transfer bonuses explained

Transfer bonuses are one of the most overlooked tools in points travel — and one of the easiest ways to stretch the miles you already have. When a bank runs a transfer bonus, they’re giving you extra miles just for moving your points to a travel partner. Instead of the usual 1:1 rate, you might get 20%, 30%, or even 70% more — before you book a single thing.
But here’s what most people miss: a transfer bonus only has value if you know exactly what you’re redeeming for. In this guide, I break down how transfer bonuses work, how to evaluate whether one is actually worth acting on, and the sweet spots worth targeting with each current offer. Whether you’re chasing a business class seat or a free hotel night, this is the strategy behind making your points go further.
Updated regularly. Always free to read.