Transferable Points

Credit Card companies partner with various airline and hotel programs. Some even partner with multiple for the same card. These are referred to as transferable points. The 4 most popular transfer point programs are: Chase Ultimate Rewards, American Express Membership Rewards, SPG Points and Citi ThankYou Points.


Chase Ultimate Rewards. The following cards have transfer ability: Sapphire Reserve, Sapphire Preferred, Ink Plus, Ink Preferred, Ink bold


Airline Partners

Hotel Partners


American Express Membership Rewards. All cards that earn Membership Rewards have transfer ability.

Airline Partners

Starwood Preferred Guest or SPG Points. SPG points are some of the most valuable points in the game. They are very valuable for SPG stays and can be transferred to Marriott at a very nice 1:3 ratio. They can also be transferred to countless airlines with most a 1:1 ratio and if you transfer 20,000 points you’ll get bonused 5,000 additional points.

Airline Partners

Hotel Partners


Citi ThankYou Points. ThankYou points are my least favorite of this group, but they still have great value. You can transfer with the Citi Prestige, Citi Premier, and Citi Preferred cards.

Airline Transfer

Hotel Partner

As you can see you some programs join up with multiple banks.This helps if you’re planning a specific redemption and the ability to combine points will help out a bunch!

Once you start drilling into each of the programs you’ll start seeing benefits. I’ll be outlining my favorite programs at a later time.

Greek Island
Duffle Bag
Hotel view from balcony
Couple on the Beach
Poolside Hotel
Tropical Retreat
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