By Joseph Hellman-Benjamin, Founder and CEO of The Points King. Last updated: October 18, 2026. Editorial Policy
How many miles do you get when you transfer bank points? At most Amex and Chase partners, one point becomes one mile. The exceptions matter: Amex sends Cathay Pacific and Emirates 4 miles for every 5 points, JetBlue 200 for every 250, and Hilton 2 points for every 1. Chase sends Hyatt 3 points for every 4 from the Sapphire Preferred and Ink Business Preferred. Transfers to Delta and JetBlue from Amex carry a small fee.
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Transfers cannot be reversed. Find the award seat first, then move the points.
American Express Transfer Ratios
| Partner | Ratio (Amex to partner) | Minimum | Travel value of the partner currency |
|---|---|---|---|
| Aer Lingus AerClub (Avios) | 1:1 | 1,000 | 1.40 cents |
| Aeromexico Rewards | 1:1.6 | 1,000 | Not valued |
| Air Canada Aeroplan | 1:1 | 1,000 | 1.50 cents |
| Air France-KLM Flying Blue | 1:1 | 1,000 | 1.40 cents |
| ANA Mileage Club | 1:1 | 1,000 | 1.40 cents |
| Avianca LifeMiles | 1:1 | 1,000 | 1.60 cents |
| British Airways Club (Avios) | 1:1 | 1,000 | 1.40 cents |
| Cathay Pacific Asia Miles | 5:4 | 1,000 | 1.30 cents |
| Delta SkyMiles | 1:1, plus a fee | 1,000 | 1.20 cents |
| Emirates Skywards | 5:4 | 1,000 | 1.20 cents |
| Iberia Club (Avios) | 1:1 | 1,000 | 1.40 cents |
| JetBlue TrueBlue | 5:4, plus a fee | 250 | 1.35 cents |
| Qantas Frequent Flyer | 1:1 | 500 | 1.25 cents |
| Qatar Airways Privilege Club (Avios) | 1:1 | 1,000 | 1.40 cents |
| Singapore Airlines KrisFlyer | 1:1 | 1,000 | 1.30 cents |
| Virgin Atlantic Flying Club | 1:1 | 1,000 | 1.50 cents |
| Choice Privileges | 1:1 | 1,000 | 0.85 cents |
| Hilton Honors | 1:2 | 1,000 | 0.40 cents |
| Leading Hotels of the World Leaders Club | 4:1 | 1,000 | Not valued |
| Marriott Bonvoy | 1:1 | 1,000 | 0.75 cents |
American Express charges 0.06 cents a point on transfers to Delta and JetBlue, capped at $99 a transfer. Hawaiian left the program on June 30, 2025 and Etihad on June 30, 2026; Leading Hotels of the World joined on July 28, 2026.
Chase Transfer Ratios
| Partner | Ratio (Chase to partner) | Travel value of the partner currency |
|---|---|---|
| Aer Lingus AerClub (Avios) | 1:1 | 1.40 cents |
| Air Canada Aeroplan | 1:1 | 1.50 cents |
| Air France-KLM Flying Blue | 1:1 | 1.40 cents |
| British Airways Club (Avios) | 1:1 | 1.40 cents |
| Iberia Club (Avios) | 1:1 | 1.40 cents |
| JetBlue TrueBlue | 1:1 | 1.35 cents |
| Singapore Airlines KrisFlyer | 1:1 | 1.30 cents |
| Southwest Rapid Rewards | 1:1 | 1.25 cents |
| United MileagePlus | 1:1 | 1.20 cents |
| Virgin Atlantic Flying Club | 1:1 | 1.50 cents |
| IHG One Rewards | 1:1 | 0.60 cents |
| Marriott Bonvoy | 1:1 | 0.75 cents |
| World of Hyatt (Sapphire Reserve) | 1:1 | 1.65 cents |
| World of Hyatt (Sapphire Preferred, Ink Business Preferred) | 4:3 | 1.65 cents |
| Wyndham Rewards | 1:1 | 0.55 cents |
Hyatt changed to 4:3 for the Sapphire Preferred and Ink Business Preferred on October 1, 2026; Sapphire Reserve cards keep 1:1. Emirates left the Chase list in October 2025. Chase transfers are made in 1,000-point steps.
Transfer Bonuses
Both banks run occasional bonuses, usually 15% to 30% to one partner for a few weeks. Frequent Miler counted about 15 Amex bonuses in the 12 months to September 2026. Enter the bonus in the calculator to see what you receive. A bonus is only worth acting on if you already have a use for the miles.
Before You Transfer
- Find the award seat on the partner’s website first. Transfers cannot be reversed.
- Check the name: the partner account must be in your name, or an authorized user’s at Amex.
- Check timing. Most transfers are instant; ANA, Iberia, Qatar and KrisFlyer can take up to a day or more.
- Compare the travel value. A 1:1 transfer to a currency worth 1.2 cents gives up value against points worth 2 cents at The Points Guy.
Frequently Asked Questions
Can I transfer Amex points to United?
No. United is not an Amex partner. Amex points can book United flights through Aeroplan, Avianca LifeMiles, ANA or KrisFlyer; see how to use Amex points on United.
Can I transfer Amex points to Hyatt?
Not directly. Hyatt is a Chase partner, not an Amex one. See what works for Hyatt.
How long do transfers take?
Most are instant. At Amex, ANA takes about a day, Cathay 4 to 8 hours, and Iberia, Qatar and KrisFlyer 12 to 24 hours. At Chase, KrisFlyer and Marriott can take up to about 72 hours.
More calculators: Credit card points value, First class miles, Cents per mile, or see all our calculators.
Sources
- American Express: Membership Rewards terms and conditions, April 2026
- American Express: transferring Membership Rewards points FAQ, read October 10, 2026
- Frequent Miler: Amex transfer partners and times, December 12, 2025
- Frequent Miler: current transfer bonuses, read October 10, 2026
- The Points Guy: Amex excise tax offset fee, April 26, 2026
- Frequent Miler: Leading Hotels of the World added, July 28, 2026
- NerdWallet: Chase Ultimate Rewards, updated September 22, 2026
- The Points Guy: monthly valuations, October 1, 2026