[Updated] Ultimate Guide To Bank Points Transfers; Including All Current Bonuses And Transfer Times!

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Current transfer bonuses include:

1. 25% from Chase to Flying Blue through 4/30. Read more here.
2. 30% from Capital One to Virgin Atlantic through 4/30. Read more here.
3. 50% from Citi to Accor through 5/11. Read more here.
4. 30% from AMEX to Virgin Atlantic through 5/31. Read more here.

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.

• Chase Sapphire Preferred® Card has a 60K signup bonus for spending $4K in 3 months, earns 2.1 points per dollar on travel after the card's annual bonus, 3.1 points per dollar on dining, streaming, and online groceries after the card's annual bonus, 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 for spending $4K in 3 months, 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 ($550 annual fee with $300 travel credit). Read more here.
• Ink Business Preferred® Credit Card has a 100K signup bonus for spending $8K in 3 months, and earns 3 points per dollar on up to $150K of annual spending 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 ($95 annual fee). Read more here.

• Ink Business Cash® Credit Card has a 35K signup bonus for spending $3K in 3 months and another 40K signup bonus points for spending another $3K in 6 months for a total of 75,000 Chase Ultimate points, plus if you have a Chase business checking account open on the card's first anniversary you will get a 10% points bonus on all earnings from card spending, this card earns 5 points per dollar on cable, TV, telecom, cellular, and office supply stores, plus 2 points per dollar on dining and gas ($0 annual fee). Read more here.
• Ink Business Unlimited® Credit Card has a 75K signup bonus for spending $6K in 3 months, 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 Chase Travel, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
• Chase Freedom Unlimited® has a signup bonus that earns an extra 1.5% cash back in the form of 1.5 points per dollar everywhere on up to $20K of spending during your first year, on top of at least 1.5 points per dollar everywhere, 5 points per dollar (marketed as 5% cash back) on travel purchased through Chase Travel, 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 Blue Business Plus is offering a rare 15K bonus for spending $3,000 in 3 months and offers 2 points per dollar spent on up to $50K spending annually, plus transfer points to airlines and hotels and keep AMEX points alive.  Read more here.
• AMEX Platinum Business is offering a 120K bonus for spending $15,000 in 3 months and offers over $1,000 in annual credits, lounge access, and much more. Read more here.
• AMEX Gold Business Card is offering a 70K bonus for spending $10,000 in 3 months and offers up to $240 in annual business credits, Walmart+ membership, up to 4 points per dollar spent, and more benefits. Read more here.
• The Platinum Card® from American Express is offering a 80K bonus for spending $8,000 in 6 months and offers over $1,000 in annual credits, lounge access, and much more. Read more here.
• American Express® Gold Card is offering a 60K bonus for spending $6,000 in 6 months and offers up to $240 in annual credits. Read more here. 
• AMEX Green Consumer Card is offering a 40K bonus for spending $3,000 in 6 months and offers up to $189 in annual CLEAR Plus® credits, $100 LoungeBuddy credit, plus transfer points to airlines and hotels and keep AMEX points alive.
• AMEX Everyday Preferred Consumer Card is offering a 15K bonus for spending $2,000 in 6 months and offers 4.5 points per dollar on up to $6K in annual groceries when you use card 30 times that month, plus transfer points to airlines and hotels and keep AMEX points alive.
• AMEX Everyday Consumer Card is offering a 10K bonus for spending $2,000 in 6 months and offers 2.4 points per dollar on up to $6K in annual groceries when you use card 20 times that month, plus transfer points to airlines and hotels and keep AMEX points alive. All information about the AMEX Green, AMEX Everyday Preferred, AMEX Everyday has been collected independently by DansDeals.

Capital One transfer partners include:

Some of my favorite Capital One transfer partners include Turkish, which charges 10K miles in coach or 15K miles in business for a United domestic flight (including Hawaii!), 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 Venture X Rewards Credit Card is offering 75,000 bonus miles for spending $4K 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, Hertz President's Circle status, free lounge access and status for free additional cardholders, transfer points to airlines and hotels, 5K MLB redemptions, and more. $395 annual fee. Read more here.
• Capital One Venture X Business is offering 150,000 bonus miles for spending $30K 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, transfer points to airlines and hotels, 5K MLB redemptions, and more. $395 annual fee. Read more here.
• Capital One Venture Rewards Credit Card is offering 75,000 bonus miles for spending $4K in 3 months, plus 2 miles per dollar spent, transfer points to airlines and hotels, 5K MLB redemptions, and more. $95 annual fee. Read more here. 
• Capital One VentureOne Rewards Credit Card is offering 20,000 bonus miles for spending $500 in 3 months, transfer points to airlines and hotels, 5K MLB redemptions, and more. No annual fee.
• Capital One Spark Miles for Business is offering 50,000 bonus miles for spending $4,500 in 3 months, 2 miles per dollar spent, Global Entry/PreCheck, transfer points to airlines and hotels, 5K MLB redemptions, and more. $0 intro annual fee for the first year, then $95.
• Capital One Spark Cash Plus is offering $1,200 cash back (convetible to 120,000 miles) for spending $30,000 in 3 months, 2% back everywhere, $40 MLB redemptions, annual fee refund when you spend $150K/year, and more. $150 annual fee.

Citi ThankYou transfer partners include:

Some of my favorite Citi transfer partners include include Turkish, which charges 10K miles in coach or 15K miles in business for a United domestic flight (including Hawaii!), 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.

You can now also transfer points to the Leaders Club for a value of 1.6 cents per Citi point at luxury hotels around the world.

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

• The Citi Double Cash® Card offering a rare 20K bonus for spending $1,500 in 6 months, and offers 2% cash back or 2 ThankYou points per dollar spent everywhere. If you also have a Citi Premier® Card Card you can transfer points into miles. No annual fee. Read more here.
• The Citi Custom Cash® Card offering 20K signup bonus for spending $1,500 in 6 months, 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 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?