Current Transfer Bonuses: Get Up to 70% More Points!

Got a stash of transferable points from banks like American Express, Capital One, or Chase? Take advantage of these current transfer bonuses to get even more out of them.

Think of transfer bonuses as a way to get free miles. The big banks routinely roll out bonuses of 10% to as much as 40% – and sometimes even more! – when transferring points to select airline or hotel partners. With a 25% transfer bonus, for example, you'd only need to transfer 40,000 points to get the 50,000 miles you may need to book an award ticket.

Here are all the current transfer bonuses available as of publication, broken down bank by bank.

Wondering why you should transfer your points? Read up on how it can help you book flights for less!

But before you rush to send your points somewhere with a bonus, remember: These transfers are a one-way street. Once you send the points to an airline partner, you cannot get them back to your Capital One, Chase, or other credit card account. That means you'll generally want to have a redemption in mind (and make sure the flights or hotels you want are actually available to book) before transferring your points.

Let's take a closer look at each of the current transfer bonuses and how you may (or may not) want to use them. 

40% Bonus from Amex to Virgin Atlantic

One of the best transfer bonuses we've ever seen – and arguably one of the best ways to use American Express Membership Rewards, period – is back! 

From now through the end of the year, you can get a 40% bonus when transferring Amex points to your Virgin account. So long as you've got a card that earns Membership Rewards like the *amex platinum* or the *amex gold*, you should see this bonus in your Amex account.

Unfortunately, your co-branded Delta SkyMiles credit cards from American Express won’t do the trick … and not everyone with an Amex Gold or Platinum card will be targeted either. While this bonus is showing up for most members of our team, a couple of unlucky ones have been shut out completely. 

If you've got a good use for Virgin points – and odds are, you do – be sure to take advantage before this offer ends Dec. 31! 

Virgin's transition to dynamic award pricing resulted in some outstanding deals, flying Virgin Atlantic itself … for a fraction of the miles. Unfortunately, this deal recently took a big hit: Virgin now tacks on close to $600 in taxes and fees on a one-way business class ticket to London-Heathrow (LHR).  

Still, flying business class to London from East Coast cities like Boston (BOS), New York City (JFK), Washington, D.C.-Dulles (IAD), or Atlanta (ATL) for as low as 29,000 points could be worth stomaching the higher fees.

With a 40% bonus, this business class ticket to London would cost you just 21,000 Amex points. That's an absurdly, unbelievably good deal.

There are deals to be had in the lower cabins now, too … with far more tolerable taxes and fees. 

• A roundtrip from the East Coast to London for as few as 12,000 miles – as few as 9,000 Amex points with this bonus.
• A roundtrip in premium economy isn't bad either, at just 21,000 miles – as few as 15,000 Amex points with this bonus

Thrifty Tip: It’s much easier to search for Virgin Atlantic flights one-way rather than roundtrip – and unlike with many other airlines, it’ll often save you money on taxes and fees booking one-ways separately, too.

Read our full guide to maximizing this massive transfer bonus!

30% Bonus from Chase to Virgin Atlantic

Amex isn't the only bank offering a big bonus when transferring points to Virgin: If you've got a stash of Chase Ultimate Rewards you can currently get a 30% bonus. 

But you'll have to move quickly if you want to take advantage of it: This offer ends Friday, Dec. 5! 

There's no shortage of great ways to redeem Virgin Atlantic Flying Club points, and this bonus means you'll need fewer points to pull it off. A few standouts include:

• With Virgin business class redemptions to London as low as 29,000 points each way, you could transfer just 23,000 Chase points
• Short Delta flights are a bargain for as low as 7,500 points each way – or 6,000 Chase points after this bonus
• The airline now tacks on surcharges north of $1,000 when booking Delta One over to Europe … but not on the way home to the states: You can book for around $300 in taxes and fees and 47,500 Virgin points – 37,000 Chase points with the 30% bonus
• ANA business class to Tokyo will cost you as low as 52,500 points each way, transferring just 41,000 Chase points

Read our full guide to maximizing this massive transfer bonus!

Up to 25% Bonus on Chase Transfers to Aeroplan

Chase just rolled out a brand new bonus of up to 25% when transferring points to Air Canada Aeroplan. Best of all, you've got until early next year to take advantage of this new offer: This bonus ends on Jan. 5, 2026!  

Exactly how big of bonus you'll get depends on how many points you transfer – the more you transfer, the bigger your bonus. Here's how it shakes out: 

• 15% Bonus: A single transfer of 1,000 to 74,000 Chase Ultimate Rewards
• 20% Bonus: A single transfer of 75,000 to 174,000 Chase Ultimate Rewards
• 25% Bonus: A single transfer 175,000 Chase Ultimate Rewards or more

Read more: Save Points When Booking Flights: Transfer Them to an Airline Partner

Aeroplan is one of the best mileage programs on the planet – and not just to fly Air Canada. Thanks to Aeroplan's more than 50 airline partners, you can use their miles to get nearly anywhere on the globe – and this tiered bonus makes it more affordable than ever!

With reasonable rates and low fees, Aeroplan is one of the best ways to book lie-flat business class seats to Europe – in some cases, you'll pay just 60,000 Aeroplan points each way. Meanwhile, longer flights clock in at 70,000 miles each way, while starting from the West Coast can run you as much as 85,000 points each way. 

Factor in a 15% transfer bonus, and you can score a business class flight to Europe for just 53,000 Chase points. If you're planning to bring a friend, the deal gets even sweeter: Since you'd need a total of 120,000 Aeroplan points to book a pair of business class seats, you'd qualify for the bigger 20% bonus – just 100,000 Chase points in total! 

Just know: If you're looking to fly United to Europe with your Aeroplan points, it'll cost a bit more. Air Canada recently raised rates on United awards to 80,000 miles in business class, matching what United charges using its own MileagePlus miles. 

But with all of Air Canada's partner airlines, you've got tons of options to fly Swiss business class, Lufthansa business class, United Polaris (at a steeper cost), or even Turkish Airlines business class. This 20% bonus makes Aeroplan one of the best ways to book them all.

Got an *aeroplan card* in your wallet, too? It gets even better: So long as you transfer at least 50,000 Chase points, Aeroplan will tack on an extra 10% bonus for Aeroplan cardholders (a maximum of 25,000 bonus points each year). That means a 50,000-point transfer would net you a total of 62,500 Aeroplan points. If you transferred 175,000 points, you'd get a 35% boost and end up with 236,250 points. 

Check out this story for full details on this transfer bonus!

70% Bonus on Chase Transfers to IHG One Rewards

Chase is currently offering a 70% transfer bonus when moving Ultimate Rewards points to the IHG One Rewards program. It's easy to see a 70% bonus and get excited, but be warned that not all points are created equal and this is especially true with IHG.

This bonus ends on Jan. 15, 2026, giving travelers plenty of time to make use of it. 

Having said that, there are still plenty of situations where this can make good sense. Take the Kimpton Seafire Resort + Spa in Grand Cayman, for example. This hotel goes for a whopping $1,300-plus per night during peak season. 

If you instead booked this hotel with points, it would only cost 70,000 IHG points per night – just 42,000 Chase Ultimate Rewards with this bonus! If you've got an IHG co-branded credit card, it gets even better. By taking advantage of your card's fourth-night-free benefit, you could book a four-night stay here for only 210,000 IHG points – just 124,000 Ultimate Rewards with this 100% bonus. 

You'd still be on the hook for an $85 per night “amenity fee”, but considering the cash cost of this stay would be north of $5,000 per night, it's still an excellent use of Chase points. 

If you're not flush with Chase points (or prefer to save them), there is another option to consider: IHG frequently sells points with a 100% bonus. Since you can cash out credit card points from banks like Wells Fargo, Discover, and even Chase for one cent each, you'd be better off getting 2 IHG points per credit card point with one of these sales … albeit with an extra step in the process. 

If you have a particular hotel in mind, transferring Ultimate Rewards to IHG with a 70% bonus could be a solid choice. Just be sure to make your transfer before this bonus expires on Jan. 15, 2026!

Read more: When Does It Make Sense to Buy Hotel Points?

20% Bonus from Rove Miles to Finnair Plus

Never heard of Rove? You're not alone. This fast-growing rewards platform debuted earlier this year, allowing you to earn transferrable points when booking flights and hotels through its travel portal or shopping online.

Unlike traditional bank-backed programs, Rove isn’t tied to a credit card. It's an innovative program that offers a unique way to earn valuable points, which can be transferred to a dozen different airlines, such as Air France/KLM Flying Blue or Cathay Pacific, as well as one hotel chain, Accor.

If you're already familiar with Rove and have a stash of miles built up, you can stretch them even further with the current 20% transfer bonus to Finnair Plus. Best of all, this bonus runs through the end of the year so you have plenty of time to take advantage of it.

Even if you don't have time to build up a big stash of Rove miles, you can still use this bonus to stretch what few miles you have further – and then top off your account by transferring additional points to Avios from any of the other big banks. 

So what can you do with Finnair Avios? In two words: A lot. Finnair's adoption of Avios last year not only opens the door to freely transfer Avios to other airlines like British Airways, Qatar, and Iberia, it also makes booking Finnair's plush business class seats more affordable. 

Finnair charges just 62,500 Avios each way to fly lie-flat between the U.S. and Helsinki (HEL). Although you'll be hit a decent chunk of taxes – the same as you'd pay when booking with miles from other airlines like British Airways – this is still one of the best ways to book these seats, period. With the current transfer bonus, you'd only need 53,000 Rove miles to hitch a lie-flat ride across the Atlantic! 

You can even add a connection to another destination in northern Europe like anywhere else in Finland, Stockholm (ARN), Oslo (OSL), or Copenhagen (CPH) for the same rate. Same goes for many cities in Latvia, Lithuania, Estonia, and even Poland. 

The only trouble? Actually booking these seats is a chore for North American travelers. 

International airlines have been throttling business class award space for U.S.-based travelers lately, and Finnair might be one of the worst offenders. You can only book one seat in Finnair business class from the States … unless you set your location to “Finland” or another European country on Finnair's website.

This loophole is the only way to book for two passengers on the same flight using Avios. Use it while you can!

New to Rove? Get 500 bonus miles just for signing up with our referral link! 

Bottom Line

Transfer bonuses can be a great way to get more value from your points and help you realize your dream vacation even sooner. These bonuses are constantly coming and going, so it's important to stay up-to-date on the current promotions before moving your points to ensure you're not leaving any free points on the table.

But it's always best to keep your points flexible until you're ready to book. Due to constant loyalty program devaluations, transferring points without an immediate plan to use them will rarely be a good option.