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

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Michael McHugh

Michael McHugh

Former Content Contributor

Countries Visited: 15U.S. States Visited: 32

Michael fell in love with points and miles back in 2014 and since then has built up a vast knowledge of award programs and has striven to show readers how to receive the maximum value when using their...
Edited by: Juan Ruiz

Juan Ruiz

Compliance Editor & Content Contributor

Countries Visited: 40U.S. States Visited: 27

Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...

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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

Transfer your Amex points to Singapore Airlines to fly Singapore Airlines Suites! Image Credit: Alex Miller

American Express Membership Rewards is a popular flexible point program for 2 reasons:

  1. It offers a useful lineup of airline partners to redeem your points with.
  2. 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, 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 Transfer Partners (Airlines)

Amex Airline Transfer PartnerMin TransferTransfer Ratio
(Amex > Partner)
Transfer Time
Aer Lingus1,0001:1Almost Instant
AeroMexico1,0001:1.62-12 days
Air Canada1,0001:1Almost Instant
ANA1,0001:13 days
Avianca LifeMiles1,0001:1Almost instant
British Airways
1,0001:1Almost Instant
Cathay Pacific1,0001:1Up to 1 Week
Delta Air Lines1,0001:1Almost Instant
Emirates1,0001:1Almost Instant
Etihad Airways1,0001:1Almost Instant
Flying Blue Air France/KLM1,0001:1Almost Instant
Hawaiian1,0001:1Almost Instant
Iberia1,0001:11-3 days
JetBlue2501:0.8Almost Instant
Qantas5001:1Almost Instant
Singapore Airlines1,0001:11-2 days
Virgin Atlantic1,0001:11-2 days

Amex Transfer Partners (Hotels)

Amex Hotel Transfer PartnerMin TransferTransfer Ratio
(Amex > Partner)
Transfer Time
Choice Privileges1,0001:1Almost Instant
Hilton Honors1,0001:2Almost Instant
Marriott Bonvoy1,0001:1Almost Instant

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 ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This 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.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

This 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.
Earn 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
$1,760
$695
See Pay Over Time APR
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
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 $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
  • 5x points per $1 spent on prepaid hotels booked with American Express Travel
  • 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, SiriusXM, 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.
  • $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

American Express® Gold CardTerms Apply / Rates & Fees

American Express® Gold Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

American Express® Gold Card

This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent (670-850)

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.

Pros

  • 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
  • 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per $1 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

  • Earn 60,000 Membership Rewards® points after you spend $4,000 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 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:

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)

Bilt Transfer PartnerMinimum Point TransferTransfer RatioTransfer Time
Airline Partners
Aer Lingus AerClub2,0001:1TBD
Air Canada Aeroplan2,0001:1Almost Instantly
Air France-KLM Flying Blue2,0001:1Almost Instantly
American Airlines AAdvantage2,0001:1Up to 24 hours
British Airways Executive Club2,0001:1Almost Instantly
Cathay Pacific Asia Miles
2,0001:1Almost Instantly
Emirates Skywards2,0001:1Almost Instantly
Hawaiian Airlines HawaiianMiles2,0001:1Almost Instantly
Iberia Plus2,0001:1TBD
Turkish Airlines Miles & Smiles2,0001:1Almost Instantly
United MileagePlus2,0001:1Almost Instantly
Virgin Atlantic Flying Club2,0001:1Almost Instantly
Hotel Partners
IHG One Rewards2,0001:1Almost Instantly
World of Hyatt2,0001:1Almost Instantly

Recommended Bilt Card

Bilt World Elite Mastercard® Credit Card

Bilt World Elite Mastercard® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at Bilt's secure site)
$0

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.

Pros

  • 3x points per $1 at restaurants including eligible delivery and takeout
  • 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 50,000 points each year
  • No annual fee
  • No foreign transaction fees
  • Access to airline transfer partners
  • Cell phone protection
  • Trip delay insurance
  • Purchase security
  • Primary rental car coverage

Cons

  • Does not offer a welcome bonus
  • Requires at least 5 transactions that post each statement period to earn bonus rewards
  • $0 annual card fee
  • 1X points on rent payments with no fees (on up to $50,000 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

Financial Snapshot

  • Foreign Transaction Fees: $0

Card Categories

<ul><li><a href="/news/bilt-mastercard-rent-payments-app/" target="_self" rel="follow" data-wpel-link="internal">Bilt Mastercard Now Lets You Pay Landlords Directly via Its App</a></li><li><a href="/news/bilt-mastercard/" target="_self" rel="follow" data-wpel-link="internal">Bilt Rewards 0-1-2-3 Launch [Card Refresh, New Partner, Elite Tiers]</a></li><li><a href="/news/bilt-rewards-adds-united-cathay-pacific-transfer-partners/" target="_self" rel="follow" data-wpel-link="internal">Bilt Rewards Adds United and Cathay Pacific as Transfer Partners</a></li><li><a href="/news/bilt-rewards-wells-fargo-card/" target="_self" rel="follow" data-wpel-link="internal">Bilt Rewards Teams up With Wells Fargo To Offer a Card That Earns Points on Rent [No Waitlist]</a></li></ul>

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

Brex Rewards

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:

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)

Brex Airline Transfer PartnerMinimum Points Transfer Transfer Ratio
(Brex > Partner)
Transfer Time
AeroMexico1,6701,670:1,000Up to 1 business day
Avianca LifeMiles1,6701,670:1,000Up to 1 business day
Cathay Pacific1,6701,670:1,000Up to 1 business day
Emirates1,6701,670:1,000Up to 1 business day
Flying Blue Air France-KLM1,6701,670:1,000Up to 1 business day
Qantas1,6701,670:1,000Up to 1 business day
Singapore Airlines1,6701,670:1,000Up 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

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:

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

Capital One Transfer PartnerMinimum TransferTransfer Ratio
(CapOne > Partner)
Transfer Time
ALL - Accor Live Limitless1,0002:1Up to 36 hours
Aeromexico Club Premier1,0001:1Almost Instant
Air Canada Aeroplan1,0001:1Almost Instant
Avianca LifeMiles1,0001:1Almost Instant
British Airways Avios1,0001:1Almost Instant
Cathay Pacific Asia Miles
1,0001:1Up to 36 hours
Choice Privileges
1,0001:1Up to 24 hours
Emirates Skywards1,0001:1Almost Instant
Etihad Guest1,0001:1Up to 36 hours
EVA Infinity MileageLands1,0002:1.5Up to 36 hours
Finnair Plus1,0001:1Almost Instant
Flying Blue AIR FRANCE KLM
1,0001:1Almost Instant
Qantas Frequent Flyer1,0001:1Up to 36 hours
Singapore Airlines KrisFlyer1,0001:1Up to 36 hours
TAP Air Portugal Miles&Go1,0001:1Almost Instant
Turkish Airlines Miles&Smiles1,0001:1Up to 24 hours
Virgin Red1,0001:1Unknown
Wyndham Rewards1,0001:1Instant

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

Recommended Capital One Cards (Personal)

TOP PICK
Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.
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.
75,000 miles
$1,350
$395
21.99% - 28.99% Variable
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
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/TSA PreCheck credit
  • Add authorized users for no additional annual fee
  • No foreign transaction fees

 

Cons

  • $395 annual fee
  • 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: 21.99% - 28.99% Variable
  • Foreign Transaction Fees: $0

Card Categories

Rewards Center

Capital One Miles

 

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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!
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.
75,000 miles
$1,350
$95
20.99% - 28.99% Variable
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent Credit (670-850)

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.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • 2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
  • Global Entry or TSA PreCheck credit
  • No foreign transaction fees
  • Access to Capital One transfer partners

Cons

  • $95 annual fee
  • 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
  • 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 our 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: 20.99% - 28.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Capital One VentureOne Rewards Credit CardTerms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The 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.

Learn More(at Capital One's secure site)

Capital One VentureOne Rewards Credit Card

The 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.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
20,000 miles
$360
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent (670-850)

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?

Pros

  • No annual fee
  • No foreign transaction fees
  • Ability to use transfer partners
  • Access to Capital One Dining

Cons

  • Weak earn rate at 1.25x miles per $1 spent on all purchases
  • No luxury travel or elite benefits
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
  • 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

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:

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)

Chase Airline Transfer PartnerMin TransferTransfer Ratio
(Chase > Airline)
Transfer Time
Aer Lingus AerClub1,0001:1Almost Instant
Air Canada Aeroplan1,0001:1Almost Instant
Air France-KLM Flying Blue
1,0001:11 hour
British Airways Executive Club1,0001:1Almost Instant
Emirates Skywards1,0001:1Almost instant
Iberia Plus1,0001:1Almost Instant
JetBlue1,0001:1Almost Instant
Singapore Airlines KrisFlyer
1,0001:11-2 days
Southwest Airlines Rapid Rewards1,0001:1Almost Instant
United Airlines MileagePlus1,0001:1Almost Instant
Virgin Atlantic Flying Club1,0001:1Almost Instant

Chase Transfer Partners (Hotel)

Chase Hotel Transfer PartnerMin TransferTransfer RatioTransfer Time
IHG One Rewards1,0001:11 day
Marriott Bonvoy1,0001:12 days
World of Hyatt
1,0001:1Almost 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)

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.
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 Ultimate Rewards®.
60,000 points
$1,200
$95
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
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 Ultimate Rewards portal
  • 5x points on select Peloton purchases over $250 (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 Ultimate Rewards 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
  • Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)

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 Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Chase Sapphire Reserve®

Chase Sapphire Reserve®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
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 points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
  • 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 via the Chase Ultimate Rewards portal
  • 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 Ultimate Rewards®
  • $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 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
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. 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

  • 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

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

Citi Transfer PartnerMin TransferTransfer RatioTransfer Time
Aeromexico Club Premier1,0001:1Almost Instantly
Air France / KLM Flying Blue1,0001:1Almost Instantly
ALL - Accor Live Limitless1,0002:1Almost Instantly
Avianca Airlines Lifemiles1,0001:1Almost Instantly
Cathay Pacific
1,0001:1Almost Instantly
Choice Privileges1,0001:2Almost Instantly
Emirates Skywards1,0001:1Almost Instantly
Etihad Airways1,0001:1Almost Instantly
EVA Air1,0001:12 Days
JetBlue Airways1,0001:1Almost Instantly
Qantas Airways1,0001:1Almost Instantly
Qatar Airways
1,0001:12 Days
Singapore Airlines1,0001:12 Days
Thai Airways1,0001:14 Days
Turkish Airlines1,0001:1Almost Instantly
Virgin Atlantic1,0001:1Almost Instantly
Wyndham Rewards1,0001:1Within 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

Citi Premier® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.
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.
60,000 points
$960
$95
21.24% - 29.24% Variable
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
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

Citi Rewards+® Card

Citi Rewards+® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Learn More(at our partner's secure site)

Citi Rewards+® Card

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.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com.
20,000 points
$320
$0
0% Intro APR on balance transfers for 15 months and on purchases. After that, the variable APR of 18.74% - 28.74%.
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent Credit Recommended (670-840)
  • 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
  • Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel(SM) portal through June 30, 2024.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • No Annual Fee

Financial Snapshot

  • APR: 0% Intro APR on balance transfers for 15 months and on purchases. After that, the variable APR of 18.74% - 28.74%.
  • Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Card Categories

Citi® Double Cash Card

Citi® Double Cash Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi® Double Cash Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
None
$0
19.24% - 29.24% Variable
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Fair to Excellent (580-850)

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.

Pros

  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee

Cons

  • No bonus categories
  • 3% foreign transaction fees
  • Lack of premium travel benefits
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

  • APR: 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

Citi Custom Cash® Card

Citi Custom Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

Learn More(at our partner's secure site)

Citi Custom Cash® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
$0
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Fair to Excellent (580-850)

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.

Pros

  • 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
  • No annual fee
  • Multiple redemption options
  • No redemption minimums

Cons

  • Your 5% category is limited to $500 in spend ($25 in cash-back) each month
  • Not particularly rewarding for any purchases outside of your top 5% cash-back category
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Financial Snapshot

  • APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
  • Foreign Transaction Fees: 3%

Card Categories

<ul><li><a class="post-item__link" href="/news/new-citi-custom-cash-card/" target="_self" rel="follow" data-wpel-link="internal">Citi Custom Cash Card Launches [Earn 5% Back on Your Top Purchases]</a></li><li><a class="post-item__link" href="/credit-cards/best-citi-credit-cards/" target="_self" rel="follow" data-wpel-link="internal">Best Citi Credit Cards</a></li></ul>

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

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:

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.

Marriott Bonvoy Transfer PartnerMinimum Points TransferTransfer Ratio (Marriott Bonvoy > Partner)Bonus Airline Miles
for Every 60K Marriott Bonvoy Points Transferred
Transfer Time
Aegean Airlines Miles+Bonus3,0003:15,0003 days
Aer Lingus Aeroclub3,0003:15,000unknown
AeroMexico Club Premier3,0003:15,0004 days
Air Canada Aeroplan3,0003:15,0005 days
Air France/KLM Flying Blue3,0003:15,0003 day
Air New Zealand Airpoints3,000200:1251 day
Alaska Airlines Mileage Plan3,0003:15,0004 days
American Airlines AAdvantage3,0003:1N/A2 days
ANA Mileage Club3,0003:15,0004 days
Asiana Airlines Asiana Club3,0003:15,0004 days
Avianca Airlines LifeMiles3,0003:1N/A1 day
British Airways Executive Club3,0003:15,0003 days
Cathay Pacific Asia Miles3,0003:15,0005 days
Copa Airlines ConnectMiles3,0003:15,0003 days
Delta Air Lines SkyMiles3,0003:1N/A1 day
Emirates Skywards3,0003:15,0003 days
Etihad Guest3,0003:15,0003 days
FRONTIER Miles3,0003:15,000unknown
Hainan Airlines Fortune Wings Club3,0003:15,0008 days
Hawaiian Airlines HawaiianMiles3,0003:15,0001 day
Iberia Plus3,0003:15,0001 day
InterMiles3,0003:15,000unknown
Japan Airlines JAL Mileage Bank3,0003:15,0002 days
Korean Air SKYPASS3,0003:1N/A2 days
LATAM Pass3,0003:15,0002 days
Multiplus Fidelidade LATAM Pass3,0003:15,000unknown
Qantas Frequent Flyer3,0003:15,0002 days
Qatar Airways Privilege Club3,0003:15,0003 days
Saudi Arabian Airlines Alfursan3,0003:15,000unknown
Singapore Airlines KrisFlyer3,0003:15,0002 days
Southwest Airlines Rapid Rewards3,0003:15,0001 day
TAP Air Portugal Miles&Go3,0003:15,000unknown
Thai Airways Royal Orchid Plus3,0003:15,0004 days
Turkish Airlines Miles&Smiles3,0003:15,000unknown
United MileagePlus3,0003:1.110,0003 days
Virgin Atlantic Flying Club3,0003:15,0002 days
Virgin Australia Velocity Frequent Flyer3,0003:15,0001 day
Vueling Club3,0003:15,000unknown

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

Recommended Marriott Bonvoy Cards

Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Marriott Bonvoy Bold® Credit Card

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Earn 30,000 Bonus Points after you spend $1,000 on eligible purchases within the first 3 months from account opening.
30,000 points
$210
$0
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent (670-850)

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.

Pros

  • Up to 14x points per $1 on Marriott purchases
  • 2x points per $1 on travel purchases
  • 15 Elite Night Credits each year (automatically gives you Silver Elite status)
  • No foreign transaction fees
  • No annual fee

Cons

  • Lower point earn rate than other Marriott Bonvoy cards
  • Marriott Bonvoy Silver Elite status is the lowest status tier
  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
  • 1X point for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
  • No Foreign Transaction Fees.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Marriott Bonvoy Boundless® Credit Card

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.
Earn 3 Free Nights after you spend $3,000 on eligible purchases (each night valued up to 50,000 points) within the first 3 months from account opening.
Up to 3 Free Nights
$1,050
$95
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent (670-850)

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.

Pros

  • Earn big when you use your card at over 7,000 participating Marriott Bonvoy hotels
  • New benefit to earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
  • 1 Free Night Award each cardmember anniversary (up to 35,000 points)
  • DoorDash DashPass subscription
  • No foreign transaction fees

Cons

  • $95 annual fee
  • Marriott Silver status is the lowest status tier
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

Marriott Bonvoy Bevy™ American Express® CardTerms Apply / Rates & Fees

Marriott Bonvoy Bevy™ American Express® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Learn More(at Amex's secure site)

Marriott Bonvoy Bevy™ American Express® Card

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.
Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months.
125,000 points
$875
$250
20.99%-29.99% Variable
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent (670-850)

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.

Pros

  • 6x points per $1 at hotels participating in Marriott Bonvoy
  • 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2X points)
  • 2x points per $1 on all other purchases
  • Complimentary Marriott Bonvoy Gold Elite status
  • 15 Elite Night Credits per year
  • 1,000 bonus points per paid stay
  • 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
  • No foreign transaction fees (rates and fees)

Cons

  • $250 annual fee (rates and fees)
  • Free Night Award certificate is not an automatic benefit
  • Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
  • Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
  • Earn 2X points on all other eligible purchases.
  • 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
  • With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
  • Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
  • $250 Annual Fee.
  • Terms apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Marriott Bonvoy Brilliant® American Express® CardTerms Apply / Rates & Fees

Marriott Bonvoy Brilliant® American Express® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A 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.

Learn More(at Amex's secure site)

Marriott Bonvoy Brilliant® American Express® Card

A 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.
Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months.
Two 85K Free Night Awards
$1,190
$650
20.99%-29.99% Variable
Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
Good to Excellent (670-850)

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?

Pros

  • 6x points per $1 at hotels participating in Marriott Bonvoy program
  • 3x points per $1 on flights booked directly with airlines and restaurants worldwide
  • 2x points per $1 on all other purchases
  • 25 Elite Night Credits each year
  • Priority Pass Select membership upon enrollment
  • Global Entry or TSA PreCheck application fee statement credit
  • Annual Free Night Award after card renewal
  • Complimentary Platinum Elite status

Cons

  • Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card Members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees. Offer ends 11/1/2023.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) for eligible purchases made on the Marriott Bonvoy Brilliant Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
  • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

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.

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 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.

Frequently Asked Questions

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.

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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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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