Chase Ultimate Rewards
1.8 centsBest uses
Hyatt; United or Aeroplan; Southwest; Avios for select partner flights.
Airline partners
Aer Lingus, Aeroplan, Flying Blue, British Airways, Iberia, JetBlue, Singapore, Southwest, United, Virgin Atlantic
Hotel partners
IHG, Marriott, Wyndham, World of Hyatt*
Watch out: Sapphire Reserve and Sapphire Reserve for Business transfer to Hyatt at 1:1. Sapphire Preferred, Ink Business Preferred, Ink Plus and Corporate Flex transfer at 4:3.
Amex Membership Rewards
1.7 centsBest uses
Flying Blue awards; Aeroplan or LifeMiles; ANA; Avios; transfer bonuses when a booking is ready.
Airline partners
Aer Lingus, Aeromexico, Aeroplan, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Flying Blue, Iberia, JetBlue, Qantas, Qatar, Singapore, Virgin Atlantic
Hotel partners
Choice, Hilton, Marriott, Leading Hotels of the World
Watch out: Some partners transfer below 1:1. Excise tax applies to transfers to U.S. airline programs.
Capital One Miles
1.7 centsBest uses
Aeroplan; Flying Blue; LifeMiles; Turkish; Avios; Choice or I Prefer when the math works.
Airline partners
Aeromexico, Aeroplan, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, EVA Air, Finnair, Flying Blue, JAL, JetBlue, Qantas, Qatar, Singapore, TAP, Turkish, Virgin Atlantic Flying Club and Virgin Red
Hotel partners
Accor, Choice, I Prefer, Wyndham
Watch out: Several partners transfer below 1:1. Covering eligible travel purchases is the simple 1-cent fallback.
Citi ThankYou Points
1.7 centsBest uses
American Airlines; Flying Blue; LifeMiles; Turkish; Qatar; Choice or Preferred Hotels.
Airline partners
American, Avianca, Cathay Pacific, Emirates, Etihad, EVA Air, Flying Blue, Japan Airlines, JetBlue, Qantas, Qatar, Singapore, Thai, Turkish, Virgin Atlantic and Virgin Red
Hotel partners
Accor, Choice, Leaders Club, Preferred Hotels and Resorts, Wyndham
Watch out: Transfer access and ratios depend on the card. Premium ThankYou cards generally unlock the strongest ratios.
Bilt Points
2.0 centsBest uses
World of Hyatt; Atmos Rewards; United; Southwest; JAL; Aeroplan; high-value Rent Day bonuses.
Airline partners
Aer Lingus, Aeroplan, Atmos, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, Flying Blue, Iberia, JAL, Qatar, Southwest, TAP, Turkish, United, Virgin Atlantic, Virgin Red
Hotel partners
Accor, Hilton, IHG, I Prefer, Marriott, World of Hyatt, Wyndham
Rail partner
Amtrak Guest Rewards (2:1)
Watch out: Transfers are one-way. Minimum transfer requirements can vary by Bilt status. Bilt-to-Hyatt is 1:1 now and changes to 4:3 on January 1, 2027 (notice checked October 8, 2026).
Wells Fargo Rewards
1.5 centsBest uses
Choice at 1:2; Flying Blue; LifeMiles; Avios; Virgin Atlantic for selected awards.
Airline partners
Aer Lingus, Flying Blue, Avianca, British Airways, Cathay Pacific, Iberia, JetBlue, Virgin Atlantic, Virgin Red
Hotel partners
Choice, Wyndham
Watch out: A smaller partner list than the other programs, but Choice and Wyndham transfer at 1:2.