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.
How To Transfer Flexible Points From Your Account
There are currently 5 major flexible point programs: American Express Membership 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
American Express Membership Rewards is a popular flexible point program for 2 reasons:
- It offers a useful lineup of airline partners to redeem your points with.
- Amex regularly offers transfer bonuses to some of its airline partners.
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!
Amex Transfer Rules
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.
For example, you can transfer Amex points to your Etihad account, but you can’t transfer points to your spouse’s Etihad account.
It’s also worth noting that Amex requires you to transfer a minimum number of points when transferring to its travel partners, which are outlined in the table below:
Amex Transfer Partners (Airlines)
|Amex Airline Transfer Partner||Min Transfer||Transfer Ratio|
(Amex > Partner)
|Air Canada||1,000||1:1||Almost Instant|
|Aer Lingus||1,000||1:1||Almost Instant|
|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|
|Etihad Airways||1,000||1:1||Almost Instant|
|Flying Blue Air France/KLM||1,000||1:1||Almost Instant|
|Singapore Airlines||1,000||1:1||1-2 days|
|Virgin Atlantic||1,000||1:1||1-2 days|
Amex Transfer Partners (Hotels)
American Express has a nice lineup of both personal and business credit cards that earn Membership Rewards points.
Recommended Amex Cards (Personal)
|The Platinum Card® from American Express - There's currently a new welcome bonus offer of |60,000 100,000 Membership Rewards Points after spending $6,000 on purchases in your first 6 months of Card Membership. Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
This is our #1 card for accessing 1,300+ airport lounges worldwide, including Priority Pass (enrollment required). We leverage ~$4,900+ in benefits and perks from the card every year. Terms Apply. For rates and fees of the Amex Platinum card, click here.
|American Express® Gold Card - This card has a welcome bonus of 60,000 Membership Rewards points after spending $4,000 on purchases in your first 6 months of Card Membership. |
We love using this card as it earns 4x Membership Rewards Points at restaurants, including takeout and delivery, and earns 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x).
With an annual fee of $250, there's no better card in our opinion if you eat out and/or shop at supermarkets regularly; and you'll have access to many benefits and perks. Terms apply and for rates and fees of the Amex Gold card, click here.
If you’re a business owner, there are several Amex business cards that will earn Membership Rewards points.
Hot Tip: In order 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.
Capital One Miles
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:
Capital One Transfer Rules
Lucikly 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 own household or friends and family that live elsewhere, you can all still pool your Capital One Miles together. Better yet, there are no caps to the number of miles you can transfer either.
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 2:1.5 or 1:1 rate.
Capital One Transfer Partners
|Capital One Transfer Partner||Min Transfer||Transfer Ratio (Cap One > Airline/Hotel)||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|
Fortunately, Capital One offers plenty of great credit cards to help you rack up Capital One miles.
Recommended Capital One Cards (Personal)
|Capital One Venture X Rewards Credit Card - The newest card in the Capital One lineup with a welcome offer of 100,000 bonus miles after spending $10,000 on purchases within the first 6 months from account opening. Not only does the card come with up to $300 in statement credits when booking through Capital One Travel, you'll also get get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. |
Earn unlimited 10x miles on hotels and rental cars booked through Capital One Travel and 5x miles on flights booked through Capital One Travel, plus unlimited 2x miles on all other purchases.
|Capital One Venture Rewards Credit Card - This card is packed with lots of benefits and perks. Earn 60,000 mile welcome bonus once you spend $3,000 on purchases within 3 months from account opening. We recommend this as a no-brainer card if you even semi-regularly stay at hotels since this card earns unlimited 2x miles on every purchase.|
|Capital One VentureOne Rewards Credit Card - This is an excellent card for those looking to earn 1.25x miles per $1 on every purchase. With a 20,000 mile welcome bonus (worth $200 toward travel) after spending $500 within the first 3 months and no annual fee, it's a strong choice.|
Recommended Capital One Cards (Business)
|Capital One Spark Miles Select for Business - This no annual fee card earns unlimited 1.5x miles per dollar on every purchase and has a 20,000 mile sign up bonus [worth $200 in travel] after meeting the minimum spend of $3,000 within the first 3 months. Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that.|
|Capital One Spark Miles for Business - This card earns unlimited 2x miles per dollar on every purchase, everywhere, and has a one-time bonus of 50,000 miles [worth $500 in travel] after spending $4,500 on purchases within the first 3 months. Plus, earn 5x miles on hotel and rental card bookings through Capital OneSM using a Spark Miles card. Annual Feel: $0 intro for the first year, $95 after that.|
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
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:
- British Airways Executive Club and Iberia Plus to fly American Airlines
- Air France/KLM Flying Blue to fly Delta
- Singapore Airlines KrisFlyer and United Airlines Mileage Plus to fly Lufthansa
- World of Hyatt for high-value hotel stays
Chase continues to innovate and offer customers an array of personal and business credit cards. Whatever your spending habits are, Chase has Ultimate Rewards credit cards that earn points that allow you to access many high-value redemptions.
Chase Transfer Rules
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 partners, which are shown in the tables below:
Chase Transfer Partners (Airline)
|Chase Airline Transfer Partner||Min Transfer||Transfer Ratio|
(Chase > Airline)
|Aer Lingus AerClub||1,000||1:1||Almost Instant|
|Air Canada Aeroplan||1,000||1:1||Almost Instant|
|British Airways Executive Club||1,000||1:1||Almost Instant|
|Flying Blue AIR FRANCE KLM||1,000||1:1||1 hour|
|Emirates Skywards||1,000||1:1||Almost instant|
|Iberia Plus||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 makes it easy to earn plenty of Ultimate Rewards points from its array of personal and business credit cards.
Recommended Chase Cards (Personal)
|Chase Sapphire Preferred® Card - This is our favorite beginners travel rewards card, which is currently offering a 60,000 point bonus after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.|
The card earns 5x points on travel purchased through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases, plus more. Enjoy a $50 annual Ultimate Rewards Hotel Credit, and other travel benefits such as excellent travel insurance coverage, including car rental insurance and no foreign transaction fees, this card is a very rewarding card.
|Chase Sapphire Reserve® - This premium card will get you access to 1,300+ airport lounges. as well as a number of other card benefits. The current sign up bonus is 50,000 points after you spend $4,000 on purchases in the first 3 months from account opening. You'll also get a $300 travel credit per year which wipes away a big chunk of the $550 annual fee. |
Earn big with this card, earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.
|Chase Freedom Unlimited® - A solid, no-annual-fee card that earns you a $200 bonus after you spend $500 in your first 3 months. The newest intro offer earns an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! This means you'll enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).|
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Recommended Chase Cards (Business)
|Ink Business Preferred® Credit Card - this is our #1 recommended business card and right now comes with a 100,000 sign up bonus after you spend $15,000 on purchases in the first 3 months after account opening. This bonus is worth $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®. Pay your cell phone bill with this card to receive up to $600 in cell phone insurance coverage per year; as well as a number of other benefits.|
Earn 3x on the first $150,000 spent on travel and select business categories each account anniversary year, plus 1x on all other purchases — with no limit to the amount you can earn. All for an annual fee of $95.
|Ink Business Cash® Credit Card - Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening|
This no annual fee business card earns up to 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, plus 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary.
|Ink Business Unlimited® Credit Card - Earn unlimited 1.5% cash back rewards on every purchase made for your business.|
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. There's no annual fee.
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 ThankYou Rewards
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:
- Cathay Pacific Asia Miles to fly American Airlines
- Air France/KLM Flying Blue to fly Korean Air first class
- Avianca LifeMiles to fly Lufthansa
Citi Transfer Rules
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 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|
|Avianca Airlines Lifemiles||1,000||1:1||Almost Instantly|
|Choice Privileges||1,000||2:1||Almost Instantly|
|Cathay Pacific||1,000||1:1||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|
|Malaysia Airlines||1,000||1:1||1-2 Days|
|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||1-2 Days|
|Virgin Atlantic||1,000||1:1||2 Days|
|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)
|Citi Premier® Card - This is a great card for those frequent travelers looking for a Citi card to maximize their travel purchases. Cardholders earn 3x at restaurants, supermarkets, gas stations, air travel, and hotels; plus, 1x on all other purchases.|
Currently, you can earn 60,000 bonus ThankYou points after you spend $4,000 in purchases within the first 3 months of account opening.
|Citi Rewards+® Card - If you're looking for a no-annual-fee card that earns bonus points on everyday spending, you may consider this card being in your wallet. The card earns 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn 1X ThankYou Points on all other purchases. Don't forget that this card automatically rounds up to the nearest 10 points on every purchase – with no cap.|
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
|Citi® Double Cash Card - One of the top cash-back credit cards on the market that earns 1% when you buy and another 1% when you pay giving you the ability to earn an uncapped 2% in cash-back; all without an annual fee.|
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 more than 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 an airline partner.
Some of the best ways to use Marriott Bonvoy points include transfers to:
- Air Canada Aeroplan to fly Star Alliance partners to Europe
- Alaska Airlines Mileage Plan to fly Cathay Pacific to Asia
- Japan Airlines Mileage Bank to fly its own metal to Japan
- Korean Air SKYPASS to fly its SkyTeam partners to Europe
We’ve also written about some of the best ways to use your Marriott Bonvoy points for award flights, hotel stays, and Hotel +Air Packages.
Make sure you maximize your earnings, as Marriott Bonvoy offers a number of ways to earn points from its credit cards to stays at its portfolio of hotels across the world.
Marriott Bonvoy Transfer Rules
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 Transfer Partner||Min Transfer||Transfer Ratio (Marriott > Partner)||Bonus Airline Miles|
for every 60k Marriott Points Transferred
|Transfer Time (based on pre-merger reports)|
|Aegean Airlines Miles+Bonus||3,000||3:1||5,000||3 days|
|Aer Lingus Aeroclub||3,000||3:1||5,000||unknown|
|Aeroflot Bonus||3,000||3:1||5,000||20 days|
|AeroMexico Club Premier||3,000||3:1||5,000||4 days|
|Air Canada Aeroplan||3,000||3:1||5,000||5 days|
|Air China PhoenixMiles||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|
|Alitalia MilleMiglia||3,000||3:1||5,000||7 days|
|ANA Mileage Club||3,000||3:1||5,000||4 days|
|American Airlines AAdvantage||3,000||3:1||5,000||2 days|
|Asiana Airlines Asiana Club||3,000||3:1||5,000||4 days|
|Avianca Airlines LifeMiles||3,000||3:1||5,000||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|
|China Southern Airlines Sky Pearl Club||3,000||3:1||5,000||3 days|
|Copa Airlines ConnectMiles||3,000||3:1||5,000||3 days|
|Delta Air Lines SkyMiles||3,000||3:1||5,000||1 day|
|Emirates Skywards||3,000||3:1||5,000||3 days|
|Etihad Guest||3,000||3:1||5,000||3 days|
|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|
|Japan Airlines JAL Mileage Bank||3,000||3:1||5,000||2 days|
|JetBlue TrueBlue||3,000||6:1||2,500||1 day|
|Korean Air SKYPASS||3,000||3:1||5,000||2 days|
|LATAM Airlines Multiplus Fidelidade||3,000||3:1||5,000||2 days|
|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|
|South African Airways Voyager||3,000||3:1||5,000||3 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||5,500||3 days|
|Virgin Australia Velocity Frequent Flyer||3,000||3:1||5,000||2 days|
|Virgin Australia Velocity||3,000||3:1||5,000||1 day|
There are currently has a number of Marriott Bonvoy personal and business credit cards, typically with generous sign-up bonuses too.
Recommended Marriott Bonvoy Cards
|Marriott Bonvoy Boundless® Credit Card - Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10x total points on eligible purchases in select categories. Get automatic silver elite status each account anniversary year; and a free night award (valued up to 35,000 points) every year after account anniversary. Plus, earn up to 17x total Bovoy points per $1 when using your Marriott Bonvoy Boundless card at at over 7,000 hotels participating in Marriott Bonvoy, and 2x Bonvoy points per $1 on all other purchases. Annual Fee is $95.|
|Marriott Bonvoy Bold® Credit Card - Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening. Earn up to 14x total Bonvoy points per $1 when using your Marriott Bonvoy Bold card at over 7,000 hotels participating in Marriott Bonvoy, earn 2X on other travel purchases, then 1x on all other purchases. A solid card for Marriott loyalists looking for a no-annual-fee card offering Marriott Bonvoy Silver Elite status.|
|Marriott Bonvoy Brilliant™ American Express® Card - Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.|
Earn 6x per $1 at hotels participants in the Marriott Bonvoy™ program, 3x at U.S. restaurants and flights booked directly with airlines, and 2x on all other eligible purchases. Annual Fee is $450. Terms Apply. For rates and fees of the Bonvoy Brilliant card, click here.
|Marriott Bonvoy Business™ American Express® Card - Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.|
This is a solid card for business owners who will get complimentary Marriott Bonvoy silver elite status. Annual fee is $125. Terms Apply. For rates and fees of the Marriott Bonvoy Business Card, click here.
Hot Tip: Did you know you can also transfer Hyatt points to airline partners? Most transfers are at a 5:2 ratio and transfers can take 6-8 weeks, so it’s not a great way to use your Hyatt 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 Capital One® Venture® Rewards card, Capital One® Spark® Miles for Business card, Capital One® VentureOne® Rewards Credit Card, Capital One® Spark® Miles for Business, Chase Freedom Unlimited® card, Citi Premier℠ Card, and Citi Prestige® Card 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 Brilliant™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Business™ American Express® Card, click here.