Credit card transfer bonuses (November): 40% bonus to Virgin Atlantic, 70% bonus to Marriott Bonvoy and more
In the world of travel rewards, transfer bonuses present a unique opportunity for savvy travelers to maximize their points and miles. These limited-time offers allow you to transfer your rewards from one program to another at a more favorable rate, often resulting in significant savings on award redemptions. For instance, American Express Membership Rewards is currently offering a 30% bonus on transfers to Marriott Bonvoy, meaning that for every 1,000 points transferred, you receive 1,300 Marriott points. Similarly, Chase Ultimate Rewards is enticing users with a remarkable 70% bonus for transfers to Marriott Bonvoy, and a 40% bonus to Virgin Atlantic’s Flying Club until November 20. These bonuses can dramatically enhance the value of your rewards, making it easier to book that dream vacation or upgrade your travel experience.
However, it’s essential to act quickly as these bonuses are time-sensitive and may not be available to everyone. For example, Capital One is providing a 20% bonus on transfers to British Airways Club until November 21, allowing travelers to leverage their miles for economical flights to Europe. With the right strategy, a mere 27,000 Capital One miles could secure a round-trip economy flight to Spain. Yet, travelers must exercise caution; transfers are irreversible, and it’s crucial to verify award availability before making a move. Each program has its own nuances, with varying values for points and miles, so understanding these dynamics is key to optimizing your rewards.
In summary, while transfer bonuses can significantly enhance your travel rewards, they should be approached with a strategic mindset. It’s advisable to have a specific redemption in mind before transferring points, as the flexibility of transferable currencies is one of their greatest assets. If you’re looking to earn more points, consider credit cards that offer substantial welcome bonuses, such as the American Express Gold Card or the Chase Sapphire Preferred Card. Ultimately, the right combination of timing, knowledge, and planning can lead to unforgettable travel experiences at a fraction of the cost.
Transfer bonuses
can offer lucrative opportunities to maximize your points and miles and work your way toward fantastic award redemptions. You can sometimes get significantly more value from your rewards by
transferring them to an airline or hotel partner
during one of these bonus periods.
Remember, though, that these are limited-time offers, so you’ll need to act fast if you find one that suits your travel plans.
We’ve compiled transfer bonus updates for most major programs with
transferable rewards
to make tracking these offers easier. Just note that transfer bonuses are sometimes targeted, so some may not be available.
Active credit card transfer bonuses
We’re currently seeing transfer bonuses from:
Transfer from
Transfer to
Bonus details
End date
Transfer ratio
American Express Membership Rewards
Marriott Bonvoy
30%
Nov. 30
1,000 points equals 1,300 points
American Express Membership Rewards
Avianca LifeMiles
15%
Nov. 30
1,000 points equals 1,150 miles
Capital One miles
British Airways Club
20%
Nov. 21
1,000 miles equals 1,200 Avios
Chase Ultimate Rewards
Virgin Atlantic Flying Club
40%
Nov. 20 (reducing to 30% from Nov. 21 to Dec. 5)
1,000 points equals 1,400 points
Chase Ultimate Rewards
Marriott Bonvoy
70%
Nov. 30
1,000 points equals 1,700 points
Rove Miles
Finnair Plus
20%
Dec. 31
1,000 miles equals 1,200 Avios
American Express Membership Rewards transfer bonuses
American Express Membership Rewards
is currently offering two transfer bonuses. Through Nov. 30, you can transfer your Amex points to the
Avianca LifeMiles
program with a 15% bonus — which means that for every 1,000 points you transfer, you’ll receive 1,150 Avianca LifeMiles.
Amex is also offering a 30%
Marriott Bonvoy
transfer bonus, which means for every 1,000 points you transfer to the hotel program, you’ll get 1,300 Marriott points. Since TPG values Amex points at 2 cents each and Marriott points at 0.7 cents per point, according to our November 2025
valuations
, it’s unlikely that you’d be maximizing your transferable reward points with this transfer bonus.
However, if you need to top off your Marriott account to book a free night or have a large number of Amex points, this could be a good transfer bonus option for you.
How to earn American Express Membership Rewards points
If you’re looking to earn more of these valuable points, the following
American Express cards
could prove useful additions to your wallet:
American Express® Gold Card
: Find out your offer and see if you are eligible for as high as 100,000 Membership Rewards points after spending $6,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
American Express Platinum Card®
: Find out your offer and see if you are eligible for as high as 175,000 Membership Rewards points after spending $8,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Related:
How to redeem American Express Membership Rewards points for maximum value
Capital One transfer bonus
Capital One
is offering a 20% transfer bonus to
British Airways Club
until Nov. 21. This 20% bonus means that 1,000
Capital One miles
equate to 1,200 British Airways Club Avios.
Note that you can
transfer Avios between accounts
at a 1:1 ratio. Therefore, if you transfer Capital One miles to your British Airways Club account, you can then transfer some or all of your Avios to your Iberia Club account or even your
Qatar Airways Privilege Club
account, both of which also use Avios.
Since you can fly economy from select U.S. cities to Adolfo Suárez Madrid-Barajas Airport (MAD) starting at 16,000 Avios (off-peak rate) when
booking through Iberia Club
, you could potentially book a round-trip European vacation to Spain by transferring just 27,000 Capital One miles. For round-trip business-class flights, rates start at 81,000 Avios — or just 68,000 Capital One miles if you take advantage of this transfer bonus.
As always, transfers are irreversible, so it’s imperative you find award availability before transferring your miles.
How to earn Capital One miles
If you’re looking to earn more transferable miles, the following
Capital One cards
are solid options to consider:
Capital One Spark Miles for Business
: Earn 50,000 bonus miles after spending $4,500 on purchases in the first three months from account opening.
Capital One Venture Rewards Credit Card
: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Capital One Venture X Rewards Credit Card
: Earn 100,000 bonus miles after spending $10,000 on purchases in the first six months from account opening.
TPG’s November 2025
valuations
value Capital One miles at 1.85 cents each, and most
transfers from Capital One
will process instantly. For more details, read our guides to
Capital One transfer partners
and
how to transfer Capital One miles
.
Related:
Should you transfer Capital One miles to partners or redeem directly for travel?
Chase Ultimate Rewards transfer bonus
Chase is currently offering a 40% bonus to
Virgin Atlantic’s Flying Club program
until Nov. 20. The bonus then drops to 30% for transfers from Nov. 21 to Dec. 5.
Virgin Atlantic Flying Club can offer terrific value for
Saver awards
on off-peak dates between the U.S. and the U.K., starting at the following one-way rates:
Economy: 6,000 points
Premium economy: 10,500 points
Upper Class: 29,000 points
This means with Chase’s 40% transfer bonus until Nov. 20, you’d only need to transfer the following
Chase Ultimate Rewards
points amounts to Virgin’s Flying Club program:
Economy: 5,000 points
Premium economy: 8,000 points
Upper Class: 21,000 points
Be aware that Flying Club does charge taxes, fees and surcharges on Saver redemptions.
From now through Nov. 30, Chase is offering a 70% transfer bonus to Marriott Bonvoy. Since Chase points transfer at a rate of 1:1, 1,000 Utimate Rewards points equals 1,700 Marriott Bonvoy points. But, is this a good deal?
Since TPG values Chase points at 2.05 cents apiece and Marriott points at 0.7 cents point per our November 2025 valuations, transferring your points to the hotel program will not help you maximize your transferable rewards. Instead, if you have access to
Chase’s Points Boost
, you could possibly book a Marriott stay through the
Chase Travel℠ portal
and get up to 2 cents per point in value.
However, if you need to top off your Marriott Bonvoy account to book a hotel stay, utilizing this transfer bonus could be a good option.
Related:
Combining a transfer bonus and Virgin’s Saver fares: How I booked lie-flat business-class seats to London for just 21,000 points
How to earn Chase Ultimate Rewards points
If you want to earn more Chase Ultimate Rewards points, the following
Chase cards
could make good additions to your wallet:
Chase Sapphire Preferred® Card
(see
rates and fees
): Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Chase Sapphire Reserve®
(see
rates and fees
): Earn 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
Ink Business Preferred® Credit Card
: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
According to TPG’s November 2025
valuations
, Chase Ultimate Rewards points are worth 2.05 cents each when maximized with
travel partners
. Most
Ultimate Rewards points transfers
will process instantly.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related:
Chase Ultimate Rewards points: How to redeem for maximum value
Citi ThankYou Rewards transfer bonus
Citi ThankYou Rewards
is not currently offering any transfers.
It’s important to note for the next time Citi offers a transfer bonus that you’ll only unlock the bonus in its entirety if you hold the
Citi Strata Elite℠ Card
(see
rates and fees
), the
Citi Strata Premier® Card
(see
rates and fees
) or the
Citi Prestige® Card
(no longer available to new applicants). Other Citi cards do not unlock the full 1:1 transfer ratio, so the transfers aren’t as valuable.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How to earn Citi ThankYou Rewards points
To earn more ThankYou Rewards points, consider these
Citi credit cards
:
Citi Strata Elite Card
: For a limited time, earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
Citi Strata Premier Card
: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
TPG values Citi ThankYou Rewards points at 1.9 cents each, per our November 2025
valuations
, and most transfers happen instantly.
Related:
Citi ThankYou Rewards transfer partners: Redeem your points with airlines and hotels
Marriott Bonvoy transfer bonus
Although you can
transfer Marriott Bonvoy points to various airlines
, the program does not currently offer any transfer bonuses from Marriott Bonvoy to airline partners.
How to earn Marriott Bonvoy points
If you’re looking to
earn Marriott Bonvoy points
, the following
Marriott cards
may be of interest:
Marriott Bonvoy Bold® Credit Card
(see
rates and fees
): Earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
Marriott Bonvoy Boundless® Credit Card
(see
rates and fees
): Earn three free night awards (valued at up to 50,000 points each) after spending $3,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Marriott Bonvoy Brilliant® American Express® Card
: Earn 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership.
Marriott Bonvoy Business® American Express® Card
: Earn up to 125,000 bonus points: 75,000 bonus points after spending $6,000 on purchases in the first six months of card membership and an additional 50,000 bonus points after spending an additional $3,000 in the first six months of card membership.
According to TPG’s November 2025
valuations
, Marriott Bonvoy points are worth 0.7 cents each. Some airlines take a few days (or even weeks) to receive the points.
Related:
How to redeem Marriott Bonvoy points for maximum value
Rove Miles
We’re excited about the
new “no credit card required” rewards program, Rove Miles
. You can book hotels and flights and shop online through the Rove Miles portal, earning incredible amounts of transferable miles, such as up to 54 miles per dollar spent on hotels.
Rove Miles is rapidly adding transfer partners, including
Lufthansa Miles & More
, a program that has traditionally been difficult to earn miles in. This opens up the ability to book
Lufthansa’s incredible first-class product
in advance with miles.
The new program is already offering a 20% transfer bonus to
Finnair Plus
until Dec. 31. Remember, you can transfer Avios between accounts at a 1:1 ratio in any direction as many times as you like at no cost, so Rove Miles is essentially a 1:1 transfer partner of British Airways Club, Qatar Airways Privilege Club and more, even before factoring in the 20% transfer bonus offered right now.
If you don’t have any Rove Miles, you can earn 1,000 miles at no cost right now
just by signing up through TPG’s exclusive offer
.
Should you transfer points and miles?
We only recommend transferring points or miles if you have a short-term plan to use them. Transfers are irreversible, and you don’t want to be stuck with thousands of points or miles in a program you have little use for.
If you don’t have a specific redemption in mind but still want to earn points or miles, you’re likely better off earning rewards through
card welcome bonuses
and everyday spending.
We always recommend verifying award availability before transferring your rewards.
Bottom line
When a program with a transferable currency offers a transfer bonus, it’s important to run the numbers to determine whether it is worthwhile.
Generally, you won’t want to transfer your points or miles without a specific redemption in mind. After all, a large part of the value of transferable points and miles comes from their flexibility, which you’ll give up when you convert them to a partner’s currency. However, a transfer bonus can help you get more value from your points and miles if you frequently use a partner program or plan to redeem them soon.
Related:
The best time to book flights for the cheapest airfare
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
