Home › Transfer bonuses › Worth it?
Is this transfer bonus worth it? The math on every live bonus
A bigger bonus isn't always a better deal. For each live bonus we compare what your bank points are worth if you keep them, move them with the bonus, or cash them out, using published average values. Then type what your award costs and see how many bank points you really need. Each card also shows the past bonuses on that same transfer, so you can see if this one is rare or routine.
Rule of thumb from every guide we read: find the award first, then move only what that booking needs. Transfers can't be undone.
Quick answer
| Transfer | Bonus | You get per 1,000 | Value per bank point, moved vs kept | Break-even per partner point | On average | Past bonuses (range, count) |
|---|---|---|---|---|---|---|
| Rove → JetBlue TrueBlue | +20% | 1,200 | 1.62¢ vs 1.5¢ | 1.25¢ | Worth a look | None listed |
| Capital One → Air France-KLM Flying Blue | +20% | 1,200 | 1.68¢ vs 1.85¢ | 1.54¢ | Specific booking only | 20% (7) |
| Chase → Aer Lingus AerClub | +30% | 1,300 | 1.82¢ vs 2.05¢ | 1.58¢ | Specific booking only | 20–30% (4) |
| Chase → British Airways Club | +30% | 1,300 | 1.82¢ vs 2.05¢ | 1.58¢ | Specific booking only | 20–30% (10) |
| Chase → Iberia Club | +30% | 1,300 | 1.82¢ vs 2.05¢ | 1.58¢ | Specific booking only | 20–30% (4) |
| Citi → Cathay Pacific Asia Miles | +10% | 1,100 | 1.43¢ vs 1.9¢ | 1.73¢ | Specific booking only | 10–20% (7) |
| Chase → IHG One Rewards | +80% | 1,800 | 1.08¢ vs 2.05¢ | 1.14¢ | Specific booking only | 50–100% (13) |
| Amex → Marriott Bonvoy | +35% | 1,350 | 1.01¢ vs 2¢ | 1.48¢ | Specific booking only | 20–50% (16) |
| Chase → Wyndham Rewards | +30% | 1,300 | 0.72¢ vs 2.05¢ | 1.58¢ | Rarely | 30% (1) |
"Moved" = partner points received × that program's published value. "Kept" = the bank currency's published value (Upgraded Points; Rove from Upgraded Points). Averages are not promises: a great redemption can beat them, a poor one can fall short.
Rove → JetBlue TrueBlue: +20%
Ends Sat Nov 14, 11:59pm ET
1,000 Rove points become 1,200 JetBlue TrueBlue points. Worth a look on average: moving gains value at published values. Still find the award first.
Is +20% rare?
Frequent Miler's list of past transfer bonuses has no earlier Rove → JetBlue TrueBlue bonus, so there's no history to compare this one to.
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026.
| 10,000 Rove points… | Worth about | Based on |
|---|---|---|
| Kept in Rove | $150 | 1.5¢ each (Upgraded Points, 2026-10-03) |
| Moved to JetBlue TrueBlue with the bonus (12,000 pts) | $162 ($156–$168) | 1.35¢ per JetBlue TrueBlue point (The Points Guy; range across sources) |
Break-even: moving beats keeping only if your booking gets at least 1.25¢ per JetBlue TrueBlue point (cash price ÷ points price).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: rove.com. Confirm the offer in your Rove account before you move anything.
Capital One → Air France-KLM Flying Blue: +20%
Ends Mon Nov 30, 11:59pm ET · Blog-reported
1,000 Capital One points become 1,200 Flying Blue points. Only for a specific booking. On average you give up value versus keeping your Capital One points, though it beats cashing out at 1¢.
Is +20% rare?
Frequent Miler's list of past bonuses shows 7 earlier Capital One → Flying Blue bonuses since Jun 2019 at 20%. This +20% ties the highest on that list. Most recent: 20%, Aug 29 – Sep 29, 2024.
See all 7 past Capital One → Flying Blue bonuses
- 20% · Aug 29 – Sep 29, 2024
- 20% · Jul 1 – Jul 31, 2023
- 20% · Aug 1 – Aug 31, 2022
- 20% · Nov 1 – Nov 30, 2021
- 20% · Sep 1 – Sep 30, 2021
- 20% · Nov 1 – Nov 30, 2019
- 20% · Jun 1 – Jun 30, 2019
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Capital One points… | Worth about | Based on |
|---|---|---|
| Kept in Capital One | $185 | 1.85¢ each (The Points Guy, 2026-10-01) |
| Moved to Flying Blue with the bonus (12,000 pts) | $168 ($120–$168) | 1.4¢ per Flying Blue point (The Points Guy; range across sources) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.54¢ per Flying Blue point (cash price ÷ points price).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: frequentmiler.com. Confirm the offer in your Capital One account before you move anything.
Chase → Aer Lingus AerClub: +30%
Ends Tue Dec 1, 11:59pm ET · Blog-reported
1,000 Chase points become 1,300 Aer Lingus AerClub points. Only for a specific booking. On average you give up value versus keeping your Chase points, though it beats cashing out at 1¢.
Is +30% rare?
Frequent Miler's list of past bonuses shows 4 earlier Chase → Aer Lingus AerClub bonuses since Oct 2024, from 20% to 30%. This +30% ties the highest on that list. 30% or more: 2 times before (Oct 2024, Oct 2025). Most recent: 20%, Mar 1 – Mar 31, 2026.
See all 4 past Chase → Aer Lingus AerClub bonuses
- 20% · Mar 1 – Mar 31, 2026
- 30% · Oct 1 – Oct 31, 2025
- 20% · Mar 1 – Mar 31, 2025
- 30% · Oct 1 – Oct 31, 2024
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Chase points… | Worth about | Based on |
|---|---|---|
| Kept in Chase | $205 | 2.05¢ each (The Points Guy, 2026-10-01) |
| Moved to Aer Lingus AerClub with the bonus (13,000 pts) | $182 ($162–$182) | 1.4¢ per Aer Lingus AerClub point (The Points Guy; range across sources) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.58¢ per Aer Lingus AerClub point (cash price ÷ points price).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: frequentmiler.com. Confirm the offer in your Chase account before you move anything.
Chase → British Airways Club: +30%
Ends Tue Dec 1, 11:59pm ET · Blog-reported
1,000 Chase points become 1,300 BA Avios points. Only for a specific booking. On average you give up value versus keeping your Chase points, though it beats cashing out at 1¢.
Is +30% rare?
Frequent Miler's list of past bonuses shows 10 earlier Chase → BA Avios bonuses since Apr 2019, from 20% to 30%. This +30% ties the highest on that list. 30% or more: 7 times before (…, Jul 2022, Sep 2023, Oct 2024, Oct 2025). Most recent: 20%, Mar 1 – Mar 31, 2026.
See all 10 past Chase → BA Avios bonuses
- 20% · Mar 1 – Mar 31, 2026
- 30% · Oct 1 – Oct 31, 2025
- 20% · Mar 1 – Mar 31, 2025
- 20% · Feb 8 – Feb 9, 2025
- 30% · Oct 1 – Oct 31, 2024
- 30% · Aug 29 – Sep 22, 2023
- 30% · Jun 1 – Jul 31, 2022
- 30% · Aug 30 – Sep 26, 2021
- 30% · Nov 9 – Dec 9, 2020
- 30% · Apr 22 – Jun 17, 2019
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Chase points… | Worth about | Based on |
|---|---|---|
| Kept in Chase | $205 | 2.05¢ each (The Points Guy, 2026-10-01) |
| Moved to BA Avios with the bonus (13,000 pts) | $182 ($156–$182) | 1.4¢ per BA Avios point (The Points Guy; range across sources) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.58¢ per BA Avios point (cash price ÷ points price).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: frequentmiler.com. Confirm the offer in your Chase account before you move anything.
Chase → Iberia Club: +30%
Ends Tue Dec 1, 11:59pm ET · Blog-reported
1,000 Chase points become 1,300 Iberia Club points. Only for a specific booking. On average you give up value versus keeping your Chase points, though it beats cashing out at 1¢.
Is +30% rare?
Frequent Miler's list of past bonuses shows 4 earlier Chase → Iberia Club bonuses since Oct 2024, from 20% to 30%. This +30% ties the highest on that list. 30% or more: 2 times before (Oct 2024, Oct 2025). Most recent: 20%, Mar 1 – Mar 31, 2026.
See all 4 past Chase → Iberia Club bonuses
- 20% · Mar 1 – Mar 31, 2026
- 30% · Oct 1 – Oct 31, 2025
- 20% · Mar 1 – Mar 31, 2025
- 30% · Oct 1 – Oct 31, 2024
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Chase points… | Worth about | Based on |
|---|---|---|
| Kept in Chase | $205 | 2.05¢ each (The Points Guy, 2026-10-01) |
| Moved to Iberia Club with the bonus (13,000 pts) | $182 ($162–$182) | 1.4¢ per Iberia Club point (The Points Guy; range across sources) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.58¢ per Iberia Club point (cash price ÷ points price).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: frequentmiler.com. Confirm the offer in your Chase account before you move anything.
Citi → Cathay Pacific Asia Miles: +10%
Ends Sat Nov 14, 11:59pm ET · Blog-reported
1,000 Citi points become 1,100 Cathay Pacific Asia Miles points. Only for a specific booking. On average you give up value versus keeping your Citi points, though it beats cashing out at 1¢.
Is +10% rare?
Frequent Miler's list of past bonuses shows 7 earlier Citi → Cathay Pacific Asia Miles bonuses since Aug 2017, from 10% to 20%. This +10% is at the low end of that range. Most recent: 15%, Jun 16 – Jul 20, 2024.
See all 7 past Citi → Cathay Pacific Asia Miles bonuses
- 15% · Jun 16 – Jul 20, 2024
- 10% · Dec 29 – Mar 31, 2024
- 15% · Jun 20 – Jul 22, 2023
- up to 15% · Sep 14 – Nov 12, 2022
- 10% · Jan 1 – Jan 31, 2020
- 15% · Jun 9 – Jul 4, 2018
- 20% · Aug 7 – Sep 6, 2017
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Citi points… | Worth about | Based on |
|---|---|---|
| Kept in Citi | $190 | 1.9¢ each (The Points Guy, 2026-10-01) |
| Moved to Cathay Pacific Asia Miles with the bonus (11,000 pts) | $143 | 1.3¢ per Cathay Pacific Asia Miles point (The Points Guy) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.73¢ per Cathay Pacific Asia Miles point (cash price ÷ points price).
Citi Strata / Double Cash / Custom Cash transfer at 1:0.7, so with the bonus they get 770 per 1,000, which needs an even better booking (break-even 2.47¢).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: doctorofcredit.com. Confirm the offer in your Citi account before you move anything.
Chase → IHG One Rewards: +80%
Ends Thu Dec 3, 11:59pm ET · Blog-reported
1,000 Chase points become 1,800 IHG points. Only for a specific booking. On average you give up value versus keeping your Chase points, though it beats cashing out at 1¢.
Is +80% rare?
Frequent Miler's list of past bonuses shows 13 earlier Chase → IHG bonuses since Aug 2020, from 50% to 100%. This +80% is above the typical 70%. 80% or more: 5 times before (…, Apr 2025, Sep 2025, Oct 2025, Jul 2026). Most recent: 70%, Jul 31 – Aug 31, 2026.
See all 13 past Chase → IHG bonuses
- 70% · Jul 31 – Aug 31, 2026
- 100% · Jul 15 – Jul 30, 2026
- 70% · Apr 1 – Apr 30, 2026
- 70% · Dec 1 – Jan 15, 2026
- 80% · Oct 1 – Oct 22, 2025
- 100% · Aug 16 – Sep 4, 2025
- 80% · Apr 1 – Apr 30, 2025
- 70% · Dec 4 – Jan 15, 2025
- 80% · Jul 1 – Jul 31, 2024
- 60% · Feb 1 – Mar 1, 2024
- 70% · Jul 1 – Jul 31, 2023
- 50% · Jul 15 – Aug 15, 2022
- 60% · Aug 1 – Aug 31, 2020
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Chase points… | Worth about | Based on |
|---|---|---|
| Kept in Chase | $205 | 2.05¢ each (The Points Guy, 2026-10-01) |
| Moved to IHG with the bonus (18,000 pts) | $108 ($90–$108) | 0.6¢ per IHG point (The Points Guy; range across sources) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.14¢ per IHG point (cash price ÷ points price).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: frequentmiler.com. Confirm the offer in your Chase account before you move anything.
Amex → Marriott Bonvoy: +35%
Ends Thu Dec 10, 11:59pm ET · Targeted: check your account Blog-reported
1,000 Amex points become 1,350 Marriott points. Only for a specific booking. On average you give up value versus keeping your Amex points, though it beats cashing out at 1¢.
Is +35% rare?
Frequent Miler's list of past bonuses shows 16 earlier Amex → Marriott bonuses since Jun 2019, from 20% to 50%. This +35% is above the typical 30%. 35% or more: 5 times before (…, Oct 2020, Jun 2021, May 2023, Dec 2024). Most recent: 20%, Jun 1 – Jun 30, 2026.
See all 16 past Amex → Marriott bonuses
- 20% · Jun 1 – Jun 30, 2026
- 30% · Oct 1 – Nov 30, 2025
- 20% · Jul 1 – Jul 14, 2025
- 25% · Mar 17 – Mar 21, 2025
- 35% · Nov 1 – Dec 31, 2024
- 20% · Nov 1 – Nov 30, 2023
- 50% · Mar 1 – May 15, 2023
- 20% · Sep 1 – Oct 31, 2022
- 25% · Apr 1 – May 31, 2022
- 30% · Sep 1 – Sep 30, 2021
- 40% · Mar 15 – Jun 15, 2021
- 30% · Dec 1 – Dec 31, 2020
- 40% · Sep 1 – Oct 31, 2020
- 30% (targeted) · Jan 3 – Jan 31, 2020
- 30% · Sep 4 – Oct 31, 2019
- 50% (targeted) · Jun 20 – Jun 27, 2019
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Amex points… | Worth about | Based on |
|---|---|---|
| Kept in Amex | $200 | 2¢ each (The Points Guy, 2026-10-01) |
| Moved to Marriott with the bonus (13,500 pts) | $101 ($94–$101) | 0.75¢ per Marriott point (The Points Guy; range across sources) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.48¢ per Marriott point (cash price ÷ points price).
Marriott's standing Stay for 5 / Pay for 4 (five consecutive award nights on one reservation; cheapest night free) can stack with a transfer bonus. Price the 5-night stay after the free night, then run the break-even on that blended points cost - not on a single night.
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: upgradedpoints.com. Confirm the offer in your Amex account before you move anything.
Chase → Wyndham Rewards: +30%
Ends Thu Dec 3, 11:59pm ET · Blog-reported
1,000 Chase points become 1,300 Wyndham Rewards points. Rarely worth it: on average it's worth less than keeping or even cashing out. Only for a booking you've priced.
Is +30% rare?
Frequent Miler's list of past bonuses shows 1 earlier Chase → Wyndham Rewards bonus in Mar 2026 at 30%. This +30% ties the highest on that list. Most recent: 30%, Mar 5 – Mar 31, 2026.
See all 1 past Chase → Wyndham Rewards bonuses
- 30% · Mar 5 – Mar 31, 2026
Source: Frequent Miler expired-bonus table, checked Oct 14, 2026. Past bonuses don't promise a future one, and a bigger bonus still needs a good booking.
| 10,000 Chase points… | Worth about | Based on |
|---|---|---|
| Kept in Chase | $205 | 2.05¢ each (The Points Guy, 2026-10-01) |
| Moved to Wyndham Rewards with the bonus (13,000 pts) | $72 ($72–$117) | 0.55¢ per Wyndham Rewards point (The Points Guy; range across sources) |
| Cashed out | $100 | 1¢ each (NerdWallet cash-out floor) |
Break-even: moving beats keeping only if your booking gets at least 1.58¢ per Wyndham Rewards point (cash price ÷ points price).
Bonus points can take up to a few days (sometimes up to 7) to post. Confirm the award first; transfers usually can't be undone.
Source for the bonus: frequentmiler.com. Confirm the offer in your Chase account before you move anything.
How to use this
- Price the stay or flight first in the airline or hotel's own search, then divide the cash price by the points price. That's your cents per point.
- If it's above the break-even, the bonus is helping. If not, keep the bank points or pay cash.
- Is this bonus rare? Check the "past bonuses" line on each card. A bonus that comes back every few months is no reason to move points early; a record one still only pays off with a good booking.
- Topping up a balance for a booking you've already found is where most hotel bonuses make sense.
- Marriott Bonvoy: if you can stay five consecutive nights on points, Stay for 5 / Pay for 4 makes the cheapest night free - stack that with a transfer bonus and run the break-even on the blended cost.
- Not sure which bank to use? Which bank first? splits it across your balances (and can prefill from your wallet). Want every option? Open the app.
Values: The Points Guy, Upgraded Points, NerdWallet (cash-out floor). Updated Nov 1, 2026. We never touch your accounts.
Related guide: How to use Qatar’s tiered Avios transfer bonus (15%, 25%, 35%)