Transfer Bonus Tracker

British Airways, Iberia, Aer Lingus Avios

22 days left. 1:1.3 into all three Avios programs at once, and 30% ties the highest Chase has ever offered to Avios (2019, 2020, 2021). Avios move freely between British Airways, Iberia, Aer Lingus, Qatar, and Finnair, so transfer to whichever program shows the award you want, then shift if needed. Best uses: Iberia business to Madrid, Qatar Qsuites, Aer Lingus business to Dublin, and short-haul partner flights on American or Alaska. Skip British Airways metal on long-haul unless you are fine paying fuel surcharges. Confirmed by four independent trackers. Find the seat first, then move points

Virgin Atlantic Flying Club

11 days left, and the first of the big airline bonuses to end. 1:1.3 into Virgin Atlantic, one of the highest-value partners any bank offers, and 30% matches the best Capital One has run to Virgin. The bonus also applies to Virgin Red. Virgin points shine on partner awards like ANA business and first class and Delta One, so price the seat on the Virgin site first, then transfer. Amex now has the same 30% to Virgin running through November 30, so if you hold both currencies, burn whichever balance you value less

Virgin Atlantic Flying Club

New as of November 2. 1:1.3 into Virgin Atlantic, the same rate Capital One is running, which means every major flexible currency except Chase and Citi can hit Virgin at a bonus right now. Amex has gone as high as 40% to Virgin, usually in December, so this is near the top rather than a record. If you have a specific ANA, Delta One, or Virgin Upper Class award priced out, take it now rather than gambling on a bigger December offer that may not come. Confirmed by three independent trackers. 21 days left

Air France KLM Flying Blue

21 days left. 1:1.2 into the program with the most reliable transatlantic business class availability of any airline partner, plus monthly Promo Rewards that cut award prices another 25%. 20% is Capital One's standard Flying Blue bonus, not a record, and Amex ran 25% through October, so this is solid rather than special. If you were already planning a Europe trip on Air France or KLM, take it. Confirmed by three independent trackers

Turkish Airlines Miles&Smiles

1:1.4 into Turkish, home of some of the cheapest Star Alliance business class awards anywhere, plus cheap United domestic flights booked through Turkish. Two catches. The bonus is paid by Turkish after the campaign ends, not instantly by Citi, so the extra miles will not be there for a booking you need this month. And it is capped at 50,000 bonus miles. Citi's record to Turkish is 50%, so this is strong but not the top. Best if you are building a Turkish balance for a trip in the new year. 21 days left

IHG One Rewards

1:1.8 is the biggest number on the board, and it is still a bad trade for most people. Chase points are worth roughly 2 cents each toward travel and IHG points closer to 0.5 cents, so even at 1:1.8 you are converting 2 cents into about 0.9 cents. Chase has gone as high as 100% to IHG before, so this is not a record either. Only makes sense to top off a specific IHG award you have already priced, ideally a 4-night stay where the fourth night is free with an IHG card. Never transfer speculatively. 24 days left

Wyndham Rewards

1:1.3 into Wyndham, which is only interesting for one thing: Vacasa vacation rentals, where 15,000 Wyndham points per bedroom per night can beat cash on big homes in expensive weeks. For normal Wyndham hotel stays the points are worth about 1 cent each, so you are trading 2-cent Chase points for 1.3 cents of value. Price the exact rental first, confirm it is bookable with points, then transfer only what you need. 24 days left

Marriott Bonvoy

1:1 becomes 1:1.35, but Amex points are worth roughly 2 cents each and Marriott points closer to 0.75 cents, so you lose value on almost every transfer. Only makes sense to top off a specific expensive Marriott stay you already priced in cash, ideally a 5-night award where the fifth night is free. 31 days left, so there is zero urgency. Do not move points speculatively

Copa Airlines ConnectMiles

New as of November 2, a launch bonus for Capital One's newest partner. Read the fine print: Copa's base ratio is 2:1.5, so even with 30% on top, 1,000 Capital One miles become 975 ConnectMiles. That is still less than 1:1. ConnectMiles can book Star Alliance awards, but other Capital One partners like Avianca LifeMiles and Turkish already cover the same airlines at full ratio. Only worth it if you are flying Copa itself through Panama and have priced the award. 22 days left

Cathay Pacific Asia Miles

5 days left. 1:1.1 into Asia Miles, which is a small bump, not a reason to move points on its own. Asia Miles are useful for Cathay business class out of North America and for oneworld partner awards like Japan Airlines and Qatar, but availability is the hard part, not the price. If you already found a Cathay seat and were going to transfer anyway, take the extra 10%. Otherwise ignore it

JetBlue TrueBlue

5 days left. Rove is a small startup currency, not a major bank program, so this only matters if you already hold a Rove balance. JetBlue points have a roughly fixed value of about 1.3 cents each, so 20% more points means 20% more value, no hunting for sweet spots required. Bilt's November Rent Day had no transfer bonus at all; the next Rent Day is December 1