Every reviewed airline and hotel transfer option for Membership Rewards points, with standard ratios, expected timing, live bonuses, and the details that can change your decision.
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
Aeromexico
Aeromexico
Standard ratio
5:8
Typical time
4–5 days
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
ANA
All Nippon Airways
Standard ratio
1:1
Typical time
2–3 days
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Only from this tracked currency
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
LifeMiles
Avianca
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
Asia Miles
Cathay Pacific
Standard ratio
5:4
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
Delta
Delta Air Lines
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Only from this tracked currency
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
Emirates
Emirates
Standard ratio
5:4
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
JetBlue
JetBlue Airways
Standard ratio
5:4
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
Qantas
Qantas Airways
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
Qatar
Qatar Airways
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
KrisFlyer
Singapore Airlines
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
airline
Virgin Atlantic
Virgin Atlantic
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
VERIFIED DESTINATIONS
Hotels
4
hotel
Choice
Choice Hotels
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
hotel
Leaders Club
Leading Hotels of the World
Standard ratio
4:1
Typical time
Up to 72 hours
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
hotel
Marriott
Marriott International
Standard ratio
1:1
Typical time
Usually instant
Minimum transfer
1,000 points
Transfer increments
1,000-point steps
Account linking required
Important route details ＋
Exception: Partner eligibility, limits, timing, and ratios can change. U.S. airline transfers may incur an excise tax offset fee. Transfers are final.
Eligibility: An eligible U.S. Membership Rewards account and a linked loyalty account are required. Checking-only Membership Rewards accounts may have fewer transfer options.
Region: United States Membership Rewards program.
PORTFOLIO OVERLAP
Other points that reach the same programs
Shared destinations can let you combine balances indirectly by transferring each currency into the same loyalty account. Ratios and eligibility can still differ.
Use the database to narrow the path, then verify award space and live account terms before moving anything.
How many transfer partners does Amex have?＋
AskSebby currently tracks 20 reviewed Amex transfer partners: 16 airlines, 4 hotels.
Are all Amex transfers 1:1?＋
No. 6 currently reviewed routes have a standard ratio other than 1:1. Always confirm the live ratio before transferring.
Which points program overlaps most with Amex?＋
Bilt currently shares 12 tracked destinations with Amex. A shared destination does not guarantee equal ratios, timing, or card eligibility.
Can I move transferred points back to Amex?＋
Generally no. Flexible-points transfers are usually final. Confirm award availability, price, fees, passenger details, account eligibility, and the live ratio before moving points.
TURN POINTS INTO A TRIP
A transfer route is only the first decision
Compare booking programs, mileage prices, fees, timing, and realistic availability before choosing where your flexible points should land.
