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Here are all the banks offering a transfer bonus to partner programs

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All the banks offering a transfer bonus to partner programs

If you’re looking to book a future trip, the very best time to transfer points is when you can take advantage of a transfer bonus. We keep an ongoing list of bank transfer bonuses, so go ahead and bookmark this page as it will update as the transfer bonuses continue to change. Please drop comments if you see new offers that I’ve missed!

A few things to take into consideration before you transfer any points

  1. Transferring points from a bank to a partner is one way – you can’t undo the transfer
    • It’s a best practice to only transfer points when you have a booking you want to make
  2. Often transfer bonuses can be targeted, so if you see one down below, you may/may not be targeted
  3. Not all partners are created equal so make sure you’re getting good value
    • As an example
      • 70k Aeroplan miles is enough for a business class ticket from US to Europe
      • 70k Marriott points was enough for a single night at the Westin Hilton Head
  4. Always check the bank’s portal prior to transferring to make sure it isn’t cheaper there vs transferring

Current Transfer Bonuses:

American Express –

Capital one

  • Virgin Red
    • 30% transfer bonus until 3/30/23


  • 50% to Marriott
    • Good through 5/15/23


  • 30% bonus from Virgin Atlantic
    • 2/19/23 to 3/18/23
  • 20% bonus to Avianca LifeMiles ( targeted )
    • ends 3/31/23

Transfer partners of each program


American Express – link to best uses of Amex Points

  • 20% transfer bonus to Hawaiian ends 1/31/23

BILT Rewards

  • No transfer bonuses


  • No transfer bonuses
Brex Transfer Partners

Capital One – Best ways to Use Capital One Miles

Until 3/30/23 you can transfer with a 30% bonus to Virgin Red

Chase – Best Ways to Use Chase points


  • 50% transfer bonus until 5/15/23

Chase Ultimate Rewards transfer parnters


  • 20% transfer bonus to Avianca LifeMiles
  • 30% transfer bonus to Virgin Atlantic

Citi Thank You Transfer Partners


Expired Transfer bonuses 

American Express

  • 20% transfer bonus to Hawaiian expire 1/31/23
  • 30% Transfer bonus to Virgin Atlantic expired 12/29/22
  • 25% Transfer bonus to Air France expired 12/10/22
  • Transfer bonuses that expired 11/12/22
    • 15% to Cathay Pacific Asia Miles
  • Transfer bonuses that expired on 10/31/22
    • 25% transfer bonus
      • Choice Hotels ( 1000 points = 1250 Choice points )
    • 20% transfer bonus
      • Marriott Bonvoy ( 1000 points = 1200 Bonvoy Points )
  • Transfer bonuses that expired on 9/30/22
    • 30% transfer bonus
      • Hilton Honors ( 1000 points = 2600 Hilton Honors )
      • Virgin Atlantic ( 1000 points = 1300 Virgin Points )
    • 25% transfer bonus
      • Aer Lingus ( 1000 points = 1250 Avios )
      • Air France/KLM Flying Blue ( 1000 points = 1250 Flying Blue Miles )
      • British Airways Executive Club ( 1000 points = 1250 Avios )
    • 20% transfer bonus
      • AeroMexico ( 1000 points = 1920 Premier Points )
      • Qantas ( 500 points = 600 Qantas Points )
      • Hawaiian ( 1000 points = 1250 Hawaiian Miles )
    • 15% transfer bonus
      • Aeroplan ( 1000 = 1150 Aeroplan Points )
      • Avianca LifeMiles ( 1000 points = 1150 LifeMiles )
  • 20% Transfer bonus to Asia Miles ended 8/31/22

Capital one

  • 20% transfer bonus to Accor expired 12/1/22
  • 20% transfer bonus to British Airways expired 12/1/22
  • Transfer bonuses that expired 11/12/22
    • 15% to Cathay Pacific Asia Miles
  • 30% transfer bonus to Virgin Atlantic ended 10/31/22
  • 20% bonus to British Airways ends 8/31/22
  • 20% bonus to Air France ends 8/31/22


  • 40% transfer bonus to Marriott expired 12/20/22
  • Transfer bonus that expired 11/30/22
    • 30% to Aeroplan
  • Transfer bonuses that expired 11/12/22
    • 15% to Cathay Pacific Asia Miles
    • 30% transfer bonus to Virgin Atlantic until 11/12/2022
  • Expired 50% bonus to Marriott ends 8/19/22 – you can click to read how to best use those Marriott points


  • Transfer bonuses that expired 11/12/22
    • 15% to Cathay Pacific Asia Miles
  • 25% transfer bonus to Avianca LifeMiles ends 8/31/22

Affiliate link via CardRatings


The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based. 

Welcome Offer

60k Points after $4k spend in 3 months

80k offer in branch currently – I think this should be online soon

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

Super solid welcome offer.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash , Ink Business Unlimited you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

  • 3x on dining
    •  including eligible delivery services for takeout
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
  • $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred® continues to redeem at 1.25c in the Chase Travel Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
  • Points are transferrable to 13 Ultimate Rewards partners
  • Redeem in the Chase Travel center for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Primary rental car coverage is my favorite

There is currently an 80k offer after $4k spend in 3 months available in branch, and up to 90k after $6k spend in 6 months. I suspect some version of this will be online soon if you don’t want the hassle of going into a branch.

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 60k is a very, very good offer. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back. .

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 


  • […] options since it’s open to cruises, hotels, and even safaris. We have added this to our current list of transfer bonuses. Let’s take a […]

  • Catherine February 16, 2023

    Can someone point me to the direction of how to transfer delta miles to air france

    • Miles February 16, 2023

      Hey Catherine – you can redeem Delta Skymiles on Air France but you can’t transfer them over to Air France/KLM – whatever Delta says the flights cost, you’re unfortunately bound by their program’s pricing. If you are currently using a Delta Amex I’d suggest looking at an Amex Green, Gold, or Platinum which earns Membership Rewards that can be transferred to Delta but also partners like Air France/KLM

      • Catherine February 16, 2023

        Thanks for the response! Please be patient with me, I’m completely new at this but what do you mean I can redeem it?

  • Lisa February 11, 2023

    Please consider including some Canadian content. I live in Canada so many of these deals don’t work for us as the flights originate in the USA. Also Air Canada, our National carrier spoiled their program. Now costs 400,000 round trip to most European cities for 1 ticket. Used to be less than half that so we need better options. Hate getting ripped off. Also I think the TD Visa is a good one but still only builds aeroplan points! I have Amex platinum not sure we should keep it. Guidance would be appreciated! thanks.

  • Todd January 5, 2023

    Hey dude.
    I follow on TikToc and love your content. Can you do an article on the best way to accrue points to fly Down Under to Sydney, Melbourne, etc. What alliance is best? What cards transfer points to United or Quantas, etc. This would be really interesting because I think most Americans balk at the higher flight and lodging costs. Remember, there are only 250 reptiles, insects and plants that can kill you in Oz!

  • Kris November 8, 2022

    Pretty Please Use this link for the Chase Sapphire Preferred Card!!

    Now you can earn 60,000 bonus points with the Chase Sapphire Preferred® credit card.
    If you apply and get approved, we can both earn rewards:

  • […] Chase has announced a new 50% Marriott transfer bonus which matches its highest ever. From now until 12/20/22 you can transfer your Chase Ultimate Rewards to Marriott and get a 40% bonus.  One thing to pay attention to is the changes Marriott has done to their award program which is fully dynamic now ( no award charts ). Also, don’t forget we keep an up to date transfer bonus page. […]

  • […] the month of November, Aeroplan will easily be the most valuable partner of Chase Ultimate Rewards. You can find an up to date list of all transfer bonuses here,but I’d highly recommend looking at some of the redemption options I list at the bottom of […]

  • […] We keep an up to date list of Transfer Bonuses here […]

  • […] Hat tip to Monkey Miles […]

  • […] bonus when you transfer credit card points into Cathay Pacific Asia Miles. I’ve updated the master list of transfer bonuses to reflect this new transfer bonus, so be sure to check that out! H/T […]

  • […] keep an update to date list of all the transfer bonuses that banks are currently offering – found here. But, this is a dedicated page to alert you of current transfer bonuses that will be ending very […]

  • ROBERT K. MAH August 4, 2022


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