Current Transfer Bonuses for Credit Card points (As of February, 15, 2026)

This guide has been updated with the most current, widely reported transfer bonuses available as of **Sunday, February, 15th, 2026**.

*Please note that transfer bonuses are highly time-sensitive and, in some cases, targeted. Always log in to your respective bank rewards portal (American Express, Chase, Citi, Capital One, or Bilt) to confirm that a bonus is available to your specific account and to verify the exact terms, thresholds, and expiration time before initiating any transfer.

Current Transfer Bonuses: February 2026

Chase Ultimate Rewards

* Chase to Marriott Bonvoy: 50% Bonus

* Ends: February 28, 2026

* Details: Transfer at a 1:1.5 ratio. This is significantly higher than the standard 1:1.

* Chase to Virgin Atlantic: 40% Bonus

* Ends: February 28, 2026

* Details: Transfer at a 1:1.4 ratio. This "Valentine’s" bonus is one of the best ways to book ANA suites or SkyTeam flights.

Capital One Miles

* Capital One to Japan Airlines (JAL): 30% Bonus

* Ends: March 1, 2026 (3:59 AM ET)

* Details: This brings the standard 4:3 ratio close to 1:1 (1,000 miles = 975 JAL miles). Note that new JAL accounts have a 7-day lockout before miles can be used.

* Qatar Airways to Accor Live Limitless: 30% Bonus

* Ends: February 24, 2026

* Details: 3,500 Avios nets 1,300 Accor points (up from 1,000). Useful for fixed-value stays at Fairmont or Raffles.

Other Rewards Programs (No Active Offers)

* American Express Membership Rewards

* Current Status: No active public transfer bonuses.

* Note: Always check your specific account, as Amex is known for "targeted" bonuses (often for Hawaiian or Hilton) that don't appear for everyone.

* Citi ThankYou Rewards

* Current Status: No active bonuses.

* Note: To be ready for the next one, ensure you hold a Citi Strata Elite or Strata Premier to unlock the full list of 15+ partners.

* Wells Fargo Rewards

* Current Status: No active bonuses.

* Note: Wells Fargo is the newest major player, recently adding partners like Air France-KLM and British Airways. Their Autograph Journey card is the primary way to access these.

* Bilt Rewards

* Current Status: No active bonuses (except for "Rent Day" specials on the 1st of each month).

* Note: Bilt frequently offers massive 75%–150% bonuses on the first of the month, but they typically only last 24 hours.

Recently Expired

* Capital One to Avianca LifeMiles: 15% bonus (Expired Feb 11, 2026).

* Chase to IHG One Rewards: 70% bonus (Expired Jan 31, 2026).

Important Notes & Best Practices

*Always verify in your account: Some bonuses are targeted or limited to specific users and may not appear publicly.

* Bonus posting timing: Bonus miles or points may post separately from the base transfer and can sometimes take days or weeks to appear.

* Transfers are irreversible: Once points are transferred to an airline or hotel program, they cannot be moved back.

* Avoid speculative transfers: Even with a bonus, it’s best to transfer only when you have a specific redemption planned to avoid devaluation or limited award availability.