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How Does LendingTree Get Paid?

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Credit Cards with Airline Mile Transfer Features

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.

When it comes to credit cards with airline mile transfer features, we’re often asked “how can I top off my XXX miles account?” or “how can I combine my miles?”

A commonly overlooked tool is credit cards that let you transfer the points you earn directly to the loyalty programs of top global airlines with no fee, except for small excise taxes.

Should you transfer your rewards?

Here are three reasons mile transfer is something you should consider:

  1. You can maximize the chances you’ll find a free ticket. By pooling your spending and points onto a credit card that lets you transfer them to airline mile programs, you have multiple options to get a ticket. For example, if Delta Air Lines doesn’t have the ticket availability you’re looking for, you may be able to transfer your points to another airline instead.
  2. You can ‘top off’ existing mileage accounts. You may find yourself with 44,000 miles in your airline mile account, but need 50,000 miles for a reward. By having miles banked up on a credit card that allows mile transfer, you can top off your account. Gifting miles to friends or relatives is also easier — you can often link the account of your spouse or an authorized user, letting you share your points. This works for American Express Membership Rewards® and Chase Ultimate Rewards®.
  3. You can take advantage of reward values. Not all airline miles programs charge the same amount of miles — even for the same seat on the same plane. Having points in a program that allows you transfer to multiple airline programs let you take advantage of every opportunity.

Below is a list of the programs that let you transfer points to miles at about a one-to-one conversion rate — so it’s an even exchange — and the credit cards associated with them.

Check out our post on credit scores needed for the top mile cards.

American Express Membership Rewards®

Credit cards: American Express® Gold Card, The Platinum Card® from American Express and The Amex EveryDay® Credit Card from American Express*.

Transfer options: You must be enrolled in an airline loyalty program. You will be charged $0.0006 per point redeemed, with a maximum fee of $99, to cover federal excise taxes.

  • AerLingus AerClub
  • AeroMexico Club Premier
  • Air Canada Aeroplan
  • Air France / KLM Flying Blue
  • Alitalia MilleMiglia
  • ANA (All Nippon Airways) Mileage Club
  • Asia Miles™
  • British Airways Executive Club
  • Delta SkyMiles®
  • El Al Frequent Flyer Club
  • Emirates Skywards
  • Etihad Guest
  • Hawaiian Airlines Hawaiian Miles
  • Iberia Plus
  • JetBlue True Blue
  • Singapore KrisFlyer
  • Virgin Atlantic Flying Club

Time to transfer points: Generally instant for Delta, Air Canada, British Airways and JetBlue; others vary up to a week.

Conversion rate: 1,000 Membership Rewards points to 1,000 airline miles, except for JetBlue TrueBlue, 250 points for 250 miles; and El Al, 1,000 points for 20 points.

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 back. You can now choose between Gold or Rose Gold.
  • 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.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • 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 |
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.

Chase Ultimate Rewards®

Credit cards: Chase Sapphire Preferred® Card, Chase Sapphire Reserve® and Ink Business Preferred℠ Credit Card.

Transfer options:

  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • Air France/KLM Flying Blue
  • British Airways Avios
  • Emirates Skywards®
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United Airlines MileagePlus®
  • Virgin Atlantic Flying Club

Time to transfer points: Generally instant. Singapore KrisFlyer can take up to 2 days.

Conversion rate: 1:1 for all partners.

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®

Credit card: Citi ThankYou® Preferred Card.

Transfer options:

  • Air France / KLM Flying Blue
  • Avianca LifeMiles
  • Asia Miles™
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Garuda Indonesia Frequent Flyer
  • Jet Airways Jet Privilege
  • JetBlue TrueBlue™
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Turkish Airlines Miles & Smiles
  • Virgin Atlantic Flying Club

Conversion rate: 1,000 points to 1,000 miles except for Virgin Atlantic’s Flying Club, 1,000 point to 1,300 miles (until October 13, 2018) and JetBlue TrueBlue, 1,000 points to 500 points.

Marriott Rewards®

Credit cards: Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Brilliant™ American Express® Card and Marriott Bonvoy Business™ American Express® Card.

Transfer options:

  • Aegean Airlines
  • Aeroflot Bonus
  • AeroMexico ClubPremier
  • Air Canada Aeroplan
  • Air China Phoenix Miles
  • Air France / KLM Flying Blue
  • Air New Zealand Airpoints
  • Alaska Airlines Mileage Plan
  • Alitalia MilleMiglia
  • ANA Mileage Club
  • American Airlines AAdvantage®
  • Asiana Airlines
  • Avianca LifeMiles
  • British Airways Executive Club
  • China Eastern Airlines Eastern Miles
  • China Southern Airlines
  • Copa Airlines ConnectMiles
  • Delta Air Lines SkyMiles®
  • Emirates Skywards
  • Etihad Guest
  • Frontier Airlines myFrontier
  • Hainan Airlines
  • Hawaiian Airlines HawaiianMiles®
  • Iberia Plus
  • Japan Airlines (JAL) Mileage Bank
  • Jet Airways JetPrivilege®
  • JetBlue TrueBlue™
  • Korean Air SKYPASS
  • LATAM Airlines LATAMPASS
  • Lufthansa Miles and More
  • Multiplus
  • Qantas Frequent Flyer
  • Qatar Privilege Club
  • Saudia Airlines Alfursan
  • Singapore Airlines KrisFlyer
  • South African Airways Voyager
  • Southwest Airlines Rapid Rewards®
  • TAP Air Portugal
  • Thai Airways Royal Orchid Plus
  • Turkish Airlines Miles & Smiles
  • United MileagePlus®
  • Virgin Atlantic Flying Club
  • Virgin Australia Velocity Frequent Flyer

Time to transfer points: Generally takes up to one week.

Conversion rate: 3 points for 1 mile; Air New Zealand is 200 Marriott points for 1 mile. Marriott Rewards adds 15,000 bonus points for every 60,000 points you transfer to airline miles.

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
  • Limited Time Offer: Earn 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Resort fees may apply. Terms apply. Offer expires 11/3/2021.  
  • 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 hotels participating in the Marriott Bonvoy™ program. 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.

Other factors to consider when transferring points

The time it takes to transfer. For example, American Express Membership Rewards and Chase Ultimate Rewards generally offer instant or same day transfer, so you can find the award seat you want, then transfer the miles quickly to book it. Starwood can take a week or more, which may be a hassle if you have a specific date in mind.

Consider where you already have a stash of miles. Pick a card that lets you transfer into a program that you fly most often. Chances are you’ll already have a stash of miles to build on, and this can help you get there faster when needed.

Bonuses for points transfers. Sometimes airlines will offer bonuses for transferring miles into their program — this can net you substantial value for your points, so keep a lookout on your card’s website.

Alliances maximize your value. Nearly every airline mile program lets you redeem for flights on airlines beside the one that hosts the miles. This is because of alliances, and there are three main groups — Star Alliance (United, Lufthansa, Swiss, ANA, Singapore, and many more), oneworld (American, British Airways, Iberia, JAL, Cathay Pacific, and more), and SkyTeam (Delta, Air France, KLM, Alitalia, Korean, and more).

Booking flights. Miles for any one of the alliance members can be used to book travel on flights operated by any other alliance member — the only catch is you can’t transfer points between airline accounts. For example, the great advantage here with the , that offers transfer to United, and British Airways, is that you can book travel on every one of the Star Alliance and oneworld carriers.

The information related to The Amex EveryDay® Credit Card from American Express, Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Business™ American Express® Card and Citi ThankYou® Preferred Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.