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Award programs (whether airlines, hotels, or credit cards) are complicated if you’re not in the game. Most programs have tons of rules and restrictions, which can be confusing even for people who look at this stuff every day.
One aspect that can be especially confusing is when and how you can combine and transfer your points. In this article, we’ll walk you through how to combine and transfer flexible points between your own accounts, as well as from your own account to family (e.g., spouse), friends, and authorized users.
There are currently 7 major flexible point programs: American Express Membership Rewards, Bilt Rewards, Brex Rewards, Capital One Miles, Chase Ultimate Rewards, Citi ThankYou Rewards, and Marriott Bonvoy.
When you earn points in each of these programs, you can transfer those points to the loyalty program’s partners.
For example, when you earn Amex Membership Rewards points, you can transfer those points directly to Singapore Airlines’ KrisFlyer to book a Singapore Airlines first class flight.
To highlight a more nuanced example, you can earn Chase Ultimate Rewards points, transfer those points directly to Virgin Atlantic Flying Club, and book an ANA first class flight because Virgin Atlantic and ANA are partners. Make sense?
In this article, we will focus on transferring points to airline and hotel partners. We will also cover the rules for each program, as each major flexible point program treats combining and transferring points from your account differently.
Each program will be broken up into 2 parts: combining points and transferring points.
American Express Membership Rewards is a popular flexible point program for 2 reasons:
Some of the best ways to receive the most value with your Amex points involve transfers to:
Amex does a nice job offering its customers plenty of opportunities to earn points when spending money on its Membership Rewards cards. What you may not know is that you can also transfer Amex points across accounts!
The Membership Rewards program has a few rules that are important to know before transferring or combining your points. As you’ll see in this article, all of the flexible point programs have different rules.
If you are combining Amex points, you can combine points across your accounts. You are not allowed to pool or combine points earned by another person with Membership Rewards points.
For example, if you earn Amex points with The Platinum Card® from American Express and The Business Platinum Card® from American Express, you can combine your points into 1 account.
If you are transferring Amex points, you can only transfer points to a frequent traveler account in your name. You are not allowed to transfer Membership Rewards points to another person’s frequent traveler account, except for authorized users (personal cards) or employees (business cards) that have been listed on the account for at least 90 days.
For example, you can transfer Amex points to your Etihad account, but you can’t transfer points to your spouse’s Etihad account unless your spouse is an authorized user and has been for at least 90 days.
It’s also worth noting that Amex requires you to transfer a minimum number of points when transferring to the Amex travel partners, which are outlined in the table below:
| Amex Airline Transfer Partner | Min Transfer | Transfer Ratio (Amex > Partner) | Transfer Time |
|---|---|---|---|
| Aer Lingus | 1,000 | 1:1 | Almost Instant |
| AeroMexico | 1,000 | 1:1.6 | 2-12 days |
| Air Canada | 1,000 | 1:1 | Almost Instant |
| ANA | 1,000 | 1:1 | 3 days |
| Avianca LifeMiles | 1,000 | 1:1 | Almost instant |
| British Airways | 1,000 | 1:1 | Almost Instant |
| Cathay Pacific | 1,000 | 1:1 | Up to 1 Week |
| Delta Air Lines | 1,000 | 1:1 | Almost Instant |
| Emirates | 1,000 | 1:1 | Almost Instant |
| Etihad Airways | 1,000 | 1:1 | Almost Instant |
| Flying Blue Air France/KLM | 1,000 | 1:1 | Almost Instant |
| Hawaiian | 1,000 | 1:1 | Almost Instant |
| Iberia | 1,000 | 1:1 | 1-3 days |
| JetBlue | 250 | 1:0.8 | Almost Instant |
| Qantas | 500 | 1:1 | Almost Instant |
| Singapore Airlines | 1,000 | 1:1 | 1-2 days |
| Virgin Atlantic | 1,000 | 1:1 | 1-2 days |
| Amex Hotel Transfer Partner | Min Transfer | Transfer Ratio (Amex > Partner) | Transfer Time |
|---|---|---|---|
| Choice Privileges | 1,000 | 1:1 | Almost Instant |
| Hilton Honors | 1,000 | 1:2 | Almost Instant |
| Marriott Bonvoy | 1,000 | 1:1 | Almost Instant |
American Express has a nice lineup of both personal and business credit cards that earn Membership Rewards points.
Terms Apply / Rates & FeesThis card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Terms Apply / Rates & FeesThis is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
The American Express® Gold Card is definitely a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.
If you’re a business owner, several Amex business cards will earn Membership Rewards points.
Hot Tip: To keep your points, you need to make sure at least 1 Membership Rewards account is open and in good standing. If you cancel or if your primary Membership Rewards account is canceled, you will lose your Amex points; they can’t be reinstated.
Bilt Rewards has one of the most unique transfer partner lists out there; it has not 1, but 2 U.S. frequent flyer programs (United MileagePlus and American Airlines AAdvantage), plus the most valuable hotel points out there (World of Hyatt).
Some of the most attractive ways to use Bilt Rewards points:
However, there aren’t as many ways to earn Bilt points through credit cards as there are with Amex or Capital One.
Bilt points transfers are required to be done in 2,000-point increments with a minimum of 2,000 points per transfer.
At the moment, Bilt does not allow you to combine points with different accounts, so your Bilt points can only be transferred to loyalty program accounts that are in your name.
| Bilt Transfer Partner | Minimum Point Transfer | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Aer Lingus AerClub | 2,000 | 1:1 | TBD |
| Air Canada Aeroplan | 2,000 | 1:1 | Almost Instantly |
| Air France-KLM Flying Blue | 2,000 | 1:1 | Almost Instantly |
| American Airlines AAdvantage | 2,000 | 1:1 | Up to 24 hours |
| British Airways Executive Club | 2,000 | 1:1 | Almost Instantly |
| Cathay Pacific Asia Miles | 2,000 | 1:1 | Almost Instantly |
| Emirates Skywards | 2,000 | 1:1 | Almost Instantly |
| Hawaiian Airlines HawaiianMiles | 2,000 | 1:1 | Almost Instantly |
| Iberia Plus | 2,000 | 1:1 | TBD |
| Turkish Airlines Miles & Smiles | 2,000 | 1:1 | Almost Instantly |
| United MileagePlus | 2,000 | 1:1 | Almost Instantly |
| Virgin Atlantic Flying Club | 2,000 | 1:1 | Almost Instantly |
| IHG One Rewards | 2,000 | 1:1 | Almost Instantly |
| World of Hyatt | 2,000 | 1:1 | Almost Instantly |
Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard® Credit Card, designed specifically to help renters earn rewards on their rent payments with no fees.
Of course, aside from rewards on rent, there are many other solid benefits that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt card has to offer to help you decide whether the card makes sense for you.
Hot Tip: There are separate rules for pooling points and miles from hotel and airline accounts.
Brex Rewards has several useful transfer partners, especially if your appetite is luxury award travel. All of its transfer partners maintain a 1.67:1 ratio, and most transfers are instant (though some take up to 1 business day).
You can use Brex points in a handful of great ways:
Hot Tip: Brex points used to transfer to partners at a 1:1 ratio, but that changed in March 2023. Now you’ll need to transfer 1,670 Brex points to get 1,000 airline miles.
Currently, you must transfer at least 1,000 points in a single transaction; but the good news with Brex transfers is that there are no minimum transfer increments — you can transfer exact numbers of points, like 19,248 instead of 19,000 points.
You can’t transfer Brex points to other Brex accounts; however, you can transfer points to frequent flyer programs under your employees’ names, in addition to programs under your own name.
| Brex Airline Transfer Partner | Minimum Points Transfer | Transfer Ratio (Brex > Partner) | Transfer Time |
|---|---|---|---|
| AeroMexico | 1,670 | 1,670:1,000 | Up to 1 business day |
| Avianca LifeMiles | 1,670 | 1,670:1,000 | Up to 1 business day |
| Cathay Pacific | 1,670 | 1,670:1,000 | Up to 1 business day |
| Emirates | 1,670 | 1,670:1,000 | Up to 1 business day |
| Flying Blue Air France-KLM | 1,670 | 1,670:1,000 | Up to 1 business day |
| Qantas | 1,670 | 1,670:1,000 | Up to 1 business day |
| Singapore Airlines | 1,670 | 1,670:1,000 | Up to 1 business day |
Brex offers a variety of corporate charge card products that enable you to earn Brex Rewards points.
While the Capital One Miles program is not nearly as popular as many of the other programs on this list, it can still provide exceptional value to those who use Capital One cards.
Capital One offers plenty of excellent ways to get top value out of its miles, including transfers to:
Luckily for Capital One cardholders, Capital One does not provide any limits to who you can or cannot transfer miles to. So whether it’s members of your household or friends and family that live elsewhere, you can all still pool your Capital One Miles together. Better yet, there are no caps on the number of miles you can transfer either.
To transfer your Capital One miles to someone else’s Capital One credit card account, just call the number on the back of your card to make this happen.
Similarly, if you have multiple Capital One credit cards that earn Capital One miles, like the Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business, you can transfer the miles earned from either card to the other to pool together enough points for a redemption.
When you’re ready to redeem, Capital One has a great list of transfer partners, most of which you can transfer your Capital One miles to at a 2:1, 2:1.5, or 1:1 rate.
| Capital One Transfer Partner | Minimum Transfer | Transfer Ratio (CapOne > Partner) | Transfer Time |
|---|---|---|---|
| ALL - Accor Live Limitless | 1,000 | 2:1 | Up to 36 hours |
| Aeromexico Club Premier | 1,000 | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1,000 | 1:1 | Almost Instant |
| Avianca LifeMiles | 1,000 | 1:1 | Almost Instant |
| British Airways Avios | 1,000 | 1:1 | Almost Instant |
| Cathay Pacific Asia Miles | 1,000 | 1:1 | Up to 36 hours |
| Choice Privileges | 1,000 | 1:1 | Up to 24 hours |
| Emirates Skywards | 1,000 | 1:1 | Almost Instant |
| Etihad Guest | 1,000 | 1:1 | Up to 36 hours |
| EVA Infinity MileageLands | 1,000 | 2:1.5 | Up to 36 hours |
| Finnair Plus | 1,000 | 1:1 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1,000 | 1:1 | Almost Instant |
| Qantas Frequent Flyer | 1,000 | 1:1 | Up to 36 hours |
| Singapore Airlines KrisFlyer | 1,000 | 1:1 | Up to 36 hours |
| TAP Air Portugal Miles&Go | 1,000 | 1:1 | Almost Instant |
| Turkish Airlines Miles&Smiles | 1,000 | 1:1 | Up to 24 hours |
| Virgin Red | 1,000 | 1:1 | Unknown |
| Wyndham Rewards | 1,000 | 1:1 | Instant |
Fortunately, Capital One offers plenty of great credit cards to help you rack up Capital One miles.
Terms Apply / Rates & FeesThe Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Terms Apply / Rates & FeesGet 2x miles plus some of the most flexible redemptions offered by a travel credit card!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
Terms Apply / Rates & FeesThe card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card, the no-annual-fee version of the more popular Capital One Venture Rewards Credit Card.
In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.
But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?
If you’re a business owner, consider our guide to the best Capital One business credit cards for miles and cash-back.
Bottom Line: Capital One isn’t nearly as restrictive as many of the other credit issuers when it comes to transferring your miles between other Capital One credit cardholders.
Chase Ultimate Rewards is another popular flexible point program with a respectable lineup of travel partners that can be leveraged for value.
Chase offers several great ways to maximize its points, including transfers to:
Chase continues to innovate and offer customers an array of personal and business credit cards. Whatever your spending habits are, the best Chase credit cards allow you to earn points that can access many high-value redemptions.
Before you move your Chase Ultimate Rewards points, the program has a few rules that are important to cover.
If you are combining Chase points, you can combine points with another Chase Ultimate Rewards account that belongs to you, your spouse/domestic partner, or a joint business owner.
If you are transferring Chase points to a frequent traveler account, you can only transfer points to an account that belongs to you or your spouse/domestic partner, provided the spouse or domestic partner is an authorized user living at the same address.
Hot Tip: Chase Ultimate Rewards cardholders can only make transfers to 1 authorized user on their account.
For example, you can transfer your Chase points to your spouse’s Ultimate Rewards account if your spouse is an authorized user on your account and you both live at the same address.
If you are transferring Chase points from a business account to a frequent traveler account, you can transfer points to frequent traveler accounts of business owners of the company who are also authorized users on the Ultimate Rewards business card.
For example, you can transfer your Chase points to your business partner’s United Airlines account if your business partner is an authorized user on your Ultimate Rewards business account.
Chase has the same minimum point transfer amounts for all of its Chase transfer partners, which are shown in the tables below:
Chase Transfer Partners (Airline)
| Chase Airline Transfer Partner | Min Transfer | Transfer Ratio (Chase > Airline) | Transfer Time |
|---|---|---|---|
| Aer Lingus AerClub | 1,000 | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1,000 | 1:1 | Almost Instant |
| Air France-KLM Flying Blue | 1,000 | 1:1 | 1 hour |
| British Airways Executive Club | 1,000 | 1:1 | Almost Instant |
| Emirates Skywards | 1,000 | 1:1 | Almost instant |
| Iberia Plus | 1,000 | 1:1 | Almost Instant |
| JetBlue | 1,000 | 1:1 | Almost Instant |
| Singapore Airlines KrisFlyer | 1,000 | 1:1 | 1-2 days |
| Southwest Airlines Rapid Rewards | 1,000 | 1:1 | Almost Instant |
| United Airlines MileagePlus | 1,000 | 1:1 | Almost Instant |
| Virgin Atlantic Flying Club | 1,000 | 1:1 | Almost Instant |
Chase Transfer Partners (Hotel)
| Chase Hotel Transfer Partner | Min Transfer | Transfer Ratio | Transfer Time |
|---|---|---|---|
| IHG One Rewards | 1,000 | 1:1 | 1 day |
| Marriott Bonvoy | 1,000 | 1:1 | 2 days |
| World of Hyatt | 1,000 | 1:1 | Almost Instant |
Chase makes it easy to earn plenty of Ultimate Rewards points from its array of personal and business credit cards.
Recommended Chase Cards (Personal)
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Business owner? See our list of the best Chase business credit cards.
Bottom Line: Chase is less restrictive than Amex when combining points across Ultimate Rewards accounts, but still makes it challenging to transfer Chase points to another person’s frequent flyer account.
Citi’s flexible point program, ThankYou Rewards, does not receive as much attention as Amex and Chase. But that doesn’t mean the program can’t provide you and your family serious value!
A few of the best ways to use ThankYou Points include transfers to:
When you decide to transfer your ThankYou Points, there are a few important rules to keep in mind.
If you are combining your ThankYou Points, Citi offers the most generous policy of the flexible point programs. The ThankYou program allows you to combine your points with any other Citi ThankYou member.
After the points are transferred, the new points holder will have 90 days before the points expire. You can share and receive up to 100,000 ThankYou Points in a calendar year.
For example, let’s say you and a friend want to take a trip together. You can transfer your points directly to your friend’s ThankYou Rewards account, who can then use those points to book a flight.
The ThankYou program does not allow you to transfer ThankYou Points to another person’s frequent airline traveler account.
Citi, like Chase, has the same minimum point transfer amounts for all of its transfer partners, which are shown in the table below:
Citi Transfer Partners
| Citi Transfer Partner | Min Transfer | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Aeromexico Club Premier | 1,000 | 1:1 | Almost Instantly |
| Air France / KLM Flying Blue | 1,000 | 1:1 | Almost Instantly |
| ALL - Accor Live Limitless | 1,000 | 2:1 | Almost Instantly |
| Avianca Airlines Lifemiles | 1,000 | 1:1 | Almost Instantly |
| Cathay Pacific | 1,000 | 1:1 | Almost Instantly |
| Choice Privileges | 1,000 | 1:2 | Almost Instantly |
| Emirates Skywards | 1,000 | 1:1 | Almost Instantly |
| Etihad Airways | 1,000 | 1:1 | Almost Instantly |
| EVA Air | 1,000 | 1:1 | 2 Days |
| JetBlue Airways | 1,000 | 1:1 | Almost Instantly |
| Qantas Airways | 1,000 | 1:1 | Almost Instantly |
| Qatar Airways | 1,000 | 1:1 | 2 Days |
| Singapore Airlines | 1,000 | 1:1 | 2 Days |
| Thai Airways | 1,000 | 1:1 | 4 Days |
| Turkish Airlines | 1,000 | 1:1 | Almost Instantly |
| Virgin Atlantic | 1,000 | 1:1 | Almost Instantly |
| Wyndham Rewards | 1,000 | 1:1 | Within 24 Hours |
While Citi doesn’t have as deep of a bench of credit cards as Amex and Chase, it does regularly offer high sign-up bonuses on its ThankYou Rewards-earning credit cards.
Recommended Citi Cards (Personal)
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!
This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
The Citi® Double Cash Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
The Citi Custom Cash® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.
Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.
For business owners interested in cash-back and rewards, check out our guide to the best Citi business credit cards.
Bottom Line: The Citi ThankYou Rewards program is ideal if you are looking to transfer points to anyone, including your spouse, a family member, or a friend. For more information, check out our FAQs about Citi ThankYou Points.
Marriott Bonvoy has the most expansive list of airline transfer partners with nearly 40.
This is great news when you also consider the fact that Marriott offers a 5,000-mile bonus for every 60,000 points you transfer to many airline partners (excluding American, Avianca, Delta, and Korean Air).
Some of the best ways to use Marriott Bonvoy points include transfers to:
Make sure you maximize your earnings, as Marriott Bonvoy offers several ways to earn points from its credit cards to stays at its portfolio of hotels across the world.
When you decide to move your Marriott Bonvoy points, the rules are straightforward.
If you are combining Marriott Bonvoy points between accounts, you can transfer up to 100,000 points in a calendar year to another Marriott member whose account has been open for at least 60 days. This is valid whether you are sending or receiving the points.
Separately, a new Marriott member may receive points after 30 days if the member has had qualifying activity on his or her account. The catch with transferring points is that you must contact Member Support to initiate the transfer.
For example, let’s say you and your spouse want to book flights for a trip, but your spouse doesn’t have enough points. You can combine the points in your account with the points in your spouse’s account. From there, you can transfer the points to the program of your choice to book your flights.
You are not allowed to transfer Marriott Bonvoy points to a frequent flyer account that is not your own. Instead, transfer your Marriott Bonvoy points to another Marriott Bonvoy member’s account; then that member can book a flight with the points in their account.
Marriott Bonvoy sets a minimum of 3,000 and a maximum of 240,000 points that can be transferred per day.
| Marriott Bonvoy Transfer Partner | Minimum Points Transfer | Transfer Ratio (Marriott Bonvoy > Partner) | Bonus Airline Miles for Every 60K Marriott Bonvoy Points Transferred | Transfer Time |
|---|---|---|---|---|
| Aegean Airlines Miles+Bonus | 3,000 | 3:1 | 5,000 | 3 days |
| Aer Lingus Aeroclub | 3,000 | 3:1 | 5,000 | unknown |
| AeroMexico Club Premier | 3,000 | 3:1 | 5,000 | 4 days |
| Air Canada Aeroplan | 3,000 | 3:1 | 5,000 | 5 days |
| Air France/KLM Flying Blue | 3,000 | 3:1 | 5,000 | 3 day |
| Air New Zealand Airpoints | 3,000 | 200:1 | 25 | 1 day |
| Alaska Airlines Mileage Plan | 3,000 | 3:1 | 5,000 | 4 days |
| American Airlines AAdvantage | 3,000 | 3:1 | N/A | 2 days |
| ANA Mileage Club | 3,000 | 3:1 | 5,000 | 4 days |
| Asiana Airlines Asiana Club | 3,000 | 3:1 | 5,000 | 4 days |
| Avianca Airlines LifeMiles | 3,000 | 3:1 | N/A | 1 day |
| British Airways Executive Club | 3,000 | 3:1 | 5,000 | 3 days |
| Cathay Pacific Asia Miles | 3,000 | 3:1 | 5,000 | 5 days |
| Copa Airlines ConnectMiles | 3,000 | 3:1 | 5,000 | 3 days |
| Delta Air Lines SkyMiles | 3,000 | 3:1 | N/A | 1 day |
| Emirates Skywards | 3,000 | 3:1 | 5,000 | 3 days |
| Etihad Guest | 3,000 | 3:1 | 5,000 | 3 days |
| FRONTIER Miles | 3,000 | 3:1 | 5,000 | unknown |
| Hainan Airlines Fortune Wings Club | 3,000 | 3:1 | 5,000 | 8 days |
| Hawaiian Airlines HawaiianMiles | 3,000 | 3:1 | 5,000 | 1 day |
| Iberia Plus | 3,000 | 3:1 | 5,000 | 1 day |
| InterMiles | 3,000 | 3:1 | 5,000 | unknown |
| Japan Airlines JAL Mileage Bank | 3,000 | 3:1 | 5,000 | 2 days |
| Korean Air SKYPASS | 3,000 | 3:1 | N/A | 2 days |
| LATAM Pass | 3,000 | 3:1 | 5,000 | 2 days |
| Multiplus Fidelidade LATAM Pass | 3,000 | 3:1 | 5,000 | unknown |
| Qantas Frequent Flyer | 3,000 | 3:1 | 5,000 | 2 days |
| Qatar Airways Privilege Club | 3,000 | 3:1 | 5,000 | 3 days |
| Saudi Arabian Airlines Alfursan | 3,000 | 3:1 | 5,000 | unknown |
| Singapore Airlines KrisFlyer | 3,000 | 3:1 | 5,000 | 2 days |
| Southwest Airlines Rapid Rewards | 3,000 | 3:1 | 5,000 | 1 day |
| TAP Air Portugal Miles&Go | 3,000 | 3:1 | 5,000 | unknown |
| Thai Airways Royal Orchid Plus | 3,000 | 3:1 | 5,000 | 4 days |
| Turkish Airlines Miles&Smiles | 3,000 | 3:1 | 5,000 | unknown |
| United MileagePlus | 3,000 | 3:1.1 | 10,000 | 3 days |
| Virgin Atlantic Flying Club | 3,000 | 3:1 | 5,000 | 2 days |
| Virgin Australia Velocity Frequent Flyer | 3,000 | 3:1 | 5,000 | 1 day |
| Vueling Club | 3,000 | 3:1 | 5,000 | unknown |
There are currently several Marriott Bonvoy personal and business credit cards, typically with generous sign-up bonuses too.
Recommended Marriott Bonvoy Cards
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.
The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.
Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.
Terms Apply / Rates & FeesThe Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.
The Marriott Bonvoy Bevy™ American Express® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.
Terms Apply / Rates & FeesA premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.
So is the card a worthwhile addition to your wallet?
The Marriott Bonvoy Business® American Express® Card is also available to business owners.
Hot Tip: Did you know you can also transfer World of Hyatt points to airline partners? Most transfers are at a 5:2 ratio and transfers can take 6 to 8 weeks, so it’s not a great way to use your points.
With the constant shuffling of airline partners, award redemption rates, and credit card restrictions, a valuable strategy is to earn points in a flexible points program instead of a specific airline frequent flyer program. That way when 1 partner leaves or the inevitable award chart devaluation occurs, you will have hedged your bets by not being stuck holding only 1 currency.
Whether you are earning points by yourself, with a spouse/significant other, or you have the entire family involved, it’s important to know how to move your points around to help with booking your next redemption.
The information regarding the Bilt World Elite Mastercard® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
You can combine points across your Membership Rewards accounts, but you are not allowed to pool or combine Membership Rewards points earned by another person.
You can only transfer points to a frequent traveler account in your name or a frequent traveler account in an authorized user’s or employee’s name (as long as they’ve been on your account for at least 90 days).
You can combine points with another Chase Ultimate Rewards account that belongs to you, your spouse or domestic partner, or your joint business owner.
You can only transfer points to an account that belongs to you or your spouse/domestic partner, provided the spouse or domestic partner is an authorized user on the Ultimate Rewards account living at the same address. You can only make transfers to 1 authorized user on your account.
If you are transferring Chase points from a business account to a frequent traveler account, you can transfer points to frequent traveler accounts of business owners of the company who are also authorized users on the business card account.
You can combine your points with any other Citi ThankYou member. After the points are transferred, the new points holder will have 90 days before the points expire. You can share and receive up to 100,000 ThankYou Points in a calendar year.
You are not allowed to transfer your Citi ThankYou Rewards points to a frequent traveler account that is not in your name.
You can transfer up to 100,000 points in a calendar year to another Marriott Bonvoy member whose account has been open at least 60 days. This is valid whether you are sending or receiving the points.
Separately, a new member may receive points after 30 days if the member has had qualifying activity in their account.
You must contact Member Support to transfer your points.
You can are not allowed to transfer Marriott Bonvoy points to a frequent traveler account that is not in your name. Instead, transfer your Marriott Bonvoy points to the other Marriott Bonvoy member’s account who can then transfer those points to their frequent traveler account.
Yes, Capital One allows you to transfer points to any other person who holds a Capital One miles-earning card, with no limits on the number of points you can transfer.
Yes, Capital One does not place any limits on who you can transfer your Capital One miles to.
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Born and raised in Mobile, Alabama, Michael took his first international trip in 2013 with friends to the Bahamas. Although he didn’t travel much in his younger years, on that trip, he caught the travel bug and has been hooked ever since.
Michael first caught wind of the points and miles game in 2014 while at a bar in Washington, DC where the conversation amongst friends was quickly derailed because of an alert on a friend’s phone about a mistake fare. That’s where the love affair with points and miles began.
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10 comments
ktc
February 18, 2019
For Thankyou points, can I transfer to my wife’s account, then have her transfer those points to airlines instead of booking flights using points?
Alex Miller
February 20, 2019
Hey,
Yes, you can transfer your Citi ThankYou points to your wife’s account and then she can transfer those points to any of Citi’s transfer partners.
Ramzi
March 04, 2019
It looks like Chase changed their policy for transferring UR points on business accounts. I called in to transfer points to Southwest to my wife’s southwest account. She has an employee card and has had one for years. They informed me they need tax documents that she’s a ‘partial owner’ and that this new policy took effect on Jan 2019.
Michael McHugh
March 07, 2019
Hi Ramzi
Thanks for letting us know. We appreciate it.
AmodelT
April 30, 2019
Does anyone have any info on whether chase UR points can be transferred to a *spouse’s* frequent flier account? We’re in the situation where only one of us has a chase card capable of transfer to airlines (so a transfer from Chase UR to spouse’s Chase UR won’t help), and the other has almost enough points in their United bank to book flights.
Katie Seemann
May 01, 2019
Hi AmodelT,
Unfortunately, you can’t transfer Chase Ultimate Rewards points to a spouse’s frequent flier account. If you have enough Chase points, you could book the tickets separately — transfer your Chase points to your United account to book one ticket and then book the other ticket from the United account that already has points in it. Good Luck!
fred
June 30, 2019
What is a strategic way to combine points from both AmEx and Chase cards?
Jarrod West
July 01, 2019
Hi Fred,
It is not possible to combine American Express Membership Reward points and Chase Ultimate Reward points together. However, you could transfer points from both programs to an airline partner that they both share, like British Airways or Singapore Airlines for example.
Harry M Lothridge
June 24, 2020
You are not allowed to transfer Membership Rewards points to another person’s frequent traveler account.
Your comment above is I think for personal cards. Seems the business gold AMEX allows transfers to any authorized user account. Of course the business (account) owner has to grant access. Or this is my understanding…correct?
Jarrod West
June 25, 2020
Hi Harry,
Yes, you’re correct. If someone is an authorized user on your account then you can transfer points to their frequent flier account. Although this applies to both business and personal cards.
Thanks for reading!
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