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Transfer bonuses can dramatically reduce how many points you need — but only if the math works in your way. This calculator helps you quickly see whether a transfer bonus is worth using before you move your points.
Transfer Bonus Calculator
Transfer Ratio Explanation
A 1:2 ratio means 1 bank point becomes 2 partner points.
A 2:1 ratio means 2 bank points become 1 partner point.
Before You Transfer
Transfers are irreversible. Always confirm award availability and total taxes/fees before moving points. Transfer bonuses don’t automatically mean good value — this calculator helps with the math, not the availability.
Once you’ve calculated your transfer bonus value, head back to your airline or hotel program and confirm award availability. If the math checks out and the redemption fits your plans, that’s when a transfer can make sense.
Looking for real-world examples? Check out our latest posts!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some of the above benefits are provided by Visa® or MasterCard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
EDITORIAL NOTE:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included with the post.
Amberonpoints is part of an affiliate sales network and may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. We appreciate it when you use our affiliate links as it supports our content at no cost to you!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some of the above benefits are provided by Visa® or MasterCard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
EDITORIAL NOTE:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included with the post.