December Credit Card and Loyalty Program Transfer Bonuses [Up to 70%!]

It’s a new month, which means a fresh set of transfer bonuses to take advantage of.

Today, we’ll examine this month’s newest transfer bonuses for the top transferable rewards programs so you can get the most out of your hard-earned points and miles.

Here’s everything you need to know!

New Transfer Bonuses for December 2025

Amex Membership Rewards to Virgin Atlantic Flying Club

Through December 31, 2025, you can receive a 40% bonus when transferring your Amex Membership Rewards to Virgin Atlantic Flying Club.

The elevated transfer rate is 1:1.4, which is one of the best we’ve ever seen. You can book award tickets on SkyTeam airlines like Delta Air Lines or Korean Air at an incredible rate, so you’ll definitely want to take advantage of this promotion before it ends.

Chase Ultimate Rewards to Air Canada Aeroplan

Through January 5, 2026, there’s a transfer bonus from Chase to Aeroplan, offering up to a 35% bonus. If you have the 35% bonus offer, the elevated transfer rate is 1:1.35.

The 35% transfer bonus is only available if you have the Aeroplan^® Credit Card; otherwise, the maximum transfer rate is 25%. Even then, the bonus amount depends on how many points you’re transferring.

Aeroplan is a valuable program with numerous valuable redemptions available.

Chase Ultimate Rewards to IHG One Rewards

Until January 15, 2026, you can take advantage of a 70% transfer bonus from Chase to IHG. The increased transfer ratio is 1:1.7.

While a 70% transfer bonus to IHG One Rewards sounds great, it’s worth checking the math. Based on our monthly valuations, Chase points are worth 2 cents each, while IHG points are worth 0.5 cents each. Using this offer, you can turn 1,000 Chase points (worth $20) into 1,700 IHG points (worth $8.50). That’s not a good idea.

Chase Ultimate Rewards to Virgin Atlantic Flying Club

Until December 5, 2025, you can get a 30% transfer bonus from Chase to Virgin Atlantic. The increased transfer ratio is 1:1.3.

The Virgin Atlantic Flying Club program can charge high fees on award tickets in premium cabins, so it’s worth knowing that. Even still, the program offers some incredibly valuable uses of Virgin Points, and this transfer bonus makes those easier to attain.

Emirates Skywards to Accor Live Limitless

From December 1 to December 20, 2025, you can get a 30% conversion bonus when turning your Emirates Skywards miles into Accor Live Limitless hotel points. The elevated transfer rate is 4,000:1,300.

Japan Airlines to Accor Live Limitless

Between December 1 and December 20, 2025, you can transfer Mileage Bank miles to Accor Live Limitless with a 30% bonus. The elevated transfer rate with this offer is 5,000:1,300.

Qatar Airways to Accor Live Limitless

From December 1 to December 20, 2025, transfer Qatar Airways Privilege Club Avios to Accor points with a 30% bonus. Using this offer, the elevated transfer rate is 3,500:1,350.

Rove Miles to Finnair Plus

Rove Miles is offering a 20% transfer bonus to Finnair Plus through December 31, 2025. That makes the elevated transfer rate 1:1.2 until the end of the year.

There are some great ways to use Finnair Plus Avios, including redemptions on Oneworld airlines and flying Finnair business class or premium economy on numerous routes, including great redemptions on its flights to the U.S.

Singapore Airlines to Accor Live Limitless

Between December 1 and December 20, 2025, transfer KrisFlyer miles to Accor Live Limitless with a 30% bonus. The elevated transfer rate in this offer is 4,500:1,300.

Wyndham Rewards to Singapore Airlines

There’s a 20% transfer bonus available until December 27, 2025, and applies to transfers from Wyndham Rewards to Singapore Airlines KrisFlyer. Normally, 6,000 Wyndham points convert to 1,200 KrisFlyer miles. With the current offer, the transfer rate is 6,000:1,440.

Final Thoughts

Earning transferable points is always a great idea since they’re so flexible when it comes time to book your trip. You can choose to book your hotel or flight through whichever program provides the best deal, transferring points once you’ve found something you like. Elevated transfer bonuses make transferable rewards even better because you can use fewer points and get even more value out of your next award booking!

That said, remember that transfers can’t be undone, so be sure you have a plan for using points in these rewards programs before moving your credit card points to an airline or hotel’s program. If you change your mind, or if you can’t find the travel you wanted to book, you can’t send the points back.

Remember that transfer bonuses are usually available just for a limited time. Thus, if you’re interested in any of these offers, make sure you take advantage of them before the expiration date.