The sheet

Where your points can actually go.

Every airline transfer partner for three major bank currencies, taken from the issuers' own pages and dated.

Four banks issue points that move to airlines. Which airlines, at what rate, and how fast is the difference between a points balance and a booked seat. This sheet is the map. No account needed to read it.

American Express Membership Rewards

American Express Membership Rewards transfers to 16 airline programs. Ratios below are as published by American Express, checked Jul 29, 2026.

1,000 points in the left column becomes the number on the right.

Program	Ratio	Transfer time
Aer Lingus AerClub	1,000 to 1,000	estimated 48 hours
Aeromexico Rewards	1,000 to 1,600	estimated 48 hours
Air Canada Aeroplan	1,000 to 1,000	estimated 48 hours
ANA Mileage Club	1,000 to 1,000	estimated 4 days
Avianca LifeMiles	1,000 to 1,000	estimated 72 hours
The British Airways Club	1,000 to 1,000	estimated 48 hours
Cathay Pacific · Cathay membership programme	1,000 to 800	estimated 48 hours
Delta SkyMiles	1,000 to 1,000	estimated 48 hours
Emirates Skywards	1,000 to 800	estimated 48 hours
Flying Blue	1,000 to 1,000	estimated 48 hours
Iberia Plus	1,000 to 1,000	estimated 48 hours
JetBlue · TrueBlue	1,000 to 800	estimated 48 hours
Qantas Frequent Flyer	1,000 to 1,000	estimated 48 hours
Qatar Airways Privilege Club	1,000 to 1,000	estimated 48 hours
Singapore Airlines KrisFlyer	1,000 to 1,000	estimated 48 hours
Virgin Atlantic Flying Club	1,000 to 1,000	estimated 48 hours

Checked against American Express's published partner list · Jul 29, 2026

Notes

Aer Lingus AerClub: Transfers are made in increments of 1,000 Membership Rewards points.; Membership Rewards point transfers that result in more than 999,000 Avios will not be accepted.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
Aeromexico Rewards: Transfers are made in increments of 1,000 Membership Rewards points.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
Air Canada Aeroplan: Transfers are made in increments of 1,000 Membership Rewards points.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
ANA Mileage Club: Transfers are made in increments of 1,000 Membership Rewards points.; American Express publishes an estimated transfer time of 4 days. frequentmiler documents this transfer as about 1 day. The slower class is recorded.
Avianca LifeMiles: Transfers are made in increments of 1,000 Membership Rewards points.; Membership Rewards point transfers that result in more than 750,000 Avianca LifeMiles will not be accepted.; American Express publishes an estimated transfer time of 72 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
The British Airways Club: Transfers are made in increments of 1,000 Membership Rewards points.; Membership Rewards point transfers that result in more than 999,000 Avios will not be accepted.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
Cathay Pacific · Cathay membership programme: Transfers are made in increments of 1,000 Membership Rewards points.; American Express publishes the receiving currency for this partner as Asia Miles.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as 4 to 8 hours. The slower class is recorded.; American Express publishes this partner as "Cathay Pacific".
Delta SkyMiles: Transfers are made in increments of 1,000 Membership Rewards points.; American Express charges an excise tax offset fee of $0.0006 per point, up to $99, on points transferred to a U.S. airline frequent flyer program.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
Emirates Skywards: Transfers are made in increments of 1,000 Membership Rewards points.; Membership Rewards point transfers that result in more than 999,000 Emirates Skywards Miles will not be accepted.; Account linkages are subject to the Emirates Skywards program Terms and Conditions, which may affect the number of times you can link your Rewards Account per calendar year.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
Flying Blue: Transfers are made in increments of 1,000 Membership Rewards points.; Membership Rewards point transfers that result in more than 999,000 Flying Blue Award Miles will not be accepted.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.; American Express publishes this partner as "Air France-KLM Flying Blue".
Iberia Plus: Transfers are made in increments of 1,000 Membership Rewards points.; Membership Rewards point transfers that result in more than 999,000 Avios will not be accepted.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as about 12 to 24 hours. The slower class is recorded.
JetBlue · TrueBlue: Transfers are made in increments of 250 Membership Rewards points to 200 TrueBlue points.; American Express charges an excise tax offset fee of $0.0006 per point, up to $99, on points transferred to a U.S. airline frequent flyer program.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.; American Express publishes this partner as "JetBlue TrueBlue".
Qantas Frequent Flyer: Transfers are made in increments of 500 Membership Rewards points.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.
Qatar Airways Privilege Club: Transfers are made in increments of 1,000 Membership Rewards points.; American Express publishes the receiving currency for this partner as Avios.; Transfers are capped at 750,000 Membership Rewards points.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as 12 to 24 hours. The slower class is recorded.
Singapore Airlines KrisFlyer: Transfers are made in increments of 1,000 Membership Rewards points.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as 12 to 24 hours. The slower class is recorded.
Virgin Atlantic Flying Club: Transfers are made in increments of 1,000 Membership Rewards points.; Membership Rewards point transfers that result in more than 999,000 Flying Club Miles will not be accepted.; American Express publishes an estimated transfer time of 48 hours. frequentmiler documents this transfer as instant. The slower class is recorded.

Chase Ultimate Rewards

Chase Ultimate Rewards transfers to 10 airline programs. Ratios below are as published by Chase, checked Jul 29, 2026.

1,000 points in the left column becomes the number on the right.

Program	Ratio	Transfer time
Aer Lingus AerClub	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
Air Canada Aeroplan	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
The British Airways Club	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
Flying Blue	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
Iberia Club	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
JetBlue · TrueBlue	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
Singapore Airlines KrisFlyer	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
Southwest Airlines Rapid Rewards	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
United MileagePlus	1,000 to 1,000	most transfers process by the next business day, up to 7 business days
Virgin Atlantic Flying Club	1,000 to 1,000	most transfers process by the next business day, up to 7 business days

Checked against Chase's published partner list · Jul 29, 2026

Notes

Aer Lingus AerClub: Transfers in increments of 1,000 points.
Air Canada Aeroplan: Transfers in increments of 1,000 points.
The British Airways Club: Transfers in increments of 1,000 points.
Flying Blue: Transfers in increments of 1,000 points.; Chase publishes this partner as "Air France KLM Flying Blue".
Iberia Club: Transfers in increments of 1,000 points.
JetBlue · TrueBlue: Transfers in increments of 1,000 points.; Chase publishes this partner as "JetBlue TrueBlue".
Singapore Airlines KrisFlyer: Transfers in increments of 1,000 points.
Southwest Airlines Rapid Rewards: Transfers in increments of 1,000 points.
United MileagePlus: Transfers in increments of 1,000 points.
Virgin Atlantic Flying Club: Transfers in increments of 1,000 points.

Capital One Miles

Capital One Miles transfers to 17 airline programs. Ratios below are as published by Capital One, checked Jul 29, 2026.

1,000 points in the left column becomes the number on the right.

Program	Ratio	Transfer time
Aeromexico Rewards	1,000 to 1,000	Not published.
Air Canada Aeroplan	1,000 to 1,000	Not published.
Avianca LifeMiles	1,000 to 1,000	Not published.
The British Airways Club	1,000 to 1,000	Not published.
Cathay Pacific · Cathay membership programme	1,000 to 1,000	Not published.
Emirates Skywards	1,000 to 750	Not published.
Etihad Guest	1,000 to 1,000	Not published.
EVA Air	1,000 to 750	Not published.
Finnair Plus	1,000 to 1,000	Not published.
Flying Blue	1,000 to 1,000	Not published.
Japan Airlines Mileage Bank	1,000 to 750	Not published.
JetBlue · TrueBlue	1,000 to 600	Not published.
Qantas Frequent Flyer	1,000 to 1,000	Not published.
Qatar Airways Privilege Club	1,000 to 1,000	Not published.
Singapore Airlines KrisFlyer	1,000 to 1,000	Not published.
TAP Miles&Go	1,000 to 1,000	Not published.
Turkish Airlines Miles&Smiles	1,000 to 1,000	Not published.

Checked against Capital One's published partner list · Jul 29, 2026

Notes

Aeromexico Rewards: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
Air Canada Aeroplan: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
Avianca LifeMiles: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
The British Airways Club: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.; Capital One publishes this partner as "British Airways Club".
Cathay Pacific · Cathay membership programme: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.; Capital One publishes this partner as "Cathay Pacific Asia Miles".
Emirates Skywards: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.; Capital One publishes this as a 2:1.5 conversion ratio and states that 1,000 Capital One miles convert to 750.
Etihad Guest: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
EVA Air: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.; Capital One publishes this as a 2:1.5 conversion ratio and states that 1,000 Capital One miles convert to 750.
Finnair Plus: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
Flying Blue: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
Japan Airlines Mileage Bank: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.; Capital One publishes this as a 2:1.5 conversion ratio and states that 1,000 Capital One miles convert to 750.
JetBlue · TrueBlue: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.; Capital One publishes this as a 5:3 conversion ratio and states that 1,000 Capital One miles convert to 600.; Capital One publishes this partner as "JetBlue".
Qantas Frequent Flyer: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
Qatar Airways Privilege Club: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
Singapore Airlines KrisFlyer: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
TAP Miles&Go: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.
Turkish Airlines Miles&Smiles: Capital One requires a balance of at least 1,000 miles before miles can be transferred to a partner.; The name on the Capital One account must match the name on the receiving loyalty program account.

Citi ThankYou is not on this sheet, on purpose

Citi does not publish transfer ratios on its public pages, and says in its own words that the rate depends on which card you hold. Sites that print one Citi number cannot source it to Citi. When Citi publishes, this sheet will carry it, sourced and dated like everything above.

Last change · Jul 29, 2026 · Renamed from "British Airways Club" to "The British Airways Club", the name the program publishes for itself. The partner_id moved from british_airways_club to the_british_airways_club.

Ratios change when issuers change them. We show dates so you can judge freshness yourself. This sheet is version 2026.07.29-2.

Where yours should go

This sheet tells you where points can go. TripStacker tells you where yours should. You add your cards yourself and never hand over a bank login. The app does the reasoning and shows you the one move, with receipts.

Somewhere in your wallet is a window seat.