How many points do I transfer? Minimums and block sizes
Banks move points in blocks. Chase, Citi and most Amex partners use 1,000-point steps, Bilt needs 2,000 to start for Blue members, Rove moves in 100-mile steps after 2,000, and Wells Fargo says any amount. Type your award price below and see exactly what to send.
Rules as published by each bank (or the cited source where the bank publishes none), checked 2026-10-26. Your bank's transfer screen is the final word. MaxUrPoints is 100% free. We help you find the best option; we never touch your accounts.
Exact transfer calculator
Pick a program and type the award price.
Minimum and step size by bank
| Bank | Minimum | Step | Rule | Source |
|---|---|---|---|---|
| Chase Ultimate Rewards | 1,000 | 1,000 | 1,000-point increments to every partner. Exceptions: None listed | chase.com · Sapphire Reserve program agreement |
| Amex Membership Rewards | 1,000 | 1,000 | 1,000 points minimum, in 1,000-point blocks, for almost every partner. Exceptions: JetBlue moves in 250-point blocks (250 MR = 200 TrueBlue) and Qantas in 500-point blocks. Exceptions: JetBlue TrueBlue: 250 min, 250 steps; Qantas Frequent Flyer: 500 min, 500 steps | The Points Party · Upgraded Points |
| Capital One Miles | 1,000 | 1,000* | At least 1,000 miles to transfer. Step size not published by Capital One. Exceptions: None listed | capitalone.com · r/awardtravel member report |
| Citi ThankYou Points | 1,000 | 1,000 | 1,000 points minimum, in 1,000-point blocks, to every travel partner. Exceptions: None listed | The Points Party · The Points Guy |
| Bilt Points | 2,000* | 1,000 | 2,000 points minimum for Blue members, 1,000 for Silver, Gold and Platinum. Always 1,000-point increments. Exceptions: None listed | Bilt support · Bilt transfer terms |
| Wells Fargo Rewards | None | Any amount | No minimum balance and no fixed increment: Wells Fargo says points transfer in any amount. Exceptions: None listed | Wells Fargo newsroom (JetBlue) · Wells Fargo newsroom (Cathay) |
| Rove Miles | 2,000 | 100 | 2,000 miles minimum, then 100-mile steps for most partners. Exceptions: Accor moves in 150-mile steps; Cathay, Copa, JetBlue and Lufthansa in 1,000-mile steps. Exceptions: Accor Live Limitless: 2,000 min, 150 steps; Cathay Pacific Asia Miles: 2,000 min, 1,000 steps; Copa Airlines ConnectMiles: 2,000 min, 1,000 steps; JetBlue TrueBlue: 2,000 min, 1,000 steps; Lufthansa Miles & More: 2,000 min, 1,000 steps | Rove help center · AwardWallet · Frequent Miler |
- Capital One says you need at least 1,000 miles to transfer. It doesn't publish a step size; some members report 100-mile steps (r/awardtravel). We round to 1,000 so the plan never comes up short.
- 2,000 for Blue status, 1,000 for Silver, Gold and Platinum.
Quick answers
Why can't I transfer exactly the number of miles my award costs?
Most banks move points in fixed blocks: Chase, Citi and most Amex partners in 1,000-point steps, Bilt in 1,000-point steps after a 2,000-point minimum for Blue members. If an award costs 57,500 miles you usually send 58,000 and keep 500 in the airline account.
Which bank lets me transfer an exact amount?
Wells Fargo says its points transfer in any amount with no minimum. Rove moves in 100-mile steps after a 2,000-mile minimum for most partners. Amex JetBlue moves in 250-point blocks and Amex Qantas in 500-point blocks.
Can I combine two banks to hit the exact number?
Yes, if both banks transfer to the same program: each is a separate transfer into the same airline or hotel account. Send the bulk from one bank and top up with a smaller-step bank. Transfers are generally one-way, so find the award first.
What happens to the leftover miles?
They stay in the airline or hotel account and follow that program's expiration rules. See our keep-points-alive guide for which programs expire and how to keep them active.
Which bank first? · How long transfers take · Live transfer bonuses · Keep points alive