Occasionally, credit card issuers and their travel partners offer transfer bonuses, allowing you to get even more value from your points. For example, if your points transfer to an airline at a 1:1 ratio, and that airline is offering a 25% transfer bonus, transferring 100,000 miles to that airline would net you 125,000 airline miles. That means you can transfer fewer miles to book the same award flight.
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Current credit card transfer bonuses
A summary of current transfer bonuses offered by the major transferrable point programs includes:
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Virgin Atlantic Flying Club |
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Air France/KLM Flying Blue |
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When should you transfer points?
You should generally only transfer rewards to airline and hotel partners if you have a specific redemption in mind. Once the rewards are transferred, it can’t be undone. Those rewards are subject to the restrictions of the individual loyalty program, which may include expiration dates or loyalty program devaluations. If you decide to take advantage of a transfer bonus without immediate travel plans, be sure to understand those restrictions before you transfer.
Using an award search tool like PointsYeah can help you find redemption options for the transferrable points you’re trying to redeem. You can even filter results to only include transferable points with a current transfer bonus.
AmEx transfer bonus history
Full list of AmEx transfer partners
AmEx has more airline and hotel partners than Chase, Citi and Capital One. In addition, AmEx has typically offered more transfer bonuses than these other programs.
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Bonus end date and bonus percentage |
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Air France-KLM Flying Blue |
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British Airways Executive Club |
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Cathay Pacific Asia Miles |
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Hawaiian Airlines HawaiianMiles |
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Qatar Airways Privilege Club |
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Virgin Atlantic Flying Club |
Cards that earn American Express Membership Rewards points
You’ll need a card that earns AmEx Membership Rewards to take advantage of an AmEx transfer bonus. Here are a few of our favorites.
The Platinum Card® from American Express
on American Express’ website
Rates & Fees
American Express® Gold Card
on American Express’ website
Rates & Fees
The Business Platinum Card® from American Express
on American Express’ website
Rates & Fees
The Blue Business® Plus Credit Card from American Express
on American Express’ website
Rates & Fees
Earn rate on travel
• 5 points per $1 on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.
• 5 points per $1 on prepaid hotels booked with American Express Travel.
• 1 point per $1 on other eligible purchases.
• 4 points per $1 at restaurants worldwide (on up to $50,000 in purchases per year).
• 4 points per $1 at U.S. supermarkets (on up to $25,000 in purchases per year).
• 3 points per $1 on flights booked directly with airlines or with American Express Travel.
• 2 points per $1 on prepaid hotels and other eligible purchases made through American Express Travel.
• 1 point per $1 on other eligible purchases.
• 5 points per $1 on flights and prepaid hotels booked American Express Travel.
• 1.5 points per $1 in key business categories and eligible purchases of $5,000 or more (on up to $2,000,000 in purchases per year).
• 1 point per $1 on other eligible purchases.
• 2 points per $1 on the first $50,000 in purchases each calendar year.
• 1 point per $1 on purchases above $50,000 in a calendar year.
Welcome offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
Chase transfer bonus history
Full list of Chase transfer partners
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Bonus end date and bonus percentage |
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Air France-KLM Flying Blue |
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British Airways Executive Club |
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Credit cards that earn Chase Ultimate Rewards® points
You’ll need a card that earns Chase Ultimate Rewards® points to take advantage of a Chase transfer bonus. Here are a few of our favorites.
Here’s a selection of popular Chase cards that earn Ultimate Rewards® points.
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Chase Freedom Unlimited®
Chase Freedom Flex®
Rewards
• 5 points per $1 on travel booked through Chase.
• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).
• 2 points per $1 on other travel.
• 1 point per $1 on other purchases.
Point value in the travel portal: 1.25 cents apiece.
• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.
• 5 points per $1 on air travel purchased through Chase.
• 3 points per $1 on other travel and dining not booked with Chase.
• 1 point per $1 on other purchases.
Point value in the travel portal: 1.5 cents apiece.
• In the first year, 6.5% cash back on travel purchased through Chase, 4.5% cash back on drugstores and restaurants, and 3% on all other purchases on up to $20,000 in spending.
• After that, 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Point value in the travel portal: 1 cent apiece.
• 5% cash back on up to $1,500 in combined purchases in quarterly categories. Activation required.
Point value in Chase travel portal: 1 cent apiece.
New cardholder bonus offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Citi ThankYou transfer bonus history
Citi ThankYou is partnered with 14 airlines, four hotels and Shop Your Way.
Full list of Citi transfer partners
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Bonus end date and bonus percentage |
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Air France-KLM Flying Blue |
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Cathay Pacific Asia Miles |
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Qatar Airways Privilege Club |
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Turkish Airlines Miles & Smiles |
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Virgin Atlantic Flying Club |
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Credit cards that earn Citi ThankYou points
If you want to take advantage of Citi’s transfer partners, you’ll need to get a credit card from Citi that earns ThankYou points. Unfortunately, not all ThankYou point earning cards give you access to all the transfer partners.
However, if you have the Citi Strata Premier℠ Card ($95 annual fee) or the Citi Prestige® Card ($495 annual fee), you can access all the transfer partners. In addition, holders of these two cards can transfer points to Choice and Wyndham at more favorable transfer ratios.
Capital One transfer bonus history
Capital One has 14 airlines and three hotel transfer partners.
Full list of Capital One transfer partners
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Capital One transfer partner |
Bonus end date and bonus percentage |
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Air France-KLM Flying Blue |
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British Airways Executive Club |
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Cathay Pacific Asia Miles |
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TAP Air Portugal Miles & Go |
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Credit cards that earn Capital One miles
To earn miles with Capital One, you have a choice of four personal credit cards and two business cards.
Here’s a selection of popular credit cards that earn Capital One miles.
Capital One Venture X Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One VentureOne Rewards Credit Card – Miles Boost
Capital One Spark Miles for Business
Annual fee
$0 intro for the first year, then $95.
Earn rate
• 10 miles per $1 on hotels and rental cars through Capital One Travel.
• 5 miles per $1 on flights through Capital One Travel.
• 2 miles per $1 on everything else.
• 5 miles per $1 on hotels and rental cars booked through Capital One Travel.
• 2 miles per $1 on all other purchases.
• 5 miles per $1 on hotels and car rentals booked through Capital One Travel.
• 1.25 miles per $1 on all purchases.
• 5 miles per $1 on hotels and rental cars through Capital One Travel.
• 2 miles per $1 on everything else.
Welcome offer
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Earn a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Bilt Rewards transfer bonus history
Bilt Rewards is one of the newer rewards programs with transfer partners and can be a valuable program for those who want to pay rent using a credit card. Bilt Rewards points can be transferred to 14 airlines and three hotels.
Complete list of Bilt transfer partners
The best transfer value for Bilt Rewards come during Bilt’s Rent Day promotions, which offer high transfer bonuses for just one day. For example, Bilt offered a 100% transfer bonus to Air-France KLM Flying Blue in 2023. Check the Bilt app on the first of every month for any transfer bonuses.
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Bilt Rewards transfer partner |
Bonus end date and bonus percentage |
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Air France-KLM Flying Blue |
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Cathay Pacific Asia Miles |
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Virgin Atlantic Flying Club |
Credit cards that earn Bilt Rewards
Although you don’t need to have a credit card with Bilt to earn Bilt points, you can maximize the points you earn by holding the Bilt World Elite Mastercard® Credit Card. There is no annual fee, and it is the easiest way to earn points for paying your rent.
