This document summarizes the limited-time transfer bonuses available as of December 1, 2025, from US-issued transferable points programs (personal and business cards) to airline and hotel partners. It also includes a few closely related promos from non-bank programs that US travelers can use. Offers can change or end early. Always confirm the bonus and terms on the issuer or loyalty program website before transferring points.
Lost of Active Transfer Bonuses
All bonuses below are live as of December 1, 2025.
| # | From Program | To Program(s) | Bonus | Dates (2025/26) | Notes |
| 1 | Bilt Rewards (Bilt Mastercard® – US) |
British Airways Executive Club Iberia Plus Aer Lingus AerClub (Avios) |
+50%–100% (status-based) |
Dec 1, 2025 (Rent Day only) |
US card → Avios; one-day promo; bonus depends on Bilt status. |
| 2 | Amex Membership Rewards (US personal & business) |
Virgin Atlantic Flying Club | +40% | Nov 21 – Dec 31, 2025 | Amex Membership Rewards → airline; must see 40% bonus on Amex transfer screen. |
| 3 | Chase Ultimate Rewards (US personal & business) |
Virgin Atlantic Flying Club | +30% | Nov 21 – Dec 5, 2025 | Chase Ultimate Rewards → airline; follows a short 40% phase that ended Nov 20. |
| 4 | Chase Ultimate Rewards (US personal & business) |
Air Canada Aeroplan | +15%–25% (tiered) + extra 10% (with Chase Aeroplan card) |
Nov 24, 2025 – Jan 5, 2026 | Chase Ultimate Rewards → airline; effective bonus up to 35% on large transfers for Aeroplan cardholders. |
| 5 | Rove Miles (platform, US-accessible) |
Finnair Plus (Avios) | +20% | Sep 22 – Dec 31, 2025 | Rove → airline; Finnair now uses Avios; not a bank program but relevant. |
| 6 | Wyndham Rewards (hotel points) |
Singapore Airlines KrisFlyer | +20% | Oct 28 – Dec 27, 2025 | Hotel → airline; best as a top-off for a specific KrisFlyer award. |
Key Offer Details
Bilt Rewards → Avios (Rent Day – December 1, 2025 Only)
Eligible card: Bilt Mastercard® (US personal card that earns Bilt Rewards points).
Transfer partners: British Airways Executive Club, Iberia Plus, and Aer Lingus AerClub (all Avios programs).
Bonus: 50%–100% bonus based on Bilt status:
• Blue: +50%
• Silver: +60%
• Gold: +75%
• Platinum: +100%.
Timing: Transfers initiated within the December 1, 2025 Rent Day window qualify (one-day promo).
Effective ratios: Approximately 1:1.5 (Blue) up to 1:2 (Platinum) when moving Bilt points to Avios.
Practical note: This is a very strong offer if you already know which Avios booking you want (for example, short-haul American or Alaska flights, Iberia business class to Madrid, or Aer Lingus US–Dublin). Find the award space first, then transfer.
American Express Membership Rewards (US) → Virgin Atlantic Flying Club
Eligible cards: US personal and business Membership Rewards cards, such as The Platinum Card® from American Express, American Express® Gold Card, Amex EveryDay®, Business Platinum Card®, Business Gold Card®, and similar MR-earning products.
Transfer partner: Virgin Atlantic Flying Club.
Bonus: 40% bonus (1,000 Membership Rewards points → 1,400 Virgin points).
Dates: Promotional period runs from November 21 through December 31, 2025 (US Membership Rewards accounts).
Transfer time: Typically near-instant from Amex to Virgin Atlantic, but delays are always possible.
Targeting: You must see the 40% bonus displayed in your Amex transfer interface. If there is no bonus shown, your account may not be targeted.
Chase Ultimate Rewards → Virgin Atlantic Flying Club
Eligible cards: Chase Sapphire Preferred®, Chase Sapphire Reserve®, Ink Business Preferred®, Sapphire reserve for Business ,and other Ultimate Rewards-earning cards (you will need to combine the points into a premium card before transferring).
Transfer partner: Virgin Atlantic Flying Club.
Bonus: 30% bonus (1,000 Ultimate Rewards points → 1,300 Virgin points).
Dates: Promotion runs from November 21 through December 5, 2025.
Transfer time: Typically near-instant from Chase to Virgin Atlantic, though Chase warns that transfers can take longer.
Chase Ultimate Rewards → Air Canada Aeroplan
Eligible cards: US Chase Sapphire Preferred®, Chase Sapphire Reserve®, Ink Business Preferred®, and other Ultimate Rewards-earning cards (points may need to be pooled into a premium card for transfers).
Transfer partner: Air Canada Aeroplan.
Chase bonus tiers: Base bonus from Chase is tiered per single transfer:
• 1,000–74,000 UR → +15% Aeroplan points
• 75,000–174,000 UR → +20%
• 175,000+ UR → +25%
Chase Aeroplan Card stack: Holders of the Chase Aeroplan Credit Card receive an additional 10% bonus on transfers of 50,000+ UR (capped at 25,000 bonus points per calendar year), allowing effective bonuses up to 35% on larger transfers.
Dates: Promotion runs from November 24, 2025 through January 5, 2026.
Rove Miles → Finnair Plus (Avios)
Program: Rove Miles is a travel rewards platform that US travelers can use; it is not a US bank-issued card program but operates similarly to a flexible points currency.
Transfer partner: Finnair Plus (which now uses Avios as its loyalty currency).
Bonus: 20% bonus on Finnair Plus points when transferring Rove Miles during the promo window.
Dates: Promotion is scheduled from September 22 through December 31, 2025.
Wyndham Rewards → Singapore Airlines KrisFlyer
Program: Wyndham Rewards hotel points, which can be earned via US-issued Wyndham credit cards and hotel stays.
Transfer partner: Singapore Airlines KrisFlyer.
Bonus: 20% bonus KrisFlyer miles on top of the standard conversion when converting Wyndham points during the promo period.
Effective ratio during promo: 6,000 Wyndham points → 1,440 KrisFlyer miles (instead of 1,200).
Dates: Promotion is scheduled from October 28 through December 27, 2025.
Programs Without Current Transfer Bonuses (US Banks)
As of December 1, 2025, the following US bank rewards programs do not have any public, limited-time transfer bonuses to airline or hotel partners. Standard transfer ratios apply:
- Citi ThankYou Rewards (personal and business cards).
- Capital One Miles (personal and business cards).
- Wells Fargo Rewards (including Autograph and Autograph Journey products).
- U.S. Bank points programs (including Altitude).
FAQs and Guidance
How should I decide whether to transfer during a bonus?
Start with your travel plans, not the percentage. In my view, a bonus is only worth considering if you can see a real flight or hotel you want in the near future, and the partner you are transferring to usually receives points instantly or very quickly. If there is no near-term use or the transfer is known to be slow, I prefer to keep points flexible even when the bonus looks attractive.
How do you look at the Bilt → Avios Rent Day bonus?
The Bilt Rent Day Avios bonus is extremely strong on paper, especially at higher status tiers where you can get up to 2 Avios per Bilt point. I would use it when I already have specific Avios redemptions in mind—like short-haul American or Alaska flights, Iberia business to Madrid, or Aer Lingus to Dublin—and I can see award space right now. I would not move all my Bilt points speculatively just because the bonus is large; Bilt points are still valuable as a flexible currency.
How would you use the Amex → Virgin Atlantic 40% bonus?
I like this bonus when there is a clear Virgin or partner redemption already picked out and I have confirmed that award space is available. Virgin points can be powerful for certain premium-cabin itineraries, but they can also come with higher surcharges. I compare the total cost, including fees, to what I could do with other Amex partners or even booking through the Amex Travel portal before transferring.
How do you compare the Chase → Virgin bonus to other Chase options?
Chase Ultimate Rewards also transfer to partners like United, Air Canada Aeroplan, Singapore KrisFlyer, and Hyatt, all of which I value highly. Because of that, I only send a large amount of UR to Virgin Atlantic when the specific redemption clearly beats what I can do with those other partners or through the Chase travel portal. If the traveler mostly wants Star Alliance flights or Hyatt stays, it often makes sense to keep UR points for those programs instead.
How do you approach the tiered Chase → Aeroplan bonus?
For Aeroplan, I first look at the trip: is there a Star Alliance itinerary I want to book, and does Aeroplan price it well compared to United or KrisFlyer? I then transfer what I need to book that trip and treat the tiered bonus as a nice extra. I do not increase my transfer amount solely to reach a higher percentage tier if I do not have a clear plan for those extra points.
Are the Rove → Finnair and Wyndham → KrisFlyer bonuses worth using?
They can be, but they are more niche. I see the Rove → Finnair bonus as useful if you are already earning Rove Miles and want to build a Finnair Avios balance for specific flights. The Wyndham → KrisFlyer bonus can be good for topping off a KrisFlyer account to finish an award booking. I generally would not move flexible bank points into Wyndham and then on to KrisFlyer just to chase a 20% bonus because that typically sacrifices too much value along the way.
What is your one-sentence rule for beginners about transfer bonuses?
Use tools like PointsYeah and point.me to see which programs give you the best value and which bonuses are live, then only transfer points when you already know which flight or hotel you are going to book with those miles.
What mistakes should I avoid with transfer bonuses?
Common mistakes include transferring to a partner that posts slowly when award space is limited, sending a very large first transfer to a partner you have never used before, and splitting or repeating identical transfer amounts in a way that may trigger delays. I prefer to test new pipelines with smaller transfers, keep most transfers to reasonable chunks (for example around 50,000 points or less), and vary amounts if I need to send multiple transfers in one day.
