Unlocking the full potential of your points often comes down to smart timing, and transfer bonuses are one of the most powerful tools in your arsenal.

Several major credit card issuers like American Express, Chase, Capital One, and Citi regularly offer these bonuses, allowing you to stretch your points further by transferring them to airline or hotel loyalty programs at a higher rate.

These promotions can significantly boost your redemption value, turning a standard trip into a luxury experience or reducing the number of points needed for your next flight or hotel stay.

However, these offers are often only available for a limited time.

Note: Transfer bonuses are sometimes targeted and may not be available to you.

American Express Membership Rewards Transfer Bonuses

The American Express Membership Rewards program is one of the most versatile and valuable points systems available, offering a wide range of earning and redemption opportunities.

Cardholders can accumulate points through everyday spending and then redeem them in various ways, such as travel bookings, merchandise, gift cards, and more.

One of the standout features of the program is its ability to transfer points to over 20 airline and hotel partners, making it a popular choice for frequent travelers who want to maximize the value of their rewards. Amex also provides a travel portal where points can be used directly for flights, hotels, and other travel-related purchases.

While points can be redeemed for non-travel options like statement credits, the highest value typically comes from using them for flights or hotel stays, especially when leveraging transfer partners.

Here is a list of the current transfer bonus(es):

• 20% to Air France-KLM Flying Blue (ends October 31st, 2025)
• 20% to Marriott Bonvoy (ends November 30th, 2025)

How To Earn American Express Membership Rewards

You can earn American Express Membership Rewards points by spending in key bonus categories, through welcome offers, and referrals with various Amex cards such as:

• American Express® Gold Card
• The Platinum Card® from American Express
• American Express® Green Card
• The Business Platinum Card® from American Express
• American Express® Business Gold Card
• American Express® Business Green Card

Capital One Miles Transfer Bonuses

The Capital One Miles program is a straightforward yet highly rewarding option for travelers looking to earn and redeem points with ease.

Cardholders can accumulate miles on everyday purchases, which can be redeemed for a variety of travel-related expenses like flights, hotels, rental cars, and more.

One of the key benefits of the program is its simplicity – miles can be redeemed directly for travel purchases at a fixed value through the Capital One travel portal, or as a statement credit to cover recent travel expenses.

In addition to its ease of use, Capital One Miles also offers great value through transfer partners. The program allows you to transfer miles to a growing list of airline and hotel partners, offering more opportunities to unlock premium travel experiences, including business or first-class flights.

This flexibility makes it easy to find high-value redemptions, especially for those willing to explore partner transfer options.

Here is a list of the current transfer bonus(es):

• 30% to Japan Airlines Mileage Bank (ends October 22nd, 2025)

How To Earn Capital One Miles

You can earn Capital One Miles through everyday spending, sign-up bonuses, and bonus category purchases like dining and travel with eligible cards such as:

• Capital One Venture X Rewards Credit Card
• Capital One Venture Rewards Credit Card
• Capital One VentureOne Rewards Credit Card
• Capital One Venture X Business

Chase Ultimate Rewards Transfer Bonuses

The Chase Ultimate Rewards program is widely regarded as one of the most valuable and flexible points systems for travelers.

Cardholders can earn points on everyday spending and have multiple ways to redeem them, from booking travel directly through the Chase travel portal to cashing in points for gift cards, statement credits, or even experiences. What makes Chase Ultimate Rewards especially attractive is its combination of ease of use and high potential value.

One of the standout features of the program is its transfer partners, which include a variety of airlines and hotel chains. By transferring points to these partners, travelers can often unlock outsized value, particularly when booking flights or hotels in premium classes or locations.

For those who prefer simplicity, the Chase travel portal offers a quick way to book travel using points at a fixed value, with some cards offering additional value on portal redemptions.

Here is a list of the current transfer bonus(es):

• 80% to IHG One Rewards (ends October 22nd, 2025)
• 30% to British Airways Executive Club (ends October 31st, 2025)
• 30% to Iberia Plus (ends October 31st, 2025)
• 30% to Aer Lingus AerClub (ends October 31st, 2025)

How To Earn Chase Ultimate Rewards

You can earn Chase Ultimate Rewards points through spending in key bonus categories, sign-up bonuses, and referral offers with eligible Chase cards such as:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Chase Freedom Flex℠
• Chase Freedom Unlimited®
• Ink Business Preferred® Credit Card
• Ink Business Cash Credit Card
• Ink Business Unlimited® Credit Card

Citi ThankYou Rewards Transfer Bonuses

The Citi ThankYou Rewards program offers a versatile and rewarding way to earn and redeem points for a variety of uses, particularly travel.

Cardholders can earn points on everyday purchases and then redeem them for options like travel bookings, gift cards, statement credits, or even merchandise.

One of the standout features of the program is its flexibility, allowing users to tailor their redemptions to suit their needs.

A key highlight of Citi ThankYou Rewards is its transfer partners, which include a range of airlines and hotel programs. By transferring points to these partners, cardholders can often unlock greater value, particularly for international travel or premium flight bookings.

Additionally, the Citi travel portal offers a convenient way to use points directly for travel purchases, making it easy for those who prefer a more straightforward redemption process.

Here is a list of the current transfer bonus(es):

• 40% to Qatar Airways Privilege Club (ends October 15th, 2025)
• 50% to Turkish Airlines Miles&Smiles (ends October 18th, 2025)
• 30% to Virgin Atlantic Flying Club (ends October 18th, 2025)
• 25% to Avianca lifemiles (ends October 18th, 2025)

How To Earn Citi ThankYou Rewards

You can earn Citi ThankYou Rewards points through spending in bonus categories, sign-up bonuses, and referral offers with eligible Citi cards such as:

• Citi Strata Elite℠ Card
• Citi Strata Premier℠ Card
• Citi Strata℠ Card
• Citi Double Cash® Card
• Citi Custom Cash® Card

Wells Fargo Rewards Transfer Bonuses

The Wells Fargo Rewards program provides a simple and accessible way for cardholders to earn points on everyday spending, with a variety of redemption options available.

Points can be used for travel, gift cards, merchandise, or even cash back, offering flexibility for different types of rewards seekers.

One of the key strengths of the program is its ease of use, with straightforward redemption options that make it easy to apply points to your daily life or upcoming trips.

For travelers, Wells Fargo Rewards includes the ability to book flights, hotels, and other travel services through the Wells Fargo travel portal, where points can be redeemed at a fixed value.

While Wells Fargo Rewards does not offer as many airline and hotel transfer partners as some other programs, it still provides solid value for those who prefer simplicity and convenience when redeeming their points.

Here is a list of the current transfer bonus(es):

• No current transfer bonuses

How To Earn Wells Fargo Rewards

You can earn Wells Fargo Rewards points through everyday purchases, sign-up bonuses, and bonus categories like gas, groceries, and dining with eligible Wells Fargo cards such as:

• Wells Fargo Autograph℠ Card
• Wells Fargo Autograph℠ Journey Card

Final Thoughts

Transfer bonuses from major credit card issuers like American Express, Chase, Capital One, Citi, and Wells Fargo offer an incredible opportunity to get extra value from your points, especially when redeeming for flights or hotel stays.

By keeping an eye on these promotions and pairing them with the right cards, you can turn your everyday spending into memorable travel experiences.

Many transfer bonuses follow seasonal patterns or align with travel trends, so tracking past promotions can help you predict when the next big bonus might drop.

Whether you are looking for luxury travel or just a great deal, leveraging these bonuses can help you maximize your rewards and travel further for less.

To learn more about these bonuses – and to stay up to date with the latest one – Join Our Free Community full of travel enthusiasts that come across great deals like these each day.

Kevin Zanes