Hotels Hub

Last updated: February 2026

Transferring credit card points to hotel loyalty programs can unlock outsized value on award stays, but it can also destroy value if done carelessly. This directory covers every hotel transfer partner available through the major transferable points programs (Amex, Chase, Capital One, Citi, and Bilt), with links to each program’s dedicated guide, a decision checklist to avoid costly mistakes, and a simple value-check framework.

Every transfer to a hotel program is irreversible. Once points leave a credit card currency, they cannot be moved back. That single fact makes this the most important page to read before transferring anything.

For the full picture of all transfer partners, including airlines, see the complete credit card transfer partners guide.

Key Takeaways

• Hotel transfers are one-way and permanent. Always confirm award availability and calculate value before moving points.
• World of Hyatt consistently delivers the highest cents-per-point (CPP) value among hotel transfer partners, especially through Chase Ultimate Rewards and Bilt Rewards.
• Not every hotel program accepts transfers from every card issuer. The quick-reference table below shows exactly which programs connect to which cards.
• Transfer bonuses can improve marginal transfers, but they shouldn’t be the sole reason to move points into a hotel program.
• Cash rates sometimes beat award stays. Use the Award Travel Calculators to run a quick value check before committing.

What Are Hotel Transfer Partners and When Do Transfers Make Sense?

Hotel transfer partners are hotel loyalty programs that accept direct point transfers from one or more transferable credit card currencies. Instead of booking through a card’s travel portal (often at a fixed rate like 1 CPP), transferring to a hotel program lets you book at the program’s award pricing, which can yield significantly more or less value depending on the property and redemption.

Transfers make sense when:

• The award rate delivers more than 1.0 CPP (the baseline for most portal bookings)
• Award availability is confirmed before you transfer
• The cancellation policy on the award booking is acceptable
• You’ve compared the cash rate and confirmed the points redemption is genuinely better

Transfers don’t make sense when:

• The cash rate is low enough that portal booking or paying cash yields better value
• You’re speculating on future availability without a confirmed booking window
• The transfer ratio is poor (e.g., transferring at 2:1 into a program with dynamic pricing that may shift)
• You’d leave yourself short of points in the card currency for a higher-value airline redemption

Rule of thumb: If a hotel award redemption doesn’t clear at least 1.5 CPP after accounting for the transfer ratio, consider paying cash or booking through a portal instead.

Quick-Reference Table: Hotel Transfer Partners by Program

The table below lists every hotel program with a dedicated guide on Award Travel Hub, along with the major credit card programs that transfer directly. Click the program name to read the full guide.

Note: Transfer ratios and processing times vary by program and card issuer. Each guide linked above contains the most current ratio and timing details. Do not assume 1:1 transfers; check the specific guide before transferring.

Hotel Transfer Partners A–Z: Program Summaries

Below is a short profile of each hotel program in the directory. Each entry names the card programs that transfer directly, highlights a primary use case, and links to the full guide.

Accor ALL

Citi ThankYou points transfer directly to Accor ALL (Accor Live Limitless). Accor’s portfolio spans budget brands like ibis through luxury properties like Raffles and Fairmont, with heavy concentration in Europe, Asia, and the Middle East.

Best for: Booking luxury Accor properties in Europe and Asia where cash rates are high, and award pricing delivers strong CPP.

📖 Read the full Accor ALL Transfer Partners Guide

Choice Privileges

Citi ThankYou and Bilt Rewards transfer to Choice Privileges. Choice operates primarily economy and midscale brands (Comfort Inn, Quality Inn, Cambria Hotels) across North America.

Best for: Budget-friendly domestic stays where even modest point values can offset low nightly rates, particularly at Cambria and Ascend Collection properties where cash rates are higher.

📖 Read the full Choice Privileges Transfer Partners Guide

Hilton Honors

Amex Membership Rewards and Bilt Rewards transfer to Hilton Honors. Hilton’s massive global footprint includes Conrad, Waldorf Astoria, LXR, and dozens of other brands.

Best for: Aspirational luxury stays at Conrad and Waldorf Astoria properties, where standard award rates can deliver 1.0+ CPP despite Hilton’s generally lower per-point value. The Amex transfer ratio (typically 1:2) means each Amex point becomes two Hilton points, but Hilton points are worth less individually, so the math requires careful checking.

📖 Read the full Hilton Honors Transfer Partners Guide

IHG One Rewards

Chase Ultimate Rewards, Citi ThankYou, and Bilt Rewards all transfer to IHG One Rewards. IHG’s brands include InterContinental, Kimpton, Hotel Indigo, and Holiday Inn.

Best for: InterContinental and Kimpton stays in high-cost cities where dynamic award pricing hasn’t inflated beyond reasonable CPP. IHG uses dynamic pricing, so value varies significantly by property and date.

📖 Read the full IHG One Rewards Transfer Partners Guide

I Prefer Hotels & Resorts (Preferred Hotels)

Citi ThankYou transfers to I Prefer, the loyalty program for Preferred Hotels & Resorts. This is a collection of independent luxury and boutique hotels worldwide.

Best for: Unique independent hotel stays that aren’t available through major chains, particularly in destinations where Preferred Hotels has strong representation.

📖 Read the full I Prefer Transfer Partners Guide

Leaders Club (The Leading Hotels of the World)

Citi ThankYou transfers to Leaders Club, the loyalty program for The Leading Hotels of the World (LHW). LHW curates a collection of high-end independent properties.

Best for: Ultra-luxury independent hotel bookings where LHW membership benefits (room upgrades, breakfast) add value beyond the point redemption itself.

📖 Read the full Leaders Club Transfer Partners Guide

Marriott Bonvoy

Amex Membership Rewards, Chase Ultimate Rewards, and Bilt Rewards transfer to Marriott Bonvoy. Marriott is the world’s largest hotel chain, with brands from Courtyard through Ritz-Carlton and St. Regis.

Best for: Stays at premium Marriott brands (St. Regis, Ritz-Carlton, EDITION, Luxury Collection) in destinations where cash rates exceed $400/night. Marriott also has 40+ airline transfer partners for outbound transfers, though the ratios are typically 3:1, which limits the value of airline transfers.

📖 Read the full Marriott Bonvoy Transfer Partners Guide

Wyndham Rewards

Capital One miles, Citi ThankYou points, and Bilt Rewards points transfer to Wyndham Rewards. Wyndham operates mostly economy and midscale brands (La Quinta, Ramada, Days Inn) plus the upscale Registry Collection.

Best for: Flat-rate redemptions at higher-end Wyndham properties where the fixed award cost delivers outsized value compared to the cash rate. Transfer bonuses to Wyndham (sometimes 20–30%) can further improve the math.

📖 Read the full Wyndham Rewards Transfer Partners Guide

World of Hyatt

Chase Ultimate Rewards and Bilt Rewards transfer to World of Hyatt. Hyatt’s portfolio is smaller than Marriott or Hilton but includes Park Hyatt, Andaz, Thompson Hotels, and the all-inclusive Hyatt Ziva/Zilara brands.

Best for: Consistently the highest-value hotel transfer partner. Hyatt’s category-based award chart (though it has shifted toward dynamic elements) still delivers 1.5–3.0+ CPP at many properties. The Chase-to-Hyatt 1:1 transfer is widely considered the single best hotel transfer in the points ecosystem.

📖 Read the full World of Hyatt Transfer Partners Guide

How to Do a Quick Value Check Before Transferring

Before moving any transferable points into a hotel program, run a simple value calculation. The Award Travel Calculators page has tools to help, but here’s the basic logic:

Example: Checking a Hyatt Redemption

Scenario: A Park Hyatt property shows a cash rate of $450/night for a 2-night stay ($900 total before taxes). The award rate is 25,000 Hyatt points per night (50,000 total). You have Chase Ultimate Rewards points that transfer 1:1 to Hyatt.

The math:

1. Cash cost: $900 (before taxes/fees on a paid stay)
2. Points required: 50,000 Hyatt points = 50,000 Chase points at 1:1
3. Value per point: $900 ÷ 50,000 = 1.8 CPP

Assessment: At 1.8 CPP, this beats the Chase travel portal rate (typically ~1.25–1.5 CPP depending on your card) and comfortably exceeds the 1.0 CPP cash-out baseline. This transfer makes sense.

Now compare: if the same hotel were running a promotional cash rate of $180/night ($360 total), the math changes to $360 ÷ 50,000 = 0.72 CPP. At that rate, paying cash and saving points for a higher-value redemption is the better move.

Always run this check. It takes 60 seconds and prevents regret.

Decision Checklist: Avoid Bad Hotel Transfers

Use this checklist before every hotel point transfer. If you can’t check every box, reconsider the transfer.

• ☐ Award availability confirmed — You’ve verified the specific dates and room type are bookable with points right now, not “probably available.”
• ☐ Value check completed — The CPP exceeds what you’d get through a travel portal or cash-back redemption (aim for at least 1.5 CPP for hotel transfers to justify the irreversibility).
• ☐ Cash rate compared — You’ve checked the cash price on the hotel’s site, an OTA, and any corporate/AAA rates. Sometimes cash wins.
• ☐ Cancellation policy reviewed — Award stays sometimes have different cancellation windows than paid stays. Confirm you can cancel without losing points if plans change.
• ☐ Transfer ratio accounted for — Your value calculation uses the actual transfer ratio, not a 1:1 assumption. (Example: 1,000 Amex = 2,000 Hilton means each Amex point is “buying” 2 Hilton points, but Hilton points are worth less per unit.)
• ☐ No better use for these points — Consider whether the same points could deliver more value transferred to an airline for a premium cabin award. A business class flight worth 5+ CPP usually beats a hotel stay worth 1.5 CPP.
• ☐ Transfer is irreversible — accepted — You understand that once points move to the hotel program, they cannot be returned to the credit card currency. Ever.
• ☐ Account names match — The loyalty account name matches the credit card account holder’s name. Mismatched names can cause transfers to fail or be delayed.

Common mistake: Transferring points to a hotel program during a transfer bonus promotion without first confirming award availability. The bonus is worthless if you can’t book what you want, and now you have orphaned hotel points sitting in a program you may not use.

How to Use This Directory

This page is the starting point for all hotel transfer partner research on Award Travel Hub. Here’s how to use it effectively:

1. Identify your credit card currency. Check the Bank Transfer Partners Guide if you’re unsure which programs your cards earn.
2. Find eligible hotel programs. Use the quick-reference table above to see which hotel programs accept transfers from your card.
3. Click through to the program guide. Each guide covers current transfer ratios, processing times, sweet spots, and program-specific tips.
4. Run the value check. Use the Award Travel Calculators or the manual method described above.
5. Transfer only after confirming availability. This is the most important step. Do not transfer speculatively.

For a broader view that includes airline partners alongside hotel programs, the credit card transfer partners master guide shows every transfer option across all currencies in one place.

Which Credit Card Programs Have the Best Hotel Transfer Partners?

Chase Ultimate Rewards and Bilt Rewards offer the strongest hotel transfer lineup because both transfer to World of Hyatt, which consistently delivers the highest CPP among hotel programs.

Here’s how each card program stacks up for hotel transfers specifically:

Chase Ultimate Rewards

Chase transfers to Hyatt (1:1), Marriott, and IHG. The Hyatt partnership alone makes Chase the most valuable card currency for hotel redemptions. The 1:1 ratio to Hyatt is the gold standard.

Choose Chase if: You prioritize high-value hotel stays and want the single best hotel transfer option available. See the Chase Transfer Partners Guide for more details.

Bilt Rewards

Bilt transfers to Hyatt, Marriott, Hilton, IHG, Wyndham, and Choice — the broadest hotel transfer lineup of any card program. The Hyatt 1:1 transfer matches Chase, and the additional partners provide flexibility.

Choose Bilt if: You want maximum hotel program coverage from a single currency, or you earn Bilt points through rent payments and want hotel-focused redemptions. See the Bilt Transfer Partners Guide for the full breakdown.

Amex Membership Rewards

Amex transfers to Marriott and Hilton. Neither is a standout hotel partner — Marriott ratios are typically 1:1, but Marriott points are worth less per unit than Hyatt, and Hilton’s 1:2 ratio produces points worth roughly 0.5 CPP each.

Choose Amex for hotels if: You’re targeting a specific Marriott or Hilton property where the math works. Otherwise, Amex points generally deliver better value through airline transfers. More details in the Amex Transfer Partners Guide.

Citi ThankYou

Citi transfers to IHG, Wyndham, Choice, Accor, I Prefer, and Leaders Club. Citi is the only major program with access to Accor, I Prefer, and Leaders Club, making it uniquely valuable for independent and European luxury hotels.

Choose Citi if: You’re booking boutique/independent luxury hotels through I Prefer or Leaders Club, or targeting Accor properties in Europe and Asia. The Citi Transfer Partners Guide covers all options.

Capital One Miles

Capital One transfers to Wyndham. This is a limited hotel lineup, but Wyndham’s flat-rate redemptions can deliver solid value at higher-end properties. The Capital One Transfer Partners Guide has the full details.

Choose Capital One for hotels if: You’re specifically targeting a Wyndham property, especially during a transfer bonus promotion.

When Should You Transfer Points to Hotels vs. Airlines?

This is the most common question, and the answer is straightforward: airline transfers almost always deliver higher CPP than hotel transfers, particularly for Premium Cabin awards (business and first class).

A Business Class award through an airline partner might deliver 3–8 CPP. A strong hotel redemption typically delivers 1.5–3.0 CPP. The gap matters.

Transfer to hotels when:

• You don’t have an upcoming premium cabin travel planned
• The hotel redemption clears 1.5+ CPP, and the alternative (cash or portal) is meaningfully worse
• You’re booking an all-inclusive Hyatt Ziva/Zilara, where the effective CPP includes meals, drinks, and activities
• You have points in a currency with limited airline partners but strong hotel partners for your trip

Transfer to airlines when:

• You have a specific premium cabin flight in mind with confirmed saver-level availability
• The CPP exceeds what any hotel redemption would deliver
• You’re comfortable with the airline program’s rules around stopovers, married segments, and routing

For airline transfer options, browse the Airlines Hub or the credit card transfer partners overview.

Common Mistakes With Hotel Point Transfers

These are the errors that cost points travelers the most value:

1. Transferring before checking availability. The number-one mistake. Award space can disappear between the time you check and the time the points land, but at least confirm it exists first.

   
   

2. Ignoring the transfer ratio in value calculations. If 1,000 Amex points are converted to 2,000 Hilton points, your cost basis remains 1,000 Amex points. Calculate CPP based on the credit card points spent, not the hotel points received.

   
   

3. Chasing transfer bonuses without a plan. A 30% bonus to Wyndham is great if you have a specific Wyndham booking in mind. It’s worthless if you’re just stockpiling points “for later” in a program with devaluation risk.

   
   

4. Forgetting that hotel programs use dynamic pricing. IHG, Hilton, and increasingly Marriott price awards dynamically. The points required for the same room can change daily. Lock in the rate before transferring.

   
   

5. Not comparing portal rates. Chase Sapphire Reserve cardholders get 1.5 CPP through the Chase portal. If a Hyatt redemption yields only 1.4 CPP, the portal booking is actually better — it earns Hyatt points/nights toward status.

   
   

6. Transferring too many points. Transfer only what you need for a confirmed booking. Leftover hotel points sitting in a program you rarely use represent trapped value.

   
   

Frequently Asked Questions About Hotel Transfer Partners

How long do hotel point transfers take?

Transfer times vary by program and card issuer. Chase to Hyatt is typically instant. Amex to Marriott can take 1–2 business days. Citi to IHG has been reported to take up to 14–21 days in some cases. Always check the specific program guide for current timing before relying on a transfer for an upcoming stay.

Can I reverse a hotel point transfer?

No. Transfers from credit card programs to hotel loyalty programs are permanent and irreversible across all major programs. This applies to Amex, Chase, Capital One, Citi, and Bilt. There are no exceptions.

Do my credit card and hotel loyalty account names need to match?

Yes. Most programs require the name on the credit card account to match the name on the hotel loyalty account. Mismatched names can delay or block transfers. If your name differs slightly (middle name, suffix), contact the card issuer before attempting a transfer.

What’s the best hotel transfer partner overall?

World of Hyatt, accessed through Chase Ultimate Rewards or Bilt Rewards at a 1:1 ratio. Hyatt consistently delivers the highest CPP among hotel programs due to its category-based pricing and relatively modest point requirements at luxury properties.

Are transfer bonuses worth waiting for?

Sometimes. If you have a specific booking in mind and can wait, a 20–30% bonus meaningfully reduces the cost. But don’t delay a booking you need just to hope for a bonus that may not materialize. And never transfer during a bonus unless the award is confirmed.

Should I transfer Amex points to Hilton at the 1:2 ratio?

Only if the specific redemption delivers strong value. Because Hilton points are generally worth 0.4–0.6 CPP each, the effective value of an Amex-to-Hilton transfer often lands around 0.8–1.2 CPP per Amex point. That’s below what many airline transfers deliver. Run the math on your specific booking.

Can I transfer hotel points to airline miles?

Yes, but this is an outbound transfer from the hotel program, not a credit card transfer. Marriott Bonvoy offers 40+ airline transfer partners (typically at 3:1, with a 5,000-mile bonus per 60,000 points transferred to some airlines). Hyatt transfers to about 25 airlines at a 5:2 ratio. These outbound transfers are generally poor value compared to direct credit card-to-airline transfers.

Do hotel award stays earn elite night credits?

It depends on the program. Hyatt award stays earn elite night credits. Marriott award stays earn elite night credits. Hilton award stays earn elite night credits. IHG award stays do not earn toward elite status in most cases. Check each program’s rules.

What happens if award availability disappears after I transfer?

You’re stuck with hotel points in that program. This is why the decision checklist emphasizes confirming availability before transferring. If this happens, look for alternative properties or dates within the same program, or hold the points for future use.

Is it better to use a hotel co-branded card instead of transferring?

Co-branded cards earn hotel points directly (often at accelerated rates for hotel spending) and come with elite status benefits. If you stay with one chain frequently, a co-branded card may be more efficient than transferring from a general-purpose card. But co-branded cards lack the flexibility of transferable points currencies. The right answer depends on your travel patterns.

Do transfer bonuses apply to hotel partners?

Yes, though they’re less common than airline transfer bonuses. Wyndham, Hilton, and Marriott have all been targets of transfer bonus promotions from various card programs. These are typically 20–40% bonuses and last 2–8 weeks.

How do I find the best hotel award rates?

Search directly on the hotel program’s website or app. Filter by “use points” and compare the points required against the cash rate. For programs with dynamic pricing (IHG, Hilton), check multiple date ranges — shifting by even one day can significantly change the points required.

Next Steps

1. Find your card program in the quick-reference table above.
2. Click through to the specific hotel program guide that matches your travel plans.
3. Verify the current transfer ratio and timing in that guide — ratios can change, and outdated assumptions cost points.
4. Run a value check using the Award Travel Calculators before committing to any transfer.
5. Confirm award availability on the hotel program’s website for your exact dates and property.
6. Transfer only what you need for a confirmed or near-confirmed booking.

For a complete view of all transfer partners — airlines and hotels — across every major credit card program, visit the Credit Card Transfer Partners master guide.

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