Member Resource · Updated as of July 5, 2026

Where Your Points Can Take You

Every airline and hotel program worth knowing, and exactly which of your points transfer into it. Tell us what you hold — we'll show you what opens up.

Start here

Which points do you have?

Airline alliance

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Citi ratios shown require a premium ThankYou card (Strata Premier or Strata Elite). Chase→Hyatt stays 1:1 only on Sapphire Reserve.

1

Earn flexible points

Your card earns into an ecosystem — Chase, Amex, or Bilt. Not locked to any airline.

2

Join loyalty programs

Airlines and hotels each run their own — free to join, and required before you can book.

3

Find the award first

Use the Award Search Tools to confirm a saver fare is actually available before moving a single point.

4

Transfer when ready

Move points from your card into the program. One-way and not reversible — only after step 3.

5

Book the award

Once points arrive, book directly on the airline or hotel site. Done.

Airline Programs

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Join free →

Not reachable with your points — search only

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Hotel Programs

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Best value in hotels

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Join free →

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Starting from scratch?

Join these three today — free, five minutes each

Aeroplan

The most flexible Star Alliance program. No fuel surcharges — books Lufthansa, Swiss, ANA, and United beautifully.

Flying Blue

The best SkyTeam program, especially for business class to Europe. Frequent transfer bonuses from Amex.

World of Hyatt

The highest-value hotel program in points. Park Hyatt, Andaz, Alila — 1:1 from Bilt (and Chase Sapphire Reserve; other Chase cards drop to 4:3).

Sign up now so you're never blocked at the moment of booking — accounts can't be created and transferred to simultaneously.

How it actually plays out

Meet Sarah

She spends $900 a month on groceries and $400 on dining, all on her Amex Gold at 4x. After a year, she holds about 62,400 Membership Rewards points and wants to fly to Paris.

She taps Amex MR above and sees Air France/KLM Flying Blue transfers 1:1. She joins Flying Blue (free, five minutes), uses the Award Search Tools to confirm a business class saver seat, then transfers 60,000 points from her Amex account and books it for 60,000 miles — a seat that retails around $3,500.

Find the program → join it → confirm the award → transfer → book. This guide is the first step.