Current Credit Card Transfer Bonuses: October 2026

If you’re serious about traveling more for less, a great place to start is by earning transferable points or miles — such as Chase Ultimate Rewards®, Capital One Miles, Bilt Rewards, Citi ThankYou Points and AmEx Membership Rewards. Credit cards that earn these rewards allow you to transfer them to a list of partner airlines or hotel programs, often at a 1:1 ratio.

Occasionally, credit card issuers and their travel partners offer transfer bonuses, allowing you to get even more value from your points. For example, if your points transfer to an airline at a 1:1 ratio, and that airline is offering a 25% transfer bonus, transferring 100,000 points to that airline would net you 125,000 airline miles. That means you can transfer fewer miles to book the same award flight.

Current credit card transfer bonuses

A summary of current transfer bonuses offered by the major transferable point programs includes:

When should you transfer points?

You should generally only transfer rewards to airline and hotel partners if you have a specific redemption in mind. Once the rewards are transferred, it can’t be undone. Those rewards are subject to the restrictions of the individual loyalty program, which may include expiration dates or loyalty program devaluations. If you decide to take advantage of a transfer bonus without immediate travel plans, be sure to understand those restrictions before you transfer.

Using an award search tool like PointsYeah can help you find redemption options for the transferable points you’re trying to redeem. You can even filter results to only include transferable points with a current transfer bonus.

Transfer bonus history by issuer

American Express

American Express Membership Rewards can be transferred to around 20 airline and hotel partners.

AmEx has more airline and hotel partners than Chase. In addition, AmEx has typically offered more transfer bonuses than the other banks.

You’ll need a card that earns AmEx Membership Rewards to take advantage of an AmEx transfer bonus. Here are some of our favorites.

Chase

Chase Ultimate Rewards® points can be transferred to over a dozen airline and hotel partners.

You’ll need a card that earns Chase Ultimate Rewards® points to take advantage of a Chase transfer bonus. Here are a few of our favorites.

» Learn more: What Is the 'Chase Trifecta'?

Citi

Citi ThankYou is partnered with over 18 airlines and hotel partners.

If you want to take advantage of Citi’s transfer partners, you’ll need to get a credit card from Citi that earns ThankYou points. Unfortunately, not all ThankYou point earning cards give you access to all the transfer partners, and the ratio you can transfer points at differs depending on the card you hold.

That's especially true when it comes to American Airlines, one of Citi's most valuable transfer partners. If you want to be able to transfer ThankYou points to AAdvantage miles, make sure you have an eligible card.

For example, a card like the Citi Strata Premier® Card ($95 annual fee) will grant you access to all the transfer partners. In addition, holders this card unlocks access to more favorable transfer ratios for certain transfer partners.

Capital One

Capital One has over 20 airline and hotel transfer partners.

Here's a selection of popular credit cards that earn Capital One miles.

Bilt Rewards

Bilt Rewards is one of the newer rewards programs with transfer partners and is geared toward renters who want to pay rent using a credit card. Bilt Rewards points can be transferred to over 20 hotel and airline loyalty programs.

The best transfer value for Bilt Rewards comes during Bilt's Rent Day promotions, which offer high transfer bonuses for just one day. For example, Bilt offered a 100% transfer bonus to Air-France KLM Flying Blue in 2023. The offers are often based on your Bilt Rewards status, with higher status tiers often receiving better transfer bonus offers. Check the Bilt app on the first of every month for any transfer bonuses.

The fastest way to rack up Bilt points is with one of the three Bilt credit cards.

» Learn more: The guide to Bilt transfer partners

Rove Miles

Rove Miles launched in 2025 and offers consumers a way to earn and redeem points for travel and shopping without needing a credit card. Rove has over 18 transfer partners.

Rove combines elements of a shopping portal, an online travel agency and a transferable rewards program into a single ecosystem, where miles earned from flights, hotels or online purchases can be redeemed for travel or transferred to partners.