---
title: "Transfer Partner Matrix 2026: Bank Points to Airlines & Hotels"
description: "Cross-bank transfer partner matrix for August 2026 — which currencies move to which programmes at what ratios. Verify live before transferring; we do not invent partner links."
url: "https://travelshifu.com/guides/transfer-partner-matrix"
category: "Points & Miles"
author: "James Whitfield"
date_published: "2026-08-08"
date_modified: "2026-08-08"
source: "TravelShifu"
---

# Transfer Partner Matrix 2026: Bank Points to Airlines & Hotels

Cross-bank transfer partner matrix for August 2026 — which currencies move to which programmes at what ratios. Verify live before transferring; we do not invent partner links.

> Reference guide — ratios, transfer times and expiry rules change without notice. Verify live on the issuer or programme site before moving points. Framework checked August 2026.

## What is a transfer partner matrix?

A transfer partner matrix maps each bank currency (Amex MR, Chase UR, Capital One, Citi ThankYou, Bilt) to airline and hotel programmes it can move into, with transfer ratios and whether the link is usually instant. Use it to shortlist partners — then confirm live in your portal before transferring.

This page is a desk reference checked August 2026 — not a live API. Partner lists change when banks add or drop links.

Deep dives: [Amex MR transfer partners](/guides/amex-membership-rewards-transfer-partners), [Chase Ultimate Rewards](/guides/chase-ultimate-rewards-complete-guide).

Never transfer without priced award space — see [what is a transfer partner](/guides/what-is-a-transfer-partner).

## Which partners do Amex and Chase share in August 2026?

Both Amex Membership Rewards and Chase Ultimate Rewards typically transfer to airlines including British Airways Avios, Air France-KLM Flying Blue, Virgin Atlantic, Air Canada Aeroplan and Singapore KrisFlyer, plus hotel partners such as Marriott Bonvoy and World of Hyatt — at programme-specific ratios. Exact partner sets differ; verify live before transferring.

Shared partners are not shared ratios — 1:1 on Chase may differ from Amex for the same airline.

Track temporary boosts in [transfer bonuses](/guides/transfer-bonuses).

Transfer timing varies — see [transfer times by programme](/guides/transfer-times-by-programme).

| Programme (examples) | Amex MR (typical) | Chase UR (typical) | Verify live |
| --- | --- | --- | --- |
| British Airways Avios | 1:1 | 1:1 | Yes — portal |
| Air Canada Aeroplan | 1:1 | 1:1 | Yes — portal |
| Flying Blue | 1:1 | 1:1 | Yes — portal |
| Virgin Atlantic | 1:1 | 1:1 | Yes — portal |
| Singapore KrisFlyer | 1:1 | 1:1 | Yes — portal |
| World of Hyatt | 1:1 | 1:1 | Yes — portal |
| Marriott Bonvoy | 1:1 (often) | 1:1 (often) | Yes — portal |
| United MileagePlus | Varies | 1:1 (Chase) | Yes — portal |

## What about Capital One, Citi ThankYou and Bilt?

Capital One, Citi ThankYou and Bilt Rewards each maintain their own partner lists with different ratios — Bilt is often strongest into Hyatt; Citi into Turkish or Etihad can matter for specific routes; Capital One into Avianca or Emirates fills niche gaps. Screenshot your portal the week you transfer — blogs go stale fast.

Bilt hub: [Bilt Rewards complete guide](/guides/bilt-rewards-complete-guide).

Trip matching: [which transferable currency for which trip](/guides/which-transferable-currency-for-which-trip).

We do not list every partner row here — issuer portals are authoritative.

| Bank currency | Notable partners (Aug 2026) | Caveat |
| --- | --- | --- |
| Bilt Rewards | Hyatt, Avios, United, Aeroplan | Rent Day bonuses vary |
| Capital One | Avianca, Emirates, Flying Blue, Wyndham | Partner set narrower than Amex/Chase |
| Citi ThankYou | Turkish, Etihad, Avianca, Choice | US card product dependent |
| Amex MR | ANA, Delta (US), Hilton, large airline set | See dedicated Amex guide |
| Chase UR | United, Hyatt, Southwest (US cards) | See dedicated Chase guide |

## How should you use this matrix without losing points?

Search award space first, price cash second, calculate cents-per-point third, transfer last. Use the matrix only to see which bank currency can reach your target programme — not to pick a programme because it appears on a chart.

Workflow: [award availability search guide](/guides/award-availability-search-guide).

Valuation floor: [how to value points redemptions](/guides/how-to-value-points-redemptions) and [points valuations tool](/tools/points-valuations).

Transfers are usually irreversible — treat wrong-programme transfers as expensive mistakes.

## Transfer partner matrix — verdict

Verdict: use this matrix as a shortlist, not a decision engine. Confirm every ratio and partner link live in your bank portal August 2026, then transfer only after bookable space appears. The matrix earns its keep when you know where you want to book — not when you are shopping for a reason to move points.

Framework checked August 2026 — partner lists change without notice.

Not for: transferring because a bonus headline looked exciting with no priced award.

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Canonical HTML: https://travelshifu.com/guides/transfer-partner-matrix
Last modified: 2026-08-08