Where points become trips: Chase and Amex transfer partners, ratios, sweet spots, and the trifecta card setups that keep both balances growing between bonuses. Every ratio and award price on these pages carries the month it was checked, because transfer bonuses rotate monthly and award charts move without notice.
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Transfer partners: Chase, Amex, Citi, Capital One, Bilt.
Sweet spots: Avios, Flying Blue, Virgin Atlantic, KrisFlyer, all of them ranked.
Trip guides: Japan, Europe, Hawaii, the Maldives, an African safari.
How redemptions work: finding award space, surcharges, transfer bonuses, the Hyatt chart.
Hotel programs: Hyatt, Hilton, Marriott, IHG.
Delta: the companion certificate, finding eligible fares, SkyMiles sweet spots.
Bilt transfers to 25 programs as of June 2026, 19 airlines and 6 hotels, everything at 1:1 except Accor at 3:2. It is the rare program that earns points on rent payments.
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Capital One miles transfer to 18 airlines and 4 hotels as of June 2026, mostly at 1:1, and the list has quietly become competitive with Chase and Amex.
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Citi ThankYou points transfer to 15 airlines and 5 hotels, and 1 of those names does the heavy lifting for most redemptions.
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The Amex trifecta is the highest-earning 3 card stack in the points world: Gold at 4x on food, Platinum at 5x on flights, Blue Business Plus at 2x on everything else, all pooling into one Membership Rewards balance.
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The Chase trifecta is 3 cards doing 1 job: a Sapphire, a Freedom Flex, and a Freedom Unlimited pooling every point they earn into a single transferable balance, paying 1.5x to 8x on every dollar.
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American Express Membership Rewards is the deepest transferable currency in the US: 17 airline programs and 3 hotel programs as of June 2026.
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Chase Ultimate Rewards points transfer to 14 loyalty programs at 1:1, and Hyatt is the outlet the guides price everything against.
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