Update 01/15/2017: 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.

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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 transferable 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.


Link: Bank-Point Airline Transfer Partner Master Chart


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 that can also be a great way to book award flights.

Amex Membership Rewards Transfer Partners

Airline ProgramAllianceTransfer RatioTransfer Time
AeromexicoSkyTeam1:11-14 days
Air CanadaStar Alliance1:1Instant
ANAStar Alliance1:12-4 days
British AirwaysOneWorld1.25:1Instant
Cathay Pacific*OneWorld1:13-7 days
El AlN/A50:1Instant
Etihad AirwaysN/A1:1Instant
FlyingBlue (Air France/KLM)SkyTeam1:1Instant
Hawaiian AirlinesN/A1:1Instant
IberiaOneWorld1.25:11-7 days
JetBlue TrueBlueN/A1.25:1Instant
Singapore AirlinesStar Alliance1:11-3 days
Virgin AmericaN/A2:1Instant
Virgin AtlanticN/A1:11-2 days
*AsiaMiles includes 20 airline programs.

Chase Ultimate Rewards Transfer Partners

Airline ProgramAllianceTransfer RatioTransfer Time
British AirwaysOneWorld1:1Instant
FlyingBlue Air France/KLMSkyTeam1:1Instant
Korean Air SKYPASSSkyTeam1:1Instant
Singapore AirlinesStar Alliance1:1Instant
Southwest Airlines Rapid RewardsN/A1:1Instant
United MileagePlusStar Alliance1:1Instant
Virgin Atlantic Flying ClubN/A1:1Instant

Citi ThankYou Rewards Transfer Partners

AirlineAllianceTransfer RatioTransfer Time
Cathay Pacific*SkyTeam1:124 hours
Etihad AirwaysN/A1:16 days
EVA AirStar Alliance1:12-6 days
FlyingBlue Air France/KLMSkyTeam1:12 days
Garuda IndonesiaSkyTeam1:12 days
JetBlue TrueBlueN/A1.25:12 days
Malaysia AirlinesOneWorld1:12-14 days
Qantas AirwaysOneWorld1:12 days
Qatar AirwaysOneWorld1:12 days
Singapore AirlinesStar Alliance1:12 days
Thai AirwaysStar Alliance1:14 days
Virgin AmericaN/A2:12 days
Virgin Atlantic AirwaysN/A1:12 days
*AsiaMiles includes 20 airline programs.N/A

Starwood Preferred Guest (SPG) Transfer Partners

AirlineAllianceTransfer RatioTransfer Time
Aegean AirlinesStar Alliance1:110 days
AeroMexicoSkyTeam1:11-2 days
Air BerlinOneWorld1:17 days
Air CanadaStar Alliance1:12-5 days
Air China CompanionStar Alliance1:1Up to 1 day
Air New ZealandStar Alliance65:12 days
Alaska AirlinesN/A1:12 days
American AirlinesOneWorld1:11-2 days
ANAStar Alliance1:17 days
Asia Miles* (Cathay Pacific)OneWorld1:12 days
Asiana AirlinesStar Alliance1:110 days
Avianca AirlinesStar Alliance1:11 day
British AirwaysOneWorld1:14-5 days
China Eastern AirlinesSkyTeam1:1
China Southern AirlinesSkyTeam1:13 days
Delta SkyMilesSkyTeam1:11-2 days
Emirates SkywardsN/A1:14-7 days
Etihad AirwaysN/A1:15-7 days
FlyingBlue Air France/KLMSkyTeam1:11 day
Gol SmilesN/A2:1
Hainan AirlinesN/A1:17 days
Hawaiian AirlinesN/A1:12 days
Japan Airlines (JAL)OneWorld1:17-21 days
Jet AirwaysN/A1:1
Korean AirSkyTeam1:17 days
LATAM AirlinesOneWorld1:1.52 days
LufthansaStar Alliance1:13-4 days
Qatar AirwaysOneWorld1:13 weeks
Saudi Arabian AirlinesSkyTeam1:1
Singapore AirlinesStar Alliance1:17 days
Thai AirwaysStar Alliance1:110 days
United MileagePlusStar Alliance2:12 days
Virgin AtlanticN/A1:1
Virgin AustraliaN/A1:11 day
*AsiaMiles includes 20 airline programs.

About the author

Rand Shoaf

Introduced to traveling at a young age, Rand has since traveled to over 45 countries. Learning how to maximize credit card sign-up bonuses in college has allowed him to earn millions of travel miles and points. Using the same tips and tricks he writes about here has ultimately allowed him to explore the word for pennies on the dollar.


  • Love this chart. I hope you plan on keeping current.
    I will refer lots of folks to look at this

    I don’t know if you have any way of integrating or including two other programs I see with potential for transfers or usage.
    Marriott transfers to a bunch of airlines not identical to SPG. With the merger, maybe you might wait and see.
    Also, as a footnote, I’d mention Alaska airlines. Obviously they do not transfer as these programs do, but another angle perhaps to suggest.
    Very interesting assortment of international airlines they partner with.

    thanks again.

  • How about I want to move my Amex Points over to United Air Lines … there’s no direct way, I know, but can I do it via Starwoord, for example, and what would I get in the end ?

    • Tim, sorry about that error on my part as United is not an Amex MR transfer partner, it’s updated now.

  • This is great! Thanks for following up to my original comment and creating this very useful chart! These charts/graphs help separate this blog above the rest.

    • jack, thanks for catching that and I’ll update asap! At least I got it right on the graphic, that takes a bit more time to correct 🙂

    • jack, thanks for catching that and the heads up, I’ll update it asap! After looking at it again, I have Cathay Pacific as a duplicate under both Oneworld and non-alliance.