5 bank programs transfer to United MileagePlus. In the US: Bilt 1:1, Chase 1:1. Also from 3 currencies in India, Asia-Pacific. Amex, Capital One and Citi do not transfer to United MileagePlus. Checked November 2, 2026.
United States
Ratio is bank points to United MileagePlus miles. Transfers are one-way: find the award first.
Asia-Pacific
Local currency points: a point is worth a different amount than in the US or Europe, so compare within this region.
| Bank | Ratio | 10,000 points become | Transfer time | Bonus |
|---|---|---|---|---|
 HSBC SingaporeOfficial HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). | 3.5:1 | 2,857 | instant |
India
Local currency points: a point is worth a different amount than in the US or Europe, so compare within this region.
| Bank | Ratio | 10,000 points become | Transfer time | Bonus |
|---|---|---|---|---|
 Axis BankGroup A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates b | 1:2 | 20,000 | Varies | |
 HDFCInfinia/DCB 2:1 in both sources. Regalia Gold conflict: CardAdvisor says 2:1, PointsMath says 3:1 (100:33). alt_ratios uses PointsMath's 3:1, the more conservative figure. | 2:1 | 5,000 | Varies |
Does not transfer to United MileagePlus
Amex Not a United MileagePlus partner as of November 2, 2026.
Capital One Not a United MileagePlus partner as of November 2, 2026.
Citi Not a United MileagePlus partner as of November 2, 2026.
From hotel points
Hotel programs that convert to United MileagePlus. Usually poor value, useful to top up an account.
| Hotel program | Ratio | 60,000 points become | Transfer time |
|---|---|---|---|
| Marriott Bonvoy+10,000 bonus miles per 60,000 points (60k -> 30k, effective 2:1). Changed March 2023 from 3:1.1 with a 10%-boosted 5k bonus. | 3:1 | 30,000 | 2-5 days (AwardWallet); Frequent Miler says instant |
| Accor Live Limitless | 2:1 | 30,000 | Varies |
| World of HyattBonus conflict: Upgraded Points applies the 50k bonus to every partner, but AwardWallet (2026-11-01) marks this partner 'No'. | 5:2 | 24,000 | 6-8 weeks |
| IHG One Rewards | 5:1 | 12,000 | 14-21 days |
| Wyndham RewardsOctober 2026 promo doubled this (6,000 = 2,400), reportedly through 2026-10-31. | 5:1 | 12,000 | Up to 6-8 weeks |
| Choice PrivilegesOn AwardWallet and Choice's page (via search snippet); missing from Upgraded Points. | 5:1 | 12,000 | 2-6 weeks |
| Hilton Honors | 10:1 | 6,000 | Varies |
Before you transfer
- Find the award seat or room first, then transfer only what you need. Transfers can't be undone.
- What United MileagePlus miles buy: award chart and sweet spots.
- Compare against paying cash: run the numbers. Bonuses: transfer bonuses today. Every bank side by side: Points Ratio Index.
Questions
Which credit card points transfer to United MileagePlus?
As of November 2, 2026: Axis Bank (1:2), Bilt (1:1), Chase (1:1), HDFC (2:1), HSBC Singapore (3.5:1).
Does Amex transfer to United MileagePlus?
No. Amex is not a United MileagePlus transfer partner as of November 2, 2026. To get United MileagePlus miles from a card, use Bilt or Chase.
Does Chase transfer to United MileagePlus?
Yes. Chase points transfer to United MileagePlus at 1:1, so 10,000 points become 10,000 miles; transfers are usually instant.
Does Capital One transfer to United MileagePlus?
No. Capital One is not a United MileagePlus transfer partner as of November 2, 2026. To get United MileagePlus miles from a card, use Bilt or Chase.
Does Citi transfer to United MileagePlus?
No. Citi is not a United MileagePlus transfer partner as of November 2, 2026. To get United MileagePlus miles from a card, use Bilt or Chase.
Does Bilt transfer to United MileagePlus?
Yes. Bilt points transfer to United MileagePlus at 1:1, so 10,000 points become 10,000 miles; transfers are usually instant.
Which card gets the most United MileagePlus miles per point?
Bilt and Chase at 1:1. A better ratio doesn't mean a better card: compare what you earn per dollar or euro too.
Can I transfer hotel points to United MileagePlus?
Yes: Marriott Bonvoy 3:1 (60,000 points become 30,000), Accor Live Limitless 2:1 (60,000 points become 30,000), World of Hyatt 5:2 (60,000 points become 24,000), IHG One Rewards 5:1 (60,000 points become 12,000), Wyndham Rewards 5:1 (60,000 points become 12,000), Choice Privileges 5:1 (60,000 points become 12,000), Hilton Honors 10:1 (60,000 points become 6,000). Hotel conversions are usually poor value, but they can top up an account for one award.
United MileagePlus miles or cash?
Tell Mila the trip and the points you hold. She checks every path into United MileagePlus, the award and the cash fare, then tells you which way to pay.
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