Loyalty systems / a field guide

The rewards network.

Where card currencies go, where everyday purchases earn, and which partnerships actually connect.
Click a node to isolate its neighborhood. Click a line for direction, ratios, restrictions, and sources.

Static overview. Open this page in Safari or Chrome for the interactive graph, search, and connection details.

Overview of card, airline, hotel and everyday rewards relationships
Tap a node · drag anywhere to pan · pinch or + / − to zoom

Read the edges, not just the logos.

One ride, one loyalty earning partner.

Uber’s Delta and Marriott options are alternatives. Lyft’s United, Hilton, Atmos, and Bilt links are alternatives too. Eligible payment-card earning may stack separately; the airline partners do not all stack.

A booking partner is not a transfer partner.

You can sometimes book another airline using a program’s miles. That does not let you move miles between those airlines. Alliance and award-booking relationships are deliberately outside this map.

Marriott is a bridge, not a free shortcut.

Bonvoy points connect to many airline programs, usually at a 3:1 base ratio. That broad reach does not make routing bank points through Marriott a good deal. Compare the final currency and award price.

Methodology, limitations, and source directory

Curated U.S. consumer ecosystem, curated snapshot October 21, 2026; integration preserves that snapshot rather than claiming a new source review. Not a comprehensive global directory. Base transfer ratios exclude temporary promotions; card eligibility, minimums, fees, caps, enrollment and account-linking rules still apply. A direction arrow means the depicted direction only; two arrows mean the specific linked programs support both directions, not that conversion is lossless. Citi ratios are explicitly card-dependent. Wells Fargo’s consolidated list and Citi’s full list are cross-checked with named secondary sources, flagged below. Directories can change without notice. Logos are embedded from an existing flight app's assets; no endorsement implied. No account information or personal points balances are included. The map makes no external requests; the surrounding site uses its existing analytics.

Time-sensitive: the enhanced American–Hyatt relationship is winding down; the old broad earn/status relationship is not shown as an enduring points bridge. Bilt → Hyatt is 1:1 on this snapshot date, with a reported change to 4:3 on January 1, 2027—verify the current app terms before transferring.

REWARDS NETWORK / Original snapshot 2026-10-21 / Arrows are relationships, not investment advice. Confirm award space before moving points. Bank transfers are generally irreversible.