November 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 November 2026

Amex Membership Rewards to Marriott Bonvoy

Until December 10, there’s a 35% transfer bonus from Amex to the Marriott Bonvoy program. The higher transfer rate is 1:1.35, up from the typical 1:1. That means 1,000 Amex points become 1,350 Marriott points.

This transfer bonus is worth skipping for the vast majority of award travelers. One exception is if you need to top off your Marriott account with a small amount of points for an upcoming award stay.

Amex Membership Rewards to Virgin Atlantic

Until November 30, 2026, there’s a 30% transfer bonus from Amex Membership Rewards to Virgin Atlantic Flying Club. The elevated transfer rate is 1:1.3.

Flying Club offers some great redemptions. Those include not just Virgin Atlantic flights but also SkyTeam partners and even ANA business and first class. The taxes and fees on award tickets can be high, though.

Capital One Miles to Flying Blue

Until November 30, 2026, there’s a 20% transfer bonus from Capital One to Flying Blue, the joint program of Air France and KLM. The elevated transfer rate is 1:1.2.

Flying Blue offers great rates and improved access to award flights on both Air France and KLM, as well as access to award bookings on SkyTeam airlines.

Capital One Miles to 2 Virgin Programs

Through November 20, 2026, there’s a 30% transfer bonus from Capital One to 2 Virgin programs: Virgin Red and Virgin Atlantic Flying Club. The elevated transfer rate is 1:1.3.

The transfer bonus applies equally to Virgin Atlantic Flying Club — the airline rewards program you can use for booking flights — and Virgin Red, the lifestyle program you can use for booking cruises, hotels, and more.

Capital One Miles to Copa Airlines

Until December 1, 2026, there’s a 30% transfer bonus from Capital One to Copa Airlines ConnectMiles. The typical transfer rate is 4:3, so the elevated transfer rate is 10:9.75. That means you’ll get 975 Copa miles for every 1,000 Capital One miles you transfer.

Capital One added Copa Airlines ConnectMiles as a transfer partner on November 2, 2026. However, Citi also added Copa as a transfer partner recently, and Citi offers a better 1:1 transfer rate — for anyone whose ThankYou Points card has an annual fee — even when compared to Capital One’s transfer bonus right now.

Chase Ultimate Rewards to 3 Avios Programs

Until December 1, 2026, there’s a 30% transfer bonus from Chase to 3 Avios programs: Aer Lingus, British Airways, and Iberia. The elevated transfer rate is 1:1.3.

You can get the same transfer bonus whether you’re sending points to Aer Lingus AerClub, The British Airways Club, or Iberia Club, each of which has its own sweet spots and best uses. This can also be an opportunity to get Chase points to Qatar Airways or Finnair at a bonus, given that you can move Avios freely and instantly between several programs.

Chase Ultimate Rewards to IHG One Rewards

Through December 3, 2026, there’s an 80% transfer bonus from Chase to IHG. The elevated transfer rate is 1:1.8.

IHG One Rewards uses dynamic award pricing, and this transfer bonus won’t make sense for everyone. We value Chase points at 2 cents each but only value IHG points at 0.5 cents each, so you need to find an above-average-value IHG redemption before transferring your Chase points.

Chase Ultimate Rewards to Wyndham Rewards

Through December 3, 2026, there’s a 30% transfer bonus from Chase to Wyndham Rewards. The elevated transfer rate is 1:1.3.

Chase added Wyndham Rewards as a transfer partner earlier this year, and Wyndham Rewards has a simple 4-tier award chart. The math isn’t a slam dunk on this transfer bonus, but if you find good value for a Wyndham redemption, then it can make sense.

Citi ThankYou Points to Cathay Pacific

Until November 14, 2026, there’s a 10% transfer bonus from Citi to Cathay Pacific. The higher transfer rate is 1:1.1.

The Cathay program offers access to Cathay Pacific flights, round-the-world awards, and good pricing on Oneworld partner awards. Take a look at our favorite uses of Cathay Pacific’s Asia Miles to get some inspiration.

Rove Miles to JetBlue TrueBlue

Until November 14, 2026, there’s a 20% transfer bonus from Rove to JetBlue. The boosted transfer rate is 1:1.2 rather than the typical 1:1.

JetBlue operates on a fixed value rewards program for flights on its own metal, usually offering somewhere around 1.3 cents per point, so you’ll want to run the numbers before deciding if this transfer bonus makes sense for you.

United Airlines to Marriott Bonvoy

Through November 30, 2026, there’s a 20% transfer bonus from United Airlines to Marriott Bonvoy, the hotel program. The elevated transfer rate is 1:1.2.

MileagePlus miles are worth 1.2 cents each in our valuations, and Marriott Bonvoy points are worth 0.7 cents each. Even with the 20% transfer bonus, you’re turning $12 worth of airline miles into $8.40 worth of hotel points. This only makes sense if you have absolutely no use for United miles or are desperate for more Marriott points to enable an upcoming redemption.

Final Thoughts

Earning transferable points is always a great idea, since they’re so flexible when it’s time to book your trip. You can book your hotel or flight through whichever program offers the best deal, then transfer points once you’ve found something you like. Boosted 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 can’t find the trip you wanted to book, you can’t send the points back.

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