By Vamsi, RewardsGuru.club. Published November 2, 2026.
The short version: Eight transfer bonuses are running in November 2026, from Capital One, Chase, Amex, Citi and Rove. At our values most of them come up short on paper: only Capital One to Virgin Atlantic beats what the same points are worth with no bonus at all, by about $1 per 1,000 miles. One real seat shows how far a single booking can move that math. ANA First Class from New York to Tokyo is 85,000 Virgin points one way, which is 66,000 Capital One miles with the 30% bonus, and Google Flights had the same ANA nonstop at $15,728 for January 13, 2027. That is about 23 cents a mile even after ANA's $419 fuel surcharge, against our value of 1.85 cents. Three more priced cases follow: Aer Lingus business to Dublin, a Wyndham resort night in Puerto Rico, and a Ritz-Carlton night in Grand Cayman, the one that stays under. Checked November 2, 2026.
On paper, November's transfer bonuses look like small change. We value a Capital One mile at 1.85 cents, a Chase point at 2 cents, an Amex point at 1.9 cents and a Citi point at 1.8 cents. Run each bonus through those values and seven of the eight are worth less after the transfer than the same points are worth before it. The biggest percentages, Chase's 80% to IHG and Amex's 35% to Marriott, land among the lowest values, because hotel points are worth less than a cent each at our values.
Averages are not bookings, though. A transfer is worth whatever the seat or night you spend it on is worth, so for four of the bonuses we priced a real one on the program's own site and the cash fare for the same flight or room. The table comes first, then the four cases.
What's live
| Transfer | Bonus | 1,000 points become | Ends | Where we saw it |
|---|---|---|---|---|
| Capital One to Virgin Atlantic Flying Club | 30% | 1,300 Virgin points | November 20, 11:59 p.m. ET | Capital One's app, in our account |
| Capital One to Air France-KLM Flying Blue | 20% | 1,200 Flying Blue miles | November 30, 11:59 p.m. ET | Capital One's app, in our account |
| Chase to Aer Lingus, British Airways or Iberia | 30% | 1,300 Avios | December 1 | Roame's transfer-bonus tracker |
| Chase to IHG One Rewards | 80% | 1,800 IHG points | December 3 | Roame's transfer-bonus tracker |
| Chase to Wyndham Rewards | 30% | 1,300 Wyndham points | December 3 | Roame's transfer-bonus tracker |
| Amex to Marriott Bonvoy | 35% | 1,350 Marriott points | December 10 | Roame's transfer-bonus tracker |
| Citi to Cathay Pacific Asia Miles | 10% | 1,100 Asia Miles on cards that transfer 1:1 | November 14 | Roame's transfer-bonus tracker |
| Rove to JetBlue TrueBlue | 20% | 1,200 TrueBlue points | November 14, 11:59 p.m. ET | Rove's announcement |
Chase, Amex and Citi keep their bonus lists behind the cardholder login, so for those five we use Roame's tracker, the partner source we rely on when a bank publishes nothing. Your own transfer screen is the fact: if it shows a different number or date, that one wins. Chase's 30% covers all three Avios programs: Aer Lingus, British Airways and Iberia.
The bonuses, in dollars
Per 1,000 points, at our values:
| Transfer | Worth after the bonus | Same points kept, at our value | Best everyday transfer, no bonus | Break-even per partner point |
|---|---|---|---|---|
| Capital One to Virgin Atlantic | $19.50 | $18.50 | $16.50 (Singapore Airlines or Qatar Airways) | 1.42 cents |
| Capital One to Flying Blue | $16.80 | $18.50 | $16.50 | 1.54 cents |
| Chase to Aer Lingus, British Airways or Iberia | $17.55 to $18.20 | $20.00 | $16.50 (Singapore Airlines) | 1.54 cents |
| Chase to IHG | $10.80 | $20.00 | $16.50 | 1.11 cents |
| Chase to Wyndham | $8.84 | $20.00 | $16.50 | 1.54 cents |
| Amex to Marriott | $10.40 | $19.00 | $16.50 (Qatar Airways or Singapore Airlines) | 1.41 cents |
| Citi to Cathay Pacific | $12.65 | $18.00 | $22.00 (Japan Airlines, on Citi's 1:1 cards) | 1.64 cents |
| Rove to JetBlue | $16.20 | no Rove value of our own | $22.00 (Japan Airlines) | 1.83 cents, against Japan Airlines |
The values behind those numbers are our own, as used on November 2, 2026: a Virgin point at 1.5 cents, a Flying Blue mile at 1.4 cents, a British Airways or Aer Lingus Avios at 1.35 cents and an Iberia Avios at 1.4 cents, an IHG point at 0.6 cents, a Wyndham point at 0.68 cents, a Marriott point at 0.77 cents, an Asia Mile at 1.15 cents, a TrueBlue point at 1.35 cents, a Japan Airlines mile at 2.2 cents, and a Singapore Airlines or Qatar Airways point at 1.65 cents. The break-even column is the kept value divided by what 1,000 points become: a booking that gets more than that per partner point beats keeping the points.
What the math says:
- Only Capital One to Virgin Atlantic beats keeping the points, by about $1 per 1,000 miles. Against Capital One's best everyday transfer it is about $3 ahead.
- Against each bank's best everyday transfer, two more come out ahead: Chase to the Avios programs by about $1.05 to $1.70, and Capital One to Flying Blue by about 30 cents.
- The hotel bonuses are the biggest percentages and the smallest values. At 80%, 30% and 35%, IHG, Wyndham and Marriott all land between about $8.80 and $10.80 per 1,000 points.
Those are averages. The four cases below are single bookings, and the division rule is the same for each: the cash price divided by the points it takes.
The one that clears on paper: ANA First to Tokyo for 66,000 Capital One miles
Virgin Atlantic prices ANA awards from a fixed chart, one way, by region. Japan to "Europe / Central & Eastern USA / Mexico" is 85,000 points in First Class and 60,000 in business. Virgin's terms on the same page say "All mileage is for a one-way ticket excluding passenger taxes, duties, fee, charges and surcharges."
With the 30% bonus, 85,000 Virgin points take 66,000 Capital One miles, which land as 85,800. Capital One's partner page sets a 1,000-mile minimum, so we round up to a clean thousand to make sure the award is covered after the bonus posts.
Google Flights showed both of ANA's New York JFK to Tokyo Haneda nonstops at $15,728 one way in First Class for Wednesday, January 13, 2027, taxes included. Its Cheapest tab started at $14,506, which can mean a connection or a third-party seller.
Virgin's points price leaves surcharges out, and ANA's own page sets its fuel surcharge at $419 per flight between North America and Japan for tickets issued November 1 to December 31, 2026. Virgin doesn't publish what it collects on an ANA award, so we count the full $419.
The math, before the taxes Virgin collects at booking: $15,728 minus the $419 surcharge is $15,309, and $15,309 divided by 66,000 Capital One miles is about 23 cents a mile. At our 1.85-cent value, those 66,000 miles are worth about $1,221.
The catches are real, and they are about the seat, not the math:
- The seat is the hard part. We couldn't see ANA's First Class award space from public pages: Virgin's seat checker covers only Virgin's own flights.
- Virgin doesn't book ANA online. Its ANA page says to "get in touch with our Flying Club team who will be able to help book your trip." The order that protects your miles is a confirmed seat first, then the transfer, because transfers can't be undone.
- The region matters. Virgin's chart also lists a Western USA price, 72,500 points. We priced New York, where Google showed First on both nonstops; a West Coast flight needs the same check before the lower price means anything.
- Business is the more findable seat. It is 60,000 Virgin points, or 47,000 Capital One miles. When we priced ANA's New York business nonstops in October, Google showed $4,304 one way for February 2, 2027. That math, the booking rules and the change fees are in our look at Virgin's ANA awards.
Chase to Aer Lingus: business to Dublin for 39,000 Chase points
Aer Lingus prices awards by distance zone and season. Its own example puts Dublin to New York in Zone 5, business class, at 50,000 Avios off-peak and 60,000 peak, "excl. taxes, fees and carrier charges payable in cash."
With the 30% bonus, 50,000 Avios take 39,000 Chase points, which land as 50,700. That is the same 39,000 Chase points the Kimpton Seafire night in Grand Cayman takes, and at our 2-cent value both are worth about $780.
Google Flights had Aer Lingus's 5:00 p.m. nonstop from New York JFK to Dublin at $2,796 in business for Wednesday, January 13, 2027. Off-peak, that is about 7.2 cents per Chase point before Aer Lingus's taxes, fees and carrier charges. If the date prices as peak, 60,000 Avios take 47,000 Chase points and it is still about 5.9 cents. Google's Cheapest tab started at $1,006 in business that day.
Aer Lingus's carrier charges are paid in cash at booking, so the total is the number to see before the transfer.
Chase to Wyndham: a 45,000-point night in Puerto Rico
Wyndham's search filters list four free-night prices: 5,000, 15,000, 30,000 and 45,000 points. The Wyndham Grand Rio Mar Rainforest Beach and Golf Resort in Puerto Rico prices at the top one: 45,000 points a night for January 3 to 6, 2027.
Cash for the same room and dates is $1,038.45 a night, with Wyndham's fees included. Wyndham's terms say a free night covers "the room rate ... including local taxes and resort/facility fees" (Caesars Rewards properties are the exception), so the free night skips the resort's 26.64% resort fee too.
With the 30% bonus, 45,000 Wyndham points take 35,000 Chase points, which land as 45,500. $1,038.45 divided by 35,000 is about 3 cents per Chase point, against our 2 cents.
The rule that travels to any Wyndham hotel: with the bonus, the four free-night prices take 4,000, 12,000, 24,000 and 35,000 Chase points. At 2 cents a Chase point, the transfer beats keeping the points when a night costs more than $80, $240, $480 or $700 in cash.
Amex to Marriott: the case that stays under
The Ritz-Carlton, Grand Cayman priced its Garden View guest room at 498,000 points for January 3 to 6, 2027, three nights, plus a $110 daily resort fee that Marriott charges on points stays too.
Cash for the same room was $1,685 a night on average including the resort fee, $5,055 for the stay before taxes.
With the 35% bonus, 498,000 Marriott points take 369,000 Amex points, which land as 498,150. Both ways you pay the $330 in resort fees, so the points replace $4,725 of room. That is about 1.3 cents per Amex point, under our 1.9 cents. For this stay to reach 1.9 cents, the room part would have to cost about $7,011, roughly half again what Marriott shows before taxes.
The break-even for any Marriott booking with this bonus is 1.41 cents per Marriott point: the cash price, minus anything you'd pay either way, divided by the points.
The other four
- Chase to IHG, 80%, through December 3. We priced it this weekend at the Kimpton Seafire: 70,000 IHG points a night on three January dates, which is 39,000 Chase points, against $1,591 in cash. IHG's points sale, reported as targeted and running through 11:59 p.m. ET Thursday, November 5, prices the same 70,000 points at about $350 at its top tier. The full comparison is in our Seafire piece.
- Capital One to Flying Blue, 20%, through November 30. Stacked on Flying Blue's November Promo Rewards, New York to Paris in business is 45,000 Flying Blue miles, or 38,000 Capital One miles, and Air France priced the same route at $2,249 one way, about 6 cents a mile. The fare rules that come with it are in our Flying Blue piece.
- Citi to Cathay Pacific, 10%, through November 14. On cards that transfer 1:1, 1,000 Citi points become 1,100 Asia Miles, about $12.65 at our values against $18 kept. We didn't price a Cathay award for this one.
- Rove to JetBlue, 20%, through 11:59 p.m. ET November 14. Rove added JetBlue on October 15 at 1:1 with a launch bonus, so 1,000 Rove Miles become 1,200 TrueBlue points, about $16.20 at our values. Rove's best everyday transfer at our values is still Japan Airlines, at $22. Our Rove Miles guide covers how the miles are earned, and Rove's sign-up page is our referral link.
Before you transfer
- Transfers can't be undone. Capital One's partner page says its transfers can't be reversed, and Roame's guide calls transfers "usually irreversible." The usual order is to find the seat or room first, then move the points.
- Check the deadline's time, not just its date. Capital One's app shows 11:59 p.m. Eastern for both of its bonuses, and Rove's post says 11:59 p.m. ET. Roame lists dates only for the Chase, Amex and Citi bonuses.
- Award prices leave out the cash part. ANA's surcharge, Aer Lingus's carrier charges and Marriott's resort fee are paid in cash on top of the points, so each case above shows its fee where the program publishes one.
Where to search
Roame searches award space across many airline programs, and our code REWARDSGURUCLUB takes 10% off a paid plan. Its transfer-bonus tracker is also where we confirm the Chase, Amex and Citi bonuses each month. ANA awards through Virgin are booked with Virgin's Flying Club team, and Aer Lingus books its own reward flights at aerlingus.com.
Last month's bonuses are in October's transfer bonuses, every bank-to-airline bonus we priced this year is in our transfer bonus history, and every bonus running now, in dollars per 1,000 points, is on our transfer bonuses page.
Bonus figures are current as of November 2, 2026; confirm the live offer in your bank's rewards account before transferring.
Sources: Virgin Atlantic's ANA partner page, ANA's fuel surcharge page, Aer Lingus's reward flight page, Wyndham Grand Rio Mar rates, Wyndham Rewards redemption terms, Marriott's Ritz-Carlton, Grand Cayman, Capital One's transfer partner page, Rove's JetBlue announcement, Google Flights.
We may earn a referral bonus through the Roame and Rove links on this page, at no cost to you.
Related articles
- 8 Transfer Bonuses Are Live in September 2026. We Priced a Real Seat or Night Behind Each One.
- October 2026 Transfer Bonuses: Ten From Rove, Amex, Citi, Capital One and Chase, and the Two That Clearly Win
- If You Think Chase's 70% Marriott Bonus Is This Week's Best Transfer, You May Be Wrong: The Same 1,000 Points Are Worth $13.09 at Marriott and Up to $33.00 at Japan Airlines
- What Ends Tonight, Sept 30: Card Credits, Two Transfer Bonuses and Two Marriott Offers
Do this with your own numbers
- Transfer partners — every program, ratio and live transfer bonus, checked daily
- Bonus tracker — today's welcome bonuses, verified on the issuer's page