November Credit Card and Loyalty Program Transfer Bonuses [Up to 50%!]

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 2025

Accor Live Limitless to Vietnam Airlines

Between November 7 and November 30, 2025, you can convert your Accor hotel points into Vietnam Airlines Lotusmiles with a 50% bonus.

Typically, transfers are done at a 3:2 ratio. The elevated rate with this offer becomes 1:1.

Amex Membership Rewards to Avianca LifeMiles

From now through November 30, 2025, you can receive a 15% bonus on transfers from Amex Membership Rewards to Avianca LifeMiles. The elevated transfer ratio is 1:1.15, rather than the typical 1:1.

LifeMiles is a great program with some fantastic redemption options on everything from economy to first class, and it doesn’t add on hefty award fees like some other programs. That said, be wary of its clunky website and some high change and cancellation fees if you need to change your reservation later on.

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 British Airways

Through November 22, 2025, you can receive a 20% bonus when transferring your Capital One Miles to British Airways. The elevated transfer rate is 1:1.2.

While there is no shortage of ways to redeem British Airways Avios for significant value, one of our favorite ways is to redeem them to fly Qatar Qsuite, arguably one of the world’s best business class experiences.

Usually, flights from New York (JFK) to Doha (DOH) in Qatar QSuite would set you back 70,000 Avios for a one-way ticket. Thanks to the 20% transfer bonus, this would cost you just 59,000 Capital One miles.

Chase Ultimate Rewards to Southwest Rapid Rewards

Through November 6, 2025, you can get a 25% transfer bonus from Chase to Southwest Airlines. The increased transfer ratio is 1:1.25.

We typically don’t recommend transferring highly valuable Chase Ultimate Rewards points to Southwest Rapid Rewards. However, if you need some points in your Rapid Rewards account, this transfer bonus period makes it a better time to do so.

Citi ThankYou Points to Qantas Frequent Flyer

Through November 8, 2025, you can get a 20% transfer bonus from Citi to Qantas. The increased transfer ratio is 1:1.2

Qantas Frequent Flyer has some valuable redemption options, including flights on both Qantas and its partner airlines. Short, domestic flights in the U.S. and long-haul flights to Australia can both provide good value using these points.

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.

Vietnam Airlines to Accor Hotels

Between November 7 and November 30, 2025, you can convert Vietnam Airlines Lotusmiles to Accor Live Limitless hotel points with a 50% bonus.

The standard transfer rate is 5:1, though this offer makes the transfer rate 5:1.5. This won’t make sense for most people.

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.