# Chase vs. Amex transfer partners: airlines, hotels and booking rules By AwardTool | Updated 2026-10-19 Canonical URL: https://www.awardtool.com/learn/chase-vs-amex-transfer-partners Chase and Amex share several airline transfer destinations but differ in direct access to U.S. airline and hotel programs. This synthesis uses NerdWallet's October 13, 2026 comparison and the issuers' transfer instructions to explain those differences without assuming every transfer has the same ratio or value. Best for: Travelers with U.S. Ultimate Rewards or Membership Rewards balances. ## At a glance - Shared destinations include Aeroplan, Flying Blue, British Airways, KrisFlyer and Virgin Atlantic. - Chase's list includes United, Southwest and Hyatt; Amex's includes ANA and Delta. - Amex's partner directory contains several rates below 1:1; check the destination rather than assuming parity. - Eligibility and the transfer screen matter more than a blanket bank-points valuation. [Compare transfer partners](https://www.awardtool.com/transfer-partners) ## Shared and different transfer partners Section URL: https://www.awardtool.com/learn/chase-vs-amex-transfer-partners#partner-differences NerdWallet's October comparison and the issuer directories identify the overlap and differences below. These are examples of direct transfer access, not a complete list of every flight the resulting miles might book. | Transfer destination | Chase | U.S. Amex | | --- | --- | --- | | Aeroplan / Flying Blue / British Airways / KrisFlyer / Virgin Atlantic | Listed | Listed | | United / Southwest / Hyatt | Listed | Not listed in Amex directory reviewed | | ANA / Delta / LifeMiles / Qatar | Not listed in Chase directory reviewed | Listed | | Marriott | Listed | Listed | | Hilton | Not listed in Chase directory reviewed | Listed | [NerdWallet: Chase vs. Amex transfer partners (updated October 13, 2026)](https://www.nerdwallet.com/travel/learn/airline-and-hotel-transfer-partners-chase-ultimate-rewards-vs-american-express-membership-rewards) [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) [American Express US: current Membership Rewards transfer directory](https://global.americanexpress.com/rewards/transfer?linknav=en-US-oneAmex-axpSearchResults-8&searchresult=point+transfer) ## The same airline miles can require different bank points Section URL: https://www.awardtool.com/learn/chase-vs-amex-transfer-partners#conversion-differences The current U.S. Amex directory shows that Cathay Pacific, Emirates and JetBlue transfers do not use the same conversion as its 1:1 airline partners. Chase also has card-specific Hyatt terms. Check the number of bank points deducted and destination points delivered before treating two offers as equal. Amex also has conditions on whose partner account can receive points, and its transfer terms can include a fee for U.S. airline transfers. The transfer confirmation provides the applicable charge and recipient rules. The points balance on an Amex cobranded airline card is a different currency from Membership Rewards; the bank logo alone does not identify the transferable balance. [American Express US: current Membership Rewards transfer directory](https://global.americanexpress.com/rewards/transfer?linknav=en-US-oneAmex-axpSearchResults-8&searchresult=point+transfer) [The Points Guy: Chase transfer times and Hyatt rates (July 13, 2026)](https://thepointsguy.com/loyalty-programs/ultimate-rewards-transfer-times/) [Amex: account eligibility and recipient requirements](https://www.americanexpress.com/us/customer-service/faq.transfer-membership-reward-points.html?linknav=creditintel-contextual-customerservice) ## What changes when both banks transfer to the same program? Section URL: https://www.awardtool.com/learn/chase-vs-amex-transfer-partners#shared-destination A transfer to the same loyalty program funds that program's account. It does not create a separate Chase-only or Amex-only version of the award. The useful comparison is the eligible source balance, transfer rate, active offer, processing window and any charge for making the transfer. NerdWallet emphasizes choosing relevant partners rather than judging only by partner totals. Shared destinations can let travelers use either source balance, while direct destinations found on only one list create a different funding option. A carrier absent from one bank's list may still have flights bookable with another loyalty program, subject to partner award inventory. [NerdWallet: Chase vs. Amex transfer partners (updated October 13, 2026)](https://www.nerdwallet.com/travel/learn/airline-and-hotel-transfer-partners-chase-ultimate-rewards-vs-american-express-membership-rewards) [Frequent Miler: transferable partner master list (February 12, 2026)](https://frequentmiler.com/transfer-partner-master-list/) ## From a transfer comparison to a confirmed booking Section URL: https://www.awardtool.com/learn/chase-vs-amex-transfer-partners#complete-booking Both issuers require a loyalty account for the receiving program. Confirm the award there, including all travelers and cash charges. Review the transfer screen's eligibility and timing, and finish ticketing with the loyalty program after the points arrive. Chase says transfers are final and may take several business days. Amex tells members to complete the trip on the partner site after processing. A travel-portal quote is a separate booking channel with its own price and terms; it should not be described as a direct airline points transfer. The October source is recent, but it is still an article snapshot. Issuer partner lists, ratios and account offers can change after publication. Use the linked official directories to resolve a difference before moving points. [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) [American Express US: current Membership Rewards transfer directory](https://global.americanexpress.com/rewards/transfer?linknav=en-US-oneAmex-axpSearchResults-8&searchresult=point+transfer) ## Common questions ### Can Amex transfer directly to United? United is absent from the U.S. Amex directory reviewed for this guide. Chase lists United. Some United flights may be redeemable through other loyalty programs, but that is a partner award booking rather than a transfer into MileagePlus. ### Are Chase and Amex transfers always 1:1? No. The applicable rate depends on the destination and sometimes the card. The current Amex directory and recent Chase Hyatt coverage both document exceptions. ### Can a canceled award restore bank points? An award refund normally follows the loyalty program's rules. It does not automatically turn the refunded airline miles back into the original bank currency; Chase explicitly describes partner transfers as final. ## Sources and further reading Sources reviewed 2026-10-19. Publisher dates are shown where available. - [NerdWallet: Chase vs. Amex transfer partners (updated October 13, 2026)](https://www.nerdwallet.com/travel/learn/airline-and-hotel-transfer-partners-chase-ultimate-rewards-vs-american-express-membership-rewards) - [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) - [American Express US: current Membership Rewards transfer directory](https://global.americanexpress.com/rewards/transfer?linknav=en-US-oneAmex-axpSearchResults-8&searchresult=point+transfer) - [The Points Guy: Chase transfer times and Hyatt rates (July 13, 2026)](https://thepointsguy.com/loyalty-programs/ultimate-rewards-transfer-times/) - [Frequent Miler: transferable partner master list (February 12, 2026)](https://frequentmiler.com/transfer-partner-master-list/) - [Amex: transferring Membership Rewards](https://www.americanexpress.com/us/customer-service/faq.transfer-membership-reward-points.html?linknav=creditintel-contextual-customerservice) ## Before you book Award availability and prices can change. Confirm the exact itinerary, cabin, traveler count, points, and cash total with the loyalty program before transferring points or booking. Search access and limits depend on your plan. [See current plans](https://www.awardtool.com/pro) ## Related guides - [Compare Amex, Chase, Citi, Capital One, Bilt and Wells Fargo transfers](https://www.awardtool.com/learn/compare-bank-transfer-programs) - [How to use transfer partners, points tools, and Live Seat Map](https://www.awardtool.com/learn/points-and-travel-tools) - [How to search award flights with Real-Time and Mega Search](https://www.awardtool.com/learn/real-time-and-mega-search)