Calculator
Transfer Bonus Calculator
A transfer bonus multiplies the points you receive on the other side, not the points you send. Transferring 50,000 points at a 30 percent bonus and a 1:1 base ratio gives you 65,000 partner points. The base ratio is applied first and it is the part people forget. A 4:3 ratio with a 30 percent bonus lands you 975 partner points per 1,000 sent, which is close to even rather than a windfall.
Partner points you receive
65,000
The base ratio is applied first
This is the part that catches people out. A bonus multiplies what lands on the other side, and the base ratio has already been applied by then. At 4:3 with a 30% bonus, 1,000 points sent become 975 received, which is close to breaking even rather than a windfall. At 1:1 the same bonus turns 1,000 into 1,300.
Most bank-to-airline and bank-to-hotel partners run at 1:1, but not all of them, and a handful have been devalued in recent years. The transfer partner list shows the current ratio for every partner, with the date each was last verified.
Before you transfer anything
- Transfers are one-way and permanent. Points cannot be moved back, so confirm award availability before you send anything.
- Move only what the booking needs. Points left in the flexible bank currency keep every other option open.
- A bonus is not a reason on its own. It is only a good deal if you had a redemption in mind for that partner anyway.
See which transfer bonuses are actually live right now →
This is one number from a tool that tracks all of them. Points Commander keeps your balances, every card credit against its reset date, and an advisor that plans redemptions from the points you actually hold. It is free, there are no affiliate links, and it never asks for a bank login.
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