Points and Miles Transfer Calculator
Calculate the conversion of reward points and miles to other programs and get a list of the best credit cards for transferring points between programs.
Several rewards programs allows you to transfer your earned points and miles to other rewards programs. These types of programs offers the most flexibility in terms of how you can redeem your rewards and are generally the most popular programs due to such. This page lists the most popular rewards programs that allow you to transfer points to other programs and lists some of the best cards with each programs. You can also use the Points and Miles Transfer Calculator to calculate the transfer of points between programs.
Points and Miles Transfer Calculator
The Points and Miles Transfer Calculator will calculate the transfer of rewards points between the top rewards programs. If you want to search all transfer partners regardless of program popularity, you can use the Search By Transfer Partner tool.
American Express Membership Rewards
American Express Membership Rewards is one of the top reward programs in the United States alongside Chase and Citi. They have great handful of cards that focus on earning points on grocery, dining, gas, and travel. They also have several solid business cards that offer great earnings on everyday expenses.
Chase Ultimate Rewards
The Chase Ultimate Rewards Program is another top program in the United States. Points can be transferred to handful of airline and hotel rewards programs at a 1:1 ratio making it a solid option for build rewards in partner programs. The best thing is that you can convert your cash back earned with Chase into Ultimate Rewards Points and transfer it to partners as well assuming you own at least one Ultimate Rewards credit cards.
Citi ThankYou Rewards
The Citi ThankYou Rewards Program is another solid option for anyone trying to build up airline miles. Citi's airline partners has a focus on top international airlines such Emirates, Etihad, and Singapore. Anyone trying to score reward flights on five-star airlines will greatly benefit from the ThankYou Rewards Program since Citi's line up of cards offer an easy 2x to 5x points across various categories. Do note that you'll need to own either the Citi Prestige or Citi Premier card to transfer points to all of Citi's airline partners. Those with either card will also be able to convert and transfer the cash back earned with the Citi Double Cash to all partners.
Capital One Rewards
Capital One Rewards offers the ability to transfer Venture Miles (earned with personal cards) and Spark Miles (earned with business cards) to several airline and hotel reward programs. The rewards earned in these Capital One Rewards Programs are best used for wiping away travel purchases made to Venture and Spark credit cards, but you have the option to transfer your miles if wish. It's not a program in which the focus is earning points to transfer.
HSBC Rewards offers the ability to transfer points to small group of airline programs. The program is not mentioned as much as the other top programs listed on this page, but it's still a solid option for earning airline miles. HSBC has a good group of credit cards that comes with various benefits, plus you'll get additional HSBC perks based on your banking relationship.
Marriott Bonvoy Rewards
The Marriott Bonvoy Rewards Program is listed here due to the excellent 3:1 transfer ratio, the bonus 15,000 points you'll earn for every 60,000 points you transfer (which is an additional 5,000 miles with most airline programs), and the 40+ airline partners they have. Marriott Bonvoy Points are earned at a base rate of 10 points per $1 spent meaning you're looking at 3.33 airline miles per $1 spent. Add on points from Marriott Elite Status and Marriott Credit Cards and you can easily build up airline miles if you frequent Marriott properties.
Search By Transfer Partners
If the program you're looking for isn't listed here, you can find it using the Search By Transfer Partners tool which features over 80 programs. The tool will display all of the credit cards you can use to earn rewards with a program directly and all credit cards you can earn rewards using transfer partners.