Is there a limit to how many flexible points you can transfer a year?

Jan 9, 2020

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Reader Questions are answered twice a week by TPG Senior Points & Miles Contributor Ethan Steinberg.

Transferable points, like those issued by Chase, Amex and Citi, are widely regarded as the most valuable currencies in the world of award travel because of the incredible flexibility they offer. Not only can you switch between transferring points to an airline or hotel, but you can also switch between the three major airline alliances instead of locking yourself into a more narrow set of redemptions. TPG reader Rita wants to know how if there’s a limit to how many points she can transfer …

If I have Chase Ultimate Rewards points, is there a limit to how many I can convert to airline miles in a given year?

TPG READER RITA

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Good question Rita! While Chase Ultimate Rewards are some of the most popular points out there, there are actually five major transferable points currencies that you can incorporate into your award travel strategy:

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.

The good news is that none of these programs have a cap on how many miles you can transfer each year. Once you earn points, whether it’s from a welcome bonus, spending on your credit card, or some other promotion, they’re yours to redeem as you see fit. If you’re lucky enough to earn a million miles in a year within a single flexible points program, there’s nothing to stop you from transferring one million miles out to different airline and hotel partners, or even to the same program if you find an award chart sweet spot you want to take advantage of repeatedly.

Related: The best travel rewards credit cards

Generally speaking the only limits on your redemption come on the minimum side, not the maximum. All the currencies listed here require you to transfer a minimum of 1,000 points at a time (with Marriott, the limit is 3,000) and most require you to transfer in even increments of 1,000 as well. Marriott is the only program to impose a restriction on the upper end, with a daily airline transfer limit of 240,000 Marriott points. However, you’re free to transfer more points out the next day as this limit really only applies to each day at a time. If you’re planning a complicated redemption that requires you to transfer more than 240,000 Marriott points you’ll also want to keep an eye on how long Marriott points take to transfer. Some of Marriott’s more unique partners have longer transfer times, and you don’t want your award space to disappear while you’re waiting for the points to post.

Bottom line

Good news Rita, the sky’s the limit when it comes to transferring points! If you’re in the envious position of having hundreds of thousands of flexible bank points you want to redeem each year, there’s nothing to stop you from transferring them all out to airline and hotel partners. The only limit to keep in mind is Marriott’s daily cap of 240,000 points, but that resets every 24 hours and shouldn’t be too big an inconvenience for most people.

Thanks for the question, Rita, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.

Featured photo by M.M. Sweet/Getty Images.

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Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.