Calculate the right number of points before you transfer.
Transfer bonuses can make your Chase, Amex, Citi, Capital One, Bilt, airline, or hotel points go further — but only when you move the right amount. Use this calculator to estimate how many transferable points you need after factoring in the transfer ratio and bonus percentage.
Transfer Bonus Calculator
Enter the number of points or miles you need in the airline or hotel program, then add the transfer ratio and bonus percentage. The calculator rounds up to the nearest 1,000 points.
You should transfer approximately:
transferable points. Rounded up to the nearest 1,000 to help make sure you have enough after the transfer bonus posts.
Why transfer bonuses matter
A transfer bonus can reduce the number of points you need to move from your bank account to an airline or hotel partner. For example, a 30% bonus means 50,000 transferred points could become 65,000 points in the partner program, depending on the transfer ratio and terms of the promotion.
The catch? Once you transfer flexible points to most travel partners, they usually cannot be moved back. That is why it is so important to calculate carefully, verify the award space, and avoid speculative transfers unless you have a very clear plan.
Not sure whether a transfer bonus is actually a good deal?
A bonus only helps if the award price, fees, availability, and travel plan all make sense. If you want another set of eyes before moving a big chunk of points, thePointsPage can help you sanity-check the booking.
