Point Bound
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Award travel guides

Last updated October 23, 2026

Each guide here covers one airline program: which bank points go there, how to move them, and how to book the flight on the airline's own website.

They're written for people with US credit card points who want to book in their own accounts. Every guide links to the official pages I checked, and the date at the top tells you when I last went through it.

Which points go where

Each points program transfers to a different set of airlines, at different ratios. My transfer partners chart lists the airline partners for Amex, Chase, Citi, Capital One, Bilt, Wells Fargo and Rove, grouped by alliance.

See all transfer partners in my chart

The guides

Before you transfer anything

  1. Find the flight first, then transfer. Confirm the seats and the price on the airline's site before you move a single point. Check again right before you transfer.
  2. Transfers can't be undone. Once points are in an airline account, they stay there. Move only what the booking needs.
  3. Names must match on your bank account, airline account and passport. A mismatch is the most common reason transfers fail.
  4. Look for a transfer bonus, but don't wait on one. Banks run them now and then. A seat you can book today is worth more than a bonus that might come later.
  5. Some transfers take time. Most are instant. A few take hours or days, and each guide says what to expect.
  6. If something looks different, stop. A new price, a missing seat or a different ratio on screen is a reason to pause, not to push through.
  7. New Amex card? Link it under Manage Connections first. Each new US Membership Rewards card can start with its own separate points balance. Link it to your main account on the Amex site or app before you transfer or cancel the card.