Best Cards with Transfer Partners 2026

Cards earning transferable points that can be moved to airline and hotel loyalty programs for outsized value. 3 cards with $4,425+ in total sign-up bonus value.

American Express

American Express Business Gold

200,000 points
~$2,400 value
Spend Required$15,000 in 3 months
Annual Fee$375
Base Rewards1x on all purchases
4x on top 2 categories each month (up to $150k/yr)Categories: airfare, advertising, gas, shipping, computing, restaurants
Apply NowDetails
Capital One

Capital One Venture Rewards

75,000 miles
~$1,125 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
5x hotels/rentals via Capital One Travel
Apply NowDetails
Wells Fargo

Wells Fargo Autograph Journey Card

60,000 points
~$900 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
5x hotels4x airlines3x restaurants+1 more
Apply NowDetails

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Lounge AccessTravel CreditGlobal Entry / TSA PreCheckNo Foreign Transaction Fees0% Intro APRFree Checked BagsHotel Credit

Frequently Asked Questions

What are transfer partners?

Transfer partners are airline and hotel loyalty programs that accept point transfers from your credit card rewards program. Transferring points often yields 1.5-3x more value than redeeming through the card issuer.

Which cards have the most transfer partners?

Amex Membership Rewards and Chase Ultimate Rewards each have 15+ airline and hotel transfer partners. Capital One also has a growing list of transfer partners.