Which Credit Card Points Transfer To Choice Hotels?

Find out which partner credit cards earn rewards transferable to Choice Privileges and calculate which cards will earn you the most Choice Hotels points.

Written By: Robert Flowers III

Updated On: 11-03-2024

Quick Overview

Choice Hotels has three credit card transfer partners with over 15 cards that allow you to earn Choice points.
American Express Membership Rewards and Capital One miles transfer to Choice at a 1:1 rate.
Citi ThankYou Rewards offers the best transfer rate of 1,000 Citi points for 2,000 Choice points if you hold the Citi Strata Premier℠ Card.
Transferring points from other Citi-branded cards provides a lower rate of 2:3.

This page provides a full list of Choice credit card transfer partners and shows the conversion rates of partner rewards to Choice Hotel points. Use our calculator to find out which Choice credit card transfer partners will earn you the most points based on your monthly spending.

Choice Hotels credit card transfer partners

Citi ThankYou Rewards credit cards

Citi ThankYou Points can be transferred to Choice Hotels at a 1:2 ratio if you hold the Citi Strata Premier℠ Card or Citi Prestige Card. This means every 1,000 ThankYou Points you transfer to Choice will give you 2,000 Choice Hotel points.

With a transfer ratio of 1:2, Citi ThankYou Rewards is the best program for anyone that frequents Choice hotels. You can multiply the earning rates of any Citi credit card by 2 to get the equivalent in Choice Hotel points. For example, the unlimited 3X earnings of the Citi Strata Premier Card is equivalent to earning a whopping 6X Choice Hotel points!

Here are the ThankYou Rewards credit cards that allow you to transfer points to Choice Hotels:

AMEX Membership Rewards credit cards

American Express Membership Rewards points transfer to Choice Hotels at a 1:1 ratio. This means every 1,000 AMEX points you transfer will give you 1,000 Choice Hotels points.

Membership Rewards credit cards offer intro bonuses of 100,000 points or more which can net you a great amount of Choice Hotels points. You can also earn a very high amount of points across everyday purchases thanks to AMEX's high category multipliers.

Here are the Membership Rewards credit cards you can use to earn points transferable to Choice Hotels:

Capital One miles credit cards

Capital One miles transfer to Choice Hotels at a 1:1 ratio meaning every 1,000 miles you transfer will give you 1,000 Choice Hotels points.

Capital One Venture Rewards and Spark Rewards credit cards earn miles at a flat rate across all purchases meaning that you don't have to focus on bonus categories or mixing and matching cards to find the best combination.

Here are the Capital One miles credit cards you can use to boost your balance of Choice Hotels points:

Choice Privileges credit cards

Choice Hotels offers two co-branded credit cards that you can use to earn Choice Hotels points directly. If you frequent Choice brand hotels and you want to maximize your rewards, I highly recommend picking up at least one of their cards.

Here are the credit cards Choice offers:

What's the best credit card for Choice Hotels points?

Input your monthly and yearly spend amounts into our credit card finder tool to find out which credit cards will earn you the most Choice Hotels points and best return per $1 spent.

Results will include all co-branded Choice Hotels credit cards and all Choice Privileges credit card transfer partners. Results will show up to the top 20 cards.

Want More Customization?

This calculator uses our valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card. If you want to have control over these options and much more, check out this tool:

Rewards Credit Card Directory & Calculator: Choice Hotels Points

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

Currency Controls

Currencies

Sections of the calculator allows you to choose a currency. You will be able to choose from the options below. If you want more options, add them!

Currency Conversions

This site's currency rates update once per hour. If you have a different exchange rate in mind for any of the added currencies, you can change the rate here.

Calculator Options

Year 1 or Year 2+?

Year 1 - Calculate how much you will earn in your first year of being a cardmember. Includes Intro Bonuses (if toggled on) and will use the free or reduced first year annual fees for any cards that have them.

Year 2+ - Calculate how much the card will be worth the 2nd year and onward. Automatically turns off intro bonuses and will ignore first year free/reduced annual fees.

Include Intro Bonuses?

If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.

Note: We do not have intro bonuses for all credit cards (mainly partners and popular credit cards), and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.

Rewards Value

Input how much you value Rewards. This will be the value used in the calculator. Leave it blank if you want to use our valuation.

$0.0000 per point

Authorized Users

Some banks charge an additional fee to add family, friends, or employees to the credit card account. If you plan on adding authorized users to your credit card(s), you can enter that amount here.

Note: Some credit cards have a cap on how many authorized users you can add. While we do keep track of the fee structures, we do not keep track of caps. So be sure to check the rates and fees before applying.

Max of 100.

Income Maximum

Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household -AND- select the maximum income requirement you want listed in the results.

Income Type

Income Amount

Calculate Foreign Transaction Fees?

Many cards will charge you a foreign transaction fee when making purchases in a foreign currency. This is typically between 2.5% and 3% for most credit cards.

If set to yes, we will calculate the estimated fee for any spend entered into the calculator that is considered foreign. This amount will appear in the calculations as well.

Note: We do not have the foreign transaction fee rates for all credit cards.

Monthly/Yearly Spending

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Results Will Appear Here

No Results. This is usually due to:

There's no good card options based on the spend entered.
The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

Results

Listed below are the results based on what you entered into the tool above. These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card.

You can click on "Show Calculations" to see a breakdown of how the rewards were calculated, click on the card itself to learn more/apply through our partners (big thanks if you do!), or click on any of the other links to learn more about the card and it's rewards.

Do note that some of the calculations are rounded so it is possible that the estimated values may be off by a point or two when added up.

Remember that this particular tool uses our point/mile valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card. If you want to have control over these options and much more, slide over to the Rewards Credit Card Directory & Calculator.

These calculations should be used for illustrative purposes only.