July Credit Card and Loyalty Program Transfer Bonuses [Up to 100%!]

Updated: July 19, 2026, 6:19am CDT

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New Transfer Bonuses for July 2026
Final Thoughts

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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 July 2026

Accor Live Limitless to Japan Airlines

Through July 31, 2026, there’s a 20% transfer bonus from Accor Live Limitless (ALL) to Japan Airlines Mileage Bank. The elevated transfer rate is 4,000:2,200.

Mileage Bank is a valuable airline rewards program, with miles typically worth around 1.3 cents each. ALL uses a fixed-value system, and points are worth 2.32 cents each whenever you use them. Should you trade $52 worth of airline miles for $51.04 worth of hotel points? If you have a good use for them, it could make sense.

Amex Membership Rewards to Virgin Atlantic

Until July 31, 2026, there’s a new 30% transfer bonus from American Express to Virgin Atlantic. The elevated transfer rate is 1:1.3.

Flying Club offers some great redemptions, though taxes and fees can be expensive on redemptions in first or business class. Remember that Virgin offers multiple loyalty programs, and you can also move Flying Club points into Virgin Red for hotel, lifestyle, and cruise redemptions as well. This is effectively a 30% transfer bonus from Amex to Virgin Red as well.

Capital One Miles to EVA Air

Until July 31, there’s a 30% transfer bonus from Capital One to EVA Air Infinity MileageLands. The elevated transfer rate is 1:0.975, up from the typical 1:0.75. That means 1,000 Capital One miles become 750 EVA Air miles with the transfer bonus.

There are some great uses of EVA Air Infinitely MileageLands miles, and this transfer bonus moves the ratio closer to 1:1. However, Citi ThankYou Points transfer to EVA at a 1:1 ratio all the time, beating what Capital One offers with this promotion.

Chase Ultimate Rewards to IHG One Rewards

Through July 30, 2026, there’s a 100% transfer bonus from Chase to IHG. The elevated transfer rate is 1:2.

IHG One Rewards is an easy-to-use program, but its dynamic pricing means this deal isn’t a slam dunk. You’re trading $20 for $10 with this transfer — even accounting for the 100% bonus. You need to redeem IHG points at above-average value for this to make sense, unless you’re just topping off your account with a few points for a redemption.

After July 30, this promotion will continue through August 31 with a 70% transfer bonus.

Hot Tip:

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

Citi ThankYou Points to Flying Blue

Until August 22, 2026, there’s a 20% transfer bonus from Citi to Flying Blue, the joint program of Air France and KLM. The elevated transfer rate is 1:1.2.

Flying Blue has some great award pricing, especially on shorter SkyTeam flights and flights between the U.S. and Europe. It can also show high taxes and fees and sky-high pricing as seats disappear. If you book early or have travel flexibility, the program can provide real value.

Japan Airlines to Accor Live Limitless

Through July 31, 2026, there’s a 20% transfer bonus when turning Mileage Bank miles into ALL points. The elevated transfer rate is 5,000:1,200.

Redeeming Mileage Bank miles provides an average value of 1.3 cents, while Accor’s points are always worth a flat rate: 2.32 cents each. This offer means turning $65 worth of airline miles into $27.84 worth of hotel points — not a good idea unless you have absolutely no use for Japan Airlines miles.

Rove Miles to Frontier Airlines

Until July 31, 2026, Rove Miles is offering a 25% transfer bonus to Frontier Miles. The elevated transfer rate is 1:1.25.

Frontier Miles is the loyalty program of Frontier Airlines, and we value these miles at 1.1 cents each. It’s hard to get much more than that when redeeming miles. Conversely, we value Rove Miles at 1.5 cents each, so turning 1.5 cents into 1.375 cents (after the transfer bonus) won’t make sense for most people.

Rove Miles to Qantas Frequent Flyer

Through August 14, 2026, there’s a 50% transfer bonus from Rove to Qantas Frequent Flyer. The elevated transfer rate is 1:1.5.

Qantas Frequent Flyer can be a valuable program for Oneworld redemptions, though its recent devaluations have changed how valuable the program is at present. That said, there are still some good redemptions be found.

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 choose to book your hotel or flight through whichever program offers the best deal, then transfer 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 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. Thus, if you’re interested in any of these offers, make sure you take advantage of them before the expiration date.