Do Bilt Points Expire? The 18-Month Rule Takes the Whole Balance
Bilt Points expire when the account goes 18 months without qualifying activity, and then the whole balance goes at once. What counts, and how status works.
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Transfer currencies
Transfer currencies
Bank-points currencies (Chase UR, Amex MR, Citi TY, Bilt), what they transfer into and when to pull the trigger.
Bank-points currencies—Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou Points, Capital One miles, Bilt, and the Asian-bank programmes—are the most flexible thing in a points portfolio. Each guide in this category covers the transfer-partner roster, transfer ratios, devaluation history, sweet-spot redemptions you can actually book, and when to keep points flexible versus when to pull the trigger. We refresh the partner lists every time a major change lands and flag it in our corrections log.
Chase Ultimate Rewards Transfer Partners (2026): The Full List, Ratios and the Hyatt Catch
Chase Ultimate Rewards has 14 transfer partners in 2026: 10 airlines, 4 hotels, every ratio and transfer time, and the World of Hyatt 4:3 split by card.
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Amex Membership Rewards Transfer Partners (2026)
A precise 2026 guide to Amex Membership Rewards transfer partners: which airlines and hotels are 1:1, which are not, ratios, bonuses and timing.
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Capital One Miles Transfer Partners (2026)
A practical 2026 guide to Capital One miles transfer partners: ratios, the full airline and hotel roster, the 1 cent value floor, and when transferring wins.
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How to Book Reward Flights With Credit Card Points Without Losing the Seat
A practical 2026 guide to using transferable credit card points for airline reward flights: search, transfer windows, and how not to lose the seat mid-transfer.
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