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American Express Directory
American Express Transfer Partners & Ratios
Complete master list of airline and hotel loyalty programs you can transfer American Express Membership Rewards to, with verified conversion ratios, speeds, and active promotional bonuses.
| Transfer Partner | Conversion Ratio | Processing Speed | Active Bonus | Pair Calculator |
|---|---|---|---|---|
|
AL
|
1:1 | Instant | +30% Bonus | Calculate ➔ |
|
AE
|
1:1.6 | 2-12 days | — | Calculate ➔ |
|
AC
|
1:1 | Instant | — | Calculate ➔ |
|
AF
|
1:1 | Instant | — | Calculate ➔ |
| 1:1 | 1-3 days | — | Calculate ➔ | |
|
AV
|
1:1 | Instant | — | Calculate ➔ |
| 1:1 | Instant | +30% Bonus | Calculate ➔ | |
| 1.25:1 | Instant | +10% Bonus | Calculate ➔ | |
|
DE
|
1:1 | Instant | — | Calculate ➔ |
|
EM
|
1.25:1 | Instant | — | Calculate ➔ |
| 1:1 | Instant | — | Calculate ➔ | |
|
IB
|
1:1 | 1-3 days | +30% Bonus | Calculate ➔ |
|
JE
|
1.25:1 | Instant | — | Calculate ➔ |
|
QA
|
1:1 | Instant | — | Calculate ➔ |
| 1:1 | Instant | — | Calculate ➔ | |
| 1:1 | Instant | — | Calculate ➔ | |
| 1:1 | Instant | — | Calculate ➔ | |
| 1:1 | Instant | — | Calculate ➔ | |
|
HI
|
1:2 | Instant | — | Calculate ➔ |
|
MA
|
1:1 | Instant | — | Calculate ➔ |
| 1:1 | Instant | — | Calculate ➔ |
American Express Policy & Rule Summary
- Expiration: Membership Rewards points have no expiration date (they remain valid indefinitely)
- Cancellation Policy: 24-hour full refund; after 24 hours follow provider policies. Optional Trip Cancel Guard: 75% refund if cancelled 2+ days before departure
- Change Policy: Follow airline/hotel policies; standard change fees apply