Name: American Express® Gold Card
Brand: American Express

Quick summary

Transferable credit card points and miles offer the flexibility to move rewards to a variety of airline and hotel loyalty programs, maximizing travel value.
This guide outlines which points and miles transfer to which travel partners, including transfer ratios and up-to-date TPG valuations for each program as of March 2026.
Most major credit card rewards programs support transfers to numerous airline and hotel partners, with some programs offering more options than others.
The article highlights the importance of understanding transfer ratios, partner availability and the ability to combine points from different cards within the same rewards ecosystem.

What to consider

Transfer times can vary by program, so it's important to check specific guides for details before transferring.
Some loyalty programs offer periodic transfer bonuses, which can enhance the value of your points or miles.
Transfer ratios may differ depending on the card or product you hold, and certain hotel points can be transferred to airlines with bonus incentives for larger transfers.

What you'll miss from the article

A detailed chart mapping each rewards program to its airline and hotel partners, including transfer ratios and TPG's latest point and mile valuations.

Generated by AI with support from our editorial team.

We love transferable credit card points and miles here at TPG.

The ability to transfer your rewards to a wide range of airline and hotel loyalty programs provides valuable flexibility to maximize your travel. You’re not locked into a single redemption scheme as you plan your trips.

If you can’t find the seats available in one program, you can choose another program before transferring any credit card points or miles. If a program devalues its currency without notice, you can switch to a different program for your next points or miles transfer.

With dozens of different transfer possibilities, it can be difficult to remember just how many options you have.

Here’s a handy guide that highlights the best cards for transferable points and miles and breaks down which credit card points and miles you can transfer to which airline and hotel programs, along with their respective transfer ratios.

We also list our latest valuation for each transfer partner so you can get the best value to maximize your hard-earned points and miles.

Best credit cards for flexible transfer partners

The best way to earn transferable credit card points or miles is with the right credit card. Here are some of our favorite options from each issuer:

American Express Membership Rewards: American Express Platinum Card®
Bilt: Bilt Palladium Card (see )
Capital One miles: Capital One Venture X Rewards Credit Card
Chase Ultimate Rewards: Chase Sapphire Reserve® (see )
Citi ThankYou Rewards: Citi Strata Elite℠ Card (see )
Wells Fargo Rewards: Wells Fargo Autograph Journey® Card (see )

Airline transfer partners

Transfer partner	TPG valuation (March 2026)	American Express Membership Rewards	Bilt	Capital One miles	Chase Ultimate Rewards	Citi ThankYou Rewards*	Wells Fargo Rewards
Aer Lingus AerClub (Avios)	1.4 cents	1:1	1:1		1:1		1:1
Aeromexico Rewards	0.8 cents	1:1.6		1:1
Air Canada Aeroplan	1.4 cents	1:1	1:1	1:1	1:1
Air France-KLM Flying Blue	1.3 cents	1:1	1:1	1:1	1:1	1:1	1:1
American Airlines AAdvantage	1.7 cents					1:1
ANA Mileage Club	1.4 cents	1:1

*You can transfer Citi ThankYou Rewards points at a 1:1 ratio with certain Citi cards — the Citi Prestige® Card, Citi Strata Elite Card and Citi Strata Premier® Card (see ). Rewards with other Citi cards transfer at a 1:0.7 ratio.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

There are a few important notes to highlight regarding these transfer partners:

Many transfers are instantaneous, though you should check out our guides to transfer times for American Express, Bilt, Capital One, Chase and Wells Fargo for more details.
You can transfer Avios between Aer Lingus AerClub, British Airways Club, Finnair Plus, Iberia Club and Qatar Airways Privilege Club accounts in any direction at a 1:1 ratio.
Programs occasionally offer transfer bonuses, which we highlight in our frequently updated guide to transfer bonuses.

Finally, except for EVA Air Infinity MileageLands and Finnair Plus, you can transfer Marriott Bonvoy points to all airline partners listed above at a rate of 3 Bonvoy points to 1 airline point or mile.

You will receive an additional 5,000 airline points or miles for every 60,000 Bonvoy points transferred, except with the following airline programs: American Airlines AAdvantage, Avianca LifeMiles and Delta SkyMiles. Additionally, United MileagePlus awards 10,000 bonus miles for every 60,000 points transferred.

Hotel transfer partners

Loyalty program	TPG valuation (March 2026)	American Express Membership Rewards	Bilt Rewards	Capital One miles	Chase Ultimate Rewards	Citi ThankYou Rewards	Wells Fargo Rewards
Accor Live Limitless	2.0 cents		3:2	2:1		2:1
Best Western Rewards	0.6 cents
Choice Privileges	0.6 cents	1:1		1:1		1:2	1:2
Hilton Honors	0.5 cents	1:2	1:1
IHG One Rewards	0.5 cents		1:1		1:1
I Prefer Hotel Rewards	Not valued

*World of Hyatt transfers remain 1:1 for Sapphire Reserve and Chase Sapphire Reserve for Business℠ cardholders. New Chase Sapphire Preferred® Card holders who apply on or after June 15, 2026, can transfer Chase points to World of Hyatt at a 4:3 rate. Existing Sapphire Preferred cardholders will move to the 4:3 rate on Oct. 1, 2026. For Ink Business Preferred® Credit Card holders, the 4:3 transfer rate takes effect Oct. 1, 2026, for both existing cardholders and new applicants.

Patio at Eriro — ALEX MOLING/SMALL LUXURY HOTELS

As with transfers to airline partners, most transfers to hotel partners are instantaneous, though you can read more in our previously mentioned guides to transfer times for Amex, Bilt, Capital One, Chase, Citi and Wells Fargo.

How to earn transferable points or miles

You can add one of these popular cards from the top issuers to earn transferable points and miles. Here's a look at these options, broken down by issuer.

American Express Membership Rewards

These are the most popular cards that earn American Express Membership Rewards points:

You can also earn Amex Membership Rewards points by signing up for Rakuten and setting your earning preference to Membership Rewards points instead of cash back.

You can transfer Amex points to 17 airlines and three hotel partners. Three of our favorite Amex transfer partners are Air France-KLM Flying Blue, British Airways Club and Delta SkyMiles.

Bilt

There are three cards that earn Bilt Points:

You don't have to have a Bilt Rewards card to earn Bilt points. You can also earn this currency by signing up for the Bilt loyalty program, linking your non-Bilt cards and transacting with certain Bilt partners (such as Bilt Dining restaurants).

Bilt has 18 airline partners and five hotel partners. Some of the best-value options include Atmos Rewards and World of Hyatt.

Capital One miles

Here are the cards that currently earn transferable Capital One miles:

Capital One Venture Rewards Credit Card
Capital One Venture Business
Capital One Venture X Business
Capital One Venture X Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Capital One Spark Miles for Business (no longer available)
Capital One Spark Miles Select for Business (no longer available)

Capital One miles transfer to 15-plus loyalty program partners. Our favorites include Air France-KLM Flying Blue, Singapore Airlines KrisFlyer and Virgin Red.

The information for the Capital One Spark Miles for Business and Capital One Spark Miles Select for Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Chase Ultimate Rewards

Here are the cards that earn fully transferable Chase Ultimate Rewards points:

Chase Sapphire Reserve
Chase Sapphire Preferred® Card (see )
Chase Sapphire Reserve for Business℠ (see )
Ink Business Preferred® Credit Card (see )

However, if you have one of these cards, you can also combine your rewards from cash-back cards like the Chase Freedom Flex® (see ) and the Chase Freedom Unlimited® (see ) in a single account, effectively converting those cash-back earnings into fully transferable Ultimate Rewards points.

Chase Ultimate Rewards points transfer to 10 airlines and four hotel loyalty programs. Some of the highest-value Chase transfer partners include Air Canada Aeroplan, United MileagePlus and World of Hyatt.

Citi ThankYou Rewards

These are the cards that earn Citi ThankYou Rewards points, which transfer to most partners at a 1:1 ratio:

However, as with Chase Ultimate Rewards points, you can combine your Citi ThankYou Rewards points in a single account for select products. This unlocks the full transfer ratios. If you transfer from one of these cards without holding a premium Citi card, you'll get a 1:0.7 transfer ratio:

The information for the Citi Custom Cash Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Citi points can be transferred to 15 airlines and five hotel loyalty programs. Some of our favorites include American Airlines AAdvantage and Wyndham Rewards.

Wells Fargo Rewards

Though Wells Fargo offers multiple credit cards, including several that earn cash rewards, you can currently only earn transferable Wells Fargo Rewards points with the following cards:

Wells Fargo Rewards points can be transferred to eight airlines and one hotel program. Some highlights include Air France-KLM Flying Blue, British Airways Club and Iberia Club.

Bottom line

Many transfer options are available among the major credit card loyalty programs. Transferable points and miles are generally more valuable than any single airline or hotel point or mile because they give you the added flexibility to choose where to send your rewards — and when to do it.

Bookmark this cheat sheet so you know your options when applying for your next transferable points- or miles-earning credit card or deciding on your next redemption.

TPG featured card

American Express® Gold Card

TPG editor's rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
4X	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X	Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X	Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X	Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro offer

As High As 100,000 points. Find Out Your Offer.

Annual fee

$325

Regular APR

See Pay Over Time APR

Recommended credit

Excellent to Good

Pros + cons

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

More details

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.