Last Updated on March 6, 2026 by Melissa Vines

Transfer bonuses are one of the biggest reasons why flexible points are the key to your points-earning strategies. When you earn points through major bank programs (like Chase, Capital One, Citi, Bilt, or Amex), you’re not locked into one airline or hotel. You can transfer those points to different travel partners, and that’s where the magic happens.

Instead of being stuck with one loyalty program, you can move your points to whichever airline or hotel gives you the best value. That flexibility is what allows you to book business class flights, luxury hotels, and all-inclusive resorts for a fraction of the cash price.

And when a bank transfer bonus pops up? Your points can instantly become even more powerful, especially for large families!

What Is a Transfer Bonus?

A transfer bonus is a limited-time promotion where a bank gives you extra points when you transfer to a specific airline or hotel partner.

For example:
If there’s a 25% transfer bonus and you transfer 100,000 points, you’ll receive 125,000 miles in the airline or hotel program. That means you need fewer bank points to book the same flight or hotel stay. It’s one of the fastest ways to stretch your points further when used strategically.

How to Calculate a Transfer Bonus

Here’s the simple math:

Take the number of points you need for the award
Divide by (1 + bonus percentage)

Example:
A flight costs 50,000 airline miles
There’s a 25% Chase transfer bonus
50,000 ÷ 1.25 = 40,000 Chase points needed (round up to the nearest thousand)

Instead of transferring 50,000 Chase points, you’d only transfer 40,000.

Family Example: Let’s say you need 5 flights, and each flight costs 75,000 miles.
75,000 miles × 5 seats = 375,000 Amex points needed.
There’s a 40% Amex transfer bonus
To figure out how many Amex points you need, divide by 1.40:
375,000 ÷ 1.40 = 267,857 Amex points.
Round up to the nearest thousand: 268,000 Amex points.

Instead of transferring 375,000 Amex points, you’d only need about 268,000.

Should You Transfer Without a Plan?

Rarely, unless you’re very experienced with points and miles, you’re completely confident you’ll find the exact flight you want when you need it, or you have more points than you know what to do with. Once you transfer flexible bank points to an airline or hotel, you cannot transfer them back.

That means you should only transfer when:

• You’ve found availability
• You’re ready to book
• The math makes sense

Transfer bonuses are exciting, but flexibility is even more valuable. Don’t give it up unless you’re confident you’ll use those points.

Bookmark This Page

This page will be updated every time a new transfer bonus is announced. Transfer bonuses change frequently, and some only last a few weeks. If you’re building a points balance for an upcoming trip, checking this page regularly can help you maximize every point.

Current Transfer Bonuses

Bank Program	%Transfer Bonus	Transfer Partner	Start Date	End Date
Chase Ultimate Rewards®	20%	British Airways	3/1/26	3/31/26
Chase Ultimate Rewards®	20%	Aer Lingus	3/1/26	3/31/26
Chase Ultimate Rewards®	20%	Iberia Club	3/1/26	3/31/26
Chase Ultimate Rewards®	30%	Wyndham Rewards	3/5/26	3/31/26
American Express Membership Rewards®	15%	Avianca Life Miles	2/18/26	3/28/26
Citi ThankYou® Points	25%	Wyndham Rewards	2/22/26	3/21/26
Capital One Miles	30%	I Prefer Hotel Rewards	3/1/26	3/31/26

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Previous Transfer Bonuses

Bank Program	%Transfer Bonus	Transfer Partner	Start Date	End Date
Chase Ultimate Rewards®	50%	Marriott Bonvoy	2/1/26	2/28/26
Chase Ultimate Rewards®	40%	Virgin Atlantic	2/14/26	2/28/26
Capital One Miles	30%	JAL- Japan Airlines	2/1/26	2/28/26
Bilt Rewards	Up to 125%	JAL- Japan Airlines	3/1/26	3/1/26

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Resources:

10 of the Best Award Flights for Families to Book with Virgin Atlantic Points

How to Book Economy Flights to Europe for as Low as 10k Points (With a 30% Bonus)

Best Resorts for Redeeming 50k Marriott Certificates

10 of the Best Ways to Use Venture Miles for Families

Flying Blue is one of the Best Ways for Families to fly to Europe on Points