We love transferable credit card points and miles right here at TPG.
The power to switch your rewards to a variety of airline and hotel loyalty programs offers precious flexibility to maximise your journey. You are not locked right into a single redemption scheme as you intend your journeys. If you cannot discover the seats obtainable in a single program, you’ll be able to select one other program earlier than transferring any bank card factors or miles. If a program devalues its forex with out discover, you’ll be able to change to a distinct program to your subsequent factors or miles switch.
With dozens of various switch potentialities, it may be troublesome to recollect simply what number of choices you might have.
This is a helpful information that breaks down which bank card factors and miles you’ll be able to switch to which airline and lodge applications, together with their respective switch ratios. We additionally checklist our valuation for every switch associate so you may get the most effective worth to maximise your hard-earned factors and miles.
Airline switch companions
*You possibly can switch Citi ThankYou Rewards factors at a 1:1 ratio with sure Citi playing cards — the Citi Prestige® Card, Citi Strata Elite℠ Card (see rates and fees) and Citi Strata Premier® Card (see rates and fees). Rewards with different Citi playing cards switch at a 1:0.7 ratio.
The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
There are a couple of vital notes to spotlight relating to these switch companions:
- Many transfers are instantaneous, although you need to try our guides to switch instances for American Express, Bilt, Capital One, Chase and Wells Fargo for extra particulars.
- You possibly can transfer Avios between Aer Lingus AerClub, British Airways Membership, Finnair Plus, Iberia Membership and Qatar Airways Privilege Membership accounts in any course at a 1:1 ratio.
- Applications sometimes provide switch bonuses, which we spotlight in our often up to date guide to transfer bonuses.
Lastly, apart from EVA Air Infinity MileageLands and Finnair Plus, you’ll be able to transfer Marriott Bonvoy points to all airline companions listed above at a fee of three Bonvoy factors to 1 airline level or mile. You’ll obtain a further 5,000 airline factors or miles for each 60,000 Bonvoy factors transferred, besides with the next airline applications: American Airways AAdvantage, Avianca LifeMiles and Delta SkyMiles. Moreover, United MileagePlus awards 10,000 bonus miles for each 60,000 factors transferred.
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Associated: Should you transfer hotel points to airline partners?
Resort switch companions
As with transfers to airline companions, most transfers to lodge companions are instantaneous, although you’ll be able to learn extra in our beforehand talked about guides to switch instances for Amex, Bilt, Capital One, Chase, Citi and Wells Fargo.
Associated: Why you should master a few credit card transfer partners, and (most likely) leave the rest behind
The best way to earn transferable factors or miles
The easiest way to earn transferable bank card factors or miles is with the fitting bank card. This is a take a look at your finest choices.
American Specific Membership Rewards
These are the most well-liked playing cards that earn American Express Membership Rewards factors:
You can even earn Amex points by signing up for Rakuten and setting your incomes desire to Membership Rewards factors as an alternative of money again.
Bilt Rewards
Bilt provides one bank card, the Bilt Mastercard®. Cardmembers can earn rewards on hire funds (as much as 100,000 Bilt Factors in a calendar yr), plus 2 factors per greenback spent on journey (airfare, accommodations, cruises and rental automobiles) and three factors per greenback spent on eating.
You should full no less than 5 transactions per assertion interval to earn factors. Better of all, the Bilt Mastercard has no annual charge.
The data for the Bilt Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Capital One miles
Listed here are the playing cards that at present earn transferable Capital One miles:
The data for the Capital One Spark Miles Choose for Enterprise card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Chase Final Rewards
Listed here are the playing cards that earn absolutely transferable Chase Ultimate Rewards factors:
Nevertheless, when you’ve got one in every of these playing cards, you can even combine your rewards from cash-back cards just like the Chase Freedom Flex® (see rates and fees) and the Chase Freedom Unlimited® (see rates and fees) in a single account, successfully changing these cash-back earnings into absolutely transferable Final Rewards factors.
The data for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Citi ThankYou Rewards
Citi ThankYou Rewards has 21 airline and lodge switch companions, plus one retail partnership with Store Your Means. In case you maintain the Citi Prestige, Strata Elite or Strata Premier, you’ll be able to leverage these companions at their full switch ratios.
Nevertheless, as with Chase Final Rewards factors, you’ll be able to mix your Citi ThankYou Rewards factors in a single account for choose merchandise. This unlocks the total switch ratios. In case you switch from one in every of these playing cards with out holding a premium Citi card, you may get a 1:0.7 switch ratio:
The data for the Citi Customized Money Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Wells Fargo Rewards
Although Wells Fargo offers multiple credit cards, together with a number of that earn money rewards, you’ll be able to at present solely earn transferable Wells Fargo Rewards factors with the next playing cards:
Associated: How to choose the best credit card for you
Backside line
Many switch choices can be found among the many main bank card loyalty applications. Transferable factors and miles are typically extra precious than any single airline or lodge level or mile as a result of they provide the added flexibility to decide on the place to ship your rewards — and when to do it.
Bookmark this cheat sheet so you already know your choices when making use of to your subsequent transferable points- or miles-earning credit card or deciding in your subsequent redemption.
Associated: These apps and websites make award redemptions easier to find
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