Credit Card Transfer Partners by Points Currency
Every points currency in our database with at least 5 transfer partners: 13 currencies, each with its full partner list, ratios and transfer times.
Ranked by math · Compensation never changes the order · Methodology
Transferable points are worth more than cash back only when you move them to the right airline or hotel program. Pick the currency your cards earn to see every partner it reaches, the transfer ratio and how long a transfer usually takes, then check what each currency is worth and whether a transfer bonus is running.
Bank and card currencies
| Currency | Partners | Airline / hotel | Cards in our database |
|---|---|---|---|
| Chase Ultimate Rewards | 14 | 10 / 4 | 4 |
| Amex Membership Rewards | 22 | 18 / 4 | 8 |
| Citi ThankYou Points | 22 | 16 / 5 | 3 |
| Capital One Miles | 22 | 18 / 4 | 5 |
| Bilt Rewards | 27 | 19 / 7 | 3 |
| Wells Fargo Rewards | 11 | 9 / 2 | 0 |
Hotel and airline programs
| Currency | Partners | Airline / hotel | Cards in our database |
|---|---|---|---|
| Marriott Bonvoy | 37 | 37 / 0 | 6 |
| Hilton Honors | 25 | 25 / 0 | 4 |
| IHG One Rewards | 34 | 34 / 0 | 4 |
| World of Hyatt | 22 | 22 / 0 | 2 |
| Wyndham Rewards | 11 | 9 / 0 | 4 |
| Choice Privileges | 15 | 15 / 0 | 2 |
| Atmos Rewards | 5 | 0 / 5 | 3 |
How this page is built
Partner counts come from our transfer-partner table; a partner with two ratios (for different cards) counts once. Currencies with fewer than five partners do not get their own page.
Card details come from our database, which is verified against each issuer’s own website; see our methodology, editorial policy and corrections policy.
Questions, answered from the data
Which points currency has the most transfer partners?
Among bank and card currencies, Bilt Rewards with 27 partner programs in our database.
Why are hotel programs listed?
Hotel programs such as Marriott Bonvoy and Hilton Honors let you convert points into airline miles. The ratios are usually poor, so those pages are mainly a reference for topping off an award.