Some of the best credit cards allow you to earn points which can then be transferred to other programs. Chase for example has the Ultimate Rewards program. Cards like the Sapphire Reserve and Sapphire Preferred earn Ultimate Rewards points. Those points can then be redeemed directly with Chase, or transferred to an airline or hotel partner. For example, you could transfer 1,000 Ultimate Reward points to JetBlue which would earn you 1,000 TrueBlue points.

The value in these exchanges is that you can often get greater than 1 cent per point value from your bank’s points.

AirlineChase Ultimate RewardsAmex Membership RewardsCiti Thank YouBarclaysMarriott Rewards
Aegean3:1
Air Canada1:11.7:13:1
Air China3:1
Air New Zealand200:1
ANA1:13:1
Asiana Airlines3:1
Avianca1:11.4:1
CopaAirlines3:1
EVAAIR1:11.4:1
Lufthansa3:1
Singapore Airlines1:11:11:13:1
South African Airways3:1
TAP Portugal3:1
THAI1:13:1
Turkish Airlines1:13:1
United1:13:1.1
Aeroflot3:1
AeroMexico1:1.61.4:13:1
Alitalia1:13:1
China Eastern1.4:13:1
China Southern3:1
Delta1:13:1
KLM / AirFrance1:11:11:11.4:13:1
Garuda Indonesia1:1
Korean Air3:1
Saudia3:1
American Airlines3:1
British Airways1:11:13:1
Cathay Pacific1:11:13:1
Iberia1:11:13:1
Japan Airlines1.7:13:1
Latam3:1
Malaysia3:1
Qantas1:11.4:13:1
Qatar1:13:1
Aer Lingus1:11:1
Alaska Airlines3:1
Emirates1:13:1
Etihad1:11:11.4:13:1
Frontier3:1
Hawaiian Airlines1:13:1
Jet Airways1:11.4:13:1
JetBlue1:15:42:16:1
Southwest1:13:1
Virgin atlantic1:11:11:13:1
Virgin Australia3:1