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How to Transfer Your Credit Card Points

To get the best value out of points, you’ll want to transfer them to airline and hotel partners. 


What does it mean to “transfer” points? 


Chase, American Express, Capital One, Citi, Bilt, etc. all offer “transferable” points that can be moved to an airline/hotel program. For example, Chase points (aka Ultimate Rewards) are accumulated within your Chase account, but can’t be used for best value travel purposes until they are transferred to United Airlines or British Airways. You could, in theory, use your Chase Points within the direct Chase travel portal to book your flights, but you are likely losing value on your points.

Instead of having to memorize which credit card point transfers to which airline or hotel, when you search for flights through Roame, we’ll automatically let you know which credit card points you can transfer to the airline partner!

Before transferring your points, always make sure to verify with the airline directly that there is availability for the award flight you're looking at (this is called phantom availability). This may require a quick call—otherwise, you risk irreversibly transferring your points.

Table Of Contents

Click here to navigate immediately to learn how to transfer your points for each of the major issuers:

  1. Chase
  2. American Express
  3. Bilt
  4. Capital One
  5. Citi

Transferring Chase Points: Ultimate Rewards

Chase has 11 airline and 3 hotel transfer partners where you can move your Chase Ultimate Rewards points to. Note: you can only transfer points if you have an active Chase Sapphire Preferred or Chase Sapphire Reserve.

  1. Navigate to your Ultimate Rewards portal
  2. Hover over “Travel” and click on “Transfer points to partners” from the dropdown menu
  3. Select the partner you want to transfer your Ultimate Rewards points to
  4. Click “Transfer Points”
  5. Select the recipient and verify their corresponding partner account
  6. Enter the amount of points you want to transfer
  7. Hit submit & wait for the points to transfer to the partner. You can verify the point have transferred by logging into your partner account and checking your points balance
  8. Search for the flight you're interested in on the partner website (use the same parameters as you did on the Roame website). Make sure to search using points, not cash!
  9. Find your flight and verify the costs are still the same
  10. Book the flight on the airline or hotel partner account before it disappears!

Point transfers are typically non reversible.

Transferring American Express Points: Membership Rewards

American Express (AMEX) has 18 airline and 3 hotel transfer partners where you can move your AMEX Membership Rewards points to. Note: you can only transfer points if you have an active Membership Rewards earning credit card (e.g. The Platinum Card, AMEX Gold Card, AMEX Green Card, etc.) 

  1. Login to your American Express account
  2. In the navbar, select “More” and navigate to “Rewards & Benefits”
  3. Then, click on “Earn and Redeem” and go to “Transfer Points.” On this page, you will see all 21 of AMEX’s transfer partners.
  4. Click “Show Details” of the partner you’d like to transfer your Membership Rewards points to
  5. Choose the number of points to transfer using the sliding bar or input the points to transfer
  6. Select the recipient account to transfer the points to
  7. Click “Review Transfer” and verify everything is correct before transferring. You can verify the point have transferred by logging into your partner account and checking your miles balance
  8. Search for the flight you're interested in on the partner website (use the same parameters as you did on the Roame website). Make sure to search using points, not cash!
  9. Find your flight and verify the costs are still the same
  10. Book the flight on the airline or hotel partner account before it disappears!

Point transfers are typically non reversible.

Transferring Bilt Points

Bilt has 12 airline and 2 hotel transfer partners where you can move your points to.

  1. Login to your Bilt Rewards account on your mobile device
  2. On the bottom navbar, select “Rewards” 
  3. On the top navbar, select “Travel”
  4. Scroll down to find the Bilt Loyalty Partners listed. Select the airline or hotel partner you’d like to transfer your points to
  5. If you’re transferring to the partner for the first time, you’ll have to enroll or link your airline or hotel account to Bilt
  6. Click “Transfer Points” and input the number of points you’d like to transfer to the airline/hotel partner. When finished, click “Next” in the top right
  7. Review the transfer and agree to the terms and conditions. Then, confirm the transfer. You can verify the point have transferred by logging into your partner account and checking your miles balance
  8. Search for the flight you're interested in on the partner website (use the same parameters as you did on the Roame website). Make sure to search using points, not cash!
  9. Find your flight and verify the costs are still the same
  10. Book the flight on the airline or hotel partner account before it disappears!

Point transfers are typically non reversible.

Capital One Rewards

Capital One Rewards has 15 airline and 3 hotel transfer partners where you can move your miles to. Note: you can only transfer points if you have an active travel and miles rewards earning Capital One card (e.g. VentureOne, Venture, Venture X)

  1. Login to your Capital One account
  2. On the main page of your eligible credit card, click “View Rewards” 
  3. Click “Convert Rewards,” where you’ll now be navigated to a list of all of Capital One’s transfer partner
  4. Find the airline or hotel partner you’d like to transfer your points to and click “Transfer Miles”
  5. If you’re transferring to the partner for the first time, you’ll have to enroll/link your airline or hotel account to Capital One 
  6. Input the total amount of miles you’d like to transfer to the partner program. You can verify the point have transferred by logging into your partner account and checking your miles balance
  7. Click “Complete Transfer;” if done successfully, you’ll receive an email confirmation showing the transfer
  8. Search for the flight you're interested in on the partner website (use the same parameters as you did on the Roame website). Make sure to search using points, not cash!
  9. Find your flight and verify the costs are still the same
  10. Book your flight using your points!

Point transfers are typically non reversible.

Citi Points: ThankYou Points

Citi has 14 airline and 3 hotel transfer partners where you can move your ThankYou points to. Note: you can only transfer points if you have an active Citi Premier® Card or Citi Prestige Card (no longer open to new applicants). 

  1. Login to your Citi account via www.thankyou.com 
  2. Select the participating airline or hotel program you want to transfer your ThankYou points to 
  3. Enter the number of ThankYou Points to transfer 
  4. Accept the terms and conditions and confirm the transfer. You can verify the point have transferred by logging into your partner account and checking your miles balance
  5. Search for the flight you're interested in on the partner website (use the same parameters as you did on the Roame website). Make sure to search using points, not cash!
  6. Find your flight and verify the costs are still the same
  7. Book the flight on the airline or hotel partner program before it disappears!

Point transfers are typically non reversible.

Final Thoughts

Transferring points can be a powerful way for you to maximize the value of your points and miles. Using Roame, you can easily search for award flights and then use this article as a reference to learn how to transfer your points so that you can take the flight of your dreams.