Comprehensive Guide to Chase, American Express, and Capital One Transfer Partners

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Maximizing travel rewards through airline and hotel loyalty programs

Guide to Transfer Partners: Chase vs American Express vs Capital One

When it comes to flexible travel rewards, few programs offer as much versatility as Chase Ultimate Rewards, American Express Membership Rewards, and Capital One Miles/Rewards. One of the most powerful features of these programs is the ability to transfer points to various airline and hotel loyalty programs, enabling frequent travelers to unlock significant value.

In this guide, we’ll break down each issuer’s transfer partners, compare their offerings, and highlight the common partners as well as exclusive opportunities.


✈️ Airline Transfer Partners Overview

Airline PartnerChase URAmex MRCapital One
Aer Lingus AerClub
Aeromexico Club Premier
Air Canada Aeroplan
Air France/KLM Flying Blue
Avianca LifeMiles
British Airways Executive Club
Cathay Pacific Asia Miles
Emirates Skywards
Etihad Guest
EVA Air Infinity MileageLands
Hawaiian Airlines HawaiianMiles
Iberia Plus
JetBlue TrueBlue
Qantas Frequent Flyer
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
TAP Air Portugal Miles&Go
Turkish Airlines Miles&Smiles
Virgin Atlantic Flying Club
Lufthansa Miles & More

🏨 Hotel Transfer Partners Overview

Hotel PartnerChase URAmex MRCapital One
IHG One Rewards
Marriott Bonvoy
World of Hyatt
Choice Privileges
Hilton Honors
Wyndham Rewards
Accor Live Limitless

🔁 Transfer Ratios (General Guide)

ProgramTypical Transfer Ratio
Chase1:1 for all travel partners
Amex1:1 (many), 1:2 (Hilton), 1:1.6 (Aeromexico), 2.5:2 (Jetblue) varies by partner
Capital OneCapital One miles convert at one of four transfer ratios:
1:1 ratio
2:1.5 ratio
5:3 ratio
2:1 ratio

🏦 Chase Ultimate Rewards Transfer Partners

Chase points are widely regarded for their simplicity and strong travel partnerships.

✈️ Airlines:

  • Air Canada Aeroplan
  • Air France/KLM Flying Blue
  • British Airways Executive Club
  • Emirates Skywards
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub

🏨 Hotels:

  • World of Hyatt
  • IHG One Rewards
  • Marriott Bonvoy

Strengths:

  • 1:1 transfer ratios
  • Access to Hyatt (high-value hotel redemptions)
  • United and Southwest exclusivity

Quick details at a glance:
Card Rewards Offer – 1.5% – 5% cash back
Annual Fee – $0
Intro Rewards Bonus – Earn $250 cash back

Here are more detailed features of the Chase Freedom Unlimited®

  • Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Quick details at a glance:
Intro Rewards Bonus – Earn 90,000 bonus points
Annual Fee – $95
Card Rewards Offer – Earn 3 points per $1 in select business categories
Product Type – Business Card

The Ink Business Preferred Credit Card is a prime choice for businesses looking to maximize their travel rewards. Cardholders earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. All other purchases earn an unlimited 1 point per dollar spent. Points are worth 25% more when you redeem them for travel through Chase TravelSM, making this card especially valuable for companies with high travel expenses.

Here are more detailed features of the Ink Business Preferred® Credit Card

  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Quick details at a glance:
Intro Rewards Bonus – 60,000 bonus points
Card Rewards Offer – 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee – $0
Annual Fee – $95

Here are more detailed features of the Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC

💳 American Express Membership Rewards Transfer Partners

Amex offers the largest variety of airline partners and some hotel options, although transfer ratios can vary.

✈️ Airlines:

  • Aer Lingus AerClub
  • Aeromexico
  • Air Canada Aeroplan
  • Air France/KLM
  • ANA Mileage Club
  • Avianca LifeMiles
  • British Airways
  • Cathay Pacific Asia Miles
  • Delta SkyMiles (Exclusive to Amex)
  • Emirates
  • Etihad
  • EVA Air
  • Hawaiian Airlines
  • Iberia
  • JetBlue
  • Qantas
  • Qatar
  • Singapore Airlines
  • Virgin Atlantic

🏨 Hotels:

  • Hilton Honors (1:2 ratio)
  • Marriott Bonvoy
  • Choice Privileges

Strengths:

  • Largest selection of airline partners
  • Access to premium international airlines
  • Often runs transfer bonuses

Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card

Annual Fee: $0 introductory annual fee for the first year, then $150.

  • Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150. – Rates and Fees
  • Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • No Foreign Transaction Fees.
  • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Delta SkyMiles® Gold American Express Card – Learn More
  • Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
  • No Annual Fee. – Rates and Fees
  • Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
  • Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
  • Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
  • No Foreign Transaction Fees.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Delta SkyMiles® Blue American Express Card – Learn More
  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees. – Rates and Fees
  • Annual Fee is $325.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
American Express® Gold Card – Learn More
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
American Express® Business Gold Card – Learn More
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • 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 through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority PassTM Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $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: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 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.
  • 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. – Rates and Fees
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
The Platinum Card® from American Express – Learn More
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024. Access is limited to eligible Card Members.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • Earn 5X Membership Rewards Points® on Flights, and Prepaid Hotels Booked through AmexTravel.com
  • 1X points on other eligible purchases
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • $695 Annual Fee. – Rates and Fees
  • Terms Apply.
The Business Platinum Card® from American Express – Learn More

🏁 Capital One Miles Transfer Partners

Capital One has rapidly improved its program, now offering many 1:1 transfer partners.

✈️ Airlines:

  • Aeromexico
  • Air Canada Aeroplan
  • Avianca LifeMiles
  • British Airways Executive Club
  • Cathay Pacific
  • Emirates
  • Etihad
  • Finnair
  • Flyingblue
  • Qantas
  • Singapore Airlines
  • Turkish Airlines
  • Virgin Atlantic
  • TAP Air Portugal

🏨 Hotels:

  • Choice Privileges
  • Wyndham Rewards

Strengths:

  • Growing list of partners
  • Strong international airline focus
  • Simpler earning via flat-rate cashback-like earning model

  • Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals 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 $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
Capital One Venture Rewards Credit Card – Learn More
  • $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
Capital One VentureOne Rewards Credit Card – Learn More
Capital One Spark Miles for Business
Capital One Spark Miles for Business

Annual Fee: $0 intro for first year; $95 after that

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
Capital One Spark Miles for Business – Learn More
  • 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 and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations 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
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
Capital One Venture X Rewards Credit Card – Learn More
  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
  • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you’ll get the best prices on thousands of options
  • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • This is a pay-in-full card, so your balance is due in full every month
Capital One Venture X Business – Learn More

🔍 Shared Airline Transfer Partners

Shared Airline PartnerChaseAmexCapital One
Air Canada Aeroplan
Air France/KLM Flying Blue
British Airways
Emirates Skywards
Singapore Airlines KrisFlyer
Virgin Atlantic Flying Club

Key Insights:

  • Air France/KLM: Ideal for transatlantic awards.
  • Singapore KrisFlyer: Best for luxury flights (e.g., Singapore Suites).
  • Avianca LifeMiles: Great for Star Alliance redemptions (Amex/Capital One).

These shared partners can provide flexibility when planning redemptions and make it easier to top off balances by transferring from multiple cards.


🧳 Shared Hotel Transfer Partners

Shared Hotel PartnerChaseAmexCapital One
Marriott Bonvoy

Key Insights:

  • World of Hyatt (Chase): Top value for luxury stays.
  • Hilton Honors (Amex): Best for aspirational resorts.
  • Wyndham (Capital One): World’s Largest Hotel Franchisor.

Only Marriott is common across two, while other hotel partners remain exclusive.


Airlines vs. Hotels

  • Airlines:
    • Airline transfers often provide the highest potential value, especially for premium cabin redemptions.
    • Flexibility in booking flights across different alliances.
  • Hotels:
    • Hotel transfers can offer excellent value for luxury stays.
    • Redemption values can vary significantly depending on the hotel program.

🧠 Tips for Maximizing Value

  • Check for Transfer Bonuses: Amex often offers limited-time bonuses when transferring to specific partners.
  • Compare Award Charts: Some partners charge fewer points for the same routes—e.g., Virgin Atlantic for ANA business class.
  • Use Points for Premium Flights: First and business class redemptions generally offer the highest cent-per-point value.
  • Combine Programs: Use overlapping partners to pool miles faster (e.g., Aeroplan via Amex or Capital One).

Conclusion: Which Program is Best for You?

FeatureChaseAmexCapital One
Best for Hotel Transfers✅ HyattHilton/ChoiceWyndham/Choice
Most Airline PartnersModerate✅ Broadest listStrong & growing
Transfer Bonus FrequencyLow✅ FrequentOccasional
Simple Transfer Ratios✅ Always 1:1MixedMostly 1:1
Overall Simplicity

Each program offers great value, and the best choice depends on your travel goals:

  • Chase is ideal if you value Hyatt and domestic carriers like United and Southwest. Best for domestic travel and easy hotel redemptions
  • Amex offers unmatched airline variety and frequent transfer bonuses. Ideal for luxury travel due to partnerships like ANA and Emirates.
  • Capital One strikes a balance, with growing transfer options and simplicity. Highly flexible with budget-conscious hotel options.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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