A flow comparison of points
14 partners • All transfers 1:1 • Mostly instant
20 partners • ANA & Delta • 1,000-pt min
24+ partners • High value • 2,000-pt min
22 partners • Unique airlines • 1,000-pt min
22 airline + hotel partners, most 1:1, transfers from 1,000 miles
Click any airline to compare transfer ratios, speed, and availability.
Five programs, different strengths.
All 1:1, instant
*Hyatt 1:1 on Sapphire Reserve. 4:3 on Sapphire Preferred/Ink effective June 15 (new) / Oct 1 (existing).
Hilton 1:2 sweet spot
Ratios vary widely
Mostly 1:1, 4 partners
Hyatt & More
Best for Hyatt and United MileagePlus instant transfers. Simple 1:1 across all 14 partners with no devaluations.
Only major program with American Airlines AAdvantage 1:1 transfers. Also strong for Qatar, Turkish, and LifeMiles.
Best breadth: many 1:1 instant partners and unique access to Air Canada Aeroplan, British Airways, and Turkish Miles&Smiles at full 1:1.
The only program to earn points on rent with strong partners like World of Hyatt. Includes Alaska, JAL, and United.
Unmatched airline coverage including exclusive partners like ANA and Delta. Look out for frequent transfer bonuses.
Data sources: The Points Guy transfer partner guides for Chase, Citi, Capital One, Bilt, and Amex (updated Feb 13). All ratios verified. Transfer times: Chase — instant except Singapore KrisFlyer (~48h). Citi — instant to 14 days. Capital One — mostly instant; Cathay Pacific 24h, EVA Air 36h. Amex — mostly instant; ANA ~48h. US airlines incur an excise fee on Amex transfers.
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