Credit card transfer bonuses are promotions that incentivize you to convert your bank points into airline miles and hotel points. These promotions can help you squeeze considerably more travel out of your credit card rewards.
You’ll typically receive between 15% and 40% more rewards than usual during a transfer bonus. For example, Capital One miles normally transfer to Avianca LifeMiles at a 1:1 ratio — but during a 20% transfer bonus, the conversion rate improves to 1:1.2. That means you’ll get 1,200 Avianca LifeMiles for every 1,000 Capital One miles you transfer.
You’ll likely see plenty of transfer bonuses for airline programs you’re not a member of or familiar with, but you might find some surprises. With a bit of algorithmic wizardry, PointsYeah will help you to use these promotions to save points on your upcoming flights.
How to spot credit card transfer bonuses
Credit card transfer bonuses come and go with little notice — and only a handful of airline and hotel loyalty programs are eligible for a bonus at any given time. This makes staying updated on current transfer bonuses a bit challenging for the average user.
The good thing for you is -> you’re a PointsYeah user.
There are two ways you can stay informed about valuable transfer bonuses with PointsYeah:
Bookmark this page. We keep the above chart updated just for you.
Search for flights through PointsYeah. The search result card will show you whenever there’s a transfer bonus and even calculate the number of points required, factoring in the bonus.
One final option is to check directly with the bank or airline’s website. Depending on who funds the promotion, the bank or the airline, is where you will find the information. If you don’t see the transfer bonus on your bank transfer portal, it is likely one you would see the T&C on the airline site, while still transferring through the bank portal.
Pretty simple, Yeah?
Credit card transfer bonuses are automatic. Just transfer your bank points to participating airline or hotel loyalty programs during a transfer bonus, and you’ll automatically get extra rewards.
Remember to bookmark this page to keep on top of current transfer bonuses. And if you want to learn more ways to stretch your points and miles, sign-up for the PointsYeah newsletter. More tips = more trips!
The loyalty world just got a big jolt. On August 20, 2025, Alaska Airlines officially rebranded Mileage Plan into Atmos Rewards. Hawaiian Airlines will join the program on October 1, 2025, bringing HawaiianMiles members into the fold.
If you’re an Alaska flyer, your account already shows Atmos branding. If you’re a Hawaiian flyer, your miles will convert 1:1 into Atmos Points this fall. No loss of value, no hidden catch. The biggest difference is the name on your balance, what used to be “miles” are now “points.”
Why does this matter? Because this isn’t just a rebrand. It’s the first time in years that a U.S. carrier has built an entirely new program instead of folding one into an existing system.
Why Atmos Rewards Exists
When Alaska and Hawaiian merged, they had a choice:
Absorb HawaiianMiles into Mileage Plan, or
Start fresh with something new.
They chose the second option. Atmos Rewards is designed to unify both airlines under one identity while making the program more flexible, and more competitive with American, Delta, and United.
For Alaska members, this feels more like an upgrade than a reset. You keep the strong partner network Mileage Plan already had, including oneworld.
For Hawaiian members, the change is dramatic. HawaiianMiles was a smaller program with limited partners and no global alliance access. Overnight, Hawaiian flyers get plugged into a network of 30+ partners and 1,000+ destinations worldwide.
Your Balances: Same Value, New Name
Here’s the simplest part of the change:
If you had 50,000 Alaska miles yesterday, you have 50,000 Atmos Points today.
If you had 50,000 HawaiianMiles, on October 1, you’ll see 50,000 Atmos Points in your account.
No games, no hidden devaluations. A straight 1:1 conversion.
The New Atmos Elite Tiers
Atmos Rewards introduces a four-tier structure:
Silver (20,000 status points) → oneworld Ruby
Gold (40,000 status points) → oneworld Sapphire
Platinum (75,000 status points) → oneworld Emerald
Titanium (100,000 status points) → oneworld Emerald
On the surface, these look almost identical to Mileage Plan’s MVP levels. But there’s a catch:
Thresholds are rising in 2026
Starting with 2027 qualification, two tiers get more expensive:
Platinum moves from 75K → 80K
Titanium moves from 100K → 135K
That’s a significant hike for top-tier elites. If you’re already chasing MVP Gold 75K, you’ll need to push further. Titanium flyers will see the biggest jump, a 35% increase.
More Flexibility to Qualify
Here’s where Atmos tries to set itself apart.
Starting in 2026, you can choose how you want to qualify for status:
By miles flown
By dollars spent
By segments flown
This matters. Mileage Plan historically rewarded distance, while Delta and United have gone all-in on spend. Atmos gives members the ability to qualify in the way that matches their travel style.
If you’re a long-haul flyer, miles are still your friend.
If you’re a business traveler with expensive short hops, spend might make more sense.
If you fly lots of short trips, segments give you another path.
It’s rare for a U.S. airline to let members pick the qualification method.
Upgrades: A New Top-Tier Perk
One of the flashiest new benefits is for Titanium members.
Atmos says it will be the only U.S. program to offer:
Complimentary day-of-departure upgrades into global Business Class for Titanium elites and one companion, no points or certificates required.
This perk applies on long-haul Alaska and Hawaiian flights with lie-flat seats.
And there’s more coming in spring 2026:
All Atmos elites (Silver and above) plus one companion will be eligible for complimentary upgrades on Hawaiian Airlines flights within North America.
That’s a big deal for Hawaiian flyers, who have never had access to complimentary upgrades like this before.
What This Means for Travelers
For Alaska flyers:
Atmos looks and feels like Mileage Plan with new branding.
The biggest change is coming in 2026, when elite thresholds climb and flexible earning starts.
For Hawaiian flyers:
This is a massive upgrade. You gain access to oneworld, 30+ partners, and better redemption opportunities worldwide.
Elite members will finally see a real upgrade system, both on long-haul and within North America.
For everyone:
The program consolidates two airlines into one stronger competitor.
It keeps the mileage-based model alive, while also introducing spend and segments in 2026.
Key Takeaways
Balances convert 1:1. No loss in value.
Four elite tiers. Platinum and Titanium thresholds rise in 2026.
Flexible qualification. Choose how you earn starting 2026.
Upgrades expand. Titanium gets long-haul Business Class day-of-departure upgrades; all elites get Hawaiian North America upgrades starting spring 2026.
Biggest winners: Hawaiian flyers. They finally get global alliance access and a serious elite program.
Atmos Rewards doesn’t reinvent the wheel, but it does something rare in U.S. loyalty: it combines two programs without devaluing balances. For Alaska flyers, it’s an evolution. For Hawaiian flyers, it’s a revolution.
The real test will come in 2026, when new qualification rules and higher thresholds kick in. Until then, Atmos stands out as one of the more traveler-friendly programs in the U.S. market.
If you are a Chase Sapphire Reserve primary cardholder, Aeroplan is offering you an easy way to save points on your next award flight. For a limited time, you can claim a Flight Reward Certificate worth 5,000 Aeroplan points simply by registering. There is no spending requirement and no need to book right away, but you must act before the deadline.
The registration window is open from August 5, 2025, at 12:01 AM EST through August 18, 2025, at 11:59 PM EST. Once you register, Aeroplan will deposit the certificate into your account within 14 days, and it will be valid for 365 days from the date it is issued.
The Flight Reward Certificate will reduce the base fare in points for a single Aeroplan flight reward ticket by up to 5,000 points. It can be applied to flights on Air Canada or partner airlines, as long as the booking is made directly through Aeroplan’s website, mobile app, or call center.
Key details:
One certificate per Aeroplan account and per Chase Sapphire Reserve account
Only primary cardholders qualify (authorized users are not eligible)
The first and last name on your Aeroplan account must match your Chase Sapphire Reserve account exactly
Certificate cannot be split between travelers or combined with other points-based discount certificates
Taxes, government fees, partner booking fees, and other applicable charges still apply and must be paid separately
If the award ticket costs more than 5,000 points, you simply pay the difference from your Aeroplan balance. If it costs less, there is no residual value to carry over.
Enter your first and last name, Aeroplan number, and the last four digits of your Chase Sapphire Reserve card.
Accept the Terms and Conditions and click “Register now.”
Once in your account, you have a full year to decide when to use the certificate. If you cancel your ticket, the certificate can be re-deposited with its original expiration date as long as your account is in good standing. If any part of the ticket is flown, the certificate is considered fully used.
This is a no-cost way to get more value from your Aeroplan points. Even if you do not know when you will travel, registering now locks in the benefit for the next 12 months. Since Aeroplan partners with many global airlines, you will have options for both short and long-haul flights.
Only primary Chase Sapphire Reservecardholders are eligible for this promotion. The card also allows you to transfer points to Aeroplan at a 1:1 ratio, which can help you boost your balance for future bookings.
Why the Chase Sapphire Reserve Stands Out
Beyond this Aeroplan promotion, the Chase Sapphire Reserve comes with a premium set of travel and lifestyle perks that add value year-round. Chase values the current Sapphire Reserve benefits package at more than $2,700 a year, based on the full range of credits, perks, and rewards available. Cardholders earn high points on travel and dining, enjoy access to the Chase Sapphire Lounge by The Club network, and can transfer points to Aeroplan and other partners at a 1:1 ratio.
Notable benefits include:
8x points on Chase Travel purchases and 4x points on flights and hotels booked direct
$300 annual travel credit and $300 annual dining credit
Access to over 1,300 airport lounges worldwide, including Sapphire Lounges and select Air Canada Maple Leaf Lounges when flying Star Alliance
Comprehensive travel protections including primary rental car coverage and trip cancellation
New Points Boost program that can make points worth up to 2x on select flights and hotels booked through Chase Travel
These benefits, combined with its strong earning rates and transfer options, make the Chase Sapphire Reserve a powerful card for travelers who want both premium perks and flexible rewards.
If you are a primary Chase Sapphire Reserve cardholder, this 5,000-point Aeroplan Flight Reward Certificate is an easy win. Registration takes less than a minute, costs nothing, and gives you a full year to put the savings toward your next award flight. Make sure you register before August 18, 2025 so you do not miss out.
We’ve been waiting for this, and it’s finally here. With the launch of Citi’s newest travel card, ThankYou Points are now transferable to American Airlines AAdvantage at a 1:1 ratio.
Until now, AAdvantage was the only one of the big four U.S. airlines without a major points transfer partner. Delta? Transfer from Amex. United and Southwest? Chase. But American had no option, until now. This opens the door to far more flexibility in finding high-value award seats.
AAdvantage has many low cost redemptions starting at 5k miles as of the time of this search. A quick browse through daydream explorer found over 100 nonstop flights priced at that 5k mile mark.
Looking to stretch out?
We’re currently seeing First Class seats to Tokyo for around 80,000 AAdvantage miles, on top-tier carriers like Japan Airlines.
Most recent news regarding transfer partners has been negative. This however is great news for users of PointsYeah who now have even more flexibility to book their next trip. Be sure to update your filters, adjust your strategy, and explore the latest tools (and cards) that can help you take advantage of this change.. Learn more about the featured cards this month.
Got a whole bunch of credit card points but aren’t sure how to spend them? PointsYeah’s search tool is a foolproof way to make your travel planning easier. From converting points into airline miles to formally booking your travel, we hold your hand the whole way.
Although PointsYeah does the heavy lifting, it’s still worth understanding simple details like:
Which airlines partner with each points program?
Which credit cards can you open to quickly amass the points that’ll best fit your travel goals?
American Express Membership Rewards points
Which airlines partner with Amex Membership Rewards?
Aer Lingus
Cathay Pacific
Iberia
Aeromexico
Delta
JetBlue
Air Canada
Emirates
Qantas
ANA
Etihad
Qatar Airways
Avianca
Flying Blue (Air France and KLM)
Singapore Airlines
British Airways
Hawaiian Airlines
Virgin Atlantic
While looking for award flights, PointsYeah displays live search results that show you how many points you’ll need to transfer to each specific airline program. It even shows you active transfer bonuses.
Most transfers are instant — so you can book your travel immediately after you initiate the conversion.
Another quick note: When transferring Amex points to a U.S. airline (like Delta or JetBlue or Hawaiian Airlines), you’ll be subject to a fee of 0.06 cents per point. For example, you’ll pay $60 for every 100,000 points you transfer. You’ve also got the option to redeem Amex points at a rate of 0.5 cents each to offset the fee.
Again, this doesn’t apply to foreign airlines — only those based in the U.S.
How to transfer American Express Membership Rewards to airlines
Step 1. Log into your American Express online account and select a Membership Rewards-earning card (like the Amex Platinum Card).
Step 2. Click the “Rewards & Benefits” tab. Under the “Earn and Redeem” drop-down menu, find the “Transfer Points” option. This will take you to a page listing all Amex transfer partners.
Step 3. Choose the airline program you’d like to transfer your points to. Before you transfer, Amex will ask you to enter your airline loyalty number. It’ll save your info for future use.
Step 4. Review and submit your transfer. You’ll need to authenticate the transfer by inputting the three-digit code on the back of your card, entering a temporary code sent to your email, or completing another verification method.
Bilt Rewards
Which airlines partner with Bilt Rewards?
Aer Lingus
Cathay Pacific
TAP Portugal
Alaska Airlines
Emirates
Turkish Airlines
Avianca
Flying Blue (Air France and KLM)
United Airlines
Air Canada
Iberia
Virgin Red (Virgin Atlantic)
British Airways
Southwest
Again, PointsYeah will show you live award inventory and give you links to help you transfer your points instantly (in most cases) to your preferred airline program — and even alert you of transfer bonuses to make your flight even cheaper.
Which credit cards earn Bilt Rewards?
Card
Annual fee
Welcome bonus
Bilt Mastercard®
$0
N/A
How to transfer Bilt Rewards to airlines
Step 1. Open the Bilt Rewards app on your phone and click the “Rewards” tab at the bottom of the screen.
Step 2. Find the “Transfer” button at the top of the screen and select it. This will bring you to a page with all of Bilt’s transfer partners.
Step 3. Choose the airline you want to transfer your points with. Input the number of points you’d like to transfer.
Step 4. Review and submit your transfer.
Capital One miles
Which airlines partner with Capital One miles?
Aeromexico
Etihad
Singapore Airlines
Air Canada
EVA Air
TAP Portugal
Avianca
Finnair
Turkish Airlines
British Airways
Flying Blue (Air France and KLM)
Virgin Red (Virgin Atlantic)
Cathay Pacific
JetBlue
Emirates
Qantas
Transferring Capital One miles to airlines is typically instant. And because PointsYeah displays live award availability, you can transfer your miles to the airline and book your trip in just a minute or two. We’ll tell you how many miles you need to convert for your desired flight — and also let you know of any Capital One miles transfer bonuses.
Which credit cards earn Capital One miles?
Card
Annual fee
Welcome bonus
Capital One Venture Rewards Credit Card
$95
75,000 bonus miles
Capital One Venture X Rewards Credit Card
$395
75,000 bonus miles
Capital One Venture X Business Card
$395
75,000 bonus miles
Capital One VentureOne Rewards Credit Card
$0
20,000 bonus miles
Capital One Spark Miles for Business
$95 (waived the first year)
50,000 bonus miles
Capital One Spark Miles Select for Business
$0
50,000 bonus miles
Capital One Spark Cash Plus
$95 (waived the first year)
$750*
Capital One Savor Rewards Credit Card
$0
$200*
Capital One Quicksilver Cash Rewards Credit Card
$0
$200*
Capital One QuicksilverOne Cash Rewards Credit Card
$39
N/A*
*You can convert the cash back you earn with Capital One credit cards into transferable miles as long as you also hold a Capital One miles-earning card, like the Capital One Venture. The transfer rate is 1 mile per cent. For example, you could convert $50 in cash back into 5,000 Capital One miles.
In other words, even cash back Capital One cards are great for earning travel rewards.
How to transfer Capital One miles to airlines
Step 1. Log into your Capital One online account and click the “View Rewards” button on your dashboard. You’ll then be taken to the rewards page with several different redemption options.
Step 2. Click the “Transfer rewards” box to find the list of all Capital One airline partners.
Step 3. Choose the airline program you’d like to transfer your miles to. You’ll need to enter your airline loyalty number if you haven’t previously linked it to your Capital One account.
Step 4. Enter the number of miles you’d like to convert. Review and confirm your transfer.
Chase Ultimate Rewards points
Which airlines partner with Chase Ultimate Rewards?
Aer Lingus
Flying Blue (Air France and KLM)
Southwest
Air Canada
Iberia
United Airlines
British Airways
JetBlue
Virgin Atlantic
Emirates
Singapore Airlines
Chase Ultimate Rewards points convert to airlines programs instantly. PointsYeah gives you a live look at award seats — so when you find the flight you want, you can have it reserved in minutes. The search results will tell you how many Chase points you’ll need to book the flight, as well as any current transfer bonuses.
Which credit cards earn Chase Ultimate Rewards?
Card
Annual fee
Welcome bonus
Chase Sapphire Preferred® Card
$95
75,000 bonus points
Chase Sapphire Reserve®
$550
75,000 bonus points
Ink Business Preferred® Credit Card
$95
90,000 bonus points
Chase Freedom Unlimited®
$0
Up to $300*
Chase Freedom Flex℠
$0
$200*
Ink Business Cash® Credit Card
$0
$750*
Ink Business Unlimited® Credit Card
$0
$750*
*You can convert the cash back you earn with Chase credit cards into transferable points — but you must have a Chase Ultimate Rewards point-earning credit card, like the Chase Sapphire Preferred. You’ll get 1 point per cent, meaning, you could convert $100 in cash back into 10,000 Chase points.
How to transfer Chase points to airlines
Step 1. Log into your Chase online account and click on an Ultimate-Rewards credit card. You’ll see a “Redeem” button near the top of the page. Alternatively, you can head directly to the Chase Ultimate Rewards website and choose your Ultimate Rewards credit card.
Step 2. On your account dashboard, you’ll see a “Travel” tab at the top of the page. Find and click the “Transfer points to partners” link from the drop-down menu.
Step 3. From Chase’s list of airline partners, choose the program you’d like to transfer your points to. You’ll need to link your airline account to Chase if you haven’t already. Just enter your loyalty number when prompted.
Step 4. Enter the number of points you’d like to convert. Review and confirm your transfer.
Citi ThankYou points
Which airlines partner with Citi ThankYou points?
Aeromexico
EVA Air
Singapore Airlines
Avianca
Flying Blue (Air France and KLM)
Thai Airways
Cathay Pacific
JetBlue
Turkish Airlines
Emirates
Qantas
Virgin Atlantic
Etihad
Qatar Airways
Citi ThankYou points generally transfer to programs instantly. PointsYeah will quickly show you how many points you’ll need for your flight (accounting for active transfer bonuses), and it’ll display live award availability. Just choose your flight, and we’ll show you how to quickly book it.
Which credit cards earn Citi ThankYou points?
Card
Annual fee
Welcome bonus
Citi Strata Premier℠ Card
$95
75,000 bonus points
Citi Prestige® Card
$495
N/A
Citi Rewards+® Card
$0
20,000 bonus points*
Citi Double Cash® Card
$0
$200*
Citi Custom Cash® Card
$0
$200*
*You can turn any rewards you earn with Citi’s cash back cards into transferable ThankYou points as long as you also hold a ThankYou points-earning credit card like the Citi Strata Premier. You’ll get 1 point per cent, meaning, you can turn $100 in cash back into 10,000 Citi points.
It’s also worth noting that the Citi Rewards+ Card’s redemption options are effectively identical to Citi’s cash back credit cards. So to unlock the full potential of that card’s rewards, you’ll also need to hold a card like the Citi Strata Premier.
How to transfer Citi points to airlines
Step 1. Navigate to ThankYou.com and login with your Citi credit card credentials. You may need to manually select the Citi Strata Premier — or another card that earns fully transferable points, like the Citi Prestige.
On the home page is a “More Ways to Redeem” tab. Click “Points Transfer” from the drop-down menu.
Step 2. You’re now looking at a list of all Citi transfer partners. Find the airline you want to transfer to and click “Continue.” Link your airline loyalty account (if you haven’t already) by entering it into the ThankYou website when prompted.
Step 3. Enter the number of points you’d like to convert. Review and confirm your transfer.
Wells Fargo Rewards
Which airlines partner with Wells Fargo Rewards?
Aer Lingus
Flying Blue (Air France and KLM)
Avianca
Iberia
British Airways
Virgin Atlantic
In most cases, rewards will deposit into your airline account immediately after initiating a transfer from Wells Fargo. Take a quick look at available flights through PointsYeah’s live award search, and we’ll give you instructions for how to quickly transfer points and book your travel. We’ll even tell you when there’s a hard-to-ignore transfer bonus.
Which credit cards earn Wells Fargo Rewards?
Card
Annual fee
Welcome bonus
Wells Fargo Autograph℠ Card
$0
20,000 bonus points
Wells Fargo Autograph Journey℠ Card
$95
60,000 bonus points
Wells Fargo Active Cash® Card
$0
$200*
Wells Fargo Attune℠ Card
$0
$100*
Even Wells Fargo’s cash back cards that aren’t marketed as “travel” credit cards can be a boon for collecting travel rewards. If you’ve got a Wells Fargo points-earning card, like the Wells Fargo Autograph Card, you can convert the cash back you earn into Wells Fargo points at a rate of 1 point per cent — meaning $20 equals 2,000 travel points.
How to transfer Wells Fargo points to airlines
Step 1. Sign into your Wells Fargo online account and roll over the “Use Rewards” tab at the top of the page.
Step 2. From the drop-down menu, find and click the “Rewards Points Transfer” link. This will take you to a list of Wells Fargo transfer partners.
Step 3. Choose the airline you want to use and enter the number of points you’d like to transfer.
Step 4. Review your transfer and click “Submit.”
Cautions, caveats, and advice
Take advantage of transfer bonuses
Banks often publish bonuses which can help to stretch the rewards you earn by rewarding you for transferring your flexible points to specific airline partners.
For example, you may find that American Express is offering a 30% bonus when transferring to Virgin Atlantic. This improves the standard 1:1 transfer ratio to 1:1.3. That’s an extra 300 miles for every 1,000 points you transfer.
Transfers are final
When you convert transferable points to an airline, you can’t convert them back. For this reason, we don’t recommend transferring points until you’re ready to book.
Some points take a while to transfer
In most cases, transferable points deposit into your airline account within a day (typically within minutes). But some partners may take longer to process. If you’re uniquely cursed, the award seats you want may have disappeared by the time you get your miles.
It probably won’t happen to you, but it’s something to be aware of.
Pretty simple, Yeah?
Transferring bank points to an airline is simple and takes only a minute or two. The stressful part is trying to figure out how to best use those rewards. PointsYeah eliminates all that mental strain and feeds you the top options in seconds.
Save your brainpower for earning travel rewards. We’ll do the rest.
