AwardLocker AwardLocker Search awards →

Flexible (Transferable) Points

Bank-issued points that can be transferred to multiple airline and hotel programs.

Full definition

Flexible points (also called transferable points) are currency issued by banks that can move to partner loyalty programs at predefined ratios. The five major flexible-points programs are Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles, Citi ThankYou, and Bilt Rewards.

Flexibility is the key advantage: you only commit to a specific airline/hotel once you've found the redemption. This beats earning airline-specific miles (like United miles) that are locked in if your plans change.

Related terms

Transfer Partner
An airline or hotel loyalty program that accepts points transferred from a bank's flexible...Transfer Bonus
A promotional extra percentage when transferring bank points to a specific airline partner...

Put it to use

AwardLocker shows live award availability across major airlines. Verify any redemption before transferring points.

Search awards →