If you’ve been waiting for a month packed with transfer bonuses… February 2026 isn’t it. The upside is that what’s available is easy to track, and one of the bonuses (Capital One -> JAL) is genuinely interesting because it fixes an otherwise weak transfer ratio.
Below is everything that showed up for U.S.-based transferable points in February 2026, plus a couple of “not your usual bank points” transfer promos that are worth knowing about.
Quick snapshot
| From | To | Bonus | Window (ET unless noted) | My quick take |
| Chase Ultimate Rewards | Marriott Bonvoy | 50% | Feb 1 – Feb 28, 2026 | Mostly for topping off a booking; UR points are usually worth more elsewhere. |
| Capital One Miles | Japan Airlines (JAL) Mileage Bank | 30% | Feb 1 – Feb 28, 2026 | The best deal this month if you’ll actually book JAL/oneworld awards soon. |
| Capital One Miles | Avianca LifeMiles | 15% | Jan 12 – Feb 11, 2026 | Nice for specific Star Alliance sweet spots. Don’t transfer “just because.” |
| Bilt Rewards (Rent Day) | ALL – Accor Live Limitless | Up to 125% | Feb 1, 2026 only | Great if you use Accor and like points that behave like cash discounts. |
The February 2026 U.S. credit-card transfer bonuses
1) Chase Ultimate Rewards -> Marriott Bonvoy (50% bonus)
What you get: 1,000 Chase points become 1,500 Marriott points.
When it makes sense:
- You’re short a small number of Bonvoy points for a specific booking you’re ready to lock in.
- You’re booking 5 nights on points (Marriott’s “stay for 5, pay for 4” pricing can shift the math in your favor).
- Cash rates are high and the points price is reasonable.
When to skip it:
- You’re transferring “speculatively” with no booking picked out (Chase points are too flexible).
- You could instead transfer to a higher-value hotel partner you actually use (like Hyatt, if you’re a Chase person).
Marriott program basics: Marriott Bonvoy
2) Capital One Miles -> Japan Airlines (JAL) Mileage Bank (30% bonus)
What you get: During the promo window, 1,000 Capital One miles become 975 JAL miles (normally 750).
Why this one is interesting:
- JAL is a niche partner and normally the transfer ratio is weak – the bonus pushes it close to 1:1.
- JAL miles can be powerful for JAL flights and certain oneworld partner awards, especially if you find good availability.
Keep in mind:
- JAL miles have a hard expiration clock (so don’t hoard them unless you know you’ll use them).
- Always confirm award space first. Transfers are one-way.
Official promo page (and the “Transfer Now” button): JAL Points-to-Miles bonus promo
3) Capital One Miles -> Avianca LifeMiles (15% bonus)
What you get: 1,000 Capital One miles become 1,150 LifeMiles (promo ran through Feb 11, 2026).
Why people care about LifeMiles (even if they never fly Avianca):
- LifeMiles can book Star Alliance partners (think United, ANA, Lufthansa, etc.).
- The program is known for occasional sweet spots and often doesn’t add big fuel surcharges on partner awards.
The smart way to use this:
- Find the exact award you want first, then transfer only what you need.
- Have a backup plan if the LifeMiles site acts up (it happens).
LifeMiles program: Avianca LifeMiles
4) Bilt Rent Day -> ALL – Accor Live Limitless (up to 125% bonus)
What it was: A one-day (Feb 1) status-based bonus when transferring Bilt points to Accor.
Bonuses by Bilt status:
- Blue: 25% bonus
- Silver: 50% bonus
- Gold: 75% bonus
- Platinum: 100% bonus (and some Platinum members could push to 125%)
Why Accor can be great:
- Accor points are basically travel cash: 2,000 points = 40 euros off your bill.
- That makes it easy to value the points and avoid the “is this a good redemption?” guessing game.
Accor loyalty program: ALL – Accor Live Limitless
Other ideas to get better usage of your rewards.
Qatar Airways Privilege Club Avios -> Accor (30% transfer bonus)
If you already have Avios (from Qatar, British Airways, Iberia, etc.), this is an interesting deal where moving Avios into a hotel program can make sense – because Accor points is giving you a fixed-value discount.
Details: Accor ran a limited-time 30% bonus when converting Avios into ALL Reward points.
Official link to the deal: Accor x Qatar Airways (Avios)
HSBC (UK) Premier Rewards -> British Airways Club (25% bonus Avios)
Quick heads-up: This one isn’t a U.S. credit-card transfer bonus. It’s a UK HSBC Premier Rewards promo. I’m including it because it’s the kind of thing most people miss – and it can be lucrative if you actually hold the UK product.
Official terms PDF: HSBC UK BA bonus Avios offer
Marriott points: why they’re sneakily useful (and the airline list people forget)
Even if you’re not a “Marriott person,” Bonvoy points have one big superpower: they can be a backup currency for dozens of airline programs. That matters when you’re short a few thousand miles and you don’t have an easy way to earn that airline’s miles quickly.
Here’s the simple math:
- Most airline partners transfer at 3 Marriott points -> 1 airline mile.
- Transfer 60,000 Bonvoy points and Marriott typically adds a 5,000-mile kicker (so you end up with 25,000 miles).
- United is the exception in the good direction: Marriott advertises 10,000 bonus miles for every 60,000 points transferred to United (so 60,000 -> 30,000 United miles).
- The 5,000-mile kicker doesn’t apply to a few partners (including American, Avianca, and Delta).
Airlines you can transfer to (high-level): United, Southwest, American, Delta, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club (Avios), Iberia Plus, Qatar Airways Privilege Club (Avios), Japan Airlines, Singapore KrisFlyer, Emirates, Etihad, Turkish Miles&Smiles, ANA, Qantas, and more.
Full official airline partner list and ratios: Marriott – Transfer Points to Miles
My quick checklist (so you don’t transfer points and regret it)
- Pick the exact flight/hotel first. If you can’t see availability, don’t transfer yet.
- Do the math with the bonus included (how many bank points does the booking really cost after the bonus?).
- Check transfer times. If the partner isn’t instant, award space could disappear while you wait.
- Watch expiration rules after you transfer (some programs have hard expirations).
- Transfer only what you need for the booking – keep the rest flexible.
- Use Seats.aero to learn more about what your best Point deals are available for specific flights that you need. Then transfer and convert points to the points that’s going to give you the best deal for that flight.
FAQs
Are these really all the U.S. credit-card transfer bonuses for February 2026?
Yes – the public, widely reported bonuses for U.S. bank points in February 2026 were limited to Chase -> Marriott, Capital One -> JAL, Capital One -> LifeMiles, plus Bilt’s one-day Rent Day bonus to Accor.
Which bonus is the “best” one?
If you’ll actually redeem soon, the Capital One -> JAL bonus is the most unusual because it improves a normally weak ratio. The LifeMiles bonus can be very useful if you’re booking Star Alliance partners. The Marriott bonus is usually only worth it to top off a specific stay.
Should I transfer points just because there’s a bonus?
No. Transfers are typically one-way, and you lose flexibility the second your points leave the bank.
Do transfer bonuses stack with other promos?
Most of the time, no. Think of a transfer bonus as a one-off “exchange rate.” If a partner also has a separate promotion, read the terms carefully – stacking is rare.
How fast do these transfers happen?
Some are instant, some are not. Always check the estimated transfer time in your bank portal before you move points (and assume award space can vanish while you wait).
What if I don’t see the bonus in my account?
Don’t transfer until you see the bonused ratio or offer language in your transfer screen. If you’ve already transferred, give it time – some bonuses post separately.
Is Accor really ‘fixed value’?
Pretty close. Accor points work like a predictable discount (2,000 points = 40 euros off), which makes it refreshingly easy to value compared to programs with shifting award charts.
Where can I keep track of transfer bonuses going forward?
I keep a simple habit: check a transfer bonus tracker once a week and then verify inside my account before transferring.
Helpful link. AwardWallet current transfer bonuses
Bottom line: February 2026 is a light month for transfer bonuses, so don’t overthink it. If one of these matches an award you’re ready to book, great – take the discount. If not, keep your points where they are and stay flexible.
