Credit CardsPrivate: Credit Cards > Travel
How Does LendingTree Get Paid?
| Advertising Disclosure

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Cheat Sheet: How Long Airline Point Transfers take for Amex, Chase and Citi Points

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

It’s always fun to have a credit card that gives you a lot of flexibility when it comes time to redeem the points you’ve earned. The opportunity to transfer your card points to an airline frequent flyer program can add up, allowing you to do everything from book a business class reward seat to bid on once-in-a-lifetime experiences.

American Express Membership Rewards®, Chase Ultimate Rewards® and Citi ThankYou® are three popular programs for points transfers to airline partners worldwide. But once you’ve decided to transfer your points to your airline of choice, how long will it take before they’re available for redemption?

It depends on the airline. Some transfers happen immediately, but others can take weeks for your points to be available to redeem. Below, we’ll go over the times for the airlines covered under each credit card rewards program.

American Express Membership Rewards

Cards eligible for airline points transfers:

American Express allows cardmembers to transfer their Membership Rewards points to 18 airline loyalty programs. Cardmembers must link their airline loyalty and Membership Rewards accounts in order to make any transfers. Most of these carrier transfers, at a minimum of 1,000-point increments, are 1,000 points to 1,000 miles. However, the airlines below have the following exceptions:

  • Aeromexico: 1,000 points equals 1,600 Club Premier points
  • El AL Israel Airlines: 1,000 points equals 20 Matmid points
  • JetBlue Airways: 250 points = 200 JetBlue TrueBlue® points; must be transferred in 250-point increments

American Express says it generally takes up to 24 to 48 hours to transfer Membership Rewards points to its airline partners, which can be done here. Below is our list of how long it takes to redeem after the miles are transferred to each airline.

Transferring American Express Membership Rewards Points
Airline Points Transfer Policy
AerClub (Aer Lingus) At the end of the monthly billing cycle
Aeroplan (Air Canada) Immediately
Aeromexico Up to seven days
Alitalia Millemiglia Between 3 and 20 working days
ANA Mileage Club (All Nippon Airways) Up to 5 business days
Asia Miles (Cathay Pacific) Between 3 and 7 days
Avianca Life Miles Immediately
British Airways Executive Club Immediately
Delta Air Lines Immediately, but allow for up to 48 hours
El Al Matmid Immediately
Etihad Guest 3 days
Flying Blue – Air France/KLM Immediately
Emirates Skywards Immediately
HawaiianMiles Immediately
Iberia Plus 3 days
JetBlue TrueBlue Immediately
Singapore KrisFlyer Between 2 and 4 weeks
Virgin Atlantic Flying Club Immediately in the UK, U.S., and Mexico

Disclosures |
The Platinum Card® from American Express
The Platinum Card® from American Express
on American Express's secure site
Terms Apply
N/A
See Pay Over Time APR
$695
5X Membership Rewards® points on flights booked directly with airlines or with
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
720 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Disclosures |
American Express® Gold Card
American Express® Gold Card
on American Express's secure site
Terms Apply
N/A
See Pay Over Time APR
$250
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and
  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
720 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Disclosures |
Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant™ American Express® Card
on American Express's secure site
Terms Apply
N/A
15.74%-24.74% Variable
$450
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at
  • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
640 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Chase Ultimate Rewards®

Cards eligible for airline points transfers:

Chase Ultimate Rewards allows members to transfer their points to nine airline partners at a full 1:1 value, considered one of the best redemptions in the industry. Points are transferred to the airlines immediately, but may not be able to be redeemed as quickly. Here’s how long it takes for redemption.

Transferring Chase Ultimate Rewards Points
Airline Points Transfer Policy
AerClub (Aer Lingus) At the end of the monthly billing cycle
Air Canada Aeroplan Immediately in most cases
British Airways Executive Club Immediately
Emirates Skywards Immediately
Flying Blue – Air France/KLM Immediately
Iberia Plus Immediately
JetBlue TrueBlue Immediately
Singapore KrisFlyer Between 2 and 4 weeks
Southwest Airlines Up to 72 hours
United Airlines Immediately, although it can sometimes take up to 7 business days.
Virgin Atlantic Flying Club Immediately

Disclosures |
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
15.99% - 22.99% Variable
$95
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Disclosures |
Chase Sapphire Reserve®
Chase Sapphire Reserve®
on Chase's secure site
N/A
16.99%-23.99% Variable
$550
5X total points on air travel and 10X total points on hotels
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Disclosures |
Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
on Chase's secure site
N/A
15.99%-20.99% Variable
$95
Earn 3 points per $1 on the first $150,000 spent in combined
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Citi ThankYou®

Card eligible for airline points transfers:

Citi allows cardmembers to transfer their ThankYou points to 15 airline partners in 1,000-mile increments. Once a request is completed here, points are transferred to a chosen airline partner immediately. Below we outline how long it will take to redeem your miles once they’re in your airline account.

Transferring Citi ThankYou Points
Airline Points Transfer Policy
Asia Miles At the end of the monthly billing cycle
Avianca Life Miles Immediately
Etihad Guest Up to 10 days
EVA Air 1-2 business days
Flying Blue – Air France/KLM Immediately
Garuda Indonesia 2 days
JetBlue TrueBlue Immediately
JetPrivilege Immediately
Malaysia Airlines Enrich 7 days
Qantas Frequent Flyer 5 days
Qatar Privilege Club Up to two days
Singapore KrisFlyer Between 2 and 4 weeks
Thai Royal Orchid Plus 7 days
Turkish Airlines Miles & Smiles 1-2 business days
Virgin Atlantic Flying Club Immediately

Disclosures |
Citi Premier® Card
Citi Premier® Card
on Citibank's secure site
N/A
15.99% - 23.99% (Variable)
$95
Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The bottom line

In the end, it’s good to have a card that gives you the option to move your points to airline and hotel loyalty programs. But look at the transfers carefully, because some miles are more equal than others.

Among the three cards, Chase offers the best value by offering 1:1 transfers. But it also has the least number of transfer partners. American Express and Citi are just about even with the number of airline partners, offering 1,000 points to 1,000 miles transfers.

But what’s most important is to know how long it will take for an airline to accept your transferred points, especially if you’re trying to book a quick trip or snag an upgrade on a planned flight. Knowing this will allow you to plan ahead and avoid any problems when it comes time to make your points transfers.

The information related to the The Amex EveryDay® Credit Card from American Express and the Citi Prestige® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.