc). If you found this resource helpful check out my other mile & point resources. Please let me know if you find other updates that are needed!
Update 06/24/2016: Updated transfer partner tables and correction made to Virgin America (Citi TY) & Cathay Pacific (Citi TY).
Update 05/22/2016: Air France KLM Flying Blue added as new Chase Ultimate Rewards transfer partner.
Update 04/19/2016: Virgin America added as new SPG transfer partner and Etihad added as new Amex Membership Rewards transfer partner.
Update 02/25/2015: Qantas added as new Citi ThankYou Rewards transfer partner and other corrections made on transfer chart.
One aspect that makes flexible reward points (or bank-points) incredibly valuable is that they can be transferred to various airline and hotel programs.
Simply put, this means you can earn bank-points and transfer at a 1:1 ratio to your favorite airline miles or hotel points.
The major bank-point programs include Chase Ultimate Rewards (UR), American Express Membership Rewards (MR), Starwood Preferred Guest (SPG), and more recently Citi ThankYou Rewards. These programs have multiple valuable transfer partners to choose from and having a resource that can be used to quickly look up which points can be transferred to a specific airline seemed useful.
After starting this project before taking off on my current 3-month trip through Southeast Asia I finally found some time to sit down and wrap it up. I’ve created a graphic chart showing the airlines in which you can transfer points from each of the transferrable bank-point programs.
To say the least it was difficult enough to wrangle all the bank-point transfer options onto one chart (not to mention Citi ThankYou recently added transfer partners), but in the end I think it turned out fairly readable.
The airlines are categorized by alliance to help identify which airline partners you can fly on when redeeming miles through a specific airline program.
Below is also a table including the transfer rate, in which most point programs transfer at a 1 to 1 ratio, but I’ve noted where some programs have a different rate and also included how long you should expect it to take to have to have the miles transferred to your account.
How to Use the Transfer Partner Chart
The basis of the chart is to easily look up which bank-points can be transferred to specific airline programs. Earning SPG, Membership Rewards, Ultimate Rewards, and Citi ThankYou points can be incredibly valuable if you know how to maximize their transfer partners. Since these cards also offer some of the most lucrative sign-up offers on the market, taking advantage of them is key to racking up tons of airline miles.
Use this graphic to look up which airlines you can transfer points to and also which partner airlines you will be able to fly on from a specific airline program. Just follow the color coded lines from the center transfer partner logos to find their airline transfer partners. Most of these programs transfer at a rate of 1 to 1, but in the table below I have indicated where the transfer rate is worse or better than the 1 to 1 ratio.
Choosing a airline with the most competitive award chart along with high quality partner airlines is one of the best ways to maximize airline miles. Some questions to ask yourself before you transfer your points are 1) do you want free stopovers or one-ways, and where? 2) do you want to fly on a specific airline or premium cabin? Choosing the right airline program to transfer points into can help you book the award you want with free stopovers, avoid paying high fuel surcharges, and use a competitive award chart to save miles.
For instance, let’s say you want to fly on Thai Airways and also add a stopover to your trip. You can first look up to find that Thai Airways is in Star Alliance, you’ll also find all of the other airlines that are within Star Alliance. United is a Star Alliance partner and using their miles would be a great option to book an award flying on Thai Airway including a free stopover somewhere in Asia.
Outside of the three main alliances many airlines also have independent partner airlines, in which some of the most valuable non-alliance airline partners will with covered within the current Award Space Series.
Amex Membership Rewards Transfer Partners
|Airline Program||Alliance||Transfer Ratio||Transfer Time||Membership Rewards Earning Credit Cards|
|Aeromexico||SkyTeam||1:1||1-14 days||The Platinum Card® from American Express|
|Air Canada||Star Alliance||1:1||Instant||Premier Rewards Gold Card from American Express|
|Alitalia||SkyTeam||1:1||Instant||Amex EveryDay® Credit Card|
|ANA||Star Alliance||1:1||2-4 days||Amex EveryDay® Preferred Credit Card|
|British Airways||OneWorld||1.25:1||Instant||Blue from American Express®|
|Cathay Pacific*||OneWorld||1:1||3-7 days||The Business Platinum Card® from American Express OPEN|
|Delta||SkyTeam||1:1||Instant||The Business Gold Rewards Card from American Express OPEN|
|El Al||N/A||50:1||Instant||The Blue for Business® Credit Card from American Express|
|Emirates||N/A||1:1||Instant||Business Green Rewards Card from American Express OPEN|
|FlyingBlue (Air France/KLM)||SkyTeam||1:1||Instant|
|Singapore Airlines||Star Alliance||1:1||1-3 days|
|Virgin Atlantic||N/A||1:1||1-2 days|
|*AsiaMiles includes 20 airline programs.|
Chase Ultimate Rewards Transfer Partners
|Airline Program||Alliance||Transfer Ratio||Transfer Time|
|FlyingBlue Air France/KLM||SkyTeam||1:1||Instant|
|Korean Air SKYPASS||SkyTeam||1:1||Instant|
|Singapore Airlines||Star Alliance||1:1||Instant|
|Southwest Airlines Rapid Rewards||N/A||1:1||Instant|
|United MileagePlus||Star Alliance||1:1||Instant|
|Virgin Atlantic Flying Club||N/A||1:1||Instant|
Citi ThankYou Rewards Transfer Partners
|Airline||Alliance||Transfer Ratio||Transfer Time|
|Cathay Pacific*||SkyTeam||1:1||24 hours|
|Etihad Airways||N/A||1:1||6 days|
|EVA Air||Star Alliance||1:1||2-6 days|
|FlyingBlue Air France/KLM||SkyTeam||1:1||2 days|
|Garuda Indonesia||SkyTeam||1:1||2 days|
|JetBlue TrueBlue||N/A||1.25:1||2 days|
|Malaysia Airlines||OneWorld||1:1||2-14 days|
|Qantas Airways||OneWorld||1:1||2 days|
|Qatar Airways||OneWorld||1:1||2 days|
|Singapore Airlines||Star Alliance||1:1||2 days|
|Thai Airways||Star Alliance||1:1||4 days|
|Virgin America||N/A||2:1||2 days|
|Virgin Atlantic Airways||N/A||1:1||2 days|
|*AsiaMiles includes 20 airline programs.||N/A|
Starwood Preferred Guest (SPG) Transfer Partners
|Airline||Alliance||Transfer Ratio||Transfer Time||SPG Points Earning Credit Cards|
|Aegean Airlines||Star Alliance||1:1||10 days||Starwood Preferred Guest Credit Card from American Express|
|AeroMexico||SkyTeam||1:1||1-2 days||Starwood Preferred Guest Business Credit Card from American Express|
|Air Berlin||OneWorld||1:1||7 days|
|Air Canada||Star Alliance||1:1||2-5 days|
|Air China Companion||Star Alliance||1:1||Up to 1 day|
|Air New Zealand||Star Alliance||65:1||2 days|
|Alaska Airlines||N/A||1:1||2 days|
|American Airlines||OneWorld||1:1||1-2 days|
|ANA||Star Alliance||1:1||7 days|
|Asia Miles* (Cathay Pacific)||OneWorld||1:1||2 days|
|Asiana Airlines||Star Alliance||1:1||10 days|
|Avianca Airlines||Star Alliance||1:1||1 day|
|British Airways||OneWorld||1:1||4-5 days|
|China Eastern Airlines||SkyTeam||1:1|
|China Southern Airlines||SkyTeam||1:1||3 days|
|Delta SkyMiles||SkyTeam||1:1||1-2 days|
|Emirates Skywards||N/A||1:1||4-7 days|
|Etihad Airways||N/A||1:1||5-7 days|
|FlyingBlue Air France/KLM||SkyTeam||1:1||1 day|
|Hainan Airlines||N/A||1:1||7 days|
|Hawaiian Airlines||N/A||1:1||2 days|
|Japan Airlines (JAL)||OneWorld||1:1||7-21 days|
|Korean Air||SkyTeam||1:1||7 days|
|LATAM Airlines||OneWorld||1:1.5||2 days|
|Lufthansa||Star Alliance||1:1||3-4 days|
|Qatar Airways||OneWorld||1:1||3 weeks|
|Saudi Arabian Airlines||SkyTeam||1:1|
|Singapore Airlines||Star Alliance||1:1||7 days|
|Thai Airways||Star Alliance||1:1||10 days|
|United MileagePlus||Star Alliance||2:1||2 days|
|Virgin Australia||N/A||1:1||1 day|
|*AsiaMiles includes 20 airline programs.|
If you found this useful, check out some of my other miles & points resources:
|Barclaycard Arrival Plus™ World Elite MasterCard®|
|Bonus: 50,000 miles after spending $3,000 in the first 90 days.|
-- 2X points per dollar spent on all purchases.
-- Get 5% of your miles back when you redeem your points, to use on your next redemption.
-- Chip+PIN technology, which can be useful for international travel.
-- Complimentary online FICO® Credit Score
-- No foreign transaction fees.
Annual fee: $89
Quick review: The Arrival Plus card is one of my favorite all-around 2X earning cards. The 50,000 mile sign-up bonus is worth $525 in free travel and easy to redeem!