{
  "schema_version": 1,
  "generated": "2026-10-26T02:28:46.605Z",
  "license": "CC BY 4.0",
  "license_url": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Window Seats Club (https://windowseatsclub.com)",
  "programs": [
    {
      "id": "amex-mr",
      "name": "Amex Membership Rewards",
      "short": "Amex MR",
      "issuer": "American Express",
      "currency": "Membership Rewards points",
      "market": "US",
      "source": {
        "url": "https://global.americanexpress.com/rewards/transfer",
        "type": "cardmember",
        "checked_at": "2026-10-25",
        "note": "Read from a US Platinum cardmember's transfer page on Oct 25, 2026. That page requires a login, so ratios are re-checked against public Amex and partner pages."
      },
      "partners": [
        {
          "id": "aer-lingus-aerclub",
          "name": "Aer Lingus AerClub",
          "loyalty_currency": "Avios",
          "type": "airline",
          "alliance": "none",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "aeromexico-rewards",
          "name": "Aeromexico Rewards",
          "loyalty_currency": "Aeromexico Rewards points",
          "type": "airline",
          "alliance": "SkyTeam",
          "from": 1000,
          "to": 1600,
          "min_transfer": 1000,
          "increment": 1000,
          "transfer_time": "48 hours"
        },
        {
          "id": "aeroplan",
          "name": "Air Canada Aeroplan",
          "loyalty_currency": "Aeroplan points",
          "type": "airline",
          "alliance": "Star Alliance",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "flying-blue",
          "name": "Air France-KLM Flying Blue",
          "loyalty_currency": "Flying Blue miles",
          "type": "airline",
          "alliance": "SkyTeam",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000,
          "transfer_time": "48 hours"
        },
        {
          "id": "ana-mileage-club",
          "name": "ANA Mileage Club",
          "loyalty_currency": "ANA miles",
          "type": "airline",
          "alliance": "Star Alliance",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "lifemiles",
          "name": "Avianca LifeMiles",
          "loyalty_currency": "LifeMiles",
          "type": "airline",
          "alliance": "Star Alliance",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "british-airways-club",
          "name": "British Airways Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "alliance": "oneworld",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "asia-miles",
          "name": "Cathay Pacific",
          "loyalty_currency": "Asia Miles",
          "type": "airline",
          "alliance": "oneworld",
          "from": 1000,
          "to": 800
        },
        {
          "id": "delta-skymiles",
          "name": "Delta SkyMiles",
          "loyalty_currency": "SkyMiles",
          "type": "airline",
          "alliance": "SkyTeam",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "emirates-skywards",
          "name": "Emirates Skywards",
          "loyalty_currency": "Skywards Miles",
          "type": "airline",
          "alliance": "none",
          "from": 1000,
          "to": 800
        },
        {
          "id": "iberia-club",
          "name": "Iberia Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "alliance": "oneworld",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "jetblue-trueblue",
          "name": "JetBlue TrueBlue",
          "loyalty_currency": "TrueBlue points",
          "type": "airline",
          "alliance": "none",
          "from": 250,
          "to": 200
        },
        {
          "id": "qantas-frequent-flyer",
          "name": "Qantas Frequent Flyer",
          "loyalty_currency": "Qantas Points",
          "type": "airline",
          "alliance": "oneworld",
          "from": 500,
          "to": 500
        },
        {
          "id": "qatar-privilege-club",
          "name": "Qatar Airways Privilege Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "alliance": "oneworld",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "krisflyer",
          "name": "Singapore Airlines KrisFlyer",
          "loyalty_currency": "KrisFlyer miles",
          "type": "airline",
          "alliance": "Star Alliance",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "virgin-atlantic-flying-club",
          "name": "Virgin Atlantic Flying Club",
          "loyalty_currency": "Virgin Points",
          "type": "airline",
          "alliance": "SkyTeam",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "choice-privileges",
          "name": "Choice Privileges",
          "loyalty_currency": "Choice Privileges points",
          "type": "hotel",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "hilton-honors",
          "name": "Hilton Honors",
          "loyalty_currency": "Hilton Honors points",
          "type": "hotel",
          "from": 1000,
          "to": 2000
        },
        {
          "id": "leaders-club",
          "name": "Leading Hotels of the World Leaders Club",
          "loyalty_currency": "Leaders Club points",
          "type": "hotel",
          "from": 1000,
          "to": 250
        },
        {
          "id": "marriott-bonvoy",
          "name": "Marriott Bonvoy",
          "loyalty_currency": "Marriott Bonvoy points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "transfer_time": "48 hours"
        }
      ]
    },
    {
      "id": "chase-ur",
      "name": "Chase Ultimate Rewards",
      "short": "Chase UR",
      "issuer": "Chase",
      "currency": "Ultimate Rewards points",
      "market": "US",
      "source": {
        "url": "https://www.chase.com/sapphire-cards/personal/preferred",
        "type": "official",
        "checked_at": "2026-10-25",
        "note": "Partner list (14) and ratios from the public Sapphire Preferred benefits page: 'points transfer to most travel partners at a rate of 1:1' and World of Hyatt at 4:3. Increment and transfer time from https://chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points. Per-partner 1:1 cross-checked against AwardWallet (https://awardwallet.com/blog/chase-ultimate-rewards-transfer-partners/). No Chase page states a minimum transfer."
      },
      "partners": [
        {
          "id": "aer-lingus-aerclub",
          "name": "Aer Lingus AerClub",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "aeroplan",
          "name": "Air Canada Aeroplan",
          "loyalty_currency": "Aeroplan points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "flying-blue",
          "name": "Air France-KLM Flying Blue",
          "loyalty_currency": "Flying Blue miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "british-airways-club",
          "name": "British Airways Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "iberia-club",
          "name": "Iberia Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "jetblue-trueblue",
          "name": "JetBlue TrueBlue",
          "loyalty_currency": "TrueBlue points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "krisflyer",
          "name": "Singapore Airlines KrisFlyer",
          "loyalty_currency": "KrisFlyer miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "southwest-rapid-rewards",
          "name": "Southwest Rapid Rewards",
          "loyalty_currency": "Rapid Rewards points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "united-mileageplus",
          "name": "United MileagePlus",
          "loyalty_currency": "MileagePlus miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "virgin-atlantic-flying-club",
          "name": "Virgin Atlantic Flying Club",
          "loyalty_currency": "Virgin Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "ihg-one-rewards",
          "name": "IHG One Rewards",
          "loyalty_currency": "IHG One Rewards points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "marriott-bonvoy",
          "name": "Marriott Bonvoy",
          "loyalty_currency": "Marriott Bonvoy points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days"
        },
        {
          "id": "world-of-hyatt",
          "name": "World of Hyatt",
          "loyalty_currency": "World of Hyatt points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "Sapphire Preferred, Ink Business Preferred, Ink Plus, Corporate Flex (from Oct 1, 2026; Sapphire Preferred accounts opened on or after Jun 15, 2026 immediately)",
              "from": 1000,
              "to": 750
            }
          ],
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days",
          "notes": "1:1 is the Sapphire Reserve / Sapphire Reserve for Business ratio. No public Chase page states it; it rests on TPG (Chase statement: 'no planned changes to transfers from the Sapphire Reserve'), AwardWallet and Frequent Miler. Chase's Jun 15, 2026 release says 4:3 applies 'on select cards'."
        },
        {
          "id": "wyndham-rewards",
          "name": "Wyndham Rewards",
          "loyalty_currency": "Wyndham Rewards points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "increment": 1000,
          "transfer_time": "Most transfers post by the next business day; can take up to 7 business days",
          "notes": "Added Feb 25, 2026 (AwardWallet, Frequent Miler). Listed on Chase's Sapphire Preferred and education pages, but not on the Ink Business Preferred page, so Ink eligibility is unconfirmed."
        }
      ]
    },
    {
      "id": "capital-one",
      "name": "Capital One Miles",
      "short": "Capital One",
      "issuer": "Capital One",
      "currency": "Capital One miles",
      "market": "US",
      "source": {
        "url": "https://capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships",
        "type": "official",
        "checked_at": "2026-10-25",
        "note": "Page dated Jan 29, 2026. Capital One's other partner page (https://www.capitalone.com/credit-cards/travel-partners) is stale: it shows Emirates at 1:1 and omits Japan Airlines, Qatar and I Prefer. Emirates at 2:1.5 since Jan 13, 2026 is confirmed by AwardWallet and TPG. Both Capital One pages state a 1,000-mile minimum. No Capital One page ties any ratio to a specific card. No increment or transfer time is stated."
      },
      "partners": [
        {
          "id": "aeromexico-rewards",
          "name": "Aeromexico Rewards",
          "loyalty_currency": "Aeromexico Rewards points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "aeroplan",
          "name": "Air Canada Aeroplan",
          "loyalty_currency": "Aeroplan points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "lifemiles",
          "name": "Avianca LifeMiles",
          "loyalty_currency": "LifeMiles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "british-airways-club",
          "name": "British Airways Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000,
          "notes": "British Airways' own page states 1 Avios per Capital One mile and, in its current bonus terms, a 1,000-mile minimum in 100-mile increments."
        },
        {
          "id": "asia-miles",
          "name": "Cathay Pacific",
          "loyalty_currency": "Asia Miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "emirates-skywards",
          "name": "Emirates Skywards",
          "loyalty_currency": "Skywards Miles",
          "type": "airline",
          "from": 1000,
          "to": 750,
          "min_transfer": 1000,
          "notes": "Was 1:1 until Jan 12, 2026; 2:1.5 from Jan 13, 2026 (AwardWallet, TPG)."
        },
        {
          "id": "etihad-guest",
          "name": "Etihad Guest",
          "loyalty_currency": "Etihad Guest miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "eva-infinity-mileagelands",
          "name": "EVA Air Infinity MileageLands",
          "loyalty_currency": "Infinity MileageLands miles",
          "type": "airline",
          "from": 1000,
          "to": 750,
          "min_transfer": 1000
        },
        {
          "id": "finnair-plus",
          "name": "Finnair Plus",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "flying-blue",
          "name": "Air France-KLM Flying Blue",
          "loyalty_currency": "Flying Blue miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "jal-mileage-bank",
          "name": "Japan Airlines Mileage Bank",
          "loyalty_currency": "JAL miles",
          "type": "airline",
          "from": 1000,
          "to": 750,
          "min_transfer": 1000
        },
        {
          "id": "jetblue-trueblue",
          "name": "JetBlue TrueBlue",
          "loyalty_currency": "TrueBlue points",
          "type": "airline",
          "from": 1000,
          "to": 600,
          "min_transfer": 1000
        },
        {
          "id": "qantas-frequent-flyer",
          "name": "Qantas Frequent Flyer",
          "loyalty_currency": "Qantas Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "qatar-privilege-club",
          "name": "Qatar Airways Privilege Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "krisflyer",
          "name": "Singapore Airlines KrisFlyer",
          "loyalty_currency": "KrisFlyer miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "tap-miles-and-go",
          "name": "TAP Miles&Go",
          "loyalty_currency": "Miles&Go miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "turkish-miles-and-smiles",
          "name": "Turkish Airlines Miles&Smiles",
          "loyalty_currency": "Miles&Smiles miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        },
        {
          "id": "virgin-red",
          "name": "Virgin Red",
          "loyalty_currency": "Virgin Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000,
          "notes": "Capital One transfers to Virgin Red, not Flying Club. Per AwardWallet, link Virgin Red and Flying Club accounts to use the points on Virgin Atlantic flights."
        },
        {
          "id": "accor-live-limitless",
          "name": "Accor Live Limitless",
          "loyalty_currency": "Accor Live Limitless points",
          "type": "hotel",
          "from": 1000,
          "to": 500,
          "min_transfer": 1000
        },
        {
          "id": "choice-privileges",
          "name": "Choice Privileges",
          "loyalty_currency": "Choice Privileges points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000,
          "notes": "Capital One: limited to U.S.-based Choice Privileges accounts."
        },
        {
          "id": "i-prefer-hotel-rewards",
          "name": "I Prefer Hotel Rewards",
          "loyalty_currency": "I Prefer points",
          "type": "hotel",
          "from": 1000,
          "to": 2000,
          "min_transfer": 1000
        },
        {
          "id": "wyndham-rewards",
          "name": "Wyndham Rewards",
          "loyalty_currency": "Wyndham Rewards points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "min_transfer": 1000
        }
      ]
    },
    {
      "id": "citi-ty",
      "name": "Citi ThankYou Rewards",
      "short": "Citi ThankYou",
      "issuer": "Citi",
      "currency": "ThankYou Points",
      "market": "US",
      "source": {
        "url": "https://upgradedpoints.com/credit-cards/citi-thankyou-points-transfer-partners/",
        "type": "secondary",
        "checked_at": "2026-10-25",
        "note": "Citi's full partner list is on thankyou.com (https://www.thankyou.com/partnerProgramsListing.htm), which blocks automated reading, so the list here comes from two independent secondary sources, Upgraded Points (updated Oct 19, 2026) and AwardWallet (https://awardwallet.com/credit-cards/citi-thankyou-rewards/citi-transfer-partners/). No-fee ratios are cross-checked against Frequent Miler (Jul 28, 2025) and Copa against Frequent Miler (Oct 25, 2026). Citi's own Strata Premier and Strata Elite pages name 7 partners (American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA Air, Choice Hotels, Leading Hotels of the World) and state a 1,000-point minimum. Main ratios are for Strata Elite, Strata Premier, Prestige and AT&T Access More."
      },
      "partners": [
        {
          "id": "flying-blue",
          "name": "Air France-KLM Flying Blue",
          "loyalty_currency": "Flying Blue miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "aadvantage",
          "name": "American Airlines AAdvantage",
          "loyalty_currency": "AAdvantage miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000,
          "notes": "No-fee 1:0.7 per TPG (Aug 25, 2025) and Upgraded Points; AwardWallet's Citi page still says only premium cards can transfer to AAdvantage."
        },
        {
          "id": "lifemiles",
          "name": "Avianca LifeMiles",
          "loyalty_currency": "LifeMiles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "asia-miles",
          "name": "Cathay Pacific",
          "loyalty_currency": "Asia Miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "copa-connectmiles",
          "name": "Copa ConnectMiles",
          "loyalty_currency": "ConnectMiles miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000,
          "notes": "Added Oct 25, 2026 (Upgraded Points, Frequent Miler)."
        },
        {
          "id": "emirates-skywards",
          "name": "Emirates Skywards",
          "loyalty_currency": "Skywards Miles",
          "type": "airline",
          "from": 1000,
          "to": 800,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 560
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "etihad-guest",
          "name": "Etihad Guest",
          "loyalty_currency": "Etihad Guest miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "eva-infinity-mileagelands",
          "name": "EVA Air Infinity MileageLands",
          "loyalty_currency": "Infinity MileageLands miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "jal-mileage-bank",
          "name": "Japan Airlines Mileage Bank",
          "loyalty_currency": "JAL miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000,
          "notes": "Added Sep 20, 2026 (AwardWallet, TPG)."
        },
        {
          "id": "jetblue-trueblue",
          "name": "JetBlue TrueBlue",
          "loyalty_currency": "TrueBlue points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "qantas-frequent-flyer",
          "name": "Qantas Frequent Flyer",
          "loyalty_currency": "Qantas Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "qatar-privilege-club",
          "name": "Qatar Airways Privilege Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "krisflyer",
          "name": "Singapore Airlines KrisFlyer",
          "loyalty_currency": "KrisFlyer miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "thai-royal-orchid-plus",
          "name": "Thai Airways Royal Orchid Plus",
          "loyalty_currency": "Royal Orchid Plus miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "turkish-miles-and-smiles",
          "name": "Turkish Airlines Miles&Smiles",
          "loyalty_currency": "Miles&Smiles miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "virgin-atlantic-flying-club",
          "name": "Virgin Atlantic Flying Club",
          "loyalty_currency": "Virgin Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "accor-live-limitless",
          "name": "Accor Live Limitless",
          "loyalty_currency": "Accor Live Limitless points",
          "type": "hotel",
          "from": 1000,
          "to": 500,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 350
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "choice-privileges",
          "name": "Choice Privileges",
          "loyalty_currency": "Choice Privileges points",
          "type": "hotel",
          "from": 1000,
          "to": 1500,
          "min_transfer": 1000,
          "notes": "Was 1:2; 1:1.5 from Apr 19, 2026. No-fee ratio omitted: only Upgraded Points states one (1:1.05)."
        },
        {
          "id": "leaders-club",
          "name": "Leading Hotels of the World Leaders Club",
          "loyalty_currency": "Leaders Club points",
          "type": "hotel",
          "from": 1000,
          "to": 200,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 140
            }
          ],
          "min_transfer": 1000
        },
        {
          "id": "i-prefer-hotel-rewards",
          "name": "I Prefer Hotel Rewards",
          "loyalty_currency": "I Prefer points",
          "type": "hotel",
          "from": 1000,
          "to": 2000,
          "min_transfer": 1000,
          "notes": "Was 1:4; 1:2 from Apr 19, 2026. No-fee ratio omitted: only Upgraded Points states one (1:1.4)."
        },
        {
          "id": "wyndham-rewards",
          "name": "Wyndham Rewards",
          "loyalty_currency": "Wyndham Rewards points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "card_variants": [
            {
              "label": "No-annual-fee ThankYou cards (Citi Strata, Double Cash, Custom Cash, ThankYou Preferred, ThankYou Mastercard)",
              "from": 1000,
              "to": 700
            }
          ],
          "min_transfer": 1000
        }
      ]
    },
    {
      "id": "bilt",
      "name": "Bilt Rewards",
      "short": "Bilt",
      "issuer": "Bilt",
      "currency": "Bilt Points",
      "market": "US",
      "source": {
        "url": "https://support.biltrewards.com/hc/en-us/articles/19086448638989-Bilt-s-Transfer-Partners",
        "type": "official",
        "checked_at": "2026-10-25",
        "note": "Bilt help-center article, updated Oct 20, 2026: 19 airlines, 7 hotels, 1 rail partner. It states 1,000-point increments, transfer times and minimums by status: the minimum shown here is the Blue-status minimum (2,000); Silver, Gold and Platinum members can transfer from 1,000. The Jan 1, 2027 Hyatt change is not on this page (see the World of Hyatt row)."
      },
      "partners": [
        {
          "id": "alaska-atmos-rewards",
          "name": "Atmos Rewards",
          "loyalty_currency": "Atmos Rewards points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "lifemiles",
          "name": "Avianca LifeMiles",
          "loyalty_currency": "LifeMiles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "united-mileageplus",
          "name": "United MileagePlus",
          "loyalty_currency": "MileagePlus miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "jetblue-trueblue",
          "name": "JetBlue TrueBlue",
          "loyalty_currency": "TrueBlue points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours",
          "notes": "Added Oct 20, 2026 (Bilt newsroom)."
        },
        {
          "id": "flying-blue",
          "name": "Air France-KLM Flying Blue",
          "loyalty_currency": "Flying Blue miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "virgin-red",
          "name": "Virgin Red",
          "loyalty_currency": "Virgin Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours",
          "notes": "Bilt lists Virgin Red and Virgin Atlantic Flying Club as separate partners."
        },
        {
          "id": "virgin-atlantic-flying-club",
          "name": "Virgin Atlantic Flying Club",
          "loyalty_currency": "Virgin Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "emirates-skywards",
          "name": "Emirates Skywards",
          "loyalty_currency": "Skywards Miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "british-airways-club",
          "name": "British Airways Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "asia-miles",
          "name": "Cathay Pacific",
          "loyalty_currency": "Asia Miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "turkish-miles-and-smiles",
          "name": "Turkish Airlines Miles&Smiles",
          "loyalty_currency": "Miles&Smiles miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "aer-lingus-aerclub",
          "name": "Aer Lingus AerClub",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "iberia-club",
          "name": "Iberia Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "aeroplan",
          "name": "Air Canada Aeroplan",
          "loyalty_currency": "Aeroplan points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "tap-miles-and-go",
          "name": "TAP Miles&Go",
          "loyalty_currency": "Miles&Go miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "southwest-rapid-rewards",
          "name": "Southwest Rapid Rewards",
          "loyalty_currency": "Rapid Rewards points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 72 hours"
        },
        {
          "id": "jal-mileage-bank",
          "name": "Japan Airlines Mileage Bank",
          "loyalty_currency": "JAL miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "qatar-privilege-club",
          "name": "Qatar Airways Privilege Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "etihad-guest",
          "name": "Etihad Guest",
          "loyalty_currency": "Etihad Guest miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "hilton-honors",
          "name": "Hilton Honors",
          "loyalty_currency": "Hilton Honors points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "marriott-bonvoy",
          "name": "Marriott Bonvoy",
          "loyalty_currency": "Marriott Bonvoy points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "world-of-hyatt",
          "name": "World of Hyatt",
          "loyalty_currency": "World of Hyatt points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours",
          "notes": "Announced Oct 1, 2026: 4:3 for all members from Jan 1, 2027 (One Mile at a Time, MilesTalk, Frequent Miler). Not yet on Bilt's partner page."
        },
        {
          "id": "ihg-one-rewards",
          "name": "IHG One Rewards",
          "loyalty_currency": "IHG One Rewards points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "accor-live-limitless",
          "name": "Accor Live Limitless",
          "loyalty_currency": "Accor Live Limitless points",
          "type": "hotel",
          "from": 3000,
          "to": 2000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours"
        },
        {
          "id": "wyndham-rewards",
          "name": "Wyndham Rewards",
          "loyalty_currency": "Wyndham Rewards points",
          "type": "hotel",
          "from": 1000,
          "to": 1000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours",
          "notes": "Added Mar 25, 2026 (Bilt newsroom)."
        },
        {
          "id": "i-prefer-hotel-rewards",
          "name": "I Prefer Hotel Rewards",
          "loyalty_currency": "I Prefer points",
          "type": "hotel",
          "from": 1000,
          "to": 2000,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours",
          "notes": "Added Jun 22, 2026 (Bilt newsroom)."
        },
        {
          "id": "amtrak-guest-rewards",
          "name": "Amtrak Guest Rewards",
          "loyalty_currency": "Amtrak Guest Rewards points",
          "type": "other",
          "from": 1000,
          "to": 500,
          "min_transfer": 2000,
          "increment": 1000,
          "transfer_time": "Usually immediate; allow up to 48 hours",
          "notes": "Added Sep 23, 2026 (Bilt newsroom)."
        }
      ]
    },
    {
      "id": "wells-fargo",
      "name": "Wells Fargo Rewards",
      "short": "Wells Fargo",
      "issuer": "Wells Fargo",
      "currency": "Wells Fargo Rewards points",
      "market": "US",
      "source": {
        "url": "https://awardwallet.com/credit-cards/wells-fargo-rewards/transfer-partners/",
        "type": "secondary",
        "checked_at": "2026-10-25",
        "note": "Wells Fargo publishes no public partner list; its press releases point to https://www.wellsfargo.com/rewards, where the list sits behind sign-in. Two independent secondary sources: AwardWallet (updated Apr 30, 2026) and TPG (https://thepointsguy.com/guide/wells-fargo-transfer-partners, modified Sep 1, 2026); point.me (Aug 11, 2026) agrees. Official Wells Fargo releases confirm JetBlue 1:1 (Nov 4, 2025), Wyndham 1:2 (Apr 15, 2026) and Cathay 1:1 (Apr 28, 2026). TPG and point.me say there is no minimum and transfers go in 1-point increments; no Wells Fargo source states this."
      },
      "partners": [
        {
          "id": "aer-lingus-aerclub",
          "name": "Aer Lingus AerClub",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "flying-blue",
          "name": "Air France-KLM Flying Blue",
          "loyalty_currency": "Flying Blue miles",
          "type": "airline",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "lifemiles",
          "name": "Avianca LifeMiles",
          "loyalty_currency": "LifeMiles",
          "type": "airline",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "british-airways-club",
          "name": "British Airways Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "notes": "British Airways' own page: 1 Avios per Wells Fargo Rewards point, no minimum transfer."
        },
        {
          "id": "asia-miles",
          "name": "Cathay Pacific",
          "loyalty_currency": "Asia Miles",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "notes": "Added Apr 28, 2026 (Wells Fargo release)."
        },
        {
          "id": "iberia-club",
          "name": "Iberia Club",
          "loyalty_currency": "Avios",
          "type": "airline",
          "from": 1000,
          "to": 1000
        },
        {
          "id": "jetblue-trueblue",
          "name": "JetBlue TrueBlue",
          "loyalty_currency": "TrueBlue points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "notes": "Added Nov 4, 2025 (Wells Fargo release)."
        },
        {
          "id": "virgin-atlantic-flying-club",
          "name": "Virgin Atlantic Flying Club",
          "loyalty_currency": "Virgin Points",
          "type": "airline",
          "from": 1000,
          "to": 1000,
          "notes": "Sources label this partner differently: TPG 'Virgin Atlantic Flying Club/Virgin Red', point.me 'Virgin Atlantic Flying Club', AwardWallet 'Virgin Red (incl. Virgin Atlantic)'. 1:1 per TPG and point.me; AwardWallet states no ratio."
        },
        {
          "id": "choice-privileges",
          "name": "Choice Privileges",
          "loyalty_currency": "Choice Privileges points",
          "type": "hotel",
          "from": 1000,
          "to": 2000
        },
        {
          "id": "wyndham-rewards",
          "name": "Wyndham Rewards",
          "loyalty_currency": "Wyndham Rewards points",
          "type": "hotel",
          "from": 1000,
          "to": 2000,
          "notes": "Added Apr 15, 2026 (Wells Fargo release)."
        }
      ]
    }
  ]
}