Program guide · Comparison
Transfer partners, compared program by program.
Only two of the point currencies we track transfer to airline or hotel partners at all. Here’s every confirmed ratio, side by side with the programs that don’t transfer anywhere.
Amex Membership Rewards
| Partner | Type | Ratio | Verdict |
|---|---|---|---|
| Air Canada Aeroplan | airline | 1:1 | The default, and it sets MR's ceiling. Star Alliance partner awards, no fuel surcharges. |
| The British Airways Club (Avios) | airline | 1:1 | Short-haul partner awards on American or Alaska; the specialist door. |
| Air France KLM Flying Blue | airline | 1:1 | Upgraded from 1:0.75 to 1:1 on January 3, 2026, making it the best route to Europe for many balances. |
| Cathay Asia Miles | airline | 1:0.75 | Rarely worth the 25% haircut versus a 1:1 Aeroplan transfer for the same trip. |
| Delta SkyMiles | airline | 1:0.75 | Rarely worth the 25% haircut versus a 1:1 Aeroplan transfer for the same trip. |
| Marriott Bonvoy | hotel | 5:6 | Looks like a bonus but usually isn't: real-world stays return roughly 0.85–1.2¢ per original MR point, hovering around the statement-credit floor. |
| Hilton Honors | hotel | 1:1 | Below the floor. Skip. Hilton points are individually worth well under a cent. |
Transfers move in 100-point increments with a 1,000-point minimum. Frequently instant, but can take a few days. Transfers are one-way. Points cannot be moved back into Membership Rewards.
RBC Avion
| Partner | Type | Ratio | Verdict |
|---|---|---|---|
| WestJet | airline | 1:1 | Keeps earning flexible: a cent each, no award chart to navigate. |
| British Airways Avios | airline | 1:1 | A standing 1:1 route with periodic transfer bonuses; useful for short-haul oneworld partner awards. |
| Cathay Pacific Asia Miles | airline | 1:1 | A standing 1:1 route into oneworld awards, especially useful when Avios pricing is poor. |
| American Airlines AAdvantage | airline | 10:7 | The 10:7 standing ratio is a haircut, but direct access to AAdvantage can unlock useful partner awards. |
Transfers are one-way, so value the specific award you want before moving points out of Avion.
No transfer partners
These currencies redeem at a fixed rate or through their own award chart; there’s no partner door to evaluate.
BMO Rewards: No airline or hotel transfer partners. Points redeem against travel booked through the BMO Rewards portal at a fixed rate, or for cash, gift cards, and merchandise at generally lower rates.
TD Rewards: No airline or hotel transfer partners and no award chart. Points redeem at fixed rates, primarily through the Expedia for TD portal. TD's Aeroplan co-brand cards earn Aeroplan directly instead of transferring from TD Rewards.
Scene+: No airline or hotel transfer partners, which is exactly why its value is capped at 1 cent.
CIBC Aventura: No airline or hotel transfer partners. Aventura redeems through its own fixed Flight Rewards chart (a set point cost per fare band) or a flat travel-credit rate, not by transferring to a partner program.
See the full picture for a program in its own guide; start with Amex Membership Rewards or RBC Avion.