# Chase vs. Citi transfer partners: AAdvantage, United and shared options By AwardTool | Updated 2026-10-19 Canonical URL: https://www.awardtool.com/learn/chase-vs-citi-transfer-partners Citi ThankYou and Chase Ultimate Rewards provide different direct routes into U.S. airline programs: Citi lists American AAdvantage, while Chase lists United MileagePlus and Southwest. They also share international destinations. Account eligibility and the actual award offer determine which path is available. Best for: Travelers comparing Citi ThankYou Points and Chase Ultimate Rewards balances. ## At a glance - Citi's published partner information includes American AAdvantage. - Chase's list includes United, Southwest, Aeroplan and Hyatt. - Citi transfer coverage distinguishes rates by the card and loyalty destination. - A Citi/AAdvantage card earns a different currency from a transferable ThankYou balance. [Compare transfer partners](https://www.awardtool.com/transfer-partners) ## American and United access are different funding paths Section URL: https://www.awardtool.com/learn/chase-vs-citi-transfer-partners#direct-access Current Citi information includes American Airlines among ThankYou transfer destinations. Chase's directory includes United and Southwest. These are direct transfers to the named accounts; they should not be confused with booking flights operated by the same airlines using another program's miles. | Selected destination | Chase | Citi ThankYou | | --- | --- | --- | | American AAdvantage | Not listed in Chase directory reviewed | Listed; card-dependent conversion | | United / Southwest | Listed | Not listed in the cited Citi partner guide | | Flying Blue / KrisFlyer / Virgin Atlantic | Listed | Listed | | Aeroplan / Hyatt | Listed | Not listed in the cited Citi partner guide | | LifeMiles / Qatar / Turkish | Not listed in Chase directory reviewed | Listed | [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) [Citi: Strata transfer access and ThankYou redemption information](https://www.citi.com/credit-cards/citi-strata-credit-card) [Frequent Miler: Citi transfer partners (February 19, 2026)](https://frequentmiler.com/citi-thankyou-rewards-airline-and-hotel-transfer-partners/) ## Why the exact Citi or Chase card matters Section URL: https://www.awardtool.com/learn/chase-vs-citi-transfer-partners#card-eligibility Frequent Miler's Citi guide distinguishes transfer access and conversion by card. A rate quoted for one card should not be presented as the rate available to every ThankYou account. Chase separately requires a transfer-enabled card. An airline cobranded card and a bank's transferable-points card may carry the same issuer's logo while earning different rewards. Confirm whether your balance is ThankYou Points, Ultimate Rewards or airline miles before following a transfer guide. The issuer's rewards account identifies the currency and available transfer features. [Frequent Miler: Citi transfer partners (February 19, 2026)](https://frequentmiler.com/citi-thankyou-rewards-airline-and-hotel-transfer-partners/) [Citi: Strata transfer access and ThankYou redemption information](https://www.citi.com/credit-cards/citi-strata-credit-card) [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) ## Shared destinations still need their own award search Section URL: https://www.awardtool.com/learn/chase-vs-citi-transfer-partners#shared-options Frequent Miler's Citi guide and current issuer directories identify several shared international programs. Funding the same loyalty account from different issuers can be useful where both transfers are permitted, but the destination program still determines the award offered and its cash charges. A partner airline can make some award inventory available to another program without making every seat or every fare available. Search the intended booking program for the exact route, dates, cabin and traveler count. The fact that one bank transfers to American and another to United does not settle a comparison involving a different operating airline. [Frequent Miler: Citi transfer partners (February 19, 2026)](https://frequentmiler.com/citi-thankyou-rewards-airline-and-hotel-transfer-partners/) [Frequent Miler: programs accepting multiple transferable currencies (September 9, 2026)](https://frequentmiler.com/the-most-promiscuous-airline-programs/) ## Transfer rules and booking terms need separate confirmation Section URL: https://www.awardtool.com/learn/chase-vs-citi-transfer-partners#transfer-and-book Confirm the source-bank conversion and destination award before moving points. Chase describes final transfers and a processing window that can extend beyond an instant transaction. Citi provides program-specific rates and terms through the ThankYou transfer experience. After transfer, changes and cancellations are administered under the ticketing program's rules. A refund into an airline account is distinct from restoring a bank balance. Compare the actual cash charges and refund conditions alongside the required points, and check the portal or cash fare as a separate option. The February Citi guide is a dated editorial reference. It does not establish that every offer or conversion available then remains available to every account in October. The current issuer screen resolves those account-specific details. [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) [Frequent Miler: Citi transfer partners (February 19, 2026)](https://frequentmiler.com/citi-thankyou-rewards-airline-and-hotel-transfer-partners/) [Frequent Miler: transferable partner master list (February 12, 2026)](https://frequentmiler.com/transfer-partner-master-list/) ## Common questions ### Can Citi ThankYou Points transfer to American Airlines? American is included in the Citi information reviewed. Eligibility and the conversion available depend on the card and account; confirm them in the ThankYou transfer screen. ### Can Chase points transfer directly to American? American is absent from the Chase directory reviewed. A partner-program award on an American flight is a separate redemption path and does not move points into AAdvantage. ### Can I send points directly between Chase and Citi? The cited travel-partner features convert rewards to participating loyalty programs. They do not provide a direct Chase-to-Citi bank rewards exchange. ## Sources and further reading Sources reviewed 2026-10-19. Publisher dates are shown where available. - [Frequent Miler: Citi transfer partners (February 19, 2026)](https://frequentmiler.com/citi-thankyou-rewards-airline-and-hotel-transfer-partners/) - [Frequent Miler: programs accepting multiple transferable currencies (September 9, 2026)](https://frequentmiler.com/the-most-promiscuous-airline-programs/) - [Citi: Strata transfer access and ThankYou redemption information](https://www.citi.com/credit-cards/citi-strata-credit-card) - [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) - [Frequent Miler: transferable partner master list (February 12, 2026)](https://frequentmiler.com/transfer-partner-master-list/) ## 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) - [Chase vs. Capital One transfers: partners, ratios and award booking](https://www.awardtool.com/learn/chase-vs-capital-one-transfers) - [How to use transfer partners, points tools, and Live Seat Map](https://www.awardtool.com/learn/points-and-travel-tools)