Where your points can go: five banks, every partner

In short: Capital One and Bilt reach the most airlines (18 each). Amex is the only way into Delta and ANA, Citi the only way into American, and Bilt the only way into Alaska and Amtrak. Most transfers are 1 to 1, but not all. Checked October 20, 2026.

Bank points are only as good as the places you can send them. The five big programs overlap a lot, but each has a few partners nobody else has, and the ratios aren't always 1 to 1.

What stands out

1. Capital One and Bilt reach the most airlines. 18 each.
2. Amex is the only way into Delta and ANA.
3. Citi is the only way into American Airlines. Full 1 to 1 only on the Strata cards.
4. United and Southwest: Chase or Bilt, nobody else.
5. Hotels are thinner everywhere. Hyatt only from Chase and Bilt, Hilton only from Amex and Bilt, IHG only from Chase and Bilt.

The count, bank by bank

Every partner

Chase: Aer Lingus, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways, Iberia, JetBlue, Singapore KrisFlyer, Southwest, United, Virgin Atlantic. Hotels: World of Hyatt (1 to 1 or 4 to 3, depending on the card), Marriott Bonvoy, IHG One Rewards, Wyndham.

Amex: Aer Lingus, Aeromexico (1 to 1.6), Air Canada Aeroplan, Air France-KLM Flying Blue, ANA, Avianca LifeMiles, British Airways, Cathay Pacific (5 to 4), Delta, Emirates (5 to 4), Iberia, JetBlue (5 to 4), Qantas, Qatar Airways, Singapore KrisFlyer, Virgin Atlantic. Hotels: Hilton Honors (1 to 2), Marriott Bonvoy, Choice Privileges, Leading Hotels of the World (4 to 1).

Capital One: Aeromexico, Air Canada Aeroplan, Avianca LifeMiles, British Airways, Cathay Pacific, Emirates (4 to 3), Etihad, EVA Air (4 to 3), Finnair, Air France-KLM Flying Blue, Japan Airlines (4 to 3), JetBlue (5 to 3), Qantas, Qatar Airways, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Atlantic. Hotels: Choice Privileges, Wyndham, I Prefer (1 to 2), Accor (2 to 1).

Citi: Air France-KLM Flying Blue, American Airlines (1 to 1 on Strata cards), Avianca LifeMiles, Cathay Pacific, Emirates (5 to 4), Etihad, EVA Air, Japan Airlines, JetBlue, Qantas, Qatar Airways, Singapore KrisFlyer, Thai Airways, Turkish Airlines, Virgin Atlantic. Hotels: Accor (2 to 1), Choice Privileges (1 to 1.5), Leading Hotels of the World (5 to 1), I Prefer (1 to 2), Wyndham.

Bilt: Aer Lingus, Air Canada Aeroplan, Air France-KLM Flying Blue, Alaska and Hawaiian (Atmos), Avianca LifeMiles, British Airways, Cathay Pacific, Emirates, Etihad, Iberia, Japan Airlines, JetBlue, Qatar Airways, Southwest, TAP Air Portugal, Turkish Airlines, United, Virgin Atlantic. Rail: Amtrak (2 to 1). Hotels: World of Hyatt (1 to 1 until December 31), Marriott Bonvoy, Hilton Honors, IHG One Rewards, Wyndham, Accor (3 to 2), I Prefer (1 to 2).

Ratios that aren't 1 to 1

Most transfers are 1,000 bank points to 1,000 partner points. The ones that aren't are marked in the grid. A few to know:

• Amex to Hilton is 1 to 2. Sounds great, but Hilton points are worth far less each.
• Chase to Hyatt is 4 to 3 from the Sapphire Preferred and Ink Business Preferred. More on that here.
• Capital One to JetBlue is 5 to 3. You lose 40% on the way.
• Leading Hotels of the World is 4 to 1 from Amex and 5 to 1 from Citi.

Partners every bank shares

Air France-KLM Flying Blue, British Airways (except Citi), Air Canada Aeroplan (except Citi) and Virgin Atlantic show up almost everywhere. If one of these books your trip, any bank works and the choice comes down to ratio and any running transfer bonus.

Before moving anything

Transfers are one way. Find the seat or the room first, then transfer. Here's the order I use.