Credit Card Transfer Bonuses for July 2026 (Plus Our Famous Alerts)

We just saw one of these in March – i.e. these are frequent and nothing to get too excited about unless you were about to transfer anyway.

Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:

Keep in mind that Avianca devalued their program in 2024.

Also see: Downsides of the LifeMiles program.

With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me, although I know there are some fans.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

• First Class to/from Japan from West Coast: 145,000 points Round Trip
• First Class to/from Japan from East Coast: 170,000 points Round Trip
• Business Class to/from Japan from West Coast: 105,000 points Round Trip
• Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but not always, book the same for much less. Also, there have been reports that award availability between the US mainland and Japan isn’t bookable through Flying Club within 14 days of departure.)

Historically, which we can see in our master list of past transfer bonuses from Amex to Hilton, the offers tend to range from 25% -40% (with 40% being somewhat rare).

Obviously it’s been more attractive at 25%, 30% or 40%, but it could be worth considering for some with a redemption in mind, especially using the 5th night free on awards if you have Silver Elite status or higher as that increases your value both by giving the 5th night free and because resort fees and room tax are waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,400 Hilton Honors points. Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring. Note that following devaluations last year, Standard Reward night rates can be as high as 250,000 points / night.

Keep in mind that if you have any Free Reward Night Certificates (valid on any Standard Reward night) which can be earned with a Hilton Honors American Express Aspire Card (each anniversary year and after $30,000 and also after $60,000 spent in a calendar year) or the Hilton Honors American Express Surpass® Card (earned after $15,000 spent in a calendar year), you can add before or after a 5th night free award for a longer stay.

At the very maximum, this is a 1:3 transfer, but that requires that you are Platinum and spend $150 in Bilt Cash and you are capped at 100,000 points netting a maximum of 300,000 Hilton Honors points.

I do still value Hilton Honors points despite the last two devaluations, but I would rather use the current American Express Membership Rewards® to Hilton Honors Transfer Bonus if I was going to convert a transferable point to Hilton. While that bonus is 1:2.4 (up from a standard 1:2 ratio), Bilt’s base ratio is just 1:1. So at the Silver level, you are just equalling the normal Amex transfer rate without a bonus.

At the Gold level, you are at 1:2.5, just a hair better than the Amex transfer bonus on now. It’s only at Platinum or Gold + the $150 Bilt Cash upgrade that you get a bit better, but if you “buy up” you aren’t getting fantastic value for your $150 in Bilt Cash. That’s because, capped at 100,000 base points, that bonus 25% – 50% (based on your status) for the $150 in Bilt Cash is capped at 25,000 – 50,000 bonus points. That’s just $125 – $250 in average Hilton point value for the Bilt Cash.

Bilt has been capping transfer bonuses at 100,000 base points for a few months now. On a higher value currency you may well get a multiple of value on your Bilt Cash, but it’s not a slam dunk here and, given that I’d value a Bilt Point above an Amex point, and Amex points are easier to earn, I probably wouldn’t do this bonus (even as Platinum) when I could do the Amex one and get 1:2.4 without spending Bilt Cash and on as much as I want.

Chase just ran a transfer bonus to Marriott Bonvoy, which ended on February 28, 2026, for 50%. This is unquestionably better, but it doesn’t change the math much on how I’d view this transfer bonus:

This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other transfer partners. Also keep in mind this transfer can take up to 48 hours.

Remember that Qatar Avios has become competitive and inline with other Avois partners. It’s always worth checking whether one or another Avios partner (i.e. British Airways, Iberia, Finnair, or Aer Lingus) has a better redemption price since you can freely move between them. You can even connect your British Airways account directly inside Qatar’s website for easy and instant transfer.

Also, while Flying Blue miles expire, it’s a reasonable 24 months and any activity (such as a simple 1,000 point transfer in) will extend it. They used to have archaic rules where flight activity miles weren’t extended with other activity but they came to their senses a few months ago and it’s now simplified with all miles in one pool and all extended by any activity.

I will note, though, that when Air France is releasing space to partners, it’s much cheaper to book those flights using JAL Mileage Bank! I was able to book a one way from Paris to New York for just 42,000 JAL miles and less than $300 in taxes and fees. However, it’s *considerably* easier to earn American Express points than JAL so I really think this is worth your consideration. As always, run searches for what you actually might / will book before transferring!

Side note: The easiest way to earn JAL Mileage Bank miles are through Rove. You can get 1,500 Rove Miles with our exclusive partnership just by signing up using this link.

Historically, which we can see in our master list of past transfer bonuses from Amex to Hilton, the offers tend to range from 25% -40% (with 40% being somewhat rare).

Obviously it’s been more attractive at 25%, 30% or 40%, but it could be worth considering for some with a redemption in mind, especially using the 5th night free on awards if you have Silver Elite status or higher as that increases your value both by giving the 5th night free and because resort fees and room tax are waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,400 Hilton Honors points. Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring. Note that following devaluations last year, Standard Reward night rates can be as high as 250,000 points / night.

Keep in mind that if you have any Free Reward Night Certificates (valid on any Standard Reward night) which can be earned with a Hilton Honors American Express Aspire Card (each anniversary year and after $30,000 and also after $60,000 spent in a calendar year) or the Hilton Honors American Express Surpass® Card (earned after $15,000 spent in a calendar year), you can add before or after a 5th night free award for a longer stay.