Bank Points Guide
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[2026.11 Update] Copa Air (CM) is now a transfer partner of C1 at ratio 1:0.75.Copa Air (CM) is now a transfer partner of TYP at ratio 1:1.Also, a bunch of old content of this chart is updated.
[2026.9 Update] JL is now a transfer partner of Citi TYP points at ratio 1:1.
[2026.3 Update] MR->CX transfer ratio is lowered from 1:1 to 1:0.8 starting from 2026.3.1.
[2025.9 Update] JL is now a transfer partner of Capital One at ratio 1:0.75; QR is now a transfer partner of Capital One at ratio 1:1.
[2025.5 Update] JL is now a transfer partner of Bilt points at ratio 1:1.
Usage
- It is better to view this chart on desktop.The screens on mobile devices are usually too narrow to fully interact with the chart.
- Move your mouse over the hotel, bank, or airline name to highlight transfer relationships.
- Move your mouse over any line connecting a point and a point type to see the transfer ratio.
- The airlines are grouped by alliances, and inside each alliance the airlines are sorted alphabetically.
- You can use ctrl+F (or cmd+F) to quickly find an airline.
Note
- Chase UR is short for Chase Ultimate Rewards points; AmEx MR is short for American Express Membership Rewards points; Citi TYP is short for Citi ThankYou Points; C1 is short for Capital One Rewards.
- Citi TYP ratios shown assume an eligible premium ThankYou card, such as Citi Strata Elite, Citi Strata Premier, or Citi Prestige.
Ratios vary by card: for example, transfers to Copa ConnectMiles (CM) and Japan Airlines Mileage Bank (JL) are 1:1 with qualifying premium cards, but 1:0.7 with cards such as Citi Double Cash, Citi Custom Cash, and Citi Strata.Use the ratio available for your card when calculating a transfer.
- Marriott Bonvoy transfers to most airline programs at a base ratio of 3:1.The chart includes the standard bonus for transfers in multiples of 60,000 Bonvoy points; its effective ratios do not apply to every transfer amount.Each complete block of 60,000 points earns the bonus shown below; any remainder converts at the base ratio.
See the Marriott transfer rules and United partnership details.
| Marriott Bonvoy transfer destination | Base ratio | Bonus per 60,000 Bonvoy points | Total received for 60,000 points | Ratio shown in chart |
|---|---|---|---|---|
| Most airline partners | 3:1 | 5,000 miles | 25,000 miles | 3:1.25 |
| American AAdvantage (AA), Avianca LifeMiles (AV), Delta SkyMiles (DL) | 3:1 | None | 20,000 miles | 3:1 |
| United MileagePlus (UA) | 3:1 | 10,000 miles | 30,000 miles | 3:1.5 |
| Air New Zealand Koru (NZ) | 200:1 | 75 Airpoints | 375 Airpoints | 200:1.25 |
- Apart from Air France (AF), Flying Blue is also the frequent flyer program for KLM (KL) and TAROM (RO).These airlines are represented by the Air France node to save space.
- Apart from Lufthansa (LH), Miles & More is also the frequent flyer program for Austrian Airlines (OS), Brussels Airlines (SN), Croatia Airlines (OU), ITA Airways (AZ), LOT Polish Airlines (LO), and SWISS (LX).These airlines are represented by the Lufthansa node to save space.
- To save space, airlines sharing a frequent flyer program are generally grouped under a representative airline node, as with Flying Blue (Air France) and Miles & More (Lufthansa).
- In order to make this post easy to find, I’ve added it to the menu at the top of the website.In the menu, click Points and Miles -> Points and Miles Transfer Chart.
Text Table Version
| Transfer partner | Transfer ratio |
|---|---|
| Aer Lingus (AerClub/Avios) (EI) | 1:1 |
| Air Canada (Aeroplan) (AC) | 1:1 |
| Air France (Flying Blue) (AF) | 1:1 |
| British Airways (The British Airways Club/Avios) (BA) | 1:1 |
| Iberia (Iberia Club/Avios) (IB) | 1:1 |
| JetBlue (TrueBlue) (B6) | 1:1 |
| Singapore Airlines (KrisFlyer) (SQ) | 1:1 |
| Southwest (Rapid Rewards) (WN) | 1:1 |
| United Airlines (MileagePlus) (UA) | 1:1 |
| Virgin Atlantic (Flying Club) (VS) | 1:1 |
| Transfer partner | Transfer ratio |
|---|---|
| Aer Lingus (AerClub/Avios) (EI) | 1:1 |
| Aeroméxico (Aeromexico Rewards) (AM) | 1:1.6 |
| Air Canada (Aeroplan) (AC) | 1:1 |
| Air France (Flying Blue) (AF) | 1:1 |
| All Nippon Airways (ANA Mileage Club) (NH) | 1:1 |
| Avianca (LifeMiles) (AV) | 1:1 |
| British Airways (The British Airways Club/Avios) (BA) | 1:1 |
| Cathay Pacific (Asia Miles) (CX) | 1:0.8 |
| Delta Air Lines (SkyMiles) (DL) | 1:1 |
| Emirates (Skywards) (EK) | 1:0.8 |
| Iberia (Iberia Club/Avios) (IB) | 1:1 |
| JetBlue (TrueBlue) (B6) | 1:0.8 |
| Qantas (Frequent Flyer) (QF) | 1:1 |
| Qatar Airways (Privilege Club/Avios) (QR) | 1:1 |
| Singapore Airlines (KrisFlyer) (SQ) | 1:1 |
| Virgin Atlantic (Flying Club) (VS) | 1:1 |
| Transfer partner | Transfer ratio |
|---|---|
| Air France (Flying Blue) (AF) | 1:1 |
| American Airlines (AAdvantage) (AA) | 1:1 |
| Avianca (LifeMiles) (AV) | 1:1 |
| Cathay Pacific (Asia Miles) (CX) | 1:1 |
| Copa Airlines (ConnectMiles) (CM) | 1:1 |
| Emirates (Skywards) (EK) | 1:0.8 |
| Etihad (Etihad Guest) (EY) | 1:1 |
| EVA Air (Infinity MileageLands) (BR) | 1:1 |
| Japan Airlines (JAL Mileage Bank) (JL) | 1:1 |
| JetBlue (TrueBlue) (B6) | 1:1 |
| Qantas (Frequent Flyer) (QF) | 1:1 |
| Qatar Airways (Privilege Club/Avios) (QR) | 1:1 |
| Singapore Airlines (KrisFlyer) (SQ) | 1:1 |
| Thai Airways (Royal Orchid Plus) (TG) | 1:1 |
| Turkish Airlines (Miles&Smiles) (TK) | 1:1 |
| Virgin Atlantic (Flying Club) (VS) | 1:1 |
| Transfer partner | Transfer ratio |
|---|---|
| Aeroméxico (Aeromexico Rewards) (AM) | 1:1 |
| Air Canada (Aeroplan) (AC) | 1:1 |
| Air France (Flying Blue) (AF) | 1:1 |
| Avianca (LifeMiles) (AV) | 1:1 |
| British Airways (The British Airways Club/Avios) (BA) | 1:1 |
| Cathay Pacific (Asia Miles) (CX) | 1:1 |
| Copa Airlines (ConnectMiles) (CM) | 1:0.75 |
| Emirates (Skywards) (EK) | 1:0.75 |
| Etihad (Etihad Guest) (EY) | 1:1 |
| EVA Air (Infinity MileageLands) (BR) | 1:0.75 |
| Finnair (Finnair Plus) (AY) | 1:1 |
| Japan Airlines (JAL Mileage Bank) (JL) | 1:0.75 |
| JetBlue (TrueBlue) (B6) | 1:0.6 |
| Qantas (Frequent Flyer) (QF) | 1:1 |
| Qatar Airways (Privilege Club/Avios) (QR) | 1:1 |
| Singapore Airlines (KrisFlyer) (SQ) | 1:1 |
| TAP Portugal (TAP Miles&Go) (TP) | 1:1 |
| Turkish Airlines (Miles&Smiles) (TK) | 1:1 |
| Virgin Atlantic (Flying Club) (VS) | 1:1 |
| Transfer partner | Transfer ratio |
|---|---|
| Aer Lingus (AerClub/Avios) (EI) | 1:1 |
| Air Canada (Aeroplan) (AC) | 1:1 |
| Air France (Flying Blue) (AF) | 1:1 |
| Alaska / Hawaiian Airlines (Atmos Rewards) (AS) | 1:1 |
| Avianca (LifeMiles) (AV) | 1:1 |
| British Airways (The British Airways Club/Avios) (BA) | 1:1 |
| Cathay Pacific (Asia Miles) (CX) | 1:1 |
| Emirates (Skywards) (EK) | 1:1 |
| Etihad (Etihad Guest) (EY) | 1:1 |
| Iberia (Iberia Club/Avios) (IB) | 1:1 |
| Japan Airlines (JAL Mileage Bank) (JL) | 1:1 |
| JetBlue (TrueBlue) (B6) | 1:1 |
| Qatar Airways (Privilege Club/Avios) (QR) | 1:1 |
| Southwest (Rapid Rewards) (WN) | 1:1 |
| TAP Portugal (TAP Miles&Go) (TP) | 1:1 |
| Turkish Airlines (Miles&Smiles) (TK) | 1:1 |
| United Airlines (MileagePlus) (UA) | 1:1 |
| Virgin Atlantic (Flying Club) (VS) | 1:1 |
| Transfer partner | Transfer ratio |
|---|---|
| Aegean Airlines (Miles+Bonus) (A3) | 3:1.25 |
| Aer Lingus (AerClub/Avios) (EI) | 3:1.25 |
| Aeroméxico (Aeromexico Rewards) (AM) | 3:1.25 |
| Air Canada (Aeroplan) (AC) | 3:1.25 |
| Air China (PhoenixMiles) (CA) | 3:1.25 |
| Air France (Flying Blue) (AF) | 3:1.25 |
| Air New Zealand (Koru/Airpoints) (NZ) | 200:1.25 |
| Alaska / Hawaiian Airlines (Atmos Rewards) (AS) | 3:1.25 |
| All Nippon Airways (ANA Mileage Club) (NH) | 3:1.25 |
| American Airlines (AAdvantage) (AA) | 3:1 |
| Avianca (LifeMiles) (AV) | 3:1 |
| British Airways (The British Airways Club/Avios) (BA) | 3:1.25 |
| Cathay Pacific (Asia Miles) (CX) | 3:1.25 |
| China Southern Airlines (Sky Pearl Club) (CZ) | 3:1.25 |
| Copa Airlines (ConnectMiles) (CM) | 3:1.25 |
| Delta Air Lines (SkyMiles) (DL) | 3:1 |
| Emirates (Skywards) (EK) | 3:1.25 |
| Ethiopian Airlines (ShebaMiles) (ET) | 3:1.25 |
| Etihad (Etihad Guest) (EY) | 3:1.25 |
| Frontier (Frontier Miles) (F9) | 3:1.25 |
| Hainan Airlines (Fortune Wings Club) (HU) | 3:1.25 |
| Iberia (Iberia Club/Avios) (IB) | 3:1.25 |
| Japan Airlines (JAL Mileage Bank) (JL) | 3:1.25 |
| LATAM (LATAM Pass) (LA) | 3:1.25 |
| Qantas (Frequent Flyer) (QF) | 3:1.25 |
| Qatar Airways (Privilege Club/Avios) (QR) | 3:1.25 |
| Saudia (Al Fursan Loyalty) (SV) | 3:1.25 |
| Singapore Airlines (KrisFlyer) (SQ) | 3:1.25 |
| Southwest (Rapid Rewards) (WN) | 3:1.25 |
| TAP Portugal (TAP Miles&Go) (TP) | 3:1.25 |
| Thai Airways (Royal Orchid Plus) (TG) | 3:1.25 |
| Turkish Airlines (Miles&Smiles) (TK) | 3:1.25 |
| United Airlines (MileagePlus) (UA) | 3:1.5 |
| Virgin Atlantic (Flying Club) (VS) | 3:1.25 |
| Virgin Australia (Velocity) (VA) | 3:1.25 |
| Vueling (Vueling Club/Avios) (VY) | 3:1.25 |
