Tuesday, September 1, 2026

Sept 2026 Transfer Bonuses

Below you'll find information on the current transfer bonuses. Don't know what a transfer bonus is? Check out this page, which not only explains what a transfer bonus is, but also always includes the current transfer bonuses, as well as a calculator to tell you exactly how many points you need to move.

I'll keep this page updated as the month goes on, so be sure to check back!

Sept 2026 Transfer Bonuses

No idea what it even means to transfer? Start here with a beginner post and here to learn why and how to transfer.

American Express

  • British Airways, Aer Lingus, and Iberia Plus: 30% bonus through 11:59PM ET Sept 27, 2026 (this is almost 2 months long! wow!)
These airlines are all part of Oneworld Alliance and all use Avios as their points system. What's cool about Avios, is that you can move them from one Avios airline to another! I have an entire post and tutorial here.

Why would you want or need to do this? You can save 30% on other flights, not just these airlines! For example, Qatar Airways is known to be one of the best business class flights in the world but they're not part of this transfer bonus (nor a transfer partner of Amex)... but you could move Amex points to British Airways, and then from British Airways to Qatar to ultimate book your flight and utilize this transfer bonus.       

  • Hilton: 30% bonus through 11:59PM ET October 14, 2026 
Hilton is a fairly common American Express transfer bonus. Keep in mind, without the transfer bonus, Amex points transfer at a 1:2 ratio to Hilton, which doubles your points moving to Hilton. The transfer bonus makes it take much better!

Also keep in mind, if you have a Platinum card or a Business Platinum Card (or Hilton cards), you get Hilton Gold Status, which gets you 5th night free on consecutive night booking. Doubling this benefit with a transfer bonus, can be a great sweet spot.


Capital One

  • Japan Airlines: 30% bonus through 11:59PM ET Sept 30, 2026. (Keep in mind - you'll need to have had your free Japan Airlines account for more than 7 days, in order to be able to redeem miles. If you don't have a JAL account, do yourself and make one now, for the next time you need it!

Chase

  • Air Canada: 20% bonus through 11:59PM ET September 30, 2026.
Don't have any plans to fly Air Canada soon? Don't write off this transfer bonus just yet! Air Canada is in Star Alliance, a partnership of airlines that allow you to book flights for other airlines in the alliance. This means you could potentially book a United flight (and other airlines) through Air Canada using this transfer bonus! Learn more about alliances here.

This post specifically talks about Air Canada and it's tie to United, with example how to use Air Canada to book United.


Summary
Have you taken advantage of transfer bonuses before? While I don't wait for a transfer bonus (when I have something I want to book, I book it!), but it sure is nice when a transfer bonus aligns with something that I need to book.

I'll keep this page updated as the month goes on, so be sure to check back!
____________________________________________

Looking for more information on points/miles? You can find all of my points talk posts linked here.

Trying to figure out your next card? Here is my FREE personalized Next Card Recommendation form. Simply fill this out and I'll let you know suggestions.

Curious what cards I (and/or my husband) have, and why? Read here!

Monday, August 31, 2026

Colorado Fall Colors (on Points)

Crisp mornings, golden leaves, basking in sunshine.... tomorrow is September and that means the month of Colorado Fall Colors is here!


If you've followed me during the month of September, you may recall, it's one of my favorite months of the year in Colorado. This post is my attempt to entice you to join in my obsession. Here are a few of my favorite stays to enjoy the second half of September/beginning of October, in the mountains nearest Denver; that is Summit and Eagle Counties. 

(If you want to see my favorite hikes; look for the "Summit" saved Instagram Highlight bubble in my IG profile: @justcallmehaha)

Summit and Eagle County Hyatt Hotels

Booking Hyatt directly has usually my starting point (by transferring Chase points to Hyatt to do so); but in the last year there have been so many changes to premium credit cards that include hotel benefits like free breakfast, etc! Now there are several ways to book the same hotel and there are hotels outside of Hyatt that are worth considering. This will depend on which cards you hold, how long you want to stay and your preference for points and benefits.

First  - let's look at the hotels and then we'll look at other options to book them! This list isn’t all inclusive of your options; but I’m highlighting some various price points and locations.

(Note that the rates listed below are the lowest potential rates for this time of year. It's possible that room types at this lower rate may be sold out already.)


Hyatt Place Keystone
15,000 points per night
This is the lowest "luxury" level of the Hyatt options. At a Category 4, you could use a Level 1-4 Free Night Award (FNA)  here (although to be honest, the cash price is pretty low, that I personally wouldn't use an FNA for this stay) and includes free continental breakfast


Ranahan Breckenridge (Hyatt Vacation Club)
25,000 points per night
This is a Category 6 Hyatt. The benefit of staying at a Vacation Club, is that you typically have an apartment style rental - that offers a little more space as well as a kitchen to prepare/eat your own food.


Grand Hyatt Vail
30,000 points per night
Keep in mind; while you pay $0 in resort fees when booking direct on points, this hotel has a nightly $60 valet charge


Park Hyatt Beaver Creek
35,000 points per night
Keep in mind; while you pay $0 in resort fees when booking direct on points, this hotel has a nightly $60 valet charge




Alternative Booking Methods
If you're trying to stretch your points farther, you may want to consider the Cents per Points (or CPP) value that you're getting from a direct Hyatt booking. That is, compare the Points Cost to the Cash Price for the night you want to book. Take the Cash Price divided by the Points Price. If that number is smaller than 0.015, that means you're getting less than 1.5 cents per point and generally it would be recommended to save your points and pay cash.

However, enter Chase Points Boost. If you have a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Sapphire Reserve Business; in the Chase Travel Portal, there are select hotels that have "points boost" if booked through Chase. Points Boost essentially means that you will get a greater value than 1 cent per point when redeeming points to book a hotel with Chase. You can toggle on the filter to show only Points Boost hotels:
Sometimes you can actually spend LESS points booking a hotel on points in Chase Travel Portal than you will if you transferred points to the hotel and booked directly! Keep in mind though; that if you have hotel status or are collecting qualifying nights at a hotel; if you book in a bank travel portal, you may not receive credit. This will vary per hotel and dates. Generally the hotel will say "_____ (hotel program) Eligible" and allow you to put in your loyalty number)

For example, looking at Park Hyatt Beaver Creek for one night; Saturday Sept 26 through Sunday Sept 27th. If you booked directly with points at Hyatt, Hyatt wants to charge you 45,000 points for a standard room:

But, if I search in Chase Travel Portal, for the same hotel and same dates... I can find the same room for 30,023 (literally 30% less points)! AND to make it even better, because it's an Edit Hotel, I'll get free breakfast and $100 resort credit! Plus it says "Eligible for World of Hyatt", so I'd get credit with Hyatt for that night's stay). 

In this case, it's a no brainer: book through Chase Portal!


Note: Sapphire Reserve cards typically have better "points boost" than Sapphire Preferred. If you have both of these cards, make sure you are searching in Chase Travel Portal under your Reserve.

Chase Edit Credit
When Chase update the Sapphire Reserve card June 2025, they introduced Edit Hotels and Edit Credit. Edit Hotels are higher end hotels bookable in Chase Travel Portal that come with hotel benefits such as free breakfast for 2, resort credits, potential early check-in/late check out. Edit Hotels typically (if not always), also have points boost! 

The Edit Credit, is two $250 credits that can be used (separately) to book a 2-night minimum stay at an Edit Hotel. You simply charge at last $250 to your Reserve card when checking out in the portal. You can do a combination of cash and points, to minimize your net out of pocket cost.

And because I know this has surprised some people: to receive Edit Hotel benefits, you do NOT have to book a 2-night stay. However, if you want to utilize the $250 Edit Credit, you DO need to book a 2-night (minimum stay)


American Express Fine Hotels and Resorts
This is another great option to look at, especially if you have a Platinum card or a Business Platinum Card, which both come with 2 $300 Hotel Credits a year.

Similar to Chase Edit Hotels, Amex Fine Hotels and Resorts come with as free breakfast for 2, resort credits, potential early check-in and a guaranteed 4p late check out. Unlike Edit Credit, to use a $300 Hotel Credit, it does NOT have to be a 2-night stay. A one night stay will activate this credit!

(Also note: the 4pm guaranteed late checkout is wonderful if you're doing just a one-night stay! You can potentially check in as early as 12p, and stay until 4p the next day. That's more than 24 hours; just right for a staycation).

The one downfall to Amex Hyatt bookings is that the daily resort fee is NOT allowed to be paid with by points. When you check out in the travel portal, you'll see amount due now and amount due at hotel. The amount due at the hotel is generally the hotel's resort fee. However, for both Grand Hyatt Vail and Park Hyatt Beaver Creek, I have found that you can use the $100 resort credit to cover the $60/nt resort fee and $60/nt valet fee. If you're staying just one night; then your out of pocket cost become $20 instead of $100, due to the resort credit.

If you're interested in learning more about the Platinum card or a Business Platinum Card, click on their links above.

Grand Hyatt Vail and Park Hyatt Beaver Creek both qualify for Chase Edit Hotels/Credit and American Express Fine Hotels and Resorts/Hotel Credit. You can see more here about my experience at Grand Hyatt Vail from fall 2025, using my Amex  $300 credit.

Non-Hyatt Hotels

Kindred Resort
This hotel is brand new at the base of Keystone main River Run village. While I haven't stayed here (yet), the points price is awesome, especially if you stay for 2 night and utilize a $250 Edit Credit, then points to cover the rest.


These last two hotels are IHG Properties. While you could transfer points to IHG to book directly; honestly, this typically is not a good use of Chase points from a value perspective. However, I’ve booked both of these hotels with premium credit card benefits instead of Chase points and want to share that option. 

Hotel Indigo Silverthorne 
In addition to the Chase $250 Edit Credit I mentioned above, for 2026 Chase Reserve cards also have a $250 hotel benefit for "select" hotels when booked in the travel portal. Hotel Indigo qualifies for this $250 credit (as indicated by the gray strip on the photo) on a 2-night minimum stay. This hotel is in a lovely location and is pretty new. We found it very comfortable and worth recommending.

Holiday Inn Express Frisco
I recently open a Bilt Palladium card (it's so new, I haven't even shared the details yet! I'm waiting for my mortgage to post before I share). This card comes with a $200 hotel credit, twice a year (Jan-Jun, Jul-Dec). It can be used on any hotel in Bilt Travel portal, but MUST be used on a 2-night stay.

It also can be combined with a $100 Bilt Cash Hotel Credit, which ends up giving you $300 off a 2-night hotel stay.

I recently booked (and later cancelled due to a change in plans) 2 nights at Holiday Inn Express Frisco through Bilt Travel for only $9 out of pocket with utilizing these benefits!
Summary
Earning points is often the easier part of figuring this all out. Learning how to use those points is hard - because there are so many different options and ways to use them.

I hope that this post helped offer you not only some ideas to catch fall colors in Colorado; but also showed you that there are several ways to book the same hotel (which honestly, can make your head spin. Especially to keep track of all of these "coupon" like benefits on higher fee cards). It just depends which cards you hold and what exactly you're looking for!

If you book one of these, or if I missed your favorite; let me know in the comments or give me a tag on IG!
___________________________

Looking for more information on points/miles? You can find all of my points talk posts linked here.

Trying to figure out your next card? Here is my FREE personalized Next Card Recommendation form. Simply fill this out and I'll let you know my suggestions.

Wondering how I keep all of this information organized? Check out my Points Tracker!

Curious what cards I (and/or my husband) have, and why? Read here!





Thursday, August 27, 2026

Capital One - Combining and Travel Eraser

Capital One cards like Venture Rewards Card (learn more here) and VentureX (learn more here) are popular in the points world, not only due to their lower annual fees and benefits, but also because they point each 2x points on ALL purchases. This makes them a great everyday card!

Like other banks that earn flexible points and allow you to book travel in the bank's travel portal, but also to transfer points from the bank to Airline and Hotel Partners (Chase Partners and Amex Partners can be found here and here); Capital One also has their own list of Airline and Hotel Partners to transfer points to. 

Why Transfer Points? 
It generally costs less points to book direct with an Airline or Hotel, than it does to redeem points in a bank travel portal at a fixed rate.

What I really want to hit on today with this post, is two additional points use options that are unique to Capital One.

Unique Ways to Use Capital One Miles

Combining Miles
Yes, Chase also always you to combine points (learn how here), but also across other accounts who live at the same physical address as you. American Express doesn't allow you to combine points at all! (Although technically you can transfer someone else's points to your loyalty accounts, but you have to be an authorized user on their card (this can take up a 5/24 spot) and have been for 90 days before you can transfer).

Capital One allows you to share miles with any other Capital One member, who also has a point earning credit. This is a great way to pool miles together for a trip or to use miles to split a cash travel cost, such as using points to split the cost of an airbnb with friends, who are also Capital One cardholders.

How to Combine Capital One Miles
Alas, you're going to have to make a phone call to Capital One. 

1. Call the phone number on the back of your Capital One credit card.
2. Tell the agent you want to move some of your miles to another Capital One Venture-miles earning cardholder.
3. The agent will confirm your identity and then ask for the cardholder's name and card number.
4. Confirm how many miles you want to move.

That's not too bad!

The second miles use feature I want to hit is, on is using your miles as a statement credit to "cancel out" travel related purchases on your card.

Travel Eraser
Typically I want to get the "most" out of my miles by transfer them to airline or hotel partners, as mentioned above. But, travel can be expensive and the costs can add up! Using Capital One's points "Travel Eraser" feature allows you to minimize out of pocket costs, by redeeming your points at a 1:1 ratio on "travel" coded purchases on your CO credit card.

For example, my family recently flew to Paris for our summer vacation. I was able to book two of the four of us in Business Class "saver" seats with points, but that left two of us in Premium Economy, not all seated together.

After I checked in for the flight, there was an option to pay for a cash upgrade from Premium Economy to Business Class, for $480 per person. At first this seemed really expensive, as in "I don't want to really spend $960 more on our flights". However, I then realized that if I charged this $960 to my Venture Card, then I could use points to "erase" a portion of the cash charge to lower my overall out of pocket costs; which is exactly what I did



How to use "Travel Eraser"
1. Log into your CO account
2. Navigate to "view rewards" and click on a credit card with miles.
3. You'll be taken to the Rewards Homepage of that credit card. Scroll down to view the options:


4. Click on "Cover travel purchases" top right).
5. A window will pop up that shows all of your "travel" eligible purchases from the past 90 days that you can select to redeem points towards.
6. Select the purchase you want to redeem points on. Type in how many points you want to use. Note: you do NOT have to use points to cover the full charge. You can use points to cover a partial amount.

In my case, I paid $480 per flight and didnt want to use up all of my miles to cover this price. I wanted to do a partial amount and use 20,000 points per flight to redeem for a $200 credit; so that my "out of pocket" cost for each flight is $280  (ie $480-$200).

Since I had two flight costs I was doing this for, in total I used 40,000 points to "redeem" for $400 statement credit. This means that the $960 purchase I put on my Venture card; now became a $560 charge instead - which helped in my trip budgeting.

Summary
Again, using Capital One miles for Travel Eraser isn't the highest "value" you can get from your points (in comparison to transferring to airlines and hotels. You get a fixed value 1 cent of per point when  redeemed this way... but to me, for this situation, it was WELL WORTH the use of points! We all got to together in Business Class one the way to Europe; especially since it was our kids first business class flight (I know, bougie!! I never dreamed I would fly business, let alone my kids at ages 7 and 8!)

____________________________________________
Looking for more information on points/miles? You can find all of my points talk posts linked here.

Trying to figure out your next card? Here is my FREE personalized Next Card Recommendation form. Simply fill this out and I'll let you know suggestions.

Curious what cards I (and/or my husband) have, and why? Read here!











Tuesday, August 4, 2026

Aug 2026: Transfer Bonuses and Best Offers

Below you'll find information on the best current sign up offers and current transfer bonuses. Don't know what a transfer bonus is? Check out this page, which not only explains what a transfer bonus is, but also always includes the current transfer bonuses, as well as a calculator to tell you exactly how many points you need to move.

I'll keep this page updated as the month goes on, so be sure to check back!

Aug 2026 Transfer Bonuses

Check out this page, which not only explains what a transfer bonus is, but also always has active transfer bonuses as well as a calculator to tell you exactly how many points you need to move.

No idea what it even means to transfer? Start here with a beginner post and here to learn why and how to transfer.

American Express

  • British Airways, Aer Lingus, and Iberia Plus: 30% bonus through 11:59PM ET Sept 27, 2026 (this is almost 2 months long! wow!)
These airlines are all part of Oneworld Alliance and all use Avios as their points system. What's cool about Avios, is that you can move them from one Avios airline to another! I have an entire post and tutorial here.

Why would you want or need to do this? You can save 30% on other flights, not just these airlines! For example, Qatar Airways is known to be one of the best business class flights in the world but they're not part of this transfer bonus (nor a transfer partner of Amex)... but you could move Amex points to British Airways, and then from British Airways to Qatar to ultimate book your flight and utilize this transfer bonus.       

Capital One

  • Avianca LifeMiles: 15% bonus through 11:59PM ET August 31, 2026 (Avianca is part of Star Alliance; which you could use to your benefit to book a flight, even if you don't want to fly Avianca. Learn more about Airline Alliances)

Chase

  • IHG Hotels & Resorts: 70% bonus through 11:59PM ET August 31, 2026
Don't forget - all IHG credit cardholders get 4th night free, when you book 4 consecutive nights or longer!
  • Air Canada: 20% bonus through 11:59PM ET September, 2026.
Don't have any plans to fly Air Canada soon? Don't write off this transfer bonus just yet! Air Canada is in Star Alliance, a partnership of airlines that allow you to book flights for other airlines in the alliance. This means you could potentially book a United flight (and other airlines) through Air Canada using this transfer bonus! Learn more about alliances here.

This post specifically talks about Air Canada and it's tie to United, with example how to use Air Canada to book United.




Aug 2026 Best Card Offers

Often the best and quickest way to earn a large sum of points (or miles) is to open a new card and earn it's sign up bonus by hitting the minimum spend in the given amount of time.  Here are the current best card offers and links to a full write up regarding the card details and benefits.


Chase Sapphire Preferred

  • Elevated Sign Up Bonus (started 6/15/26, was scheduled to end 7/31 and is still going as of 8/4!): Spend $5,000 in 3 months; earn 100,000 points
  • Low annual fee ($95)
  • Details and Benefits
  • Referral Link

Chase Ink Business Unlimited


Chase Ink Business Cash


Chase Sapphire Reserve for Business

  • Elevated Sign Up Bonus: Spend $30,000 in 6 months; earn 200,000 points
  • High annual fee - but a high amount of points and benefits to offset; 6 months to hit the minimum spend instead of the stand 3 months


Chase United MileagePlus Business
  • Elevated Sign Up Bonus: Spend $5,000 in 3 months; earn 100,000 miles
  • High annual fee - but a high amount of points and benefits to offset; 6 months to hit the minimum spend instead of the stand 3 months

As a reminder, I always share my referral links. If you decide to open one of these card, I appreciate you using my referral link to apply. It is absolutely free to you, but provides me a small kick back from the bank. Think of it as a free thank-you gift for the time and effort to share and educate how to earn and use points ;)


Summary
If you're looking for a new card and don't have one of the cards listed above with an elevated offer; I would consider going for it. Especially when it's a flexible/transferable point card.

Keep in mind - Chase has recently changed their eligibility rules on several cards. For the following cards, you are now only to receive ONE sign up bonus (EVER!). This is a change for those of us who were familiar with the Sapphire 48mo rule and/or being able to open multiple repeat Ink Business cards. 

A rule change for the better is that you can hold the Sapphire Preferred AND the Sapphire Reserve at the same time now - which is great before they have different benefits.

Personal Cards

Business Cards

With this information in mind; if you have not previously opened and received a sign up bonus for these cards; I would highly suggest considering opening any of these cards when there is an elevated offer; which conveniently all of these cards have (at least as this very moment).

Have you taken advantage of transfer bonuses before? While I don't wait for a transfer bonus (when I have something I want to book, I book it!), but it sure is nice when a transfer bonus aligns with something that I need to book.

I'll keep this page updated as the month goes on, so be sure to check back!
____________________________________________

Looking for more information on points/miles? You can find all of my points talk posts linked here.

Trying to figure out your next card? Here is my FREE personalized Next Card Recommendation form. Simply fill this out and I'll let you know suggestions.

Curious what cards I (and/or my husband) have, and why? Read here!

Thursday, July 16, 2026

Extra Southwest Points

I've shared about shopping portals before (read here) and typically Rakuten gets a lot of recognition; but did you know most airlines and some banks have their own shopping portals? There are so many different shopping portals, that there are actually websites that will compare portals for you, to know which has the highest offer. This points talks about my favorite shopping portal comparison tool.

No idea what I'm talking about? Here's some information for a refresher...


Shopping Portal 101

What's a Shopping Portal?
Per Google AI, a shopping portal is a website or platform that acts as a gateway to online retailers, offering bonus rewards like cash back, airline miles or points, for purchases made through the shopping portal. Instead of going directly to a retailer's website, you visit the shopping portal first, search and click on a link to your retailer of choice, and then make your purchase from the retailers website. 

The portal tracks your purchase (but not your personal information like shipping address and/or credit card number), then credits your account with the bonus rewards offered.

Why use a Shopping Portal?
To earn extra points, miles, or cash back for free

How do shopping portals make money?
Through affiliate links and commission paid by the retailers.

Do I need to use a certain credit card to use a Shopping Portal?
Nope! Unlike "offers" which are coupons tied to a specific credit card; it does NOT matter what form of payment you use to pay when you shop via shopping portal!


Southwest Rapid Rewards Shopping Portal
Sign up here and have your SW Rapid Rewards number and log in handy

Why am I taking time to highlight Southwest Shopping Portal? Not only can you earn extra SW points Because to redeem for SW points flights; but also because points earned via SW shopping portal count towards SW Companion Pass! SW CP allows you to book a flight (on points or cash) and add a second flyer for just taxes and fees ($5.60 for domestic US travel!)

I have an entire post here with strategies to earn Companion Pass, which is to hit 135,000 companion pass qualifying points in a calendar year.

If I have a SW credit card (which I do), I generally earn 1 point per dollar spent on my SW card (granted, some categories earn more points). I'm definitely not putting over $100,000 of spend in a calendar year on my Southwest card to earn companion pass.

However, I do consciously SW Shopping portal to earn extra points to minimize the spend I need to put on my SW card. Right now SW Shopping Portal has an offer if you enroll in the offer and spend X-amount by 8/10/2026, you can earn up to 2,500 extra points (on top of your shopping portal spend points. If that makes sense?)


With this promotion and purchases I've made in the past month; I've spent $560 using SW Shopping Portal; and with the promotion above, plus the shopping portal points, I will earn a total of 3,866 rapid rewards (1,366 based on my portal spend below + 2,000 bonus points).

That is SO much better than having spend $3,866 on my Southwest credit card! Granted, I still have a long ways to go to earn companion pass ;) but hey, I've booked Southwest points flights for less than 3,866 points!

SW Shopping Portal - Recent Transactions


And that doesn't take into consideration which credit card and/or benefit I'm using and the points/benefits earned via that method and working on a sign up bonus for.

Summary
Shopping portals add another step to online shopping and another way to make your head spin in points and miles. But if you have the capacity (hint: download the free web browser extensions so you automatically get a pop up reminder when shopping online!); shopping portals, offer a convenient way to earn more points (or cashback) without spending more!
____________________________________________
Looking for more information on points/miles? You can find all of my points talk posts linked here.

Trying to figure out your next card? Here is my FREE personalized Next Card Recommendation form. Simply fill this out and I'll let you know suggestions.

Curious what cards I (and/or my husband) have, and why? Read here!



Thursday, July 2, 2026

July 2026: Elevated Offers and Transfer Bonuses

It's a new month. Below you'll find information on the best sign up offers and current transfer bonuses. Don't know what a transfer bonus is? Check out this page, which not only explains what a transfer bonus is, but also includes always includes the current transfer bonuses as well as a calculator to tell you exactly how many points you need to move.

I'll keep this page updated as the month goes on, so be sure to check back!

July 2026 Best Card Offers

Often the best and quickest way to earn a large sum of points (or miles) is to open a new card and earn it's sign up bonus by hitting the minimum spend in the given amount of time.  Here are the current best card offers and links to a full write up regarding the card details and benefits.


Chase Sapphire Preferred

  • Elevated Sign Up Bonus (started 6/15/26, anticipated to end by 7/31): Spend $5,000 in 3 months; earn 150,000 points
  • Low annual fee ($95)
  • Details and Benefits
  • Referral Link

Chase Ink Business Unlimited


Chase Ink Business Cash


Chase Sapphire Reserve for Business

  • Elevated Sign Up Bonus: Spend $30,000 in 6 months; earn 200,000 points
  • High annual fee - but a high amount of points and benefits to offset; 6 months to hit the minimum spend instead of the stand 3 months


Chase United MileagePlus Business
  • Elevated Sign Up Bonus: Spend $5,000 in months; earn 100,000 miles
  • High annual fee - but a high amount of points and benefits to offset; 6 months to hit the minimum spend instead of the stand 3 months

As a reminder, I always share my referral links. If you decide to open one of these card, I appreciate you using my referral link to apply. It is absolutely free to you, but provides me a small kick back from the bank. Think of it as a free thank-you gift for the time and effort to share and educate how to earn and use points ;)


July 2026 Transfer Bonuses

Check out this page, which not only explains what a transfer bonus is, but also includes always includes the current transfer bonuses as well as a calculator to tell you exactly how many points you need to move.

No idea what it even means to transfer? Start here with a beginner post and here to learn why and how to transfer.

American Express

  • Hilton 20% bonus through 11:59PM ET July 14th, 2026 (keep in mind, American Express points always transfer to Hilton at a 1:2 ratio; which doubles your points when moved to Hilton!)
  • Virgin Atlantic: 30% bonus through 11:59PM ET July 31, 2026


Capital One

  • Eva Air: 30% bonus through 11:59PM ET July 31, 2026 (Eva Air is part of Star Alliance; which you could use to your benefit to book a flight, even if you don't want to fly Eva Air. Learn more about Airline Alliances)

Chase

  • Virgin Atlantic: 35% bonus through 11:59PM ET July 14th, 2026


Summary
If you're looking for a new card and don't have one of the cards listed above with an elevated offer; I would consider going for it. Especially when it's a flexible/transferable point card.

Keep in mind - Chase has recently changed their eligibility rules on several cards. For the following cards, you are now only to receive ONE sign up bonus (EVER!). This is a change for those of us who were familiar with the Sapphire 48mo rule and/or being able to open multiple repeat Ink Business cards. 
A rule change for the better is that you can hold the Sapphire Preferred AND the Sapphire Reserve at the same time now - which is great before they have different benefits.

Personal Cards

Business Cards

With this information in mind; if you have not previously opened and received a sign up bonus for these cards; I would highly suggest considering opening any of these cards when there is an elevated offer; which conveniently all of these cards have (at least as this very moment).

Have you taken advantage of transfer bonuses before? While I don't wait for a transfer bonus (when I have something I want to book, I book it!), but it sure is nice when a transfer bonus aligns with something that I need to book.

I'll keep this page updated as the month goes on, so be sure to check back!
____________________________________________

Looking for more information on points/miles? You can find all of my points talk posts linked here.

Trying to figure out your next card? Here is my FREE personalized Next Card Recommendation form. Simply fill this out and I'll let you know suggestions.

Curious what cards I (and/or my husband) have, and why? Read here!



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