Get more from your points with these 7 transfer bonuses — including new offers from Virgin Atlantic and Singapore Airlines

4d ago

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Editor’s note: This post has been updated with new information.


If you truly want to maximize your miles, periodic transfer bonuses can offer lucrative opportunities for fantastic points redemptions. You can sometimes get up to 50% more value from your points by transferring them to a specific airline or hotel partner during one of these bonuses.

To help make it easier for you to track these offers, we’ve compiled all of the current transfer bonuses for the major transferable rewards programs in this article. Let’s look at the offerings. Note that transfer bonuses are sometimes targeted, so not all bonuses may be available to you.

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In This Post

American Express Membership Rewards

Partner program Transfer bonus Transfer ratio End date Note
Virgin Atlantic Flying Club 30% 1,000 = 1,300 Dec. 31 Virgin points can be great for Delta-operated flights
Singapore Airlines KrisFlyer 20% 1,000 = 1,200 Unknown This offer is targeted.
Cathay Pacific Asia Miles 10%-20% 1,000 = up to 1,200 Unknown This offer is targeted.

Cards that earn Amex points

If you want to take advantage of future transfer bonus offers with American Express, you’ll need Membership Rewards points. And, if you’re looking to earn Membership Rewards points, the following Amex cards could be useful additions to your wallet:

Card Welcome bonus Bonus category earning rates Annual fee
The Platinum Card® from American Express 100,000 Membership Rewards Points after spending $6,000 on your new card in your first six months of card membership. Terms apply. 5x points on flights booked directly with airlines or with American Express Travel (earn 5x points on up to $500,000 on these purchases per calendar year)

10x points on eligible purchases on the card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during your first six months of card membership

5x points on prepaid hotels booked with American Express Travel

$695 (see rates & fees)
American Express® Gold Card 60,000 Membership Rewards points after you spend $4,000 in your first six months of card membership. Terms apply. 4x points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x) and on dining at restaurants

3x points on flights booked directly with airlines or through Amex Travel

$250 (see rates and fees)
The Business Platinum Card® from American Express Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your card within the first three months of card membership. Terms apply 5x points on flights and prepaid hotels booked through Amex Travel

1.5x points on eligible purchases in select business categories and eligible purchases of $5,000 or more; on up to $2 million of these purchases per calendar year (then 1x)

$595 ($695 if application is received on or after 01/13/2022, see rates and fees)

You may even be targeted for a higher welcome bonus (recently as high as 125,000 points) through the CardMatch tool. Keep in mind that CardMatch offers are subject to change at any time.

(Photo by Isabelle Raphael for The Points Guy)

Other ways to earn Amex points

You can also earn extra Membership Rewards when you enroll in Amex Offers and by shopping with Rakuten. You can even earn Amex points when buying or selling a home with RBN. Based on TPG valuations, Membership Rewards points are worth 2 cents each.

Most Membership Rewards transfer instantly to most programs.

Related: Redeeming American Express Membership Rewards points for maximum value

Chase Ultimate Rewards

Partner program Transfer bonus Transfer ratio End date Note
Marriott Bonvoy 50% 1,000 = 1,500 Dec. 24 Marriott will soon move to a fully dynamic award-pricing model.

Cards that earn Chase Ultimate Rewards

If you want to utilize future bonus offers with Chase, the following cards could make good additions to your wallet.

  • Chase Sapphire Reserve: 50,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Earn 3x points on travel and dining purchases.
  • Chase Sapphire Preferred Card: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Earn 3x points on dining purchases and select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs), 5x points on travel purchased through Chase Ultimate Rewards and 2x points on all other travel.
  • Ink Business Preferred Credit Card: 100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening. Earn 3x points on the first $150,000 spent in combined purchases in travel and select business categories each account anniversary year.

Other ways to earn Chase Ultimate Rewards points

However, if you have one (or more) of the above cards, you can combine your Ultimate Rewards points into a single account. Then, you can effectively convert the cash-back earnings on the following cards into fully transferable Ultimate Rewards points:

  • Chase Freedom Flex: $200 bonus after spending $500 on purchases in the first three months of account opening. Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year. Finally, earn 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and 3% at drugstores and 1% back on other eligible purchases.
  • Chase Freedom Unlimited: $200 bonus after spending $500 on purchases in the first three months of account opening. Plus, earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year. Earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% on dining, 3% at drugstores and 1.5% on other eligible purchases.
  • Ink Business Cash Credit Card: $750 bonus after spending $7,500 on purchases in the first three months of account opening. Earn 5% cash back on up to $25,000 in combined purchases at office supply stores and telecommunications providers each account anniversary year. And earn 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations each account anniversary year.
  • Ink Business Unlimited Credit Card: $750 bonus after spending $7,500 on purchases in the first three months of account opening. Earn 1.5% cash back on all other eligible purchases.

To truly maximize your earnings with Chase, consider making the Chase trifecta (or quartet) a part of your card strategy. According to TPG valuations, Chase Ultimate Rewards points are worth 2 cents each when maximized with travel partners. Most Ultimate Rewards transfers will process instantly.

Related: How to maximize your Chase Ultimate Rewards points

Capital One

Partner program Transfer bonus Transfer ratio End date Note
Air France-KLM Flying Blue 20% 1,000 = 1,200 Dec. 1 Flying Blue runs monthly Promo Rewards that offer discounted tickets on select routes.
Avianca LifeMiles 25% 1,000 = 1,250 Dec. 17 Great way to book domestic awards on United.

Note that the LifeMiles bonus is offered from Avianca, not Capital One. As a result, you won’t see it initially reflected during the transfer process, but it will post once completed.

How to earn Capital One miles

If you want to utilize a future transfer bonus offer, the following Capital One cards could make good additions to your wallet:

  • Capital One Venture X Rewards Credit Card: Earn 100,000 bonus miles after you spend $10,000 on purchases within the first six months from account opening. And for a limited time, cardholders can also get up to $200 in statement credits for vacation rental purchases like Airbnb and Vrbo charged to their account within the first year.
  • Capital One Venture Rewards Credit Card: Earn 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening. Earn 2x miles on every purchase.
  • Capital One Spark Miles for Business: Earn 50,000 bonus miles after spending $4,500 on purchases in the first three months of account opening. Earn 2x miles on every purchase.

TPG’s valuations peg the value of Capital One miles at 1.85 cents each. For more details, check out our guide to all of the Capital One transfer partners, as well as how to transfer Capital One miles to airline partners. Finally, note that most transfers from Capital One will process instantly.

Related: Best ways to maximize Capital One miles

Citi ThankYou Rewards

Partner program Transfer bonus Transfer ratio End date Note
Avianca LifeMiles 25% 1,000 = 1,250 Dec. 17 Great way to book domestic awards on United.

Note that the same note as above applies here. The LifeMiles bonus is offered from Avianca, not Citi. As a result, you won’t see it initially reflected during the transfer process, but it will post once completed.

How to earn Citi ThankYou points

If you don’t want to miss out on a future bonus offer, these Citi credit cards could make useful additions to your wallet:

Based on TPG’s valuations, Citi ThankYou points are worth about 1.7 cents each. However, note that some Citi transfers will not process instantly. So, be sure to factor in the transfer time if you’re trying to book an award with scarce availability.

Related: Is Citi ThankYou Rewards the most underappreciated and misunderstood program?

Marriott Bonvoy

Unfortunately, Marriott Bonvoy isn’t currently offering any special transfer bonuses. Of course, we’ll update this page if there’s a new transfer bonus.

Keep in mind, Marriott Bonvoy points convert to more than 40 airline partners at a 3:1 ratio. And, you’ll receive 5,000 bonus miles for every 60,000 points transferred. TPG’s valuations peg the value of Marriott Bonvoy points at 0.8 cents each.

How to earn Marriott Bonvoy points

If you’re looking to earn more Marriott Bonvoy points, the following Marriott Bonvoy cards may be of interest:

  • Marriott Bonvoy Brilliant™ American Express® Card: Earn 75,000 bonus points after you spend $3,000 in purchases within the first three months of card membership. Plus, earn up to $200 in statement credits for eligible purchases made on your new card at U.S. restaurants within the first six months of card membership. However, this card has an annual fee of $450 (see rates and fees). Terms apply.
  • Marriott Bonvoy Boundless Credit Card: Earn three free nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first three months from account opening. However, this card has a $95 annual fee.
  • Marriott Bonvoy Business™ American Express® Card: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new card to make $3,000 in purchases within the first three months. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card within the first three months of card membership. Terms apply. This card has an annual fee of $125 (see rates and fees).
  • Marriott Bonvoy Bold Credit Card: Earn 30,000 bonus points after you spend $1,000 on purchases in the first three months from account opening. Earn up to 14x points at hotels participating in the Marriott Bonvoy program, 2x points on other travel purchases and 1x points on everything else. This card has no annual fee.

Be sure to review our tests of Marriott transfer times. After all, some airlines take a few days (or even weeks) to receive the miles.

Related: How to redeem points with the Marriott Bonvoy program

Should you transfer points now?

We only recommend transferring points if you have a short-term plan to use them. With the travel industry turning to rewards programs to drum up cash, promotions like these could spell out devaluations in the future. Transfers are irreversible, so you don’t want to be stuck with thousands of points in a program you have little use for.

If you don’t have a specific redemption in mind but still want to earn miles, you’re likely better off earning points and miles through credit card welcome bonuses and everyday spending.

Related: Why I’m breaking my own rule and transferring Citi points to American Airlines without a specific use in mind

Bottom line

When a transferable currency program offers a transfer bonus, it’s important to run the numbers to see whether the bonus is worthwhile. Generally, you won’t want to transfer your points without a specific redemption in mind. After all, transferable points are usually more valuable when they remain transferable. If you use the program frequently or plan to make a redemption soon, utilizing a transfer bonus can help you get more value from your points.

Did we miss any? Feel free to let us know by emailing tips@thepointsguy.com.

For rates and fees of the Amex Platinum Card, please click here.
For rates and fees of the Amex Gold Card, please click here.
For rates and fees of the Amex Business Platinum Card, please click here.
For rates and fees of the Marriott Bonvoy Brilliant Card, please click here.
For rates and fees of the Marriott Bonvoy Business Card, please click here.

Additional reporting by Katie Genter, Joseph Hostetler, Summer Hull, Liz Hund and Jason Stauffer.

Featured photo by Emily McNutt/The Points Guy.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.