The Transfer Process
Transferring points moves them from your credit card program to an airline or hotel loyalty program. Once transferred, they become miles or points in that program.
How to Transfer
- Log into your credit card account (Chase, Amex, etc.)
- Navigate to "Transfer Points" or similar
- Select your destination program
- Enter the amount to transfer
- Confirm the transfer
Transfer Times
- Chase → Most partners: Instant
- Amex → Most partners: Instant to 2 days
- Capital One: Instant to 2 days
- Citi: Instant to 24 hours
Critical Warning
Transfers are one-way and irreversible. Once you transfer points, you cannot get them back. Never transfer until you've confirmed the award is available and you're ready to book immediately.
When to Transfer
Do Transfer When:
- You've found available award space
- You're ready to book immediately
- The value is better than other redemption options
- A transfer bonus increases your miles (20-30% extra)
Don't Transfer When:
- You haven't confirmed availability
- "Just in case" or to hold for future use
- The cash price is cheaper than points value
- You're not 100% sure about the trip
Transfer Bonuses
Programs occasionally offer transfer bonuses—20-30% extra miles when you transfer. These can be valuable, but don't transfer just for a bonus unless you have a specific use.
Key Takeaways
- Transfers are permanent—never transfer speculatively
- Most transfers are instant or same-day
- Always confirm availability before transferring
- Transfer bonuses can add value but aren't reason alone to transfer