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July 2025 Credit Card Transfer Bonuses: Your Complete Guide to Maximizing Rewards
July 1, 2025
Summer travel season is in full swing, and credit card issuers are offering some compelling transfer bonuses to help you maximize your points and miles for your next getaway. Whether you're planning a European adventure or a domestic business trip, these current transfer bonuses could help you stretch your rewards further.
What Are Credit Card Transfer Bonuses?
Credit card transfer bonuses are limited-time promotions where you receive extra points or miles when transferring your flexible rewards currency to airline or hotel partners. For example, if you normally get 1,000 airline miles for every 1,000 credit card points transferred, a 30% bonus would give you 1,300 miles instead.
These bonuses can significantly increase the value of your rewards, especially when combined with sweet spot redemptions on partner airlines and hotels.
Current Transfer Bonuses (July 2025)
American Express Membership Rewards
British Airways, Aer Lingus, and Iberia - 30% Bonus
- Transfer ratio: 1,000 Amex points = 1,300 Avios (normally 1,000)
- Ends: July 15, 2025
- Best for: Short-haul European flights, business class to Spain, connecting to Qatar Airways Qsuites
Marriott Bonvoy - 20% Bonus
- Transfer ratio: 1,000 Amex points = 1,200 Marriott points (normally 1,000)
- Ends: July 14, 2025
- Best for: Luxury hotel stays, topping off your account for award nights
Avianca LifeMiles - 15% Bonus
- Transfer ratio: 1,000 Amex points = 1,150 LifeMiles (normally 1,000)
- Ends: July 31, 2025
- Best for: Star Alliance award flights, especially to South America
Chase Ultimate Rewards
Air Canada Aeroplan - 20% Bonus (30% for Aeroplan cardholders)
- Transfer ratio: 1,000 Chase points = 1,200 Aeroplan points (1,300 with Aeroplan card)
- Ends: July 17, 2025
- Best for: Star Alliance flights, domestic US routes on United, premium cabin to Europe
Marriott Bonvoy - 50% Bonus
- Transfer ratio: 1,000 Chase points = 1,500 Marriott points (normally 1,000)
- Ends: August 15, 2025
- Best for: Luxury Marriott properties, peak season bookings
Citi ThankYou Rewards
Air France-KLM Flying Blue - 20% Bonus
- Transfer ratio: 1,000 Citi points = 1,200 Flying Blue miles (normally 1,000)
- Ends: July 19, 2025
- Best for: Business class to Europe starting at 50,000 transferred points (60,000 Flying Blue miles)
Accor Live Limitless - 50% Bonus
- Transfer ratio: 1,000 Citi points = 1,500 ALL points (normally 1,000)
- Ends: July 19, 2025
- Best for: Luxury European hotels, Fairmont properties
Best Credit Cards for These Bonuses
American Express Cards
The Platinum Card® from American Express
- Welcome bonus: Up to 175,000 Membership Rewards points. Terms Apply.
- Annual fee: $695
- Best for: Luxury travel perks, airport lounges, premium redemptions
[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Serious Points on Flights"} ]]
“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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.”
- Welcome bonus: Up to 100,000 Membership Rewards points. Terms Apply.
- Annual fee: $250
- Best for: Dining and grocery spending, everyday rewards
[[ SINGLE_CARD * {"id": "118", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Generous Travel Rewards"} ]]
“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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.”
Chase Cards
- Welcome bonus: 100,000 points + $500 Chase Travel credit
- Annual fee: $795
- Best for: Premium travel benefits, 3x points on travel and dining
[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "$300 Annual Travel Credit"} ]]
Chase Sapphire Preferred® Card
- Welcome bonus: 75,000 points after $5,000 spend
- Annual fee: $95
- Best for: Solid travel rewards without high annual fee
[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Exceptional Travel Value"} ]]
Citi Cards
- Welcome bonus: 60,000 points after $4,000 spend
- Annual fee: $95
- Best for: Access to all Citi transfer partners
[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Robust Rewards Program"} ]]
Strategic Redemption Ideas
European Business Class with Avios
With the 30% Amex to British Airways bonus, you could book business class flights to Spain for around 34,000 transferred Amex points (44,000 Avios) instead of the usual 44,000 points.
Star Alliance Sweet Spots with Aeroplan
The Chase to Aeroplan bonus makes United domestic flights incredibly affordable at just 8,300 Chase points (10,000 Aeroplan points) for short-haul routes.
Premium European Hotels
The 50% Marriott bonus from Chase makes luxury stays more accessible, especially for peak summer dates when cash rates are highest.
Important Considerations
Only Transfer with a Plan: These bonuses are tempting, but only transfer points if you have a specific redemption in mind. Transfers are irreversible and airline/hotel programs can devalue their awards.
Check Award Availability: Before transferring, always verify that award space exists for your desired dates and routes.
Compare Values: Run the numbers to ensure the bonus actually provides better value than other redemption options.
Act Quickly: Most of these bonuses end by mid-July, so don't wait if you have a redemption ready.
Bottom Line
July 2025 offers some excellent transfer bonuses, particularly the 50% Chase to Marriott bonus and the 30% Amex to British Airways family bonus. These promotions can help you book premium travel experiences for significantly fewer points than usual.
Remember that the best transfer bonus is only valuable if it helps you book travel you actually want. Focus on opportunities that align with your travel goals rather than transferring speculatively.
For the most current transfer bonuses and expert redemption advice, bookmark our transfer bonus tracker and consider our award booking service for complex international itineraries. As always, make sure to verify current terms and availability before transferring points, as offers can change or expire without notice. Happy traveling!
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Editorial Disclosure: Opinions expressed here are those of Kudos 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 within the post.
