How to use transfer bonuses

Transfer bonuses let you move credit card points to airline miles at a boosted rate — for free. A 20% bonus turns 50,000 Chase points into 60,000 British Airways Avios.

1. Find a bonus that matches your travel goals
2. Check that the program flies your route at good value (use the Award Optimizer search)
3. Transfer during the bonus window — transfers are irreversible, so confirm availability first