Current Credit Card Transfer Bonuses
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 roundup of the active transfer bonuses from major credit card rewards programs, updated on August 25, 2026.
Active Credit Card Transfer Bonuses
| Transfer From | Transfer To | Bonus | End Date | Normal Ratio | Bonus Ratio |
|---|---|---|---|---|---|
| Chase Ultimate Rewards | Air Canada Aeroplan | 20% (up to 30% for Aeroplan cardmembers) | September 30, 2026 | 1:1 | 1:1.2 (1:1.3 stacked) |
| Chase Ultimate Rewards | IHG One Rewards | 70% | August 31, 2026 | 1:1 | 1:1.7 |
| Capital One Miles | Avianca LifeMiles | 15% | August 31, 2026 | 1:1 | 1:1.15 |
| Citi ThankYou Rewards | Turkish Airlines Miles & Smiles | 40% | August 30, 2026 | 1:1 | 1:1.4 |
| Amex, Capital One, Citi, Bilt, Brex, Wells Fargo and several hotel programs | Cathay | 10% | August 28, 2026 | Varies | Varies |
| Citi ThankYou Rewards | Leading Hotels of the World Leaders Club | 25% | September 19, 2026 | 1,000:200 | 1,000:250 |
The Cathay promotion works differently from the others. First, you must register before you move any points. Second, the bonus caps at 10,000 bonus miles per member. Finally, the transfer ratio varies by program, so run the math before you commit: American Express transfers at 1,000:800 in the U.S., which the 10% bonus lifts to 1,000:880.
Hotel programs also feed Cathay during this promotion, including Hilton Honors, World of Hyatt, IHG One Rewards, ALL Accor, Best Western, and Shangri-La Circle. Marriott Bonvoy, however, sits out this round.
How to Earn Transferable Points
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:
American Express Membership Rewards
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $895 | |||
| $325 | |||
| $0 |
The Platinum Card® from American Express
Unlock Premium Travel & Lifestyle Benefits with The Platinum Card® from American Express
Welcome Offer: Up to 175,000 Membership Rewards® points after spending $8,000 in eligible purchases in your first 6 months of Card Membership.
The Platinum Card® from American Express delivers exceptional value for travelers and lifestyle enthusiasts. With this premium card, you’ll enjoy:
- 5X Membership Rewards® points on flights and prepaid hotels booked through American Express Travel®
- Global Lounge Collection® access to over 1,550 airport lounges including Centurion Lounges and Delta Sky Clubs®
- $600 Hotel Credit annually on Fine Hotels + Resorts® or The Hotel Collection bookings
- $400 Resy Credit plus exclusive Platinum Nights by Resy restaurant reservations
- $320 Uber benefits ($200 Uber Cash + $120 Uber One membership credits)
- $300 Digital Entertainment Credit ($25 monthly for eligible streaming services)
- $300 lululemon Credit ($75 quarterly)
- $209 CLEAR® Plus Credit annually
- $200 Airline Fee Credit with your selected qualifying airline
- $155 Walmart+ Credit for monthly membership
- $100 Saks Fifth Avenue Credit ($50 semi-annually)
The Platinum Card® offers premium early check-in and guaranteed 4PM late checkout at Fine Hotels + Resorts® properties, helping you maximize your vacation time.
With dedicated 24/7 Member Services support and a suite of benefits that deliver over $2,500 in potential annual value, The Platinum Card® stands apart as a premium travel and lifestyle companion.
- Annual fee
- $895
- Our valuation
- $3,500Milesopedia first-year estimate First-year valueWelcome bonus$3,500Total$3,500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 175,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$3,500Total$3,500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on American Express's website
Capital One Miles
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $395 | |||
| $95 | |||
| $95 |
Capital One Venture X Rewards
Elevate Your Travel at a Value: Capital One Venture X Rewards Credit Card
- 10X miles on hotels & rental cars booked through Capital One Travel
- 5X miles on flights & vacation rentals through Capital One Travel
- 2X miles on all other purchases
- $395 annual fee, with up to $300 annual travel credit for portal bookings
- 10,000 anniversary bonus miles (worth $100) each year
- Global Entry/TSA PreCheck credit up to $100 every four years
- Unlimited lounge access at Capital One & Priority Pass lounges
- No foreign transaction fees
Perfect for frequent explorers, this card’s robust benefits—from statement credits to lounge access—easily offset its annual fee. Book your next adventure, relax in premium lounges and enjoy seamless digital tools, all while earning unlimited rewards on every dollar spent.
Terms apply. See issuer’s website for rates, fees and complete details.
- Annual fee
- $395
- Our valuation
- $1,388Milesopedia first-year estimate First-year valueWelcome bonus$1,388Total$1,388Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 75,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,388Total$1,388Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on Capital One's website
Chase Ultimate Rewards
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $795 | |||
| $95 | |||
| $95 |
Chase Sapphire Preferred® Card
Earn Big on Travel with the Chase Sapphire Preferred® Card
- 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
- 5X points on travel booked through Chase Travel℠
- 3X points on dining, vacation home rentals, gas & EV charging, plus top streaming services and online groceries (excludes Walmart, Target and wholesale clubs)
- 2X points on all other travel
- 1X point on everything else
- Up to $100 in hotel statement credits each account anniversary year for stays booked through Chase Travel℠
- Complimentary DashPass: $0 delivery fees and reduced service fees for at least one year (activate by 12/31/27), plus a $10 monthly promo on non-restaurant orders
- One year of Apple TV on us when you activate by 12/31/26 (a $156 value)
- Up to $120 every four years as a statement credit for your Global Entry, TSA PreCheck® or NEXUS application fee
- No foreign transaction fees
- $95 annual fee
Make every trip count. Transfer your points 1:1 to leading airline and hotel loyalty programs, or redeem them through Chase Travel℠ for 25% more value. You’re also covered by built-in travel protections like trip cancellation/interruption insurance, auto rental collision damage waiver and lost luggage insurance, with everything managed in the Chase mobile app. Whether you fly often or are planning your next getaway, the Chase Sapphire Preferred® delivers premium perks at an approachable price.
Terms apply. Bonus offer requires minimum spend. Annual fee applies. Member FDIC. See Chase for full details.
- Annual fee
- $95
- Our valuation
- $1,538Milesopedia first-year estimate First-year valueWelcome bonus$1,538Total$1,538Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 75,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,538Total$1,538Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on Chase's website
Citi ThankYou Rewards
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $595 | |||
| $95 |
Citi Strata Elite℠ Card
Unlock Ultra‑Premium Rewards with the Citi Strata Elite℠ Card
- 75,000 bonus points after $6,000 in purchases within your first 3 months
- 12× points on hotels, car rentals & attractions booked through CitiTravel.com
- 6× points on airfare booked through CitiTravel.com
- 6× points on weekend dining (Friday & Saturday from 6 PM–6 AM ET)
- 3× points on restaurants any other time
- 1.5× points on all other purchases
- Up to $300 annual hotel credit on two‑night bookings via CitiTravel.com
- Up to $200 annual Splurge Credit℠ (choose two brands: 1stDibs, AA, Best Buy, personal training, Live Nation)
- Up to $200 Blacklane® chauffeur credit per year
- Priority Pass™ Select lounge access plus four Admirals Club® passes
- Up to $120 Global Entry/TSA PreCheck® credit every four years
- No foreign transaction fees
Designed for discerning travelers, the Strata Elite℠ Card turbocharges your points on every journey and gourmet meal, then offsets its $595 fee with generous annual credits and premium lounge benefits. Redeem ThankYou® Points for flights, hotels, gift cards or transfers to top airline and hotel partners—your next luxury experience is just a swipe away.
Terms apply. Bonus points, credits and benefits require qualifying spend and enrollment. See issuer for details.
- Annual fee
- $595
- Our valuation
- $1,520Milesopedia first-year estimate First-year valueWelcome bonus$1,520Total$1,520Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 80,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,520Total$1,520Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on Citibank's website
Strategic Considerations for Transfer Bonuses
While transfer bonuses can provide excellent value, it’s important to approach them strategically. Here are some key considerations:
When to Transfer Points During a Bonus
- For immediate redemptions: The safest approach is to transfer points only when you have a specific redemption in mind and have confirmed award availability
- To top off an account: If you’re just short of the points needed for a specific award, a transfer bonus can be the perfect opportunity to top off your account
- For high-value programs with good award availability: Some programs consistently offer good value and have reliable award availability, making speculative transfers less risky
When to Avoid Transfers
- Speculative transfers without a plan: Once transferred, points cannot be converted back to the original program
- Programs with expiration policies: Be aware of the expiration policies of the loyalty program you’re transferring to
- When the value proposition is marginal: If the transfer bonus only slightly improves the value, it may be better to maintain flexibility
- Programs prone to devaluations: Some loyalty programs have a history of frequent devaluations, making speculative transfers risky
How to Maximize Transfer Bonuses
Here are some advanced strategies to get the most value from transfer bonuses:
- Stack with program promotions: Combine transfer bonuses with promotions from the loyalty program itself, such as Flying Blue’s Promo Rewards or Hilton’s fifth night free
- Compare across programs: Before transferring, check if another program offers better value for your specific redemption, even after accounting for the transfer bonus
- Book for future travel: Many programs allow bookings 11-12 months in advance, letting you lock in awards for future travel while taking advantage of current transfer bonuses
- Consider positioning flights: Sometimes it’s worth booking a separate positioning flight to take advantage of a particularly valuable award opportunity
Bottom Line
Transfer bonuses represent one of the best opportunities to maximize the value of your credit card points. The current bonuses from 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 2026. If you’ve been considering a points transfer for an upcoming trip, now might be the perfect time to take action.
- Annual fee
- $95
- Our valuation
- $1,538Milesopedia first-year estimate First-year valueWelcome bonus$1,538Total$1,538Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 75,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,538Total$1,538Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on Chase's website
Frequently Asked Questions
How long do transfers take during bonus periods?
Transfer times generally remain the same during bonus periods as they are during normal times. Most transfers from Chase and Capital One to their partners process instantly or within a few hours. American Express transfers to Hilton typically process instantly as well. Citi transfers to Wyndham usually take 1-2 business days. However, during periods of high demand (such as during popular transfer bonuses), there can occasionally be slight delays in processing times.
Do I need to register for these transfer bonuses?
No, registration is not required for any of the current transfer bonuses. The bonus will be automatically applied when you initiate a transfer during the promotional period. However, it’s always a good idea to take a screenshot of the bonus offer and your transfer confirmation in case there are any issues with the bonus posting correctly.
Can I transfer points to someone else’s loyalty account?
Generally, you can only transfer your credit card points to loyalty program accounts in your own name. Some programs allow transfers to accounts of authorized users on your credit card or household members, but this varies by program. American Express allows transfers to the frequent flyer accounts of authorized users on your card. Chase allows transfers to a household member who is an authorized user. Citi allows transfers to any account with the same last name. Capital One allows transfers only to the primary cardholder’s loyalty accounts.
Are transfer bonuses targeted or available to everyone?
The current transfer bonuses listed in this article are public offers available to all eligible cardholders. However, credit card issuers occasionally offer targeted transfer bonuses to specific cardholders. It’s always worth checking your account directly to see if you have any targeted offers that might be better than the public ones. You can do this by logging into your credit card account and navigating to the transfer partners section.
What happens if I transfer points but can’t find award availability?
Unfortunately, once points are transferred to airline or hotel partners, they cannot be transferred back to your credit card program. This is why it’s generally recommended to confirm award availability before transferring points. If you transfer points and then can’t find the award you were hoping for, your options are to find an alternative redemption within that program, hold the points for future use (being mindful of expiration policies), or potentially use them for a less optimal redemption like merchandise or gift cards (though this typically provides poor value).
How often do transfer bonuses occur?
The frequency of transfer bonuses varies by credit card program and transfer partner. American Express typically offers the most frequent transfer bonuses, with some partners seeing bonuses 2-3 times per year. Chase and Capital One typically offer transfer bonuses a few times per year for select partners. Citi has historically offered fewer transfer bonuses but has increased their frequency in recent years. Some partnerships see regular bonuses (like Amex to Virgin Atlantic or British Airways), while others might go years between bonus offers.
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