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Where can your points go?

Standard transfer partners and non-bonus ratios for six major rewards programs. Every result shows what 1,000 bank points become.

114 bank-to-partner optionsTypical rates only · transfer bonuses excluded

American Express

Membership Rewards
20 shown
  • Aer Lingus AerClubAirline partner
    1:11,000 → 1,000
  • Aeromexico RewardsAirline partner
    1:1.61,000 → 1,600
  • Air Canada AeroplanAirline partner
    1:11,000 → 1,000
  • ANA Mileage ClubAirline partner
    1:11,000 → 1,000
  • Avianca LifeMilesAirline partner
    1:11,000 → 1,000
  • British Airways ClubAirline partner
    1:11,000 → 1,000
  • Cathay Pacific Asia MilesAirline partner
    5:41,000 → 800
  • Delta SkyMilesAirline partner
    1:11,000 → 1,000
  • Emirates SkywardsAirline partner
    5:41,000 → 800
  • Air France-KLM Flying BlueAirline partner
    1:11,000 → 1,000
  • Iberia ClubAirline partner
    1:11,000 → 1,000
  • JetBlue TrueBlueAirline partner
    250:2001,000 → 800
  • Qantas Frequent FlyerAirline partner
    1:11,000 → 1,000
  • Qatar Airways Privilege ClubAirline partner
    1:11,000 → 1,000
  • Singapore KrisFlyerAirline partner
    1:11,000 → 1,000
  • Virgin Atlantic Flying ClubAirline partner
    1:11,000 → 1,000
  • Choice PrivilegesHotel partner
    1:11,000 → 1,000
  • Hilton HonorsHotel partner
    1:21,000 → 2,000
  • Marriott BonvoyHotel partner
    1:11,000 → 1,000
  • Leading Hotels of the WorldHotel partner
    4:11,000 → 250

These ratios require eligible U.S. Membership Rewards transfer access. Rewards Checking-only accounts have a limited partner selection.

Chase

Ultimate Rewards
14 shown
  • Aer Lingus AerClubAirline partner
    1:11,000 → 1,000
  • Air Canada AeroplanAirline partner
    1:11,000 → 1,000
  • Air France-KLM Flying BlueAirline partner
    1:11,000 → 1,000
  • British Airways ClubAirline partner
    1:11,000 → 1,000
  • Iberia ClubAirline partner
    1:11,000 → 1,000
  • JetBlue TrueBlueAirline partner
    1:11,000 → 1,000
  • Singapore KrisFlyerAirline partner
    1:11,000 → 1,000
  • Southwest Rapid RewardsAirline partner
    1:11,000 → 1,000
  • United MileagePlusAirline partner
    1:11,000 → 1,000
  • Virgin Atlantic Flying ClubAirline partner
    1:11,000 → 1,000
  • IHG One RewardsHotel partner
    1:11,000 → 1,000
  • Marriott BonvoyHotel partner
    1:11,000 → 1,000
  • Wyndham RewardsHotel partner
    1:11,000 → 1,000
  • World of HyattHotel partner
    1:1 / 4:3*1,000 → 1,000 / 750

World of Hyatt is 1:1 for Sapphire Reserve and Sapphire Reserve for Business. Sapphire Preferred, Ink Business Preferred, Ink Plus and Corporate Flex transfer at 4:3.

Capital One

Miles
22 shown
  • Aeromexico RewardsAirline partner
    1:11,000 → 1,000
  • Air Canada AeroplanAirline partner
    1:11,000 → 1,000
  • Avianca LifeMilesAirline partner
    1:11,000 → 1,000
  • British Airways ClubAirline partner
    1:11,000 → 1,000
  • Cathay Pacific Asia MilesAirline partner
    1:11,000 → 1,000
  • Emirates SkywardsAirline partner
    2:1.51,000 → 750
  • Etihad GuestAirline partner
    1:11,000 → 1,000
  • EVA Air Infinity MileageLandsAirline partner
    2:1.51,000 → 750
  • Finnair PlusAirline partner
    1:11,000 → 1,000
  • Air France-KLM Flying BlueAirline partner
    1:11,000 → 1,000
  • Japan Airlines Mileage BankAirline partner
    2:1.51,000 → 750
  • JetBlue TrueBlueAirline partner
    5:31,000 → 600
  • Qantas Frequent FlyerAirline partner
    1:11,000 → 1,000
  • Qatar Airways Privilege ClubAirline partner
    1:11,000 → 1,000
  • Singapore KrisFlyerAirline partner
    1:11,000 → 1,000
  • TAP Miles&GoAirline partner
    1:11,000 → 1,000
  • Turkish Airlines Miles&SmilesAirline partner
    1:11,000 → 1,000
  • Virgin RedAirline partner
    1:11,000 → 1,000
  • Accor Live LimitlessHotel partner
    2:11,000 → 500
  • Choice PrivilegesHotel partner
    1:11,000 → 1,000
  • I Prefer Hotel RewardsHotel partner
    1:21,000 → 2,000
  • Wyndham RewardsHotel partner
    1:11,000 → 1,000

Requires an eligible miles-earning account with transfer access. Capital One limits Choice transfers to U.S.-based Choice Privileges accounts.

Citi

ThankYou Rewards
20 shown
  • American Airlines AAdvantageAirline partner
    1:11,000 → 1,000
  • Air France-KLM Flying BlueAirline partner
    1:11,000 → 1,000
  • Avianca LifeMilesAirline partner
    1:11,000 → 1,000
  • Cathay Pacific Asia MilesAirline partner
    1:11,000 → 1,000
  • Emirates SkywardsAirline partner
    1:0.81,000 → 800
  • Etihad GuestAirline partner
    1:11,000 → 1,000
  • EVA Air Infinity MileageLandsAirline partner
    1:11,000 → 1,000
  • Japan Airlines Mileage BankAirline partner
    1:11,000 → 1,000
  • JetBlue TrueBlueAirline partner
    1:11,000 → 1,000
  • Qantas Frequent FlyerAirline partner
    1:11,000 → 1,000
  • Qatar Airways Privilege ClubAirline partner
    1:11,000 → 1,000
  • Singapore KrisFlyerAirline partner
    1:11,000 → 1,000
  • Thai Royal Orchid PlusAirline partner
    1:11,000 → 1,000
  • Turkish Airlines Miles&SmilesAirline partner
    1:11,000 → 1,000
  • Virgin Atlantic Flying Club and Virgin RedAirline partner
    1:11,000 → 1,000
  • Accor Live LimitlessHotel partner
    2:11,000 → 500
  • Choice PrivilegesHotel partner
    1:1.51,000 → 1,500
  • Leaders ClubHotel partner
    5:11,000 → 200
  • Preferred Hotels and ResortsHotel partner
    1:21,000 → 2,000
  • Wyndham RewardsHotel partner
    1:11,000 → 1,000

Ratios shown are for premium-tier ThankYou cards such as Strata Premier and Strata Elite. No-annual-fee cards generally transfer at 70% of these rates.

Bilt

Bilt Points
27 shown
  • Aer Lingus AerClubAirline partner
    1:11,000 → 1,000
  • Air Canada AeroplanAirline partner
    1:11,000 → 1,000
  • Atmos Rewards (Alaska + Hawaiian)Airline partner
    1:11,000 → 1,000
  • Avianca LifeMilesAirline partner
    1:11,000 → 1,000
  • British Airways ClubAirline partner
    1:11,000 → 1,000
  • Cathay Pacific Asia MilesAirline partner
    1:11,000 → 1,000
  • Emirates SkywardsAirline partner
    1:11,000 → 1,000
  • Etihad GuestAirline partner
    1:11,000 → 1,000
  • Air France-KLM Flying BlueAirline partner
    1:11,000 → 1,000
  • Iberia ClubAirline partner
    1:11,000 → 1,000
  • Japan Airlines Mileage BankAirline partner
    1:11,000 → 1,000
  • JetBlue TrueBlueAirline partner
    1:11,000 → 1,000
  • Qatar Airways Privilege ClubAirline partner
    1:11,000 → 1,000
  • Southwest Rapid RewardsAirline partner
    1:11,000 → 1,000
  • TAP Miles&GoAirline partner
    1:11,000 → 1,000
  • Turkish Airlines Miles&SmilesAirline partner
    1:11,000 → 1,000
  • United MileagePlusAirline partner
    1:11,000 → 1,000
  • Virgin Atlantic Flying ClubAirline partner
    1:11,000 → 1,000
  • Virgin RedAirline partner
    1:11,000 → 1,000
  • Amtrak Guest RewardsRail partner
    2:11,000 → 500
  • Accor Live LimitlessHotel partner
    3:21,000 → 667
  • Hilton HonorsHotel partner
    1:11,000 → 1,000
  • IHG One RewardsHotel partner
    1:11,000 → 1,000
  • I Prefer Hotel RewardsHotel partner
    1:21,000 → 2,000
  • Marriott BonvoyHotel partner
    1:11,000 → 1,000
  • World of HyattHotel partner
    1:11,000 → 1,000
  • Wyndham RewardsHotel partner
    1:11,000 → 1,000

World of Hyatt remains 1:1 today. Bilt has announced a 4:3 ratio beginning January 1, 2027. Blue members generally transfer at least 2,000 points; Silver, Gold and Platinum at least 1,000. Transfers use 1,000-point increments.

Wells Fargo

Wells Fargo Rewards
11 shown
  • Aer Lingus AerClubAirline partner
    1:11,000 → 1,000
  • Air France-KLM Flying BlueAirline partner
    1:11,000 → 1,000
  • Avianca LifeMilesAirline partner
    1:11,000 → 1,000
  • British Airways ClubAirline partner
    1:11,000 → 1,000
  • Cathay Pacific Asia MilesAirline partner
    1:11,000 → 1,000
  • Iberia ClubAirline partner
    1:11,000 → 1,000
  • JetBlue TrueBlueAirline partner
    1:11,000 → 1,000
  • Virgin Atlantic Flying ClubAirline partner
    1:11,000 → 1,000
  • Virgin RedAirline partner
    1:11,000 → 1,000
  • Choice PrivilegesHotel partner
    1:21,000 → 2,000
  • Wyndham RewardsHotel partner
    1:21,000 → 2,000

Transfers require an eligible points-based Wells Fargo Rewards account, such as Autograph or Autograph Journey. A cash-rewards card by itself does not establish transfer eligibility.

No transfer partners match that search.

Read ratios as bank points in → partner points out. For example, 1:2 means 1,000 bank points become 2,000 partner points. Transfers are generally one-way, so confirm award availability and the live ratio before moving points.

October 22 correction: Bilt added JetBlue TrueBlue as its 27th travel partner on October 20 at a 1:1 standard ratio. Citi transfers to Aeromexico ended January 25, 2026 and remain excluded. Chase confirms affected Preferred cards transfer to Hyatt at 4:3; Sapphire Reserve and Sapphire Reserve for Business remain 1:1. Bilt’s Hyatt ratio changes to 4:3 on January 1, 2027.

All 114 standard bank-to-partner entries were checked October 22, 2026 against current issuer or program sources. Sources: American Express, Chase, Capital One, Citi, Bilt, Amtrak, and Wells Fargo.