In short: among Chase, Amex, Capital One, Citi and Bilt, Delta and ANA are Amex only, American and Thai are Citi only, and Alaska, Hawaiian and Amtrak are Bilt only. United, Southwest and Hyatt are Chase or Bilt. Checked October 20, 2026.
If you mostly fly one airline, start there and work backwards to the card. For most airlines you have three or four banks to choose from. For these, you have one or two.
- Delta Amex
Amex is the only one of the five. A small fee applies on transfers to US airlines.
- ANA Amex
Only Amex.
- American Airlines Citi
Only Citi, since July 2025. 1:1 on the Strata cards, less on the no-fee ones.
- Alaska and Hawaiian (Atmos) Bilt
Only Bilt.
- Amtrak Bilt
Only Bilt, at 2:1.
- Thai Airways Citi
Only Citi.
- United Chase and Bilt
Nobody else.
- Southwest Chase and Bilt
Nobody else. Bilt transfers can take up to 72 hours.
- World of Hyatt Chase and Bilt
Both are moving some cards to 4:3.
The full list
| Partner | Only from | Worth knowing |
|---|---|---|
| Delta | Amex | A small fee applies on transfers to US airlines. |
| ANA | Amex | |
| American Airlines | Citi | Only Citi since July 2025. 1 to 1 on the Strata cards, less on the no-fee ones. |
| Thai Airways | Citi | |
| Alaska and Hawaiian (Atmos) | Bilt | |
| Amtrak | Bilt | 2 to 1. |
| United | Chase or Bilt | |
| Southwest | Chase or Bilt | Bilt transfers can take up to 72 hours. |
| World of Hyatt | Chase or Bilt | Both are moving some cards to 4 to 3. |
What this means for picking a card
- Delta flyer: Amex Membership Rewards is the only bank currency that gets there.
- American Airlines flyer: Citi, and the Strata cards give a better ratio than the no-fee ones.
- Alaska or Hawaiian: Bilt.
- United or Southwest: Chase or Bilt.
- Hyatt stays: Chase from a Sapphire Reserve keeps 1 to 1. The Hyatt change explains the rest.
You don't always need the airline's own miles
Airlines in the same alliance book each other's flights. So a "one bank only" airline is often bookable another way:
- United is in Star Alliance. Air Canada Aeroplan, Avianca LifeMiles, Singapore KrisFlyer and Turkish can book its flights, and Aeroplan alone is reachable from four of the five banks.
- American is in oneworld. British Airways, Iberia, Qatar, Cathay Pacific, Japan Airlines and Qantas can book its flights, and every bank reaches at least one of those.
- Delta is in SkyTeam. Air France-KLM Flying Blue, Virgin Atlantic and Aeromexico can book some of its flights, and all five banks reach Flying Blue and Virgin Atlantic.
Prices and availability differ by program, so check before you move points. Full list of partners, by bank: where your points can go.