Which bank should I pull points from first?
If several of your cards transfer to the same airline or hotel, you can pay for the trip from any of them. Pick the program and how many miles you need. We show how many points each bank would cost, any live bonus, and what each bank is the only route to, so you don't burn the wrong currency. Add your balances and it also shows how much to move from each bank.
Ratios from the programs and published transfer charts (see each Convert my points page for sources). Values are The Points Guy's published estimates (2026-10-01). We never move your points or touch your accounts.
Pick your program
Split it across my balances (optional — prefilled from your wallet if you saved one)
Type what you have in each bank, or we fill empty boxes from your MaxUrPoints wallet on this device. We show how much to move from each to reach the miles above. Numbers stay in this browser only; edits here do not change your wallet.
Filled from your MaxUrPoints wallet on this device (nothing left this browser). Edit freely. Open wallet.
How we order them: banks with a live public bonus first (it costs fewer points); then the bank with the fewest transfer partners first, because a currency that goes to few places is worth less to keep; banks that are the only route to a program you may want come last. This is a common rule of thumb from the points community, not advice: your best choice depends on what else you will book. Check your bank's transfer page before moving; transfers are generally irreversible.
Will this transfer bonus save me points?
A bonus only helps if you were already going to move points to that program for a real booking. Pick a live bonus and the miles you need, and see how many bank points it saves.
Every program and the banks that reach it
| Program | Banks that transfer there (ratio) |
|---|---|
| ANA Mileage Club | Amex 1:1 only one bank |
| Accor Live Limitless | Capital One 2:1, Citi 2:1, Bilt 3:2, Rove 1.5:1 |
| Aer Lingus AerClub | Chase 1:1, Amex 1:1, Bilt 1:1, Wells Fargo 1:1 |
| Aeromexico Rewards | Amex 1:1.6, Capital One 1:1, Citi 1:1, Rove 1:1 |
| Air Canada Aeroplan | Chase 1:1, Amex 1:1, Capital One 1:1, Bilt 1:1, Rove 1:1 |
| Air France-KLM Flying Blue | Chase 1:1, Amex 1:1, Capital One 1:1, Citi 1:1, Bilt 1:1, Wells Fargo 1:1, Rove 1:1 |
| Air India Maharaja Club | Rove 1:1 only one bank |
| Alaska/Hawaiian Atmos Rewards | Bilt 1:1 only one bank |
| American Airlines AAdvantage | Citi 1:1 only one bank |
| Avianca LifeMiles | Amex 1:1, Capital One 1:1, Citi 1:1, Bilt 1:1, Wells Fargo 1:1 |
| British Airways Club | Chase 1:1, Amex 1:1, Capital One 1:1, Bilt 1:1, Wells Fargo 1:1 |
| Cathay Pacific Asia Miles | Amex 5:4, Capital One 1:1, Citi 1:1, Bilt 1:1, Wells Fargo 1:1, Rove 1:1 |
| Choice Privileges | Amex 1:1, Capital One 1:1, Citi 1:1.5, Wells Fargo 1:2 |
| Copa Airlines ConnectMiles | Citi 1:1, Rove 1:1 |
| Delta SkyMiles | Amex 1:1 only one bank |
| EVA Air Infinity MileageLands | Capital One 2:1.5, Citi 1:1 |
| Emirates Skywards | Amex 5:4, Capital One 2:1.5, Citi 5:4, Bilt 1:1 |
| Etihad Guest | Capital One 1:1, Citi 1:1, Bilt 1:1, Rove 1:1 |
| Finnair Plus | Capital One 1:1, Rove 1:1 |
| Frontier Miles | Rove 1:1 only one bank |
| Hainan Airlines Fortune Wings Club | Rove 1:1 only one bank |
| Hilton Honors | Amex 1:2, Bilt 1:1 |
| IHG One Rewards | Chase 1:1, Bilt 1:1 |
| Iberia Club | Chase 1:1, Amex 1:1, Bilt 1:1, Wells Fargo 1:1 |
| Japan Airlines Mileage Bank | Capital One 2:1.5, Citi 1:1, Bilt 1:1, Rove 1:1 |
| JetBlue TrueBlue | Chase 1:1, Amex 5:4, Capital One 5:3, Citi 1:1, Bilt 1:1, Wells Fargo 1:1, Rove 1:1 |
| Leading Hotels of the World Leaders Club | Amex 4:1, Citi 5:1 |
| Lufthansa Miles & More | Rove 1:1 only one bank |
| Marriott Bonvoy | Chase 1:1, Amex 1:1, Bilt 1:1 |
| Preferred Hotels I Prefer | Capital One 1:2, Citi 1:2, Bilt 1:2 |
| Qantas Frequent Flyer | Amex 1:1, Capital One 1:1, Citi 1:1, Rove 1:1 |
| Qatar Airways Privilege Club | Amex 1:1, Capital One 1:1, Citi 1:1, Bilt 1:1, Rove 1:1 |
| SAS EuroBonus | Rove 1:1 only one bank |
| Singapore Airlines KrisFlyer | Chase 1:1, Amex 1:1, Capital One 1:1, Citi 1:1 |
| Southwest Rapid Rewards | Chase 1:1, Bilt 1:1 |
| TAP Air Portugal Miles&Go | Capital One 1:1, Bilt 1:1 |
| Thai Airways Royal Orchid Plus | Citi 1:1, Rove 1:1 |
| Turkish Airlines Miles&Smiles | Capital One 1:1, Citi 1:1, Bilt 1:1, Rove 1:1 |
| United MileagePlus | Chase 1:1, Bilt 1:1 |
| Vietnam Airlines Lotusmiles | Rove 1:1 only one bank |
| Virgin Atlantic Flying Club | Chase 1:1, Amex 1:1, Citi 1:1, Bilt 1:1, Wells Fargo 1:1, Rove 1:1 |
| Virgin Red | Capital One 1:1, Citi 1:1, Bilt 1:1, Wells Fargo 1:1, Rove 1:1 |
| World of Hyatt | Chase 1:1, Bilt 1:1 |
| Wyndham Rewards | Chase 1:1, Capital One 1:1, Citi 1:1, Bilt 1:1, Wells Fargo 1:2 |
Some ratios differ by card (for example Citi's non-premium cards, or Chase Sapphire cards to Hyatt). The calculator shows those notes. See spend which first for the broader order across everything you hold, and current transfer bonuses.