October Credit Card and Loyalty Program Transfer Bonuses [Up to 80%!]

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 October 2025

Accor Live Limitless to Club Eurostar

Through October 18, 2025, Accor members can get a 50% conversion bonus when sending their points to Club Eurostar, the train rewards program in Europe.

Typically, conversions are done at a rate of 2,000 Accor points to 3000 Club Eurostar points. With this promotion, the improved transfer rate is 2,000:450.

Amex Membership Rewards to Air France-KLM Flying Blue

There’s a new limited-time 20% bonus when you transfer Amex Membership Rewards points to the Air France-KLM Flying Blue program. The elevated transfer ratio is 1:1.2 through October 31, 2025.

If you plan to use Air France-KLM Flying Blue miles in the near future, this is a great way to get more value from your points. It’s not the best transfer bonus we have ever seen, but it’s solid.

Amex Membership Rewards to Marriott Bonvoy

Through November 30, 2025, you can receive a 30% bonus when transferring your Amex Membership Rewards to Marriott Bonvoy. The elevated transfer rate is 1:1.3.

While any opportunity to get a transfer bonus might feel like good value, especially if you have upcoming travel in which you were planning to stay at a Marriott hotel, this isn’t always the case.

We value Marriott points at just 0.7 cents per point. This means if you were to transfer 1,000 Amex points (worth $22 based on our valuation), you would end up with 1,300 Marriott points (worth $9.10 based on our valuation). That’s a net loss of nearly 60% on the original value of the Amex points — not a great deal.

Capital One Miles to Japan Airlines

Capital One launched its newest transfer partner with a limited-time bonus, providing 30% bonus miles on transfers to Japan Airlines through October 22, 2025. The elevated transfer rate is 1:9.75, or 975 Mileage Bank miles for ever 1,0000 Capital One miles you transfer.

Japan Airlines’ Mileage Bank program provides some great redemption options on Japan Airlines and much more availability for its first- and business-class awards than what you’ll find booking with partners.

Chase Ultimate Rewards to Aer Lingus, British Airways, and Iberia Avios

Until October 31, 2025, you can transfer Chase Ultimate Rewards points to Aer Lingus, British Airways, and Iberia with a 30% bonus. This increases the transfer ratio to 1:1.3.

One sweet spot of this promotion — a fan favorite among award travelers — is booking one of the world’s best business class flight, Qatar Airways Qsuite, for as low as 70,000 Avios. The standard price is already a great deal for the flight experience you’ll receive. However, with the 30% bonus, you’ll need to transfer just 54,000 Ultimate Rewards points.

Chase Ultimate Rewards to IHG One Rewards

Until October 22, 2025, you can transfer Chase Ultimate Rewards points to the IHG One Rewards program with an 80% bonus. This increased the transfer ratio from 1:1 to 1:1.8.

In general, this promotion is not worth it unless you have a specific redemption in mind or need more points to pay for a stay. IHG stays are some of the most expensive points-wise across all hotel loyalty programs, and it’s not uncommon to see a stay cost well north of 80,000 points.

Citi ThankYou Rewards to Avianca LifeMiles

Until October 18, 2025, you can transfer Citi ThankYou Points to Avianca LifeMiles with a 25% bonus. That creates a 1:1.25 transfer rate for a limited time, and the bonus is clearly listed in your Citi account.

LifeMiles is a great program for booking Star Alliance airlines without hefty award fees or cash copays, include flights from the U.S. to Europe or transcontinental flights in business class, as well as short-haul flights in the U.S. with United.

Citi ThankYou Rewards to Qatar Airways Privilege Club

From now through October 15, 2025, Citi transfers to Qatar Airways have up to a 40% bonus. The bonus isn’t offered by Citi, so you won’t see it inside your ThankYou Rewards account. Instead, the promotion is offered directly by Privilege Club.

The bonus depends on how many points you transfer at once:

• 20% bonus on transfers up to 9,999 points
• 30% bonus on transfers of 10,000 to 49,999 points
• 40% bonus on transfers of 50,000 points or more

Citi ThankYou Rewards to Turkish Airlines Miles&Smiles

Until October 18, 2025, you can take advantage of a 50% transfer bonus from Citi to Turkish Airlines. That makes the transfer rate 1:1.5 for a limited time.

Miles&Smiles is the best way to book Turkish Airlines business class from the U.S. to Türkiye, and it’s also the best way to book flights from the continental U.S. to Hawaii — in either economy or business class — flying on United Airlines to get there.

Citi ThankYou Rewards to Virgin Atlantic Flying Club

Get a 30% bonus on points transfers from Citi to Virgin Atlantic until October 18, 2025. With this offer, the new transfer rate is 1:1.3.

Virgin Atlantic’s Flying Club program offers some incredible redemptions, like 6,000 points to London in economy or 29,000 in business class, but you’ll need to watch out for some high fees when booking premium cabins. Flying Club is also the best way to book ANA first class with points — even more attainable with this current bonus.

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.

Rove Miles to Flying Blue

Until October 22, 2025, Rove is offering a 20% bonus on transfers to Flying Blue, the joint program of Air France and KLM. With this promotion, the elevated transfer rate is 1:1.2

Flying Blue offers several great redemptions, including business class from the U.S. to Europe and monthly Promo Rewards that become ultra-cheap with this offer.

Shangri-La Circle to Singapore KrisFlyer

Through October 31, 2025, you can convert Shangri-La Circle points to KrisFlyer with a 25% bonus. That makes the new conversion rate 1:1.56, up from the typical conversion rate of 1:1.25 when converting these hotel points into airline miles.

Singapore KrisFlyer to Shangri-La Circle

This offer moves in the opposite direction of the offer above, also provides a 25% bonus, and it’s also available through October 31, 2025. You can transfer KrisFlyer airline miles to Shangri-La Circle hotel points at an elevated rate of 12:1.25, up from the typical 12:1 ratio.

Hot Tip:

You can always keep track of all the latest airline and hotel transfer bonuses by using our transfer partner tool calculator!

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 youo 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.