Complete List of Credit Card Transfer Partners

Maximizing Your Points: Understanding Rewards Transfer Partners

In the world of travel and credit card rewards, one key concept can unlock incredible value from your points and miles: transfer partners. This strategy can turn a simple credit card purchase into a luxurious hotel stay, first-class flight, or an unforgettable experience. But what exactly are transfer partners, and how can you use them to maximize your rewards? Let’s explore.

What Are Rewards Transfer Partners?

Transfer partners fall into two main categories: airline and hotel partners. These programs allow you to convert points or miles earned from one program (usually a credit card’s rewards program) into another. For example, if you have a Chase Ultimate Rewards card, you can transfer your points to a variety of airline and hotel loyalty programs, such as United Airlines, Southwest Airlines, or Marriott Bonvoy.

Why Use Transfer Partners?

1. Better Redemption Value: Transfer partners often offer better value than redeeming points directly through your credit card’s portal. Instead of using points for a statement credit or gift card, transferring them to an airline’s frequent flyer program might get you a first-class ticket worth much more.

   Additionally, by booking directly through an airline or hotel’s loyalty program, you can earn points or night credits, unlike when booking through the credit card's rewards portal. For example, if you have Hilton Diamond status, transferring Amex points to Hilton and booking directly will allow you to enjoy your Diamond benefits.

2. Travel Flexibility: Transfer partners give you access to a broad network of airlines and hotels, offering flexibility in your travel plans. Whether you’re booking a quick domestic flight or indulging in a luxury stay at a five-star hotel, transfer partners give you more options.

3. Exclusive Awards: Some programs offer award flights or hotel stays exclusively available through their loyalty systems. By transferring your points, you may gain access to these exclusive awards, which wouldn’t be available through direct redemption.

Major Credit Card Programs with Transfer Partners

Here’s an overview of popular credit card rewards programs and their notable transfer partners:

1. Chase Ultimate Rewards

Airline Transfer Partners:

• Aer Lingus – Aer Club

• Air Canada – Aeroplan

• Air France/KLM – Flying Blue

• British Airways – Executive Club

• Emirates – Skywards

• Iberia – Iberia Plus

• JetBlue – TrueBlue

• Singapore Airlines – KrisFlyer

• Southwest Airlines – Rapid Rewards

• United Airlines – MileagePlus

• Virgin Atlantic – Flying Club

Hotel Transfer Partners:

• Hyatt – World of Hyatt

• Marriott – Marriott Bonvoy

• IHG Hotels – IHG One Rewards

2. American Express Membership Rewards

Airline Transfer Partners:

• Aer Lingus – Aer Club

• AeroMexico – AeroMexico Rewards

• Air Canada – Aeroplan

• Air France/KLM – Flying Blue

• ANA – Mileage Club

• Avianca – LifeMiles

• British Airways – Executive Club

• Cathay Pacific – Asia Miles

• Delta Airlines – SkyMiles

• Emirates – Skywards

• Etihad Airways – Etihad Guest

• Hawaiian Airlines – HawaiianMiles

• Iberia – Iberia Plus

• JetBlue – TrueBlue

• Qantas Airlines

• Qatar Airways – Privilege Club

• Singapore Airlines – KrisFlyer

• Virgin Atlantic – Flying Club

Hotel Transfer Partners:

• Hilton – Hilton Honors

• Marriott – Marriott Bonvoy

• Choice Hotels – Choice Privileges

3. Citi ThankYou Rewards

Airline Transfer Partners:

• Air France/KLM – Flying Blue

• AeroMexico – AeroMexico Rewards

• Avianca – LifeMiles

• Cathay Pacific – Asia Miles

• Emirates – Skywards

• Etihad Airways – Etihad Guest

• EVA Air

• JetBlue – TrueBlue

• Qantas Airlines

• Qatar Airways – Privilege Club

• Singapore Airlines – KrisFlyer

• Thai Airways – Royal Orchid Plus

• Turkish Airlines – Miles&Smiles

• Virgin Atlantic – Flying Club

Hotel Transfer Partners:

• Choice Hotels – Choice Privileges

• Wyndham Hotels – Wyndham Rewards

4. Capital One Miles

Airline Transfer Partners:

• Air France/KLM – Flying Blue

• TAP Air Portugal – Miles&Go

• AeroMexico – AeroMexico Rewards

• Air Canada – Aeroplan

• Avianca – LifeMiles

• British Airways – Executive Club

• Cathay Pacific – Asia Miles

• Emirates – Skywards

• Etihad Airways – Etihad Guest

• Finnair – Finnair Plus

• Qantas Airlines

• Singapore Airlines – KrisFlyer

• Turkish Airlines – Miles&Smiles

• Virgin Atlantic – Flying Club

Hotel Transfer Partners:

• Wyndham Hotels – Wyndham Rewards

• Choice Hotels – Choice Privileges

How to Maximize Value Through Transfer Partners

1. Understand Transfer Ratios: Transfer ratios can vary between programs. For example, Chase Ultimate Rewards points usually transfer at a 1:1 ratio, while Capital One Miles may transfer at 2:1.5. Understanding these ratios is key to maximizing your points’ value.

2. Look for Transfer Bonuses: Occasionally, credit card programs offer transfer bonuses, where you get more points or miles when transferring to certain partners. A 30% bonus when transferring to British Airways, for instance, can significantly boost your redemption value.

3. Research Before Transferring: Transfers are often irreversible, so it’s essential to check availability and calculate redemption values before making a move. Make sure the transfer aligns with your travel goals.

4. Focus on Your Travel Goals: Align your transfer strategy with your travel plans. If you frequently fly with a particular airline or stay at specific hotel chains, prioritizing those partners will help you maximize your points.

Final Thoughts

Mastering the art of using rewards transfer partners can turn your points into extraordinary travel experiences. With careful planning, you can unlock tremendous value from your everyday spending. However, keep in mind that transfer partners can change, so always verify them before opening a new credit card.

Happy travels!