We love transferable bank card factors right here at TPG.
The flexibility to switch your rewards to a variety of airline and resort loyalty packages at a second’s discover offers worthwhile flexibility to maximise your journey. You are not locked right into a single redemption scheme as you intend your journeys. If you cannot discover the seats out there in a single program, you may select one other program earlier than transferring any bank card factors. If a program devalues with out discover, you may merely swap to a unique program on your subsequent factors switch.
With dozens of various switch choices, it may be tough to recollect simply what number of choices you will have.
This is a helpful information that breaks down which bank card factors will be transferred to which airline and resort packages — together with their respective switch ratios. We additionally checklist our valuation of every switch companion, so you will get the perfect worth.
Associated: How (and why) you need to earn transferable factors in 2023
Airline switch companions
There are a couple of necessary notes to spotlight concerning these switch companions:
- Many transfers are instantaneous, although you need to take a look at our guides to switch occasions for Amex, Bilt, Capital One, Chase and Citi for extra particulars.
- Avios will be transferred between British Airways Government Membership, Iberia Plus, Aer Lingus and Qatar Airways Privilege Membership accounts in any route at a 1:1 ratio.
- Transfers from Capital One to Virgin Atlantic can occur utilizing both Flying Membership or Virgin Purple.
- Packages often supply switch bonuses — which we spotlight in our frequently-updated information to those bonuses.
Lastly, aside from EVA Air Infinity MileageLands and Finnair Plus, you may switch Marriott Bonvoy factors to all airline companions listed above at a price of three Bonvoy factors to 1 airline mile. You’ll obtain an extra 5,000 airline miles for each 60,000 Bonvoy factors transferred (besides United, which awards 10,000 bonus miles for each 60,000 factors transferred).
Associated: When does it make sense to switch Marriott factors to airways?
Lodge switch companions
Like airline companions, most resort transfers are instantaneous, although you may learn full particulars in our guides to switch occasions for Amex, Bilt, Capital One, Chase and Citi.
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The way to earn transferable factors
The easiest way to earn transferable bank card factors is with the appropriate bank card. Some packages assist you to earn factors via purchasing portals, however you want a bank card to qualify. This is a take a look at your finest choices:
American Specific Membership Rewards
Listed here are the preferred playing cards that earn American Specific Membership Rewards factors:
You may as well earn Amex factors by signing up for Rakuten and setting your incomes desire to Membership Rewards factors as an alternative of money again.
Learn extra: The way to earn bonus money again or Amex factors in your on-line purchasing purchases with Rakuten
Bilt Rewards
Bilt provides one bank card, the Bilt Mastercard® (see charges and costs). Cardmembers take pleasure in 1 level per greenback on lease (on as much as $100,000) with out the transaction price, 2 factors per greenback on journey (airfare, inns, cruises and rental automobiles) and three factors per greenback on eating. It’s essential to make not less than 5 transactions every month to earn factors. Better of all, the Bilt Mastercard has no annual price.
TPG founder Brian Kelly is a Bilt advisor and investor.
Chase Final Rewards
Listed here are the playing cards that earn absolutely transferable Final Rewards factors:
Nonetheless, you probably have one among these playing cards, you may as well mix your rewards from cash-back playing cards just like the Chase Freedom Flex and Chase Freedom Limitless right into a single account — successfully changing these cash-back earnings into absolutely transferable Final Rewards factors.
Capital One miles
Listed here are the playing cards that at the moment earn transferable Capital One miles:
The data Capital One Spark Miles Choose has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Citi ThankYou Rewards
Citi ThankYou Rewards has 17 airline and resort switch companions. At the moment, solely a single card is offered that provides transfers to all of those packages: Citi Premier® Card (see charges and costs). Notice that if you happen to’re nonetheless holding on to the Citi Status® Card — which is now not open to new candidates — you even have the complete switch advantages.
Nonetheless, like Chase Final Rewards, you may mix your Citi ThankYou Rewards factors right into a single account for choose merchandise, permitting you to successfully convert your fixed-value earnings from playing cards just like the Citi Rewards+® Card (see charges and costs) or Citi® Double Money Card (see charges and costs) into absolutely transferable ThankYou factors.
The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Backside line
A dizzying variety of switch choices can be found among the many 5 main bank card loyalty packages. Transferable factors are usually extra worthwhile than any single airline or resort level due to the added flexibility of selecting the place to ship your factors — and when to do it.
Bookmark this cheat sheet so your choices when making use of on your subsequent transferable-points-earning bank card or deciding in your subsequent redemption.
See Bilt Mastercard charges and costs right here.
See Bilt Mastercard rewards and advantages right here.
