Current Transfer Bonuses
Card programs sometimes add a bonus when you move points to an airline or hotel partner. This page lists the bonuses running now, the ones announced for the next 60 days, and any that ended in the last 30 days. Each running bonus shows the standard ratio, the ratio with the bonus, and the last day.
We list a bank's bonus until 11:59 PM Eastern time on its last day, and a Bilt Rent Day bonus until 11:59 PM Pacific time. The offer terms give the exact cutoff.
The first cents figure is our estimate for one point across everything it can do. The figures after it are the same point once it's moved to this partner, at the usual rate and at the bonus rate. All use our Balanced setting, and each figure is rounded on its own. How we value points
Running now
American Express Membership Rewards
Bonus: 35%.
Standard 1:1. With the bonus, 1:1.35.
Our value for one of these points: 2.5¢. Moved to this partner: 0.7¢ normally, 0.9¢ with this bonus.
We last checked this bonus on Nov 2, 2026.
Capital One Miles
Bonus: 30%.
Standard 1:1. With the bonus, 1:1.3.
Our value for one of these points: 2.2¢. Moved to this partner: 2.4¢ normally, 3.1¢ with this bonus.
We last checked this bonus on Nov 2, 2026.
Bonus: 20%.
Standard 1:1. With the bonus, 1:1.2.
Our value for one of these points: 2.2¢. Moved to this partner: 2.5¢ normally, 3.0¢ with this bonus.
We last checked this bonus on Nov 2, 2026.
Bonus: 30%.
Standard 1:0.75. With the bonus, 1:0.975.
Our value for one of these points: 2.2¢. Moved to this partner: 0.9¢ normally, 1.2¢ with this bonus.
We last checked this bonus on Nov 3, 2026.
Chase Ultimate Rewards
Bonus: 30%.
Standard 1:1. With the bonus, 1:1.3.
Our value for one of these points: 2.1¢ to 2.2¢. Moved to this partner: 2.1¢ normally, 2.7¢ with this bonus. The first figure is 2.1¢ on the Sapphire Preferred and Ink Business Preferred, and 2.2¢ on the Sapphire Reserve and Sapphire Reserve for Business. If you hold any card in the second group, your whole balance gets the higher figure.
We last checked this bonus on Nov 2, 2026.
Bonus: 30%.
Standard 1:1. With the bonus, 1:1.3.
Our value for one of these points: 2.1¢ to 2.2¢. Moved to this partner: 2.0¢ normally, 2.6¢ with this bonus. The first figure is 2.1¢ on the Sapphire Preferred and Ink Business Preferred, and 2.2¢ on the Sapphire Reserve and Sapphire Reserve for Business. If you hold any card in the second group, your whole balance gets the higher figure.
We last checked this bonus on Nov 2, 2026.
Bonus: 30%.
Standard 1:1. With the bonus, 1:1.3.
Our value for one of these points: 2.1¢ to 2.2¢. Moved to this partner: 2.5¢ normally, 3.3¢ with this bonus. The first figure is 2.1¢ on the Sapphire Preferred and Ink Business Preferred, and 2.2¢ on the Sapphire Reserve and Sapphire Reserve for Business. If you hold any card in the second group, your whole balance gets the higher figure.
We last checked this bonus on Nov 2, 2026.
Bonus: 80%.
Standard 1:1. With the bonus, 1:1.8.
Our value for one of these points: 2.1¢ to 2.2¢. Moved to this partner: 0.7¢ normally, 1.3¢ with this bonus. The first figure is 2.1¢ on the Sapphire Preferred and Ink Business Preferred, and 2.2¢ on the Sapphire Reserve and Sapphire Reserve for Business. If you hold any card in the second group, your whole balance gets the higher figure.
We last checked this bonus on Nov 2, 2026.
Bonus: 30%.
Standard 1:1. With the bonus, 1:1.3.
Our value for one of these points: 2.1¢ to 2.2¢. Moved to this partner: 0.7¢ normally, 0.9¢ with this bonus. The first figure is 2.1¢ on the Sapphire Preferred and Ink Business Preferred, and 2.2¢ on the Sapphire Reserve and Sapphire Reserve for Business. If you hold any card in the second group, your whole balance gets the higher figure.
We last checked this bonus on Nov 2, 2026.
Citi ThankYou Points
Bonus: 10%.
Standard 1:0.7 to 1:1. With the bonus, 1:0.77 to 1:1.1.
Our value for one of these points: 1.6¢ to 2.3¢. Moved to this partner: 2.0¢ to 2.8¢ normally, 2.2¢ to 3.1¢ with this bonus.
The rate depends on which card you hold. In each range, the lower figure is for the AT&T Points Plus, Custom Cash, Double Cash and Strata, and the higher one is for the Strata Premier, Strata Elite and Prestige. If you hold any card in the second group, your whole balance moves at the higher rate.
We last checked this bonus on Nov 2, 2026.
Starting soon
We don't have any bonuses listed as starting in the next 60 days.
Ended in the last 30 days
American Express Membership Rewards
Bonus: 25%.
Bonus: 20%.
Bonus: 30%.
Capital One Miles
Bonus: 20%.
Chase Ultimate Rewards
Bonus: 70%.
Citi ThankYou Points
Bonus: 15%.
The bonus grows with the size of a single transfer: 15% below 50,000 Avios, 25% from 50,000 and 35% from 100,000. Each transfer counts on its own, and the rate covers the whole transfer.
Bonus: 25%.
Bonus: 30%.
HSBC Rewards
Bonus: 20%.
What is a bonus worth to you?
A bonus only helps if the partner is where you would use the points anyway. Add your cards to PointBagel, or connect PointBagel in ChatGPT or Claude, and ask about a specific transfer with your own balances.
Point transfers are one-way and cannot be reversed - confirm the award is bookable before you transfer.
Common questions
- Do I need to register for a transfer bonus?
- Some bonuses only apply after you register for the offer, and we mark those. If a bonus says registration is required, register before you move any points.
- When does a transfer bonus end?
- We list a bank's bonus until 11:59 PM Eastern time on its last day, and a Bilt Rent Day bonus until 11:59 PM Pacific time. The offer terms give the exact cutoff, so don't leave a transfer to the last evening.
- Why do some bonuses show a range of rates?
- Some banks transfer at a lower rate from some of their cards, and Bilt bonuses depend on your Bilt status. We show the whole range so nobody reads a rate their card can't get.
- Can I undo a transfer?
- No. Point transfers are one-way. Make sure the award you want is available before you move points.
- What is a point worth?
- It's our estimate of what one point is worth when you redeem it, in cents. This page uses our Balanced setting. For card points, that's what a balance is worth when you transfer it and book a normal mix of cabins; for a partner's points, it's a normal mix of that program's own awards. Our methodology page explains the Conservative and Aspirational settings too.
- How do you check these bonuses?
- We read each bonus from the bank's offer page or from several published reports, and we show the day we last checked it where we have one.