November is shaping up to be a great month for travelers looking to maximize their credit card rewards. Several new transfer bonuses have launched, including opportunities to earn 30% more Avios from Chase Ultimate Rewards and 20% more Flying Blue miles from Capital One.
Whether you’re planning a business-class flight to Europe, looking for an award flight on Virgin Atlantic, or trying to stretch your hotel points further, these limited-time promotions could help you book your next trip for fewer points.
But here’s something we’ve learned from booking award travel: the biggest transfer bonus isn’t always the best deal. The real value comes from pairing a bonus with an award redemption that makes sense.
Let’s take a look at the current offers.
All Current Points Transfer Bonuses — November 2026
The following promotions have been reported as active as of November 1, 2026. Offers may change, and eligibility and final cutoff times should always be confirmed in your rewards account before transferring.
| Credit Card Program | Transfer Partner | Bonus | Expiration |
|---|---|---|---|
| Chase Ultimate Rewards | British Airways Club | 30% | Dec. 1 |
| Chase Ultimate Rewards | Iberia Club | 30% | Dec. 1 |
| Chase Ultimate Rewards | Aer Lingus AerClub | 30% | Dec. 1 |
| Chase Ultimate Rewards | IHG One Rewards | 80% | Dec. 3 |
| Chase Ultimate Rewards | Wyndham Rewards | 30% | Dec. 3 |
| Capital One Miles | Virgin Atlantic Flying Club / Virgin Red | 30% | Nov. 20 |
| Capital One Miles | Air France-KLM Flying Blue | 20% | Nov. 30 |
| American Express Membership Rewards | Marriott Bonvoy | 35% | Dec. 10 |
| Citi ThankYou Rewards | Cathay Pacific Asia Miles | 10% | Nov. 14 |
| Rove Miles | JetBlue TrueBlue | 20% | Nov. 14 |
Dates reflect reported offer expiration dates in 2026. Virgin Red and Virgin Atlantic Flying Club are two ways of accessing Virgin Points and should not be treated as two independent bonuses to stack.
Our Favorite Transfer Bonuses This Month
1. Chase Ultimate Rewards → Avios: 30% Bonus
Offer ends December 1, 2026
One of November’s most interesting opportunities is Chase’s 30% transfer bonus to British Airways Club, Iberia Club, and Aer Lingus AerClub.
Normally, 1,000 Chase points transfer to 1,000 Avios. With this promotion, the same transfer earns 1,300 Avios.
For example:
- 20,000 Chase points become 26,000 Avios.
- 50,000 Chase points become 65,000 Avios.
- 100,000 Chase points become 130,000 Avios.
Avios are particularly interesting because they can unlock bookings across several airline programs, including British Airways, Iberia, Aer Lingus, and, subject to program rules and award availability, Qatar Airways.
Our take: This is one of the strongest options to investigate if you’re looking at premium-cabin flights, particularly transatlantic routes or Qatar Airways Qsuite redemptions.
Keep in mind that award pricing, surcharges, and availability vary considerably between programs. Verify the itinerary and any Avios transfer or linking restrictions before moving points.
2. Capital One → Air France-KLM Flying Blue: 20% Bonus
Offer ends November 30, 2026
Flying Blue remains one of our favorite loyalty programs to check when planning trips to Europe.
This month, Capital One is offering a 20% transfer bonus.
With a standard 1:1 transfer ratio:
- 25,000 Capital One miles become 30,000 Flying Blue miles.
- 50,000 become 60,000.
- 100,000 become 120,000.
Let’s say you find a business-class award for 60,000 Flying Blue miles. With the bonus, you’d need just 50,000 Capital One miles to book it, before taxes and fees.
That’s a meaningful savings, especially when booking multiple tickets.
Flying Blue also publishes monthly Promo Rewards, which can offer additional opportunities to save miles on select routes.
Our take: A particularly compelling promotion for travelers who can find suitable Air France or KLM award availability. We would check Flying Blue before transferring points to another program for flights to Europe.
Search Flying Blue Award Flights
3. Capital One → Virgin Atlantic: 30% Bonus
Offer ends November 20, 2026
Capital One is also offering a 30% bonus when transferring miles to Virgin Atlantic Flying Club or Virgin Red.
Under the standard 1:1 ratio:
- 20,000 miles become 26,000 Virgin Points.
- 50,000 become 65,000.
- 100,000 become 130,000.
Virgin Points can be used for Virgin Atlantic flights and eligible partner-airline awards.
Virgin Atlantic’s own Upper Class product can be a great experience, although taxes and carrier-imposed surcharges can sometimes make these awards less attractive than the mileage price initially suggests.
Our take: Worth considering when you have an actual Virgin Atlantic or partner award ready to book. Compare the total cash and points cost before transferring.
Explore Virgin Atlantic Flying Club
4. Chase Ultimate Rewards → IHG One Rewards: 80% Bonus
Offer ends December 3, 2026
At 80%, this is the largest percentage bonus among the major bank-transfer offers we’re tracking.
Normally, 10,000 Chase points transfer to 10,000 IHG points. During this promotion, those same Chase points become 18,000 IHG points.
That sounds incredible, right?
Not necessarily.
IHG points are generally worth less per point than flexible Chase Ultimate Rewards points, so even an 80% transfer bonus might not deliver outstanding value.
For example, suppose an IHG hotel costs 45,000 points or $180 per night.
With this transfer bonus, you’d need 25,000 Chase points for that redemption, producing a value of just 0.72 cents per Chase point.
That might be less attractive than using Chase points another way.
Our take: Don’t transfer just because the bonus is enormous. Compare the hotel’s cash rate, its points rate, and any alternative redemption options first.
5. American Express → Marriott Bonvoy: 35% Bonus
Offer ends December 10, 2026
American Express Membership Rewards has a reported 35% transfer bonus to Marriott Bonvoy.
That means:
- 20,000 Amex points become 27,000 Marriott points.
- 50,000 become 67,500.
- 100,000 become 135,000.
While the extra points are tempting, Marriott redemptions can vary considerably in value.
We generally prefer to save flexible Membership Rewards points for high-value flight redemptions unless we’ve identified a particularly attractive hotel booking.
Our take: Good for topping off your Marriott balance for a specific reservation, but not an automatic transfer recommendation.
Other Transfer Bonuses Worth Watching
Chase → Wyndham Rewards: 30%
A potentially useful offer for select Wyndham properties and vacation rentals. Be sure to compare award pricing against cash rates.
Citi → Cathay Pacific Asia Miles: 10%
A modest bonus that could help with an existing Asia Miles redemption. At 10%, we wouldn’t transfer speculatively.
Rove → JetBlue TrueBlue: 20%
An option for travelers earning Rove Miles who want to book eligible JetBlue flights. Compare the redemption value before transferring.
How Much Can You Save With a Transfer Bonus?
Here’s how many credit card points you would need to receive 60,000 airline miles, assuming a standard 1:1 transfer ratio and applicable rounding rules.
| Transfer Bonus | Credit Card Points Needed | Savings vs. 60,000 |
|---|---|---|
| No bonus | 60,000 | — |
| 10% | 54,546 | 5,454 |
| 20% | 50,000 | 10,000 |
| 30% | 46,154 | 13,846 |
| 35% | 44,445 | 15,555 |
These examples use mathematical minimums. Actual transfer requirements may be higher depending on the issuer’s transfer increments and rounding policies.
The difference is substantial, particularly when booking two business-class tickets.
A well-timed transfer bonus could save tens of thousands of flexible credit card points across a single trip.
Should You Transfer Points Without a Booking?
Our general answer is no.
We love maximizing travel rewards, but transferable credit card points are valuable because they give you options.
Once points are transferred to an airline or hotel loyalty program, transfers are usually final.
Before transferring, we recommend:
- Find the actual flight or hotel you want to book.
- Confirm award availability for your dates and number of travelers.
- Compare the points required through alternative programs.
- Factor in taxes, fees, and surcharges.
- Check the applicable transfer bonus and transfer ratio.
- Transfer only what you need and complete the booking as soon as the points arrive.
A fantastic transfer bonus doesn’t help much if you can’t find a redemption worth booking.
Our November 2026 Verdict
If we were prioritizing which promotions to investigate this month, we’d start with Chase’s 30% Avios bonus, followed closely by Capital One’s 20% Flying Blue bonus.
Both offer compelling possibilities for travelers targeting international premium-cabin redemptions.
Virgin Atlantic’s 30% promotion is another one to watch, particularly if you’ve already located attractive award availability.
For hotel transfers, we’d be more selective. The Chase-to-IHG 80% bonus and Amex-to-Marriott 35% bonus are eye-catching, but neither automatically guarantees good value.
Ultimately, the best transfer bonus is the one that helps you book a trip you were already planning for fewer points.
Final Thoughts
One of the things we love most about points and miles is that there’s always another opportunity around the corner.
Transfer bonuses can turn an already-good redemption into an exceptional one, especially when booking international business or first class.
We’ll continue tracking these promotions as November progresses, so bookmark this guide and check back for updates.
Where are you planning to travel next, and which points program are you hoping offers the next big transfer bonus?
Happy travels!
Life on Points
Disclaimer: This article is for informational purposes only. Promotional terms, availability, and transfer ratios are subject to change. Confirm eligibility, bonus rates, transfer minimums, and deadlines directly with your credit card issuer and loyalty program before transferring. We may earn commissions from qualifying affiliate links where disclosed.