Transfer Partners Compass

Golden Rule
No Undo
Confirm 4 seats before transferring anything.
What Transferable Means
Flexible
You choose where to send points when you're ready to book.
Family Warning
Surcharges
$300/person = $1,200 for four seats. See Surcharges tab.
Chase Ultimate Rewards
14 partners All 1:1 ratio Min 1,000 pts · No fees

Every partner transfers at a clean 1:1 ratio. No fees. Cards: Sapphire Preferred, Sapphire Reserve, Ink Business Preferred.

✈️ Airline partners
Loyalty Program Airlines Covered RatioSpeedSurcharges
Avios (IAG group)
British Airways · Iberia
Aer Lingus
Finnair
Qatar Airways
 1:1Instant⚡ Zero on AA/Alaska
Air Canada Aeroplan
Air Canada · United
SWISS · Lufthansa
+ 35 Star Alliance
 1:1Instant⚡ Zero on partners
Flying Blue
Air France · KLM
+ SkyTeam partners
 1:1Instant⚠️ Moderate
United MileagePlus
United
+ Star Alliance partners
 1:1Instant*⚡ Zero
Virgin Atlantic Flying Club
Virgin Atlantic
Delta
 1:1Instant⚡ Zero on Delta
Singapore KrisFlyer
Singapore Airlines
+ Star Alliance partners
 1:1~48 hrs ⚠️⚠️ Moderate–High
Southwest Rapid Rewards
Southwest
 1:1Instant⚡ Zero
JetBlue TrueBlue
JetBlue
 1:1Instant⚡ Zero

*United usually instant; occasional delays on first-time or large transfers.

🏨 Hotel partners
Loyalty Program Brands Covered RatioSpeedNotes
World of Hyatt ⭐
Park Hyatt · Grand Hyatt
Andaz · Hyatt Regency
Hyatt Ziva · Alila
 1:1InstantBest hotel value · Chase exclusive
IHG One Rewards
InterContinental · Kimpton
Hotel Indigo · Six Senses
 1:1InstantBetter with IHG Premier card
Marriott Bonvoy
Marriott · Sheraton · Westin
W Hotels · St. Regis
 1:1InstantGenerally poor value
Wyndham Rewards
Wyndham · La Quinta
Ramada · Days Inn · Super 8
 1:1Next biz dayLimited sweet spots
Amex Membership Rewards
17 airline + 3 hotel Min 1,000 pts Excise tax on Delta + JetBlue

Widest airline roster. Most partners at 1:1 — non-1:1 flagged. Small excise tax (~$0.0006/pt, cap $99) on Delta and JetBlue only. Cards: Platinum, Gold, Green, Business Platinum.

✈️ Airline partners
Loyalty Program Airlines Covered RatioSpeedSurcharges
Air Canada Aeroplan
Air Canada · United
SWISS · Lufthansa
+ 35 Star Alliance
 1:1Instant⚡ Zero on partners
Flying Blue
Air France · KLM
+ SkyTeam partners
 1:1Instant⚠️ Moderate
ANA Mileage Club
ANA · United
+ Star Alliance partners
 1:124–48 hrs🔴 High on ANA
Avios (IAG group)
BA · Iberia · Aer Lingus
Qatar Airways
 1:1Instant⚡ Zero on AA/Alaska
Avianca LifeMiles
Avianca · United
SWISS · Lufthansa
+ Star Alliance
 1:1Instant⚡ Zero
Virgin Atlantic Flying Club
Virgin Atlantic
Delta
 1:1Instant⚡ Zero on Delta
Singapore KrisFlyer
Singapore Airlines
+ Star Alliance partners
 1:1Instant⚠️ Moderate
Delta SkyMiles
Delta
+ SkyTeam partners
 1:1 + taxInstant⚡ Low
Qantas Frequent Flyer
Qantas · American
+ Oneworld partners
 1:1Instant⚠️ Moderate
Etihad Guest
Etihad Airways
 1:1Instant🔴 High
Emirates Skywards
Emirates
 5:4Instant🔴 Very high
Cathay Pacific Asia Miles
Cathay Pacific
+ Oneworld partners
 5:44–12 hrs⚠️ Moderate
JetBlue TrueBlue
JetBlue
 250:200 + taxInstant⚡ Zero
🏨 Hotel partners
Loyalty Program Brands Covered RatioSpeedNotes
Hilton Honors
Hilton · Conrad · Waldorf
DoubleTree · Hampton Inn
Embassy Suites · Curio
 1:2 ✓InstantBest hotel option for Amex
Marriott Bonvoy
Marriott · Sheraton · Westin
W Hotels · St. Regis
 1:1InstantGenerally poor value
Choice Privileges
Comfort Inn · Quality Inn
Clarion · Cambria · Radisson
 1:1InstantBudget-tier; limited value
Capital One Miles
22 partners — most of any program Min 1,000 miles · No fees

Largest and fastest-growing roster. Unique access to Qatar Airways and Turkish Airlines — not available on Chase or Amex. Non-1:1 ratios are flagged. Cards: Venture X, Venture, Spark Miles.

✈️ Airline partners
Loyalty Program Airlines Covered RatioSpeedSurcharges
Air Canada Aeroplan
Air Canada · United
SWISS · Lufthansa
+ 35 Star Alliance
 1:1Instant⚡ Zero on partners
Turkish Miles&Smiles
Turkish · United
+ Star Alliance partners
 1:1Instant⚡ Zero on United
Qatar Privilege Club
Qatar Airways
American · BA · Iberia
+ Oneworld partners
 1:1Instant⚠️ Moderate
Avios — BA / Iberia / Aer Lingus / Finnair
BA · Iberia · Aer Lingus
Finnair
American · Alaska
 1:1Instant⚡ Zero on AA/Alaska
Flying Blue
Air France · KLM
+ SkyTeam partners
 1:1Instant⚠️ Moderate
Avianca LifeMiles
Avianca · United
SWISS · Lufthansa
+ Star Alliance
 1:1Instant⚡ Zero
Singapore KrisFlyer
Singapore Airlines
+ Star Alliance
 1:1Instant⚠️ Moderate
Virgin Red
Virgin Atlantic
Delta
 1:1Instant⚡ Zero on Delta
Aeromexico Rewards
Aeromexico
+ SkyTeam partners
 1:1Instant⚠️ Moderate
TAP Miles&Go
TAP Air Portugal
+ Star Alliance
 1:1Instant⚠️ Moderate
Etihad Guest
Etihad Airways
 1:1Instant🔴 High
Japan Airlines Mileage Bank
Japan Airlines
+ Oneworld partners
 4:3Instant⚠️ Moderate
Emirates Skywards
Emirates
 4:3Instant🔴 Very high
EVA Air MileageLands
EVA Air
+ Star Alliance
 4:3~36 hrs⚠️ Moderate
JetBlue TrueBlue
JetBlue
 5:3Instant⚡ Zero
🏨 Hotel partners
Loyalty Program Brands Covered RatioSpeedNotes
I Prefer Hotel Rewards
Preferred Hotels
Legend · LVX · Lifestyle
 1:2 ✓InstantBoutique luxury globally
Wyndham Rewards
Wyndham · La Quinta
Ramada · Days Inn · Super 8
 1:1InstantFixed 3-tier chart
Choice Privileges
Comfort Inn · Quality Inn
Clarion · Cambria · Radisson
 1:1~24 hrsBudget-tier; limited value
Accor Live Limitless
Sofitel · Novotel
Fairmont · Raffles · Swissôtel
 2:12+ biz daysPoor transfer value

A $300/person surcharge is $1,200 across four tickets — enough to erase the entire points value. Know which airlines charge them before you transfer anything.

⚡ Zero Surcharges — these are the family-friendly routes
  • AA / Alaska — booked via any Avios program
  • United — booked via Aeroplan, Avianca LifeMiles, or Turkish Miles&Smiles
  • Delta — booked via Virgin Atlantic Flying Club or Virgin Red
  • Southwest — all bookings
  • JetBlue — all bookings
Award taxes on these routes typically run $5–$20 per person total.
⚠️ Low–Moderate ($50–$300/person) — often still worth it
  • Iberia flights
  • Aer Lingus flights
  • Air France / KLM flights
  • Qatar Airways flights
  • Singapore Airlines flights
  • Virgin Atlantic (flying their own flights, not Delta)
Run the full math. At $150/person × 4 = $600 in fees, you need a high CPP to stay above 2.0¢.
🔴 High — avoid for families unless you've run the numbers
  • British Airways long-haul flights ($400–$2,000+ per person)
  • Emirates flights (surcharges can exceed the value of the award)
  • ANA flights to Japan (~$500 roundtrip per person)
  • Etihad flights
At $400+ × 4 people, you're often better off paying cash. Always route via a partner airline where possible.
⚠️ The rule that never changes: Never transfer points before you've confirmed 4 seats on your target dates. Find the award, verify the space, then transfer. Once points move, they don't come back.

Airlines form alliances and share award space. That's why United shows up under Aeroplan, Avianca, and Turkish Miles&Smiles — they're all Star Alliance. The colored dots in the partner tables show which alliance each airline belongs to. Once you see it, it clicks.

Star Alliance
Major airlines
United · Air Canada · Lufthansa · SWISS · ANA · Singapore + 26 others
Book with
Aeroplan · Avianca LifeMiles · Turkish Miles&Smiles
Oneworld
Major airlines
American · British Airways · Iberia · Qantas · Finnair · Alaska + others
Book with
Avios · Qantas FF · Asia Miles · JAL Mileage Bank
SkyTeam
Major airlines
Delta · Air France · KLM · Aeromexico + others
Book with
Flying Blue · Delta SkyMiles · Virgin Atlantic (Delta only)
Independent
Airlines
Southwest · JetBlue · Emirates · Etihad · Qatar · Virgin Atlantic
What this means
No alliance. Book through each airline's own program only.
The practical upshot: If you want to fly United, five different loyalty programs can book it — pick whichever offers the best price and lowest surcharges for your route. That's the whole point of transferable points.

Partner lists and ratios accurate as of March 2026. Always verify at the program's website before transferring. Not financial advice.

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