Points Transfer Calculator

Frequently asked questions

What is a credit card points transfer ratio?

A transfer ratio defines how many partner points you receive for each issuer point you transfer. Most programs transfer at 1:1, meaning 1,000 Amex Membership Rewards equals 1,000 partner miles or points. However, some ratios differ — for example, Amex to Hilton is 1:2 (you receive 2 Hilton points per Amex point), while Amex to JetBlue is 250:200 (you receive slightly fewer JetBlue points than Amex points you transfer). Always verify the current ratio on your issuer's official transfer page before initiating any transfer.

Are credit card points transfers instant?

Transfers are generally one-way and permanent — once you transfer points to a partner program, you cannot move them back to your original account. Processing time varies by partner: some partners credit points instantly, while others take 2–5 business days. Always confirm your redemption target (flight, hotel, etc.) is available before initiating a transfer, since points cannot be reversed if your booking falls through.

How often do transfer ratios change?

Transfer ratios are set by issuers and can change without notice, especially during promotional bonus transfer periods. This tool shows verified ratios as of the listed date — always confirm the current ratio on your issuer's official transfer page before transferring. Promotional ratios (e.g., 30% bonus to a specific partner) are time-limited and are not reflected here.

Which credit card program has the most transfer partners?

Amex Membership Rewards has the most transfer partners of the four major programs covered here (Amex MR, Chase Ultimate Rewards, Capital One Miles, and Citi ThankYou). However, the best program for you depends on which specific airline or hotel partners you want to transfer to — different programs excel for different travel goals. Use this calculator to compare by selecting each program and reviewing the partners available.