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The PDF teaches the decisions. This page keeps the longer partner lists within reach. Ratios and partners can change, so confirm the current terms before moving points.

Chase Ultimate Rewards

1.8 cents

Best 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 cents

Best 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 cents

Best 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 cents

Best 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 cents

Best 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 cents

Best 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.

*Chase World of Hyatt terms vary by eligible card. Ratios and partners can change. Check temporary transfer offers directly in your bank’s rewards account. Confirm the live ratio shown in your account before moving points.

Partner sources: Chase, American Express, Capital One, Citi, Bilt, Amtrak, and Wells Fargo. Audited October 1, 2026. October 8 corrections: Citi–Aeromexico transfers ended January 25, 2026. Chase confirms Ink Plus and Corporate Flex transfer to Hyatt at 4:3 effective October 1, 2026.