Points Transfer Guide: How to Move Credit Card Points to Airline Miles
Compare current airline relationships, source-backed base ratios, amount limits, and issuer timing statements before moving points. Fields that public issuer sources do not establish remain visible as unknown and cannot produce a confident calculation.
Facts checked: September 22, 2026 (56 rechecked; 2 records retain September 16 source dates). Records automatically become STALE — REVIEW REQUIRED at their UTC review boundary or an earlier recorded stale trigger.
How Credit Card Points Transfers Work
Chase, American Express, Capital One, and Citi operate separate points currencies. A current relationship does not establish a universal ratio, eligibility rule, amount limit, or transfer time.
The rule that matters most: The issuer terms reviewed for this guide describe completed transfers as final or irreversible. Confirm award space and the issuer's live terms before submitting.
Before You Transfer: Run the Transfer Check
- Confirm award space for the exact route and dates.
- Confirm the issuer's live ratio, eligibility, amount limits, and timing.
- Compare the cash price with the points required plus award taxes and fees.
Airline Transfer Partners by Issuer
Chase Ultimate Rewards — Airline Transfer Partners
Ten current public Chase airline relationships are listed. The reviewed public Chase pages establish the roster and program-level timing, but not partner ratios, minimums, or maximums. Calculations are blocked until those fields are established from an approved first-party source.
| Airline Program | Base Ratio | Published Timing | Evidence | Qualification |
|---|---|---|---|---|
| United MileagePlus | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| Southwest Rapid Rewards | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| British Airways Club (Avios) | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| Air France–KLM Flying Blue | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| Air Canada Aeroplan | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| Singapore KrisFlyer | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| Virgin Atlantic Flying Club | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| Iberia Club | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| Aer Lingus AerClub (Avios) | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
| JetBlue TrueBlue | Not established | Most transfers process by the next business day; allow up to 7 business days. | Blocked | Current Chase partner. The reviewed public Chase pages do not establish this partner's ratio, minimum, or maximum; calculation is blocked. |
Public Chase transfer-partner and guidance pages were rechecked September 22, 2026. The Iberia Club record retains its September 16 source check; every other Chase record uses the September 22 check.
Official source ledger
American Express Membership Rewards — Airline Transfer Partners
Sixteen current airline relationships are supported by official American Express partner details. Ratios, limits, and estimated transfer times are shown exactly as reviewed; confirm the final issuer screen before submitting an irreversible transfer.
| Airline Program | Base Ratio | Published Timing | Evidence | Qualification |
|---|---|---|---|---|
| Delta SkyMiles | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Air Canada Aeroplan | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Air France–KLM Flying Blue | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| ANA Mileage Club | 1,000:1,000 | 4 days | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| British Airways Club (Avios) | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Cathay Pacific Asia Miles | 1,000:800 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Iberia Club | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Aer Lingus AerClub (Avios) | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Singapore KrisFlyer | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Virgin Atlantic Flying Club | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Avianca LifeMiles | 1,000:1,000 | 72 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Aeroméxico Rewards | 1,000:1,600 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Emirates Skywards | 1,000:800 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| JetBlue TrueBlue | 250:200 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Qantas Frequent Flyer | 500:500 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
| Qatar Airways Privilege Club (Avios) | 1,000:1,000 | 48 hours | Verified | Current ratio, amount limits, and estimated transfer time are established by the official American Express partner detail. |
Official American Express partner details and terms were rechecked September 22, 2026. All sixteen relationships use current record-level source checks and individual 60-day review deadlines.
Official source ledger
Capital One Miles — Airline Transfer Partners
Eighteen current airline relationships, ratios, and the 1,000-mile program minimum are supported by Capital One's public page. Partner timing, increments, and maximums were not established in that source, so the calculator labels its output as qualified ratio math only.
| Airline Program | Base Ratio | Published Timing | Evidence | Qualification |
|---|---|---|---|---|
| Aeroméxico Rewards | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Air Canada Aeroplan | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Avianca LifeMiles | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| British Airways Club (Avios) | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Cathay Pacific Asia Miles | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Etihad Guest | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Finnair Plus | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Air France–KLM Flying Blue | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Qantas Frequent Flyer | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Qatar Airways Privilege Club (Avios) | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Singapore KrisFlyer | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| TAP Miles&Go | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Turkish Miles&Smiles | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Virgin Red | 1:1 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Emirates Skywards | 2:1.5 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| EVA Air Infinity MileageLands | 2:1.5 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| Japan Airlines Mileage Bank | 2:1.5 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
| JetBlue TrueBlue | 5:3 | Not established by the reviewed public Capital One source. | Qualified | Ratio and 1,000-mile program minimum are verified. Increment, maximum, and partner-specific timing are not established by the reviewed public source. |
Capital One's public transfer-partner page was rechecked September 22, 2026. All eighteen records use the current source check and a 60-day review deadline.
Official source ledger
Citi ThankYou Points — Airline Transfer Partners
Fourteen current airline relationships remain after the owner-approved C1 removal of Aeroméxico. Citi's public responses expose numeric ratio variants, but do not publicly map every internal tier code to a named consumer product. Calculations are blocked until the account shows the applicable ratio.
| Airline Program | Base Ratio | Published Timing | Evidence | Qualification |
|---|---|---|---|---|
| American Airlines AAdvantage | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Air France–KLM Flying Blue | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Avianca LifeMiles | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Turkish Airlines Miles&Smiles | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Cathay Pacific Asia Miles | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Singapore Airlines KrisFlyer | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Virgin Atlantic Flying Club and Virgin Red | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. One transfer per member per 24 hours. |
| Etihad Guest | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Qatar Airways Privilege Club | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| JetBlue TrueBlue | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Emirates Skywards | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| EVA Air Infinity MileageLands | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
| Qantas Frequent Flyer | Product-dependent | Often within 24 hours; occasionally up to 5 business days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. One transfer per member per 24 hours. |
| Thai Airways Royal Orchid Plus | Product-dependent | Often within 7 days; occasionally up to 14 days. | Blocked | Current relationship and ratio variants are public, but product-to-ratio mapping is not established; calculation is blocked. |
Citi's public partner, conversion, and FAQ responses were rechecked September 22, 2026. The Avianca record retains its September 16 source check; every other Citi record uses the September 22 check.
Official source ledger
Which Points Reach Your Airline? (Reverse Lookup)
This matrix is derived from the same 58 relationship records. “Blocked” means the relationship is current but Camli cannot calculate it confidently from the reviewed public evidence.
| Airline Program | Chase | Amex | Capital One | Citi |
|---|---|---|---|---|
| United MileagePlus | Blocked | — | — | — |
| Southwest Rapid Rewards | Blocked | — | — | — |
| British Airways Club (Avios) | Blocked | 1,000:1,000 | 1:1 | — |
| Air France–KLM Flying Blue | Blocked | 1,000:1,000 | 1:1 | Blocked |
| Air Canada Aeroplan | Blocked | 1,000:1,000 | 1:1 | — |
| Singapore KrisFlyer | Blocked | 1,000:1,000 | 1:1 | — |
| Virgin Atlantic Flying Club | Blocked | 1,000:1,000 | — | — |
| Iberia Club | Blocked | 1,000:1,000 | — | — |
| Aer Lingus AerClub (Avios) | Blocked | 1,000:1,000 | — | — |
| JetBlue TrueBlue | Blocked | 250:200 | 5:3 | Blocked |
| Delta SkyMiles | — | 1,000:1,000 | — | — |
| ANA Mileage Club | — | 1,000:1,000 | — | — |
| Cathay Pacific Asia Miles | — | 1,000:800 | 1:1 | Blocked |
| Avianca LifeMiles | — | 1,000:1,000 | 1:1 | Blocked |
| Aeroméxico Rewards | — | 1,000:1,600 | 1:1 | — |
| Emirates Skywards | — | 1,000:800 | 2:1.5 | Blocked |
| Qantas Frequent Flyer | — | 500:500 | 1:1 | Blocked |
| Qatar Airways Privilege Club (Avios) | — | 1,000:1,000 | 1:1 | — |
| Etihad Guest | — | — | 1:1 | Blocked |
| Finnair Plus | — | — | 1:1 | — |
| TAP Miles&Go | — | — | 1:1 | — |
| Turkish Miles&Smiles | — | — | 1:1 | — |
| Virgin Red | — | — | 1:1 | — |
| EVA Air Infinity MileageLands | — | — | 2:1.5 | Blocked |
| Japan Airlines Mileage Bank | — | — | 2:1.5 | — |
| American Airlines AAdvantage | — | — | — | Blocked |
| Turkish Airlines Miles&Smiles | — | — | — | Blocked |
| Singapore Airlines KrisFlyer | — | — | — | Blocked |
| Virgin Atlantic Flying Club and Virgin Red | — | — | — | Blocked |
| Qatar Airways Privilege Club | — | — | — | Blocked |
| Thai Airways Royal Orchid Plus | — | — | — | Blocked |
Transfer Ratio Calculator States
- Chase: calculation blocked because public partner ratios are not established.
- American Express: verified arithmetic when the record is fresh and the amount satisfies partner limits.
- Capital One: qualified ratio math only because increment, maximum, and partner timing are not established.
- Citi: calculation blocked because public ratio variants are not completely mapped to consumer-facing product names.
Current Transfer Bonuses
Current bonus status: NOT ESTABLISHED. No bonus is applied without issuer terms establishing the offer, eligibility, start date, and end date.
Official Source Ledger
- https://www.chase.com/personal/credit-cards/education/basics/chase-transfer-partners-everything-you-need-to-know
- https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points
- https://global.americanexpress.com/rewards/transfer
- https://www.americanexpress.com/us/rewards/membership-rewards/terms/
- https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/
- https://www.thankyou.com/partnerProgramsListing-ajax.json?src=TYUSENG
- https://www.thankyou.com/getPartnerConversionRate-ajax.json
- https://www.thankyou.com/cms.htm?pageName=help&csccode=TYREWARD-PTXNG
Frequently Asked Questions
- How do credit card points transfers work?
- You can move points only to a loyalty program currently listed by your issuer. Ratios, eligibility, limits, and timing may vary by issuer, partner, or card product. Confirm the issuer's live transfer screen before submitting because completed transfers generally cannot be reversed.
- Can you reverse a credit card points transfer?
- The issuer terms reviewed for this guide describe completed transfers as final or irreversible. Check the issuer's current confirmation screen before submitting and confirm award space first.
- How do I check award space before transferring points?
- Search the loyalty program you plan to transfer into for your exact route and dates. If you are booking a partner flight, search with the program that will issue the award. Transfer only after the required seats are visible and the issuer screen confirms the ratio and terms.
- How long do points transfers take?
- Timing differs by issuer and partner. Chase says most transfers process by the next business day and to allow up to seven business days. American Express publishes partner estimates from 48 hours to four days. Citi publishes partner windows that can extend to 14 days. The reviewed public Capital One page did not establish partner-specific timing. These are estimates, not guarantees.
- What are transfer bonuses?
- Transfer bonuses are temporary issuer offers and are separate from base ratios. Camli has not established a complete current issuer bonus register for this page, so no bonus is applied to the calculator. Confirm any offer, dates, eligibility, and terms directly with the issuer.
- Can you transfer points between issuers?
- No. Chase, American Express, Capital One, and Citi points cannot be combined directly. Separate balances may be transferred into the same airline program only when each issuer currently supports that relationship and the loyalty account is eligible.
- Which issuer transfers to American Airlines AAdvantage?
- Citi's current public response lists American Airlines AAdvantage. The public response also shows product-dependent ratio variants without a complete consumer-facing product mapping, so Camli blocks the calculation and directs readers to confirm the applicable ratio in their Citi account.
- When is it better to pay cash than transfer points?
- Compare the total cash price with the points required plus award taxes and fees. This calculator performs transfer arithmetic only; it does not value an award, confirm inventory, or decide whether transferring is the better choice.