Credit Card Points to Miles Calculator
Convert your Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou Points, Capital One Miles, or Bilt Rewards into airline miles. See the exact transfer ratio, minimum, and estimated dollar value before you commit \u2014 transfers are irreversible. All calculations run locally in your browser.
10,000
World of Hyatt points
$170\u2013$250
Est. value (USD)
1:1
Transfer ratio
How we calculated this
10,000 points × 1 (1:1) = 10,000 miles
- Transfer ratio
- 1 point = 1 mile (1:1)
- Minimum transfer
- 1,000 points
- Block size
- 1,000 points
- Rounding
- No rounding applied (exact)
- Processing time
- Instant
- Transfer fee
- No transfer fee. Requires an eligible Chase card.
How many points for a target number of miles?
Enter the miles you need for an award \u2014 we'll calculate the points required.
50,000
Chase UR points needed
50
transfer blocks
To get 50,000 World of Hyatt miles, transfer 50,000 Chase UR points in 50 blocks of 1,000.
All banks that transfer to this partner
Sorted by best ratio (fewest points per mile).
| Bank | Ratio | Min | Processing time |
|---|---|---|---|
| Chase UR | 1:1 | 1,000 | Instant |
| Bilt | 1:1 | 1,000 | Instant |
Data current as of Jul 12, 2026. Transfer rates change \u2014 verify current terms on your bank's website before transferring.
Which airline or hotel program should you transfer to?
The right partner depends on your travel goals. Here are the ten programs you can transfer to from at least one major US bank rewards program. Each links to a dedicated calculator page with per-bank transfer ratios and valuation details.
How the calculator works
- Transfer ratio: Most US bank-to-airline transfers are 1:1 (1 point = 1 mile). The calculator applies the exact published ratio for your chosen bank and partner.
- Minimum threshold: Every bank has a minimum transfer amount (usually 1,000 points). If your balance is below the minimum, the calculator tells you how many more points you need.
- Block rounding: Transfers happen in blocks (typically 1,000 points). The calculator floors your balance to whole blocks and shows leftover points.
- Value estimate: The estimated dollar range uses conservative per-mile valuations from The Points Guy and Frequent Miler so you can see what your miles are worth before you transfer.
Before you transfer
Bank-to-airline transfers are irreversible. Before you transfer:
- Confirm award availability on the airline\u2019s website first \u2014 never transfer speculatively.
- Check the per-mile value you expect to get. If it\u2019s below 1 cent, you\u2019re better off redeeming points for cash back or travel-portal bookings.
- Understand the airline program\u2019s expiration policy. Many miles expire after 18\u201324 months of inactivity.
- Use our MCC lookup to optimize which card you use for everyday spending.
Frequently asked questions
How much are credit card points worth?
It depends on which bank program and which transfer partner you use. Bank points transferred to airline or hotel partners are typically worth 1–2.5 cents each, far more than the 1 cent you’d get redeeming for cash back. Hyatt points and Alaska miles tend to be the most valuable, while Delta SkyMiles and Marriott Bonvoy points sit at the lower end.
Which bank has the best transfer partners?
Chase Ultimate Rewards and Amex Membership Rewards are the two strongest US programs. Chase is the only major bank that transfers to World of Hyatt and United MileagePlus. Amex is the only one that transfers to Delta SkyMiles. If you want Hyatt, fly United, or use Southwest, Chase is the better choice; if you fly Delta, Amex is essential. Citi, Capital One, and Bilt complement rather than replace them.
Is it better to transfer points or book through the bank portal?
Transferring to airline/hotel partners almost always yields more value per point. Booking through a bank portal (like Chase Ultimate Rewards Travel or Amex Travel) typically gives a fixed 1–1.5 cents per point, while strategic transfers can unlock 2–5 cents per point on premium-cabin flights or luxury hotels. The trade-off: portal bookings are simple and flexible, while transfers require finding award availability.
Do bank points expire?
Chase Ultimate Rewards points and Amex Membership Rewards points do not expire as long as your account is open and in good standing. Citi ThankYou Points also don’t expire while your account is open. Capital One miles don’t expire. Bilt points don’t expire. However, once you transfer to an airline or hotel program, that program’s expiration rules apply.
How long do transfers take?
Most US bank-to-airline transfers are instant (the miles appear in your frequent-flyer account within seconds to minutes). A few partners, like Marriott Bonvoy, may take 1–2 business days. Always transfer well before you plan to book an award flight, and never assume the miles will arrive in time for a same-day booking without checking first.
Can I reverse a transfer?
No. Once you transfer points to an airline or hotel program, the transfer is irreversible. Only transfer when you have a specific redemption in mind and have confirmed award availability. This is the single biggest mistake points beginners make.
What are the per-mile valuations based on?
The low and high per-mile values come from The Points Guy’s monthly valuations and Frequent Miler’s pairwise analysis, both of which track real-world redemption values across economy and premium cabins. The ranges are deliberately conservative — your actual redemption value may be higher or lower depending on the specific flight or hotel you book.
Sources
- The Points Guy — Monthly valuations
- Frequent Miler — Points valuations
- Doctor of Credit — Transfer partner changes
- Chase Ultimate Rewards — Transfer partners
- Amex Membership Rewards — Transfer partners
- Citi ThankYou Rewards — Transfer partners
Data last reviewed 2026-07-12. Transfer rates change \u2014 verify current terms on your bank\u2019s website before transferring points.