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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.
Bank transfer bonuses are promotions offered by banks that allow you to transfer your credit card points to a travel partner and get an additional bonus. Typically, points transfer at a 1:1 ratio (with a few exceptions). However, with a transfer bonus, you get a certain percentage more.
For example, if you transfer 10,000 bank points to an airline or hotel during a 30% bonus, you would receive 13,000 airline or hotel points instead of the usual 10,000. This is a great way to stretch your hard-earned points even further.
If you’re not sure how to earn flexible points or transfer them from these banks to travel partners, check out this article.
Things to Consider Before Transferring
While transfer bonuses can offer great value, there are a few things to keep in mind before you jump in:
- Expiration dates: Once points are transferred to a loyalty program, they are subject to that program’s expiration rules. Make sure you have a plan for using your points before transferring them.
- Award space: Always check award availability before transferring your points because they cannot be moved back once they are transferred.
- Redemption value: Not all points and miles are created equal. Make sure that the transfer bonus provides a good value. For example, a 50% transfer bonus from Chase to Marriott sounds amazing, but Marriott award nights cost much more per night than Chase’s other partner, Hyatt (my favorite hotel program). So you’re actually not stretching your points further, even with the big bonus.
Here are the current transfer bonuses
Use this page to see the current transfer bonuses. Tap Calculate to see your exact numbers for each bonus, or scroll down to the calculator to see other transfer ratios.
Ratio looks wrong? Edit it
Always confirm award space and the current terms with your bank and the airline or hotel before you transfer. Transfers can't be reversed. Bonus points are usually rounded down, and many programs only transfer in set increments. Ratios and bonuses change often, and some cards earn a different rate, so double check the details before you move your points.
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.