As of Oct 12, 2026, Chase, Citi, and Bilt each print a transfer-time window on their help pages, and Bilt adds a separate window for Southwest. American Express's transfer FAQ tells you to check the partner account to confirm the points arrived, and Capital One's transfer guide covers the name-match rule and per-partner conversion ratios. This guide quotes each bank's wording, bank by bank.
At a Glance
- Chase Ultimate Rewards: Per Chase, most point transfers process by the next business day but may take up to 7 business days.
- Citi ThankYou: Per Citi, points may appear within 24 hours for some travel partners and take up to 14 days for others.
- Bilt: Per Bilt, transfers are immediate in most cases, with up to 48 hours allowed; for Southwest, Bilt says to allow up to 72 hours.
- American Express and Capital One: Amex says to check your frequent flyer or hotel loyalty program account to confirm the points have transferred. Capital One lists Air Canada Aeroplan among its partners and says the name on your Capital One account has to match the name on the loyalty program. Timing varies by partner, so check the transfer screen.
- Finality: Chase, American Express, Capital One, Bilt, and Citi each state that transfers cannot be reversed.
Transfer times, partner lists and transfer rules can change, so check the bank's own page before you transfer.
Real-World Examples
- Moving Bilt points to Southwest Airlines: Bilt's page says to allow up to 72 hours, rather than the 48 hours it gives for most partners.
- Moving Capital One miles to Air Canada Aeroplan: Aeroplan is on Capital One's partner list, in the group that Capital One says mostly converts at 1:1. Capital One says the name on your Capital One account has to match the name on the loyalty program.
- Moving Citi ThankYou points to American Airlines: American Airlines is on Citi's partner list. Citi says points may appear within 24 hours for some travel partners and can take up to 14 days for others, so plan for the longer window.
- An Amex transfer that has not shown up: American Express says to check the frequent flyer or hotel loyalty program account to confirm the points have transferred.
- Second thoughts after a Chase transfer to United MileagePlus: Chase states that point transfers to travel partners are final.
Official Transfer Times by Bank
Each bank's timing statement, in its own words, as of Oct 12, 2026. Bilt also prints a separate window for Southwest.
| Bank | What the bank's page says | Longest stated wait |
|---|---|---|
| Chase Ultimate Rewards | "Most point transfers process by the next business day, but may take up to 7 business days." (all listed partners) | 7 business days |
| American Express Membership Rewards | "Check your frequent flyer or hotel loyalty program account to confirm the points have transferred." | Varies by partner; check the transfer screen |
| Capital One miles | "The name on your Capital One account also has to match the name on your travel loyalty program." | Varies by partner; check the transfer screen |
| Citi ThankYou | "For some travel partners, points may appear in your loyalty program account within 24 hours. For others, it may take up to fourteen (14) days for the ThankYou Points to post to your participating airline loyalty program member accounts." | 14 days |
| Bilt (most partners) | "In most cases, transfers will be immediate, but please allow up to 48 hours for the transfer to be completed." | 48 hours |
| Bilt to Southwest Airlines | "For Southwest transfer, please allow up to 72 hours for the transfer to be completed." | 72 hours |
Chase Ultimate Rewards Transfer Time
- As of Oct 12, 2026, Chase states: "Most point transfers process by the next business day, but may take up to 7 business days."
- Chase's partner list, as of Oct 12, 2026: airlines Aer Lingus AerClub, The British Airways Club, Air France KLM Flying Blue, Iberia Club, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, and Air Canada Aeroplan; hotels IHG One Rewards, Marriott Bonvoy, World of Hyatt, and Wyndham Rewards.
For more on the program's partners, see our Chase Ultimate Rewards transfer partners guide. For one airline partner's mile values, see our United MileagePlus value guide.
Amex Membership Rewards Transfer Time
- As of Oct 12, 2026, the American Express transfer FAQ says you must link your Rewards Account to the partner's frequent flyer or hotel loyalty program account before transferring, and that the name on your Card and on that account must be the same. Timing varies by partner, so check the transfer screen.
- If a transfer has not posted, American Express says to check the frequent flyer or hotel loyalty program account to confirm the points have transferred.
For partner context, see our guide to Amex Membership Rewards partners for Europe awards. For airline mile values, see our Delta SkyMiles value guide.
Capital One Miles Transfer Time Including Aeroplan
- As of Oct 12, 2026, Capital One says you need at least 1,000 miles to transfer, that the name on your Capital One account has to match the name on your travel loyalty program, and that transfer rates vary by partner, with Air Canada Aeroplan in the group that mostly converts at 1:1.
- Capital One's partner list, as of Oct 12, 2026 (on a page dated January 29, 2026): airlines Aeromexico Rewards, Air Canada Aeroplan, Avianca Lifemiles, British Airways Club, Cathay Pacific Asia Miles, Etihad Guest, Finnair Plus, Flying Blue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, TAP Miles&Go, Turkish Airlines Miles&Smiles, Virgin Red, Emirates Skywards, EVA Air, Japan Airlines Mileage Bank, and JetBlue; hotels Choice Privileges, Wyndham Rewards, I Prefer Hotel Rewards, and Accor Live Limitless.
For the ratios that apply to each partner, see our Capital One miles transfer partners guide.
Citi ThankYou Transfer Time
- As of Oct 12, 2026, Citi states: "For some travel partners, points may appear in your loyalty program account within 24 hours. For others, it may take up to fourteen (14) days for the ThankYou Points to post to your participating airline loyalty program member accounts."
- Citi's partner list, as of Oct 12, 2026: airlines Aeromexico Rewards, American Airlines, Avianca Lifemiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue, JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, and Virgin Red; hotels ALL Accor Live Limitless, Choice Privileges, Leaders Club, Preferred Hotels and Resorts, and Wyndham Rewards.
Bilt Transfer Times Including the Southwest Exception
- As of Oct 12, 2026, Bilt states, for most partners: "In most cases, transfers will be immediate, but please allow up to 48 hours for the transfer to be completed."
- For Southwest Airlines, Bilt states: "For Southwest transfer, please allow up to 72 hours for the transfer to be completed."
- Bilt's partner list, as of Oct 12, 2026: airlines Atmos Rewards (Alaska Airlines and Hawaiian Airlines), Avianca Lifemiles, United MileagePlus, Air France/KLM Flying Blue, Virgin Red, Virgin Atlantic Flying Club, Emirates Skywards, British Airways Executive Club, Cathay Pacific, Turkish Airlines Miles&Smiles, Aer Lingus AerClub, Iberia Plus, Air Canada Aeroplan, TAP Miles&Go, Southwest Airlines, Japan Airlines, Qatar Airways Privilege Club Avios, and Etihad Airways; hotels Hilton Honors, Marriott Bonvoy, World of Hyatt, IHG One Rewards, Accor Live Limitless, Wyndham Rewards, and I Prefer Hotel Rewards; rail Amtrak Guest Rewards.
For what Southwest points are worth, see our Southwest Rapid Rewards value guide. Hilton Honors is on Bilt's hotel list; for the Hilton cards, see our Hilton Aspire vs Surpass comparison.
Every Bank Says Transfers Are Final
- Chase, as of Oct 12, 2026: “point transfers to travel partners are final.”
- American Express: “All points transfers are final and cannot be reversed.”
- Capital One: “there’s no way to transfer miles back into your Capital One rewards account once the transfer is finalized.”
- Bilt: “Once points are transferred, they cannot be reversed.”
- Citi: Per Citi's ThankYou help page, "Points Transfer requests cannot be cancelled or reversed. Once your ThankYou Points are transferred, the resulting rewards currency of the participating loyalty program cannot be converted or transferred back to ThankYou Points."
What Each Bank Says to Check Before You Transfer
- Chase, as of Oct 12, 2026: make sure the award is available and that the name on the Chase account matches the name on the partner account.
- American Express: check availability and how many points are needed before completing the transfer; the name on the Card and the loyalty program account must be the same.
- Capital One: the name on the Capital One account has to match the name on the travel loyalty program.
- Bilt: “We recommend confirming the flight or hotel availability with the loyalty partner prior to transferring points and considering placing a hold on the reservation as well.”
- Transfer bonuses: Bilt's transfer-partner page, updated September 23, 2026, says that at times it may offer promotions of varying transfer rates, so check the transfer screen for current rates before you move points.
For one hotel partner's point values, see our Marriott Bonvoy value guide.
If a Transfer Has Not Posted Yet
- As of Oct 12, 2026, American Express says to check the frequent flyer or hotel loyalty program account to confirm the points have transferred.
- For Chase, Citi, and Bilt, compare the wait against the windows in the table above before contacting the bank.
TL;DR – Verdict
As of Oct 12, 2026, Chase, Citi, and Bilt print transfer-time windows on their help pages, Amex and Capital One timing varies by partner and shows on the transfer screen, and every bank says transfers are final, so confirm the award and the name match before moving points.
- Bilt says to allow up to 72 hours for Southwest, longer than its 48-hour window for most partners.
- Citi says some partners post within 24 hours and others can take up to 14 days.
FAQ
How long does a Chase Ultimate Rewards transfer take?
Chase states that most point transfers process by the next business day but may take up to 7 business days, as of Oct 12, 2026.
How long do Amex points take to transfer?
Timing varies by partner, so check the transfer screen. As of Oct 12, 2026, Amex's transfer FAQ says to check the frequent flyer or hotel loyalty program account to confirm they have transferred.
How long does a Capital One to Aeroplan transfer take?
Timing varies by partner, so check the transfer screen. As of Oct 12, 2026, Air Canada Aeroplan is on Capital One's partner list, and Capital One says the name on your Capital One account has to match the name on your Aeroplan account.
How long do Bilt transfers take?
Bilt says transfers are immediate in most cases but to allow up to 48 hours, and up to 72 hours for Southwest, as of Oct 12, 2026.
Can a points transfer be reversed?
No. Chase, American Express, Capital One, Bilt, and Citi each state that transfers are final; their exact wording is quoted in the section above.