Capital One vs. Chase vs. Amex: Who Has Better Transfer Partners?

CREDIT CARDS - TRAVEL CREDIT CARDS
It’s a transfer partners showdown with Capital One vs. Chase vs. Amex — but which rewards program comes out on top?
Updated July 17, 2024
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For frequent travelers who use Capital One, Chase, or American Express travel cards, one of the most popular redemption options is to transfer your rewards from one of these credit card programs to the loyalty program of an airline or hotel partner.

This can help give you flexibility over how you use your points or miles, but don’t expect the available transfer partners to be the same between Capital One, Chase, and Amex. With a quick comparison between the three credit card issuers, you can see which program’s transfer partners might make the most sense for you.

In this article

Capital One vs. Chase vs. Amex airline transfer partners

These are the available airline transfer partners for Capital One, Chase, and American Express.

Partner Chase American Express Capital One
Aer Lingus X X
Aeromexico X X
Air Canada X X X
Air France KLM X X X
ANA X
Avianca X X
British Airways X X X
Cathay Pacific
X X
Delta Air Lines X
Emirates X X X
Etihad Airways X X
EVA Air X
Finnair X
Hawaiian Airlines X
Iberia X X
JetBlue Airways X X
Qantas X X
Qatar Airways X
Singapore Airlines X X X
Southwest Airlines X
TAP Air Portugal X
Turkish Airlines X
United Airlines X
Virgin Atlantic (through Virgin Red for Capital One) X X X

Capital One vs. Chase vs. Amex hotel transfer partners

These are the available hotel transfer partners for Capital One, Chase, and American Express.

Partner Chase American Express Capital One
Accor X
Choice X X
Hilton X
Hyatt X
IHG X
Marriott
X X
Wyndham X

Chase Ultimate Rewards

Chase Ultimate Rewards is Chase’s rewards program for credit cards that earn Ultimate Rewards points. Ultimate Rewards is often thought of as one of the most flexible and valuable programs available because of how you can earn and redeem your rewards.

How to earn and redeem Chase Ultimate Rewards points

Earning Ultimate Rewards points is typically straightforward — use any credit card that earns these points to make purchases and you’ll earn rewards points.

Here are some of the best cards for earning and redeeming Chase Ultimate Rewards points:

Card Welcome offer Rewards rate Annual fee
Chase Sapphire Preferred® Card

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases $95
Chase Freedom Unlimited®
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases $0
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases $550
Ink Business Cash® Credit Card
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases $0

Ultimate Rewards redemption options include:

  • Transfers to travel partners
  • Travel portal redemptions, including airfare, hotel stays, car rentals, and cruises
  • Cash back
  • Gift cards
  • Dining
  • Experiences
  • Shopping

Chase transfer partners

Chase transfer partners include:

  • Aer Lingus
  • Air Canada
  • British Airways
  • Emirates
  • Air France KLM
  • Hyatt
  • Iberia
  • IHG Rewards
  • JetBlue
  • Marriott Bonvoy
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic
  • World of Hyatt

American Express Membership Rewards

Amex Membership Rewards is the travel rewards program for certain American Express cardholders. Similar to Chase Ultimate Rewards, the Membership Rewards program is both flexible and valuable for frequent travelers.

How to earn and redeem Amex Membership Rewards points

Membership Rewards points can typically only be earned with American Express travel cards. If you use an applicable card to make eligible purchases, you should earn Membership Rewards.

Unlike the Ultimate Rewards program, you generally don’t have to manually combine rewards from your various Amex cards (you might if you have both personal and business accounts). If you have multiple cards that earn Membership Rewards points, your points should automatically pool together in your online account.

Here are some of the best cards for earning and redeeming Amex Membership Rewards points:

Card Welcome offer Rewards rate Annual fee
Amex EveryDay® Credit Card Earn 10,000 Membership Rewards Points after making $2,000 in purchases in the first 6 months 2X points per dollar (on the first $6,000 spent at U.S. supermarkets each year, after that 1X), and 1X on all other eligible purchases $0 (Terms apply)
American Express® Gold Card
Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months of card membership 4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year, after that 1X) and at restaurants, plus takeout and delivery in the U.S., 3X on flights booked directly with airlines or on Amextravel.com, and 1X on all other eligible purchases $250 (Terms apply)
The Platinum Card® from American Express
Earn 80,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases $695 (Terms apply)
The Blue Business® Plus Credit Card from American Express
Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of card membership 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that $0 (Terms apply)

All information about Amex EveryDay® Credit Card has been collected independently by FinanceBuzz.

Membership Rewards redemption options include:

  • Transfers to travel partners
  • Amex Travel portal redemptions, including flights, hotel stays, car rentals, and cruises
  • Statement credits
  • Shopping
  • Gift cards

Booking flights or transferring your points to a travel partner often provide the most value with Membership Rewards points.

American Express transfer partners

Amex transfer partners include:

  • Aer Lingus
  • Aeromexico
  • Air Canada
  • Air France KLM
  • All Nippon Airways (ANA)
  • Avianca
  • British Airways
  • Cathay Pacific
  • Choice Privileges
  • Delta Air Lines
  • Emirates
  • Etihad Airways
  • Hawaiian Airlines
  • Hilton Honors
  • Iberia
  • JetBlue Airways
  • Marriott Bonvoy
  • Qantas
  • Qatar Airways
  • Singapore Airlines
  • Virgin Atlantic

Capital One Venture Rewards

Capital One miles are associated with Capital One’s lineup of travel credit cards. These credit cards earn miles rather than points, though they function in much the same way as Ultimate Rewards points or Membership Rewards points.

How to earn and redeem miles

Capital One miles can be earned by using a Capital One travel card, including certain business credit cards, to make purchases.

Note that you can transfer rewards from certain Capital One cash back credit cards to Capital One travel rewards cards. For example, you can combine rewards between the Capital One SavorOne Cash Rewards Credit Card(Rates and fees) and Capital One Venture Rewards Credit Card(Rates and fees) if you have both cards.

Here are some of the best cards for earning and redeeming Capital One miles:

Card Welcome offer Rewards rate Annual fee
Capital One SavorOne Cash Rewards Credit Card(Rates and fees) Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening 3% cash back on dining and at grocery stores (excluding superstores like Walmart® and Target®), popular streaming services, and entertainment; 5% back on hotels and rental cars booked through Capital One Travel; 8% cash back on Capital One Entertainment purchases; 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); and 1% cash back on all other purchases $0
Capital One Venture Rewards Credit Card(Rates and fees) Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 $95
Capital One Venture X Rewards Credit Card(Rates and fees) Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening 2 miles per dollar on every purchase, every day; 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights booked through Capital One Travel, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 $395
Capital One Spark Miles for Business* Earn 50,000 miles after spending $4,500 in the first 3 months 5X miles on rental cars and hotels booked through Capital One Travel, and 2X miles on every purchase, every day $95 (waived first year)

* All information about Capital One Spark Miles for Business has been collected independently by FinanceBuzz and has not been reviewed by the credit card issuer.

Capital One miles redemption options include:

  • Transfers to travel partners
  • Covering recent travel purchases
  • Capital One Travel portal redemptions, including flights, hotels, and rental cars
  • Gift cards
  • Cash back
  • Shopping, including Amazon and PayPal

Most redemptions with Capital One miles offer the same value, which might make it easier for you to choose what to do with your rewards. But savvy travelers know that transfers to travel partners can offer big value if you’re able to find the right flight or hotel stay redemption.

Capital One transfer partners

Capital One transfer partners include:

  • Aeromexico
  • Air Canada
  • Air France KLM
  • Accor Live Limitless
  • Avianca
  • British Airways
  • Cathay Pacific
  • Choice Privileges
  • Emirates
  • Etihad
  • EVA Air
  • Finnair
  • Qantas
  • Singapore Airlines
  • TAP Air Portugal
  • Turkish Airlines
  • Virgin Red (can be transferred to Virgin Atlantic)
  • Wyndham Rewards

How to choose a travel rewards card

To help decide between travel rewards cards, consider the following questions:

Does it align with your spending habits?

All travel cards earn rewards, but how do they earn them? It’s typically best to align a credit card’s bonus categories (where they have increased rewards rates) with your everyday spending habits to help increase your total points. For example, if groceries or dining out are often some of your largest expenses, it could make sense to consider credit cards that earn bonus points in one or both of these categories.

Is there a sign-up bonus?

Earning rewards on purchases you’re already making is a proven way to add to your points or miles total. But sign-up bonuses and welcome offers are often the easiest way to earn a large amount of rewards in a short period of time. In many cases, earning a welcome bonus could immediately provide enough rewards to help cover airfare or lodging for a trip.

What’s your credit score?

If you have good credit (typically above a 670 FICO Score), you’ll likely qualify for most travel credit cards. However, some premium options could require excellent credit, which is often an 800 or higher FICO Score.

Does it earn flexible rewards?

Travel cards are often split into two groups: general cards and co-branded cards. General cards earn flexible rewards that can be redeemed for purchases with a variety of travel companies. Co-branded cards earn rewards with a specific airline or hotel loyalty program, such as United MileagePlus or Hilton Honors. Using a co-branded card is often limiting, but it might not matter if you’re happy with a specific airline or hotel.

Which transfer partners are available?

If you prefer to fly with certain airlines or stay at certain hotels, it likely makes sense to have a travel card that has that airline or hotel as a transfer partner. This can help you use rewards on redemptions you find valuable.

Are there any fees?

Travel credit cards don’t typically have foreign transaction fees, but you’ll find many with annual fees — and some are much higher than others. But certain card benefits could help offset an annual fee.

Does it have helpful travel benefits and perks?

Travel protections and purchase coverage, such as trip cancellation and interruption insurance, travel accident insurance, or extended warranty coverage, are common benefits found on popular travel cards. You also might find airport lounge access (Priority Pass), TSA PreCheck or Global Entry application fee reimbursement, complimentary elite status with a hotel or car rental agency, annual travel credits, and more.

What’s the payment network?

Visa and Mastercard are accepted nearly everywhere credit cards are accepted, including worldwide. American Express and Discover are accepted throughout the U.S., but their international acceptance isn’t as widespread. Depending on where you like to travel, you might want to have a Visa or Mastercard credit card handy.

Every case is unique, and your travel goals could be different from someone else. But there are loads of available travel cards that could make sense in a variety of situations. For our top choices, check out our list of the best travel credit cards.

FAQs

How do you transfer Chase Ultimate Rewards to travel partners?

Chase Ultimate Rewards points can be transferred to travel partners through your online account. Log into your account, click on an applicable credit card that earns Ultimate Rewards points, and then select the “Redeem” option. Then select the option to “Transfer to Travel Partners” to pull up the available transfer options. Keep in mind that you first have to create an account with the rewards program of the partner you want to transfer points to.

How do you transfer American Express reward points to travel partners?

Log into your American Express online account and select the “Explore Rewards” option to pull up the Membership Rewards menu. Then click on the “Earn and Redeem” dropdown menu and select “Transfer Points.” This will bring you to the transfer partners area where you can transfer your Membership Rewards to certain airline and hotel loyalty programs. You must have an account created with each loyalty program you want to transfer your points to.

How do you link to Chase travel partners?

To link available transfer partners to your Chase Ultimate Rewards account, log into your Chase online account and navigate to the Chase Travel℠ portal. Here you can click the “Earn/Use” dropdown menu and select the “Transfer to Travel Partners” option. Now select a hotel or airline loyalty program you want to transfer points to and input your member ID. This will link your accounts and allow you to transfer Chase points to travel partners.


Bottom line

Capital One, Chase, and American Express all provide valuable rewards programs that include useful transfer partners. However, you might find Chase and Amex transfer partners are more suited to domestic travel compared with Capital One partners. But overall, the best program for transfer partners depends on your travel preferences, including which airlines you like to fly and your preferred destinations.

And there’s more to a rewards program than its available transfer partners. If you want to make the most of any loyalty program, consider ways to earn more points or miles so you can make more redemptions. The easiest way to do this is often by utilizing multiple credit cards that earn the same rewards currency.

For a list of all our top credit card offers, use our dedicated page to compare credit cards and see which ones might make sense for you. You may find particular card comparisons, like Chase Ink vs. Capital One Spark, especially helpful as you narrow down your list.

Great for Flexible Travel Rewards

4.9

Chase Sapphire Preferred® Card

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.