The Ultimate Guide To Transferring Flexible Points to Other Accounts [Amex, Capital One, Chase, Citi, Marriott & More]

Updated: March 21, 2024, 10:57am CDT

Edited by:

The Ultimate Guide To Transferring Flexible Points to Other Accounts [Amex, Capital One, Chase, Citi, Marriott & More]

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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.

How To Transfer Flexible Points From Your Account

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

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:

Virgin Atlantic Flying Club to fly ANA first class
Etihad Guest to fly American Airlines business class
Singapore Airlines KrisFlyer, to fly Singapore Airlines first class
Virgin Atlantic Flying Club, to fly Virgin Atlantic Upper Class

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, 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 transfer partners, which are outlined in the table below:

Amex Transfer Partners (Airlines)

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Amex Airline 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
Qatar Airways	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)

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Amex Hotel 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.

Recommended Amex Cards (Personal)

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome OfferEarn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points

UP's Bonus Valuation*:
$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

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.

Pros

The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
TSA PreCheck or Global Entry credit
Access to American Express Fine Hotels and Resorts
Access to Amex International Airline Program
No foreign transaction fees (rates and fees)

Cons

$695 annual fee (rates and fees)
Airline credit does not cover airfare (only incidentals like checked bags)

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card^®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card^®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card^®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR^® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card^®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card^®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
$695 annual fee.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome OfferEarn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points

UP's Bonus Valuation*:
$1,320

Annual Fee

$250

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

The American Express^® Gold Card is 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 several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros

4x points per dollar at restaurants, plus takeout and delivery in the U.S.
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per dollar on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
No foreign transaction fees (see rates and fees)
Access to Amex’s The Hotel Collection
Access to American Express transfer partners

Cons

$250 annual fee (see rates and fees)
No lounge access

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards^® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards^® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards^® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

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

AA Flagship Business GIG-MIA — AA Flagship Business can be booked using Bilt points transferred to American Airlines. Image Credit: Chris Hassan

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:

American Airlines AAdvantage to fly Qatar Airways Qsuites
Air Canada Aeroplan to fly Etihad first class
United MileagePlus to fly United Polaris class

However, there aren’t as many ways to earn Bilt points through credit cards as there are with Amex or Capital One.

Bilt Transfer Rules

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 Partners (Airlines and Hotels)

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Bilt Transfer Partner	Minimum Point Transfer	Transfer Ratio	Transfer Time
Aer Lingus AerClub	2,000	1:1	Almost Instantly
Air Canada Aeroplan	2,000	1:1	Almost Instantly
Air France-KLM Flying Blue	2,000	1:1	Almost Instantly
Alaska Airlines Mileage Plan	2,000	1:1	Almost Instantly
American Airlines AAdvantage (ends June 2024)	2,000	1:1	Up to 24 hours
Avianca Lifemiles	2,000	1:1	Almost Instantly
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	Almost Instantly
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
Marriott Bonvoy	2,000; 5,000 bonus points when transferring 20,000 points	1:1	Within 48 hours
World of Hyatt	2,000	1:1	Almost Instantly

Recommended Bilt Card

Terms Apply / Rates & Fees

Bilt World Elite Mastercard^® Credit Card

U.P. Rating

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Bilt World Elite Mastercard^® Credit Card

Annual Fee

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 transaction 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.

Pros

3x points per $1 at restaurants including eligible delivery
2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year
No foreign transaction fee
Access to airline transfer partners

Cons

Does not offer a welcome bonus
Must use the card 5 times each statement period to earn points

$0 annual card fee
1X points on rent payments with no fees (on up to $100,000 in rent payments every year) and non-bonus purchases
2X points on travel (when booked directly with an airline, hotel, car rental or cruise company)
3X points on dining
Use the card 5 times each statement period to earn points

Financial Snapshot

Foreign Transaction Fees: $0

Card Categories

Hot Tip: There are separate rules for pooling points and miles from hotel and airline accounts.

Brex Rewards

Swiss Air business class middle seats — Swiss Air business class is bookable using Brex Rewards points. Image Credit: Swiss Air

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:

Avianca LifeMiles to fly Swiss Air business class
Emirates Skywards to fly Emirates first class
Cathay Pacific Asia Miles to fly British Airways business class

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.

Brex Transfer Rules

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 Transfer Partners (Airlines)

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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

Recommended Brex Cards

Brex offers a variety of corporate charge card products that enable you to earn Brex Rewards points.

Capital One Miles

Lufthansa First Class — You can use your Capital One Miles to fly Lufthansa first class. Image Credit: Cherag Dubash

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:

Avianca LifeMiles to fly Lufthansa first class
Air Canada Aeroplan to fly Etihad business class
Etihad Guest to fly American Airlines business class

Capital One Transfer Rules

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 Partners

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Cap One Transfer Partner	Min Transfer	Transfer Ratio (Cap One > Airline)	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	Almost Instant

Fortunately, Capital One offers plenty of great credit cards to help you rack up Capital One miles.

Recommended Capital One Cards (Personal)

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome OfferEnjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles

UP's Bonus Valuation*:
$1,350

Annual Fee

$95

APR

19.99% - 29.99% (Variable)

Credit Recommended

Good to Excellent Credit (670-850)

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 welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros

5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Global Entry or TSA PreCheck application fee credit
No foreign transaction fees (rates & fees)
Access to Capital One transfer partners

Cons

$95 annual fee (rates & fees)
Limited elite benefits

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck^®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome OfferEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles

UP's Bonus Valuation*:
$1,350

Annual Fee

$395

APR

19.99% - 29.99% (Variable)

Credit Recommended

Excellent (740-840)

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.

Pros

10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
10,000 bonus miles awarded on your account anniversary each year
Global Entry or TSA PreCheck credit
Add authorized users for no additional annual fee (rates & fees)
No foreign transaction fees (rates & fees)

Cons

$395 annual fee (rates & fees)
Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
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
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

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

Virgin Atlantic Airbus A350 Upper Class Cabin from Front — Transfer your Ultimate Rewards points to Virgin Atlantic to fly in the Upper Class cabin. Image Credit: Greg Stone

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 MileagePlus 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, the best Chase credit cards allow you to earn points that can 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 Chase transfer partners, which are shown in the tables below:

Chase Transfer Partners (Airline)

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Chase Airline 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)

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Chase Hotel Partner	Min Transfer	Transfer Ratio (Chase > Hotel)	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)

POPULAR FIRST CARD

Chase Sapphire Preferred^® Card

U.P. Rating

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Recommended

Good to Excellent (670-850)

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.

Pros

5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Travel portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Financial Snapshot

APR: 21.49%-28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Chase Sapphire Reserve^®

U.P. Rating

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.

Learn More(at Chase's secure site)

Chase Sapphire Reserve^®

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.

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel.
60,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Recommended

Excellent (740-850)

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!

Pros

10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
10x points on Lyft purchases March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
5x points on airfare booked through Chase Travel^SM
3x points on all other travel and dining purchases; 1x point on all other purchases
$300 annual travel credit
Priority Pass airport lounge access
TSA PreCheck, Global Entry, or NEXUS credit
Access to Chase Luxury Hotel and Resort Collection
Rental car elite status with National and Avis

Cons

$550 annual fee
Does not offer any sort of hotel elite status

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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
Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC

Financial Snapshot

APR: 22.49%-29.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

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 ThankYou Rewards

Korean Air business class suites — Flying Korean Air business class is easy with Citi ThankYou Points. Image Credit: Korean Air

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 transfer partners, which are shown in the table below:

Citi Transfer Partners

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Citi Transfer Partner	Min Transfer	Transfer Ratio (Citi > Partner)	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)

Citi Premier^® Card

U.P. Rating

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

Learn More(at our partner's secure site)

Citi Premier^® Card

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

Welcome OfferEarn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points

UP's Bonus Valuation*:
$960

Annual Fee

$95

APR

21.24% - 29.24% Variable

Credit Recommended

Good to Excellent (670-850)

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!

Pros

3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
Access to Citi transfer partners
Annual hotel credit
No foreign transaction fees

Cons

$95 annual fee

Earn 60,000 bonus ThankYou^® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou^® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou^® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Financial Snapshot

APR: 21.24% - 29.24% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Citi ThankYou Rewards

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

Japan Airlines Boeing 777 300ER First Class JAL Suite 2A — Fly JAL first class to Japan using Marriott Bonvoy points. Image Credit: Cherag Dubash

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:

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

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.

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.

There are currently several Marriott Bonvoy personal and business credit cards, typically with generous sign-up bonuses too.

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.

Final Thoughts

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 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.

Featured Image Credit: Alex Miller

Frequently Asked Questions

Can I combine my Amex points with another person who has Amex points?

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.

Can I transfer my Amex points to another person's frequent traveler account?

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).

Can I combine my Chase points with another person who has Chase points?

You can combine points with another Chase Ultimate Rewards account that belongs to you, your spouse or domestic partner, or your joint business owner.

Can I transfer my Chase points to another person's 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 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.

Can I combine my ThankYou Points with another person who has ThankYou Points?

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.

Can I transfer my ThankYou Points to another person's frequent traveler account?

You are not allowed to transfer your Citi ThankYou Rewards points to a frequent traveler account that is not in your name.

Can I combine my Marriott Bonvoy points with another person who has Marriott Bonvoy points?

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.

Can I transfer my Marriott Bonvoy points to another person's frequent traveler account?

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.

Can I combine my Capital One miles with another person?

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.

Can I transfer my Capital One miles to another person's frequent traveler account?

Yes, Capital One does not place any limits on who you can transfer your Capital One miles to.

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About Michael McHugh

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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