Transfer partner cheat sheet

Where each currency can go and at what ratio. Every row is checked against the program's own terms before it appears — a ratio we cannot stand behind is not shown at all rather than shown with a caveat.

Transfer ratios by currency and partner. Each row is a partner; each column is a card currency; each cell is the ratio and how long a transfer takes.
Partner	Chase Ultimate Rewards	American Express Membership Rewards	Capital One Miles	Citi ThankYou Points	Bilt Rewards	Wells Fargo Rewards
Aer Lingus AerClub airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	1:1 Notes Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Aeromexico Rewards airline	No transfer route	1:1.6 — better than 1:1 48 hours Minimum: 1,000 Increment: 1,000	1:1	No transfer route	No transfer route	No transfer route
Air Canada Aeroplan airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	1:1	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
American Airlines AAdvantage Oneworld	No transfer route	No transfer route	No transfer route	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	No transfer route	No transfer route
ANA Mileage Club Star Alliance	No transfer route	1:1 4 days Minimum: 1,000 Increment: 1,000	No transfer route	No transfer route	No transfer route	No transfer route
Atmos Rewards Oneworld	No transfer route	No transfer route	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Avianca LifeMiles airline	No transfer route	1:1 72 hours Minimum: 1,000 Increment: 1,000 Notes Amex caps transfers to avianca at 750,000 points, below the 999,000 that most partners allow.	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	1:1 Notes Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
British Airways Club airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	1:1	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	1:1 Notes Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Cathay airline	No transfer route	1:0.8 — worse than 1:1 48 hours Minimum: 1,000 Increment: 1,000	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	1:1 Notes Ratio stated in Wells Fargo's own release for this partner, dated 28 April 2026. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Delta SkyMiles Skyteam	No transfer route	1:1 48 hours Minimum: 1,000 Increment: 1,000	No transfer route	No transfer route	No transfer route	No transfer route
Emirates Skywards airline	No transfer route	1:0.8 — worse than 1:1 48 hours Minimum: 1,000 Increment: 1,000 Notes Account linkages are subject to the Emirates Skywards® program Terms and Conditions, which may affect the number of times you can link your Rewards Account per calendar year. If you are unable to link your Rewards Account, please contact Emirates for more information.	2:1.5 — worse than 1:1	1:0.8 — worse than 1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.56; Card: Citi Custom Cash® Card, Ratio: 1:0.56	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Etihad Guest airline	No transfer route	No transfer route	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
EVA Air Infinity MileageLands airline	No transfer route	No transfer route	2:1.5 — worse than 1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	No transfer route	No transfer route
Finnair Plus airline	No transfer route	No transfer route	1:1	No transfer route	No transfer route	No transfer route
Flying Blue airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	1:1 Notes Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Iberia Club airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	1:1 Notes Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Japan Airlines Mileage Bank airline	No transfer route	No transfer route	2:1.5 — worse than 1:1	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
JetBlue TrueBlue airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:0.8 — worse than 1:1 48 hours Minimum: 250 Increment: 250	5:3 — worse than 1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	No transfer route	1:1 Notes Ratio stated in Wells Fargo's own release for this partner, dated 4 November 2025. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Qantas Frequent Flyer airline	No transfer route	1:1 48 hours Minimum: 500 Increment: 500	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	No transfer route	No transfer route
Qatar Airways Privilege Club airline	No transfer route	1:1 48 hours Minimum: 1,000 Increment: 1,000 Notes Amex caps transfers to Qatar Airways Privilege Club at 750,000 points, below the 999,000 that most partners allow.	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Royal Orchid Plus Star Alliance	No transfer route	No transfer route	No transfer route	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	No transfer route	No transfer route
Singapore Airlines KrisFlyer airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	No transfer route	No transfer route
Southwest Rapid Rewards airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	No transfer route	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 72 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
TAP Miles&Go airline	No transfer route	No transfer route	1:1	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Turkish Airlines Miles&Smiles airline	No transfer route	No transfer route	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
United MileagePlus Star Alliance	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	No transfer route	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Virgin Atlantic Flying Club airline	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	No transfer route	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Virgin Red airline	No transfer route	No transfer route	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Accor Live Limitless hotel	No transfer route	No transfer route	2:1 — worse than 1:1	1:0.5 — worse than 1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.35; Card: Citi Custom Cash® Card, Ratio: 1:0.35	3:2 — worse than 1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Choice Privileges hotel	No transfer route	1:1 48 hours Minimum: 1,000 Increment: 1,000	1:1	1:1.5 — better than 1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:1.05; Card: Citi Custom Cash® Card, Ratio: 1:1.05	No transfer route	1:1 Notes Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Hilton Honors hotel	No transfer route	1:2 — better than 1:1 24 hours Minimum: 1,000 Increment: 1,000	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
I Prefer Hotel Rewards hotel	No transfer route	No transfer route	1:2 — better than 1:1	1:2 — better than 1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:1.4; Card: Citi Custom Cash® Card, Ratio: 1:1.4	1:2 — better than 1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
IHG One Rewards hotel	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	No transfer route	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Leaders Club hotel	No transfer route	1:0.25 — worse than 1:1 72 hours Minimum: 1,000 Increment: 1,000	No transfer route	1:0.2 — worse than 1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.14; Card: Citi Custom Cash® Card, Ratio: 1:0.14	No transfer route	No transfer route
Marriott Bonvoy hotel	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	1:1 48 hours Minimum: 1,000 Increment: 1,000	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
World of Hyatt hotel	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final. Ratio by card: Card: Chase Sapphire Preferred, Ratio: 4:3, Effective date: October 1, 2026; Card: Ink Business Preferred® Credit Card, Ratio: 4:3, Effective date: October 1, 2026	No transfer route	No transfer route	No transfer route	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	No transfer route
Wyndham Rewards hotel	1:1 Most by next business day; up to 7 business days Minimum: 1,000 Increment: 1,000 Notes Transfers are final.	No transfer route	1:1	1:1 24 hours to 14 days; see partner terms Minimum: 1,000 Increment: 1,000 Notes This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it. Ratio by card: Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7	1:1 Immediate in most cases; allow up to 48 hours Minimum: 2,000 Increment: 1,000 Notes Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.	1:2 — better than 1:1 Notes Ratio stated in Wells Fargo's own release for this partner, dated 15 April 2026. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.

Aer Lingus AerClub
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
- Wells Fargo Rewards 1:1
  
  Notes
  Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Aeromexico Rewards
airline
- American Express Membership Rewards 1:1.6 — better than 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Capital One Miles 1:1
Air Canada Aeroplan
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Capital One Miles 1:1
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
American Airlines AAdvantage
Oneworld
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
ANA Mileage Club
Star Alliance
- American Express Membership Rewards 1:1
  
  Time:
  4 days
  
  Minimum:
  1,000
  
  Increment:
  1,000
Atmos Rewards
Oneworld
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Avianca LifeMiles
airline
- American Express Membership Rewards 1:1
  
  Time:
  72 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Amex caps transfers to avianca at 750,000 points, below the 999,000 that most partners allow.
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
- Wells Fargo Rewards 1:1
  
  Notes
  Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
British Airways Club
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Capital One Miles 1:1
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
- Wells Fargo Rewards 1:1
  
  Notes
  Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Cathay
airline
- American Express Membership Rewards 1:0.8 — worse than 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
- Wells Fargo Rewards 1:1
  
  Notes
  Ratio stated in Wells Fargo's own release for this partner, dated 28 April 2026. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Delta SkyMiles
Skyteam
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
Emirates Skywards
airline
- American Express Membership Rewards 1:0.8 — worse than 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Account linkages are subject to the Emirates Skywards® program Terms and Conditions, which may affect the number of times you can link your Rewards Account per calendar year. If you are unable to link your Rewards Account, please contact Emirates for more information.
- Capital One Miles 2:1.5 — worse than 1:1
- Citi ThankYou Points 1:0.8 — worse than 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.56; Card: Citi Custom Cash® Card, Ratio: 1:0.56
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Etihad Guest
airline
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
EVA Air Infinity MileageLands
airline
- Capital One Miles 2:1.5 — worse than 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
Finnair Plus
airline
- Capital One Miles 1:1
Flying Blue
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
- Wells Fargo Rewards 1:1
  
  Notes
  Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Iberia Club
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
- Wells Fargo Rewards 1:1
  
  Notes
  Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Japan Airlines Mileage Bank
airline
- Capital One Miles 2:1.5 — worse than 1:1
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
JetBlue TrueBlue
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:0.8 — worse than 1:1
  
  Time:
  48 hours
  
  Minimum:
  250
  
  Increment:
  250
- Capital One Miles 5:3 — worse than 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Wells Fargo Rewards 1:1
  
  Notes
  Ratio stated in Wells Fargo's own release for this partner, dated 4 November 2025. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Qantas Frequent Flyer
airline
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  500
  
  Increment:
  500
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
Qatar Airways Privilege Club
airline
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Amex caps transfers to Qatar Airways Privilege Club at 750,000 points, below the 999,000 that most partners allow.
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Royal Orchid Plus
Star Alliance
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
Singapore Airlines KrisFlyer
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
Southwest Rapid Rewards
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 72 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
TAP Miles&Go
airline
- Capital One Miles 1:1
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Turkish Airlines Miles&Smiles
airline
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
United MileagePlus
Star Alliance
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Virgin Atlantic Flying Club
airline
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Virgin Red
airline
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Accor Live Limitless
hotel
- Capital One Miles 2:1 — worse than 1:1
- Citi ThankYou Points 1:0.5 — worse than 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.35; Card: Citi Custom Cash® Card, Ratio: 1:0.35
- Bilt Rewards 3:2 — worse than 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Choice Privileges
hotel
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Capital One Miles 1:1
- Citi ThankYou Points 1:1.5 — better than 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:1.05; Card: Citi Custom Cash® Card, Ratio: 1:1.05
- Wells Fargo Rewards 1:1
  
  Notes
  Wells Fargo named this partner at the launch of Points Transfer without stating a rate. The 1:1 is the program default from the card terms — "One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise" — rather than a figure quoted for this partner. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.
Hilton Honors
hotel
- American Express Membership Rewards 1:2 — better than 1:1
  
  Time:
  24 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
I Prefer Hotel Rewards
hotel
- Capital One Miles 1:2 — better than 1:1
- Citi ThankYou Points 1:2 — better than 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:1.4; Card: Citi Custom Cash® Card, Ratio: 1:1.4
- Bilt Rewards 1:2 — better than 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
IHG One Rewards
hotel
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Leaders Club
hotel
- American Express Membership Rewards 1:0.25 — worse than 1:1
  
  Time:
  72 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Citi ThankYou Points 1:0.2 — worse than 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.14; Card: Citi Custom Cash® Card, Ratio: 1:0.14
Marriott Bonvoy
hotel
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- American Express Membership Rewards 1:1
  
  Time:
  48 hours
  
  Minimum:
  1,000
  
  Increment:
  1,000
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
World of Hyatt
hotel
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
  
  Ratio by card:
  Card: Chase Sapphire Preferred, Ratio: 4:3, Effective date: October 1, 2026; Card: Ink Business Preferred® Credit Card, Ratio: 4:3, Effective date: October 1, 2026
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
Wyndham Rewards
hotel
- Chase Ultimate Rewards 1:1
  
  Time:
  Most by next business day; up to 7 business days
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  Transfers are final.
- Capital One Miles 1:1
- Citi ThankYou Points 1:1
  
  Time:
  24 hours to 14 days; see partner terms
  
  Minimum:
  1,000
  
  Increment:
  1,000
  
  Notes
  This is Citi’s premium-group rate, for the Citi Strata Elite, Citi Strata Premier, Prestige and AT&T Access More cards. Every other ThankYou card — ThankYou Preferred, Citi Strata, Double Cash, Custom Cash, the Citi ThankYou Mastercard and the AT&T cards — transfers at 70% of it.
  
  Ratio by card:
  Card: Citi Double Cash® Card, Ratio: 1:0.7; Card: Citi Custom Cash® Card, Ratio: 1:0.7
- Bilt Rewards 1:1
  
  Time:
  Immediate in most cases; allow up to 48 hours
  
  Minimum:
  2,000
  
  Increment:
  1,000
  
  Notes
  Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed.
- Wells Fargo Rewards 1:2 — better than 1:1
  
  Notes
  Ratio stated in Wells Fargo's own release for this partner, dated 15 April 2026. No minimum balance required, no waiting period to redeem, and points transfer in any amount — Wells Fargo publishes no minimum and no increment.

Transfer partner cheat sheet

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