Transfer bonuses can offer lucrative opportunities to maximize your points and miles, and work your way toward fantastic award redemptions. You can sometimes get significantly more value from your rewards by transferring them to an airline or hotel partner during one of these bonus periods.
Remember, though, that these are limited-time offers, so you’ll need to act fast if you find one that suits your travel plans.
We’ve compiled transfer bonus updates for most major programs with transferable rewards to make tracking these offers easier. Just note that transfer bonuses are sometimes targeted, so some may not be available.
Active credit card transfer bonuses
We’re currently seeing transfer bonuses from:
Transfer fromTransfer toBonus details End dateTransfer ratioAmerican Express Membership RewardsMarriott Bonvoy30%Nov. 301,000 points = 1,300 pointsAmerican Express Membership RewardsAvianca LifeMiles15%Nov. 301,000 points = 1,150 milesCapital One milesBritish Airways Club20%Nov. 211,000 miles = 1,200 AviosChase Ultimate RewardsSouthwest Rapid Rewards25%Nov. 61,000 points = 1,250 pointsCiti ThankYou RewardsQantas Frequent Flyer20%Nov. 81,000 points = 1,200 points
American Express Membership Rewards transfer bonuses
American Express Membership Rewards is currently offering two transfer bonuses. Through Nov. 30, you can transfer your Amex points to the Avianca LifeMiles program with a 15% bonus — which means for every 1,000 points you transfer, you’ll receive 1,150 Avianca LifeMiles.
Amex is also offering a 30% Marriott Bonvoy transfer bonus, which means for every 1,000 points you transfer to the hotel program, you’ll get 1,300 Marriott points. Since TPG values Amex points at 2 cents each and Marriott points at 0.7 cents per point, according to our November 2025 valuations, it’s unlikely that you’d be maximizing your transferable reward points with this transfer bonus.
However, if you need to top off your Marriott account to book a free night or have a large number of Amex points, this could be a good transfer bonus option for you.
How to earn American Express Membership Rewards points
If you’re looking to earn more of these valuable points, the following American Express cards could prove useful additions to your wallet:
- American Express® Gold Card: Find out your offer and see if you are eligible for as high as 100,000 Membership Rewards points after spending $6,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
- American Express Platinum Card®: Find out your offer and see if you are eligible for as high as 175,000 Membership Rewards points after spending $8,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
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Related: How to redeem American Express Membership Rewards points for maximum value
Capital One transfer bonus
Capital One is offering a 20% transfer bonus to British Airways Club until Nov. 21. This 20% bonus means that 1,000 Capital One miles equate to 1,200 British Airways Club Avios.
Note that you can transfer Avios between accounts at a 1:1 ratio. Therefore, if you transfer Capital One miles to your British Airways Club account, you can then transfer some or all of your Avios to your Iberia Club account or even your Qatar Airways Privilege Club account, which also uses Avios.
Since you can fly economy from select U.S. cities to Adolfo Suarez Madrid-Barajas Airport (MAD) starting at 16,000 Avios (off-peak rate) when booking through Iberia Club, you could potentially book a round-trip European vacation to Spain by transferring just 27,000 Capital One miles. For round-trip business-class flights, rates start at 81,000 Avios or 68,000 Capital One miles if you take advantage of this transfer bonus.
As always, transfers are irreversible, so it’s imperative you find award availability before transferring your points.
How to earn Capital One miles
If you’re looking to earn more transferable miles, the following Capital One cards are solid options to consider:
TPG’s November 2025 valuations value Capital One miles at 1.85 cents each, and most transfers from Capital One will process instantly. For more details, read our guides to Capital One transfer partners and how to transfer Capital One miles.
Related: Should you transfer Capital One miles to partners or redeem directly for travel?
Chase Ultimate Rewards transfer bonus
Chase is currently offering a rare transfer bonus to Southwest Rapid Rewards. From now through Nov. 6, you can transfer Chase Ultimate Rewards points with a 25% bonus to Rapid Rewards. This means that for every 1,000 Chase Ultimate Rewards points you transfer, you’ll get 1,250 Rapid Rewards points in your account.
Transfer bonuses to Rapid Rewards are rare, so this could be a bonus worth considering.
Related: When to transfer Chase points instead of booking a hotel through Chase Travel
How to earn Chase Ultimate Rewards points
If you want to earn more Chase Ultimate Rewards points, the following Chase cards could make good additions to your wallet:
According to TPG’s November 2025 valuations, Chase Ultimate Rewards points are worth 2.05 cents each when maximized with travel partners. Most Ultimate Rewards points transfers will process instantly.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Chase Ultimate Rewards points: How to redeem for maximum value
Citi ThankYou Rewards transfer bonus
Citi ThankYou Rewards is currently offering a 20% transfer bonus to Qantas Frequent Flyer until Nov. 8.
ThankYou Rewards points normally transfer to Qantas at a 1:1 ratio (with select cards), which means you’ll receive 1,200 Qantas points for 1,000 ThankYou Rewards points during the bonus.
Qantas points are a fantastic way to book Emirates first-class awards.
It’s important to note that you’ll only unlock this bonus in its entirety if you hold the Citi Strata Elite℠ Card (see rates and fees), the Citi Strata Premier® Card (see rates and fees) or the Citi Prestige® Card (no longer available to new applicants). Other Citi cards do not unlock the full 1:1 transfer ratio, so the transfers aren’t as valuable.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How to earn Citi ThankYou Rewards points
To earn more ThankYou Rewards points, consider these Citi credit cards:
- Citi Strata Elite Card: For a limited time, earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
- Citi Strata Premier Card: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
TPG values Citi ThankYou Rewards points at 1.9 cents each, per our November 2025 valuations, and most transfers happen instantly.
Related: Citi ThankYou Rewards transfer partners: Redeem your points with airlines and hotels
Marriott Bonvoy transfer bonus
Though you can transfer Marriott Bonvoy points to various airlines, the program is not currently offering any transfer bonuses.
How to earn Marriott Bonvoy points
If you’re looking to earn Marriott Bonvoy points, the following Marriott cards may be of interest:
- Marriott Bonvoy Bold® Credit Card (see rates and fees): Earn 60,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
- Marriott Bonvoy Boundless® Credit Card (see rates and fees): Earn 125,000 bonus points and one free night award (valued up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
- Marriott Bonvoy Brilliant® American Express® Card: Earn 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership.
- Marriott Bonvoy Business® American Express® Card: Earn up to 125,000 bonus points: 75,000 bonus points after spending $6,000 on purchases in the first six months of card membership and an additional 50,000 bonus points after spending an additional $3,000 in the first six months of card membership.
According to TPG’s November 2025 valuations, Marriott Bonvoy points are worth 0.7 cents each. Some airlines take a few days (or even weeks) to receive the points.
Related: How to redeem Marriott Bonvoy points for maximum value
Should you transfer points and miles?
We only recommend transferring points or miles if you have a short-term plan to use them. Transfers are irreversible, and you don’t want to be stuck with thousands of points or miles in a program you have little use for.
If you don’t have a specific redemption in mind but still want to earn points or miles, you’re likely better off earning rewards through card welcome bonuses and everyday spending.
We always recommend verifying award availability before transferring your rewards.
Bottom line
When a program with a transferable currency offers a transfer bonus, it’s important to run the numbers to determine whether it is worthwhile.
Generally, you won’t want to transfer your points or miles without a specific redemption in mind. After all, a large part of the value of transferable points and miles comes from their flexibility, which you’ll give up when you convert them to a partner’s currency. However, a transfer bonus can help you get more value from your points and miles if you frequently use a partner program or plan to redeem them soon.
Related: The best time to book flights for the cheapest airfare
