Augusta Stone Augusta Stone Credit cards writer Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards. also contributed to this story Aug. 01, 2026 • 13 min read Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information. TPG founder Brian Kelly is a Bilt adviser and investor. Citi is a TPG advertising partner. If you're looking to improve your travel game, there's one important strategy you can pursue: Focus on earning (and then redeeming) transferable credit card rewards .
Transferable rewards are, simply put, the most valuable type of currency to earn in the world of points and miles. This is entirely due to their versatility. American Express , Bilt , Capital One , Chase , Citi and Wells Fargo offer rewards credit cards that earn points or miles you can transfer to various airline and hotel partners.
This can be especially valuable when you hope to travel in a premium cabin or want to minimize the number of points or miles you redeem for an award. Instead of being limited to a single airline (and its partners) or one hotel program, you can leverage your rewards to book the best available option for the lowest possible price.
And if you're looking to optimize your redemptions this year, learning how to transfer your credit card rewards can be one of the most important steps.
Here's why you should focus on transferable rewards — and which cards to consider.
In short, transferable points or miles offer flexibility when it's time to use your rewards to book travel. For example, if you have a large stash of American Airlines AAdvantage miles , you can only redeem your miles on American and its partners.
However, you have many more options if you have a big balance of Chase Ultimate Rewards points .
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You could also transfer points to World of Hyatt for luxurious hotel stays, though the transfer ratios vary by Chase card.
You're in the driver's seat, as you can hold on to your hard-earned rewards until you find a specific trip you want to book.
Related: I was sitting on 150,000 credit card points — here's how I got past analysis paralysis to redeem a portion of them
From flights and hotel stays to gift cards, merchandise and more, there are seemingly infinite ways to use your points. It can be quite complex. While you shouldn't consider your loyalty program account balances as long-term investments , you should ensure that you spend your points just as you would hard-earned money: strategically…