July credit card transfer bonuses: 100% to IHG, 50% to Qantas and Accor

Full text

Transfer bonuses can offer lucrative opportunities to help you maximize your points and miles and work your way toward fantastic award redemptions. You can sometimes get significantly more value from your rewards by transferring them to an airline or hotel partner during one of these bonus periods.

Remember, though, that these are limited-time offers: You'll need to act fast if you find one that suits your travel plans.

We've compiled transfer bonus updates for most major programs with transferable rewards to make tracking these offers easier. Just note that transfer bonuses are sometimes targeted, so some may not be available to you.

Chase Sapphire Preferred® Card (see rates and fees ): For a limited time, earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.

Active credit card transfer bonuses

We're currently seeing these transfer bonuses:

Transfer from Transfer to Bonus details End date Transfer ratio

American Express Membership Rewards Virgin Atlantic Flying Club 30% July 31 1,000 points equals 1,300 points

Capital One miles EVA Air Infinity MileageLands 30% July 31 1,000 miles equals 975 miles

Chase Ultimate Rewards IHG One Rewards 100% July 30 1,000 points equals 2,000 points

Citi ThankYou Rewards Accor Live Limitless 50% July 18 1,000 points equals 1,500 points if you have a Citi card that unlocks the full transfer ratio (1,000 points equals 1,050 points with other cards)

Rove Frontier Miles 25% July 31 1,000 miles equals 1,250 miles

Rove Qantas Frequent Flyer 50% Aug. 14 1,000 miles equals 1,500 points

American Express Membership Rewards transfer bonuses

American Express Membership Rewards is offering a 30% bonus to Virgin Atlantic Flying Club through July 31.

How to earn American Express Membership Rewards points

If you're looking to earn more of these valuable points, the following American Express cards could prove useful additions to your wallet:

American Express® Gold Card : Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

American Express Platinum Card® : Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Related: How to redeem American Express Membership Rewards points for maximum value

Capital One transfer bonuses

Capital One is currently offering a 30% transfer bonus to Eva Air Infinity MileageLands through July 31.

How to earn Capital One miles

If you're looking to earn more transferable miles, the following Capital One cards are solid options to consider:

Capital One Venture Business : Earn 100,000 bonus miles after spending $10,000 on purchases in the first three months from account opening.

Capital One Venture Rewards Credit Card : Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

Capital One Venture X Rewards Credit Card : Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

According to TPG's July 2026 valuations , Capital One miles are worth 1.85 cents each. Most transfers from Capital One will process instantly. For more details, read our guides to Capital One transfer partners and how to transfer Capital One miles .

Related: Should you transfer Capital One miles to partners or redeem directly for travel?

Chase Ultimate Rewards transfer bonuses

You can receive a 100% bonus by transferring your Chase Ultimate Rewards points to IHG One Rewards through July 30.

As always, it's best to transfer points only when you're ready to book an award since transfers are irreversible and award availability can change quickly.

How to earn Chase Ultimate Rewards points

If you want to earn more Chase Ultimate Rewards points, the following Chase cards could make good additions to your wallet:

Chase Sapphire Preferred Card : Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.

Chase Sapphire Reserve® (see rates and fees ): Earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.

Ink Business Preferred® Credit Card (see rates and fees ): Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.

Related: Chase Ultimate Rewards points: How to redeem for maximum value

Citi ThankYou Rewards transfer bonuses

Citi ThankYou Rewards is offering a 50% transfer bonus to Accor Live Limitless through July 18.

You'll only unlock the bonus in its entirety if you hold the Citi Strata Elite℠ Card (see rates and fees ), the Citi Strata Premier® Card (see rates and fees ) or the Citi Prestige® Card (no longer available to new applicants). Other Citi cards do not unlock the full 1:1 transfer ratio, so the transfers aren't as valuable.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

How to earn Citi ThankYou Rewards points

To earn more Citi ThankYou Rewards points, consider these Citi credit cards :

Citi Strata Elite Card : Earn 75,000 bonus points after spending $6,000 on purchases in the first three months from account opening.

Citi Strata Premier Card : Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

TPG values Citi ThankYou Rewards points at 1.9 cents each, per our July 2026 valuations , and most transfers happen instantly.

Related: Citi ThankYou Rewards transfer partners: Redeem your points with airlines and hotels

Marriott Bonvoy transfer bonuses

Marriott Bonvoy isn't currently offering any transfer bonuses.

While you can transfer Marriott Bonvoy points to various airlines , it's generally not recommended because you'll receive a 3:1 transfer ratio.

How to earn Marriott Bonvoy points

If you're looking to earn Marriott Bonvoy points , the following Marriott cards may be of interest:

Marriott Bonvoy Bold® Credit Card (see rates and fees ): Earn 60,000 bonus points after spending $1,000 on purchases in the first three months from account opening.

Marriott Bonvoy Boundless® Credit Card (see rates and fees ): Earn 125,000 bonus points and a free night award (valued at up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening. Additionally, earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases. Certain hotels have resort fees.

Marriott Bonvoy Brilliant® American Express® Card : Earn up to 150,000 bonus points: 100,000 bonus points after spending $6,000 on purchases in the first six months of card membership, plus an additional 50,000 bonus points after spending $2,000 on purchases (for a total of $8,000) in the first six months of card membership.

Marriott Bonvoy Business® American Express® Card : Earn up to 125,000 bonus points: 75,000 bonus points after spending $6,000 on purchases in the first six months of card membership, plus an additional 50,000 bonus points after spending $3,000 on purchases (for a total of $9,000) in the first six months of card membership.

According to TPG's July 2026 valuations , Marriott Bonvoy points are worth 0.80 cents each. Some airlines take a few days (or even weeks) to receive the points.

Related: How to redeem Marriott Bonvoy points for maximum value

Rove transfer bonuses

To celebrate its two newest transfer partners, Rove is currently offering a 50% transfer bonus to Qantas Frequent Flyer until Aug. 14 and a 25% transfer bonus to Frontier Miles through July 31.

How to earn Rove miles

We're excited about the new "no credit card required" rewards program, Rove. You can book hotels and flights and shop online through the Rove portal; it allows you to earn incredible amounts of transferable miles, such as up to 54 miles per dollar spent on select hotels.

Rove is rapidly adding transfer partners, including Lufthansa Miles & More , a program that has traditionally been difficult to earn miles in. This opens up the ability to book Lufthansa's incredible first-class product in advance with miles.

If you don't have any Rove miles, you can earn 1,000 miles at no cost right now just by signing up through TPG's offer .

Should you transfer points and miles?

We only recommend transferring points or miles if you have a short-term plan to use them. Transfers are irreversible, and you don't want to be stuck with thousands of points or miles in a program you have little use for.

If you don't have a specific redemption in mind but still want to earn points or miles, you're likely better off earning rewards through card welcome bonuses and everyday spending.

We always recommend verifying award availability before transferring your rewards.

Bottom line

When a program with a transferable currency offers a transfer bonus, it's important to run the numbers to determine whether it is worthwhile.

Generally, you won't want to transfer your points or miles unless you have a specific redemption in mind. After all, a large part of the value of transferable points and miles comes from their flexibility, which you'll give up when you convert them to a partner's currency. However, a transfer bonus can help you get more value from your points and miles if you frequently use a partner program or plan to redeem them soon.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.