Transferable bank points reach 8 hotel programs, and the ratios are wildly uneven: the same 60,000 points can become a week of nights or a single Tuesday. Hyatt is the outlet that makes transfers worth it most often. Every ratio sits in the transfer partner chart.
Transferable bank points reach 8 hotel programs, and the ratios are wildly uneven: the same 60,000 points can become a week of nights or a single Tuesday depending on where you send them. The transfer partner chart documents every ratio; this guide is the map of which transfers earn their keep and the arithmetic for deciding.
The short version the chart already tells you: 1 program is the crown jewel, 2 big names are traps at their headline ratios, and the rest are situational. Everything below quotes the chart and the program guides directly.
The map: who reaches what
8 hotel programs appear on the chart. The ratios below are quoted exactly, and so are the chart’s own verdicts: Marriott at 1:1 is a transfer “into a cheaper currency” and “almost never the right move,” Hilton’s 1:2 “doubling flatters a cheap currency,” and World of Hyatt is “the crown jewel.” The 2 oddballs get chart notes too: Preferred’s 1:2 from Citi is “situational, like the Amex Hilton math,” and Accor’s below-1:1 ratios are “rarely correct.”
- World of Hyatt
- Chase 1:1 (Reserve) or 4:3 (Preferred), Bilt 1:1
- Marriott Bonvoy
- Chase 1:1, Amex 1:1, Bilt 1:1
- Hilton Honors
- Amex 1:2, Bilt 1:1
- IHG One Rewards
- Chase 1:1, Bilt 1:1
- Wyndham Rewards
- Chase 1:1, Citi 1:1, Capital One 1:1, Bilt 1:1
- Choice Privileges
- Amex 1:1, Citi better than 1:1, Capital One 1:1
- Accor ALL
- Citi 2:1, Capital One 2:1, Bilt 3:2
- Preferred I Prefer
- Citi 1:2
2 chart notes worth carrying with you: Wyndham is new for 2026 with flat-rate awards that pair well with vacation rental redemptions, and IHG runs dynamic pricing with occasional value at low-end properties.
| Hotel program | Feeds, per the transfer partner chart |
|---|---|
| World of Hyatt | Chase 1:1 from the Sapphire Reserve, 4:3 from the Sapphire Preferred and Ink Business Preferred; Bilt 1:1 |
| Marriott Bonvoy | Chase 1:1, Amex 1:1, Bilt 1:1 |
| Hilton Honors | Amex 1:2, Bilt 1:1 |
| IHG One Rewards | Chase 1:1, Bilt 1:1 |
| Wyndham Rewards | Chase 1:1, Citi 1:1, Capital One 1:1, Bilt 1:1 |
| Choice Privileges | Amex 1:1, Citi better than 1:1, Capital One 1:1 |
| Accor ALL | Citi 2:1, Capital One 2:1, Bilt 3:2 |
| Preferred I Prefer | Citi 1:2 |
Ratios quoted exactly from the section above, which carries the chart notes and verdicts.
Why Hyatt dominates
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The Hyatt award chart guide carries the full detail, and its numbers explain this site’s hotel bias. World of Hyatt rebuilt its chart on May 20, 2026: off-peak, standard, and peak seasons gave way to 5 price tiers per category, with corners at 3,000 points a night (category 1, Lowest tier) and 75,000 (category 8, Top tier). The guide’s test is the 2 cent benchmark, and its re-run under the new chart found mid-tier category 4 bookings in the low-20,000s against cash rates that commonly run $400-plus in season still clearing it, with Lowest-tier bookings beating it comfortably.
A published chart you can plan against, reachable at 1:1 from 2 currencies, with routine redemptions above 2 cents per point: no other hotel program on the chart offers that combination.
What Bilt adds
Per the Bilt transfer partners guide, Bilt points reach 27 programs as of October 2026, 19 airlines, 7 hotels and Amtrak, at 1:1 everywhere except Accor at 3:2, I Prefer at 1:2 and Amtrak at 2:1, with Hyatt moving to 4:3 on January 1, 2027. That is more hotel partners than any bank, and the currency comes from paying rent or a mortgage, plus the relaunched Card 2.0 program since January 2026. For hotel purposes Bilt is the only second door into Hyatt, and the only bank-adjacent path that covers Hyatt, Marriott, Hilton, IHG, and Wyndham at once. If you rent and you care about hotel nights, that guide is the companion read to this one.
The arithmetic against cash
This site publishes no fixed cents-per-point values, so the decision is a division you run at booking: the cash rate you would actually pay, divided by the points required. The points value finder does it for you. The Hyatt guide’s 2 cent benchmark is the only published yardstick here, and it belongs to Hyatt’s math specifically.
The trap the chart keeps flagging is the comfortable-looking 1:1 into a cheaper currency. A Marriott or IHG point buys far less per point than the transferable currency you fed in, so the division often loses to simply paying cash and keeping the points for flights.
- Hyatt at the sweet spots its guide documents, from Chase or Bilt
- Wyndham flat rates against vacation rentals, per the chart note
- Low-end Choice or IHG bookings when the division clears
- Any transfer you ran the numbers on before moving points
- Marriott and Hilton at their headline ratios, per the chart’s own notes
- Dynamic prices that track the cash rate, so the division rarely clears
- Any transfer made before checking a real cash rate: transfers are one-way
The booking order
The award-flight rule from the finding award space guide applies unchanged to hotels: transfers are one-way, so everything happens before points move. Confirm the room exists at the points price on the program’s own site, note the real cash rate for the same room and dates, run the division, and only then transfer. Hotel transfers generally post fast, which makes the order painless to follow and expensive to skip: points parked in a hotel program you fed speculatively have exactly 1 exit, and it is the program’s own award calendar.
Tiers, seasons, and dynamic pricing
Hotel pricing models decide whether a chart is even plannable. Hyatt’s old off-peak, standard, and peak seasons became 5 fixed tiers per category in May 2026, which keeps it a published chart you can plan against. IHG prices dynamically, per the chart. Wyndham sits at the other extreme with flat-rate awards, which is exactly what makes its vacation rental pairing work, and Choice earns its chart note about niche geographies by being occasionally strong where the big brands are thin. When award prices float with cash rates, the division from the last section tends toward the same answer as paying cash, which is why a plannable chart is worth more than any single ratio.
The risk paragraph
Programs reprice without notice; Hyatt itself rebuilt its chart on May 20, 2026, and moved the ceiling from 45,000 to 75,000 points. Every ratio above is quoted from the transfer partner chart as of its own checked dates, and every transfer is one-way: once bank points become hotel points, the flexibility premium is gone. Confirm the ratio and the cash rate at booking, and treat any of this that has aged as wrong until the chart says otherwise.
Related guides
- Delta Companion Certificate: 2026 Rules and How to Use It
- 7 airline sweet spots ranked by value
- Award surcharges: when fees decide the redemption
FAQ
Which bank points transfer to Hyatt?
Bilt at 1:1 (4:3 from January 1, 2027), and Chase Ultimate Rewards at 1:1 from the Sapphire Reserve or 4:3 from the Sapphire Preferred and Ink Business Preferred, per the transfer partner chart. No other bank currency on the chart reaches World of Hyatt, which is a large part of why Chase and Bilt anchor hotel strategies here.
Is transferring to Marriott or Hilton ever worth it?
Rarely. The chart’s own notes say it: Marriott at 1:1 is a transfer into a cheaper currency and almost never the right move, and Hilton’s 1:2 doubling flatters a cheap currency. Run the division against a real cash rate before moving anything.
What is the 2 cent benchmark?
The Hyatt award chart guide’s test: Hyatt’s reputation rests on routine redemptions above 2 cents per point, and mid-tier bookings under the May 2026 chart still clear it. Use the points value finder to run your own numbers.
The card most Hilton loyalists pair with these programs is the Hilton Honors Aspire.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.