Program hubs - checked October 4, 2026
Transferable points programs
Five currencies dominate transferable points. They share one virtue, the ability to wait, and differ in almost everything else: who they transfer to, at what ratio, under which card, and on whose expiration clock. Pick your hub for the working partner list and the traps that matter, then value a specific booking rather than the currency in the abstract.
American Express Membership Rewards
Issuer: American Express. Most airline partners transfer at 1 to 1; hotel ratios differ by partner and are often weaker value.
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Chase Ultimate Rewards
Issuer: Chase. Core airline and hotel partners transfer at 1 to 1.
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Citi ThankYou Points
Issuer: Citi. Transfer access and ratios depend heavily on which Citi card earns the points. Premium cards unlock the full partner list; basic cards may transfer to a short list at reduced ratios.
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Capital One Miles
Issuer: Capital One. Most airline and hotel partners transfer at 1 to 1; a few hotel programs use a reduced ratio (Accor has historically been 2 to 1).
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Bilt Points
Issuer: Bilt. Points are earned notably through rent payments and a neighborhood program; transfer partners sit alongside at mostly 1 to 1.
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How these hubs should be used
Each hub lists the transfer partners you are most likely to use, where the currency tends to return value, and what to watch out for, with sources checked October 4, 2026. The list inside your own account, with today's ratio and transfer time, outranks any hub. Once you have a partner in mind, run the real booking through the Cash or Points Calculator and read the matching best use guide before transferring.