Pick two points currencies to compare what each transfers to, the ratios, and a sweet-spot note, drawn from our transfer-partner guides. Choose one in each column.
Prefer prose to pickers? The Chase vs Amex comparison guide is the editorial companion to this tool.
How to read the comparison
The ratio is the headline, and it is also the easiest number to misread. A 1:1 transfer is the default across most bank programs, so it tells you the currency moves cleanly, not that the transfer is a good idea. What decides that is the award chart on the other side. Moving 60,000 points to a program that charges 120,000 for the seat you want is a clean 1:1 and still a bad trade.
The sweet-spot note is the part worth reading twice. It names the redemption where that program prices a seat or a room below what the cash fare implies, which is the whole reason to hold the points instead of taking cash back.
Two cautions. Transfer ratios change, sometimes with little notice, and a program that was 1:1 last year can be 1000:750 today, so confirm the current ratio in your bank portal before you move anything. And transfers are almost always one way. Once points leave Chase, Amex, Citi, or Capital One, they are stuck in the airline or hotel program, so decide the redemption first and transfer second.
Figures here are as of 2026.