Transfer Bonus Calculator

A transfer bonus adds points or miles to a qualifying transfer. With a 1:1 standard ratio and a 30% bonus, 10,000 source points produce 10,000 base partner points plus 3,000 bonus points. Offers can come from the source program or the receiving loyalty program. Always check that offer's terms.

Yes. Enter 0 in the bonus field. The calculator will use your standard ratio, existing balance, transfer increment and minimum to calculate the transfer.

Enter source points on the left and partner points on the right. For 1:2, enter 1 and 2. For 5:4, enter 5 and 4. Use the standard ratio before the promotional bonus so the bonus is not counted twice. Your card type can affect the ratio; verify it in your own account.

You may only be able to transfer in set increments. If the calculation calls for 50,001 source points and the increment is 1,000, the result rounds up to 51,000. It also accounts for the minimum you entered. Any extra partner points appear in the result as points above your award target.

That depends on the offer. The base transfer and bonus may post at different times, particularly when the receiving program awards the bonus separately. Our result shows the estimated total after the full bonus posts. Check timing before relying on bonus points for a booking.

Points transfers are generally irreversible. Canceling an award booking usually returns eligible points to the airline or hotel program, not to your issuing bank. Cancellation fees and refund rules vary, so check both the transfer terms and the award's cancellation policy before proceeding.

A bonus can reduce the source points needed for an award, but it is not a reason on its own to transfer. Check availability, fees and the itinerary first. Keeping points in a flexible program may give you more options if your plans change. A high CPP does not make up for a trip that costs you too much time or adds inconvenient connections.

Be cautious about transferring points just to capture a bonus. Have a realistic plan to use them, preferably within the next year or two and before the program's expiration deadline. Once transferred, you lose flexibility, and award prices or availability may change.

Many programs reset the expiration clock when you earn or redeem points through qualifying activity. Depending on the program, that could include a flight, hotel stay, eligible shopping purchase, buying miles or another points transfer. Check the specific rules before relying on an activity to extend your balance. Some programs have fixed expiration dates that ordinary activity does not extend. A gift card purchase or redemption only helps if the program counts it as qualifying activity.

No. You enter the ratio and bonus from the offer you are considering. It models one flat percentage bonus with no cap. It does not apply targeted eligibility, tiered rates, fixed extra bonuses, transfer fees or program-specific rounding rules. For those offers, check the provider's transfer preview and terms.