Full information to airline and lodge switch companions for the most important bank card applications

We love transferable bank card factors right here at TPG.

The power to switch your rewards to a variety of airline and lodge loyalty applications at a second’s discover offers worthwhile flexibility to maximise your journey. You are not locked right into a single redemption scheme as you propose your journeys. If you cannot discover the seats accessible in a single program, you may select one other program earlier than transferring any bank card factors. If a program devalues with out discover, you may merely swap to a special program on your subsequent factors switch.

With dozens of various switch choices, it may be tough to recollect simply what number of choices you’ve.

Here is a useful information that breaks down which bank card factors may be transferred to which airline and lodge applications — together with their respective switch ratios. We additionally listing our valuation of every switch associate, so you may get the perfect worth.

Associated: How (and why) it’s best to earn transferable factors in 2023

Airline switch companions

KLM premium economic system. BEN SMITHSON/THE POINTS GUY

There are a couple of necessary notes to focus on relating to these switch companions:

Lastly, apart from EVA Air Infinity MileageLands and Finnair Plus, you may switch Marriott Bonvoy factors to all airline companions listed above at a fee of three Bonvoy factors to 1 airline mile. You’ll obtain an extra 5,000 airline miles for each 60,000 Bonvoy factors transferred (besides United, which awards 10,000 bonus miles for each 60,000 factors transferred).

Associated: When does it make sense to switch Marriott factors to airways?

Resort switch companions


Like airline companions, most lodge transfers are instantaneous, although you may learn full particulars in our guides to switch occasions for Amex, Bilt, Capital One, Chase and Citi.

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Methods to earn transferable factors


One of the best ways to earn transferable bank card factors is with the appropriate bank card. Some applications let you earn factors via procuring portals, however you want a bank card to qualify. Here is a have a look at your finest choices:

American Specific Membership Rewards

Listed below are the most well-liked playing cards that earn American Specific Membership Rewards factors:

You too can earn Amex factors by signing up for Rakuten and setting your incomes choice to Membership Rewards factors as a substitute of money again.

Learn extra: Methods to earn bonus money again or Amex factors in your on-line procuring purchases with Rakuten

Bilt Rewards

Bilt provides one bank card, the Bilt Mastercard® (see charges and costs). Cardmembers get pleasure from 1 level per greenback on lease (on as much as $100,000) with out the transaction price, 2 factors per greenback on journey (airfare, resorts, cruises and rental vehicles) and three factors per greenback on eating. It’s good to make not less than 5 transactions every month to earn factors. Better of all, the Bilt Mastercard has no annual price.

TPG founder Brian Kelly is a Bilt advisor and investor.

Chase Final Rewards

Listed below are the playing cards that earn totally transferable Final Rewards factors:

Nonetheless, if in case you have one in every of these playing cards, you may as well mix your rewards from cash-back playing cards just like the Chase Freedom Flex and Chase Freedom Limitless right into a single account — successfully changing these cash-back earnings into totally transferable Final Rewards factors.

Capital One miles

Listed below are the playing cards that at present earn transferable Capital One miles:

The knowledge Capital One Spark Miles Choose has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Citi ThankYou Rewards

Citi ThankYou Rewards has 17 airline and lodge switch companions. Presently, solely a single card is accessible that gives transfers to all of those applications: Citi Premier® Card (see charges and costs). Observe that in case you’re nonetheless holding on to the Citi Status® Card — which is now not open to new candidates — you even have the total switch advantages.

Nonetheless, like Chase Final Rewards, you may mix your Citi ThankYou Rewards factors right into a single account for choose merchandise, permitting you to successfully convert your fixed-value earnings from playing cards just like the Citi Rewards+® Card (see charges and costs) or Citi® Double Money Card (see charges and costs) into totally transferable ThankYou factors.

The knowledge for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Backside line

A dizzying variety of switch choices can be found among the many 5 main bank card loyalty applications. Transferable factors are usually extra worthwhile than any single airline or lodge level due to the added flexibility of selecting the place to ship your factors — and when to do it.

Bookmark this cheat sheet so you realize your choices when making use of on your subsequent transferable-points-earning bank card or deciding in your subsequent redemption.

See Bilt Mastercard charges and costs right here.
See Bilt Mastercard rewards and advantages
right here.

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