[AMEX And Chase Transfer Bonuses Ending Today] Ultimate Guide To Bank Points Transfers; Including All Current Bonuses And Transfer Times!

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Update, 9/22: The AMEX-Flying Blue and Chase-Avios bonuses end today. If you aren’t able to transfer AMEX points to Flying Blue online, you can call AMEX to make that transfer.

Update, 9/18: AMEX transfers to Air Canada Aeroplan are available once again, they have been temporarily unavailable since last week.

Current transfer bonuses include:

1. 25% from AMEX to Flying Blue through 9/22. Read more.
2. 30% from Chase to BA, Aer Lingus, or Iberia Avios through 9/22. Read more.
   • You can also transfer from British Airways to Qatar at a 1:1 ratio.
3. 50% from Chase to Marriott through 9/30. Read more.
4. 15% from Capital One to Lifemiles through 9/30. Read more about Lifemiles here.
5. 30% from Citi to Virgin Atlantic through 10/14. Read more.

All current transfer bonuses are updated below. Read the post below for more information on bank transfers.

One of the most common questions we get is where can I use my points and how long does a points transfer take. Below you can find charts answering those questions for the four major US credit card banks!

These charts should also guide you for which credit cards you will want to signup for and spend on, as that will depend on where you want to transfer those points to.

You can also read this post that breaks down the expiration policies and more of each program.

Note that transfer times below are typical, but timeframes can always vary, especially for new accounts.

Chase Ultimate Rewards transfer partners include:

Some of my favorite Chase transfer partners include United, which never charges fuel surcharges for any awards and has free award changes and redeposits, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, British Airways, which charges low rates for short-haul flights such as on their US partner American, Flying Blue, which has great rates for travel to Europe, Southwest, which allows you to cancel awards without penalty, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Hyatt, which has by far and away the most valuable hotel points.

If you, a member in your household, or an authorized user has one of the following Chase cards, you can transfer points into miles:

• Chase Sapphire Preferred has a 60K signup bonus, earns an effective 2.1 points per dollar on travel, 3.1 points per dollar on dining, streaming, and online groceries, has a $50 hotel credit, can transfer all Chase points into miles, and points are worth at least 1.25 cents each for paid travel ($95 annual fee). Read more here.
• Chase Sapphire Reserve has a 60K signup bonus, earns 3 points per dollar on dining/travel, has a $300 travel credit, can transfer all Chase points into miles, and points are worth at least 1.5 cents each for paid travel or pay yourself back categories ($550 annual fee with $300 travel credit). Read more here.
• Chase Ink Preferred has a 100K signup bonus and earns 3 points per dollar on shipping, advertising, and travel, can transfer all Chase points into miles, and points are worth at least 1.25 cents each for paid travel or pay yourself back categories ($95 annual fee). Read more here.

Chase no-annual fee cards that are fantastic for earning points, but require one of the cards above for points transfers include:

• Chase Ink Cash has a 75K signup bonus and earns 5 points per dollar on cable, TV, telecom, cellular, office supply stores, and gift cards from office supply stores, plus 2 points per dollar on dining and gas ($0 annual fee). Read more here.
• Chase Ink Unlimited has a 75K signup bonus and earns 1.5 points per dollar everywhere ($0 annual fee). Read more here.
• Chase Freedom Flex has a 20K signup bonus, plus 5 points on rotating categories, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
• Chase Freedom Unlimited has a signup bonus offering 3 points per dollar on up to $20K of spending in your first 12 month, afterwards earn at least 1.5 points per dollar everywhere, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.

AMEX transfer partners include:

Some of my favorite AMEX transfer partners include Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Delta, which has flash sales for discounted, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Qantas, which has the lowest priced award travel on their partner El Al, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, British Airways, which charges low rates for short-haul flights such as on their US partner American, Flying Blue, which has great rates for travel to Europe, ANA, which has a unique round-the-world award chart and inexpensive business class awards with no surcharges on their partner United, and Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel.

Unfortunately AMEX charges a fee to transfer points to US airlines. That adds 60 cents for every 1,000 points transferred with a maximum fee of $99 per transaction.

AMEX cards with transferable Membership Rewards points include:

• AMEX Blue Business Plus
• AMEX Platinum Business
• AMEX Gold Business Card
• AMEX Platinum Consumer Card
• AMEX Gold Consumer Card
• AMEX Green Consumer Card
• AMEX Everyday Preferred Consumer Card
• AMEX Everyday Consumer Card

Capital One transfer partners include:

Some of my favorite Capital One transfer partners include Turkish, which charges a mere 7.5K miles in coach or 12.5K miles in business for a United domestic flight (including Hawaii!) and 32K miles in coach of 47K miles in business for a United flight to Israel, Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Flying Blue, which has great rates for travel to Europe, Qantas, which has the lowest priced award travel on their partner El Al, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Wyndham, which can book villas for just 15K points per bedroom per night.

Capital One cards with transferable points include:

• Capital One Venture X Card: Earn 75,000 bonus miles for spending $4,000 in 3 months, plus earn 2 miles per dollar spent, $300 annual travel credit, 10K anniversary bonus miles, Global Entry/Pre-Check, Capital One lounge access, Priority Pass Lounge membership, and more. Read more here.
• Capital One Venture X Business Card: Earn 150,000 bonus miles for spending $30,000 in 3 months, plus earn 2 miles per dollar spent, $300 annual travel credit, 10K anniversary bonus miles, Global Entry/Pre-Check, Capital One lounge access, enhanced Priority Pass Lounge membership, and more. Read more here.
• Capital One Venture: Earn 75,000 bonus miles for spending $4,000 in 3 months, plus 2 miles per dollar spent. Read more here.
• Capital One Spark Miles: Earn 50,000 bonus miles, plus 2 miles per dollar spent.
• Capital One Spark Cash Plus Card: Earn up to 100,000 bonus miles, plus 2 miles per dollar spent, convertible into transferrable miles with any of the 3 cards above. Read more here.

Citi ThankYou transfer partners include:

Some of my favorite Citi transfer partners include include Turkish, which charges a mere 7.5K miles in coach or 12.5K miles in business for a United domestic flight (including Hawaii!) and 32K miles in coach of 47K miles in business for a United flight to Israel, Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Qantas, which has the lowest priced award travel on their partner El Al, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, Flying Blue, which has great rates for travel to Israel (including nonstop flights on partner Delta) as they consider it to be part of Europe, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Wyndham, which can book villas for just 15K points per bedroom per night.

If you or a friend has one of the following Citi cards, you can transfer points into miles:

• Citi Premier has a 60,000 point bonus for spending $4,000 in 3 months, 3 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining. $95 annual fee. Read more here.

Citi no-annual fee cards that are fantastic for earning points, but require one of the cards above for points transfers include:

• The Citi Double Cash card offers 2% cash back or 2 points per dollar spent everywhere that can be transferred into ThankYou points. If you also have a Citi Premier Card you can transfer points into miles. No annual fee. Read more here.
• The Citi Custom Cash Card offers 5 points per dollar on up to $500 in purchases in your top eligible spending category each billing cycle. This is marketed as 5% cash back, but will actually come in the form of 5 ThankYou points per dollar spent! Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. You will also get 0% APR on purchases and balance transfers for 15 months. No annual fee. Read more here.
• The Citi Rewards+ Card offering 20,000 points for spending $1,500 in 3 months. This card can’t transfer points on its own, but can transfer points if you have one of the Citi cards above. This card automatically rounds up rewards earned on every purchase to the nearest 10 points, meaning you earn 10 points on a $0.50 Amazon balance reload. Earn 2 points on $6K in annual spending at supermarkets, and a 10% points rebate when you redeem points, up to a 10K points rebate per year. If you also have a Citi Premier Card you can transfer points into miles and get a 10% points rebate on transferred or redeemed miles. No annual fee. Read more here.

Which miles do you find most valuable?