One of the biggest advantages of earning rewards through a travel credit card is the flexibility you have when it’s time to book travel.
Unlike airline miles, many credit card points can be transferred to multiple airline loyalty programs. Instead of being locked into a single airline, you can choose the program that best suits your trip.
If you’ve never transferred credit card points before, the process is easier than you might think. And once you understand which airline partners your bank works with, transferring your points usually takes only a few minutes.
Here’s how to convert your credit card points into airline miles.
Before You Transfer Your Points
Before transferring a single point, it’s a good idea to search for the award flight you want.
Credit card point transfers are one-way. Once your points become airline miles, you can’t transfer them back to your credit card rewards program.
That’s why it’s usually best to:
- Search for your award flight first.
- Confirm that seats are available.
- Compare the cash price with the points required.
- Transfer only the number of points you need to complete your booking.
PointsYeah makes this process much easier by showing live award availability across supported airline programs.
Search results also identify which transferable credit card currencies can be used for a particular redemption and highlight any applicable transfer bonuses.
American Express Membership Rewards
American Express airline transfer partners
American Express Membership Rewards points are transferable to the following airline loyalty programs.
| Program | Transfer Ratio |
| Aer Lingus AerClub | 1,000 Amex points = 1,000 Avios |
| Aeromexico Rewards | 1,000 Amex points = 1,000 Aeromexico points |
| Air Canada Aeroplan | 1,000 Amex points = 1,000 Aeroplan points |
| Air France-KLM Flying Blue | 1,000 Amex points = 1,000 Flying Blue miles |
| All Nippon Airways (ANA) Mileage Club | 1,000 Amex points = 1,000 ANA miles |
| Avianca LifeMiles | 1,000 Amex points = 1,000 LifeMiles |
| British Airways Club | 1,000 Amex points = 1,000 Avios |
| Cathay Pacific Asia Miles | 1,000 Amex points = 800 Asia Miles |
| Delta Air Lines SkyMiles | 1,000 Amex points = 1,000 SkyMiles |
| Emirates Skywards | 1,000 Amex points = 800 Skywards miles |
| Iberia Plus | 1,000 Amex points = 1,000 Avios |
| JetBlue TrueBlue | 250 Amex points = 200 TrueBlue points |
| Qantas Frequent Flyer | 500 Amex points = 500 Qantas points |
| Qatar Airways Privilege Club | 1,000 Amex points = 1,000 Avios |
| Singapore Airlines KrisFlyer | 1,000 Amex points = 1,000 KrisFlyer miles |
| Virgin Atlantic Flying Club | 1,000 Amex points = 1,000 Virgin points |
Most Amex transfers process instantly, though transfer times can vary by the airline.
One important exception involves transfers to U.S.-based airline programs such as Delta SkyMiles and JetBlue TrueBlue. American Express charges an excise tax offset fee of 0.06 cents per point transferred (up to a maximum of $99) for these transfers.
While you can use Membership Rewards points to cover the fee at checkout, you’re generally better off paying it with your American Express card and saving your points for travel.
How to transfer American Express Membership Rewards
- Sign in to your American Express account.
- Open Rewards & Benefits, then select Transfer Points.
- Choose your airline loyalty program and link your account if necessary.
- Enter the number of Membership Rewards points you’d like to transfer.
- Review the information and confirm your transfer.
Bilt Rewards
Bilt airline transfer partners
Bilt Rewards Points are transferable to the following airline loyalty programs.
| Program | Transfer Ratio |
| Aer Lingus AerClub | 1,000 Bilt Points = 1,000 Avios |
| Air Canada Aeroplan | 1,000 Bilt Points = 1,000 Aeroplan points |
| Air France-KLM Flying Blue | 1,000 Bilt Points = 1,000 Flying Blue miles |
| Alaska Airlines Atmos Rewards | 1,000 Bilt Points = 1,000 Atmos points |
| Avianca LifeMiles | 1,000 Bilt Points = 1,000 Avianca LifeMiles |
| British Airways Club | 1,000 Bilt Points = 1,000 Avios |
| Cathay Pacific Asia Miles | 1,000 Bilt Points = 1,000 Asia Miles |
| Emirates Skywards | 1,000 Bilt Points = 1,000 Skywards miles |
| Etihad Guest | 1,000 Bilt Points = 1,000 Etihad miles |
| Iberia Club | 1,000 Bilt Points = 1,000 Avios |
| Japan Airlines Mileage Bank | 1,000 Bilt Points = 1,000 Japan Airlines miles |
| Qatar Airways Privilege Club | 1,000 Bilt Points = 1,000 Avios |
| Southwest Airlines Rapid Rewards | 1,000 Bilt Points = 1,000 Southwest points |
| TAP Air Portugal Miles&Go | 1,000 Bilt Points = 1,000 TAP miles |
| Turkish Airlines Miles&Smiles | 1,000 Bilt Points = 1,000 Turkish miles |
| United Airlines MileagePlus | 1,000 Bilt Points = 1,000 United miles |
| Virgin Atlantic Flying Club (via Virgin Red) | 1,000 Bilt Points = 1,000 Virgin points |
Most Bilt transfers process instantly, though transfer times can vary by the airline.
How to transfer Bilt Rewards
- Sign in to your Bilt account.
- Select the Rewards tab.
- Tap Transfer.
- Choose your airline partner.
- Enter the number of points to transfer and confirm.
Capital One Miles
Capital One airline transfer partners
Capital One Miles are transferable to the following airline loyalty programs.
| Program | Transfer Ratio |
| Aeromexico Rewards | 1,000 Capital One Miles= 1,000 Aeromexico points |
| Air Canada Aeroplan | 1,000 Capital One Miles= 1,000 Aeroplan points |
| Air France-KLM Flying Blue | 1,000 Capital One Miles= 1,000 Flying Blue miles |
| Cathay Pacific Asia Miles | 1,000 Capital One Miles= 1,000 Asia Miles |
| British Airways Club | 1,000 Capital One Miles= 1,000 Avios |
| Emirates Skywards | 1,000 Capital One Miles= 750 Skywards miles |
| Etihad Guest | 1,000 Capital One Miles= 1,000 Etihad miles |
| EVA Air Infinity MileageLands | 1,000 Capital One Miles= 750 EVA Air miles |
| Finnair Plus | 1,000 Capital One Miles= 1,000 Avios |
| Japan Airlines Mileage Bank | 1,000 Capital One Miles= 750 Japan Airlines miles |
| JetBlue TrueBlue | 1,000 Capital One Miles= 600 TrueBlue points |
| Qantas Frequent Flyer | 1,000 Capital One Miles= 1,000 Qantas points |
| Qatar Airways Privilege Club | 1,000 Capital One Miles= 1,000 Avios |
| Singapore Airlines KrisFlyer | 1,000 Capital One Miles= 1,000 KrisFlyer miles |
| TAP Air Portugal Miles&Go | 1,000 Capital One Miles= 1,000 TAP miles |
| Turkish Airlines Miles&Smiles | 1,000 Capital One Miles= 1,000 Turkish miles |
| Virgin Atlantic Flying Club (via Virgin Red) | 1,000 Capital One Miles= 1,000 Virgin points |
Most Capital One transfers process instantly, though transfer times can vary by the airline.
How to transfer Capital One Miles
- Sign in to your Capital One account.
- Select View Rewards.
- Choose Transfer Rewards.
- Select your airline partner.
- Enter the number of miles you’d like to transfer and confirm.
Chase Ultimate Rewards
Chase airline transfer partners
Chase Ultimate Rewards points are transferable to the following airline loyalty programs.
| Program | Transfer Ratio |
| Aer Lingus AerClub | 1,000 Chase points = 1,000 Avios |
| Air Canada Aeroplan | 1,000 Chase points = 1,000 Aeroplan points |
| Air France-KLM Flying Blue | 1,000 Chase points = 1,000 Flying Blue miles |
| British Airways Club | 1,000 Chase points = 1,000 Avios |
| Iberia Club | 1,000 Chase points = 1,000 Avios |
| JetBlue TrueBlue | 1,000 Chase points = 1,000 Trueblue points |
| Singapore Airlines KrisFlyer | 1,000 Chase points = 1,000 KrisFlyer miles |
| Southwest Airlines Rapid Rewards | 1,000 Chase points = 1,000 Southwest points |
| United Airlines MileagePlus | 1,000 Chase points = 1,000 United miles |
| Virgin Atlantic Flying Club | 1,000 Chase points = 1,000 Virgin points |
Most Chase transfers process instantly, though transfer times can vary by the airline.
How to transfer Chase Ultimate Rewards
- Sign in to your Chase account.
- Open Ultimate Rewards.
- Select Transfer Points to Partners.
- Choose your airline loyalty program.
- Enter the number of points you’d like to transfer and confirm.
Citi ThankYou Rewards
Citi airline transfer partners
Citi ThankYou Rewards points are transferable to the following airline loyalty programs.
| Program | Transfer Ratio |
| Air France-KLM Flying Blue | 1,000 Citi points = 1,000 Flying Blue miles |
| American Airlines AAdvantage | 1,000 Citi points = 1,000 AAdvantage miles |
| Avianca LifeMiles | 1,000 Citi points = 1,000 Avianca LifeMiles |
| Cathay Pacific Asia Miles | 1,000 Citi points = 1,000 Asia Miles |
| Emirates Skywards | 1,000 Citi points = 800 Skywards miles |
| Etihad Guest | 1,000 Citi points = 1,000 Etihad miles |
| EVA Air Infinity MileageLands | 1,000 Citi points = 1,000 EVA Air miles |
| JetBlue TrueBlue | 1,000 Citi points = 1,000 TrueBlue points |
| Qantas Frequent Flyer | 1,000 Citi points = 1,000 Qantas points |
| Qatar Airways Privilege Club | 1,000 Citi points = 1,000 Avios |
| Singapore Airlines KrisFlyer | 1,000 Citi points = 1,000 KrisFlyer miles |
| Thai Airways Royal Orchid Plus | 1,000 Citi points = 1,000 Thai miles |
| Turkish Airlines Miles&Smiles | 1,000 Citi points = 1,000 Turkish miles |
| Virgin Atlantic Flying Club | 1,000 Citi points = 1,000 Virgin points |
Note: Transfer ratios vary depending on your Citi ThankYou-earning card. Be sure to confirm the transfer ratio that applies to your account before transferring points.
Most Citi transfers process instantly, though transfer times can vary by the airline.
How to transfer Citi ThankYou Rewards
- Sign in to ThankYou.com.
- Select Points Transfer.
- Choose your airline partner.
- Enter the number of ThankYou points you’d like to transfer.
- Confirm your transfer.
U.S. Bank Altitude Rewards
U.S. Bank airline transfer partners
U.S. Bank Altitude Rewards points are transferable to the following airline loyalty programs.
| Program | Transfer Ratio |
| Air France-KLM Flying Blue | 1 U.S. Bank Rewards point = 1 Flying Blue mile |
| Ethiopian Airlines ShebaMiles | 1 U.S. Bank Rewards point= 1 ShebaMile |
| Qantas Frequent Flyer | 1 U.S. Bank Rewards point= 1 Qantas point |
Most U.S. Bank transfers process instantly, though transfer times can vary by the airline.
How to transfer U.S. Bank Altitude Rewards
- Sign in to your U.S. Bank account.
- Open your rewards dashboard.
- Select Transfer Points.
- Choose your airline loyalty program.
- Enter the number of points to transfer and confirm.
Wells Fargo Rewards
Wells Fargo airline transfer partners
Wells Fargo Rewards points are transferable to the following airline loyalty programs.
| Program | Transfer Ratio |
| Aer Lingus AerClub | 1 Wells Fargo point= 1 Avios |
| Air France-KLM Flying Blue | 1 Wells Fargo point= 1 Flying Blue mile |
| Avianca LifeMiles | 1 Wells Fargo point= 1 LifeMile |
| British Airways Club | 1 Wells Fargo point= 1 Avios |
| Cathay Pacific Asia Miles | 1 Wells Fargo point= 1 Asia Mile |
| Iberia Plus | 1 Wells Fargo point= 1 Avios |
| JetBlue TrueBlue | 1 Wells Fargo point= 1 TrueBlue point |
| Virgin Atlantic Flying Club (via Virgin Red) | 1 Wells Fargo point= 1 Virgin point |
Most Wells Fargo transfers process instantly, though transfer times can vary by the airline.
How to transfer Wells Fargo Rewards
- Sign in to your Wells Fargo account.
- Select Wells Fargo Rewards.
- Tap See All Options, then Rewards Points Transfer.
- Choose your airline partner.
- Enter the number of points you’d like to transfer.
- Review the information and submit your transfer.
Things to Know Before You Transfer
Transfers are usually final
In most cases, transfers from a credit card rewards program to an airline loyalty account can’t be reversed.
Before transferring your points, make sure you’ve found the award flight you want, and you’re ready to complete the booking.
Transfer times can vary
Most transfers happen within minutes, but not every airline processes transfers at the same speed.
Occasionally, transfers may take several hours or even a few days. And your first transfer to a particular airline loyalty program may also take longer than subsequent transfers, especially if your loyalty account hasn’t been linked before.
While delays are relatively uncommon, they’re worth keeping in mind if you’re booking an award with limited availability.
Transfer bonuses can stretch your points further
Banks periodically offer transfer bonuses that increase the number of airline miles you receive from the same number of credit card points.
For example, a 25% transfer bonus means 10,000 transferable credit card points become 12,500 airline miles instead of the usual 10,000.
Before transferring your points, check our Current Credit Card Transfer Bonuses guide to see whether an active promotion could help you receive more airline miles.
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