Transfer bonuses can significantly increase the value of your credit card points, allowing you to book premium travel experiences for fewer points. These limited-time promotions offer a percentage boost when transferring your flexible rewards to airline and hotel partners—sometimes reducing the cost of business class flights or luxury hotel stays by 20-30%.
Here’s a comprehensive roundup of all active transfer bonuses from major credit card rewards programs as of September 2025, along with strategic advice on when and how to take advantage of these opportunities.
Through September 23, 2025, American Express is offering a 25% transfer bonus when converting Membership Rewards points to Hilton Honors points. This increases the already favorable transfer ratio from 1:2 to 1:2.5, meaning 1,000 Amex points will yield 2,500 Hilton points.
While Hilton points are generally valued lower than Membership Rewards points on a per-point basis, this bonus can create excellent value for high-end Hilton properties or during peak travel periods. The best opportunities include:
For example, the Conrad Maldives Rangali Island typically costs around 120,000 Hilton points per night, which would require just 48,000 Amex points with this transfer bonus (compared to 60,000 normally). With cash rates often exceeding $1,500 per night, this represents excellent value.
Capital One is offering a 30% transfer bonus to Virgin Red through October 1, 2025. This increases the transfer ratio from 1:1 to 1:1.3, meaning 1,000 Capital One miles will yield 1,300 Virgin points.
Virgin Red is the broader loyalty program of the Virgin Group, and points can be transferred 1:1 to Virgin Atlantic Flying Club. This creates several valuable redemption opportunities:
Through September 30, 2025, Chase is offering a 20% transfer bonus to Air France-KLM Flying Blue. This increases the transfer ratio from 1:1 to 1:1.2, meaning 1,000 Chase points will yield 1,200 Flying Blue miles.
Flying Blue offers several compelling redemption opportunities, especially for transatlantic travel:
Citi is offering a 25% transfer bonus to Wyndham Rewards through September 20, 2025. This increases the transfer ratio from 1:1 to 1:1.25, meaning 1,000 Citi points will yield 1,250 Wyndham points.
Note that you’ll need to hold the Citi Strata Elite℠ Card, Citi Strata Premier® Card, or the Citi Prestige® Card (no longer available to new applicants) to access the full 1:1 base transfer ratio.
While this isn’t typically the most valuable use of Citi ThankYou points, there are specific scenarios where this transfer can make sense:
To take advantage of these transfer bonuses, you’ll need to have a stash of the relevant transferable points. Here are some of the best credit cards for earning each type:
While transfer bonuses can provide excellent value, it’s important to approach them strategically. Here are some key considerations:
Here are some advanced strategies to get the most value from transfer bonuses:
Transfer bonuses represent one of the best opportunities to maximize the value of your credit card points. The current bonuses from American Express, Capital One, Chase, and Citi offer potential savings of 20-30% on award redemptions compared to standard transfer rates.
While the safest approach is to transfer points only when you have a specific redemption in mind, these bonuses can sometimes justify more speculative transfers to programs you use frequently or for high-value redemptions like premium cabin flights or luxury hotel stays.
Remember that these offers are time-limited, with most expiring by the end of September 2025. If you’ve been considering a points transfer for an upcoming trip, now might be the perfect time to take action.
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