July 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 July 2025

Amex Membership Rewards to Aer Lingus, British Airways, and Iberia Avios

From now through July 15, 2025, there’s a 30% transfer bonus from Amex Membership Rewards to the Aer Lingus, British Airways, and Iberia Avios programs. The elevated transfer rate is 1:1.3.

There are many sweet spots when redeeming Avios, especially on short-haul U.S. domestic flights. However, one great example is booking flights with Qatar Airways, as the airline uses Avios as its reward currency.

Thanks to that partnership, you can book and fly the famous Qsuites on long-haul international flights for as low as 70,000 Avios each way! That means with this 30% bonus promotion, you could be flying in one of the world’s best business class seats for just 54,000 Membership Rewards points!

Amex Membership Rewards to Avianca LifeMiles

Until July 31, 2025, there’s a 15% transfer bonus from Amex to LifeMiles, offered directly by LifeMiles — meaning you won’t see this bonus within your Membership Rewards account. The elevated transfer rate is 1:1.15.

This is a publicly available offer, and the LifeMiles program provides some great redemption rates on Star Alliance airlines without the high taxes and fees you’ll see when using miles in some other programs.

Amex Membership Rewards to Hilton Honors (Targeted)

For a limited time, there is a targeted 30% transfer bonus from Amex Membership Rewards to the Hilton Honors program. The elevated transfer rate is 1:2.6, and there’s no end date listed on this offer.

If your account is targeted, this opens up a route to get even more value out of your Hilton redemptions, but it is still generally only worth it if you’re staying at high-end or expensive properties, even more so if you’re getting the fifth night free.

Amex Membership Rewards to Marriott Bonvoy

From now through July 14, 2025, there’s a 20% transfer bonus from Amex Membership Rewards to the Marriott Bonvoy program. The elevated transfer rate is 1:1.2.

We value Amex Membership Rewards points at 2.2 cents per point, and Marriott points at just 0.7 cents per point. That’s a net loss of 60% on the original value of the Amex points — not a great deal.

Chase Ultimate Rewards to Air Canada Aeroplan

From now through July 17, 2025, there’s a 20% transfer bonus from Chase Ultimate Rewards to the Air Canada Aeroplan program. The elevated transfer rate is 1:1.2. To make the deal even sweeter, if you also have the Aeroplan^® Credit Card, you’ll receive an additional 10% bonus, totaling a 30% bonus on transfers of 50,000 points or more.

With over 50 airline partners and the option to add stopovers for only 5,000 points, Air Canada Aeroplan is one of our favorite programs, so bonus points are always welcome.

Some examples to inspire your wanderlust:

• Houston (IAH) to Rio de Janeiro (GIG) for 60,000 points one-way in United Polaris business class
• New York (JFK) to Abu Dhabi (AUH) for 85,000 points one-way in Etihad Airways business class
• San Francisco (SFO) to Auckland (AKL) for 75,000 points one-way in Air New Zealand business class
• Seattle (SEA) to Tokyo-Narita (NRT) for 55,000 points one-way in ANA business class

Chase Ultimate Rewards to Marriott Bonvoy

Until August 15, 2025, there’s a 50% transfer bonus from Chase Ultimate Rewards to Marriott Bonvoy. The elevated transfer ratio is 1:1.5.

Generally speaking, we don’t recommend transferring your Chase points to Marriott points, even with a bonus. However, there are occasions where booking some properties using Marriott Bonvoy points transferred from Ultimate Rewards would equate to significant savings.

Citi ThankYou Rewards to Flying Blue

Until July 19, 2025, there’s a 20% transfer bonus from Citi to Air France-KLM Flying Blue. The elevated transfer ratio is 1:1.2. You’ll see this bonus listed clearly in your Citi ThankYou Points account.

We love using the Flying Blue program for business class redemptions and availability between the U.S. and Europe, which can be even lower with Promo Rewards!

Citi ThankYou Rewards to ALL – Accor Live Limitless

Citi is also offering a 50% bonus on transfers to ALL – Accor Live Limitless through July 19, 2025. With the bonus, points transfer at a 2:1.5 ratio, meaning 1,000 Citi ThankYou Points become 750 ALL Reward points.

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’ll be able to use fewer points and get even more value out of your next award booking!

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