Can I Gift My Credit Card Rewards to Someone?

Transfer Points or Miles With Eligible Credit Cards

Credit card rewards programs often don't let you transfer points or miles to someone else's account. There are a few exceptions, but even then, make sure to review the requirements to see if you can request a transfer.

Best rewards cards of 2026

Compare cards from our partners that earn points, cash back or miles on everyday spending.

Offers from our partners

Advertiser Disclosure

(170)Rated 4.52 out of 5 stars, 170 reviews

89%

would recommend

Blue Cash Preferred^® Card from American Express

Intro bonus:

As High As $300 Cash Back. Find Out Your Offer.

You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

Intro APR:0% on Purchases and Balance Transfers for 12 months

Ongoing APR:19.49%-28.49% Variable

Rewards:

1% - 6% (cash back)

Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

Annual Fee:$0 intro annual fee for the first year, then $95.

ApplyView detailsRates and fees

Terms Apply

(58)Rated 4.88 out of 5 stars, 58 reviews

98%

would recommend

Costco Anywhere Visa^® Card by Citi

Ongoing APR:18.74% - 26.74% (Variable)

Rewards:

1% - 5% (cash back)

Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.

Annual Fee:$0

ApplyView detailsRates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:35.99%*

Rewards:

1% (cash back)

Cash back will be awarded as points redeemable for a statement credit

Annual Fee:$75 first year; then $99/year

ApplyView detailsRates and fees

(888)Rated 3.89 out of 5 stars, 888 reviews

73%

would recommend

Credit One Bank^® Platinum Rewards Visa^® Card

Ongoing APR:29.74% Variable

Rewards:

1% (cash back)

Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply

Annual Fee:$39

ApplyView detailsRates and fees

Terms Apply

(23)Rated 4.74 out of 5 stars, 23 reviews

91%

would recommend

Hilton Honors American Express Surpass^® Card

Intro bonus:

130,000 Points

Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass^® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.

Ongoing APR:19.49%-28.49% Variable

Rewards:

3x - 12x (Points per dollar)

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Annual Fee:$150

ApplyView detailsRates and fees

Terms Apply

(65)Rated 4.58 out of 5 stars, 65 reviews

88%

would recommend

Delta SkyMiles^® Blue American Express Card

Intro bonus:

10,000 Miles

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Ongoing APR:19.49%-28.49% Variable

Rewards:

1x - 2x (Miles per dollar)

Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S. Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.

Annual Fee:$0

ApplyView detailsRates and fees

Terms Apply

(3)Rated 3.67 out of 5 stars, 3 reviews

Bank of America^® Premium Rewards^® credit card

Intro bonus:

60,000 Points

Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Ongoing APR:19.49% - 27.49% Variable

Rewards:

1.5x - 2x (Points per dollar)

2 points for every $1 spent on travel and dining purchases, 1.5 points for every $1 spent on all other purchases

Annual Fee:$95

ApplyView details

(42)Rated 4.62 out of 5 stars, 42 reviews

Bank of America^® Unlimited Cash Rewards credit card

Intro bonus:

$250

Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Intro APR:0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days

Ongoing APR:17.49% - 27.49% Variable

Rewards:

1.5% (cash back)

1.5% cash back on all purchases

Annual Fee:$0

ApplyView details

Show more Show less

See all our best rewards credit cards for 2026.

Here's a list of some of the major credit card rewards programs that do allow gifting, along with their transfer rules.

• Capital One Venture Rewards: You can transfer the miles you earn to and from eligible rewards cards.
• Chase Ultimate Rewards: You can transfer points to a household member's Chase Ultimate Rewards account, but you may need to call Chase to link your accounts first. You can also transfer Ultimate Rewards directly to a household member's eligible airline or hotel loyalty program account if they're an authorized user on your card.
• Citi ThankYou Rewards: With our partner Citi, you can transfer eligible ThankYou points to any other eligible ThankYou Member account. However, you can't transfer taxable points, such as points you received as a bonus for opening a Citibank account. Additionally, the shared points will expire 90 days after the transfer. Not all Citi cards allow cardholders to transfer points.
• Wells Fargo Rewards: You can transfer your rewards to another person by depositing the cash back rewards into their eligible Wells Fargo account, or using your rewards to pay down the balance on their qualifying Wells Fargo credit product.

Other major rewards programs, including American Express Membership Rewards and Bank of America Travel Rewards, do not allow rewards to be transferred to someone else.

Alternative Ways to Gift Someone Credit Card Rewards

If you can't transfer your credit card rewards directly to someone else, there are several ways to give someone a gift using your rewards.

Transfer Rewards to Loyalty Programs That Offer Pooling or Transfers

Some rewards programs, including Capital One Venture Rewards, Chase Ultimate Rewards and Citi ThankYou Rewards, only allow you to gift rewards to other customers. However, you may be able to transfer your rewards points or miles to your loyalty account at partner airlines and hotels that do let you pool your rewards or transfer them to others.

The transfer partners can vary depending on the card program, and rules around pooling or transferring will vary by loyalty program. For instance, JetBlue lets you pool points with up to six people for free. Anyone in the pool can then use the points to book travel. In contrast, American Airlines only lets you transfer miles to one person at a time, and you may have to pay a fee for each transfer.

Book Travel for Someone Else

You might be able to use your rewards to book a flight, hotel room or other type of travel for someone else. With some programs, you'll need to book the travel through the card issuer's online travel portal. Others let you pay for travel with your card and then redeem your rewards for a statement credit to cover the purchase.

Get and Gift Cash Back or Gift Cards

Another option could be redeeming your rewards for cash back. Often, you can get the cash back as a statement credit, by check or have it directly deposited into a bank account. You could then send the other person a cash gift, perhaps using a peer-to-peer payment app, bank transfer or simply a card with cash. You may also be able to redeem your rewards for a gift card that you can then give to the person.

Donate Credit Card Rewards to Charity

You may also be able to donate your credit card rewards to an eligible charitable organization, and could then share that you made the donation with the other person in mind.

However, if you want to claim a tax deduction for the donation, you might have to redeem your rewards for cash back and then make the donation directly. Otherwise, the IRS might consider it a donation from the credit card issuer.