Travel loyalty programs
Transfer partners, ratios and what a point is actually worth, for the airline, hotel and credit card programs worth using. Every ratio here is checked against the program's own terms.
Tools
Credit card points programs
The transferable currencies you earn on a card and move to an airline or hotel. Every ratio here is checked against the issuer's own terms, with the date it was read.
- Credit Card Points Chase Ultimate Rewards Chase now lists all 14 transfer partners and their ratios on its public Sapphire Preferred benefits page, and the list matches the “Transfer to Travel Partners” screen this table was originally read from. Source: https://www.chase.com/sapphire-cards/personal/preferred, read 2026-09-11. 14 transfer partners
- Credit Card Points American Express Membership Rewards American Express states its transfer partners behind a sign-in. Our table will follow from a logged-in confirmation, dated, rather than from numbers copied elsewhere. 20 transfer partners
- Credit Card Points Capital One Miles Capital One publishes its full transfer lineup on its own site, ratios included, which makes it the one major card currency whose table can be verified end to end without an account. 22 transfer partners
- Credit Card Points Citi ThankYou Points Citi does not publish its transfer partners on any public page — the names are absent from the page entirely, not merely hidden. Our table will follow from a logged-in confirmation, dated. 23 transfer partners
- Credit Card Points Bilt Rewards Bilt announces each partner individually but its transfer page renders its list only in the browser. Our table will follow from a confirmed read, dated. 25 transfer partners
- Credit Card Points Wells Fargo Rewards Wells Fargo publishes each partner addition as a dated press release, on a newsroom that challenges automated readers. Our table will follow from a browser read, dated. 11 transfer partners
Airline loyalty programs
All 28 airline programsFrequent flyer programs, the currencies that transfer into them, and what the miles are worth. Award pricing only where the program publishes a chart.
- Airline Delta SkyMiles Delta SkyMiles is the loyalty program of Delta Air Lines, which describes earning "whether it’s flying, using your Delta SkyMiles American Express Card, with our SkyMiles partners or all the above." 1.17¢ per point
- Airline United MileagePlus 1.76¢ per point
- Airline American Airlines AAdvantage AAdvantage is the loyalty program of American Airlines, covering miles earned on American flights, flight upgrades, cruises and vacations, and partner experiences. 1.84¢ per point
- Airline Atmos Rewards Atmos Rewards is the combined loyalty program of Alaska Airlines and Hawaiian Airlines, announced 20 August 2025. Alaska describes it as "a first for any global airline," with members choosing to earn "by distance traveled, price paid or segments flown." 1.55¢ per point (The Points Guy)
- Airline JetBlue TrueBlue 1.34¢ per point
- Airline Southwest Rapid Rewards 1.44¢ per point
Hotel loyalty programs
All 9 hotel programsHotel loyalty programs, their elite tiers, free-night certificates and what a point is worth. Every tier carries the date it was read.
- Hotel Marriott Bonvoy 6 elite tiers
- Hotel Hilton Honors Hilton Honors is the loyalty program for Hilton, which the company reports as 9,400 properties across 28 brands in 144 countries and territories. 5 elite tiers
- Hotel World of Hyatt 4 elite tiers · 1.65¢ per point (The Points Guy)
- Hotel IHG One Rewards 5 elite tiers
- Hotel Wyndham Rewards 4 elite tiers
- Hotel Choice Privileges
Airport lounges
All 11 lounge networksWhich card opens which door, quoted from the issuer's own benefit terms. Guest allowances and enrollment requirements are where these benefits actually differ, so every rule carries its source.
- issuer lounge The Centurion Lounge 32 locations · 4 cards with access
- airline lounge Delta Sky Club 3 cards with access
- airline lounge United Club 2 cards with access
- airline lounge Admirals Club 3 cards with access
- issuer lounge Capital One Lounge 2 cards with access
- issuer lounge Chase Sapphire Lounge by The Club 8 locations · 2 cards with access
Latest program news
How Award Flights Work: Charts, Dynamic Pricing and What You Still Pay
September 5, 2026 · 10 min read
How to Transfer Credit Card Points: Rates, Minimums and Timing
September 5, 2026 · 10 min read
Admirals Club Access: Why Partner Elites Get In and AAdvantage Platinum Does Not
September 4, 2026 · 10 min read
United Club Access: The Fare Bucket That Decides Which Lounge You Get
September 4, 2026 · 10 min read
Delta One Lounge Access: Who Gets In, and Why You Cannot Buy It
September 4, 2026 · 10 min read
JetBlue Vacations Disney Packages: When the Bundle Beats Booking Apart
September 4, 2026 · 10 min read