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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
- 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
- Often transfer bonuses can be targeted, so if you see one down below, you may/may not be targeted
- 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
- As an example
- 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
Chase
- 50% to Marriott
- Good through 5/15/23
Citi
- 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
BREX
- No transfer bonuses
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
Marriott
- 50% transfer bonus until 5/15/23
Citi
- 20% transfer bonus to Avianca LifeMiles
- 30% transfer bonus to Virgin Atlantic
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 )
- 25% transfer bonus
- 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 )
- 30% transfer bonus
- 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
Chase
- 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
Citi
- Transfer bonuses that expired 11/12/22
- 15% to Cathay Pacific Asia Miles
- 25% transfer bonus to Avianca LifeMiles ends 8/31/22
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
$95
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.
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