Meghan Coyle

These are hotel or airline companies that partner with your credit card issuer, and you can send your points there for hopefully more value. You can find a list of the transfer partners of every major credit card rewards program on the NerdWallet website and the show notes, of course.

When you move your credit card points to a transfer partner, it's almost like a currency conversion, like how things cost different amounts here than they do in Europe.

When you move your credit card points to a transfer partner, it's almost like a currency conversion, like how things cost different amounts here than they do in Europe.

When you move your credit card points to a transfer partner, it's almost like a currency conversion, like how things cost different amounts here than they do in Europe.

Oh yeah, the croissant inflation is terrible. The cool thing is, though, that when you have a credit card with transferable points, there are no fees for converting your points.

Oh yeah, the croissant inflation is terrible. The cool thing is, though, that when you have a credit card with transferable points, there are no fees for converting your points.

Oh yeah, the croissant inflation is terrible. The cool thing is, though, that when you have a credit card with transferable points, there are no fees for converting your points.

Well, it kind of is with the Starbucks rewards program, but I digress. You love your Starbucks.

Well, it kind of is with the Starbucks rewards program, but I digress. You love your Starbucks.

Well, it kind of is with the Starbucks rewards program, but I digress. You love your Starbucks.

And a majority of them are one-to-one ratios for a lot of these big credit card rewards programs. So that's good. Keeps the math simple. And as a rule of thumb, you want to avoid transferring your points to a partner that has less than a one-to-one ratio.

And a majority of them are one-to-one ratios for a lot of these big credit card rewards programs. So that's good. Keeps the math simple. And as a rule of thumb, you want to avoid transferring your points to a partner that has less than a one-to-one ratio.

And a majority of them are one-to-one ratios for a lot of these big credit card rewards programs. So that's good. Keeps the math simple. And as a rule of thumb, you want to avoid transferring your points to a partner that has less than a one-to-one ratio.

For example, Capital One just added JetBlue Airways as a transfer partner, but the ratio is 5 to 3. This means if you transfer 5,000 Capital One miles to JetBlue, you'll only receive 3,000 JetBlue TrueBlue points. Yeah, personally, that's not ideal. In practice, that means you end up needing to transfer a lot more credit card points to be able to book your flight with JetBlue points.

For example, Capital One just added JetBlue Airways as a transfer partner, but the ratio is 5 to 3. This means if you transfer 5,000 Capital One miles to JetBlue, you'll only receive 3,000 JetBlue TrueBlue points. Yeah, personally, that's not ideal. In practice, that means you end up needing to transfer a lot more credit card points to be able to book your flight with JetBlue points.

For example, Capital One just added JetBlue Airways as a transfer partner, but the ratio is 5 to 3. This means if you transfer 5,000 Capital One miles to JetBlue, you'll only receive 3,000 JetBlue TrueBlue points. Yeah, personally, that's not ideal. In practice, that means you end up needing to transfer a lot more credit card points to be able to book your flight with JetBlue points.

In that case, you might actually save some miles if you just book through the Capital One travel portal.

In that case, you might actually save some miles if you just book through the Capital One travel portal.

In that case, you might actually save some miles if you just book through the Capital One travel portal.

And the second reason is maybe you need to top off your account. So we just talked about how that JetBlue transfer ratio isn't super advantageous to cardholders. But if you only need a few, let's say like 3,000 JetBlue points because you already have maybe 15,000 JetBlue points from flying and you're just trying to book something that's 18,000, you just need that 3,000 difference.